<SEC-DOCUMENT>0000910073-24-000077.txt : 20240314
<SEC-HEADER>0000910073-24-000077.hdr.sgml : 20240314
<ACCEPTANCE-DATETIME>20240314100042
ACCESSION NUMBER:		0000910073-24-000077
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		179
CONFORMED PERIOD OF REPORT:	20231231
FILED AS OF DATE:		20240314
DATE AS OF CHANGE:		20240314

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NEW YORK COMMUNITY BANCORP, INC.
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				061377322
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31565
		FILM NUMBER:		24748216

	BUSINESS ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801
		BUSINESS PHONE:		5166834100

	MAIL ADDRESS:	
		STREET 1:		102 DUFFY AVENUE
		CITY:			HICKSVILLE
		STATE:			NY
		ZIP:			11801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NEW YORK COMMUNITY BANCORP INC
		DATE OF NAME CHANGE:	20001128

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUEENS COUNTY BANCORP INC
		DATE OF NAME CHANGE:	19930802
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>fbc-20231231.htm
<DESCRIPTION>10-K
<TEXT>
<XBRL>
<?xml version='1.0' encoding='ASCII'?>
<html xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:srt="http://fasb.org/srt/2023" xmlns="http://www.w3.org/1999/xhtml" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:ecd="http://xbrl.sec.gov/ecd/2023" xmlns:us-gaap="http://fasb.org/us-gaap/2023" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2023" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2020-02-12" xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:fbc="http://www.flagstar.com/20231231" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="en-US"><head><meta http-equiv="Content-Type" content="text/html"/>


<title>fbc-20231231</title></head><body><div style="display:none"><ix:header><ix:hidden><ix:nonNumeric contextRef="c-1" name="dei:EntityCentralIndexKey" id="f-38">0000910073</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:AmendmentFlag" format="ixt:fixed-false" id="f-39">FALSE</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:DocumentFiscalYearFocus" id="f-40">2023</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="dei:DocumentFiscalPeriodFocus" id="f-41">FY</ix:nonNumeric><ix:nonNumeric contextRef="c-58" name="us-gaap:PropertyPlantAndEquipmentUsefulLife" id="f-618">P3Y</ix:nonNumeric><ix:nonNumeric contextRef="c-7" name="us-gaap:DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" id="f-872">http://fasb.org/us-gaap/2023#OtherAssets</ix:nonNumeric><ix:nonNumeric contextRef="c-8" name="us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" id="f-1197">http://fasb.org/us-gaap/2023#OtherAssets</ix:nonNumeric><ix:nonNumeric contextRef="c-7" name="us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" id="f-1198">http://fasb.org/us-gaap/2023#OtherAssets</ix:nonNumeric><ix:nonNumeric contextRef="c-8" name="us-gaap:OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" id="f-1752">http://fasb.org/us-gaap/2023#OtherAssets</ix:nonNumeric><ix:nonNumeric contextRef="c-7" name="us-gaap:OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" id="f-1753">http://fasb.org/us-gaap/2023#OtherAssets</ix:nonNumeric><ix:nonNumeric contextRef="c-8" name="us-gaap:OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" id="f-1754">http://fasb.org/us-gaap/2023#OtherLiabilities</ix:nonNumeric><ix:nonNumeric contextRef="c-7" name="us-gaap:OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" id="f-1755">http://fasb.org/us-gaap/2023#OtherLiabilities</ix:nonNumeric><ix:nonNumeric contextRef="c-1" name="us-gaap:ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" id="f-1774">http://fasb.org/us-gaap/2023#MortgageServicingRightsMSRImpairmentRecovery</ix:nonNumeric><ix:nonNumeric contextRef="c-9" name="us-gaap:ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" id="f-1775">http://fasb.org/us-gaap/2023#MortgageServicingRightsMSRImpairmentRecovery</ix:nonNumeric><ix:nonNumeric contextRef="c-416" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" id="f-2199">P1Y</ix:nonNumeric><ix:nonFraction unitRef="number" contextRef="c-503" decimals="3" name="fbc:InterestInPreferredStock" scale="0" id="f-2571">0.025</ix:nonFraction><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" id="f-2804">http://fasb.org/us-gaap/2023#NoninterestIncome</ix:nonNumeric></ix:hidden><ix:references xml:lang="en-US"><link:schemaRef xlink:type="simple" xlink:href="fbc-20231231.xsd"/></ix:references><ix:resources><xbrli:context id="c-1"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-2"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-3"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:BifurcatedOptionNotesUnitSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-4"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-5"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-06-30</xbrli:instant></xbrli:period></xbrli:context><xbrli:unit id="usd"><xbrli:measure>iso4217:USD</xbrli:measure></xbrli:unit><xbrli:context id="c-6"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2024-03-04</xbrli:instant></xbrli:period></xbrli:context><xbrli:unit id="shares"><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unit><xbrli:context id="c-7"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-8"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:unit id="usdPerShare"><xbrli:divide><xbrli:unitNumerator><xbrli:measure>iso4217:USD</xbrli:measure></xbrli:unitNumerator><xbrli:unitDenominator><xbrli:measure>xbrli:shares</xbrli:measure></xbrli:unitDenominator></xbrli:divide></xbrli:unit><xbrli:context id="c-9"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-10"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-11"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-12"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-13"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-14"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-15"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-16"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-17"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-18"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-19"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-20"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-21"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-22"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-23"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-24"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-25"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-26"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-27"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-28"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-29"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-30"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-31"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-32"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-33"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-34"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-35"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-36"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-37"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-38"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-39"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2020-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-40"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-41"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-42"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-43"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-44"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-45"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-46"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-47"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-48"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-49"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockUnitsRSUMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-50"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockUnitsRSUMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-51"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockUnitsRSUMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-52"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-53"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>1993-11-23</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-54"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">us-gaap:IPOMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>1993-11-23</xbrli:instant></xbrli:period></xbrli:context><xbrli:unit id="branch"><xbrli:measure>fbc:branch</xbrli:measure></xbrli:unit><xbrli:unit id="state"><xbrli:measure>fbc:state</xbrli:measure></xbrli:unit><xbrli:unit id="originator"><xbrli:measure>fbc:originator</xbrli:measure></xbrli:unit><xbrli:unit id="division"><xbrli:measure>fbc:division</xbrli:measure></xbrli:unit><xbrli:context id="c-55"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:UnfundedLoanCommitmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-56"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:UnfundedLoanCommitmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:unit id="number"><xbrli:measure>xbrli:pure</xbrli:measure></xbrli:unit><xbrli:context id="c-57"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:ConcessionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-58"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">fbc:FurnitureFixturesAndEquipmentBuildingImprovementsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-59"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">fbc:FurnitureFixturesAndEquipmentBuildingImprovementsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-60"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:BuildingMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-61"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">fbc:FurnitureFixturesAndEquipmentBuildingImprovementsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-62"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:LeaseholdImprovementsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-63"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">fbc:ATMMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-64"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NY</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-65"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:CA</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-66"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NC</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-67"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:CT</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-68"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NV</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-69"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-31</xbrli:startDate><xbrli:endDate>2023-03-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-70"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-71"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-20</xbrli:startDate><xbrli:endDate>2023-03-20</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-72"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-20</xbrli:startDate><xbrli:endDate>2023-03-20</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-73"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RestatementAxis">srt:RestatementAdjustmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-20</xbrli:startDate><xbrli:endDate>2023-03-20</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-74"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-75"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-76"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-20</xbrli:startDate><xbrli:endDate>2023-03-20</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-77"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-78"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-79"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-20</xbrli:startDate><xbrli:endDate>2023-03-20</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-80"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-81"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-82"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-20</xbrli:startDate><xbrli:endDate>2023-03-20</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-83"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-84"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RestatementAxis">srt:RestatementAdjustmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-20</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-85"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CoreDepositsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-20</xbrli:startDate><xbrli:endDate>2023-03-20</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-86"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-12-01</xbrli:startDate><xbrli:endDate>2022-12-01</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-87"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:IN</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:unit id="loan"><xbrli:measure>fbc:loan</xbrli:measure></xbrli:unit><xbrli:context id="c-88"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:unit id="states"><xbrli:measure>fbc:States</xbrli:measure></xbrli:unit><xbrli:context id="c-89"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-90"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-91"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-92"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-01</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-93"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-94"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2022-12-01</xbrli:startDate><xbrli:endDate>2022-12-01</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-95"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-96"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-97"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-98"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-99"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-100"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-101"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-102"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-103"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-104"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-105"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-106"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-107"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-108"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-109"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-110"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-111"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-112"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-113"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-114"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-115"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-116"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-117"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-118"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-119"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-120"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-121"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-122"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-123"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-124"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-125"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-126"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-127"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-128"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-129"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-130"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-131"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-132"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-133"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis">srt:FederalHomeLoanBankOfNewYorkMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-134"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis">srt:FederalHomeLoanBankOfIndianapolisMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-135"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis">srt:FederalHomeLoanBankOfNewYorkMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-136"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis">srt:FederalHomeLoanBankOfIndianapolisMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-137"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-138"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasuryAndGovernmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-139"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USStatesAndPoliticalSubdivisionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-140"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-141"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-142"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USTreasuryAndGovernmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-143"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-144"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">fbc:PrivateLabelCMOsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-145"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-146"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-147"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-148"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-149"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-150"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-151"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-152"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USTreasuryAndGovernmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-153"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-154"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-155"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-156"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-157"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-158"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-159"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-160"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CollateralizedDebtObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-161"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-162"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-163"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-164"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-165"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-166"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MutualFundMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-167"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-168"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">fbc:ForeignNotesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-169"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CollateralizedDebtObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-170"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:unit id="security"><xbrli:measure>fbc:security</xbrli:measure></xbrli:unit><xbrli:context id="c-171"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-172"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-173"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-174"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-175"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MutualFundMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-176"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-177"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:CounterpartyNameAxis">fbc:SignatureBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-03-12</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-178"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:CounterpartyNameAxis">fbc:SignatureBankMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-03-12</xbrli:startDate><xbrli:endDate>2023-03-12</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-179"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-180"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-181"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-182"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-183"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-184"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-185"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-186"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-187"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-188"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-189"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-190"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-191"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:LeaseFinancingLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-192"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:LeaseFinancingLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-193"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-194"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-195"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-196"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-197"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-198"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-199"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:SpecialtyFinanceLoansAndLeasesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-200"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:SpecialtyFinanceLoansAndLeasesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-201"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-202"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-203"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-204"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-205"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-206"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-207"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-208"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-209"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-210"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-211"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-212"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-213"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-214"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-215"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-216"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-217"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-218"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-219"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-220"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-221"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-222"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-223"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-224"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-225"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-226"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-227"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-228"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-229"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-230"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-231"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-232"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-233"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-234"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-235"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-236"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-237"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-238"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-239"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-240"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-241"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-242"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-243"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-244"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-245"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-246"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-247"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-248"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-249"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-250"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-251"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-252"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-253"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-254"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-255"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-256"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-257"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-258"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-259"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-260"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-261"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-262"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-263"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-264"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-265"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-266"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-267"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-268"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-269"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-270"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-271"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-272"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-273"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-274"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-275"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-276"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-277"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-278"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-279"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-280"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-281"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-282"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-283"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-284"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-285"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-286"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-287"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-288"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-289"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-290"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-291"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-292"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-293"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-294"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-295"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-296"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-297"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-298"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-299"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-300"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-301"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-302"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-303"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-304"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-305"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-306"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-307"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-308"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-309"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-310"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-311"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-312"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-313"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-314"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RelatedPartyTransactionsByRelatedPartyAxis">fbc:OfficersAndDirectorsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-315"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RelatedPartyTransactionsByRelatedPartyAxis">fbc:OfficersAndDirectorsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-316"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-317"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-318"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-319"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-320"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-321"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-322"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-323"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-324"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-325"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-326"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-327"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-328"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-329"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-330"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-331"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-332"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-333"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-334"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-335"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-336"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-337"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-338"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-339"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-340"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-341"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-342"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-343"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-344"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-345"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-346"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-347"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-348"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-349"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-350"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-351"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-352"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-353"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-354"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-355"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-356"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-357"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-358"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-359"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-360"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-361"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-362"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-363"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-364"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-365"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-366"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-367"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-368"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-369"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-370"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-371"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-372"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-373"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-374"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-375"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NetLoanAdministrationIncomeMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-376"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NetLoanAdministrationIncomeMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-377"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:FDICServicedLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NetLoanAdministrationIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:unit id="unit"><xbrli:measure>fbc:unit</xbrli:measure></xbrli:unit><xbrli:context id="c-378"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-379"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-380"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-381"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalHomeLoanBankAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-382"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalHomeLoanBankAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-383"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalReserveBankAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-384"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalReserveBankAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-385"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">fbc:FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-386"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">fbc:FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-387"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:JuniorSubordinatedDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-388"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:JuniorSubordinatedDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-389"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-390"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-391"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalReserveBankAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-392"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-393"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:NewYorkCommunityCapitalTrustVBONUSESUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-394"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:NewYorkCommunityCapitalTrustXMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-395"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:PennFedCapitalTrustIIIMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-396"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:NewYorkCommunityCapitalTrustXIMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-397"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustIIMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-398"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustIIIMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-399"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustIVMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-400"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustVMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-401"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustVIMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-402"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustVIIMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-403"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustVIIIMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-404"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustIXMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-405"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustXMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-406"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:ClassOfWarrantOrRightAxis">fbc:BONUSESUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2002-11-04</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-407"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2002-11-04</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-408"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2002-11-04</xbrli:startDate><xbrli:endDate>2002-11-04</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-409"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2007-11-04</xbrli:startDate><xbrli:endDate>2007-11-04</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-410"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:ClassOfWarrantOrRightAxis">fbc:BONUSESUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-411"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:SubordinatedNotesMaturingIn2028Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-412"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">fbc:SecuredOvernightFinancingRateSOFRMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:SubordinatedNotesMaturingIn2030Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-413"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:SubordinatedNotesMaturingIn2030Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-414"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:SubordinatedNotesMaturingIn2028Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">fbc:SecuredOvernightFinancingRateSOFRMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-415"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-416"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-417"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-418"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-419"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-420"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-421"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-422"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-423"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-424"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-425"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-426"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-427"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-428"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-429"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-430"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-431"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-432"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-433"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-434"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-435"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-436"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-437"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-438"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-439"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-440"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-441"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-442"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-443"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-444"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-445"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-446"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-447"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-448"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-449"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-450"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-451"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-452"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-453"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-454"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-455"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-456"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-457"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-458"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-459"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-460"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-461"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-462"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-463"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-464"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-465"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-466"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-467"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwaptionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-468"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-469"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-470"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-471"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-472"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-473"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwaptionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-474"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-475"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-476"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-477"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:SwapFHLBMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-478"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:SwapFHLBMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-479"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:SwapFHLBMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-480"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-481"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-482"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-483"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-484"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-485"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-486"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:RateLockCommitmentsAndUSTreasuryFuturesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:GainLossOnSaleOfFinancingReceivableMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-487"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:RateLockCommitmentsAndUSTreasuryFuturesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:GainLossOnSaleOfFinancingReceivableMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-488"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:ForwardCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NoninterestIncomeOtherOperatingIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-489"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:ForwardCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NoninterestIncomeOtherOperatingIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-490"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NoninterestIncomeOtherOperatingIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-491"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NoninterestIncomeOtherOperatingIncomeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-492"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CoreDepositsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-493"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CoreDepositsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-494"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:OtherIntangibleAssetsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-495"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:OtherIntangibleAssetsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-496"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CoreDepositsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-497"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:OtherIntangibleAssetsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-498"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-499"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-500"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:SubsidiariesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-501"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:SubsidiariesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-502"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2017-03-17</xbrli:startDate><xbrli:endDate>2017-03-17</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-503"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2017-03-17</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-504"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:instant>2018-10-23</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-505"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-506"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-507"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-508"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-509"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-510"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-511"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-512"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-513"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-514"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-515"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-516"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-517"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-518"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-519"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-520"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-521"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-522"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-523"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-524"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-525"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-526"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-527"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-528"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-529"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-530"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-531"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-532"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-533"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-534"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-535"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-536"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-537"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-538"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-539"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-540"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-541"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-542"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-543"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-544"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-545"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-546"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-547"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-548"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-549"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-550"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-551"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-552"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-553"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-554"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-555"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-556"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-557"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-558"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-559"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-560"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-561"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-562"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-563"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-564"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-565"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-566"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-567"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-568"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-569"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-570"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-571"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-572"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-573"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-574"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-575"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-576"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-577"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-578"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-579"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-580"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-581"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-582"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-583"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-584"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-585"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-586"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-587"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-588"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-589"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-590"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-591"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-592"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-593"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-594"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-595"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-596"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-597"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-598"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-599"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-600"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-601"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-602"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-603"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-604"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-605"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-606"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-607"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-608"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-609"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-610"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-611"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-612"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-613"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-614"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-615"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-616"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-617"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-618"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-619"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-620"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-621"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-622"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-623"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-624"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-625"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-626"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-627"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-628"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-629"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-630"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-631"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-632"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-633"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-634"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-635"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-636"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-637"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-638"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-639"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-640"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-641"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-642"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-643"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-644"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-645"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-646"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-647"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-648"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-649"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-650"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-651"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-652"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-653"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-654"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-655"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-656"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-657"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-658"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-659"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-660"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-661"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-662"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-663"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-664"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-665"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-666"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-667"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-668"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-669"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-670"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-671"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-672"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-673"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-674"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-675"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-676"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-677"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-678"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-679"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-680"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageServicingRightsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-681"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageServicingRightsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-682"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageServicingRightsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-683"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-684"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-685"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-686"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-687"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-688"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-689"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-690"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-691"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-692"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputOptionVolatilityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:unit id="constant_default_rate_per_loan"><xbrli:measure>fbc:constant_default_rate_per_loan</xbrli:measure></xbrli:unit><xbrli:context id="c-693"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputOptionVolatilityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-694"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputOptionVolatilityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-695"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputConstantPrepaymentRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-696"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputConstantPrepaymentRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-697"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputConstantPrepaymentRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-698"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">fbc:WeightedAverageCosttoServicePerLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-699"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">fbc:WeightedAverageCosttoServicePerLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-700"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">fbc:WeightedAverageCosttoServicePerLoanMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-701"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-702"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-703"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputExpectedTermMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-704"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputExpectedTermMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-705"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-706"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">fbc:MeasurementInputOriginationPullThroughMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-707"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-708"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-709"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-710"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-711"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-712"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-713"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-714"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-715"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-716"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-717"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-718"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-719"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-720"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-721"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-722"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-723"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-724"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-725"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputExpectedTermMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-726"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">fbc:NonaccrualLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-727"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">fbc:NonaccrualLoansMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-728"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-729"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-730"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-731"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-732"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-733"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-734"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-735"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:CollateralAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-736"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:MultiFamilyAndCommercialRealEstateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-737"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:MultiFamilyAndCommercialRealEstateMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-738"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-739"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-740"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:AcquisitionDevelopmentAndConstructionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-741"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:AcquisitionDevelopmentAndConstructionMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-742"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:WarehouseLoanCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-743"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:WarehouseLoanCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-744"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-745"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-746"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">us-gaap:UnfundedLoanCommitmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-747"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">us-gaap:UnfundedLoanCommitmentMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-748"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">us-gaap:FinancialStandbyLetterOfCreditMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-749"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">us-gaap:PerformanceGuaranteeMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-750"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">fbc:CommercialLettersOfCreditMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-751"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-752"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-753"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-754"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-755"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-756"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-757"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsLargeCapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-758"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsLargeCapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-759"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsLargeCapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-760"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsMidCapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-761"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsMidCapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-762"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsMidCapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-763"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsSmallCapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-764"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsSmallCapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-765"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsSmallCapMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-766"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-767"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-768"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-769"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-770"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-771"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-772"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-773"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-774"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-775"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-776"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-777"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-778"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-779"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapGrowthMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-780"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapGrowthMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-781"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapGrowthMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-782"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapGrowthMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-783"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-784"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-785"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-786"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-787"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityMidCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-788"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityMidCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-789"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityMidCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-790"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityMidCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-791"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquitySmallCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-792"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquitySmallCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-793"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquitySmallCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-794"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquitySmallCapCoreMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-795"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSGrowthMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-796"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSGrowthMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-797"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSGrowthMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-798"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSGrowthMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-799"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-800"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-801"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-802"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-803"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-804"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-805"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-806"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-807"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesCommonStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-808"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesCommonStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-809"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesCommonStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-810"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesCommonStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-811"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-812"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-813"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-814"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-815"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-816"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-817"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-818"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-819"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-820"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-821"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-822"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-823"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-824"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-825"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:FixedIncomeInvestmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-826"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:FourthFundsTargetsInvestmentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-827"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-828"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-829"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-830"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-831"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanDebtSecurityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-832"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanDebtSecurityMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-833"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-834"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-835"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-836"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-837"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeSecuritiesMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-838"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-839"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-840"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-841"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-842"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-843"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-844"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-845"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2023-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-846"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2022-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-847"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementScenarioAxis">srt:ScenarioForecastMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-01-01</xbrli:startDate><xbrli:endDate>2024-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-848"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-849"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-850"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-851"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-01-01</xbrli:startDate><xbrli:endDate>2023-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-852"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2022-01-01</xbrli:startDate><xbrli:endDate>2022-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-853"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2021-01-01</xbrli:startDate><xbrli:endDate>2021-12-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-854"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2021-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-855"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2020-12-31</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-856"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="srt:StatementScenarioAxis">srt:ScenarioForecastMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-02-08</xbrli:startDate><xbrli:endDate>2024-03-31</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-857"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-03-07</xbrli:startDate><xbrli:endDate>2024-03-07</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-858"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-03-07</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-859"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:SeriesBNoncumulativeConvertiblePreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-03-07</xbrli:startDate><xbrli:endDate>2024-03-07</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-860"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:SeriesBNoncumulativeConvertiblePreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-03-07</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-861"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:SeriesCNoncumulativeConvertiblePreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2024-03-07</xbrli:startDate><xbrli:endDate>2024-03-07</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="c-862"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:SeriesCNoncumulativeConvertiblePreferredStockMember</xbrldi:explicitMember><xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-03-07</xbrli:instant></xbrli:period></xbrli:context><xbrli:context id="c-863"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:instant>2024-03-07</xbrli:instant></xbrli:period></xbrli:context><ix:relationship arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote" fromRefs="f-537 f-538 f-535 f-536 f-539 f-533 f-534 f-531 f-532" linkRole="http://www.xbrl.org/2003/role/link" toRefs="fn-1" order="1"></ix:relationship></ix:resources></ix:header></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_1"></div><div style="min-height:42.75pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%">UNITED STATES</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:14pt;font-weight:700;line-height:120%">SECURITIES AND EXCHANGE COMMISSION</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:700;line-height:120%">Washington,&#160;D.C. 20549</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:18pt;font-weight:700;line-height:120%">FORM&#160;<ix:nonNumeric contextRef="c-1" name="dei:DocumentType" id="f-1">10-K</ix:nonNumeric> </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Mark One)</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:522.00pt"><tr><td style="width:1.0pt"/><td style="width:28.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:490.00pt"/><td style="width:1.0pt"/></tr><tr style="height:24pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:DocumentAnnualReport" format="ixt:fixed-true" id="f-2">&#9746;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">ANNUAL REPORT PURSUANT TO SECTION&#160;13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED <ix:nonNumeric contextRef="c-1" name="dei:DocumentPeriodEndDate" format="ixt:date-monthname-day-year-en" id="f-3"><ix:nonNumeric contextRef="c-1" name="dei:CurrentFiscalYearEndDate" format="ixt:date-monthname-day-en" id="f-4">December&#160;31</ix:nonNumeric>, 2023</ix:nonNumeric></span></div></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">OR</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:522.00pt"><tr><td style="width:1.0pt"/><td style="width:28.00pt"/><td style="width:1.0pt"/><td style="width:1.0pt"/><td style="width:490.00pt"/><td style="width:1.0pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:DocumentTransitionReport" format="ixt-sec:boolballotbox" id="f-5">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">TRANSITION REPORT PURSUANT TO SECTION&#160;13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</span></td></tr></table></div><div style="margin-bottom:3pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Commission file number: </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityFileNumber" id="f-6">001-16577</ix:nonNumeric></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:20pt;font-weight:700;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:EntityRegistrantName" id="f-7">NEW YORK COMMUNITY BANCORP, INC.</ix:nonNumeric></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Exact name of registrant as specified in its charter) </span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:97.126%"><tr><td style="width:1.0%"/><td style="width:24.787%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.698%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.686%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.539%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.690%"/><td style="width:0.1%"/></tr><tr><td colspan="9" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:stateprovnameen" id="f-8">Delaware</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityTaxIdentificationNumber" id="f-9">06-1377322</ix:nonNumeric></span></td></tr><tr><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(State or other jurisdiction of incorporation or organization)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(I.R.S. Employer Identification No.)</span></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressAddressLine1" id="f-10">102 Duffy Avenue,</ix:nonNumeric> </span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityAddressCityOrTown" id="f-11">Hicksville,</ix:nonNumeric></span></td><td colspan="3" style="border-bottom:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressStateOrProvince" format="ixt-sec:stateprovnameen" id="f-12">New York</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityAddressPostalZipCode" id="f-13">11801</ix:nonNumeric></span></td></tr><tr><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Address of principal executive offices)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">(Zip Code)</span></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Registrant&#8217;s telephone number, including area code: </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(<ix:nonNumeric contextRef="c-1" name="dei:CityAreaCode" id="f-14">516</ix:nonNumeric>)&#160;<ix:nonNumeric contextRef="c-1" name="dei:LocalPhoneNumber" id="f-15">683-4100</ix:nonNumeric> </span></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shares registered pursuant to Section 12(b) of the Act:</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.712%"><tr><td style="width:1.0%"/><td style="width:31.753%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.520%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.753%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.520%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.754%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Title of each class</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Trading Symbol </span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Name of each exchange on which registered</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-2" name="dei:Security12bTitle" id="f-16">Common Stock, $0.01 par value per share</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-2" name="dei:TradingSymbol" id="f-17">NYCB</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-2" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-18">New York Stock Exchange</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><ix:nonNumeric contextRef="c-3" name="dei:Security12bTitle" id="f-19"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Bifurcated Option Note Unit SecuritiES</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.85pt;font-weight:700;line-height:100%;position:relative;top:-3.15pt;vertical-align:baseline">SM</span></ix:nonNumeric></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-3" name="dei:TradingSymbol" id="f-20">NYCB PU</ix:nonNumeric></span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-3" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-21">New York Stock Exchange</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-4" name="dei:Security12bTitle" id="f-22">Depositary Shares each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-4" name="dei:TradingSymbol" id="f-23">NYCB PA</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"><ix:nonNumeric contextRef="c-4" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen" id="f-24">New York Stock Exchange</ix:nonNumeric></span></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule&#160;405 of the Securities Act.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#160;&#160;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">&#160;&#160;Yes&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityWellKnownSeasonedIssuer" id="f-25">No</ix:nonNumeric>&#160;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#9746;</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">Indicate by check mark if the registrant is not required to file reports pursuant to Section&#160;13 or Section&#160;15(d) of the Act.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#160;&#160;&#160;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">&#160;Yes&#160;&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityVoluntaryFilers" id="f-26">No</ix:nonNumeric></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#160;&#160;&#9746;</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">   </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">&#160;&#160;&#160;Yes&#160;&#160;&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityCurrentReportingStatus" id="f-27">No</ix:nonNumeric>&#160;&#160;&#9746;</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (&#167;232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">   </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">&#160;&#160;&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityInteractiveDataCurrent" id="f-28">Yes</ix:nonNumeric>&#160;&#160;&#9746;&#160;&#160;&#160;&#160;No&#160;&#160;</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerging growth company" in Rule&#160;12b-2 of the Exchange Act. </span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.712%"><tr><td style="width:1.0%"/><td style="width:26.997%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.655%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.520%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:26.997%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.655%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.520%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:26.997%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.659%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityFilerCategory" id="f-29">Large Accelerated Filer</ix:nonNumeric></span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#9746;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Accelerated&#160;Filer&#160;&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#9744;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Smaller&#160;Reporting&#160;Company&#160;&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntitySmallBusiness" format="ixt:fixed-false" id="f-30">&#9744;</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Non-Accelerated&#160;Filer&#160;&#160;</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">&#9744;</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%">Emerging growth company</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-1" name="dei:EntityEmergingGrowthCompany" format="ixt:fixed-false" id="f-31">&#9744;</ix:nonNumeric></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">  </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">&#160;&#9744;.  </span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  <ix:nonNumeric contextRef="c-1" name="dei:IcfrAuditorAttestationFlag" format="ixt:fixed-true" id="f-32">&#9746;</ix:nonNumeric></span></div><div><span><br/></span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the &#64257;ling reflect the correction of an error to previously issued financial statements. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="dei:DocumentFinStmtErrorCorrectionFlag" format="ixt:fixed-false" id="f-33">&#9744;</ix:nonNumeric></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%"> </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant&#8217;s executive officers during the relevant recovery period pursuant to &#167;240.10D-1(b). </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#9744;</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:120%">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).&#160;&#160;&#160;&#160;Yes&#160;&#160;&#9744;&#160;&#160;&#160;No&#160;&#160;<ix:nonNumeric contextRef="c-1" name="dei:EntityShellCompany" format="ixt:fixed-false" id="f-34">&#9746;</ix:nonNumeric></span></div><div><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">As of June 30, 2023, the aggregate market value of the shares of common stock outstanding of the registrant wa</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">s $<ix:nonFraction unitRef="usd" contextRef="c-5" decimals="-8" name="dei:EntityPublicFloat" format="ixt:num-dot-decimal" scale="9" id="f-35">8.0</ix:nonFraction>&#160;billion </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">excluding </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">10,040,722 </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">shares held by all directors and executive officers of the registrant. This figure is based on the closing price of the registrant&#8217;s common stock on June 30, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">, $11.24 per share,</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%"> as reported by the New York Stock Exchange. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9.5pt;font-weight:400;line-height:112%">The number of shares of the registrant&#8217;s common stock outstanding as of  March&#160;11, 2024 was <ix:nonFraction unitRef="shares" contextRef="c-6" decimals="INF" name="dei:EntityCommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-36">797,921,126</ix:nonFraction> shares. </span></div><div><span><br/></span></div><div style="text-align:center"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:115%">DOCUMENTS INCORPORATED BY REFERENCE</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"><ix:nonNumeric contextRef="c-1" name="dei:DocumentsIncorporatedByReferenceTextBlock" id="f-37" escape="true">Portions of the definitive Proxy Statement for the Annual Meeting of Shareholders to be held on May&#160;17, 2024 are incorporated by reference into Part III.</ix:nonNumeric> </span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><span><br/></span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_7"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NEW YORK COMMUNITY BANCORP,&#160;INC.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FORM 10-K</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FOR THE FISCAL YEAR ENDED </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">TABLE OF CONTENTS </span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:94.005%"><tr><td style="width:1.0%"/><td style="width:12.119%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:75.571%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.010%"/><td style="width:0.1%"/></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_10">GLOSSARY AND ABBREVIATIONS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_10">4</a></span></div></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_16">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING LANGUAGE</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_16">8</a></span></div></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_19">PART&#160;I</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;1.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_22">BUSINESS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_22">11</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM 1A.</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257040">RISK FACT</a>ORS</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257040">27</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM 1B.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257053">UNRESOLVED STAFF COMMENTS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257053">44</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM 1C.</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2899">CYBERSECURITY</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2899">44</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257068">PROPERTIES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257068">46</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;3.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257082">LEGAL PROCEEDINGS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257082">46</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;4.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257097">MINE SAFETY DISCLOSURES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257097">47</a></span></div></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_202">PART&#160;II</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM 5.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_205">MARKET FOR THE REGISTRANT&#8217;S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_205">48</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;6.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257114">RESERVED</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257114">50</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257129">MANAGEMENT&#8217;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257129">50</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;7A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257592">QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257592">76</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM 8.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257654">FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257654">78</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;9.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257687">CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257687">151</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;9A.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257701">CONTROLS AND PROCEDURES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257701">151</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;9B.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257715">OTHER INFORMATION</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257715">153</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM 9C.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257729">DISCLOSURE REGARDING FOREIGN JURISDICTIONS THAT PREVENT INSPECTIONS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257729">153</a></span></div></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257972">PART&#160;III</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;10.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258001">DIRECTORS, EXECUTIVE OFFICERS OF THE REGISTRANT AND CORPORATE GOVERNANCE</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258001">154</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258045">EXECUTIVE COMPENSATION</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258045">154</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;12.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258033">SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258033">154</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;13.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327500">CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327500">154</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;14.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327513">PRINCIPAL ACCOUNTING FEES AND SERVICES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327513">154</a></span></div></td></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257987">PART&#160;IV</a></span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM&#160;15.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_226">EXHIBITS, FINANCIAL STATEMENT SCHEDULES</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_226">155</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ITEM 16.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258015">FORM 10-K SUMMARY</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258015">157</a></span></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_10"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="padding-left:36pt;padding-right:36pt;text-align:center;text-indent:-72pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">GLOSSARY OF ABBREVIATIONS AND ACRONYMS</span></div><div style="padding-left:36pt;padding-right:36pt;text-align:center;text-indent:-72pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following list of abbreviations and acronyms are provided as a tool for the reader and may be used throughout this Report, including the Consolidated Financial Statements and Notes:</span></div><div><span><br/></span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:10.157%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:36.765%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.157%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:36.769%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Term</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Definition</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Term</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Definition</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ACL</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for Credit Losses</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB-NY</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Home Loan Bank of New York</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ADC</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction loan</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FOMC</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Open Market Committee</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ALCO</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset and Liability Management Committee</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FRB</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Reserve Board</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">AOCL</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FRB-NY</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Reserve Bank of New York</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ASC</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accounting Standards Codification</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FTEs</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Full-time equivalent employees</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ASU</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accounting Standards Update</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GAAP</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. generally accepted accounting principles</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">BaaS</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Banking as a Service</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GLBA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">The Gramm Leach Bliley Act</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">BOLI</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bank-owned life insurance</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GNMA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Government National Mortgage Association</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">BP</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Basis point(s)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Government-sponsored enterprises</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">BTFP</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bank Term Funding Program</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">HELOC</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Equity Line of Credit</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">C&amp;I</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial loan</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">HELOAN</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Equity Loan</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CDs</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">HPI</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Housing Price Index</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CECL</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current Expected Credit Loss</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">LGG</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans with government guarantees</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CFPB</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consumer Financial Protection Bureau</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">LHFS</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans Held-for-Sale</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMOs</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Collateralized mortgage obligations</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">LIBOR</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">London Interbank Offered Rate</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMT</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant maturity treasury rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">LTV</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan-to-value ratio</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CPI</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consumer Price Index</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MBS</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CPR</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MSRs</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CRA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Community Reinvestment Act</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NIM</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest margin</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CRE</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate loan</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NOL</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net operating loss</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">DIF</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposit Insurance Fund</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NPAs</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-performing assets</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">DFA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dodd-Frank Wall Street Reform and Consumer Protection Act</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NPLs</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-performing loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">DSCR</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt service coverage ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NPV</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Portfolio Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">EPS</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Earnings per common share</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NYSE</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Stock Exchange</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ERM</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Enterprise Risk Management</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">OCC</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Office of the Comptroller of the Currency</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ESOP</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Employee Stock Ownership Plan</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">OREO</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other real estate owned</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">EVE</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Economic Value of Equity at Risk</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">PAA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchase accounting adjustments</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fannie Mae</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal National Mortgage Association</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">PSAs</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Performance-Based Restricted Stock Units</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FASB</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Accounting Standards Board</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ROU</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Right of use asset</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FDI Act</span></td><td colspan="3" rowspan="2" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Deposit Insurance Act</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RSAs</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restricted Stock Awards</span></div></td></tr><tr style="height:15pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FDIC</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Deposit Insurance Corporation</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">SBA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Small Business Administration</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Housing Administration</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Signature</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Signature Bridge Bank, N.A.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHFA</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Housing Finance Agency</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">SEC</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Securities and Exchange Commission</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Home Loan Bank</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">SOFR</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Secured Overnight Financing Rate</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Freddie Mac</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Home Loan Mortgage Corporation</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">TDR</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Troubled debt restructurings</span></td></tr></table></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">4</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_13"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">GLOSSARY </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BARGAIN PURCHASE GAIN</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amount by which the fair value of assets purchased exceeds the fair value of liabilities assumed and consideration given.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BASIS POINT </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Throughout this filing, the year-over-year changes that occur in certain financial measures are reported in terms of basis points. Each basis point is equal to one hundredth of a percentage point, or 0.01 percent. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BOOK VALUE PER COMMON SHARE </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Book value per common share refers to the amount of common stockholders&#8217; equity attributable to each outstanding share of common stock, and is calculated by dividing total stockholders&#8217; equity less preferred stock at the end of a period, by the number of shares outstanding at the same date. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">BROKERED DEPOSITS </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refers to funds obtained, directly or indirectly, by or through deposit brokers that are then deposited into one or more deposit accounts at a bank. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CHARGE-OFF </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refers to the amount of a loan balance that has been written off against the allowance for credit losses. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">COMMERCIAL REAL ESTATE LOAN </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A mortgage loan secured by either an income-producing property owned by an investor and leased primarily for commercial purposes or, to a lesser extent, an owner-occupied building used for business purposes. The CRE loans in our portfolio are typically secured by either office buildings, retail shopping centers, light industrial centers with multiple tenants, or mixed-use properties. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">COST OF FUNDS </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The interest expense associated with interest-bearing liabilities, typically expressed as a ratio of interest expense to the average balance of interest-bearing liabilities for a given period. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CRE CONCENTRATION RATIO </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refers to the sum of multi-family, non-owner occupied CRE, and acquisition, development, and construction (&#8220;ADC&#8221;) loans divided by total risk-based capital. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">DEBT SERVICE COVERAGE RATIO </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">An indication of a borrower&#8217;s ability to repay a loan, the DSCR generally measures the cash flows available to a borrower over the course of a year as a percentage of the annual interest and principal payments owed during that time. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">DERIVATIVE </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A term used to define a broad base of financial instruments, including swaps, options, and futures contracts, whose value is based upon, or derived from, an underlying rate, price, or index (such as interest rates, foreign currency, commodities, or prices of other financial instruments such as stocks or bonds). </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EFFICIENCY RATIO </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Measures total operating expenses as a percentage of the sum of net interest income and non-interest income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">5</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">GOODWILL </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refers to the difference between the purchase price and the fair value of an acquired company&#8217;s assets, net of the liabilities assumed. Goodwill is reflected as an asset on the balance sheet and is tested at least annually for impairment or when triggering events are identified. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">GOVERNMENT-SPONSORED ENTERPRISES </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refers to a group of financial services corporations that were created by the United States Congress to enhance the availability, and reduce the cost of, credit to certain targeted borrowing sectors, including home finance. The GSEs include, but are not limited to, the Federal National Mortgage Association (&#8220;Fannie Mae&#8221;), the Federal Home Loan Mortgage Corporation (&#8220;Freddie Mac&#8221;), and the Federal Home Loan Banks (the &#8220;FHLBs&#8221;). </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">GSE OBLIGATIONS </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refers to GSE mortgage-related securities (both certificates and collateralized mortgage obligations) and GSE debentures. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">INTEREST RATE SENSITIVITY </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refers to the likelihood that the interest earned on assets and the interest paid on liabilities will change as a result of fluctuations in market interest rates. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">INTEREST RATE SPREAD </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The difference between the yield earned on average interest-earning assets and the cost of average interest-bearing liabilities. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">LOAN-TO-VALUE RATIO </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Measures the balance of a loan as a percentage of the appraised value of the underlying property. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">MULTI-FAMILY LOAN </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A mortgage loan secured by a rental or cooperative apartment building with more than four units. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NET INTEREST INCOME </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The difference between the interest income generated by loans and securities and the interest expense produced by deposits and borrowed funds. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NET INTEREST MARGIN</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Measures net interest income as a percentage of average interest-earning assets. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NON-ACCRUAL LOAN </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan generally is classified as a &#8220;non-accrual&#8221; loan when it is 90 days or more past due or when it is deemed to be impaired because we no longer expect to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, we cease the accrual of interest owed, and previously accrued interest is reversed and charged against interest income. A loan generally is returned to accrual status when the loan is current and we have reasonable assurance that the loan will be fully collectible. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NON-PERFORMING LOANS AND ASSETS </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Non-performing loans consist of non-accrual loans and loans that are 90 days or more past due and still accruing interest. Non-performing assets consist of non-performing loans, OREO and other repossessed assets. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">6</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">OREO AND OTHER REPOSSESSED ASSETS </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Includes real estate owned by the Company which was acquired either through foreclosure or default. Repossessed assets are similar, except they are not real estate-related assets. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">RENT-REGULATED APARTMENTS </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In New York City, where the vast majority of the properties securing our multi-family loans are located, the amount of rent that tenants may be charged on the apartments in certain buildings is restricted under rent-stabilization laws. Rent-stabilized apartments are generally located in buildings with six or more units that were built between February 1947 and January 1974. Rent-regulated apartments tend to be more affordable to live in because of the applicable regulations, and buildings with a preponderance of such rent-regulated apartments are therefore less likely to experience vacancies in times of economic adversity. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">TROUBLED DEBT MODIFICATION</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan for which the terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">WHOLESALE BORROWINGS </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Refers to advances drawn by the Bank against its line(s) of credit with the FHLBs, their repurchase agreements with the FHLBs and various brokerage firms, and federal funds purchased. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">YIELD </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The interest income associated with interest-earning assets, typically expressed as a ratio of interest income to the average balance of interest-earning assets for a given period. </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">7</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_16"></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">For the purpose of this Annual Report on Form 10-K, the words &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; and the &#8220;Company&#8221; are used to refer to New York Community Bancorp, Inc. and our consolidated subsidiary, Flagstar Bank, N.A. (the &#8220;Bank&#8221;). </span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING LANGUAGE </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">This report, like many written and oral communications presented by New York Community Bancorp, Inc. and our authorized officers, may contain certain forward-looking statements regarding our prospective performance and strategies within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. We intend such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, and are including this statement for purposes of said safe harbor provisions. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Forward-looking statements, which are based on certain assumptions and describe future plans, strategies, and expectations of the Company, are generally identified by use of the words &#8220;anticipate,&#8221; &#8220;believe,&#8221; &#8220;estimate,&#8221; &#8220;expect,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;project,&#8221; &#8220;seek,&#8221; &#8220;strive,&#8221; &#8220;try,&#8221; or future or conditional verbs such as &#8220;will,&#8221; &#8220;would,&#8221; &#8220;should,&#8221; &#8220;could,&#8221; &#8220;may,&#8221; or similar expressions. Although we believe that our plans, intentions, and expectations as reflected in these forward-looking statements are reasonable, we can give no assurance that they will be achieved or realized. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ability to predict results or the actual effects of our plans and strategies is inherently uncertain. Accordingly, actual results, performance, or achievements could differ materially from those contemplated, expressed, or implied by the forward-looking statements contained in this report. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are a number of factors, many of which are beyond our control, that could cause actual conditions, events, or results to differ significantly from those described in our forward-looking statements. These factors include, but are not limited to: </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">general economic conditions, including higher inflation and its impacts, either nationally or in some or all of the areas in which we and our customers conduct our respective businesses;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">conditions in the securities markets and real estate markets or the banking industry;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in real estate values, which could impact the quality of the assets securing the loans in our portfolio;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in interest rates, which may affect our net income, prepayment penalty income, and other future cash flows, or the market value of our assets, including our investment securities; </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in the quality or composition of our loan or securities portfolios;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in our capital management policies, including those regarding business combinations, dividends, and share repurchases, among others;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">heightened regulatory focus on commercial real estate and on commercial real estate loan concentrations;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in competitive pressures among financial institutions or from non-financial institutions;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in deposit flows and wholesale borrowing facilities;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in the demand for deposit, loan, and investment products and other financial services in the markets we serve;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">our timely development of new lines of business and competitive products or services in a changing environment, and the acceptance of such products or services by our customers;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:13.8pt">our ability to obtain timely stockholder and regulatory approvals of any merger transactions, capital raise transactions, corporate restructurings or other significant transactions we may propose;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">our ability to successfully integrate any assets, liabilities, customers, systems, and management personnel we may acquire into our operations, and our ability to realize related synergies and cost savings within expected time frames, including those related to our recent acquisition of Flagstar Bancorp, Inc. and the purchase and assumption of certain assets and liabilities of Signature Bridge Bank;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in the estimated fair value of the assets or final settlement with the FDIC that we recorded in connection with the purchase, assumption and ongoing servicing of certain assets and liabilities of Signature Bridge Bank; </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">potential exposure to unknown or contingent liabilities of companies we have acquired, may acquire, or target for acquisition, including our recent acquisition of Flagstar Bancorp, Inc. and the purchase and assumption of certain assets and liabilities of Signature Bridge Bank;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to invest effectively in new information technology systems and platforms;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">the more stringent regulatory framework and prudential standards we are subject to, including with respect to reporting, capital stress testing, and liquidity risk management, as a result of our transition to a Category IV banking organization, and the expenses we will incur to develop policies, programs, and systems that comply with these enhanced standards;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in future allowance for credit losses requirements under relevant accounting and regulatory requirements;</span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">8</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">the ability to pay future dividends, including as a result of the failure to receive any required regulatory approval to pay a dividend, or for any other reasons;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to hire and retain key personnel and qualified members of our board of directors;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to attract new customers and retain existing ones in the manner anticipated;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in our customer base or in the financial or operating performances of our customers&#8217; businesses;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">any interruption in customer service due to circumstances beyond our control;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">the outcome of pending or threatened litigation, or of investigations or any other matters before regulatory agencies, whether currently existing or commencing in the future, including with respect to any litigation, investigation or other regulatory actions related to (i) the business practices of acquired companies, including our recent acquisition of Flagstar Bancorp, Inc. and the purchase and assumption of certain assets and liabilities of Signature Bridge Bank and (ii) the capital raise transaction we completed in March of 2024;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">environmental conditions that exist or may exist on properties owned by, leased by, or mortgaged to the Company;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">cybersecurity incidents, including any interruption or breach of security resulting in failures or disruptions in customer account management, general ledger, deposit, loan, or other systems managed either by us or third parties;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">operational issues stemming from, and/or capital spending necessitated by, the potential need to adapt to industry changes in information technology systems, on which we are highly dependent;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to keep pace with, and implement on a timely basis, technological changes;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in legislation, regulation, policies, guidance, or administrative practices, whether by judicial, governmental, or legislative action, and other changes pertaining to banking, securities, taxation, rent regulation and housing (the New York Housing Stability and Tenant Protection Act of 2019), financial accounting and reporting, environmental protection, insurance, and the ability to comply with such changes in a timely manner;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Department of the Treasury and the Board of Governors of the Federal Reserve System;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in accounting principles, policies, practices, and guidelines;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in regulatory expectations relating to predictive models we use in connection with stress testing and other forecasting or in the assumptions on which such modeling and forecasting are predicated;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes to federal, state, and local income tax laws;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">changes in our credit ratings or in our ability to access the capital markets;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">increases in our FDIC insurance premium;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">legislative and regulatory initiatives related to climate change;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the potential impact to the Company from climate change, including higher regulatory compliance, increased expenses, operational changes, and reputational risks;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">unforeseen or catastrophic events including natural disasters, war, terrorist activities, and pandemics, epidemics, and other health emergencies;</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the impacts related to or resulting from Russia&#8217;s military action in Ukraine and conflicts in the Middle East, including the broader impacts to financial markets and the global macroeconomic and geopolitical environment; and</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">other economic, competitive, governmental, regulatory, technological, and geopolitical factors affecting our operations, pricing, and services. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the timing and occurrence or non-occurrence of events may be subject to circumstances beyond our control.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, on an ongoing basis, we evaluate opportunities to expand through mergers and acquisitions and opportunities for strategic combinations with other banking organizations. Our evaluation of such opportunities involves discussions with other parties, due diligence, and negotiations. As a result, we may decide to enter into definitive arrangements regarding such opportunities at any time.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to the risks and challenges described above, these types of transactions involve a number of other risks and challenges, including:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to successfully integrate branches and operations and to implement appropriate internal controls and regulatory functions relating to such activities;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to limit the outflow of deposits, and to successfully retain and manage any loans;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to attract new deposits, and to generate new interest-earning assets, in geographic areas that have not been previously served;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;padding-left:14.5pt">our ability to effectively manage liquidity, including our success in deploying any liquidity arising from a transaction into assets bearing sufficiently high yields without incurring unacceptable credit or interest rate risk;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to obtain cost savings and control incremental non-interest expense;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to retain and attract appropriate personnel;</span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">9</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:42.75pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to generate acceptable levels of net interest income and non-interest income, including fee income, from acquired operations;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the diversion of management&#8217;s attention from existing operations;</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the ability to address an increase in working capital requirements; and</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">limitations on the ability to successfully reposition our post-merger balance sheet when deemed appropriate.</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">See Part I, Item 1A, "Risk Factors", in this annual report and in our other SEC filings for a further discussion of important risk factors that could cause actual results to differ materially from our forward-looking statements. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Readers should not place undue reliance on these forward-looking statements, which reflect our expectations only as of the date of this report. We do not assume any obligation to revise or update these forward-looking statements except as may be required by law.</span></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">10</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_19"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART I</span></div><div style="text-align:center"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_22"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:8.695%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:89.105%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item&#160;1.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Business</span></td></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">General</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">New York Community Bancorp, Inc., (on a stand-alone basis, the &#8220;Parent Company&#8221; or, collectively with its subsidiaries, the &#8220;Company&#8221;) is the bank holding company for Flagstar Bank, N.A. (hereinafter referred to as the &#8220;Bank&#8221;). The Company went public in 1993 and has grown organically and through a series of accretive mergers and acquisitions. Effective as of December 1, 2022, in connection with the Parent Company&#8217;s acquisition of Flagstar Bancorp, (i) Flagstar Bank, FSB converted to a national bank to be known as &#8220;Flagstar Bank, N.A.&#8221; and (ii) New York Community Bank was merged with and into Flagstar Bank N.A., with Flagstar Bank N.A. continuing as the surviving entity. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">New York Community Bancorp, Inc. has market-leading positions in several national businesses, including multi-family lending, mortgage originations and servicing, and warehouse lending. The Company is the 2nd largest multi-family portfolio lender in the country and the leading multi-family portfolio lender in the New York City market area, where it specializes in rent-regulated, non-luxury apartment buildings. Flagstar Mortgage is the 7th largest bank originator of residential mortgages for the 12-months ended December&#160;31, 2023, while we are the industry&#8217;s 5th largest sub-servicer of mortgage loans nationwide, servicing 1.4 million accounts with $382.2&#160;billion in unpaid principal balances as of December&#160;31, 2023. Additionally, the Company is the 2nd largest mortgage warehouse lender nationally based on total commitments.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Online Information about the Company and the Bank </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We serve our customers through our website: www.flagstar.com. In addition to providing our customers with 24-hour access to their accounts, and information regarding our products and services, hours of service, and locations, the website provides extensive information about the Company for the investment community. Earnings releases, dividend announcements, and other press releases are posted upon issuance to the Investor Relations portion of the website, which can be found at www.ir.myNYCB.com. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, our filings with the SEC (including our annual report on Form 10-K; our quarterly reports on Form 10-Q; and our current reports on Form 8-K), and all amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, are available without charge, and are posted to the Investor Relations portion of our website. The website also provides information regarding our Board of Directors and management team, as well as certain Board Committee charters and our corporate governance policies. The content of our website shall not be deemed to be incorporated by reference into this Annual Report. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Our Market</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Flagstar Bank, N.A. operates 420 branches including strong footholds in the Northeast and Midwest and exposure to high growth markets in the Southeast and West Coast. Flagstar Mortgage operates nationally through a wholesale network of approximately 3,000 third-party mortgage originators. In addition, the Bank has 134 private banking teams located in over 10 cities in the metropolitan New York City region and on the West Coast, which serve the needs of high-net worth individuals and their businesses. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The market for the loans we produce varies, depending on the type of loan. For example, the vast majority of our multi-family loans are collateralized by rental apartment buildings in New York City, while the majority of the properties collateralizing our CRE and ADC loans are located in the Northeast and Midwest. Our specialty finance loans and leases are generally made to large corporate obligors that participate in stable industries nationwide and our warehouse loans are made to mortgage lenders across the country.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Competition for Deposits </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We compete for deposits and customers by placing an emphasis on convenience and service and, from time to time, by offering specific products at competitive rates. In addition to our 420 branches</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, we have 385 </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ATM locations</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> that operate 24 hours a day</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. Our customers also have 24-hour access to their accounts through our mobile banking app, online through our website, </span><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">www.flagstar.com</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, or through our bank-by-phone service. We also offer certain money market accounts, certificates of deposit and checking accounts through a dedicated website: www.myBankingDirect.com. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">11</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to checking and savings accounts, retirement accounts, and CDs for both businesses and consumers, we offer a suite of cash management products to address the needs of small and mid-size businesses and professional associations. We also compete by complementing our broad selection of traditional banking products with an extensive menu of non-deposit investment products and insurance through a relationship with a third-party broker dealer and insurance agency.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ability to attract and retain deposits is not only a function of short-term interest rates and industry consolidation, but also the competitiveness of the rates being offered by other financial institutions within our marketplace, including credit unions, online banks, and brokerage firms. Additionally, financial technology companies, also referred to as FinTechs, are providing nontraditional, but increasingly strong competition for deposits and customers. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Competition for deposits is also influenced by several internal factors, including the opportunity to assume or acquire deposits through business combinations; the cash flows produced through loan and securities repayments and sales; and the availability of attractively priced wholesale funds. In addition, the degree to which we seek to compete for deposits is influenced by the liquidity needed to fund our loan production and other outstanding commitments. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Competition for Commercial and Consumer Loans and Servicing  </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our success as a lender is substantially tied to the economic health of the markets where we lend. Local economic conditions have a significant impact on loan demand, the value of the collateral securing our credits, and the ability of our borrowers to repay their loans. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The competition we face for loans also varies with the type of loan we are originating. In New York City, where the majority of the buildings collateralizing our multi-family loans are located, we compete for such loans on the basis of timely service and the expertise that stems from being a specialist in this lending niche. In addition to the money center, regional, and local banks we compete with in this market, we compete with insurance companies and other types of lenders. Certain of the banks we compete with sell the loans they produce to Fannie Mae and Freddie Mac. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ability to compete for CRE loans depends on the same factors that impact our ability to compete for multi-family credits, and the degree to which other CRE lenders choose to offer loan products similar to ours. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Competition for our specialty finance loans, which consist primarily of asset-based, equipment financing, and dealer floor plan loans, is driven by a variety of factors, including prevailing economic conditions and the level of interest rates. Moreover, since a majority of our customers in this category are mid-to-large size publicly traded companies, we also face competition for financing from the capital markets. In addition, the majority of specialty finance loans that we originate are sourced from larger financial institutions who have many customers for these loans. Some of these customers are larger and have more capital and liquidity than the Company. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">From a lending perspective, we compete with many institutions including commercial banks, national mortgage lenders, local savings banks, financial technology companies, credit unions and commercial lenders offering mortgage loans and other consumer loans.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> In servicing, we compete primarily against non-bank servicers. The subservicing market in which we operate is also highly competitive and we face competition related to subservicing pricing and service delivery. We compete by offering quality servicing, a robust risk and compliance infrastructure and a model where our mortgage business allows for recapture services to replenish loans for subservicing clients.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Monetary Policy</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company and the Bank are affected by fiscal and monetary policies of the federal government, including those of the FRB which regulates the national money supply in order to mitigate recessionary and inflationary pressures.  Among the techniques available to the FRB are engaging in open market transactions of U.S. Government securities, changing the discount rate and changing reserve requirements against bank deposits. These techniques are used in varying combinations to influence the overall growth of bank loans, investments, and deposits. Their use may also affect interest rates charged on loans and paid on deposits.  The effect of government policies on the earnings of the Company and the Bank cannot be predicted.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">12</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Environmental Issues </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We encounter certain environmental risks in our lending activities and other operations. The existence of hazardous materials may make it unattractive for a lender to foreclose on the properties securing its loans. In addition, under certain conditions, lenders may become liable for the costs of cleaning up hazardous materials found on such properties. We attempt to mitigate such environmental risks by requiring either that a borrower purchase environmental insurance or that an appropriate environmental site assessment be completed as part of our underwriting review on the initial granting of CRE and ADC loans, regardless of location, and of any out-of-state multi-family loans we may produce. Depending on the results of an assessment, appropriate measures are taken to address the identified risks. In addition, we order an updated environmental analysis prior to foreclosing on such properties, and typically hold foreclosed multi-family, CRE, and ADC properties in subsidiaries. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our attention to environmental risks also applies to the properties and facilities that house our bank operations. Prior to acquiring a large-scale property, a Phase 1 Environmental Property Assessment is typically performed by a licensed professional engineer to determine the integrity of, and/or the potential risk associated with, the facility and the property on which it is built. Properties and facilities of a smaller scale are evaluated by qualified in-house assessors, as well as by industry experts in environmental testing and remediation. This two-pronged approach identifies potential risks associated with asbestos-containing material, above and underground storage tanks, radon, electrical transformers (which may contain PCBs), ground water flow, storm and sanitary discharge, and mold, among other environmental risks. These processes assist us in mitigating environmental risk by enabling us to identify and address potential issues, including by avoiding taking ownership or control of contaminated properties. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Subsidiary Activities </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We conduct business primarily through our wholly-owned bank subsidiary, Flagstar Bank, N.A. The Bank has formed, or acquired through merger transactions, 39 active subsidiaries. Of these, 26 are direct subsidiaries of the Bank and 13 are subsidiaries of Bank-owned entities. The Parent Company also has four direct subsidiaries (including Flagstar Bank, N.A). NYB Realty Holding Company, LLC, a subsidiary of the Bank, owns interests in 10 additional active entities organized as indirect wholly-owned subsidiaries to own interests in various real estate properties. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The Parent Company owns special business trusts that were formed for the purpose of issuing capital and common securities and investing the proceeds thereof in the junior subordinated debentures issued by the Company. See Note 12 - Borrowed Funds, in Item 8, &#8220;Financial Statements and Supplementary Data,&#8221; for a further discussion of the Company&#8217;s special business trusts. The Parent Company also has one non-banking subsidiary that was established in connection with the acquisition of Atlantic Bank of New York and two non-banking insurance subsidiaries that were acquired in connection with the Flagstar acquisition. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Human Capital Management</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, our workforce included 8,766 employees. None of our employees are represented by a collective bargaining agreement and we believe our employee relations to be in good standing.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We believe our employees are among our most significant resources and that our employees are critical to our continued success. We focus significant attention on attracting and retaining talented and experienced individuals to manage and support our operations. We pay our employees competitively and offer a broad range of benefits, both of which we believe are competitive with our industry peers and with other firms in the locations in which we do business. Our employees receive salaries that are subject to annual review and periodic benchmarking. Our benefits program includes a 401(k) Plan with an employer matching contribution, healthcare and other insurance benefits, flexible spending accounts and paid time off.  Many of our employees are also eligible to participate in the Company&#8217;s equity award program and the Company's annual incentive program.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are proud to strive to maintain a diverse and inclusive workforce that reflects the demographics of the communities in which we do business.  Our company recognizes that the talents of a diverse workforce are a key competitive advantage.  To increase diversity within our talent pool, we work with key stakeholders in our business locations to deepen our understanding of the local labor market and better position the organization to recruit and retain talent within under-represented communities.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We strive to create and foster a supportive environment for all of our employees, and we are proud to share our business success with individuals whose cultural and personal differences support an innovative and productive workplace.  Approximately two-thirds of our workforce is female and nearly half of our workforce have diverse ethnic backgrounds.  Our policies and practices reflect our commitment to diversity and inclusion in the workplace.</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">13</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A diverse workforce is critical to our long-term success. We strive to build and leverage a diverse, inclusive and engaged workforce that inspires all individuals to work together towards a common goal of superior business results by embracing the unique needs and objectives of our customers and community. We strive to achieve this by hiring great people who represent the talents, experiences, background and diversity of the communities we serve. Our commitment is reflected in the policies that govern our workforce, such as our Diversity Pledge and our Diversity, Equity and Inclusion Policy, and is evidenced in our recruiting strategies, diversity and inclusion training and Employee resource groups, which are key to our efforts. Our Employee resource groups provide our associates access to coaching, mentoring and professional development. As of December&#160;31, 2023, our efforts have been focused on the following eleven employee resource groups which we intend to expand across our recently combined Company: African American, Asian-Indian, Environmental, Hispanic/Latino, Interfaith, LGBTQ, Military Veterans, Native American, People with Disabilities, Women and Young Professionals.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our management teams and all of our employees are expected to exhibit and promote honest, ethical and respectful conduct in the workplace. All of our employees must adhere to a code of conduct that sets standards for appropriate behavior and all employees are required to complete annual training that focuses on preventing, identifying, reporting and stopping any type of unlawful discrimination.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Federal, State, and Local Taxation </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is subject to federal, state, and local income taxes. See the discussion of "Income Taxes" in Note 2 - Summary of Significant Accounting Policies</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Regulation and Supervision </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a brief summary of certain statutes and regulations that significantly affect the Company and its subsidiaries. A number of other statutes and regulations may affect the Company and the Bank but are not discussed in the following paragraphs.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">General </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is a national banking association, subject to federal regulation and oversight by the OCC. The activities of the Bank are limited to those specifically authorized under the National Bank Act and related interpretations of the OCC. The OCC has authority to bring an enforcement action against the Bank for unsafe or unsound banking practices, which could include limiting the Bank&#8217;s ability to conduct otherwise permissible activities, or imposing corrective capital or managerial requirements on the bank. We are also subject to regulation and examination by the FDIC, which insures the deposits of the Bank to the extent permitted by law and the requirements established by the Federal Reserve. The Bank is also subject to the supervision of the CFPB, which regulates the offering and provision of consumer financial products or services under federal consumer financial laws. The OCC, FDIC and the CFPB may take regulatory enforcement actions if we do not operate in accordance with applicable regulations, policies and directives. Proceedings may be instituted against us, or any "institution-affiliated party", such as a director, officer, employee, agent or controlling person, who engages in unsafe and unsound practices, including violations of applicable laws and regulations. The FDIC has additional authority to terminate insurance of accounts, if after notice and hearing, we are found to have engaged in unsafe and unsound practices, including violations of applicable laws and regulations. The federal system of regulation and supervision establishes a comprehensive framework of activities in which to operate and is primarily intended for the protection of depositors and the FDIC's DIF rather than our shareholders.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a bank holding company, we are required to comply with the rules and regulations of the Federal Reserve. We are required to file certain reports, and we are subject to examination by, and the enforcement authority of, the Federal Reserve. Under the federal securities laws, we are also subject to the rules and regulations of the SEC.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Any change to laws and regulations, whether by the Regulatory Agencies or Congress, could have a materially adverse impact on our operations. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">14</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Dodd-Frank Wall Street Reform and Consumer Protection Act </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Enacted in July 2010, the DFA significantly changed the bank regulatory structure and will continue to affect, into the immediate future, the lending and investment activities and general operations of depository institutions and their holding companies. The DFA is complex and comprehensive legislation that impacts practically all aspects of a banking organization, and represents a significant overhaul of many aspects of the regulation of the financial services industry. </span></div><div><span><br/></span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The New York Housing Stability and Tenant Protection Act of 2019</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2019, the New York State Legislature passed the Housing Stability and Tenant Protection Act of 2019 impacting about one million rent-regulated apartment units. Among other things, the new legislation: (i) curtails rent increases from material capital improvements and Individual Apartment Improvements; (ii) all but eliminates the ability for apartments to exit rent regulation; (iii) does away with vacancy decontrol and high income deregulation; and (iv) repealed the 20 percent vacancy bonus. While it will take several years for its full impact to be known, the legislation generally limits a landlord&#8217;s ability to increase rents on rent-regulated apartments and makes it more difficult to convert rent regulated apartments to market rent apartments.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Capital Requirements </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2013, the FRB and the FDIC approved revisions to their capital adequacy guidelines and prompt corrective action rules to implement the revised standards of the Basel Committee on Banking Supervision, commonly called Basel III, and to address relevant provisions of the DFA. Basel III generally refers to two consultative documents released by the Basel Committee on Banking Supervision in December 2009. The Basel III rules generally refer to the rules adopted by U.S. banking regulators in December 2010 to align U.S. bank capital requirements with Basel III and with the related loss absorbency rules they issued in January 2011, which include significant changes to bank capital, leverage, and liquidity requirements. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Basel III rules include new risk-based capital and leverage ratios, which became effective January 1, 2015, and revised the definition of what constitutes &#8220;capital&#8221; for the purposes of calculating those ratios. Under Basel III, the Company and the Bank are required to maintain minimum capital in accordance with the following ratios: (i) a common equity tier 1 capital ratio of 4.5 percent; (ii) a tier 1 capital ratio of 6 percent (increased from 4 percent); (iii) a total capital ratio of 8 percent (unchanged from the prior rules); and (iv) a tier 1 leverage ratio of 4 percent. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the Basel III rules assign higher risk weights to certain assets, such as the 150 percent risk weighting assigned to exposures that are more than 90 days past due or are on non-accrual status, and to certain CRE facilities that finance the acquisition, development, or construction of real property. Basel III also eliminate the inclusion of certain instruments, such as trust preferred securities, from tier 1 capital. In addition, tier 2 capital is no longer limited to the amount of tier 1 capital included in total capital. Mortgage servicing rights, certain deferred tax assets, and investments in unconsolidated subsidiaries over designated percentages of common stock are required, subject to limitation, to be deducted from capital. Finally, tier 1 capital includes accumulated other comprehensive income, which includes all unrealized gains and losses on available-for-sale securities. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Basel III also established a &#8220;capital conservation buffer&#8221; (consisting entirely of common equity tier 1 capital) that is 2.5 percent above the new regulatory minimum capital requirements. This resulted in an increase in the minimum common equity tier 1, tier 1, and total capital ratios to 7.0 percent, 8.5 percent, and 10.5 percent, respectively. The capital conservation buffer is now at its fully phased-in level of 2.5 percent. An institution can be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital levels fall below these amounts. Basel III also establish a maximum percentage of eligible retained income that can be utilized for such capital distributions. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On September 17, 2019, the FRB, the FDIC, and the OCC issued a final rule designed to reduce regulatory burden by simplifying several requirements in the agencies&#8217; regulatory capital rule. Most aspects of the rule apply only to banking organizations that are not subject to the &#8220;advanced approaches&#8221; in the capital rule, which are generally firms with less than $250.0 billion in total consolidated assets and less than $10.0 billion in total foreign exposure. The rule simplifies and clarifies a number of the more complex aspects of the existing capital rule. Specifically, the rule simplifies the capital treatment for certain mortgage servicing assets, certain deferred tax assets, investments in the capital instruments of unconsolidated financial institutions, and minority interests. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">15</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Prompt Corrective Regulatory Action </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Federal Deposit Insurance Corporation Improvement Act of 1991 (&#8220;FDICIA&#8221;) requires, among other things, that federal bank regulatory authorities take &#8220;prompt corrective action&#8221; with respect to institutions that do not meet minimum capital requirements. For such purposes, the law establishes five capital tiers: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized. The five capital tiers are described in more detail below. Under the prompt corrective action regulations, an institution that fails to remain &#8220;well capitalized&#8221; becomes subject to a series of restrictions that increase in severity as its capital condition weakens. Such restrictions may include a prohibition on capital distributions, restrictions on asset growth, or restrictions on the ability to receive regulatory approval of applications. The FDICIA also provides for enhanced supervision authority over undercapitalized institutions, including authority for the appointment of a conservator or receiver for the institution. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the Basel III rules, new definitions of the relevant measures for the five capital categories took effect on January 1, 2015. An institution is deemed to be &#8220;well capitalized&#8221; if it has a total risk-based capital ratio of 10 percent or greater, a tier 1 risk-based capital ratio of 8 percent or greater, a common equity tier 1 risk-based capital ratio of 6.5 percent or greater, and a tier 1 leverage ratio of 5 percent or greater, and is not subject to a regulatory order, agreement, or directive to meet and maintain a specific capital level for any capital measure. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">An institution is deemed to be &#8220;adequately capitalized&#8221; if it has a total risk-based capital ratio of 8 percent or greater, a tier 1 risk-based capital ratio of 6 percent or greater, a common equity tier 1 risk-based capital ratio of 4.5 percent or greater, and a tier 1 leverage ratio of 4 percent or greater. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">An institution is deemed to be &#8220;undercapitalized&#8221; if it has a total risk-based capital ratio of less than 8 percent, a tier 1 risk-based capital ratio of less than 6 percent, a common equity tier 1 risk-based capital ratio of less than 4.5 percent, or a tier 1 leverage ratio of less than 4 percent. An institution is deemed to be &#8220;significantly undercapitalized&#8221; if it has a total risk-based capital ratio of less than 6 percent, a tier 1 risk-based capital ratio of less than 4 percent, a common equity tier 1 risk-based capital ratio of less than 3 percent, or a tier 1 leverage ratio of less than 3 percent. An institution is deemed to be &#8220;critically undercapitalized&#8221; if it has a ratio of tangible equity (as defined in the regulations) to total assets that is equal to or less than 2 percent. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8220;Undercapitalized&#8221; institutions are subject to growth, capital distribution (including dividend), and other limitations, and are required to submit a capital restoration plan. An institution&#8217;s compliance with such a plan is required to be guaranteed by any company that controls the undercapitalized institution in an amount equal to the lesser of 5 percent of the bank&#8217;s total assets when deemed undercapitalized or the amount necessary to achieve the status of adequately capitalized. If an undercapitalized institution fails to submit an acceptable plan, it is treated as if it is &#8220;significantly undercapitalized.&#8221; Significantly undercapitalized institutions are subject to one or more additional restrictions including, but not limited to, an order by the FDIC to sell sufficient voting stock to become adequately capitalized; requirements to reduce total assets, cease receipt of deposits from correspondent banks, or dismiss directors or officers; and restrictions on interest rates paid on deposits, compensation of executive officers, and capital distributions by the parent holding company. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Beginning 60 days after becoming &#8220;critically undercapitalized,&#8221; critically undercapitalized institutions also may not make any payment of principal or interest on certain subordinated debt, extend credit for a highly leveraged transaction, or enter into any material transaction outside the ordinary course of business. In addition, subject to a narrow exception, the appointment of a receiver is required for a critically undercapitalized institution within 270 days after it obtains such status. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that could have a material effect on the Consolidated Financial Statements. For additional information, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">the Capital section of the MD&amp;A and Note 17 - Capital. As of December&#160;31, 2023, each of the Bank&#8217;s capital ratios exceeded those required for an institution to be considered &#8220;well capitalized&#8221; under these regulations.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Enhanced Stress Testing and Prudential Standards</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the Signature transaction, our total assets exceeded $100 billion and therefore we became classified as a Category IV banking organization under the rules issued by the federal banking agencies that tailor the application of enhanced prudential standards to large bank holding companies and the capital and liquidity rules to large bank holding companies and depository institutions under the Dodd-Frank Act and the Economic Growth, Regulatory Relief, and Consumer Protection Act. As a Category IV banking organization, we are subject to enhanced liquidity risk management requirements which include </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">16</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">reporting, liquidity stress testing, a liquidity buffer and resolution planning, subject to the applicable transition periods. If we were to meet or exceed certain other thresholds for asset size, we would become subject to additional requirements. </span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a Category IV banking organization, we are subject to risk committee and risk management requirements, as well as capital planning, liquidity risk management, liquidity buffer and liquidity stress testing requirements.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Stress Testing for Category IV U.S. Banking Organizations</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2019, the Board of Governors of the Federal Reserve System (the &#8220;Board&#8221;) finalized a framework that sorts large banking organizations into one of four categories of prudential standards based on their risk profiles (the &#8220;tailoring rule&#8221;). The most stringent prudential standards apply under Category I (defined as U.S. Global Systemically Important Banks and their depository institution subsidiaries), and the least stringent prudential standards apply under Category IV (defined as U.S. banking organizations with $100.0 billion or more but less than $250.0 billion in total assets and have less than $75.0 billion in cross-jurisdictional activity, weighted short-term wholesale funding, nonbank assets, or off-balance sheet exposure).</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In January 2021, the Board finalized a rule to update capital planning requirements for large banks to be consistent with the tailoring rule. The Board's capital planning requirements for large banks help ensure they plan for and determine their capital needs under a range of different scenarios. The rule removes the company-run stress test requirement for banking organizations subject to Category IV standards. Therefore, banking organizations subject to Category IV standards are not required to calculate forward-looking projections of capital under scenarios provided by the Board.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The rule also aligns the frequency of the calculation of the stress capital buffer requirement with the frequency of the supervisory stress test (with both occurring every other year for banking organizations subject to Category IV standards). The rule allows a banking organization subject to Category IV standards to elect to participate in the supervisory stress test in a year in which the banking organization would not otherwise be subject to the supervisory stress test, and to receive an updated stress capital buffer requirement in that year.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Standards for Safety and Soundness </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Federal law requires each federal banking agency to prescribe, for the depository institutions under its jurisdiction, standards that relate to, among other things, internal controls; information and audit systems; loan documentation; credit underwriting; the monitoring of interest rate risk; asset growth; compensation; fees and benefits; and such other operational and managerial standards as the agency deems appropriate. The federal banking agencies adopted final regulations and Interagency Guidelines Establishing Standards for Safety and Soundness (the &#8220;Guidelines&#8221;) to implement these safety and soundness standards. The Guidelines set forth the safety and soundness standards that the federal banking agencies use to identify and address problems at insured depository institutions before capital becomes impaired. If the appropriate federal banking agency determines that an institution fails to meet any standard prescribed by the Guidelines, the agency may require the institution to provide it with an acceptable plan to achieve compliance with the standard, as required by the Federal Deposit Insurance Act, as amended, (the &#8220;FDI Act&#8221;). </span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">FDIC, OCC, and FRB Regulations </span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The discussion that follows pertains to FDIC, OCC, and FRB regulations other than those already discussed on the preceding pages. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Additional Regulations </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following pertains to regulations other than those already discussed on the preceding pages. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Real Estate Lending Standards</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The FDIC and the other federal banking agencies have adopted regulations that prescribe standards for extensions of credit that (i) are secured by real estate, or (ii) are made for the purpose of financing construction or improvements on real estate. The FDIC regulations require each institution to establish and maintain written internal real estate lending standards that are consistent with safe and sound banking practices, and appropriate to the size of the institution and the nature and scope of its real estate lending activities. The standards also must be consistent with accompanying FDIC Guidelines, which include loan-to-value limitations for the different types of real estate loans. Institutions are also permitted to make a limited amount of loans that do not conform to the proposed loan-to-value limitations as long as such exceptions are reviewed and justified </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">17</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">appropriately. The FDIC Guidelines also list a number of lending situations in which exceptions to the loan-to-value standards are justified. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The FDIC, the OCC, and the FRB (collectively, the &#8220;Federal Banking Agencies&#8221;) also have issued joint guidance entitled &#8220;Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices&#8221; (the &#8220;CRE Guidance&#8221;). The CRE Guidance, which addresses land development, construction, and certain multi-family loans, as well as CRE loans, does not establish specific lending limits but, rather, reinforces and enhances the Federal Banking Agencies&#8217; existing regulations and guidelines for such lending and portfolio management. Specifically, the CRE Guidance provides that a bank has a concentration in CRE lending if (1) total reported loans for construction, land development, and other land represent 100 percent or more of total risk-based capital; or (2) total reported loans secured by multi-family properties, non-farm non-residential properties (excluding those that are owner-occupied), and loans for construction, land development, and other land represent 300 percent or more of total risk-based capital. If a concentration is present, management must employ heightened risk management practices that address key elements, including board and management oversight and strategic planning, portfolio management, development of underwriting standards, risk assessment and monitoring through market analysis and stress testing, and maintenance of increased capital levels as needed to support the level of CRE lending. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 13, 2019, the Federal Banking Agencies issued a final rule, which became effective on April 1, 2020, to modify the agencies&#8217; capital rules for high volatility CRE (&#8220;HVCRE&#8221;) exposures, as required by the EGRRCPA. The final rule revises the definition of HVCRE exposure to make it consistent with the statutory definition of the term included in Section 214 of the EGRRCPA, which excludes any loan made before January 1, 2015. The revised HVCRE exposure definition differs from the previous definition primarily in two ways. First, the previous definition applied to loans that financed ADC activities, whereas the new definition only applies to loans that &#8220;primarily&#8221; finance ADC activities and that are secured by land or improved real estate. This change excludes multipurpose credit facilities that primarily finance the purchase of equipment or other non-ADC activities. Second, the new definition permits the full appraised value of borrower-contributed land (less the total amount of any liens on the real property securing the HVCRE exposure) to count toward the 15 percent capital contribution of the real property&#8217;s appraised &#8220;as completed&#8221; value, which is one of the criteria for an exemption from the heightened risk weight. The final rule includes a grandfathering provision, which provides banking organizations with the option to maintain their current capital treatment for ADC loans originated on or after January 1, 2015, and before April 1, 2020. Banking organizations also will have the option to reevaluate any or all of their ADC loans originated on or after January 1, 2015, using the revised HVCRE exposure definition. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Dividend Limitations </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Parent Company is a separate legal entity from the Bank and must provide for its own liquidity. In addition to operating expenses and any share repurchases, the Parent Company is responsible for paying any dividends declared to the Company&#8217;s shareholders. As a Delaware corporation, the Parent Company is able to pay dividends either from surplus or, in case there is no surplus, from net profits for the fiscal year in which the dividend is declared and/or the preceding fiscal year. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Various legal restrictions limit the extent to which the Company&#8217;s subsidiary bank can supply funds to the Parent Company and its non-bank subsidiaries. The Bank would require the approval of the OCC if the dividends it declares in any calendar year were to exceed the total of its respective net profits for that year combined with its respective retained net profits for</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> the preceding two calendar years, less any required transfer to paid-in capital. The term &#8220;net profits&#8221; is defined as net income for a given period less any dividends paid during that period. As a result of our acquisition of Flagstar, we are also required to seek regulatory approval from the OCC for the payment of any dividend to the Parent Company through at least the period ending November 1, 2024. In 2023, dividends of $580&#160;million were paid by the Bank to the Parent Company.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Investment Activities </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">National bank investment activities are governed by the National Bank Act and OCC regulations which, consistent with safe and sound banking practices, prescribe standards under which national banks may purchase, sell, deal in, underwrite, and hold securities. The types of investment activities that are permissible for national banks, and the calculation of limits for investments in such covered securities, are set forth in regulations promulgated by the OCC (12 CFR Part 1), as further described in the OCC&#8217;s Investment Securities Policy Statement (OCC Bulletin 1998-20).  A national bank must adhere to safe and sound banking practices and the specific requirements of the OCC's regulations in conducting such investment activities. A bank must consider, as appropriate, the interest rate, credit, liquidity, price, foreign exchange, transaction, compliance, strategic, and reputation risks presented by a proposed activity, and the particular activities undertaken by the bank must be appropriate for that bank. If the OCC determines for safety and soundness reasons that a bank should calculate its investment limits more frequently than required by the OCC's Investment Securities regulations, the OCC may provide written notice to the bank </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">18</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">directing the bank to calculate its investment limitations at a more frequent interval, and the bank must thereafter calculate its investment limits at that interval until further notice from the OCC.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The GLBA and FDIC regulations also impose certain quantitative and qualitative restrictions on such activities and on a bank&#8217;s dealings with a subsidiary that engages in specified activities. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Enforcement </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The OCC has authority to bring an enforcement action against the Bank for unsafe or unsound banking practices, which could include limiting the Bank&#8217;s ability to conduct otherwise permissible activities, or imposing corrective capital or managerial requirements on the bank. In addition, the Parent Company is subject to the enforcement authority of the Federal Reserve. The enforcement authority of these regulatory agencies includes, among other things, the ability to assess civil money penalties, to issue cease and desist orders, and to remove directors and officers. In general, these enforcement actions may be initiated in response to violations of laws and regulations and unsafe or unsound practices. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Insurance of Deposit Accounts </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The deposits of the Bank are insured up to applicable limits by the DIF. The maximum deposit insurance provided by the FDIC per account owner is $250,000 for all types of accounts. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the FDIC&#8217;s risk-based assessment system, insured institutions are assigned to one of four risk categories based upon supervisory evaluations, regulatory capital level, and certain other factors, with less risky institutions paying lower assessments based on the assigned risk levels. An institution&#8217;s assessment rate depends upon the category to which it is assigned and certain other factors. Assessment rates range from 1.5 to 40 basis points of the institution&#8217;s assessment base, which is calculated as average total assets minus average tangible equity.  No institution may pay a dividend if in default of the federal deposit insurance assessment.  Deposit insurance assessments are based on total average assets, excluding PPP loans, less average tangible common equity.  The FDIC has authority to increase insurance assessments.  Management cannot predict what insurance assessments rates will be in the future. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Insurance of deposits may be terminated by the FDIC upon a finding that an institution has engaged in unsafe or unsound practices, is in an unsafe or unsound condition to continue operations, or has violated any applicable law, regulation, rule, order, or condition imposed by the FDIC. Management does not know of any practice, condition, or violation that would lead to termination of the deposit insurance for the Bank. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 16, 2023, the FDIC published in the Federal Register its final rule that imposes special assessments to recover the loss to the Deposit Insurance Fund arising from the protection of uninsured depositors in connection with the systemic risk determination announced on March 12, 2023, following the closures of Silicon Valley Bank and Signature Bank. The assessment base for the special assessments is equal to an insured depository institution&#8217;s estimated uninsured deposits, reported as of December 31, 2022, adjusted to exclude the first $5 billion in estimated uninsured deposits from the insured depository institution, or for insured depository institutions that are part of a holding company with one or more subsidiary insured depository institutions, at the banking organization level. The final rule calls for the FDIC to collect special assessments at an annual rate of approximately 13.4 basis points, over eight quarterly assessment periods. Because the estimated loss pursuant to the systemic risk determination will be periodically adjusted, the FDIC retains the ability to cease collection early, extend the special assessment collection period one or more quarters beyond the initial eight-quarter collection period to collect the difference between actual or estimated losses and the amounts collected, and impose a final shortfall special assessment on a one-time basis after the receiverships for Silicon Valley Bank and Signature Bank terminate. The final rule set an effective date of April 1, 2024, with special assessments collected beginning with the first quarterly assessment period of 2024 (i.e., January 1 through March 31, 2024, with an invoice payment date of June 28, 2024).</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In February 2024, we received notification from the FDIC that the estimated loss attributable to the protection of uninsured depositors at Silicon Valley Bank and Signature Bank is $20.4 billion, an increase of approximately $4.1 billion from the estimate of $16.3 billion described in the final rule. The FDIC plans to provide institutions subject to the special assessment an updated estimate of each institution&#8217;s quarterly and total special assessment expense with its first quarter 2024 special assessment invoice, to be released in June 2024.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">   </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We expect an increase in special assessment expense, which is not expected to be material, on or around June 2024 based on the FDIC&#8217;s modified loss estimate.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">19</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Holding Company Regulations </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Regulation. </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is currently subject to examination, regulation, and periodic reporting under the BHCA, as administered by the FRB. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Acquisition, Activities and Change in Control</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The Company may only conduct, or acquire control of companies engaged in activities permissible for a bank holding company pursuant to the BHCA. Further, we generally are required to obtain Federal Reserve approval before acquiring direct or indirect ownership or control of any voting shares of another bank, bank holding company, savings associations or savings and loan holding company if we would own or control more than 5 percent of the outstanding shares of any class of voting securities of that entity. Additionally, we are prohibited from acquiring control of a depository institution that is not federally insured or retaining control for more than one year after the date that institution becomes uninsured. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We may not be acquired unless the transaction is approved by the Federal Reserve. In addition, the GLBA generally restricts a company from acquiring us if that company is engaged directly or indirectly in activities that are not permissible for a bank holding company or financial holding company.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Capital Requirements.</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Company and the Bank are currently subject to the regulatory capital framework and guidelines reached by Basel III as adopted by the OCC and Federal Reserve. The OCC and Federal Reserve have risk-based capital adequacy guidelines intended to measure capital adequacy with regard to a banking organization&#8217;s balance sheet, including off-balance sheet exposures such as unused portions of loan commitments, letters of credit and recourse arrangements. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that could have a material effect on the Consolidated Financial Statements. For additional information, see the Capital section of the MD&amp;A and Note 17 -Capital.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Holding Company Limitations on Capital Distributions.</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> Our ability to make any capital distributions to our stockholders, including dividends and share repurchases, is subject to the oversight of the Federal Reserve and contingent upon their non-objection to such planned distributions which typically considers our capital adequacy, comprehensiveness and effectiveness of capital planning and the prudence of the proposed capital action.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Acquisition of the Holding Company </span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Restrictions </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the Federal Change in Bank Control Act (&#8220;CIBCA&#8221;), a notice must be submitted to the FRB if any person (including a company), or group acting in concert, seeks to acquire 10 percent or more of the Company&#8217;s shares of outstanding common stock, unless the FRB has found that the acquisition will not result in a change in control of the Company. Under the CIBCA, the FRB generally has 60 days within which to act on such notices, taking into consideration certain factors, including the financial and managerial resources of the acquirer; the convenience and needs of the communities served by the Company, the Bank; and the anti-trust effects of the acquisition. Under the BHCA, any company would be required to obtain approval from the FRB before it may obtain &#8220;control&#8221; of the Company within the meaning of the BHCA. Control generally is defined to mean the ownership or power to vote 25 percent or more of any class of voting securities of the Company, the ability to control in any manner the election of a majority of the Company&#8217;s directors, or the power to exercise a controlling influence over the management or policies of the Company. Under the BHCA, an existing bank holding company would be required to obtain the FRB&#8217;s approval before acquiring more than 5 percent of the Company&#8217;s voting stock. See &#8220;Holding Company Regulation&#8221; earlier in this report. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Banking Regulation</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Limitation on Capital Distributions</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The OCC and FRB regulate all capital distributions made by the Bank, directly or indirectly, to the holding company, including dividend payments. An application to the OCC by the Bank may be required based on a number of factors including whether the Bank would not be at least adequately capitalized following the distribution or if the total amount of all capital distributions (including each proposed capital distribution) for the applicable calendar year exceeds net income for that year to date plus the retained net income for the preceding two years. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of our acquisition of Flagstar, we are required to seek regulatory approval from the OCC for the payment of any dividend to the Parent Company through at least the period ending November 1, 2024, which could restrict our ability to pay the common stock dividend.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">20</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Transactions with Affiliates </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under current federal law, transactions between depository institutions and their affiliates are governed by Sections 23A and 23B of the Federal Reserve Act and the FRB&#8217;s Regulation W promulgated thereunder. Generally, Section 23A limits the extent to which the institution or its subsidiaries may engage in &#8220;covered transactions&#8221; with any one affiliate to an amount equal to 10 percent of the institution&#8217;s capital stock and surplus, and contains an aggregate limit on all such transactions with all affiliates to an amount equal to 20 percent of such capital stock and surplus. Section 23A also establishes specific collateral requirements for loans or extensions of credit to, or guarantees or acceptances on letters of credit issued on behalf of, an affiliate. Section 23B requires that covered transactions and a broad list of other specified transactions be on terms substantially the same as, or at least as favorable to, the institution or its subsidiaries as similar transactions with non-affiliates. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Sarbanes-Oxley Act of 2002 generally prohibits loans by the Company to its executive officers and directors. However, the Sarbanes-Oxley Act contains a specific exemption for loans made by an institution to its executive officers and directors in compliance with other federal banking laws. Section 22(h) of the Federal Reserve Act, and FRB Regulation O adopted thereunder, govern loans by a bank to directors, executive officers, and principal stockholders. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Community Reinvestment Act </span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Regulation </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the CRA, as implemented by OCC regulations, an institution has a continuing and affirmative obligation consistent with its safe and sound operation to help meet the credit needs of its entire community, including low and moderate income neighborhoods. The CRA generally does not establish specific lending requirements or programs for financial institutions, nor does it limit an institution&#8217;s discretion to develop the types of products and services that it believes are best suited to its particular community, consistent with the CRA. However, institutions are rated on their performance in meeting the needs of their communities. Performance is tested in three areas: (1) lending, to evaluate the institution&#8217;s record of making loans in its assessment areas; (2) investment, to evaluate the institution&#8217;s record of investing in community development projects, affordable housing, and programs benefiting low- or moderate-income individuals and businesses; and (3) service, to evaluate the institution&#8217;s delivery of services through its branches, ATMs and other offices. The CRA requires each federal banking agency, in connection with its examination of a financial institution, to assess and assign one of four ratings to the institution&#8217;s record of meeting the credit needs of the community and to take such record into account in its evaluation of certain applications by the institution, including applications for charters, branches and other deposit facilities, relocations, mergers, consolidations, acquisitions of assets or assumptions of liabilities, and bank holding company and savings and loan holding company acquisitions. The CRA also requires that all institutions make public disclosure of their CRA ratings. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 24, 2023, the OCC, the FDIC and the Federal Reserve issued a final rule amending the agencies&#8217; CRA regulations.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The final rule (i) encourages banks to expand access to credit, investment and banking services in low- and moderate-income communities, (ii) adapts to changes in the banking industry, including mobile and online banking, (iii) provides greater clarity and consistency in the application of CRA regulations and (iv) tailors CRA evaluations and data collection to bank size and type.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the final rule, the agencies will evaluate bank performance across the varied activities they conduct and communities in which they operate so that the CRA continues to be an effective tool to address inequities in access to credit and financial services.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The final rule also updates existing CRA regulations to evaluate lending outside traditional assessment areas generated by the growth of non-branch delivery systems, such as online and mobile banking, branchless banking, and hybrid models. In addition, the final rule implements a new metrics-based approach to evaluating bank retail lending and community development financing, using benchmarks based on peer and demographic data.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">   </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Most of the final rule&#8217;s requirements will become effective beginning on January 1, 2026 and the remaining requirements, including the final rule&#8217;s data reporting requirements, will become effective on January 1, 2027.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">21</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Community Pledge Agreement with the National Community Reinvestment Coalition</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January 24, 2022, the Company and the National Community Reinvestment Coalition ("NCRC") announced the Company's commitment to provide $28.0 billion in loans, investments, and other financial support to communities and people of color, low- and moderate-income ("LMI") families and communities, and small businesses. The Company's Community Pledge Agreement was developed with NCRC and its members in conjunction with the Company's merger with Flagstar Bancorp, Inc.  The agreement includes $22.0 billion in community lending and affordable housing commitments and $6.0 billion of residential mortgage originations to underserved and LMI borrowers, and in LMI and majority-minority neighborhoods over a five-year period.  The Company will also provide $542 million in loans to small businesses with less than $1 million in revenues and in LMI and majority-minority communities; $16.5 million in philanthropic support to nonprofit organizations that meet the needs of LMI and majority-minority communities and individuals; greater access to banking products and services; and the continuation of the Company's responsible multi-family lending practices.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Bank Secrecy and Anti-Money Laundering </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to the Bank Secrecy Act (&#8220;BSA&#8221;) and other anti-money laundering laws and regulations, including the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act, commonly referred to as the &#8220;USA PATRIOT Act&#8221; or the &#8220;Patriot Act&#8221;. The BSA requires all financial institutions to, among other things, establish a risk-based system of internal controls reasonably designed to prevent money laundering and the financing of terrorism. The BSA includes various record keeping and reporting requirements such as cash transaction and suspicious activity reporting as well as due diligence requirements. The Bank is also required to comply with the U.S. Treasury&#8217;s Office of Foreign Assets Control imposed economic sanctions that affect transactions with designated foreign countries, nationals, individuals, entities and others. The USA PATRIOT Act contains prohibitions against specified financial transactions and account relationships, as well as enhanced due diligence standards intended to prevent the use of the United States financial system for money laundering and terrorist financing activities. The Patriot Act requires banks and other depository institutions, brokers, dealers and certain other businesses involved in the transfer of money to establish anti-money laundering programs, including employee training and independent audit requirements meeting minimum standards specified by the Patriot Act, to follow standards for customer identification and maintenance of customer identification records, and to compare customer lists against lists of suspected terrorists, terrorist organizations and money launderers. The Patriot Act also requires federal bank regulators to evaluate the effectiveness of an applicant in combating money laundering in determining whether to approve a proposed bank acquisition.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have developed and operate an enterprise-wide anti-money laundering program designed to enable us to comply with all applicable anti-money laundering and anti-terrorism financing laws and regulations. Our anti-money laundering program is also designed to prevent our products from being used to facilitate business in certain countries or territories, or with certain individuals or entities, including those on designated lists promulgated by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets Controls and other U.S. and non-U.S. sanctions authorities. Our anti-money laundering and sanctions compliance programs include policies, procedures, reporting protocols, and internal controls designed to identify, monitor, manage, and mitigate the risk of money laundering and terrorist financing. These controls include procedures and processes to detect and report potentially suspicious transactions, perform consumer due diligence, respond to requests from law enforcement, and meet all recordkeeping and reporting requirements related to particular transactions involving currency or monetary instruments. Our programs are designed to address these legal and regulatory requirements and to assist in managing risk associated with money laundering and terrorist financing.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Office of Foreign Assets Control Regulation </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The United States has imposed economic sanctions that affect transactions with designated foreign countries, foreign nationals, and others. These are typically known as the &#8220;OFAC&#8221; rules, based on their administration by the U.S. Treasury Department Office of Foreign Assets Control. The OFAC-administered sanctions targeting countries take many different forms. Generally, however, they contain one or more of the following elements: (i) restrictions on trade with, or investment in, a sanctioned country, including prohibitions against direct or indirect imports from, and exports to, a sanctioned country and prohibitions on &#8220;U.S. persons&#8221; engaging in financial transactions relating to making investments in, or providing investment-related advice or assistance to, a sanctioned country; and (ii) a blocking of assets in which the government or specially designated nationals of the sanctioned country have an interest, by prohibiting transfers of property subject to U.S. jurisdiction (including property in the possession or control of U.S. persons). Blocked assets (e.g., property and bank deposits) cannot be paid out, withdrawn, set off, or transferred in any manner without a license from OFAC. Failure to comply with these sanctions could have serious legal and reputational consequences. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">22</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Data Privacy </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Federal and state law contains extensive consumer privacy protection provisions. The GLBA requires financial institutions to periodically disclose their privacy practices and policies relating to sharing such information and enable retail customers to opt out of the Company&#8217;s ability to share certain information with affiliates and non-affiliates for marketing and/or non-marketing purposes, or to contact customers with marketing offers. The GLBA also requires financial institutions to implement a comprehensive information security program that includes administrative, technical, and physical safeguards to ensure the security and confidentiality of customer records and information, and imposes certain limitations on the ability to share consumers&#8217; nonpublic personal information with non-affiliated third-parties. Privacy requirements, including notice and opt out requirements, under the GLBA and the FCRA are enforced by the FTC and by the CFPB through UDAAP laws and regulations, and are a standard component of CFPB examinations. State entities also may initiate actions for alleged violations of privacy or security requirements under state law.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, an increasing number of state, federal, and international jurisdictions have enacted, or are considering enacting, privacy laws, such as the California Consumer Privacy Act (&#8220;CCPA&#8221;), which became effective on January 1, 2020, and the EU General Data Protection Regulation (&#8220;GDPR&#8221;), which regulates the collection, control, sharing, disclosure and use and other processing of personal information of data subjects in the EU and the European Economic Area. The CCPA gives residents of California expanded rights to access and delete their personal information, opt out of certain personal information sharing, and receive detailed information about how their personal information is used, and also provides for civil penalties for violations and private rights of action for data breaches. Meanwhile, the GDPR provides data subjects with greater control over the collection and use of their personal information (such as the &#8220;right to be forgotten&#8221;) and has specific requirements relating to cross-border transfers of personal information to certain jurisdictions, including to the United States, with fines for noncompliance of up to the greater of 20 million euros or up to 4 percent of the annual global revenue of the noncompliant company. In addition, California approved a new privacy law in 2020, the California Privacy Rights Act (&#8220;CPRA&#8221;), which significantly modifies the CCPA, including by expanding consumers&#8217; rights with respect to certain personal information and creating a new state agency to oversee implementation and enforcement efforts.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Cybersecurity </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Cybersecurity Information Sharing Act (the &#8220;CISA&#8221;) is intended to improve cybersecurity in the U.S. through sharing of information about security threats between the U.S. government and private sector organizations, including financial institutions such as the Company. The CISA also authorizes companies to monitor their own systems, notwithstanding any other provision of law, and allows companies to carry out defensive measures on their own systems from potential cyber-attacks. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Sarbanes-Oxley Act of 2002 </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Sarbanes-Oxley Act of 2002 was enacted to address, among other things, corporate governance, auditing and accounting, executive compensation, and enhanced and timely disclosure of corporate information. As directed by the Sarbanes-Oxley Act, our Chief Executive Officer and Chief Financial Officer are required to certify that our quarterly and annual reports do not contain any untrue statement of a material fact. The rules adopted by the SEC under the Sarbanes-Oxley Act have several requirements, including having those Officers certify that they are responsible for establishing, maintaining and regularly evaluating the effectiveness of our internal controls over financial reporting; that they have made certain disclosures to our auditors and the Audit Committee of the Board of Directors about our internal control over financial reporting; and they have included information in our quarterly and annual reports about their evaluation and whether there have been changes in our internal control over financial reporting or in other factors that could materially affect internal control over financial reporting. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Federal Home Loan Bank System </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is a member of the FHLB-NY and FHLB-Indianapolis. As a member of the FHLB-NY, the Bank is required to acquire and hold shares of FHLB-NY capital stock. At </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> the Bank held </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$861&#160;million of FHLB-NY stock and $329&#160;million of FHLB-Indianapolis shares.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">23</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Federal Securities Law </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s common stock and certain other securities listed on the cover page of this report are registered with the SEC under the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;). The Company is subject to the information and proxy solicitation requirements, insider trading restrictions, and other requirements under the Exchange Act. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consumer Protection Regulations </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The activities of the Company&#8217;s banking subsidiary, including its lending and deposit gathering activities, is subject to a variety of consumer laws and regulations designed to protect consumers. These laws and regulations mandate certain disclosure requirements, and regulate the manner in which financial institutions must deal with clients and monitor account activity when taking deposits from, making loans to, or engaging in other types of transactions with, such clients. Failure to comply with these laws and regulations could lead to substantial penalties, operating restrictions, and reputational damage to the financial institution. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Applicable consumer protection laws, and their implementing regulations, include, but may not be limited to, the DFA, Truth in Lending Act (Regulation Z), Truth in Savings Act (Regulation DD), Equal Credit Opportunity Act (Regulation B), Electronic Funds Transfer Act (Regulation E), Fair Housing Act, Home Mortgage Disclosure Act (Regulation C), Fair Debt Collection Practices Act (Regulation F), Fair Credit Reporting Act (Regulation V), as amended by the Fair and Accurate Credit Transactions Act, Expedited Funds Availability (Regulation CC), Reserve Requirements (Regulation D), Insider Transactions (Regulation O), Privacy of Consumer Information (Regulation P), Margin Stock Loans (Regulation U), Right To Financial Privacy Act, Flood Disaster Protection Act, Homeowners Protection Act, Servicemembers Civil Relief Act, Real Estate Settlement Procedures Act (Regulation X), Telephone Consumer Protection Act, CAN-SPAM Act, Children&#8217;s Online Privacy Protection Act, the Military Lending Act, and the Homeownership Counseling Act. Additionally, we are subject to Section 5 of the Federal Trade Commission Act, which prohibits unfair and deceptive acts or practices in or affecting commerce, and Section 1031 of the Dodd-Frank Act, which prohibits unfair, deceptive, or abusive acts or practices (&#8220;UDAAP&#8221;) in connection with any consumer financial product or service.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, the Bank and its subsidiaries are subject to certain state laws and regulations designed to protect consumers. Many states have consumer protection laws analogous to, or in addition to, the federal laws listed above, such as usury laws, state debt collection practices laws, and requirements regarding loan disclosures and terms, credit discrimination, credit reporting, money transmission, recordkeeping, and unfair or deceptive business practices. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain states have adopted laws regulating and requiring licensing, registration, notice filing, or other approval for parties that engage in certain activity regarding consumer finance transactions. Furthermore, certain states and localities have adopted laws requiring licensing, registration, notice filing, or other approval for consumer debt collection or servicing, and/or purchasing or selling consumer loans. The licensing statutes vary from state to state and prescribe different requirements, including but not limited to: restrictions on loan origination and servicing practices (including limits on the type, amount, and manner of our fees), interest rate limits, disclosure requirements, periodic examination requirements, surety bond and minimum specified net worth requirements, periodic financial reporting requirements, notification requirements for changes in principal officers, stock ownership or corporate control, restrictions on advertising, and requirements that loan forms be submitted for review. We may also be subject to supervision and examination by applicable state regulatory authorities in the jurisdictions in which we may offer consumer financial products or services.  </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Consumer Financial Protection Bureau </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to oversight by the CFPB within the Federal Reserve System. The CFPB was established under the DFA to implement and enforce rules and regulations under certain federal consumer protection laws with respect to the conduct of providers of certain consumer financial products and services. The CFPB has broad rulemaking authority for a wide range of consumer financial laws that apply to all banks, including, among other things, the authority to prohibit acts and practices that are deemed to be unfair, deceptive, or abusive. Abusive acts or practices are defined as those that (1) materially interfere with a consumer&#8217;s ability to understand a term or condition of a consumer financial product or service, or (2) take unreasonable advantage of a consumer&#8217;s (a) lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service; (b) the inability of the consumer to protect his/her own interest in selecting or using a financial product or service; or (c) the reasonable reliance by the consumer on a financial institution to act in the interests of the consumer.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CFPB has exclusive examination and primary enforcement authority with respect to compliance with federal consumer financial protection laws and regulations by institutions under its supervision and is authorized, individually or jointly </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">24</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">with the federal banking agencies, to conduct investigations to determine whether any person is, or has, engaged in conduct that violates such laws or regulations. The CFPB has the authority to investigate possible violations of federal consumer financial law, hold hearings, and commence civil litigation. The CFPB can issue cease-and-desist orders against banks and other entities that violate consumer financial laws. The CFPB also may institute a civil action against an entity in violation of federal consumer financial law in order to impose a civil penalty or an injunction. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CFPB is also authorized to collect fines and provide consumer restitution in the event of violations, engage in consumer financial education, track consumer complaints, request data and promote the availability of financial services to underserved consumers and communities. The CFPB is authorized to pursue administrative proceedings or litigation for violations of federal consumer financial laws. In these proceedings, the CFPB can obtain cease and desist orders (which can include orders for restitution or rescission of contracts, as well as other kinds of affirmative relief) and monetary penalties which, for 2023, range from $6,813 per day for minor violations of federal consumer financial laws (including the CFPB&#8217;s own rules) to $34,065 per day for reckless violations and $1,362,567 per day for knowing violations. The CFPB monetary penalty amounts are adjusted annually for inflation. Also, where a company has violated Title X of the Dodd-Frank Act or CFPB regulations under Title X, the Dodd-Frank Act empowers state attorneys general and state regulators to bring civil actions for the kind of cease and desist orders available to the CFPB (but not for civil penalties). </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In May 2022, the CFPB issued an Interpretive Rule to clarify the authority of states to enforce federal consumer financial protections laws under the Consumer Financial Protection Act of 2010 (&#8220;CFPA&#8221;). Specifically, the CFPB confirmed that (1) states can enforce the CFPA, including the provision making it unlawful for covered persons or service providers to violate any provision of federal consumer financial protection law; (2) the enforcement authority of states under section 1042 of the CFPA is generally not subject to certain limits applicable to the CFPB&#8217;s enforcement authority, such that States may be able to bring actions against a broader cross-section of companies than the CFPB; and (3) state attorneys general and regulators may bring (or continue to pursue) actions under their CFPA authority even if the CFPB is pursuing a concurrent action against the same entity. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">See</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> CFPB Interpretive Rule regarding Section 1042 of the Consumer Financial Protection Act of 2010 (87 FR 31940, May 26, 2022).</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Supervision and Regulation of Mortgage Banking Operations</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our mortgage banking business is subject to the rules and regulations of the U.S. Department of Housing and Urban Development (&#8220;HUD&#8221;), the Federal Housing Administration, the Veterans&#8217; Administration (&#8220;VA&#8221;) and Fannie Mae and Freddie Mac with respect to originating, processing, selling and servicing mortgage loans. Those rules and regulations, among other things, prohibit discrimination and establish underwriting guidelines, which include provisions for inspections and appraisals, require credit reports on prospective borrowers, and fix maximum loan amounts. Lenders are required annually to submit audited financial statements to Fannie Mae, FHA and VA. Each of these regulatory entities has its own financial requirements. We are also subject to examination by Fannie Mae, FHA and VA to assure compliance with the applicable regulations, policies and procedures. Mortgage origination activities are subject to, among others, the Equal Credit Opportunity Act, the Federal Truth-in-Lending Act, the Fair Housing Act, the Fair Credit Report Act, the National Flood Insurance Act and the Real Estate Settlement Procedures Act and related regulations that prohibit discrimination and require the disclosure of certain basic information to mortgagors concerning credit terms and settlement costs. Our mortgage banking operations are also affected by various state and local laws and regulations and the requirements of various private mortgage investors.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Enterprise Risk Management </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s and the Bank&#8217;s Boards of Directors are actively engaged in the process of overseeing the efforts made by the Enterprise Risk Management department to identify, measure, monitor, mitigate, and report risk. The Company has established an ERM program that reinforces a strong risk culture to support sound risk management practices. The Board is responsible for the approval and oversight of the ERM program and framework. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ERM is responsible for setting and aligning the Company&#8217;s Risk Appetite Policy with the goals and objectives set forth in the budget, and the strategic and capital plans. Internal controls and ongoing monitoring processes capture and address heightened risks that threaten the Company&#8217;s ability to achieve our goals and objectives, including the recognition of safety and soundness concerns and consumer protection. Additionally, ERM monitors key risk indicators against the established risk warning levels and limits, as well as elevated risks identified by the Chief Risk Officer. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">25</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Recent Events </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Declaration of Dividend on Common Shares </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January&#160;30, 2024, our Board of Directors declared a quarterly cash dividend on the Company&#8217;s common stock $0.05 per share, which represented a reduction from the prior quarterly cash dividend of $0.17 per share. The dividend was paid on February&#160;28, 2024 to common stockholders of record as of February&#160;14, 2024. On March 7, 2024, the Company announced that future quarterly cash dividends on shares of the Company&#8217;s common stock would be further reduced to $0.01 per share.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Equity Capital Raise</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 7, 2024, we entered into separate investment agreements with (a) affiliates of funds managed by Liberty 77 Capital, L.P. (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Liberty</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), (b) affiliates of funds managed by Hudson Bay Capital Management, LP (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Hudson Bay</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), (c) affiliates of funds managed by Reverence Capital Partners L.P. (&#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Reverence</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), and (d) certain other investors (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Other Investors</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and, collectively with Liberty, Reverence and Hudson Bay, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Investors</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;, and the investments agreements entered into with each of the Investors on March 7, 2024, collectively, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Original Investment Agreements</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;). On March 11, 2024, NYCB entered into separate amendments to the Original Investment Agreements with Liberty (such agreement, as amended, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Liberty Investment Agreement</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;), Hudson Bay (such agreements, as amended, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Hudson Bay Investment Agreements</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;) and Reverence (such agreement, as amended, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Reverence Agreement</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221; and, collectively with the Liberty Agreement, the Hudson Bay Agreements and the Original Investment Agreements of the Other Investors, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;text-decoration:underline">Investment Agreements</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8221;).</span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Pursuant to the Investment Agreements, on March 11, 2024, the Investors invested an aggregate of approximately $1.05 billion in the Company in exchange for the sale and issuance by the Company of (a) 76,630,965 shares of our common stock, at a purchase price per share of $2.00, (b) 192,062 shares of a new series of our preferred stock, par value $0.01 per share, designated as Series B Noncumulative Convertible Preferred Stock (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:underline">Series B Preferred Stock</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8221;), at a price per share of $2,000, each share of which is convertible into 1,000 shares of common stock (or, in certain limited circumstances, one share of Series C Preferred Stock (as defined below)), (c) 256,307 shares of a new series of our preferred stock, par value $0.01 per share, designated as Series C Noncumulative Convertible Preferred Stock (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:underline">Series C Preferred Stock</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8221;, together with the Series B Preferred Stock, the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:underline">Preferred Stock</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8221;), at a price per share of $2,000, each share of which is convertible into 1,000 shares of common stock, and (d) warrants (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:underline">Issued Warrants</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8221;), which may not be exercised until 180 days after issuance thereof, affording the holder thereof the right, until the seven-year anniversary of the issuance of such Issued Warrant, to purchase for $2,500 per share, shares of a new class of non-voting, common-equivalent preferred stock of the Company (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:underline">Series D NVCE Stock</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8221;), each share of Series D NVCE Stock is convertible into 1,000 shares of common stock (or, in certain limited circumstances, one share of Series C Preferred Stock), and all of which shares of Series D NVCE Stock, upon issuance, will represent the right (on an as converted basis) to receive 315,000,000 million shares of common stock. </span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">On March 11, 2024, we entered into a Registration Rights Agreement with each Investor (the &#8220;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:underline">Registration Rights Agreement</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">&#8221;), pursuant to which we will provide customary registration rights to the Investors and their affiliates and certain permitted transferees with respect to, among other things, (a) the shares of our common stock purchased under the Investment Agreements, (b) shares of our common stock issued upon the conversion of shares of the Preferred Stock and exercise of the Issued Warrants purchased under the Investment Agreements, (c) in certain circumstances, the shares of Preferred Stock and (d) the Warrants. Under the Registration Rights Agreement, the Investors are entitled to customary shelf registration rights (which will initially be on a Form S-1) and customary piggyback registration rights, in each case, subject to certain limitations as set forth in the Registration Rights Agreement. Liberty and Reverence will additionally be entitled to request a certain number of marketed and unmarketed underwritten shelf takedowns  and shall have the right to select the managing underwriter to administer any underwritten shelf takedowns provided the selection is reasonably acceptable to us. </span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The foregoing description of the Investment Agreements, the Registration Rights Agreement, the Issued Warrant, and the transactions contemplated thereby are not complete and are qualified in their entirety by reference to the full text of the Investment Agreements, which are filed as Exhibits 10.18&#8211;20 to this Annual Report on Form 10-K, the Registration Rights Agreement, which is filed as Exhibit 10.21 to this Annual Report on Form 10-K, and the IssuedWarrant, which is filed as Exhibit 4.5 to this Annual Report on Form 10-K, and in each case incorporated by reference herein.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with this capital raise, (i) Joseph Otting was appointed as President and Chief Executive Officer of the Company, effective as of April 1, 2024, (ii) Alessandro DiNello was named Non-Executive Chairman of the Company, effective as of April 1, 2024, (iii) the Board of Directors of the Company was reduced to ten members, and (iv) four new directors (Steven Mnuchin, Joseph Otting, Allen Puwalski and Milton Berlinski) were appointed to the Board. </span></div><div style="text-align:justify;text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, the Company announced on March 11, 2024 that it plans to submit to its stockholders a plan for the adoption and approval of at least a 1-3 reverse stock split of our common stock and to increase the number of authorized shares </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">26</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">of the Company's common stock to at least 1,700,000,000 (or at least 566,670,000 in the event of approval of the reverse stock split).</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257040"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Item&#160;1A. Risk Factors</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There are various risks and uncertainties that are inherent to our business. Primary among these are (1) interest rate risk, which arises from movements in interest rates; (2) credit risk, which arises from an obligor&#8217;s failure to meet the terms of any contract with a bank or to otherwise perform as agreed; (3) risks related to our financial statements; (4) liquidity and dividend risk, which arises from a bank&#8217;s inability to meet its obligations when they come due without incurring unacceptable losses, and related risks regarding our ability to pay dividends; (5) legal/compliance risk, which arises from violations of, or non-conformance with, laws, rules, regulations, prescribed practices, or ethical standards; (6) financial and market risk, which arises from changes in the value of portfolios of financial instruments, as well as other matters that may dilute the value of our securities; (7) strategic risk, which is the risk of loss arising  from the execution of our strategic initiatives and business strategies, including our acquisition and integration of other companies we acquire; (8) operational risk, which arises from problems with service or product delivery; and (9) reputational risk, which arises from negative public opinion resulting in a significant decline in stockholder value. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Following is a discussion of the material risks and uncertainties that could have a material adverse impact on our financial condition, results of operations, and the value of our shares. The failure to properly identify, monitor, and mitigate any of the below referenced risks, could result in increased regulatory risk and could potentially have an adverse impact on the Company. Additional risks that are not currently known to us, or that we currently believe to be immaterial, also may have a material effect on our financial condition and results of operations. This Annual Report on Form 10-K is qualified in its entirety by those risk factors.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Summary of Risk Factors</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Interest Rate Risks</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Changes in interest rates could reduce our net interest income and negatively impact the value of our loans, securities, and other assets and have a material adverse effect on our cash flows, financial condition, results of operations, and capital. </span></div><div><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Credit Risks</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our allowance for credit losses might not be sufficient to cover our actual losses, which would adversely impact our financial condition and results of operations. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our concentration in multi-family loans and CRE loans could expose us to increased lending risks and related loan losses.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our New York State multi-family loan portfolio could be adversely impacted by changes in legislation or regulations. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Economic weakness in the New York City metropolitan region could have an adverse impact on our financial condition.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Financial Statements Risks</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our accounting estimates and risk management processes rely on analytical and forecasting models. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Impairment in the carrying value of other intangible assets could negatively impact our financial condition. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We may fail to maintain effective internal controls, which could impact the accuracy and timeliness of financial reporting.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Liquidity and Dividend Risks </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Failure to maintain an adequate level of liquidity could result in an inability to fulfill our financial obligations and also could subject us to material reputational and compliance risk. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Reduction or elimination of our quarterly cash dividend could have an adverse impact on the market price of our stock. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The inability to receive dividends from our subsidiary bank could have a material adverse effect on our financial condition or results of operations, and our ability to maintain or increase the current level of cash dividends we pay to our stockholders. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">If we were to defer payments on our trust preferred capital debt securities or were in default under the related indentures, we would be prohibited from paying dividends or distributions on our common stock. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Dividends on our Series A, B and C Preferred Stock are discretionary and noncumulative, and may not be paid if such payment will result in our failure to comply with all applicable laws and regulations.</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">27</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our Series A, B, and C Preferred Stocks have preferential rights over common stockholders, potentially impacting our liquidity and financial condition.</span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Legal/Compliance Risks</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Inability to fulfill minimum capital requirements could limit our ability to conduct or expand our business, pay a dividend, or result in termination of our FDIC deposit insurance, and thus impact our financial condition, our results of operations, and the market value of our stock. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our results of operations could be materially affected by restrictions on our operations imposed by bank regulators, changes in bank regulation, or by our ability to comply with certain existing laws, rules, and regulations governing our industry. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"> </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a Category IV banking organization, we are subject to stringent regulations, including reporting, capital stress testing, and liquidity risk management and non-compliance could result in regulatory risks and restrictions on our activities.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Noncompliance with the Bank Secrecy Act and anti-money laundering statutes/regulations could result in material financial loss. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Failure to comply with OFAC regulations could result in legal and reputational risks.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our enterprise risk management framework may not be effective in mitigating the risks to which we are subject. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">If tax authorities determine that we did not adequately provide for our taxes, our income tax expense could be increased. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We are subject to numerous consumer protection laws, and failure to comply with these laws could lead to sanctions.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Legislative and regulatory focus on data privacy and risks can subject us to heightened scrutiny and reputational damage.</span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Financial and Market Risks</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Declines in economic conditions could adversely affect the values of loans we originate and securities in which we invest.</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Rising mortgage rates and adverse changes in mortgage market conditions could reduce mortgage revenue.</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We are highly dependent on the Agencies to buy mortgage loans that we originate, and changes in these entities or in the manner or volume of loans they purchase or their current roles could adversely affect our business and financial condition.</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Changes in the servicing, origination, or underwriting guidelines or criteria required by the Agencies could adversely affect our business, financial condition and results of operations.</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Future sales or issuances of our common stock or other securities (including warrants) or the issuance of securities pursuant to the exercise of warrants issued by us may dilute existing holders of our common stock and other securities, decrease the value of our common stock and other securities and adversely affect the market price of our common stock and other securities.</span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Strategic Risks</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Extensive competition for loans and deposits could adversely affect the expansion of our business and our financial condition. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Limitations on our ability to grow our loan portfolios could adversely affect our ability to generate interest income. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The inability to engage in merger transactions, or to realize the anticipated benefits of acquisitions in which we might engage, could adversely affect our ability to compete with other financial institutions and weaken our financial performance. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We may be exposed to challenges in combining the operations of acquired or merged businesses, including our recent Flagstar acquisition and Signature acquisition, into our operations, which may prevent us from achieving the expected benefits from our merger and acquisition activities.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The success of the Signature transaction will depend on a number of uncertain factors, including our decisions regarding the fair value of the assets acquired and the bargain purchase gain recorded on the transaction, which could materially and adversely affect our financial condition, results of operations and future prospects.</span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Operational Risks</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our stress testing processes rely on analytical and forecasting models that may prove to be inadequate or inaccurate, which could adversely affect the effectiveness of our strategic planning and our ability to pursue certain corporate goals.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The Company, entities that we have acquired, and certain of our service providers have experienced information technology security breaches and may be vulnerable to future security breaches, which have resulted in, and could result in, additional expenses, exposure to civil litigation, increased regulatory scrutiny, losses, and a loss of customers.</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">28</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We rely on third parties to perform certain key business functions, which may expose us to further operational risk.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Failure to keep pace with technological changes could have a material adverse impact on our ability to compete for loans and deposits, and therefore on our financial condition and results of operations. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The inability to attract and retain key personnel could adversely impact our operations.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">The transition to a new Chief Executive Officer will be critical to our success and our business may be adversely impacted if we do not successfully manage the transition process in a timely manner.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our operations are dependent upon the soundness of other financial intermediaries and thus could expose us to systemic risk.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We may be terminated as a servicer or subservicer or incur costs or liabilities if we do not satisfy servicing obligations.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We may be required to repurchase mortgage loans, pay fees or indemnify buyers against losses.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We utilize third-party mortgage originators which subjects us to strategic, reputation, compliance and operational risk.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We are subject to various legal or regulatory investigations and proceedings.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We may be required to pay interest on mortgage escrow accounts under state law despite Federal preemption.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">We could be exposed to fraud risks that affect our operations and reputation.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Reputational Risk</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Damage to our reputation could significantly harm the business we engage in, our competitive position and growth prospects. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Increasing scrutiny from customers, regulators, investors, and other stakeholders with respect to our environmental, social, and governance practices may impose additional costs on us or expose us to new or additional risks.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Interest Rate Risks </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Changes in interest rates could reduce our net interest income and negatively impact the value of our loans, securities, and other assets. This could have a material adverse effect on our cash flows, financial condition, results of operations, and capital. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The cost of our deposits and short-term wholesale borrowings is largely based on short-term interest rates, the level of which is driven by the FOMC of the FRB. However, the yields generated by our loans and securities are typically driven by intermediate-term interest rates, which are set by the bond market and generally vary from day to day. The level of our net interest income is therefore influenced by movements in such interest rates, and the pace at which such movements occur. If the interest rates on our interest-bearing liabilities increase at a faster pace than the interest rates on our interest-earning assets, the result could be a reduction in net interest income and, with it, a reduction in our earnings. Our net interest income and earnings would be similarly impacted were the interest rates on our interest-earning assets to decline more quickly than the interest rates on our interest-bearing liabilities. In addition, such changes in interest rates could affect our ability to originate loans and attract and retain deposits; the fair values of our securities and other financial assets; the fair values of our liabilities; and the average lives of our loan and securities portfolios. Changes in interest rates also could have an effect on loan refinancing activity, which, in turn, would impact the amount of prepayment income we receive on our multi-family and CRE loans. Because prepayment income is recorded as interest income, the extent to which it increases or decreases during any given period could have a significant impact on the level of net interest income and net income we generate during that time. Also, changes in interest rates could have an effect on the slope of the yield curve. If the yield curve were to invert or become flat, our net interest income and net interest margin could contract, adversely affecting our net income and cash flows, and the value of our assets. Moreover, higher inflation could lead to fluctuations in the value of our assets and liabilities and off-balance sheet exposures, and could result in lower equity market valuations of financial services companies.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Credit Risk</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our allowance for credit losses might not be sufficient to cover our actual losses, which would adversely impact our financial condition and results of operations. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to mitigating credit risk through our underwriting processes, we attempt to mitigate such risk through the establishment of an allowance for credit losses. The process of determining whether or not the allowance is sufficient to cover potential credit losses is based on the current expected credit loss model or CECL. This methodology is described in detail under &#8220;Critical Accounting Estimates&#8221; in Item 7, &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221; in this report. CECL may result in greater volatility in the level of the ACL, depending on various assumptions and factors used in this model. If the judgments and assumptions we make with regard to the allowance are incorrect, our allowance for losses on such loans might not be sufficient, and an additional provision for credit losses might need to be made. Depending on the amount of such loan loss provisions, the adverse impact on our earnings could be material. In addition, </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">29</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">growth in our loan portfolio may require us to increase the allowance for credit losses on such loans by making additional provisions, which would reduce our net income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, bank regulators have the authority to require us to make provisions for credit losses or otherwise recognize loan charge-offs following their periodic review of our loan portfolio, our underwriting procedures, and our allowance for losses on such loans. Any increase in the loan loss allowance or in loan charge-offs as required by such regulatory authorities could have a material adverse effect on our financial condition and results of operations.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our concentration in multi-family loans and CRE loans could expose us to increased lending risks and related loan losses.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, $37.3&#160;billion or 44.0 percent of our total loans and leases, held for investment portfolio consisted of multi-family loans and $10.5&#160;billion or 12.4 percent consisted of CRE loans. These types of loans generally expose a lender to greater risk of non-payment and loss than one-to-four family residential mortgage loans because repayment of the loans often depends on the successful operation of the properties and the sale of such properties securing the loans. Such loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to one-to-four family residential loans. Also, many of our borrowers have more than one of these types of loans outstanding. Consequently, an adverse development with respect to one loan or one credit relationship can expose us to a significantly greater risk of loss compared to an adverse development with respect to a one-to-four family residential real estate loan. In addition, if loans that are collateralized by real estate become troubled and the value of the real estate has been significantly impaired, then we may not be able to recover the full contractual amount of principal and interest that we anticipated at the time we originated the loan, which could cause us to increase our provision for loan losses and adversely affect our operating results and financial condition.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CRE loans we make are secured by income-producing properties such as office buildings, retail centers, mixed-use buildings, and multi-tenanted light industrial properties. At December&#160;31, 2023</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, $3.4 billion, or 32.1 percent of ou</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">r commercial real estate loan portfolio was secured by office buildings. We may incur future losses on commercial real estate loans due to declines in occupancy rates and rental rates in office buildings, which could occur as a result of less need for office space due to more people working from home or other factors. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our New York State multi-family loan portfolio could be adversely impacted by changes in legislation or regulation which, in turn, could have a material adverse effect on our financial condition and results of operations. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On June 14, 2019, the New York State legislature passed the New York Housing Stability and Tenant Protection Act of 2019. This legislation represents the most extensive reform of New York State&#8217;s rent laws in several decades and generally limits a landlord&#8217;s ability to increase rents on rent regulated apartments and makes it more difficult to convert rent regulated apartments to market rate apartments. As a result, the value of the collateral located in New York State securing the Company&#8217;s multi-family loans or the future net operating income of such properties could potentially become impaired which, in turn, could have a material adverse effect on our financial condition and results of operations.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Economic weakness in the New York City metropolitan region, where the majority of the properties collateralizing our multi-family, CRE, and ADC loans, and the majority of the businesses collateralizing our other C&amp;I loans, are located could have an adverse impact on our financial condition and results of operations. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our business depends significantly on general economic conditions in the New York City metropolitan region, where the majority of the buildings and properties securing the multi-family, CRE, and ADC loans we originate for investment and the businesses of the customers to whom we make our other C&amp;I loans are located. Accordingly, the ability of our borrowers to repay their loans, and the value of the collateral securing such loans, may be significantly affected by economic conditions in this region, including changes in the local real estate market. A significant decline in general economic conditions caused by inflation, recession, unemployment, acts of terrorism, extreme weather, or other factors beyond our control, could therefore have an adverse effect on our financial condition and results of operations. In addition, because multi-family and CRE loans represent the majority of the loans in our portfolio, a decline in tenant occupancy or rents, due to such factors, or for other reasons, such as new legislation, could adversely impact the ability of our borrowers to repay their loans on a timely basis, which could have a negative impact on our net income. Furthermore, economic or market turmoil could occur in the near or long term. This could negatively affect our business, our financial condition, and our results of operations, as well as our ability to maintain the level of cash dividends we currently pay to our stockholders.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">30</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Financial Statements Risk </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our accounting estimates and risk management processes rely on analytical and forecasting models. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The processes we use to estimate expected losses and to measure the fair value of financial instruments, as well as the processes used to estimate the effects of changing interest rates and other market measures on our financial condition and results of operations, depends upon the use of analytical and forecasting models. These models reflect assumptions that may not be accurate, particularly in times of market stress or other unforeseen circumstances. Even if these assumptions are adequate, the models may prove to be inadequate or inaccurate because of other flaws in their design or their implementation. If the models that we use for interest rate risk and asset-liability management are inadequate, we may incur increased or unexpected losses upon changes in market interest rates or other market measures. If the models that we use for determining our expected losses are inadequate, the allowance for loan losses may not be sufficient to support future charge-offs. If the models that we use to measure the fair value of financial instruments are inadequate, the fair value of such financial instruments may fluctuate unexpectedly or may not accurately reflect what we could realize upon sale or settlement of such financial instruments. Any such failure in our analytical or forecasting models could have a material adverse effect on our business, financial condition and results of operations. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Impairment in the carrying value of other intangible assets could negatively impact our financial condition and results of operations. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, other intangible assets, primarily core deposit intangibles, totaled $625&#160;million. We review our other intangible assets for impairment at least annually or more frequently if events or changes in circumstances indicate that the carrying value may not be recoverable. A significant decline in deposits may necessitate taking additional charges in the future related to the impairment of other intangible assets. The amount of any impairment charge could be significant and could have a material adverse impact on our financial condition and results of operations.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We may fail to maintain effective internal controls, which could impact the accuracy and timeliness of financial reporting.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We recognize the critical importance of maintaining effective internal controls over financial reporting to ensure accurate and timely financial reporting, prevent fraud, and maintain investor confidence. We have implemented a system of internal controls that is regularly reviewed and updated. However, there is a risk that we may fail to maintain an effective system of internal controls, which could impair our ability to report financial results accurately and in a timely manner. These risks include human error, misconduct, inadequate processes, fraud, data breaches, and non-compliance with laws and regulations. We also acknowledge the challenges posed by changes in processes, procedures, technologies, employee turnover, and labor shortages. We have identified certain material weaknesses described in Item 9A of this Annual Report on Form 10-K and may discover additional future material weaknesses or significant deficiencies, which could divert management attention and increase our expenses, in order to correct the weaknesses or deficiencies in our controls. A "material weakness" is a deficiency, or a combination of deficiencies, in internal controls over financial reporting such that there is a reasonable possibility that a material misstatement of our annual or interim financial statements would not be prevented or detected on a timely basis. Control weaknesses or failures could result in financial losses, reputational harm, loss of investor confidence, regulatory actions, and limitations on our business activities.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Liquidity and Dividend Risks</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Failure to maintain an adequate level of liquidity could result in an inability to fulfill our financial obligations and also could subject us to material reputational and compliance risk. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our primary sources of liquidity are the retail and institutional deposits we gather or acquire in connection with acquisitions, and the brokered deposits we accept; borrowed funds, primarily in the form of wholesale borrowings from the FHLB-NY and various Wall Street brokerage firms; cash flows generated through the repayment and sale of loans; and cash flows generated through the repayment and sale of securities. In addition, and depending on current market conditions, we have the ability to access the capital markets from time to time to generate additional liquidity. Deposit flows, calls of investment securities and wholesale borrowings, and the prepayment of loans and mortgage-related securities are strongly influenced by such external factors as the direction of interest rates, whether actual or perceived; local and national economic conditions; and competition for deposits and loans in the markets we serve. Deposit outflows can occur for a number of reasons, including clients seeking higher yields, clients with uninsured deposits may seek greater financial security or clients may simply prefer to do business with our competitors, or for other reasons. The withdrawal of more deposits than we anticipate could have an adverse impact on our profitability as this source of funding, if not replaced by similar deposit funding, would need to be </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">31</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">replaced with more expensive wholesale funding, the sale of interest-earning assets, other sources of funding, or a combination of them all. The replacement of deposit funding with wholesale funding could cause our overall cost of funds to increase, which would reduce our net interest income and results of operations. A decline in interest-earning assets would also lower our net interest income and results of operations. As of December&#160;31, 2023, approximately 35.9 percent of our total deposits of $81.5&#160;billion were not FDIC-insured.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, large-scale withdrawals of brokered or institutional deposits could require us to pay significantly higher interest rates on our retail deposits or on other wholesale funding sources, which would have an adverse impact on our net interest income and net income. Furthermore, changes to the FHLB-NY&#8217;s underwriting guidelines for wholesale borrowings or lending policies may limit or restrict our ability to borrow, and therefore could have a significant adverse impact on our liquidity. A decline in available funding could adversely impact our ability to originate loans, invest in securities, and meet our expenses, or to fulfill such obligations as repaying our borrowings or meeting deposit withdrawal demands. Downgrades of the credit ratings of the Company and the Bank, such as those announced by certain credit rating agencies in both February and March 2024, could result in an acceleration in deposit outflows and additional collateral needs, which this far have been modest. They could adversely affect our access to liquidity and capital, and could significantly increase our cost of funds, trigger additional collateral or funding requirements, and decrease the number of investors and counterparties willing to lend to us or to purchase our securities. This could affect our growth, profitability, and financial condition, including our liquidity.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Reduction or elimination of our quarterly cash dividend could have an adverse impact on the market price of our common stock. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The holders of our common stock are only entitled to receive such dividends as our Board of Directors may declare out of funds available for such payments under applicable law and regulatory guidance, and, although we have historically declared cash dividends on our common stock, we are not required to do so. Furthermore, the payment of dividends falls under federal regulations that have grown more stringent in recent years. While we pay our quarterly cash dividend in compliance with current regulations, such regulations could change in the future. As a result of our acquisitions of Flagstar and Signature, we are required to seek regulatory approval from the OCC for the payment of any dividend to the Parent Company through at least the period ending November 1, 2024, which could restrict our ability to pay the common stock dividend. In the Company&#8217;s January 31, 2024 earnings release for the fourth quarter and year ended December&#160;31, 2023, the Company announced that its Board of Directors reduced the Company&#8217;s quarterly cash dividend to $0.05 per common share to accelerate the building of capital to support our balance sheet as a Category IV banking organization.  Following the issuance of that earnings release, the market price of our common stock experienced a decline. On March 7, 2024, the Company announced that future quarterly cash dividends on shares of the Company's common stock would be further reduced to $0.01 per share. Any further reduction or elimination of our common stock dividend in the future due to actions to build capital or the inability to receive required regulatory approvals, or for any other reason, could adversely affect the market price of our common stock. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The inability to receive dividends from our subsidiary bank could have a material adverse effect on our financial condition or results of operations, as well as our ability to maintain or increase the current level of cash dividends we pay to our stockholders. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Parent Company (i.e., the company on an unconsolidated basis) is a separate and distinct legal entity from the Bank, and a substantial portion of the revenues the Parent Company receives consists of dividends from the Bank. These dividends are the primary funding source for the dividends we pay on our common stock and the interest and principal payments on our debt. Various federal and state laws and regulations limit the amount of dividends that a bank may pay to its parent company. In addition, our right to participate in a distribution of assets upon the liquidation or reorganization of a subsidiary may be subject to the prior claims of the subsidiary&#8217;s creditors. As a result of our acquisitions of Flagstar and Signature, we are required to seek regulatory approval from the OCC for the payment of any dividend to the Bancorp through at least the period ending November 1, 2024. If the Bank is unable to pay dividends to the Parent Company, we might not be able to service our debt, pay our obligations, or pay dividends on our common stock. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">If we were to defer payments on our trust preferred capital debt securities or were in default under the related indentures, we would be prohibited from paying dividends or distributions on our common stock. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The terms of our outstanding trust preferred capital debt securities prohibit us from (1) declaring or paying any dividends or distributions on our capital stock, including our common stock; or (2) purchasing, acquiring, or making a liquidation payment on such stock, under the following circumstances: (a) if an event of default has occurred and is continuing under the applicable indenture; (b) if we are in default with respect to a payment under the guarantee of the related trust preferred securities; or (c) if we have given notice of our election to defer interest payments but the related deferral period has not yet </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">32</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">commenced, or a deferral period is continuing. In addition, without notice to, or consent from, the holders of our common stock, we may issue additional series of trust preferred capital debt securities with similar terms, or enter into other financing agreements, that limit our ability to pay dividends on our common stock. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Dividends on our Series A Preferred Stock, Series B Preferred Stock and Series C Preferred Stock are discretionary and noncumulative, and may not be paid if such payment will result in our failure to comply with all applicable laws and regulations.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Dividends on our Series A Preferred Stock, Series B Preferred Stock and Series C Preferred Stock are discretionary and noncumulative. If our Board of Directors (or any duly authorized committee of the Board) does not authorize and declare a dividend on (a) the Series A Preferred Stock for any dividend period, holders of the depository shares will not be entitled to receive any dividend for that dividend period, and the unpaid dividend will cease to accrue and be payable, or (b)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Series B Preferred Stock and Series C Preferred Stock, the holders thereof will not be entitled to receive any dividend for that dividend period. For our Series A Preferred Stock, we have no obligation to pay dividends accrued for a dividend period after the dividend payment date for that period if our Board of Directors (or any duly authorized committee thereof) has not declared a dividend before the related dividend payment date, whether or not dividends on the Series A Preferred Stock or any other series of our preferred stock or our common stock are declared for any future dividend period. Dividends on our Series B Preferred Stock and Series C Preferred Stock are payable at a rate of 13 percent per annum, payable quarterly and in arrears. Additionally, under the FRB&#8217;s capital rules, dividends on the Series A Preferred Stock, Series B Preferred Stock and Series C Preferred Stock may only be paid out of our net income, retained earnings, or surplus related to other additional tier 1 capital instruments. If the non-payment of dividends on Series A Preferred Stock, Series B Preferred Stock and Series C Preferred Stock for any dividend period would cause the Company to fail to comply with any applicable law or regulation, or any agreement we may enter into with our regulators from time to time, then we would not be able to declare or pay a dividend for such dividend period.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our Series A Preferred Stock, Series B Preferred Stock and Series C Preferred Stock initially have rights, preferences and privileges that are not held by, and are preferential to the rights of, our common stockholders, which could adversely affect our liquidity and financial condition.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The holders of our Series A Preferred Stock, Series B Preferred Stock and Series C Preferred Stock initially have the right to receive a payment on account of the distribution of assets on any voluntary or involuntary liquidation, dissolution or winding up of our business before any payment may be made to holders of our common stock.  Following the satisfaction of the liquidation preference, the Series B Preferred Stock and Series C Preferred Stock participates with our common stock on an as-converted basis in a liquidation, dissolution or winding up of the Company. Our obligations to the holders of our Series A Preferred Stock, Series B Preferred Stock and Series C Preferred Stock could limit our ability to obtain additional financing, which could have an adverse effect on our financial condition. The preferential rights could also result in divergent interests between the holders of our common stock, Series A Preferred Stock, Series B Preferred Stock, Series C Preferred Stock and other classes of securities.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Legal/Compliance Risks </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Inability to fulfill minimum capital requirements could limit our ability to conduct or expand our business, pay a dividend, or result in termination of our FDIC deposit insurance, and thus impact our financial condition, our results of operations, and the market value of our stock. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are subject to the comprehensive, consolidated supervision and regulation set forth by the FRB and the OCC. Such regulation includes, among other matters, the level of leverage and risk-based capital ratios we are required to maintain. Depending on general economic conditions, changes in our capital position could have a materially adverse impact on our financial condition and risk profile, and also could limit our ability to grow through acquisitions or otherwise. Compliance with regulatory capital requirements may limit our ability to engage in operations that require the intensive use of capital and therefore could adversely affect our ability to maintain our current level of business or expand. Furthermore, it is possible that future regulatory changes could result in more stringent capital or liquidity requirements, including increases in the levels of regulatory capital we are required to maintain and changes in the way capital or liquidity is measured for regulatory purposes, either of which could adversely affect our business and our ability to expand. For example, federal banking regulations adopted under Basel III standards require bank holding companies and banks to undertake significant activities to demonstrate compliance with higher capital requirements. Any additional requirements to increase our capital ratios or liquidity could necessitate our liquidating certain assets, perhaps on terms that are unfavorable to us or that are contrary to our business plans. In addition, such requirements could also compel us to issue additional securities, thus diluting the value of our common stock. In addition, failure to meet established capital requirements could result in the FRB and/or OCC placing limitations or </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">33</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">conditions on our activities and further restricting the commencement of new activities. The failure to meet applicable capital guidelines could subject us to a variety of enforcement remedies available to the federal regulatory authorities, including limiting our ability to pay dividends; issuing a directive to increase our capital; and terminating our FDIC deposit insurance.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our results of operations could be materially affected by the imposition of restrictions on our operations by bank regulators, further changes in bank regulation, or by our ability to comply with certain existing laws, rules, and regulations governing our industry. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are subject to regulation, supervision, and examination by the following entities: (1) the OCC; (2) the FDIC; (3) the FRB-NY; and (4) the CFPB, as well as state licensing restrictions and limitations regarding certain consumer finance products.  Such regulation and supervision govern the activities in which a bank holding company and its banking subsidiaries may engage, and are intended primarily for the protection of the DIF, the banking system in general, and bank customers, rather than for the benefit of a company&#8217;s stockholders. These regulatory authorities have extensive discretion in connection with their supervisory and enforcement activities, including with respect to the imposition of restrictions on the operation of a bank or a bank holding company, the imposition of significant fines, the ability to delay or deny merger or other regulatory applications, the payment of dividends, the classification of assets by a bank, and the adequacy of a bank&#8217;s allowance for loan losses, among other matters. Failure to comply (or to ensure that our agents and third-party service providers comply) with laws, regulations, or policies, including our failure to obtain any necessary state or local licenses, could result in enforcement actions or sanctions by regulatory agencies, civil money penalties, and/or reputational damage, which could have a material adverse effect on our business, financial condition, or results of operations. Penalties for such violations may also include: revocation of licenses; fines and other monetary penalties; civil and criminal liability; substantially reduced payments by borrowers; modification of the original terms of loans, permanent forgiveness of debt, or inability to, directly or indirectly, collect all or a part of the principal of or interest on loans provided by the Bank. Changes in such regulation and supervision, or changes in regulation or enforcement by such authorities, whether in the form of policy, regulations, legislation, rules, orders, enforcement actions, ratings, or decisions, could have a material impact on the Company, our subsidiary bank and other affiliates, and our operations. In addition, failure of the Company or the Bank to comply with such regulations could have a material adverse effect on our earnings and capital. See &#8220;Regulation and Supervision&#8221; in Part I, Item 1, &#8220;Business&#8221; earlier in this filing for a detailed description of the federal, state, and local regulations to which the Company and the Bank are subject.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> As a Category IV banking organization with over $100 billion in assets, we are subject to stringent regulations, including reporting, capital stress testing, and liquidity risk management. Non-compliance could result in regulatory risks and restrictions on our activities.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the Signature transaction, our total assets exceeded $100 billion and therefore we became classified as a Category IV banking organization under the rules issued by the federal banking agencies that tailor the application of enhanced prudential standards to large bank holding companies and the capital and liquidity rules to large bank holding companies and depository institutions under the Dodd-Frank Act and the Economic Growth, Regulatory Relief, and Consumer Protection Act. As a Category IV banking organization we are subject to enhanced liquidity risk management requirements which include reporting, liquidity stress testing, a liquidity buffer and resolution planning, subject to the applicable transition periods. If we were to meet or exceed certain other thresholds for asset size, we would become subject to additional requirements. Failure to meet these requirements could expose us to compliance risks, higher penalties, increased expectations, and limitations on our activities. As a Category IV banking organization, we are required to implement and maintain an adequate liquidity risk management and monitoring process to ensure compliance with these requirements, and our failure to ensure compliance may have adverse consequences on our operations, reputation and future profitability. We anticipate incurring significant expenses to develop policies, programs, and systems that comply with the enhanced standards applicable to us.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Noncompliance with the Bank Secrecy Act and other anti-money laundering statutes and regulations could result in material financial loss. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The BSA and the USA Patriot Act contain anti-money laundering and financial transparency provisions intended to detect and prevent the use of the U.S. financial system for money laundering and terrorist financing activities. The BSA, as amended by the USA Patriot Act, requires depository institutions to undertake activities including maintaining an anti-money laundering program, verifying the identity of clients, monitoring for and reporting suspicious transactions, reporting on cash transactions above a certain threshold, and responding to requests for information by regulatory authorities and law enforcement agencies. FINCEN, a unit of the U.S. Treasury Department that administers the BSA, is authorized to impose significant civil monetary penalties for violations of these requirements. If our BSA policies, procedures and systems are deemed to be deficient, or the BSA policies, procedures and systems of the financial institutions that we acquire in the future are deficient, we would be subject to reputational risk and potential liability, including fines and regulatory actions such as restrictions on our ability to pay </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">34</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">dividends and the necessity to obtain regulatory approvals to proceed with certain aspects of our business plan, including our acquisition plans, which would negatively impact our business, financial condition and results of operations. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Failure to comply with OFAC regulations could result in legal and reputational risks.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The United States has imposed economic sanctions that affect transactions with designated foreign countries, foreign nationals, and other potentially exposed persons.  These are typically referred to as the "OFAC" rules, given their administration by the United States Treasury Department Office of Foreign Assets Control.  Failure to comply with these sanctions could have serious legal and reputational consequences.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our enterprise risk management framework may not be effective in mitigating the risks to which we are subject, based upon the size, scope, and complexity of the Company. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a financial institution, we are subject to a number of risks, including interest rate, credit, liquidity, legal/compliance, market, strategic, operational, and reputational. Our ERM framework is designed to minimize the risks to which we are subject, as well as any losses stemming from such risks. Although we seek to identify, measure, monitor, report, and control our exposure to such risks, and employ a broad and diverse set of risk monitoring and mitigation techniques in the process, those techniques are inherently limited because they cannot anticipate the existence or development of risks that are currently unknown and unanticipated. For example, economic and market conditions, heightened legislative and regulatory scrutiny of the financial services industry, and increases in the overall complexity of our operations, among other developments, have resulted in the creation of a variety of risks that were previously unknown and unanticipated, highlighting the intrinsic limitations of our risk monitoring and mitigation techniques. As a result, the further development of previously unknown or unanticipated risks may result in our incurring losses in the future that could adversely impact our financial condition and results of operations. Furthermore, an ineffective ERM framework, as well as other risk factors, could result in a material increase in our FDIC insurance premiums. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">If federal, state, or local tax authorities were to determine that we did not adequately provide for our taxes, our income tax expense could be increased, adversely affecting our earnings. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The amount of income taxes we are required to pay on our earnings is based on federal, state, and local legislation and regulations. We provide for current and deferred taxes in our financial statements, based on our results of operations, business activity, legal structure, interpretation of tax statutes, assessment of risk of adjustment upon audit, and application of financial accounting standards. We may take tax return filing positions for which the final determination of tax is uncertain, and our net income and earnings per share could be reduced if a federal, state, or local authority were to assess additional taxes that have not been provided for in our consolidated financial statements. In addition, there can be no assurance that we will achieve our anticipated effective tax rate. Unanticipated changes in tax laws or related regulatory or judicial guidance, or an audit assessment that denies previously recognized tax benefits, could result in our recording tax expenses that materially reduce our net income.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We are subject to numerous laws designed to protect consumers, including the Community Reinvestment Act and  fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CRA requires the Federal Reserve and OCC to assess our performance in meeting the credit needs of the communities we serve, including low- and moderate-income neighborhoods. If the Federal Reserve or OCC determines that we need to improve our performance or are in substantial non-compliance with CRA requirements, various adverse regulatory consequences may ensue. In addition, the Equal Credit Opportunity Act, the Fair Housing Act and other fair lending laws and regulations impose nondiscriminatory lending requirements on financial institutions. The CFPB, the U.S. Department of Justice and other federal agencies are responsible for enforcing these laws and regulations. The CFPB is also authorized to prescribe rules applicable to any covered person or service provider, identifying and prohibiting acts or practices that are &#8220;unfair, deceptive, or abusive&#8221; in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service.  A successful regulatory challenge to an institution&#8217;s performance under the CRA, fair lending laws or regulations, or consumer lending laws and regulations could result in a wide variety of sanctions, including damages and civil money penalties, injunctive relief, restrictions on mergers and acquisitions activity, restrictions on expansion, and restrictions on entering new business lines. Private parties may also have the ability to challenge an institution&#8217;s performance under fair lending laws in private class action litigation. Such actions could have a material adverse effect on our business, financial condition and results of operations. Additionally, state attorneys general have indicated that they intend to take a more active role in enforcing consumer protection laws, including through use of Dodd-Frank Act provisions that authorize state attorneys general to enforce certain provisions of federal consumer financial laws and obtain civil money </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">35</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">penalties and other relief available to the CFPB. If we become subject to such investigation, the required response could result in substantial costs and a diversion of the attention and resources of our management.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Legislative and regulatory focus on data privacy and risks can subject us to heightened scrutiny and reputational damage.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Data privacy and cybersecurity risks have become a subject of heightened legislative and regulatory focus in recent years. Federal bank regulatory agencies have proposed regulations to enhance cyber risk management standards, which would apply to us and our third-party service providers. These regulations focus on areas such as cyber risk governance, management of dependencies, incident response, cyber resilience, and situational awareness. State-level legislation and regulations have also been proposed or adopted, requiring notification to individuals in the event of a security breach of their personal data. Examples include the California Consumer Privacy Act (CCPA) and other state-level privacy, data protection, and data security laws and regulations. We collect, maintain, and use non-public personal information of our customers, clients, employees, and others. The sharing, use, disclosure, and protection of this information are governed by federal and state laws. Compliance with these laws is essential to protect the privacy of personal information and avoid potential liability and reputational damage. Failure to comply with privacy laws and regulations may expose us to fines, litigation, or regulatory enforcement actions. It may also require changes to our systems, business practices, or privacy policies, which could adversely impact our operating results. Privacy initiatives have imposed and will continue to impose additional operational burdens on us. These initiatives may limit our ability to pursue desirable business initiatives and increase the risks associated with any future use of personal data. New privacy and data protection initiatives, such as the CCPA, may require changes to policies, procedures, and technology for information security and data segregation. Non-compliance with these initiatives may make us more vulnerable to operational failures and subject to monetary penalties, litigation, or regulatory enforcement actions.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Financial and Market Risks </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">A decline in economic conditions could adversely affect the value of the loans we originate and the securities in which we invest. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Declines in real estate values and an increase in the financial stress on borrowers stemming from high unemployment or other adverse economic conditions, could negatively affect our borrowers and, in turn, the repayment of the loans in our portfolio. Deterioration in economic conditions also could subject us and our industry to increased regulatory scrutiny, and could result in an increase in loan delinquencies, an increase in problem assets and foreclosures, and a decline in the value of the collateral for our loans, which could reduce our customers&#8217; borrowing power. Deterioration in local economic conditions could drive the level of loan losses beyond the level we have provided for in our loan loss allowance; this, in turn, could necessitate an increase in our provisions for loan losses, which would reduce our earnings and capital. Furthermore, declines in the value of our investment securities could result in our having to record losses based on the other-than-temporary impairment of securities, which would reduce our earnings and also could reduce our capital. In addition, continued economic weakness could reduce the demand for our products and services, which would adversely impact our liquidity and the revenues we produce.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Rising mortgage rates and adverse changes in mortgage market conditions could reduce mortgage revenue.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The residential real estate mortgage lending business is sensitive to changes in interest rates, especially long-term interest rates. Lower interest rates generally increase the volume of mortgage originations, while higher interest rates generally cause that volume to decrease. Therefore, our mortgage performance is typically correlated to fluctuations in interest rates, primarily the 10-year U.S. Treasury rate. Historically, mortgage origination volume and sales for the Bank and for other financial institutions have risen and fallen in response to these and other factors. An increase in interest rates and/or a decrease in our mortgage production volume could have a materially adverse effect on our operating results. </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The 10-year U.S. Treasury rate was 3.97 percent at </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and averaged </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2.96 percent</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> during </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2023, 101 basis points higher</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> than average rates experienced during </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The sustained higher rates experienced throughout </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2023</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> negatively impacted the mortgage market including our loan origination volume and refinancing activity.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  In addition to being affected by interest rates, the secondary mortgage markets are also subject to investor demand for residential mortgage loans and investor yield requirements for these loans. These conditions may fluctuate or worsen in the future. Adverse market conditions, including increased volatility, changes in interest rates and mortgage spreads and reduced market demand, could result in greater risk in retaining mortgage loans pending their sale to investors. A prolonged period of secondary market illiquidity may result in a reduction of our loan mortgage production volume and could have a materially adverse effect on our financial condition and results of operations.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our mortgage origination business is also subject to the cyclical and seasonal trends of the real estate market. The cyclical nature of our industry could lead to periods of growth in the mortgage and real estate markets followed by periods of declines </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">36</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">and losses in such markets. Seasonal trends have historically reflected the general patterns of residential and commercial real estate sales, which typically peak in the spring and summer seasons. One of the primary influences on our mortgage business is the aggregate demand for mortgage loans, which is affected by prevailing interest rates, housing supply and demand, residential construction trends, and overall economic conditions. If we are unable to respond to the cyclical nature of our industry by appropriately adjusting our operations or relying on the strength of our other product offerings during cyclical downturns, our business, financial condition, and results of operations could be adversely affected. Additionally, the fair value of our MSRs is highly sensitive to changes in interest rates and changes in market implied interest rate volatility. Decreases in interest rates can trigger an increase in actual repayments and market expectation for higher levels of repayments in the future which have a negative impact on MSR fair value. Conversely, higher rates typically drive lower repayments which results in an increase in the MSR fair value. We utilize derivatives to manage the impact of changes in the fair value of the MSRs. We may have basis risk and our risk management strategies, which rely on assumptions or projections, may not adequately mitigate the impact of changes in interest rates, interest rate volatility, convexity, credit spreads, or prepayment speeds, and, as a result, the change in the fair value of MSRs may negatively impact earnings.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We are highly dependent on the Agencies to buy mortgage loans that we originate. Changes in these entities and changes in the manner or volume of loans they purchase or their current roles could adversely affect our business, financial condition and results of operations.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We generate mortgage revenues primarily from gains on the sale of single-family residential loans pursuant to programs currently offered by Fannie Mae, Freddie Mac, Ginnie Mae and other investors. These entities account for a substantial portion of the secondary market in residential mortgage loans. Any future changes in these programs, our eligibility to participate in such programs, their concentration limits with respect to loans purchased from us, the criteria for loans to be accepted or laws that significantly affect the activity of such entities could, in turn, result in a lower volume of corresponding loan originations or other administrative costs which may have a materially adverse effect on our results of operations or could cause us to take other actions that would be materially detrimental. Fannie Mae and Freddie Mac remain in conservatorship and a path forward for them to emerge from conservatorship is unclear. Their roles could be reduced, modified or eliminated as a result of regulatory actions and the nature of their guarantees could be limited or eliminated relative to historical measurements. The elimination or modification of the traditional roles of Fannie Mae or Freddie Mac could create additional competition in the market and significantly and adversely affect our business, financial condition and results of operations.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Changes in the servicing, origination, or underwriting guidelines or criteria required by the Agencies could adversely affect our business, financial condition and results of operations.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We are required to follow specific guidelines or criteria that impact the way we originate, underwrite or service loans. Guidelines include credit standards for mortgage loans, our staffing levels and other servicing practices, the servicing and ancillary fees that we may charge, modification standards and procedures, and the amount of non-reimbursable advances. We cannot negotiate these terms, which are subject to change at any time, with the Agencies. A significant change in these guidelines, which decreases the fees we charge or requires us to expend additional resources in providing mortgage services, could decrease our revenues or increase our costs, adversely affecting our business, financial condition, and results of operations. In addition, changes in the nature or extent of the guarantees provided by Fannie Mae and Freddie Mac or the insurance provided by the FHA could also have broad adverse market implications. The fees that we are required to pay to the Agencies for these guarantees have changed significantly over time and any future increases in these fees would adversely affect our business, financial condition and results of operations.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Future sales or issuances of our common stock or other securities (including warrants) or the issuance of securities pursuant to the exercise of warrants issued by us may dilute existing holders of our common stock and other securities, decrease the value of our common stock and other securities and adversely affect the market price of our common stock and other securities.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the fourth quarter of 2023, the Company took decisive actions to build capital, reinforce our balance sheet, strengthen our risk management processes, and better align the Company with relevant bank peers. We significantly built our reserve levels by recording a $552&#160;million provision for loan losses, bringing our allowance for credit losses to $992&#160;million at December&#160;31, 2023, reflecting our actions to build reserves during the quarter to address weakness in the office sector, potential repricing risk in the multi-family portfolio and an increase in classified assets, which better aligns the Company with its relevant bank peers, including Category IV banks. We are also subject to regulatory capital requirements and regulatory changes could result in more stringent capital or liquidity requirements, including increases in the levels of regulatory capital we are required to maintain and changes in the way capital or liquidity is measured for regulatory purposes. Accordingly, we may seek to raise additional capital, including by pursuing or effecting additional issuances of our securities.  Our ability to </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">37</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">raise additional capital (and the associated terms) depends on conditions in the capital markets, economic conditions, and a number of other factors, including investor perceptions regarding the financial services and banking industry, market conditions and governmental activities, and on our financial condition and performance.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 11, 2024, we completed an approximately $1.05 billion equity investment in the Company in connection with which we sold and issued (a) 76,630,965 shares of our common stock, at a purchase price per share of $2.00, (b) 192,062 shares of a new series of our preferred stock, par value $0.01 per share, designated as Series B Noncumulative Convertible Preferred Stock, at a price per share of $2,000, each share of which is convertible into 1,000 shares of common stock, (c) 256,307 shares of a new series of our preferred stock, par value $0.01 per share, designated as Series C Noncumulative Convertible Preferred Stock, at a price per share of $2,000, each share of which is convertible into 1,000 shares of common stock, and (d) warrants, which may not be exercised until 180 days after issuance thereof, affording the holder thereof the right, until the seven-year anniversary of the issuance of such warrant, to purchase for $2,500 per share, shares of a new class of non-voting, common-equivalent preferred stock of the Company, each share of which is convertible into 1,000 shares of common stock, and all of which shares of Series D NVCE Stock, upon issuance, will represent the right (on an as converted basis) to receive 315 million shares of common stock. Additionally, if the Company is not able to obtain certain approvals from our stockholders on or before September 9, 2024, then the Company will be required to issue to the investors in the March 2024 capital raise cash-settled warrants, which would become exercisable 60 days after their issuance if the such stockholder approvals still have not been obtained at such time, that provide the holder thereof the right, until the ten-year anniversary of the issuance of such warrant, to receive from the Company cash in an amount equal to (i) from issuance thereof until (and including) November 5, 2024, 160 percent of such holder&#8217;s investment in the Company in the March 2024 capital raise; (ii) on (and including) November 6, 2024 until (and including) January 4, 2025, 180 percent of such holder&#8217;s investment in the Company in the March 2024 capital raise; (iii) on (and including) January 5, 2025 until (and including) March 5, 2025, 200 percent of such holder&#8217;s investment in the Company in the March 2024 capital raise; and (iv) from and after March 6, 2025, 220 percent of such holder&#8217;s investment in the Company in the March 2024 capital raise, in each case, net of the exercise price (which is the amount of such holder&#8217;s investment in the Company in the March 2024 capital raise).</span></div><div><span><br/></span></div><div style="text-indent:22.3pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Board of Directors has the authority, in many situations, to issue additional shares of authorized but unissued stock (including securities convertible or exchangeable for stock) in public or private offerings without any vote of our shareholders. If, in the future, the Company is required or otherwise determines to raise additional capital (including through the issuance of additional securities), any such capital raise or issuance may dilute the percentage of ownership interest of existing shareholders, may dilute the per share book value of our common stock and may adversely affect the market price of our common stock and other securities.  No assurance can be given that, in the future, the Company will be able to (i) raise any required capital or (ii) raise capital on terms that are beneficial to shareholders.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Strategic Risks </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Extensive competition for loans and deposits could adversely affect our ability to expand our business, as well as our financial condition and results of operations. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because our profitability stems from our ability to attract deposits and originate loans, our continued ability to compete for depositors and borrowers is critical to our success. Our success as a competitor depends on a number of factors, including our ability to develop, maintain, and build long-term relationships with our customers by providing them with convenience, in the form of multiple branch locations, extended hours of service, and access through alternative delivery channels; a broad and diverse selection of products and services; interest rates and service fees that compare favorably with those of our competitors; and skilled and knowledgeable personnel to assist our customers by addressing their financial needs. External factors that may impact our ability to compete include, among others, the entry of new lenders and depository institutions in our current markets and, with regard to lending, an increased focus on multi-family and CRE lending by existing competitors. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Limitations on our ability to grow our loan portfolios could adversely affect our ability to generate interest income, as well our financial condition and results of operations, perhaps materially. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our portfolios of multi-family and CRE loans represent the largest portion of our asset mix (56 percent of total loans held for investment as of December&#160;31, 2023). Our leadership position in these markets has been instrumental to our production of solid earnings and our consistent record of exceptional asset quality. We monitor the ratio of our multi-family, CRE, and ADC loans (as defined in the CRE Guidance) to our total risk-based capital for compliance with regulatory guidance. Any inability to grow our multi-family and CRE loan portfolios, could negatively impact our ability to grow our earnings per share. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">38</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The inability to engage in merger transactions, or to realize the anticipated benefits of acquisitions in which we might engage, could adversely affect our ability to compete with other financial institutions and weaken our financial performance. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ability to engage in future mergers and acquisitions depends on our ability to identify suitable merger partners and acquisition opportunities, our ability to finance and complete negotiated transactions at acceptable prices and on acceptable terms, and our ability to obtain the necessary stockholder and regulatory approvals. If we are unable to engage in or complete a desired acquisition or merger transaction, our financial condition and results of operations could be adversely impacted. As acquisitions have been a significant source of deposits, the inability to complete a business combination could require that we increase the interest rates we pay on deposits in order to attract such funding through our current branch network, or that we increase our use of wholesale funds. Increasing our cost of funds could adversely impact our net interest income and our net income. Furthermore, the absence of acquisitions could impact our ability to fulfill our loan demand. In addition, mergers and acquisitions can lead to uncertainties about the future on the part of customers and employees. Such uncertainties could cause customers and others to consider changing their existing business relationships with the company to be acquired, and could cause its employees to accept positions with other companies before the merger occurs. As a result, the ability of a company to attract and retain customers, and to attract, retain, and motivate key personnel, prior to a merger&#8217;s completion could be impaired. Furthermore, no assurance can be given that acquired operations would not adversely affect our existing profitability; that we would be able to achieve results in the future similar to those achieved by our existing banking business; that we would be able to compete effectively in the market areas served by acquired branches; or that we would be able to manage any growth resulting from a transaction effectively. In particular, our ability to compete effectively in new markets would be dependent on our ability to understand those markets and their competitive dynamics, and our ability to retain certain key employees from the acquired institution who know those markets better than we do. </span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We may be exposed to challenges in combining the operations of acquired or merged businesses, including our recent Flagstar acquisition and Signature acquisition, into our operations, which may prevent us from achieving the expected benefits from our merger and acquisition activities.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We may not be able to fully achieve the strategic objectives and operating efficiencies that we anticipate in our merger and acquisition activities. Inherent uncertainties exist in integrating the operations of an acquired business. We may lose our customers or the customers of acquired entities as a result of the acquisitions. We may also lose key personnel from the acquired entity as a result of an acquisition. We may not discover all known and unknown factors when examining a company for acquisition or merger during the due diligence period. These factors could produce unintended and unexpected consequences for us including, but not limited to, increased compliance and legal risks, including increased litigation or regulatory actions such as fines or restrictions related to the business practices or operations of the combined business. Undiscovered factors as a result of an acquisition or merger could bring civil, criminal, and financial liabilities against us, our management, and the management of those entities we acquire or merge with. In addition, if difficulties arise with respect to the integration process, we may incur higher integration expenses than anticipated and the economic benefits expected to result from the acquisition, including revenue growth and cost savings, might not occur or might not occur to the extent we expected. Failure to successfully integrate businesses that we acquire or merge with could have an adverse effect on our profitability, return on equity, return on assets, or our ability to implement our strategy, any of which in turn could have a material adverse effect on our business, financial condition and results of operations.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The success of the Signature transaction will depend on a number of uncertain factors, including our decisions regarding the fair value of the assets acquired and the bargain purchase gain recorded on the transaction, which could materially and adversely affect our financial condition, results of operations and future prospects.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our acquisition of certain assets of Signature Bank in March 2023 was an FDIC-assisted transaction and the expedited nature of the FDIC-assisted transaction did not allow bidders the time and access to information customarily associated with preparing for and evaluating a negotiated transaction. As a result, fair value estimates we have made in connection with the Signature transaction may be inaccurate and subject to change, which could adversely impact our financial condition, results of operations and future prospects. In addition, we may obtain additional information and evidence during the period of one year from March 20, 2023, the date we completed the Signature transaction, that may result in changes to the estimated amounts recorded as of December&#160;31, 2023, which could change the amount of the bargain purchase gain we have recorded. Adjustments to this gain may be recorded based on additional information received after the acquisition date that affect the measurement of the assets acquired and liabilities assumed and any decrease in the amount of bargain purchase gain we have recorded could also adversely impact our financial condition, results of operations and future prospects. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">39</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Operational Risks </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Our stress testing processes rely on analytical and forecasting models that may prove to be inadequate or inaccurate, which could adversely affect the effectiveness of our strategic planning and our ability to pursue certain corporate goals.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The processes we use to estimate the effects of changing interest rates, real estate values, and economic indicators such as unemployment on our financial condition and results of operations depend upon the use of analytical and forecasting models. These models reflect assumptions that may not be accurate, particularly in times of market stress or other unforeseen circumstances. Furthermore, even if our assumptions are accurate predictors of future performance, the models they are based on may prove to be inadequate or inaccurate because of other flaws in their design or implementation. If the models we use in the process of managing our interest rate and other risks prove to be inadequate or inaccurate, we could incur increased or unexpected losses which, in turn, could adversely affect our earnings and capital. Additionally, failure by the Company to maintain compliance with strict capital, liquidity, and other stress test requirements under banking regulations could subject us to regulatory sanctions, including limitations on our ability to pay dividends. </span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Company, entities that we have acquired, and certain of our service providers have experienced information technology security breaches and may be vulnerable to future security breaches. These incidents have resulted in, and could result in, additional expenses, exposure to civil litigation, increased regulatory scrutiny, losses, and a loss of customers, any of which could adversely impact our financial condition, results of operations, and the market price of our stock.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Communication and information systems are essential to the conduct of our business, as we use such systems, and those maintained and provided to us by third-party service providers, to manage our customer relationships, our general ledger, our deposits, and our loans. In addition, our operations rely on the secure processing, storage, and transmission of confidential and other information in our computer systems and networks. Although we, and entities we have acquired, take and have taken protective measures and endeavor to modify them as circumstances warrant, the security of our computer systems, software, and networks, as well as the security of the computer systems, software, and networks of certain of our service providers, have been, and may in the future be, vulnerable to breaches, unauthorized access, misuse, computer viruses, or other malicious code and cyber-attacks that have had and could have an impact on information security. With the rise and permeation of online and mobile banking, the financial services industry in particular faces substantial cybersecurity risk due to the type of sensitive information provided by customers. We, and our third-party service providers, have been and may in the future be subject to cybersecurity incidents, including those that involve the unauthorized access to customer information affecting other financial institutions and industry groups. Our systems and those of our third-party service providers and customers are regularly the subject of attempted attacks that are increasingly sophisticated, and it is possible that we or they could experience a significant event in the future that could adversely affect our business or operations. In addition, breaches of security have in the past and may in the future occur through intentional or unintentional acts by those having authorized or unauthorized access to our confidential or other information, or that of our customers, clients, or counterparties. Certain previously identified cyber incidents have resulted, and future such events could result, in the breach of confidential and other information processed and stored in our computer systems and networks. These events could cause interruptions or malfunctions in our operations or the operations of our customers, clients, or counterparties. Further, we may not know that an attack occurred until well after the event. Even after discovering an attempt or breach occurred, we may not know the extent of the impact of the attack for some period of time. This could cause us significant reputational damage or result in our experiencing significant losses.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While we diligently assess applicable regulatory and legislative developments affecting our business, laws and regulations relating to cybersecurity have been frequently changing, imposing new requirements on us. In light of these conditions, we face the potential for additional regulatory scrutiny that will lead to increasing compliance and technology expenses and, in some cases, possible limitations on the achievement of our plans for growth and other strategic objectives. We may also be required to expend significant additional resources to modify our protective measures or investigate and remediate vulnerabilities or other exposures arising from operational and security risks, including expenses for third-party expert consultants or outside counsel. We are currently subject to litigation regarding cyber incidents, and we also may be subject to future litigation and financial losses that either are not insured against or not fully covered through any insurance we maintain or any third-party indemnification or insurance. We believe that the impact of any previously identified cyber incidents, including those subject to ongoing investigation and remediation, will not have a material financial impact.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, we routinely transmit and receive personal, confidential, and proprietary information by e-mail and other electronic means. We have discussed, and worked with our customers, clients, and counterparties to develop secure transmission capabilities, but we do not have, and may be unable to put in place, secure capabilities with all of these constituents, and we may not be able to ensure that these third parties have appropriate controls in place to protect the confidentiality of such information. We maintain disclosure controls and procedures to ensure we will timely and sufficiently </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">40</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">notify our investors of material cybersecurity risks and incidents, including the associated financial, legal, or reputational consequence of such an event, as well as reviewing and updating any prior disclosures relating to the risk or event. While we have established information security policies, procedures and controls, including an Incident Response Plan, to prevent or limit the impact of systems failures and interruptions, we may not be able to anticipate all possible security breaches that could affect our systems or information and there can be no assurance that such events will not occur or will be adequately prevented or mitigated by our policies, procedures and controls if they do.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The Company and the Bank rely on third parties to perform certain key business functions, which may expose us to further operational risk. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We outsource certain key aspects of our data processing to certain third-party providers. While we have selected these third-party providers carefully, we cannot control their actions. Our ability to deliver products and services to our customers, to adequately process and account for our customers&#8217; transactions, or otherwise conduct our business could be adversely impacted by any disruption in the services provided by these third parties; their failure to handle current or higher volumes of usage; or any difficulties we may encounter in communicating with them. Replacing these third-party providers also could entail significant delay and expense. Our third-party providers may be vulnerable to unauthorized access, computer viruses, phishing schemes, and other security breaches. Threats to information security also exist in the processing of customer information through various other third-party providers and their personnel. We may be required to expend significant additional resources to protect against the threat of such security breaches and computer viruses, or to alleviate problems caused by such security breaches or viruses. To the extent that the activities of our third-party providers or the activities of our customers involve the storage and transmission of confidential information, security breaches and viruses could expose us to claims, regulatory scrutiny, litigation, and other possible liabilities. These types of third-party relationships are subject to increasingly demanding regulatory requirements and oversight by federal bank regulators (such as the Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation) and the CFPB. As a result, if our regulators conclude that we have not exercised adequate oversight and control over vendors and subcontractors or other ongoing third-party business relationships or that such third-parties have not performed appropriately, we could be subject to enforcement actions, including civil money penalties or other administrative or judicial penalties or fines, as well as requirements for consumer remediation. In addition, the Company may not be adequately insured against all types of losses resulting from third-party failures, and our insurance coverage may be inadequate to cover all losses resulting from systems failures or other disruptions to our banking services. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Failure to keep pace with technological changes could have a material adverse impact on our ability to compete for loans and deposits, and therefore on our financial condition and results of operations. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial products and services have become increasingly technology-driven. Our ability to meet the needs of our customers competitively, and in a cost-efficient manner, is dependent on our ability to keep pace with technological advances and invest in new technology as it becomes available. Many of our competitors have greater resources than we do and may be better equipped to invest in and market new technology-driven products and services. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The inability to attract and retain key personnel could adversely impact our operations. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To a large degree, our success depends on our ability to attract and retain key personnel whose expertise, knowledge of our markets, and years of industry experience make them difficult to replace. Competition for skilled leaders in our industry can be intense, and we may not be able to hire or retain the people we would like to have working for us. The unexpected loss of services of one or more of our key personnel could have a material adverse impact on our business, given the specialized knowledge of such personnel and the difficulty of finding qualified replacements on a timely basis. Furthermore, our ability to attract and retain personnel with the skills and knowledge to support our business may require that we offer additional compensation and benefits that would reduce our earnings. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">The transition to a new Chief Executive Officer will be critical to our success and our business may be adversely impacted if we do not successfully manage the transition process in a timely manner.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our success depends, in part, on the effectiveness of our transition to our new CEO, Joseph M. Otting, on April 1, 2024. The new CEO will be critical to executing on and achieving our vision, strategic direction, culture, products, and technology. If we are unable to execute an orderly transition and successfully integrate the new CEO into our leadership team, our operations and financial conditions may be adversely affected.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">41</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Many aspects of our operations are dependent upon the soundness of other financial intermediaries and thus could expose us to systemic risk. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The soundness of many financial institutions may be closely interrelated as a result of relationships between them involving credit, trading, execution of transactions, and the like. As a result, concerns about, or a default or threatened default by, one institution could lead to significant market-wide liquidity and credit problems, losses, or defaults by other institutions. As such &#8220;systemic risk&#8221; may adversely affect the financial intermediaries with which we interact on a daily basis (such as clearing agencies, clearing houses, banks, and securities firms and exchanges), we could be adversely impacted as well. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We may be terminated as a servicer or subservicer or incur costs, liabilities, fines and other sanctions if we fail to satisfy our servicing obligations, including our obligations with respect to mortgage loan foreclosure actions.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, we had relationships with</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">10 owners of MSRs, excluding ourselves, for which we act as subservicer for the mortgage loans they own. Due to the limited number of relationships, discontinuation of existing agreements with those third parties or adverse changes in contractual terms could have a significant negative impact to our mortgage servicing revenue. The terms and conditions in which a master servicer may terminate subservicing contracts are broad and could be exercised at the discretion of the master servicer without requiring cause. Additionally, the master servicer directs the oversight of custodial deposits associated with serviced loans and, to the extent allowable, could choose to transfer the oversight of the Bank's custodial deposits to another depository institution. Further, as servicer or subservicer of loans, we have certain contractual obligations, including foreclosing on defaulted mortgage loans or, to the extent applicable, considering alternatives to foreclosure. If we commit a material breach of our obligations as servicer, we may be subject to termination if the breach is not cured within a specified period of time following notice, causing us to lose servicing income.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We may be required to repurchase mortgage loans, pay fees or indemnify buyers against losses.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When selling mortgage loans, we provide customary representations and warranties to purchasers, guarantors and insurers, including the Agencies, regarding loan originations. Agreements may require repurchasing, substituting mortgage loans, or indemnify buyers against losses, in the event we breach these representations or warranties. We may also face litigation and associated costs.  With respect to loans that are originated through our broker or correspondent channels, the remedies against originating brokers or correspondents may be limited, posing financial risk. If repurchase and indemnity demands increase, our liquidity, results of operations and financial condition may also be adversely affected. Additionally, servicing errors may lead to reimbursement obligations, we may have a significant reduction to noninterest income or an increase to noninterest expense. We may incur legal and document-related expenses from foreclosure actions. These challenges could  harm our reputation or negatively affect our servicing business and, as a result, our profitability.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The pipeline represents the UPB for loans the Agencies identified as potentially needing to be repurchased, and the estimated probable loss associated with these loans is included in our representation and warranty reserve. While we believe the level of the reserve to be appropriate, the reserve may not be adequate to cover losses for loans that we have sold or securitized for which we may be subsequently required to repurchase, pay fines or fees, or indemnify purchasers and insurers because of violations of customary representations and warranties. Additionally, the pipeline could increase substantially without warning. Our regulators, as part of their supervisory function, may review our representation and warranty reserve for losses and may recommend or require us to increase our reserve, based upon their judgment, which may differ from that of Management.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We utilize third-party mortgage originators which subjects us to strategic, reputation, compliance, and operational risk.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We utilize third-party mortgage originators, i.e. mortgage brokers and correspondent lenders, who are not our employees. These third parties originate mortgages or provide services to many different banks and other entities. Accordingly, they may have relationships with, or loyalties to, such banks and other parties that are different from those they have with or to us. Failure to maintain good relations with such third-party mortgage originators could have a negative impact on our market share which would negatively impact our results of operations.  We rely on third-party mortgage originators to originate and document the mortgage loans we purchase or originate. While we perform due diligence on the mortgage companies with whom we do business as well as review the loan files and loan documents we purchase to attempt to detect any irregularities or legal noncompliance, we have less control over these originators than employees of the Bank. Due to regulatory scrutiny, our third-party mortgage originators could choose or be required to either reduce the scope of their business or exit the mortgage origination business altogether. The TILA-RESPA Integrated Disclosure Rule issued by the CFPB establishes comprehensive mortgage disclosure requirements for lenders and settlement agents in connection with most closed-end consumer credit transactions secured by real property. The rule requires certain disclosures to be provided to consumers in connection with applying for and closing on a mortgage loan. The rule also mandates the use of specific disclosure forms, timing of </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">42</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">communicating information to borrowers, and certain record keeping requirements. The ongoing administrative burden and the system requirements associated with complying with these rules or potential changes to these rules could impact our mortgage volume and increase costs. These arrangements with third-party mortgage originators and the fees payable by us to such third parties could also be subject to future regulatory scrutiny and restrictions.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Equal Credit Opportunity Act, The Consumer Protection Act and the Fair Housing Act prohibit discriminatory and other lending practices by lenders, including financial institutions. Mortgage and consumer lending practices raise compliance risks resulting from the detailed and complex nature of mortgage and consumer lending laws and regulations imposed by federal Regulatory Agencies as well as the relatively independent and diverse operating channels in which loans are originated. As we originate loans through various channels, we, and our third-party originators, are especially impacted by these laws and regulations and are required to implement appropriate policies and procedures to help ensure compliance with fair lending laws and regulations and to avoid lending practices that result in the disparate treatment of, or disparate impact to, borrowers across our various locations under multiple channels. Failure to comply with these laws and regulations, by us, or our third-party originators, could result in the Bank being liable for damages to individual borrowers, changes in business practices, or other imposed penalties.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We are subject to various legal or regulatory investigations and proceedings.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At any given time, we are involved with a number of legal and regulatory examinations as a part of reviews conducted by regulators and other parties, which may involve banking, securities, consumer protection, employment, tort, and numerous other laws and regulations. Proceedings or actions brought against us may result in judgments, settlements, fines, penalties, injunctions, business improvement orders, consent orders, supervisory agreements, restrictions on our business activities, or other results adverse to us, which could materially and negatively affect our business. If such claims and other matters are not resolved in a manner favorable to us, they may result in significant financial liability and/or adversely affect the market perception of us and our products and services as well as impact customer demand for those products and services. Some of the laws and regulations to which we are subject may provide a private right of action that a consumer or class of consumers may pursue to enforce these laws and regulations. We are currently subject to stockholder class and derivative actions which seek significant damages and other relief, and may be subject to similar actions in the future. Any financial liability or reputational damage could have a materially adverse effect on our business and, in turn, on our financial condition and results of operations. Claims asserted against us can be highly complicated and slow to develop, making the outcome of such proceedings difficult to predict or estimate early in the process. As a participant in the financial services industry, it is likely that we will be exposed to a high level of litigation and regulatory scrutiny relating to our business and operations. Although we establish accruals for legal or regulatory proceedings when information related to the loss contingencies represented by those matters indicates both that a loss is probable and that the amount of loss can be reasonably estimated, we do not have accruals for all legal or regulatory proceedings where we face a risk of loss. Due to the inherent subjectivity of the assessments and unpredictability of the outcome of legal and regulatory proceedings, amounts accrued may not represent the ultimate loss to us from the legal and regulatory proceedings in question. As a result, our ultimate losses may be significantly higher than the amounts accrued for legal loss contingencies. For further information, see Note 19 - Commitments and Contingencies and Item 3 - Legal Proceedings.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We may be required to pay interest on certain mortgage escrow accounts in accordance with certain state laws despite the Federal preemption under the National Bank Act.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2018, the Ninth Circuit Federal Court of Appeals held that California state law requiring mortgage servicers to pay interest on certain mortgage escrow accounts was not, as a matter of law, preempted by the National Bank Act (</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Lusnak v. Bank of America</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">). This ruling goes against the position that regulators, national banks, and other federally-chartered financial institutions have taken regarding the preemption of state-law mortgage escrow interest requirements. The opinion issued by the Ninth Circuit Federal Court of Appeals is legal precedent only in certain parts of the western United States. We are defending similar litigation in California, and are currently appealing a federal district court judgment against us in that case to the Ninth Circuit. We are arguing that the </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Lusnak</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> case was wrongly decided; we believe our situation can be distinguished from </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Lusnak</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> as a matter of law and California&#8217;s interest on escrow law should be preempted as a matter of fact. If the Ninth Circuit&#8217;s holding is more broadly adopted by other Federal Circuits, including those covering states that currently have enacted, or in the future may enact, statutes requiring the payment of interest on escrow balances or if we would be required to retroactively credit interest on escrow funds, the Company&#8217;s earnings could be adversely affected.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">43</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">We could be exposed to fraud risks that affect our operations and reputation.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We face significant risks related to fraud, which could result in financial loss, expensive litigation, and damage to our reputation. Our organization is exposed to various types of fraud, including fraud or theft by colleagues or outsiders and unauthorized transactions. We rely heavily on information provided by clients and third parties, and misrepresentations in this information can lead to funding loans that do not meet our expectations or on unfavorable terms. We bear the risk of loss associated with misrepresentations, and it can be challenging to recover any monetary losses suffered. We have implemented various controls and security measures, but the failure of any of these controls could result in a failure to detect or mitigate fraud risks in a timely manner. We are committed to ongoing investments and attention to combat fraud and enhance our security measures to protect against these risks.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Reputational Risk </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Damage to our reputation could significantly harm the businesses we engage in, as well as our competitive position and prospects for growth. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ability to attract and retain investors, customers, clients, and employees could be adversely affected by damage to our reputation resulting from various sources, including employee misconduct, litigation, or regulatory outcomes; failure to deliver minimum standards of service and quality; compliance failures; unintentional disproportionate assessment of fees to customers of protected classes; unethical behavior; unintended disclosure of confidential information; and the activities of our clients, customers, and/or counterparties. Actions by the financial services industry in general, or by certain entities or individuals within it, also could have a significantly adverse impact on our reputation. Our actual or perceived failure to identify and address various issues also could give rise to reputational risk that could significantly harm us and our business prospects, including failure to properly address operational risks. These issues include legal and regulatory requirements; consumer protection, fair lending, and privacy issues; properly maintaining customer and associated personal information; record keeping; protecting against money laundering; sales and trading practices; and ethical issues. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Increasing scrutiny and evolving expectations from customers, regulators, investors, and other stakeholders with respect to our environmental, social, and governance practices may impose additional costs on us or expose us to new or additional risks.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Companies are facing increasing scrutiny from customers, regulators, investors, and other stakeholders related to their environmental, social, and governance ("ESG") practices and disclosure.  Investor advocacy groups, investment funds, and influential investors are also increasingly focused on these practices, especially as they relate to the environment, health and safety, diversity, labor conditions, and human rights.  Increased ESG-related compliance costs could result in increases to our overall operational costs.  Failure to adapt to or comply with regulatory requirements or investor or stakeholder expectations and standards could negatively impact our reputation, ability to do business with certain partners, and our stock price.  New government regulations could also result in new or more stringent forms of ESG oversight and expanding mandatory and voluntary reporting, diligence, and disclosure. Additionally, concerns over the long-term impacts of climate change have led and will continue to lead to governmental efforts around the world to mitigate those impacts. Investors, consumers, and businesses also may change their behavior on their own as a result of these concerns. The Company and its customers will need to respond to new laws and regulations as well as investor, consumer and business preferences resulting from climate change concerns. The Company and its customers may face cost increases, asset value reductions, and operating process changes, among other impacts. The impact on the Company&#8217;s customers will likely vary depending on their specific attributes, including reliance on or role in carbon intensive activities. In addition, the Company would face reductions in credit worthiness on the part of some customers or in the value of assets securing loans. Investors could determine not to invest in the Company&#8217;s securities due to various climate change related considerations. The Company&#8217;s efforts to take these risks into account in making lending and other decisions may not be effective in protecting the Company from the negative impact of new laws and regulations or changes in investor, consumer or business behavior.</span></div><div style="text-align:justify"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257053"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 1B.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Unresolved Staff Comments</span></td></tr></table></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">None.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2899"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 1C.</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Cybersecurity</span></div></td></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Risk Management and Strategy</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">44</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The importance of protecting against unauthorized access to or use of customer data that has been entrusted to us as part of the various services provided to our customers; as well as operational disruptions caused by cybersecurity events, is of paramount importance to us. The Bank relies upon a formalized Information/Cybersecurity Program (&#8220;ICP&#8221;) to ensure we are protecting the confidentiality, integrity and availability of confidential information. The ICP is approved by the Board of Directors or a Committee thereof annually, and is designed to identify reasonably foreseeable internal and external threats, assess the likelihood and potential damage these threats could cause, and assess the appropriateness of policies, standards and procedures used to identify and mitigate risk levels to within the documented risk appetite. The ICP has been designed to align with industry best practices, as well as Regulatory guidelines and laws; and leverages both the Secure Control and the National Institute of Standards and Technology Cybersecurity frameworks as its baselines.  </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The ICP incorporates formal policies and procedures to ensure established controls are subjected to testing and independent effective challenge, to provide for appropriate due diligence and ongoing oversight of third parties who have access to our confidential information and/or systems, and to provide information and cybersecurity training to our employee population to ensure awareness of risks facing the institution and latest techniques used by malicious actors. A key component of the training program is the performance of phishing and social engineering campaign, the result of which are used to gauge the training program&#8217;s effectiveness, as well as to identify employees that pose a potential higher level of phishing/social engineering susceptibility risk, with all such employees provided additional targeted training. The ICP also includes subject matter expert review of third-party servicing agreements to ensure provisions adequately protect the bank in the event of a cybersecurity event whenever the relationship involves sensitive customer information. Internal auditors and third-party security experts are relied upon to review and ensure that established controls are appropriately designed, effectively implemented, and operating as intended; with such reviews undertaken as part of the Bank&#8217;s internal audit and third-party penetration testing programs. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The information/cybersecurity risk management program relies upon a layered security model to protect against both internal and external threats; and is a component of the Bank&#8217;s formalized enterprise risk management program (&#8220;ERM Program&#8221;), which is reviewed and approved by the Board of Directors or Committee thereof at least annually. The ERM Program sets forth enterprise-wide operational practices to ensure consistency in the organizations approach to risk identification, documentation, measurement, management, and mitigation with all aspects of risk management documented within a centrally maintained risk management platform (&#8220;RMP&#8221;).  A key aspect of the ERM Program is the risk and control self-assessment (&#8220;RCSA&#8221;) process, which is used to evaluate the mitigation effectiveness of implemented controls through an independent effective challenge program.  Gaps or control weaknesses identified as part of the RCSA process require creation of issues and remediation strategies, both of which are formally documented within the RMP, where remediation efforts are managed and monitored from initial creation through ultimate completion of the respective work effort.  Independent effective challenge has been embedded throughout this process and ensures that remediation efforts will, and have satisfactorily addressed the identified issue.   </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A formal Incident Response Plan (&#8220;Plan&#8221;) is maintained by the Information Security Department, and approved by the Board of Directors or designated Committee thereof at least annually. The Plan sets forth the Bank&#8217;s information/cybersecurity incident response framework, which has been designed to ensure a consistent, repeatable response to any actual or threatened cybersecurity incident (&#8220;Incident&#8221;).  The framework sets forth the team structure utilized for the coordination, monitoring, oversight, and internal and external reporting in connection with any identified Incident; and delineates responsibilities for all team members involved in response activities, as well as guidance for all employees in connection with defining, discovering, reporting, investigating, containing, and recovering from an Incident.  During the reporting period, we did not experience any cybersecurity risks or incidents that have materially or are reasonably likely to materially affect the Bank; including its business strategy, result of operations, or financial condition.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We believe that the impact of any previously identified cyber incidents, including those subject to ongoing investigation and remediation, will not have a material impact on the Company, including business strategy, results of operations or financial condition.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Governance</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Board of Directors, through its Risk Assessment (&#8220;RAC&#8221;) and Technology (&#8220;TEC&#8221;) Committees, (together the &#8220;Committees&#8221;) provides direction and oversight of both the enterprise risk management and information/cybersecurity risk management programs. The Committees meet monthly to review and discuss overall state, current developments, management and performance metrics, risk identification and mitigation status, and new initiatives associated with both the Enterprise Risk Management and Information/Cybersecurity Programs.  The Committees rely upon various management level committees (e.g. </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">45</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Enterprise Risk Management, Operational Risk Management, and Technology Management) for oversight and direct management of the overarching risk management framework, which includes the information/cybersecurity risk management program and direct reporting by the Chief Information Security Officer (&#8220;CISO&#8221;).</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CISO is responsible for administration, management, and oversight of the Information/Cybersecurity Program; and is supported by a team of individuals that possess various levels of educational and technical hands-on expertise to carry out daily responsibilities and to ensure the Program&#8217;s success and continued maturation.    The CISO reports directly to the Chief Risk Officer, and has over 15 years of direct experience in designing, implementing, and maturing information and cybersecurity strategies within the financial sector.  Prior to joining the Bank, the CISO served as a technology examiner for one of the three Federal banking regulatory agencies, with over ten years of experience performing technology examinations of financial institutions (&#8220;FI&#8221;) and FI service providers primarily within the New York metropolitan area.  </span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257068"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 2.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Properties</span></td></tr></table></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We own certain of our branch offices, as well as our headquarters on Long Island and certain other back-office buildings in New York, Ohio, Florida and Michigan. We also utilize other branch and back-office locations in those states, and in New Jersey, Arizona, California, Indiana, and Wisconsin under various lease and license agreements that expire at various times. (See Note 8 - Leases in Item 8, &#8220;Financial Statements and Supplementary Data.&#8221;) We believe that our facilities are adequate to meet our present and immediately foreseeable needs. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257082"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 3.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Legal Proceedings</span></td></tr></table></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is involved in various legal actions arising in the ordinary course of its business. All such actions in the aggregate involve amounts that are believed by management to be immaterial to the financial condition and results of operations of the Company.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The Company and its President and Chief Executive Officer and Senior Executive Vice President and Chief Financial Officer have been named as defendants in a shareholder class action captioned </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Lemm, Jr. v. New York Community Bancorp, Inc., et al.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, Case No. 1:24-cv-00903, filed on February 6, 2024 in the United States District Court for the Eastern District of New York.  This action, which seeks unspecified compensatory damages to be proven at trial, alleges violations of the federal securities laws, including Sections 10(b) and 20(a) of the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;) and SEC Rule 10b-5, with respect to disclosures concerning the Company&#8217;s business, operations and prospects, particularly regarding the impact of the Flagstar and Signature transactions and the Bank&#8217;s commercial real estate loan portfolio and related matters, that were made in the Company&#8217;s public SEC filings and press releases during the period beginning on March 1, 2023 and ending on January 30, 2024.  The Company intends to vigorously defend this action and any related actions.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The Company and its President and Chief Executive Officer and Senior Executive Vice President and Chief Financial Officer have also been named as defendants in a second shareholder class action captioned </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Miskey v. New York Community Bancorp, Inc., et al.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">, Case No. 1:24-cv-01118, filed on February 13, 2024 in the United States District Court for the Eastern District of New York.  This action also seeks unspecified compensatory damages to be proven at trial and alleges violations of the federal securities laws, including Sections 10(b) and 20(a) of the Exchange Act and SEC Rule 10b-5, with respect to disclosures concerning the Company&#8217;s business, operations and prospects, particularly regarding the impact of the Flagstar and Signature transactions and the Bank&#8217;s commercial real estate loan portfolio and related matters, that were made in the Company&#8217;s public SEC filings and press releases during the period beginning on March 1, 2023 and ending on February 5, 2024.  The Company intends to vigorously defend this action and any related actions.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The Company&#8217;s President and Chief Executive Officer and Senior Executive Vice President and Chief Financial Officer, as well as all of the Company&#8217;s current directors, have also been named as defendants in a shareholder derivative action captioned </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Hauser v. Cangemi, et al., </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Case No. 1:24-cv-01207, filed on February 15, 2024 in the United States District Court for the Eastern District of New York.  This action, which also names the Company as a nominal defendant and seeks unspecified compensatory damages and certain corporate governance and internal procedures reforms, alleges claims of breach of fiduciary duty, gross mismanagement, waste of corporate assets, unjust enrichment, aiding and abetting with respect to the director defendants, and violations of Sections 10(b) and 21D of the Exchange Act with respect to the officer defendants. The allegations in the complaint relate to disclosures concerning the Company&#8217;s business, operations and prospects, particularly regarding the impact of the Flagstar and Signature transactions and the Bank&#8217;s commercial real estate loan portfolio and related matters, that were made in the Company&#8217;s public SEC filings and press releases during the period beginning on March 1, 2023 and ending on January 31, 2024, as well as the defendants&#8217; management of the Company during such period. The Company intends to vigorously defend this action and any related actions.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">46</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The outcome of the pending litigation described above is uncertain. There can be no assurance (i) that we will not incur material losses due to damages, penalties, costs and/or expenses as a result of such litigation, (ii) that the reserves we have established will be sufficient to cover such losses, or (iii) that such losses will not materially exceed such reserves and have a material impact on our financial condition or results of operations. The Company may incur significant legal expenses in defending the litigation described above during the pendency of these matters, and in connection with any other potential cases, including expenses for the potential reimbursement of legal fees of officers and directors under indemnification obligations. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257097"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 4.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Mine Safety Disclosures</span></td></tr></table></div><div><span><br/></span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">None.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">47</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_202"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART&#160;II </span></div><div style="text-align:center"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_205"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 5.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Market For the Registrant's Common Equity, Related Stockholder Matters, and Issuer Purchases</span></td></tr></table></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The common stock of New York Community Bancorp, Inc. trades on the New York Stock Exchange (the &#8220;NYSE&#8221;) under the symbol &#8220;NYCB.&#8221; </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the number of outstanding shares was 722,066,370 and the number of registered owners was approximately 11,746. The latter figure does not include those investors whose shares were held for them by a bank or broker at that date. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Stock Performance Graph </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following graph compares the cumulative total return on the Company&#8217;s stock in the five years ended December&#160;31, 2023 with the cumulative total returns on a broad market index (the S&amp;P Mid-Cap 400 Index) and a peer group index (the S&amp;P U.S. BMI Banks Index) during the same time. The S&amp;P Mid-Cap 400 Index was chosen as the broad market index in connection with the Company&#8217;s trading activity on the NYSE; the S&amp;P U.S. BMI Banks Index currently is comprised of 258 bank and thrift institutions, including the Company. S&amp;P Global Market Intelligence provided us with the data for both indices. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The performance graph is being furnished solely to accompany this report pursuant to Item 201(e) of Regulation S-K, and is not being filed for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and is not to be incorporated by reference into any filing of the Company, whether made before or after the date hereof, regardless of any general incorporation language in such filing. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The cumulative total returns are based on the assumption that $100.00 was invested in each of the three investments on December 31, 2018 and that all dividends paid since that date were reinvested. Such returns are based on historical results and are not intended to suggest future performance. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">48</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">CUMULATIVE TOTAL STOCKHOLDER RETURN</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">COMPARED WITH PERFORMANCE OF SELECTED INDICES</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">DECEMBER 31, 2018 THROUGH DECEMBER 31, 2023</span></div><div style="text-align:center"><img src="fbc-20231231_g1.jpg" alt="2199023257926" style="height:457px;margin-bottom:5pt;vertical-align:text-bottom;width:614px"/></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:90.204%"><tr><td style="width:1.0%"/><td style="width:29.856%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.407%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.407%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.407%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.407%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.407%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.409%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12/31/2018</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12/31/2019</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12/31/2020</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12/31/2021</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12/31/2022</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">12/31/2023</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Bancorp, Inc.</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.00&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135.38&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">127.51&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156.41&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">118.03&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149.75&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">S&amp;P Mid-Cap 400 Index</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126.20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">143.44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178.95&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155.58&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181.15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">S&amp;P U.S. BMI Banks Index</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.00&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">137.36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119.83&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">162.92&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135.13&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147.41&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="margin-top:5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Share Repurchases </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Shares Repurchased Pursuant to the Company&#8217;s Stock-Based Incentive Plans </span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Participants in the Company&#8217;s stock-based incentive plans may have shares of common stock withheld to fulfill the income tax obligations that arise in connection with the vesting of their stock awards. Shares that are withheld for this purpose are repurchased pursuant to the terms of the applicable stock-based incentive plan, rather than pursuant to the share repurchase program authorized by the Board of Directors, described below. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Shares Repurchased Pursuant to the Board of Directors&#8217; Share Repurchase Authorization </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 23, 2018, the Board of Directors authorized the repurchase of up to $300 million of the Company&#8217;s common stock. Under said authorization, shares may be repurchased on the open market or in privately negotiated transactions.  As of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, the Company has approximately $9&#160;million remaining under this repurchase authorization.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">49</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Shares that are repurchased pursuant to the Board of Directors&#8217; authorization, and those that are repurchased pursuant to the Company&#8217;s stock-based incentive plans, are held in our Treasury account and may be used for various corporate purposes, including, but not limited to, merger transactions and the vesting of restricted stock awards. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the year </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, the Company repurchased $12&#160;million or 1 million shares of its common stock:</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"><tr><td style="width:1.0%"/><td style="width:26.703%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.260%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.260%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.260%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.561%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:112%">(dollars in millions, except share data)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Period</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Total Shares of Common Stock Repurchased</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Average Price Paid per Common Share</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Total Allocation</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Total Shares of Common Stock Purchased as Part of Publicly Announced Plans or Programs </span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">First Quarter 2023</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">976,454&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.33&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Second Quarter 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,177&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.36</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Third Quarter 2023</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,956&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">12.50</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">0</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fourth Quarter 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 31pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 1 - 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,525&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.29&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 31pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 1 - 30, 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,897&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.34&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 31pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 1 - 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,526&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.92&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fourth Quarter 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">56,948&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16.57&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">1&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023 Total </span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">1,257,535&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.59&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">12&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:8pt;font-weight:400;line-height:112%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257114"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 6.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Reserved</span></td></tr></table></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257129"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 7.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Management's Discussion and Analysis of Financial Condition and Results of Operations</span></td></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257144"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">EXECUTIVE SUMMARY </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, total assets were $114.1&#160;billion, up $23.9 billion compared to December&#160;31, 2022.  Total deposits were $81.5&#160;billion at December&#160;31, 2023, up $22.8&#160;billion from December&#160;31, 2022. These year-to-date increases were primarily due to our March 20, 2023, assumption of a substantial amount of the deposits and certain identified liabilities and the acquisition of certain assets and lines of business of Signature Bridge Bank, from the FDIC as receiver for Signature Bridge Bank (the &#8220;Signature Transaction&#8221;).  See Note 3 - Business Combinations to the Consolidated Financial Statements for further information regarding the Signature Transaction. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2023, net loss was $79&#160;million as compared to net income of $650&#160;million for the year ended December 31, 2022.  Net loss available to common stockholders for the year ended December 31, 2023 was $112&#160;million, compared to net income $617 million for the year ended December 31, 2022.  Diluted (loss) earnings per share totaled $(0.16) for the year ended December 31, 2023 compared to $1.26 for the year ended December 31, 2022. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The net loss for 2023 primarily reflects a goodwill impairment of $2.4&#160;billion recorded in the fourth quarter partially offset by a $2.1&#160;billion bargain gain on the Signature Transaction. During the fourth quarter of 2023, management also took decisive actions to build capital, reinforce our balance sheet, strengthen our risk management processes, and better align ourselves with the relevant bank peers. We significantly built our reserve levels by recording a $552 million provision for loan losses, bringing our allowance for credit losses to $992 million at December&#160;31, 2023, reflecting our actions to build reserves during the quarter to address weakness in the office sector, potential repricing risk in the multi-family portfolio and conditions leading to increases in classified assets, which better aligns the Company with its relevant bank peers, including Category IV banks. In addition, we added on-balance sheet liquidity as we prepare for the enhanced prudential standards that apply to banks with $100 billion or more in total assets.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loan Portfolio</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, total C&amp;I loans were $25.3&#160;billion compared to $12.3&#160;billion at December&#160;31, 2022.  The majority of the increase is attributable to the $9.9&#160;billion of C&amp;I loans acquired in the Signature Transaction along with continued growth through new originations. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">50</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The multi-family loan portfolio was $37.3&#160;billion at December&#160;31, 2023, down slightly compared to $38.1&#160;billion at December&#160;31, 2022.  At December&#160;31, 2023, multi-family loans represented 44 percent of total loans, compared to 55 percent at December&#160;31, 2022, further demonstrating the reduction of our concentration in this asset class.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Commercial loans (commercial real estate and acquisition, development and construction loans) increased $2.9&#160;billion at December&#160;31, 2023 to $13.4&#160;billion compared to $10.5&#160;billion at December&#160;31, 2022 largely attributable to the Signature Transaction and growth in our home builder finance portfolio.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">One-to-four family residential loans totaled $6.1 billion at December&#160;31, 2023, representing 7 percent of total loans compared to $5.8 billion or eight percent of total loans at December&#160;31, 2022.  Other loans totaled $2.7 billion at December&#160;31, 2023 compared to $2.3 billion at December&#160;31, 2022.  The other loan portfolio consists mostly of HELOC and other consumer loans.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held-for-sale at December&#160;31, 2023 totaled $1.2&#160;billion, up from $1.1&#160;billion at December&#160;31, 2022.</span></div><div style="text-indent:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deposit Base</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Deposits at December&#160;31, 2023 totaled $81.5&#160;billion, up $22.8&#160;billion compared to $58.7&#160;billion at December&#160;31, 2022 primarily driven by the Signature Transaction.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our deposit base includes $29.3 billion of uninsured deposits at December&#160;31, 2023, up $12.9&#160;billion as compared to December&#160;31, 2022 largely due to the Signature Transaction. This represents 35.9 percent of our total deposits. These amounts were determined based on the same methodologies and assumptions used for regulatory reporting purposes and exclude internal accounts. At December&#160;31, 2023 total liquidity (cash and cash equivalents, unpledged securities, and FHLB and FRB borrowing capacity) was $27.9&#160;billion. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net Interest Income</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2023, net interest income totaled $3.1 billion, up $1.7 billion or 120 percent compared to the year ended December 31, 2022.  The increase was primarily the result of the Flagstar acquisition, which closed in late 2022, and the Signature transaction, which closed in late March of 2023.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2023, net interest margin was 2.99 percent, up sixty-four basis points compared to the year ended December 31, 2022. The year-over-year increase was primarily the result of a larger balance sheet driven by both the Flagstar acquisition and the Signature transaction, and due to organic loan growth, along with the impact of higher interest rates.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Asset Quality</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, NPA to total assets equaled 0.39 percent compared to 0.17 percent at December&#160;31, 2022 while NPL to total loans equaled 0.51 percent compared to 0.20 percent at December&#160;31, 2022. The increase in NPLs was primarily driven by a $125&#160;million increase in multi-family loans and a $108&#160;million in commercial real estate loans. Repossessed assets of $14&#160;million were slightly higher compared to $12&#160;million in the prior year.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Recent Events </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Declaration of Dividend on Common Shares </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On January&#160;30, 2024, the Company's Board of Directors declared a quarterly cash dividend of $0.05 per share on the Company's common stock.  The dividend is payable on February&#160;28, 2024 to common stockholders of record as of February&#160;14, 2024.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Appointment of Executive Chairman</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 6, 2024, the Company appointed Alessandro (Sandro) DiNello as Executive Chairman, effective as of February 7, 2024.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In this capacity, Mr. DiNello serves as the most senior executive officer of the Company.</span></div><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">51</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257150"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">RESULTS OF OPERATIONS</span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net Interest Income </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Net interest income is our primary source of income. Its level is a function of the average balance of our interest-earning assets, the average balance of our interest-bearing liabilities, and the spread between the yield on such assets and the cost of such liabilities. These factors are influenced by both the pricing and mix of our interest-earning assets and our interest-bearing liabilities which, in turn, are impacted by various external factors, including the local economy, competition for loans and deposits, the monetary policy of the FOMC, and market interest rates. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The cost of our deposits and borrowed funds is largely based on short-term rates of interest, the level of which is partially impacted by the actions of the FOMC.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While the target federal funds rate generally impacts the cost of our short-term borrowings and deposits, the yields on our held-for-investment loans and other interest-earning assets are not as sensitive to intermediate-term market interest rates. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Another factor that impacts the yields on our interest-earning assets&#8212;and our net interest income&#8212;is the income generated by our multi-family and CRE loans and securities when they prepay. Since prepayment income is recorded as interest income, an increase or decrease in its level will also be reflected in the average yields (as applicable) on our loans, securities, and interest-earning assets, and therefore in our net interest income, our net interest rate spread, and our net interest margin. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It should be noted that the level of prepayment income on loans recorded in any given period depends on the volume of loans that refinance or prepay during that time. Such activity is largely dependent on such external factors as current market conditions, including real estate values, and the perceived or actual direction of market interest rates. This impact is most prevalent in our multi-family and CRE portfolios, and to a lesser extent in our C&amp;I and ADC portfolios. In addition, while a decline in market interest rates may trigger an increase in refinancing and, therefore, prepayment income, so too may an increase in market interest rates. It is not unusual for borrowers to lock in lower interest rates when they expect, or see, that market interest rates are rising rather than risk refinancing later at a still higher interest rate. The impact of prepayments on the current quarter and year was minimal. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Year-over-Year Comparison</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2023, net interest income totaled $3.1 billion, up $1.7&#160;billion or 120 percent compared to $1.4&#160;billion for the year ended December 31, 2022.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The year-over-year increase was primarily the result of the Flagstar acquisition, which closed late last year, and the Signature Transaction, which closed in late March of this year.</span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:13.8pt">Interest income on mortgages and other loans increased $2.7&#160;billion driven by a $32.5&#160;billion or 65.8 percent increase in average loan balances to $81.9&#160;billion. This is primarily driven by the December 2022 acquisition of Flagstar and the March 2023 Signature Transaction. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Additionally, we had a 177 basis point increase in the average loan yield to 5.5 percent in the current year primarily due to higher yields on acquired loans and the rising interest rate environment. Prepayments in 2023 were $9&#160;million. </span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:13.8pt">Interest income on securities increased $244&#160;million driven by a 149 basis point increase in the average yield to 4.2 percent from 2.7 percent along with a $3.2&#160;billion or 42.5 percent increase in the average securities balance to $10.6 billion. The increase was driven by higher rates on new purchase and higher yields on acquired Flagstar securities.</span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Interest-earning cash and cash equivalents increased $487 million reflecting a 367 basis point increase in the average yield to 5.1 percent driven by higher short-term market rates and an increase in the average balance driven by the Signature Transaction and bolstering our on-balance sheet liquidity.</span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:13.8pt">Interest expense on average interest-bearing deposits increased $1.4&#160;billion to $1.8 billion during the year ended December 31, 2023, driven by a 206 basis point increase in the average cost of interest-bearing deposits due to rising interest rates. Average interest earning deposits grew $20.3&#160;billion, or 56.4 percent, to $56.3 billion. The balance growth primarily reflects the December acquisition of Flagstar and the March Signature Transaction. </span></div><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">52</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Arial',sans-serif;font-size:12pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:13.8pt">Interest expense on borrowed funds increased $343 million or 109.6 percent to $656 million driven by a 162 basis point increase in rates in addition to a $2.5&#160;billion or 16.5 percent increase in the average balance to $17.9 billion.</span></div><div style="text-indent:36pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257200"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Net Interest Margin </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">    </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth certain information regarding our average balance sheet for the periods indicated, including the average yields on our interest-earning assets and the average costs of our interest-bearing liabilities. Average yields are calculated by dividing the interest income produced by the average balance of interest-earning assets. Average costs are calculated by dividing the interest expense produced by the average balance of interest-bearing liabilities. The average balances for the periods are derived from average balances that are calculated daily. The average yields and costs include fees, as well as premiums and discounts (including mark-to-market adjustments from acquisitions), that are considered adjustments to such average yields and costs. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">        </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:35.125%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.200%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.960%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.200%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.350%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.026%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.822%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.200%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.350%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.200%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.960%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.207%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Interest</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Average Yield/Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Interest</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Average Yield/Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Average Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Interest</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">Average Yield/Cost</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">ASSETS:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-earning assets:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage and other loans and leases , net </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,855&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,509&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.51&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,376&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,848&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.74&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,200&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,525&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.53&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2) (3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,611</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">444</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,448&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">200&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.69&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,625&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.35&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reverse repurchase agreements</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">388</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.77&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">460&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.24&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">430&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.05&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-earning cash and cash equivalents</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,025</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,988&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.47&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,016&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest-earning assets</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,879&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,491&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,272&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,092&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.53&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,271&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,689&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.23&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-interest-earning assets</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,616</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,130&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,275&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,495&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,402&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,546&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">LIABILITIES AND STOCKHOLDERS' EQUITY:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-bearing deposits:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-bearing checking and money market accounts</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,286&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">943&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,910&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">226&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,829&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Savings accounts</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,941</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.70&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,336&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.64&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,612&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,097</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">646</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.78&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,772&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,094&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.60&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest-bearing deposits</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,324&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,758&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,018&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">383&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.06&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29,535&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.38&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Short term borrowed funds</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,263</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">305</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,408&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,343&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.34&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other borrowed funds</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,671</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">351</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.29&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,982&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">257&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.99&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,366&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">278&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.08&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total borrowed funds</span></div></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,934&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">656&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.66&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,390&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">313&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.04&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,709&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">286&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.82&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest-bearing liabilities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74,258&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,414&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,408&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">696&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.35&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,244&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">400&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.88&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-interest-bearing deposits</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,583</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,124&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,578&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,073</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">787&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">790&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99,914&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,319&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,612&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stockholders&#8217; equity</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,581</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,083&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,934&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities and stockholders&#8217; equity</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,495&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64,402&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,546&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income/interest rate spread</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,077&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.09&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,396&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.17&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000000;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,289&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.35&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest margin</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.99&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.35&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.47&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio of interest-earning assets to interest-bearing liabilities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.39&#160;</span></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">x</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.15&#160;</span></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">x</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.16&#160;</span></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">x</span></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:3pt double #000;padding:0 1pt"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Amounts are net of net deferred loan origination costs/(fees) and includes loans held for sale and non-performing loans.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Amounts are at amortized cost. </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes FHLB stock and FRB stock. </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">53</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the extent to which changes in interest rates and changes in the volume of interest-earning assets and interest-bearing liabilities affected our interest income and interest expense during the periods indicated. Information is provided in each category with respect to (i) the changes attributable to changes in volume (changes in volume multiplied by prior rate); (ii) the changes attributable to changes in rate (changes in rate multiplied by prior volume); and (iii) the net change. The changes attributable to the combined impact of volume and rate have been allocated proportionately to the changes due to volume and the changes due to rate on each separate line. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:49.484%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.841%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.648%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.625%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.818%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.356%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.360%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023 compared to Year Ended 2022<br/>Increase/(Decrease) Due to:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022 compared to Year Ended 2021<br/>Increase/(Decrease) Due to:</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Volume</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Volume</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Net</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">INTEREST-EARNING ASSETS:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage and other loans and leases, net</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1789&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">872&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2661&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">244&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reverse repurchase agreements</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Earning cash and cash equivalents</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">413&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">487&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest-earnings assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,327&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,072</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,399&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">403&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">INTEREST-BEARING LIABILITIES:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-bearing checking and money market accounts</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">366&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">351&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">717&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">131&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">195&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Savings accounts</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">99&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">109&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">234&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Short term borrowed funds</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">249&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other borrowed funds</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">170&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest-bearing liabilities</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">743&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">975&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,718&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">213&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">296&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in net interest income</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,584&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,681&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">164&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(57)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2023, the net interest margin was 2.99 percent, up 64 basis points compared to the year ended December 31, 2022.  The year-over-year increase was primarily the result of a larger balance sheet with loans at higher yields driven by both the Flagstar acquisition and the Signature Transaction along with the impact of higher interest rates. Average interest-earning assets increased $43.6 billion, or 74 percent, on a year-over-year basis to $102.9 billion for the year ended December 31, 2023, while the average yield rose 181 basis points to 5.34 percent.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Average loan balances rose $32.5 billion, or 66 percent, to $81.9 billion while the average loan yield rose 177 basis points to 5.51 percent on a year-over-year basis.  Average cash balances increased $8.0 billion to $10.0 billion, while the average yield rose to 5.14 percent from 1.47 percent.  Average securities increased $3.2 billion, or 42 percent, to $10.6 billion, while the average yield improved to 4.18 percent from 2.69 percent.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Average interest-bearing liabilities increased $22.9 billion, or 44 percent, to $74.3 billion while the average cost increased to 3.25 percent from 1.35 percent.  Average interest-bearing deposits rose $20.3 billion, or 56 percent, while the average cost of deposits increased to 3.12 percent compared to 1.06 percent.  Average borrowed funds increased $2.5 billion to $17.9 billion while the average cost rose to 3.66 percent from 2.04 percent.  Average non-interest-bearing deposits rose $16.5 billion to $21.6 billion.</span></div><div style="text-align:justify"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257212"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Provision for Credit Losses </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Comparison to Prior Year to Date</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The year ended December 31, 2023 provision for credit losses was $833&#160;million compared to $133&#160;million for the year ended December 31, 2022. The 2023 provision primarily reflects an initial $132 million provision for credit losses for acquired loans and related commitments from the Signature Transaction and a net $483 million increase in ACL and unfunded commitment reserves which reflects our actions to build reserves during the fourth quarter to address weakness in the office sector, potential repricing risk in the multi-family portfolio and conditions leading to increases in classified assets. Lastly, the Company recorded a net $10 million provision related to net charge-offs on AFS securities.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Total net loan charge-offs amounted to $208 million, including $112 million for a co-operative loan, $40 million for a CRE loan, and $30&#160;million for commercial loans, mainly from two C&amp;I loans in the fourth quarter. The charged-off co-</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">54</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">operative loan was subsequently transferred to held-for-sale status. On February 29, the loan was sold, realizing a gain of $26 million from its previously written-down fair value estimate. This gain on sale will be recognized in the first quarter of 2024. For a more detailed discussion and analysis of the total allowance for credit losses, see the "Credit Quality" section of this MD&amp;A and "Note 7 - Allowance for Credit Losses on Loans and Leases".</span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257224"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Non-Interest Income</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We generate non-interest income through a variety of sources, including&#8212;among others&#8212;fee income (in the form of retail deposit fees and charges on loans); net return on our MSR asset; net gain on loan sales and securitizations, net loan administration income (including loan subservicing income); income from our investment in BOLI; and &#8220;other&#8221; sources, including the revenues produced through the sale of third-party investment products. </span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our non-interest income for the respective periods:</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">                   </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:62.642%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.595%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.595%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.600%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,131&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fee income</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">172</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on loan sales and securitizations</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bank-owned life insurance</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan administration income</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">82</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loss on securities</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total non-interest income</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,687&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Non-interest income increased $2.4 billion for the year ended December 31, 2023 compared to the year ended December 31, 2022 primarily due to the bargain purchase gain of $2.1 billion related to the Signature Transaction. Excluding bargain purchase gains, non-interest income for the year ended December 31, 2023 totaled $556&#160;million as compared to $88&#160;million for the year ended December 31, 2022. For the year ended December 31, 2023, net gains on loan sales, net return on mortgage servicing rights and net loan administration income totaled $274&#160;million compared to $14&#160;million for the year ended December 31, 2022, all driven by a full year of the Flagstar acquisition. The two acquisitions also drove higher fee income, loan administration income and other income driven by mortgage and FDIC loan servicing along with a higher volume of customer based fees.  </span></div><div style="text-align:justify"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257236"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Non-Interest Expense</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Non-interest expense increased $4.3&#160;billion for the year ended December 31, 2023 compared to the year ended December 31, 2022, driven by goodwill impairment in the fourth quarter totaling $2.4&#160;billion. Additionally, merger related expenses increased $223&#160;million due to the closing of the Signature transaction and ongoing integration costs. Excluding the goodwill impairment and merger related expenses, non-interest expense for the year ended December 31, 2023 totaled $2.2&#160;billion as compared to $0.6&#160;billion for the year ended December 31, 2022. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Total operating expenses for the year ended December 31, 2023 were up approximately $1.5&#160;billion compared to the year ended December 31, 2022 primarily driven by a full-year of Flagstar activity and the Signature transaction, which closed in late March of 2023. Included in total operating expenses is a $49&#160;million expense for the FDIC special assessment issued to certain banks nationally related to deposit insurance fund shortfalls, including the assessment issued by the FDIC in February 2024..</span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257248"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Income Tax Expense</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2023, the Company reported a provision for income taxes of $29&#160;million, compared to $176&#160;million for the year ended December 31, 2022. Income tax expense for the current year was impacted by the bargain purchase gain arising from the Signature transaction.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">55</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">RESULTS OF OPERATIONS: 2022 AS COMPARED TO 2021 </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The results of operations comparison of 2022 compared to 2021 can be found in the Company&#8217;s previously filed Annual Report on Form 10-K for the year-ended December&#160;31, 2022 under Item 7 &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations&#8221;- Results of Operations: 2022 As Compared to 2021.&#8221; </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257192"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Signature Transaction - Certain Financial Information</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In accordance with the guidance provided in Staff Accounting Bulletin Topic 1:K, &#8220;Financial Statements of Acquired Troubled Financial Institutions&#8221; (&#8220;SAB 1:K&#8221;) the Company has omitted certain financial information on the Signature Transaction required by Rule 3-05 of Regulation S-X and Article 11 of Regulation S-X. SAB 1:K provides relief from the requirements of Rule 3-05 and Article 11 of Regulation S-X under certain circumstances, including a transaction such as the Signature Transaction, in which the registrant engages in an acquisition of a troubled financial institution for which historical financial statements are not reasonably available or relevant and in which federal assistance is an essential and significant part of the transaction.</span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257470"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">FINANCIAL CONDITION </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Balance Sheet Summary </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Total assets increased $23.9&#160;billion to $114.1&#160;billion as of December&#160;31, 2023, compared to $90.1&#160;billion at December&#160;31, 2022 due to the Signature Transaction, which closed on March 20, 2023, and organic growth. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company acquired approximately $11.7&#160;billion of loans, net of purchase accounting adjustments ("PAA"), $33.5 billion of deposits, net of PAA, and $2.1 billion of other liabilities related to the Signature Transaction.</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Total loans and leases held for investment were $84.6&#160;billion at December&#160;31, 2023 compared to $69.0&#160;billion at December&#160;31, 2022.  The increase was driven by the aforementioned loans acquired from the Signature Transaction and organic loan growth.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The securities portfolio totaled $9.2&#160;billion at December&#160;31, 2023, compared to $9.1&#160;billion at December&#160;31, 2022. As of December&#160;31, 2023, the Company has no held-to-maturity securities portfolio and all of the Company&#8217;s securities were designated as &#8220;Available-for-Sale&#8221;, consistent with December&#160;31, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Total deposits grew $22.8&#160;billion, or 39 percent to $81.5&#160;billion at December&#160;31, 2023 compared to $58.7&#160;billion at December&#160;31, 2022 primarily driven by the deposits assumed in the Signature Transaction. Included in the December&#160;31, 2023 balance are $247&#160;million in non-interest-bearing custodial deposits related to the Signature Transaction.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Wholesale borrowings at December&#160;31, 2023 remained flat at $20.3 billion when compared to December&#160;31, 2022.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">56</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257261"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Loans held-for-investment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the composition of our loan portfolio: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:56.209%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.695%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.280%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.452%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">At December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Loans Held for Investment</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Loans Held for Investment</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,265&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,130&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,470</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,526</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,061</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,821</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,912</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage loans</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,708&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,473&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78.9&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,254&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,276&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,657</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,252</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans held for investment</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,911&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,528&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.1&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases held for investment</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,619&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,001&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses on loans and leases</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(992)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(393)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases held for investment, net</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,627&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,608&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,182</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases, net</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,809&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,723&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loan Maturity and Repricing Analysis</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the maturity or period to repricing of our portfolio of loans held for investment at December&#160;31, 2023. Loans that have adjustable rates are shown as being due in the period during which their interest rates are next subject to change. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"><tr><td style="width:1.0%"/><td style="width:32.079%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.345%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.727%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.041%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.571%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.884%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.583%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi- Family</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial Real Estate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to- Four Family</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, Development, and Construction</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount due:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Within one year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,530&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,233&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,049&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,323&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,149&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">After one year:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One to five years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28,419&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,946&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,775&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,973&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53,167&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over five years to fifteen years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,314&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,263&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">297&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,280&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,179&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over fifteen years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,696&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">63&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,335&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,124&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total due or repricing after one year</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,735&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,237&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,047&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,863&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,588&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,470&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total amounts due or repricing, gross</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,265&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,470&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,061&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,912&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,911&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,619&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">57</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth, as of December&#160;31, 2023, the dollar amount of all loans held for investment that are due after December 31, 2024, and indicates whether such loans have fixed or adjustable rates of interest: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.245%"><tr><td style="width:1.0%"/><td style="width:65.566%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.614%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.395%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.616%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustable</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,758&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,977&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,735&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,381&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,856&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,237&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,201&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,846&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,047&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,742&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,863&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage loans</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,461&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,421&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50,882&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,836&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,752&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,588&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,297&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,173&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70,470&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257273"></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes our production of loans held for investment: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:53.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.280%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.303%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.280%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.015%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loan Originated for Investment:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;Multi-family</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">839&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,387&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,092</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,086</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,739</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">328</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,571</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">149</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.9&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage loans originated for investment</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,241&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,950&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58.4&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans Originated for Investment:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Specialty finance</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,326&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,001&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35.2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,942</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23.9&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,016</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,178</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.7&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans originated for investment</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,446&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.0&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,100&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41.6&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans originated for investment</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,687&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,050&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257285"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Multi-Family Loans </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The multi-family loans we produce are primarily secured by non-luxury residential apartment buildings in New York City that feature rent-regulated units and below-market rents.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The multi-family loan portfolio was $37.3&#160;billion at December&#160;31, 2023, down slightly compared to $38.1&#160;billion at December&#160;31, 2022 due to a combination of higher interest rates and our loan diversification strategy.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The majority of our multi-family loans were secured by rental apartment buildings.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">At December&#160;31, 2023, $21.1&#160;billion or 57 percent of the Company&#8217;s total multi-family loan portfolio is secured by properties in New York State, of which $18.3&#160;billion are subject to rent regulation laws.</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Of the $18.3 billion properties subject to rent regulation, approximately 38 percent are currently in an interest only period.</span><span style="color:#000000;font-family:'Calibri',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The weighted average LTV of the New York State rent regulated multi-family portfol</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">io was 58 percent </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">as of </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">December&#160;31, 2023 as compared to 57 percent at</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">December&#160;31, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to underwriting multi-family loans on the basis of the buildings&#8217; income and condition, we consider the borrowers&#8217; credit history, profitability, and building management expertise. Borrowers are required to present evidence of their ability to repay the loan from the buildings&#8217; current rent rolls, their financial statements, and related documents.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While a percentage of our multi-family loans are ten-year fixed rate credits, the vast majority of our multi-family loans feature a term of ten or twelve years, with a fixed rate of interest for the first five or seven years of the loan, and an alternative </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">58</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">rate of interest in years six through ten or eight through twelve. The rate charged in the first five or seven years is generally based on intermediate-term interest rates plus a spread. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the remaining years, the loan resets to an annually adjustable rate that is indexed to CME Term SOFR or Prime, plus a spread. Alternately, the borrower may opt for a fixed rate that is tied to the five-year fixed advance rate of the FHLB-NY, plus a spread. The fixed-rate option also requires the payment of one percentage point of the then-outstanding loan balance. In either case, the minimum rate at repricing is equivalent to the rate in the initial five-or seven-year term. As the rent roll increases, the typical property owner seeks to refinance the mortgage, and generally does so before the loan reprices in year six or eight. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Multi-family loans that refinance within the first five or seven years are typically subject to an established prepayment penalty schedule. Depending on the remaining term of the loan at the time of prepayment, the penalties normally range from five percentage points to one percentage point of the then-current loan balance. If a loan extends past the fifth or seventh year and the borrower selects the fixed-rate option, the prepayment penalties typically reset to a range of five points to one point over years six through ten or eight through twelve. For example, a ten-year multi-family loan that prepays in year three would generally be expected to pay a prepayment penalty equal to three percentage points of the remaining principal balance. A twelve-year multi-family loan that prepays in year one or two would generally be expected to pay a penalty equal to five percentage points. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because prepayment penalties assessed to the borrower are recorded as interest income, they are reflected in the average yields on our loans and interest-earning assets, our net interest rate spread and net interest margin, and the level of net interest income we record. No assumptions are involved in the recognition of prepayment income, as such income is recorded when the cash is received.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Our success as a multi-family lender partly reflects the solid relationships we have developed with the market&#8217;s leading mortgage brokers and generational direct relationships, who are familiar with our lending practices, our underwriting standards, and our long-standing practice of basing our loans on the cash flows produced by the properties. The process of producing such loans is generally four to six weeks in duration.</span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We primarily underwrite our multi-family loans based on the current cash flows produced by the collateral property, with a reliance on the &#8220;income&#8221; approach to appraising the properties, rather than the &#8220;sales&#8221; approach. We also consider a variety of other factors, including the physical condition of the underlying property; the net operating income of the mortgaged premises prior to debt service; the DSCR, which is the ratio of the property&#8217;s net operating income to its debt service; and the ratio of the loan amount to the appraised value (i.e., the LTV) of the property. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to requiring a minimum DSCR of 120 percent on multi-family buildings at origination, we obtain a security interest in the personal property located on the premises, and an assignment of rents and leases. Our multi-family loans generally represent no more than 75 percent of the lower of the appraised value or the sales price of the underlying property, and typically feature an amortization period of 30 years. In addition, our multi-family loans may contain an initial interest-only period which typically does not exceed two years; however, these loans are underwritten on a fully amortizing basis. Exceptions to these levels are made to borrowers on a case by case basis and approved by the joint authority of credit and lending officers and when necessary, the Board Credit Committee of the Board.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We continue to monitor our loans held for investment portfolio and the related allowance for credit losses, particularly given the economic pressures facing the commercial real estate and multi-family markets.  In general, buildings that are subject to rent regulation have historically tended to be stable, with occupancy levels remaining more or less constant over time. Because the rents are typically below market and the buildings securing our loans are generally maintained in good condition, they have been more likely to retain their tenants in adverse economic times. In addition, we generally exclude any short-term property tax exemptions and abatement benefits the property owners receive when we underwrite our multi-family loans. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">59</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents a geographical analysis of the multi-family loans in our held-for-investment loan portfolio: </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"><tr><td style="width:1.0%"/><td style="width:64.184%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.259%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">At December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-Family Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York City:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Manhattan</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,893&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Brooklyn</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,840&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bronx</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,619&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Queens</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,831&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Staten Island</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total New York City</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,316&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New Jersey</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,064&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long Island</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">509&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Metro New York</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,889&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other New York State</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,233&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pennsylvania </span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,682&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Florida</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,681&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ohio</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,085&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Arizona</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">434&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">All other states</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,261&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,265&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257297"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Commercial Real Estate</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, CRE loans represented $10.5&#160;billion, or 12 percent, of total loans held for investment, reflecting a $2.0&#160;billion increase when compared to $8.5&#160;billion at December&#160;31, 2022. Approximately $1.9&#160;billion of CRE loans were acquired in the Signature Transaction.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">CRE loans represented $1.1&#160;billion, or 5 percent, of the loans we originated for the year ended December 31, 2023 as compared to $1.1&#160;billion, or 6 percent for the year ended December 31, 2022.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The CRE loans we produce are secured by income-producing properties such as office buildings, retail centers, mixed-use buildings, and multi-tenanted light industrial properties. At December&#160;31, 2023, the largest concentration of CRE loans were secured by properties in the metro New York City area. Refer to the Geographical Analysis table included below for additional details.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Approximately $3.4&#160;billion of the CRE portfolio are office properties with an average balance of approximately $10&#160;million and located primarily in the New York metro area. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The terms of more than half of our CRE loans primarily feature a fixed rate of interest for the first five years of the loan that is generally based on intermediate-term interest rates plus a spread. In addition to customary fixed rate terms, we now also offer floating rates advances indexed to CME Term SOFR.  These products are generally offered in combination with interest rate cap or swaps that provide borrowers with additional optionality to manage their interest rate risk. Following the initial fixed rate period, the loan resets to an adjustable interest rate that is indexed to CME Term SOFR or Prime, plus a spread. Alternately, the borrower may opt for a fixed rate that is tied to the five-year fixed advance rate of the FHLB-NY plus a spread. The fixed-rate option also requires the payment of an amount equal to one percentage point of the then-outstanding loan balance. In either case, the minimum rate at repricing is equivalent to the rate in the initial five- or seven-year term.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prepayment penalties apply to certain of our CRE loans. Depending on the remaining term of the loan at the time of prepayment, the penalties normally range from five percentage points to one percentage point of the then-current loan balance. </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">60</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If a loan extends past the fifth or seventh year and the borrower selects the fixed rate option, the prepayment penalties typically reset to a range of five points to one point over years six through ten or eight through twelve. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We originate CRE loans in adherence with underwriting standards, and require that such loans qualify on the basis of the property&#8217;s current income stream and DSCR. The approval of a loan primarily depends on the borrower&#8217;s credit history, profitability, and expertise in property management, and generally requires a minimum DSCR of 130 percent and a maximum LTV of 65 percent. In addition, the origination of CRE loans typically requires a security interest in the fixtures, equipment, and other personal property of the borrower and/or an assignment of the rents and/or leases. In addition, certain of our CRE loans may contain an interest-only period which typically does not exceed three years; however, these loans are underwritten on a fully amortizing basis. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents a geographical analysis of the CRE loans in our held-for-investment loan portfolio:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"><tr><td style="width:1.0%"/><td style="width:62.648%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.025%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.027%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">At December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial Real Estate Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,319&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Michigan</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New Jersey</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">580&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Florida</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">457&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Texas</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pennsylvania</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">374&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ohio</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">All other states</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,503&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,470&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257309"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Acquisition, Development, and Construction Loans</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, our ADC loans represented $2.9&#160;billion, or 3 percent, of total loans held for investment, reflecting an increase of $916&#160;million compared to December&#160;31, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because ADC loans are generally considered to have a higher degree of credit risk, especially during a downturn in the credit cycle, borrowers are required to provide a guarantee of repayment and completion. The risk of loss on an ADC loan is largely dependent upon the accuracy of the initial appraisal of the property&#8217;s value upon completion of construction; the developer&#8217;s experience; the estimated cost of construction, including interest; and the estimated time to complete and/or sell or lease such property.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When applicable, as a condition to closing an ADC loan, it is our practice to require that properties meet pre-sale or pre-lease requirements prior to funding. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257321"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">C&amp;I Loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 C&amp;I loans totaled $25.3&#160;billion or 30 percent of total loans held-for-investment. Included in this portfolio is $5.1 billion in warehouse loans that allow mortgage lenders to fund the closing of residential mortgage loans.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The non-warehouse C&amp;I loans we produce are primarily made to small and mid-size businesses and finance companies. Such loans are tailored to meet the specific needs of our borrowers, and include term loans, demand loans, revolving lines of credit, and, to a much lesser extent, loans that are partly guaranteed by the Small Business Administration. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A broad range of C&amp;I loans, both collateralized and unsecured, are made available to businesses for working capital (including inventory and accounts receivable), business expansion, the purchase of machinery and equipment, and other general corporate needs. In determining the term and structure of C&amp;I loans, several factors are considered, including the purpose, the collateral, and the anticipated sources of repayment. C&amp;I loans are typically secured by business assets and personal guarantees of the borrower, and include financial covenants to monitor the borrower&#8217;s financial stability. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">61</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Also included in our C&amp;I portfolio is our national warehouse lending platform with relationship managers across the country. We offer warehouse lines of credit to other mortgage lenders which allow the lender to fund the closing of residential mortgage loans. Each extension, advance, or draw-down on the line is fully collateralized by residential mortgage loans and is paid off when the lender sells the loan to an outside investor or, in some instances, to the Bank.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Underlying mortgage loans are predominantly originated using the agencies' underwriting standards. The guideline for debt to tangible net worth is 15 to 1. At December&#160;31, 2023, we had $5.1 billion outstanding warehouse loans to other mortgage lenders and have relationships in place to lend up</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> to</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $11.8&#160;billion at our discretion. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The interest rates on our C&amp;I loans can be fixed or floating, with floating-rate loans being tied to SOFR, prime or some other market index, plus an applicable spread. Our floating-rate loans may or may not feature a floor rate of interest. The decision to require a floor on C&amp;I loans depends on the level of competition we face for such loans from other institutions, the direction of market interest rates, and the profitability of our relationship with the borrower. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257333"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Specialty Finance</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, specialty finance loans and leases totaled $5.2&#160;billion </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">or 6 percent of total loans held for investment, up $769&#160;million or 17 percent compared to December&#160;31, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We produce our specialty finance loans and leases through a subsidiary that is staffed by a group of industry veterans with expertise in originating and underwriting senior securitized debt and equipment loans and leases. The subsidiary participates in syndicated loans that are brought to them, and equipment loans and leases that are assigned to them, by a select group of nationally recognized sources, and are generally made to large corporate obligors, many of which are publicly traded, carry investment grade or near-investment grade ratings, and participate in stable industries nationwide. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The specialty finance loans and leases we fund fall into three categories: asset-based lending, dealer floor-plan lending, and equipment loan and le</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ase financing. Each of these credits is secured with a perfected first security interest in, or outright ownership of, the underlying collateral, and structured as senior debt or as a non-cancelable lease.  As of December&#160;31, 2023, 84 percent of specialty finance loan commitments are structured as floating rate obligations which will benefit in a rising rate environment.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, the Company originated $7.3&#160;billion of specialty finance loans and leases, representing 35 percent of total originations compared to $6.0&#160;billion for the same period in 2022, representing 35 percent of total originations.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Since launching our specialty finance business in the third quarter of 2013, no losses have been recorded on any of the loans or leases in this portfolio. </span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257345"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">One-to-Four Family Loans </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, one-to-four family loans represented $6.1&#160;billion, including $996&#160;million of LGG, or 7 percent, of total loans held for investment. </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, the repurchase liability on LGG loans was $456&#160;million. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2022 one-to-four family loans totaled $5.8&#160;billion. These loans include various types of conforming and non-conforming fixed and adjustable rate loans underwritten using Fannie Mae and Freddie Mac guidelines for the purpose of purchasing or refinancing owner occupied and second home properties. We typically hold certain mortgage loans in LHFI that do not qualify for sale to the Agencies and that have an acceptable yield and risk profile. The LTV requirements on our residential first mortgage loans vary depending on occupancy, property type, loan amount, and FICO scores. Loans with LTVs exceedi</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ng 80 percent are required to obtain mortgage insurance. As of December&#160;31, 2023, non-government guaranteed loans in this portfolio had an average current</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> FICO scor</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">e of 741 and an average LTV of 53.  </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Substantially all LGG are insured or guaranteed by the FHA or the U.S. Department of Veterans Affairs. Nonperforming repurchased loans in this portfolio earn interest at a rate based upon the 10-year U.S. Treasury note rate from the time the underlying loan becomes 60 days delinquent until the loan is conveyed to HUD (if foreclosure timelines are met), which is not paid by the FHA until claimed. The Bank has a unilateral option to repurchase loans sold to GNMA if the loan is due, but unpaid, for three consecutive months (typically referred to as 90 days past due) and can recover losses through a claims process from the guarantor. These loans are recorded in loans held for investment and the liability to repurchase the loans is recorded in other liabilities on the Consolidated Statements of Condition. Certain loans within our portfolio may be subject to indemnifications and insurance limits which expose us to limited credit risk. We have reserved for these risks within other assets and as a component of our ACL on residential first mortgages. </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">62</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257357"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Other Loans </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, other loans totaled $2.7&#160;billion and consisted primarily of home equity lines of credit, boat and recreational vehicle indirect lending, point of sale consumer loans and other consumer loans, including overdraft loans.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our home equity portfolio includes HELOANs, second mortgage loans, and HELOCs. These loans are underwritten and priced in an effort to ensure credit quality and loan profitability. Our debt-to-income ratio on HELOANs and HELOCs is capped at 43 percent and 45 percent, respectively. We currently limit the maximum CLTV to 89.99 percent and FICO scores to a minimum of 700. Se</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">cond mortgage loans and HELOANs are fixed rate loans and are available with terms up to 20 years. HELOC loans are primarily variable-rate loans that contain a 10-year interest only draw period followed by a 20-year amortizing period. As of December&#160;31, 2023, loans in this portfolio had an average current FICO score of 751.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, loans in our indirect portfolio had an average current FICO score of 743. Point of sale loans consist of unsecured consumer installment loans originated primarily for home improvement purposes throug</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">h a third-party financial technology company who also provides us a level of credit loss protection.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257369"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held for Sale </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held-for-sale at December&#160;31, 2023 totaled $1.2&#160;billion, up from $1.1&#160;billion at December&#160;31, 2022.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> The </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Signature Transaction contributed $360&#160;million of Small Business Administration ("SBA") loans to this increase. We classify loans as held for sale when we originate or purchase loans that we intend to sell. We have elected the fair value option for nearly all of this portfolio, except the SBA loans. We estimate the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257377"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Credit Quality</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan generally is classified as a &#8220;non-accrual&#8221; loan when it is 90 days or more past due or when it is deemed to be impaired because we no longer expect to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, we cease the accrual of interest owed, and previously accrued interest is reversed and charged against interest income. At December&#160;31, 2023 and December&#160;31, 2022, all of our non-performing loans were non-accrual loans.  A loan is generally returned to accrual status when the loan is current and we have reasonable assurance that the loan will be fully collectible. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We monitor non-accrual loans both within and beyond our primary lending area in the same manner. Monitoring loans generally involves inspecting and re-appraising the collateral properties; holding discussions with the principals and managing agents of the borrowing entities and retain legal counsel, as applicable; requesting financial, operating, and rent roll information; confirming that hazard insurance is in place or force-placing such insurance; monitoring tax payment status. advancing funds as needed; and seeking approval from the courts to appoint a receiver, when necessary to protect the Bank&#8217;s interests, including to collect rents, manage property operations, and ensure maintenance of the collateral properties. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It is our policy to order updated appraisals for all non-performing loans 90 days or more past due that are collateralized by multi-family buildings, CRE properties, or land, if the most recent appraisal on file for the property is more than one year old. Appraisals are ordered annually until such time as the loan becomes performing and is returned to accrual status. It is not our policy to obtain updated appraisals for performing loans. However, appraisals may be ordered for performing loans when a borrower requests an increase in the loan amount, a modification in loan terms, or an extension of a maturing loan. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Non-performing loans are reviewed regularly by management and discussed on a monthly basis with the Board Credit Committee, and the Board of Directors of the Bank, as applicable. In accordance with our charge-off policy, collateral-dependent non-performing loans are written down to their current appraised values, less certain transaction costs. Workout specialists from our Loan Workout Unit actively pursue borrowers who are delinquent in repaying their loans in an effort to collect payment. In addition, outside counsel with experience in foreclosure proceedings are retained to institute such action with regard to such borrowers. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Properties and other assets that are acquired through foreclosure are classified as repossessed assets, and are recorded at fair value at the date of acquisition, less the estimated cost of selling the property. Subsequent declines in the fair value of the assets are charged to earnings and are included in non-interest expense. It is our policy to require an appraisal and an </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">63</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">environmental assessment of properties classified as OREO before foreclosure, and to re-appraise the properties on an as-needed basis, and not less than annually, until they are sold. We dispose of such properties as quickly and prudently as possible, given current market conditions and the property&#8217;s condition.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To mitigate the potential for credit losses, we underwrite our loans in accordance with credit standards that we consider to be prudent. In the case of multi-family and CRE loans, we look first at the consistency of the cash flows being generated by the property to determine its economic value using the &#8220;income approach,&#8221; and then at the market value of the property that collateralizes the loan. The amount of the loan is then based on the lower of the two values, with the economic value more typically used. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The condition of the collateral property is another critical factor. Multi-family buildings and CRE properties are inspected from rooftop to basement as a prerequisite to approval. Furthermore, independent appraisers, whose appraisals are carefully reviewed by our experienced in-house appraisal officers and staff, perform appraisals on collateral properties. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, we work with a select group of mortgage brokers who are familiar with our credit standards and whose track record with our lending officers is typically greater than ten years. Furthermore, in New York City, where the majority of the buildings securing our multi-family loans are located, the rents that tenants may be charged on certain apartments are typically restricted under certain rent-control or rent-stabilization laws. As a result, the rents that tenants pay for such apartments are generally lower than current market rents. Buildings with a preponderance of such rent-regulated apartments are less likely to experience vacancies in times of economic adversity. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To further manage our credit risk, our lending policies limit the amount of credit granted to any one borrower, and typically require minimum DSCRs of 120 percent for multi-family loans and 130 percent for CRE loans. At origination, we typically lend up to 75 percent of the appraised value on multi-family buildings and up to 65 percent on commercial properties. </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Exceptions to these DSCR and LTV limitations are minimal and approved by the joint authority of credit and lending officers and when necessary, the Board Credit Committee of the Board. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">With regard to ADC loans, we typically lend up to 75 percent of the estimated as-completed market value of multi-family and residential tract projects; however, in the case of home construction loans to individuals, the limit is 80 percent. With respect to commercial construction loans, we typically lend up to 65 percent of the estimated as-completed market value of the property. Credit risk is also managed through the loan disbursement process. Loan proceeds are disbursed periodically in increments as construction progresses, and as warranted by inspection reports provided to us by our own lending officers and/or consulting engineers.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To minimize the risk involved in specialty finance lending and leasing, each of our credits is secured with a perfected first security interest or outright ownership in the underlying collateral, and structured as senior debt or as a non-cancellable lease. To further minimize the risk involved in specialty finance lending and leasing, we re-underwrite each transaction. In addition, we retain outside counsel to conduct a further review of the underlying documentation. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other C&amp;I loans generally represent loans to commercial businesses which meet certain desired client characteristics and credit standards.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The credit standards for commercial borrowers are based on numerous criteria, including historical and projected financial information, strength of management, acceptable collateral, and market conditions and trends in the borrower&#8217;s industry.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These loans are generally variable rate loans in which the interest rate fluctuates with a specified index rate.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The procedures we follow with respect to delinquent loans are generally consistent across all categories, with late charges assessed, and notices mailed to the borrower, at specified dates. We attempt to reach the borrower by telephone to ascertain the reasons for delinquency and the prospects for repayment. When contact is made with a borrower at any time prior to foreclosure or recovery against collateral property, we attempt to obtain full payment, and will consider a repayment schedule to avoid taking such action. Delinquencies are addressed by our Loan Workout Unit and every effort is made to collect rather than initiate foreclosure proceedings. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair values for all multi-family buildings, CRE properties, and land are determined based on the appraised value. If an appraisal is more than one year old and the loan is classified as either non-performing or as an accruing TDM, then an updated appraisal is required to determine fair value. Estimated disposition costs are deducted from the fair value of the property to determine estimated net realizable value. In the instance of an outdated appraisal on an impaired loan, we adjust the original appraisal by using a third-party index value to determine the extent of impairment until an updated appraisal is received.</span></div><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">64</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_3012"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Asset Quality Measures</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the Company's asset quality measures at the respective dates:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"><tr><td style="width:1.0%"/><td style="width:67.181%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.024%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.387%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.908%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-performing loans to total loans held for investment</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.51&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.20&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-performing assets to total assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.39&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses on loans and leases to non-performing loans</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">231.51&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">278.87&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses on loans and leases to total loans held for investment</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.57&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_3049"></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Non-Performing Loans</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents our non-performing loans held for investment by loan type and the changes in the respective balances: </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:54.163%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.496%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.642%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.131%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change from</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">to</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-Performing Loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-accrual mortgage loans:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total non-accrual mortgage loans</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">363&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other non-accrual loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total non-performing loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">428&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">287&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Repossessed assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total non-performing assets</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">442&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">153&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">289&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes LGG that are insured by U.S government agencies. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Unpaid principal balance.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes home equity, consumer and other loans.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the changes in non-accrual loans for the year ended December 31, 2023: </span></div><div style="padding-left:36pt;text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:83.549%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.251%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December&#160;31, 2022</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New non-accrual, including acquired from acquisition</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">466&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(97)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transferred to repossessed assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan payoffs, including dispositions and principal pay-downs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Restored to performing status</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December&#160;31, 2023</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">428&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="padding-left:36pt;text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 total non-accrual mortgage loans increased $238&#160;million to $363&#160;million, while commercial and industrial loans increased $40&#160;million to $43 million  and other non-accrual loans increased $9&#160;million to $22&#160;million compared to December&#160;31, 2022. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, NPA to total assets equaled 0.39 percent compared to 0.17 percent at December&#160;31, 2022 while NPL to total loans equaled 0.51 percent compared to 0.20 percent at December&#160;31, 2022. The increase in NPLs was primarily driven by a $125&#160;million increase in multi-family loans and a $108&#160;million in commercial real estate loans, primarily office. Repossessed assets of $14&#160;million were slightly higher compared to $12&#160;million in the prior year.</span></div><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">65</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_3031"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div style="text-indent:36pt"><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Delinquencies</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents our loans, 30 to 89 days past due by loan type and the changes in the respective balances: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:49.192%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.350%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.695%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.530%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.577%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change from</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">to</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans 30 to 89 Days Past Due</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">:</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">87&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NM</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1750&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans 30-89 days past due</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">257&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes LGG that are insured by U.S government agencies. </span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257389"></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses</span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the allocation of the consolidated allowance for losses on loans, at each year-end: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:31.209%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.695%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.081%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.648%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.180%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.209%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.358%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">At December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total Loans and Leases</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total Loans and Leases</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total Loans and Leases</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">76&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">366</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage loans</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Percentages represent the percentage of each loan and lease category to total loans and leases</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses on loans and leases increased $599&#160;million from December&#160;31, 2022 to December&#160;31, 2023. The day 1 impact of the Signature Transaction that closed on March 20, 2023 added $127 million to the reserve. The remaining net increase of approximately $472 million primarily reflects our actions to build reserves during the fourth quarter to address weakness in the office sector, potential repricing risk in the multi-family portfolio and conditions leading to increases in classified assets, which better aligns the Company with its relevant bank peers, including Category IV banks. The allowance for credit losses on loans and leases represented 232 percent of non-performing loans at December&#160;31, 2023, as compared to 279 percent at the prior year-end. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based on the acceleration of asset quality metric deterioration and collateral value trends observed during 4Q23, predominantly in office, management employed its judgment and qualitative reserves were increased to the higher end of the range as of December&#160;31, 2023. In applying this judgement, management also considered the severity of emerging risks such as feedback from regulators, market information, the impact of potential internal loan review weaknesses on the identification of emerging risks, deterioration in collateral values or borrower financial statements, trends or indications of degradation in asset quality metrics such as problem loans, charge-offs and nonaccruals, and market indications. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_3067"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Charge-offs</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2023, our gross charge-offs were $223&#160;million and net charge-offs were $208&#160;million, com</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">pared to gross charge-offs of $7&#160;million and net recoveries of $4&#160;million over the same period in 2022.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">66</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information on the Company's net charge-offs:</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">                    </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%"><tr><td style="width:1.0%"/><td style="width:72.429%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.841%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.388%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.842%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Charge-offs:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family residential</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total charge-offs</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Recoveries:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family residential </span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total recoveries</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs (recoveries)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:36pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">67</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information on the Company's net charge-offs as compared to average loans held for investment outstanding:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:62.350%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.765%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.157%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.160%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs during the period</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average amount outstanding</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,839&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,292&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,424&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.31&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs during the period</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average amount outstanding</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,905&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,964&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,489&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.57&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.04&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-Four Family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs during the period</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average amount outstanding</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,907&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">516&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.06&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.52&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, Development and Construction</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs during the period</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average amount outstanding</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,530&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">203&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">152&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial Loans</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs during the period</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average amount outstanding</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,460&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs as a percentage of average loans</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.09&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs (recoveries) during the period</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average amount outstanding</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,552&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,401&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,944&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs (recoveries) as a percentage of average loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.38&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.09)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.12)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs (recoveries) during the period</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Average amount outstanding</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80,193&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,376&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43,200&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net charge-offs (recoveries) as a percentage of average loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.01)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257373"></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Lending Authority</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We maintain credit limits in compliance with regulatory requirements. Under regulatory guidance, the Bank may not make a loan or extend credit to a single or related group of borrowers in excess of 15 percent of Tier 1 plus Tier 2 capital and any portion of the ACL not included in Tier 2 capital. We have a tracking and reporting process to monitor lending concentration levels, and all new commercial real estate credit exposures to relationships that exceed $200 million and all other commercial credit exposures to relationships that exceed $100 million must be approved by the Board Credit Committee of the Board. Exceptions to these levels are made to borrowers on a case by case basis, with the approval of the Board Credit Committee of the Board. Relationships less than the aforementioned limits including those discussed throughout the loans held for investment section of this document, are approved by the joint authority of credit officers and lending officers. The Board Credit Committee has authority to direct changes in lending practices as they deem necessary or appropriate in order to address individual or aggregate risks, including regulatory considerations, and credit exposures in accordance with the Bank&#8217;s strategic objectives and risk appetites.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">68</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the largest mortgage loan in our portfolio wa</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">s a $329&#160;million multi-family </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">loan, which is collateralized by properties located in Brooklyn, New York. As of the date of this report, the loan has been current since origination.</span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257401"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Securities </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Total securities were $9.2&#160;billion, or 8 percent, of total assets at December&#160;31, 2023, </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">compared to $9.1&#160;billion, or 10 percent of total assets at December&#160;31, 2022</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.  At December&#160;31, 2023 and December&#160;31, 2022, all of our securities were designated as &#8220;Available-for-Sale&#8221;.  At December&#160;31, 2023, 12 percent of our portfolio are floating rate securities.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">As of December&#160;31, 2023, the net unrealized loss on securities available for sale, net of tax, was $581&#160;million as compared to $626&#160;million at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">December&#160;31, 2022, reflecting the rising interest rate environment.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, available-for-sale securities had an estimated weighted average life of six years. Included in the quarter-end amount were mortgage-related securities of $6.6&#160;billion and other debt securities of $2.6&#160;billion. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At the prior year-end, available-for-sale securities were $9.1&#160;billion, and had an estimated weighted average life of six years. Mortgage-related securities accounted for $4.8&#160;billion of the year-end balance, with other debt securities accounting for the remaining $4.3&#160;billion. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The following table summarizes the weighted average yields of debt securities for the maturities indicated at December&#160;31, 2023:</span></div><div style="text-align:justify;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"><tr><td style="width:1.0%"/><td style="width:50.359%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.420%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.039%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-<br/>Related<br/>Securities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S.<br/>Government<br/>and GSE<br/>Obligations</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State,<br/>County,<br/>and<br/>Municipal</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities&#160;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Available-for-Sale Debt Securities: </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due within one year</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.65&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due from one to five years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.33&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.42&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.53&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due from five to ten years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.73&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.61&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.16&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.05&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after ten years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.74&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.09&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.27&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.16&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.56&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The weighted average yields are calculated by multiplying each carrying value by its yield and dividing the sum of these results by the total carrying values and are not presented on a tax-equivalent basis.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes corporate bonds, capital trust notes, foreign notes, and asset-backed securities.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257405"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Federal Reserve and Federal Home Loan Bank Stock </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 the Company had $861&#160;million and $329&#160;million of FHLB-NY stock, at cost, and FHLB-Indianapolis stock, at cost, respectively. At December&#160;31, 2022, the Company had $762&#160;million and $329&#160;million of FHLB-NY stock, at cost and FHLB-Indianapolis stock, at cost, respectively. The Company maintains an investment in FHLB-NY stock and, as a result of the Flagstar acquisition, FHLB-Indianapolis stock, partly in conjunction with its membership in the FHLB and partly related to its access to the FHLB funding it utilizes.  In addition, the Company had Federal Reserve Bank stock, at cost, of $203&#160;million and $176&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257409"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Bank-Owned Life Insurance </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">BOLI is recorded at the total cash surrender value of the policies in the Consolidated Statements of Condition, and the income generated by the increase in the cash surrender value of the policies is recorded in &#8220;Non-interest income&#8221; in the Consolidated Statements of Income and Comprehensive Income. Reflecting an increase in the cash surrender value of the underlying policies, our investment in BOLI </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">at </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023 rose </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$19&#160;million to</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$1.6&#160;billion compared to </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2022.</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">69</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257413"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Goodwill</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We record goodwill in our consolidated statements of condition in connection with certain of our business combinations. Goodwill, which is tested at least annually for impairment, refers to the difference between the purchase price and the fair value of an acquired company&#8217;s assets, net of the liabilities assumed. As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price. We evaluated those conditions known and knowable by the Company and how a market participant would view the control premium as confirmed by the subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of the shortfall which was calculated to be in excess of the goodwill balance. The Company&#8217;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023. As a result, the Company recorded an impairment charge of the entire goodwill balance of $2.4&#160;billion. </span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2951"></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257429"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Parent Company Liquidity</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Parent Company is a separate legal entity from the Bank and must provide for its own liquidity. At December&#160;31, 2023 the Parent Company held cash and cash equivalents of $158 million. In addition to operating expenses, the Parent Company is responsible for paying any dividends declared to our common and preferred stockholders. As a Delaware corporation, the Parent Company is able to pay dividends either from surplus or, in case there is no surplus, from net profits for the fiscal year in which the dividend is declared and/or the preceding fiscal year. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Parent Company has three primary funding sources for the payment of dividends, share repurchases, and other corporate uses: dividends paid to the Parent Company by the Bank; capital raised through the issuance of equity; and funding raised through the issuance of debt instruments. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Various legal restrictions limit the extent to which the Company&#8217;s subsidiary bank can supply funds to the Parent Company and its non-bank subsidiaries. The Bank would require the approval of the OCC if the dividends it declares in any calendar year were to exceed the total of its respective net profits for that year combined with its respective retained net profits for the preceding two calendar years, less any required transfer to paid-in capital. The term &#8220;net profits&#8221; is defined as net income for a given period less any dividends paid during that period. As a result of our acquisition of Flagstar, we are also required to seek regulatory approval from the OCC for the payment of any dividend to the Parent Company through at least the period ending November 1, 2024. In connection with receiving regulatory approval from the OCC for the Signature Transaction, the Bank has committed that (i) for a period of two years from the date of the Signature Transaction, it will not declare or pay any dividend without receiving a prior written determination of no supervisory objection from the OCC and (ii) it will not declare or pay dividends on the amount of retained earnings that represents any net bargain purchase gain that is subject to a conditional period that may be imposed by the OCC.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2023, dividends of $580&#160;million were paid by the Bank to the Parent Company. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, we believe the Company has sufficient liquidity and capital resources to meet its cash flow obligations over the next 12 months and for the foreseeable future.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257417"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Bank Liquidity</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We manage our liquidity to ensure that our cash flows are sufficient to support our operations, and to compensate for any temporary mismatches between sources and uses of funds caused by variable loan and deposit demand. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We monitor our liquidity daily to ensure that sufficient funds are available to meet our financial obligations. The following table presents available sources of liquidity as of December&#160;31, 2023:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"><tr><td style="width:1.0%"/><td style="width:81.234%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.566%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(Dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,475&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unencumbered investment securities</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB borrowing availability</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,400&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Reserve Bank borrowing availability through the&#160;discount&#160;window</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,700&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Ready Liquidity</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,875&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On a consolidated basis, our funding primarily stems from a combination of the following sources: retail, institutional, and brokered deposits; borrowed funds, primarily in the form of wholesale borrowings; cash flows generated through the repayment and sale of loans; and cash flows generated through the repayment and sale of securities. </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">70</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">CDs due to mature or reprice in one year or less from December&#160;31, 2023 totaled $17.3&#160;billion, representing 80 percent of total CDs at that date. Our ability to attract and retain retail deposits, including CDs, depends on numerous factors, including, among others, the convenience of our branches and our other banking channels; our customers&#8217; satisfaction with the service they receive; the rates of interest we offer; the types of products we feature; and the attractiveness of their terms.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our decision to compete for deposits also depends on numerous factors, including, among others, our access to deposits through acquisitions, the availability of lower-cost funding sources, the impact of competition on pricing, and the need to fund our loan demand. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257421"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Deposits </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our ability to retain and attract deposits depends on numerous factors, including customer satisfaction, the rates of interest we pay, the types of products we offer, and the attractiveness of their terms. The vast majority of our deposits are retail in nature (i.e., they are deposits we have gathered through our branches or through business combinations).</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depending on their availability and pricing relative to other funding sources, we also include brokered deposits in our deposit mix. Brokered deposits accounted for $9.5&#160;billion of our deposits at December&#160;31, 2023, compared to $5.1&#160;billion</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">at December&#160;31, 2022. Brokered money market accounts represented $1.3&#160;billion of total brokered deposits at December&#160;31, 2023 and $2.8&#160;billion at December&#160;31, 2022; brokered interest-bearing checking accounts represented $1.6&#160;billion and $1.0&#160;billion, respectively. At December&#160;31, 2023, we had </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$6.6&#160;billion of brokered CDs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, compared to $1.3&#160;billion at December&#160;31, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our uninsured deposits are the portion of deposit accounts that exceed the FDIC insurance limit (currently $250,000). These amounts were estimated based on the same methodologies and assumptions used for regulatory reporting purposes and excludes internal accounts. At December&#160;31, 2023 our deposit base includes $29.3 billion of uninsured deposits, a net increase of $12.9&#160;billion as compared to December&#160;31, 2022 due to the Signature Transaction. This represents 36 percent of our total deposits. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table indicates the amount of time deposits, by account, that are in excess of the FDIC insurance limit (currently $250,000) by time remaining until maturity:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:69.248%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.434%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.437%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Portion of U.S. time deposits in excess of insurance limit</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,893&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,749&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;text-indent:10pt;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Time deposits otherwise uninsured with a maturity of:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3 months or less</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,675&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">969&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Over 3 months through 6 months</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,623&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">604&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Over 6 months through 12 months</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,325&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,269&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Over 12 months</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,271&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">907&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Total time deposits otherwise uninsured</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">7,894&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3,749&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="text-align:justify"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257425"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Borrowed Funds </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The majority of our borrowed funds are wholesale borrowings (FHLB-NY and FHLB-Indianapolis advances), Bank Term Funding Program of the FRB of New York and, to a lesser extent, junior subordinated debentures and subordinated notes. At December&#160;31, 2023, total borrowed funds decreased $65 million to $21.3&#160;billion compared to the balance at December&#160;31, 2022. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Wholesale Borrowings </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Wholesale borrowings totaled $20.3 billion at December&#160;31, 2023 and 2022.   </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FHLB-NY and FHLB-Indianapolis advances accounted for $19.3&#160;billion and $20.3&#160;billion at December&#160;31, 2023 and December&#160;31, 2022, respectively. Pursuant to blanket collateral agreements with the Bank, our FHLB-NY, FHLB-Indianapolis advances and overnight advances are secured by pledges of certain eligible collateral in the form of loans and securities. At December&#160;31, 2023 and December&#160;31, 2022, $2.0 billion and $6.8 billion of our wholesale borrowings had callable features, respectively.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">71</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s wholesale borrowings also include the $1.0&#160;billion drawn on the BTFP. The BTFP draw is secured by pledges of certain eligible collateral in the form of securities eligible for purchase by the Federal Reserve Banks in open market operations (for example, U.S. Treasuries, U.S. agency securities, and U.S. agency mortgage-backed securities).</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We had no federal funds outstanding at December&#160;31, 2023 and December&#160;31, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Junior Subordinated Debentures </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Junior subordinated debentures totaled </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$579&#160;million at December&#160;31, 2023 compared to $575&#160;million</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> at </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Subordinated Notes </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the balance of subordinated notes was $438&#160;million compared to $432 million at December&#160;31, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">See Note 12 - Borrowed Funds,&#8221; in Item 8, &#8220;Financial Statements and Supplementary Data&#8221; for a further discussion of our wholesale borrowings, our junior subordinated debentures and subordinated debt.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257433"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Contractual Obligations</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the normal course of business, we enter into a variety of contractual obligations in order to manage our assets and liabilities, fund loan growth, operate our branch network, and address our capital needs. These obligations include commitments to extend credit in the form of mortgage and other loan originations, as well as commercial, performance stand-by, and financial stand-by letters of credit. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These commitments consist of agreements to extend credit, as long as there is no violation of any condition established in the contract under which the loan is made. Commitments generally have fixed expiration dates or other termination clauses and may require the payment of a fee.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The letters of credit we issue consist of performance stand-by, financial stand-by, and commercial letters of credit. Financial stand-by letters of credit primarily are issued for the benefit of other financial institutions, municipalities, or landlords on behalf of certain of our current borrowers, and obligate us to guarantee payment of a specified financial obligation. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Performance stand-by letters of credit are primarily issued for the benefit of local municipalities on behalf of certain of our borrowers. Performance letters of credit obligate us to make payments in the event that a specified third party fails to perform under non-financial contractual obligations. Commercial letters of credit act as a means of ensuring payment to a seller upon shipment of goods to a buyer. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Such letters of credit typically require the presentation of documents that describe the commercial transaction, and provide evidence of shipment and the transfer of title. Fees collected in connection with the issuance of letters of credit are included in &#8220;Fee income&#8221; in the Consolidated Statements of Income and Comprehensive Income.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the year ended December 31, 2023, we did not engage in any off-balance sheet transactions that we expect to have a material effect on our financial condition, results of operations or cash flows.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, we had no commitments to purchase securities.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257437"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Regulatory Capital </span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to regulation, examination, and supervision by the OCC and the Federal Reserve (the &#8220;Regulators&#8221;). The Bank is also governed by numerous federal and state laws and regulations, including the FDIC Improvement Act of 1991, which established five categories of capital adequacy ranging from &#8220;well capitalized&#8221; to &#8220;critically undercapitalized.&#8221; Such classifications are used by the FDIC to determine various matters, including prompt corrective action and each institution&#8217;s FDIC deposit insurance premium assessments. Capital amounts and classifications are also subject to the Regulators&#8217; qualitative judgments about the components of capital and risk weightings, among other factors. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The quantitative measures established to ensure capital adequacy require that banks maintain minimum amounts and ratios of leverage capital to average assets and of common equity tier 1 capital, tier 1 capital, and total capital to risk-weighted </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">72</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">assets (as such measures are defined in the regulations).  At December&#160;31, 2023, our capital measures continued to exceed the minimum federal requirements for a bank holding company and for a bank. The following table sets forth our common equity tier 1, tier 1 risk-based, total risk-based, and leverage capital amounts and ratios on a consolidated basis and for the Bank on a stand-alone basis, as well as the respective minimum regulatory capital requirements, at that date: </span></div><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the actual capital amounts and ratios for the Company: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.976%"><tr><td style="width:1.0%"/><td style="width:30.362%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.390%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.390%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.390%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.736%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Risk-Based Capital</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2023</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common Equity Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leverage Capital</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,009&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.05&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,512&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.62&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,415&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.77&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,512&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.75&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,983&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,310&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,081&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,392&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,026&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.55&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,202&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.62&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,334&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.77&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,120&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.75&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,335&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.06&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,838&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.78&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,154&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.66&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,838&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.70&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,146&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,195&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,593&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,819&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,189&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.56&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,643&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.78&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,561&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.66&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,019&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.70&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the actual capital amounts and ratios for the Bank: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%"><tr><td style="width:1.0%"/><td style="width:28.164%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.723%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.694%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.388%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.723%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.694%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.388%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.723%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.105%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.388%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.752%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.758%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Risk-Based Capital</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2023</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common Equity Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leverage Capital</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,305&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,305&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,271&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.61&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,305&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.48&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,980&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,076&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,389&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,325&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.02&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,998&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,195&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.61&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,916&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.48&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,653&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.96&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,653&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.96&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,982&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.43&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,653&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.87&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,142&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,189&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,585&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,817&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,511&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.46&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,464&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.96&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,397&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,836&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.87&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, our total risk-based capital ratio exceeded the minimum requirement for capital adequacy purposes by 377 basis points and the fully phased-in capital conservation buffer by 127 basis points.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank also exceeded the minimum capital requirements to be categorized as &#8220;Well Capitalized.&#8221; To be categorized as well capitalized, a bank must maintain a minimum common equity tier 1 ratio of 6.50 percent; a minimum tier 1 risk-based capital ratio of 8 percent; a minimum total risk-based capital ratio of 10 percent; and a minimum leverage capital ratio of 5 percent. </span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On July 27, 2023, the Federal Banking Agencies, the FDIC, the Federal Reserve, and the OCC, released a notice of proposed rulemaking that would make significant amendments to the Basel III Capital Rules applicable to both the Company and the Bank. In general, the proposed rule would align the regulatory capital calculation methodology for Category III and IV banking organizations with the methodology applicable to Category I and II banking organizations. In addition to calculating risk-weighted assets under the current U.S. standardized approach, the proposal introduces a new &#8220;Expanded Risk-Based Approach,&#8221; including standardized approaches for credit risk, operational risk and credit valuation adjustment risk, as well as a new approach for market risk that would be based upon internal models and standardized supervisory models. If adopted as proposed, the Company would be required to calculate its risk-based capital ratios under both the current U.S. standardized approach and the Expanded Risk-Based Approach and would be subject to the lower of the two resulting ratios for each risk-based capital ratio. In addition, the proposal would require banking organizations to recognize most elements of AOCI in regulatory capital, including unrealized gains and losses on available-for-sale securities, and lower thresholds for deductions from CET1 capital for mortgage servicing assets and deferred tax assets, among other things. The proposal, if enacted, would have an effective date of July 1, 2025, with certain elements, such as the recognition of AOCI in regulatory capital and changes in risk-weighted assets calculated under the Expanded Risk-Based Approach, having a three-year phase-in period. We are in the process of evaluating this proposed rulemaking and assessing its potential impact on the Company and the Bank if adopted as proposed.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">73</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257179"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Reportable Segment and Reporting Unit</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In 2023, our chief operating decision maker assessed performance and allocated resources at the consolidated Company level. Following the acquisition of Flagstar Bank, N.A. and closing the Signature Transaction, we are currently in the process of operationalizing the financial reporting &#8211; both historical and prospective &#8211; for our reportable segments and reporting units, which may result in a change to either or both in future reporting periods.</span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257166"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Critical Accounting Estimates</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Various elements of our accounting policies, by their nature, are subject to estimation techniques, valuation assumptions and other subjective assessments. Certain accounting policies that, due to the judgment, estimates and assumptions are critical to an understanding of our Consolidated Financial Statements and the Notes, are described in Item 1. These policies relate to: (a) the determination of our ACL, (b) fair value measurements and (c) the acquisition method of accounting. We believe the judgment, estimates and assumptions used in the preparation of our Consolidated Financial Statements and the Notes are appropriate given the factual circumstances at the time. However, given the sensitivity of our Consolidated Financial Statements and the Notes to these critical accounting policies, the use of other judgments, estimates and assumptions could result in material differences in our results of operations and/or financial condition.</span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257622"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Allowance for Credit Losses</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses on loans and leases represents our current estimate of the lifetime credit losses expected from our loan and lease portfolio and our unfunded lending commitments. Management estimates the allowance by projecting and multiplying together the probability-of-default, loss-given-default and exposure-at-default depending on economic parameters for each month of the remaining contractual term, as well as credit ratings for certain loans within the commercial and industrial portfolio. The loss drivers for certain loans in the commercial and industrial portfolio are derived using credit ratings. The economic forecast and the related economic parameters are developed using multiple economic forecast scenarios, including related weightings, over the reasonable and supportable forecast period. The economic forecast scenarios and related economic parameters are sourced from independent third parties. Economic parameters are developed using available information relating to past events, current conditions, and economic forecasts. Historical credit loss experience over the historical loss observation period provides the basis for the estimation of expected credit losses, with qualitative adjustments made for differences in current loan-specific risk characteristics such as levels of and trends in delinquencies and performance of loans, levels of and trends in write-offs and recoveries collected, trends in volume and terms of loans, effects of any changes in reasonable and supportable economic forecasts, effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices, experience, ability, and depth of lending management and other relevant staff, available relevant information sources that support or contradict the registrant&#8217;s own forecast, effects of changes in prepayment expectations or other factors affecting assessments of loan contractual term, industry conditions; and effects of changes in credit concentrations. Expected credit losses are estimated over the contractual term of the loans, adjusted for forecasted prepayments when appropriate. The methodology used in the estimation of the allowance for credit losses on loans and leases, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality and forecasted economic conditions. Each quarter the Company reassesses the appropriateness of the economic forecasting period, the reversion period and historical mean.</span></div><div style="text-align:justify;text-indent:22.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses on loans and leases is measured on a collective (pool) basis when similar risk characteristics exist. The portfolio segment represents the level at which a systematic methodology is applied to estimate credit losses. Management believes the products within each of the entity&#8217;s portfolio segments exhibit similar risk characteristics. Smaller pools of homogenous financing receivables with homogeneous risk characteristics were modeled using the methodology selected for the portfolio segment. The Company leverages economic projections including property market and prepayment forecasts from established independent third parties to inform its loss drivers in the forecast, as well as credit ratings for certain loans within the commercial and industrial portfolio.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans that do not share risk characteristics are evaluated on an individual basis, including nonaccrual loans. If a loan is determined to be collateral dependent, or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company maintains an allowance for credit losses on off-balance sheet credit exposures. The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit losses expense. The estimate includes consideration of the </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">74</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated life. The Company examined historical credit conversion factor (&#8220;CCF&#8221;) trends to estimate utilization rates, and chose an appropriate mean CCF based on both management judgment and quantitative analysis. Quantitative analysis involved examination of CCFs over a range of fund-up windows (between 12 and 36 months) and comparison of the mean CCF for each fund-up window with management judgment determining whether the highest mean CCF across fund-up windows made business sense. The Company applies the same standards and estimated loss rates to the credit exposures as to the related class of loans.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When applying this critical accounting estimate we incorporate several inputs and judgments that may be influenced by changes period to period.  These include, but are not limited to changes in the economic environment and forecasts, changes in the credit profile and characteristics of the loan portfolio, property valuations and changes in prepayment assumptions.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While changes to the economic environment forecasts, and portfolio characteristics will change from period to period, portfolio prepayments are an integral assumption in estimating the allowance for credit losses on our commercial real estate portfolio (multi -family, CRE and ADC) which comprises 60 percent of the loan portfolio at December&#160;31, 2023. Portfolio prepayments are subject to estimation uncertainty and changes in this assumption could have a material impact to our estimation process. Prepayment assumptions are sensitive to interest rates and existing loan terms and determine the weighted average life of the commercial mortgage loan portfolio. Excluding other factors, as the weighted average life of the portfolio increases or decreases, so will the required amount of the allowance for credit losses on commercial real estate.</span></div><div style="text-indent:36pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257609"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Valuation of Mortgage Servicing Rights</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We purchase and originate mortgage loans for sale to the secondary market and often retain the right to service the loan at the time of sale upon which, a mortgage servicing right (MSR) is created. We have elected to report our MSR assets at fair value which is determined using an internal valuation model that utilizes an option-adjusted spread, constant prepayment rates, costs to service, and other assumptions. The assumptions used in the MSR valuation are unobservable in nature, involve a higher degree of judgment and are estimated based on our judgment regarding the value that market participants would assign to the asset. To corroborate this estimate, we obtain third-party valuations of the MSR portfolio on a quarterly basis from independent valuation services to assess the reasonableness of the fair value calculated by the internal valuation model.  </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">For further information and sensitivity analysis regarding the valuation of the MSR asset, see "Note 9 - Mortgage Servicing Rights,&#8221; in <a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257654">Item 8</a></span><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:underline"><a style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:underline" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257654">.</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257654"> &#8220;Financial Statements and Supplementary Data."</a></span></div><div style="text-indent:36pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257637"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Acquisition Method of Accounting</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The acquisition method of accounting requires that acquired assets and liabilities in a business combination be recorded at their fair values as of the acquisition date. This method often involves estimates, all of which are inherently subjective. We have elected to hold the measurement period open to allow for potential adjustments for up to one year after the acquisition date, for new information that existed at the acquisition date but may not have been known or available at that time. For further information, refer to Note 3 - Business Combinations in Item 8, "Financial Statements and Supplementary Data".</span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2922"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Goodwill</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates goodwill for impairment at least annually or when triggering events are identified. We utilize a market approach to calculate the fair value of our single reporting unit, which considers how a market participant would view a control premium, complemented by an income approach if deemed necessary. The resulting value is then compared to our book value and any shortfalls would be recorded as an impairment.</span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price, control premium for completed bank acquisitions, and an adjustment for Company-specific risk considerations based on subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of any shortfall which was calculated to be in excess of the goodwill balance. The Company&#8217;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023, as confirmed by the Company&#8217;s current market capitalization.  As a result, the Company recorded an impairment charge of the entire goodwill balance of $2.4&#160;billion. Refer to "Note 2 - Summary of Significant Accounting Policies" and "Note 16 - Intangible Assets" in Item 8, "Financial Statements and Supplementary Data" for the methodologies and assumptions used in the goodwill impairment analysis.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">75</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257592"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item7A.</span></td><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Quantitative and Qualitative Disclosures about Market Risk</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We manage our assets and liabilities to reduce our exposure to changes in market interest rates. The asset and liability management process has three primary objectives: to evaluate the interest rate risk inherent in certain balance sheet accounts; to determine the appropriate level of risk, given our business strategy, operating environment, capital and liquidity requirements, and performance objectives; and to manage that risk in a manner consistent with guidelines approved by the Boards of Directors of the Company and the Bank. </span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257577"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">Market Risk </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a financial institution, we are focused on reducing our exposure to interest rate volatility, which represents our primary market risk. Changes in market interest rates represent the greatest challenge to our financial performance, as such changes can have a significant impact on the level of income and expense recorded on a large portion of our interest-earning assets and interest-bearing liabilities, and on the market value of all interest-earning assets, other than those possessing a short term to maturity. To reduce our exposure to changing rates, the Board of Directors and management monitor interest rate sensitivity on a regular or as needed basis so that adjustments to the asset and liability mix can be made when deemed appropriate. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The actual duration of held-for-investment mortgage loans and mortgage-related securities can be significantly impacted by changes in prepayment levels and market interest rates. The level of prepayments may, in turn, be impacted by a variety of factors, including the economy in the region where the underlying mortgages were originated; seasonal factors; demographic variables; and the assumability of the underlying mortgages. However, the factors with the most significant impact on prepayments are market interest rates and the availability of refinancing opportunities. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We managed our interest rate risk by taking the following actions: (1) Continue to increase the investments portfolio with an overall shorter duration profile; (2) The use of derivatives to manage our interest rate position; (3) Increased the focus on retaining and increasing our branch deposits base.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Interest Rate Sensitivity Analysis </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rate sensitivity is monitored through the use of a model that generates estimates of the change in our Economic Value of Equity (EVE) over a range of interest rate scenarios. EVE is defined as the net present value of expected cash flows from assets, liabilities, and off-balance sheet contracts. The EVE ratio, under any interest rate scenario, is defined as the EVE in that scenario divided by the market value of assets in the same scenario. The model assumes estimated loan and MBS prepayment rates, current market value spreads, and deposit decay rates and betas.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based on the information and assumptions in effect at December&#160;31, 2023, the following table sets forth our EVE, assuming the changes in interest rates noted: </span></div><div style="padding-left:72pt;text-align:justify;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:60.233%"><tr><td style="width:1.0%"/><td style="width:47.443%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.499%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:48.658%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Interest Rates (in basis points)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Estimated Percentage Change in Economic Value of Equity</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">-200 shock</span></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="3" style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2.39)%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">-100 shock</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.31)%</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">+100 shock</span></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.28)%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">+200 shock</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1.44)%</span></td></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="padding-left:72pt;text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The net changes in EVE presented in the preceding table are within the parameters approved by the Boards of Directors of the Company and the Bank. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Accordingly, while the EVE analysis provides an indication of our interest rate risk exposure at a particular point in time, such measurements are not intended to, and do not, provide a precise forecast of the effect of changes in market interest rates on our net interest income, and may very well differ from actual results.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest Rate Risk is also monitored through the use of a model that generates Net Interest Income (NII) simulations over a range of interest rate scenarios.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%">  </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Modeling changes in NII requires that certain assumptions be made which may or may not reflect the manner in which actual yields and costs respond to changes in market interest rates. In this regard, the NII analysis presented below assumes that the composition of our interest rate sensitive assets and liabilities existing at the beginning of a period remains constant over the period being measured, and also assumes that a particular change in interest rates is reflected uniformly across the yield curve, regardless of the duration to maturity or repricing of specific assets and liabilities. </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">76</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Furthermore, the model does not take into account the benefit of any strategic actions we may take to further reduce our exposure to interest rate risk. The assumptions used in the net interest income simulation are inherently uncertain. Actual results may differ significantly from those presented in the following table, due to the frequency, timing, and magnitude of changes in interest rates; changes in spreads between maturity and repricing categories; and prepayments, among other factors, coupled with any actions taken to counter the effects of any such changes.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based on the information and assumptions in effect at December&#160;31, 2023, the following table reflects the estimated percentage change in future net interest income for the next twelve months, assuming the changes in interest rates noted: </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="padding-left:108pt;text-align:justify;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.040%"><tr><td style="width:1.0%"/><td style="width:49.277%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:1.922%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:45.501%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Interest Rates (in basis points)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Estimated Percentage Change in Future Net Interest Income</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">-200 shock</span></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="3" style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5.81)%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">-100 shock</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3.17)%</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">+100 shock</span></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.24%</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">+200 shock</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.40%</span></td></tr></table></div><div><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%;padding-left:8.68pt">In general, short- and long-term rates are assumed to increase in parallel instantaneously and then remain unchanged.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The net changes in NII presented in the preceding table are within the parameters approved by the Boards of Directors of the Company and the Bank. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Future changes in our mix of assets and liabilities may result in greater changes to our EVE, and/or NII simulations. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the event that our EVE and net interest income sensitivities were to breach our internal policy limits, we would undertake the following actions to ensure that appropriate remedial measures were put in place: </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">In formulating appropriate strategies, the ALCO Committee would ascertain the primary causes of the variance from policy tolerances, the expected term of such conditions, and the projected effect on capital and earnings. </span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Our ALCO Committee would inform the Board of Directors of the variance, and present recommendations to the Board regarding proposed courses of action to restore conditions to within-policy tolerances. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Where temporary changes in market conditions or volume levels result in significant increases in risk, strategies may involve reducing open positions or employing other balance sheet management activities including the potential use of derivatives to reduce the risk exposure. Where variance from policy tolerances is triggered by more fundamental imbalances in the risk profiles of core loan and deposit products, a remedial strategy may involve restoring balance through natural hedges to the extent possible before employing synthetic hedging techniques. Other strategies might include: </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Asset restructuring, involving sales of assets having higher risk profiles, or a gradual restructuring of the asset mix over time to affect the maturity or repricing schedule of assets; </span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Liability restructuring, whereby product offerings and pricing are altered or wholesale borrowings are employed to affect the maturity structure or repricing of liabilities; </span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Expansion or shrinkage of the balance sheet to correct imbalances in the repricing or maturity periods between assets and liabilities; and/or </span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Use or alteration of off-balance sheet positions, including interest rate swaps, caps, floors, options, and forward purchase or sales commitments. </span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">In connection with our net interest income simulation modeling, we also evaluate the impact of changes in the slope of the yield curve. At December&#160;31, 2023, our analysis indicated that a further inversion of the yield curve would be expected to result </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">in a 2.1 increase in net interest income; conversely, an immediate steepening of the yield curve would be expected to result in a 2.4 per</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">cent decrease in net interest income</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">. Both scenarios are derived from immediate changes to short-term rates.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">77</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257654"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">ITEM 8.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA</span></td></tr></table></div><div style="margin-top:4pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Index to Consolidated Financial Statements</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:90.128%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.672%"/><td style="width:0.1%"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257751">Report of Independent Registered Public Accounting Firms</a> (PCAOB ID <ix:nonNumeric contextRef="c-1" name="dei:AuditorFirmId" id="f-42">238</ix:nonNumeric>)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257751">143</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257768">Consolidated Statements of Condition</a> as of December&#160;31, 2023<a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257768"> and </a>2022</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257768">79</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780">Consolidated Statements of </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780">(Loss) </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780">Income and </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780">Comprehensive</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780"> (Loss)</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780"> Income</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780"> for the years ended </a>December&#160;31, 2023<a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780">, </a>2022<a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780"> and </a>2021</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257780">80</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257794">Consolidated Statements of Stockholders&#8217; Equity for the years ended </a>December&#160;31, 2023<a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257794">, </a>2022<a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257794"> and </a>2021</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257794">81</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257806">Consolidated Statements of Cash Flows for the years ended </a>December&#160;31, 2023<a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257806">, </a>2022<a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257806"> and </a>2021</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257806">82</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257672">Notes to Consolidated Financial Statements</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257672">84</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257819">Note 1 - Description of Business, Organization and  Basis of Presentation</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257819">84</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257831">Note 2 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257831">S</a>ummary of Significant Accounting Policies</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257831">85</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257835">Note 3 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257835">B</a>usiness Combinations</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257835">92</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257843">Note 4 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257843">Accumulated Other Comprehensive Income</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257843">99</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257855">Note 5 - </a>Investment Securities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257855">100</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257867">Note 6 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257867">L</a>oans and Leases</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257867">104</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257875">Note 7 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257875">A</a>llowance for Credit Losses on Loans and Leases</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257875">109</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257883">Note 8 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257883">L</a>eases</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257883">110</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257891">Note 9 - </a>Mortgage Servicing Rights</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257891">113</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257899">Note 10 - </a>Variable Interest Entities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257899">115</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327568">Note 11 - </a>Deposits</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327568">115</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257907">Note 12 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257907">B</a>orrowed Funds</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257907">116</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327577">Note 13 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327577">F</a>ederal, State, and Local Taxes</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327577">119</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257923">Note 14 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257923">S</a>tock-Related Benefit Plans</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257923">122</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257931">Note 15 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257931">D</a>erivative and Hedging Activities</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257931">122</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257939">Note 16 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257939">I</a>ntangible Assets</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257939">126</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327604">Note 17 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327604">C</a>apital</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327604">127</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257947">Note 18 - </a>Fair Value Measures</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023257947">128</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327586">Note 19 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327586">Commitment</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327586">s</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327586"> and </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327586">Contingencies</a></span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327586">135</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258200">Note 20 - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258200">E</a>mployee Benefits</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_2199023258200">137</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595">Note 2</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595">1</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595"> - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595">Parent</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595"> Company Only Financial </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595">I</a>nformation</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595">142</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:11.25pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595">Note 2</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595">2</a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595"> - </a><a style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:none" href="#i766f2a0a5b9e47dcbde618a31451fbef_4947802327595">S</a>ubsequent Events</span></div></td><td colspan="3" style="padding:0 1pt"/></tr></table></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">78</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257768"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">New York Community Bancorp, Inc.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Consolidated Statements of Condition</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.269%"><tr><td style="width:1.0%"/><td style="width:70.770%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.978%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.303%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except per share data)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">ASSETS:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="6" id="f-43">11,475</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="6" id="f-44">2,032</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt Securities available-for-sale ($<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleRestricted" format="ixt:num-dot-decimal" scale="6" id="f-45">2,822</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleRestricted" scale="6" id="f-46">434</ix:nonFraction> pledged at December&#160;31, 2023 and December&#160;31, 2022, respectively)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-47">9,145</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-48">9,060</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity investments with readily determinable fair values, at fair value</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:EquitySecuritiesFvNi" scale="6" id="f-49">14</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:EquitySecuritiesFvNi" scale="6" id="f-50">14</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" format="ixt:num-dot-decimal" scale="6" id="f-51">9,159</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" format="ixt:num-dot-decimal" scale="6" id="f-52">9,074</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale ($<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" scale="6" id="f-53">902</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-54">1,115</ix:nonFraction> measured at fair value, respectively)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LoansReceivableHeldForSaleAmount" format="ixt:num-dot-decimal" scale="6" id="f-55">1,182</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:LoansReceivableHeldForSaleAmount" format="ixt:num-dot-decimal" scale="6" id="f-56">1,115</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and leases held for investment, net of deferred loan fees and costs</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-57">84,619</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-58">69,001</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: Allowance for credit losses on loans and leases</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-59">992</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-60">393</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases held for investment, net</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-61">83,627</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-62">68,608</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Home Loan Bank stock and Federal Reserve Bank stock, at cost</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankStock" format="ixt:num-dot-decimal" scale="6" id="f-63">1,392</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FederalHomeLoanBankStock" format="ixt:num-dot-decimal" scale="6" id="f-64">1,267</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premises and equipment, net</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:PropertyPlantAndEquipmentNet" scale="6" id="f-65">652</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:PropertyPlantAndEquipmentNet" scale="6" id="f-66">491</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Core deposit and other intangibles</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:IntangibleAssetsNetExcludingGoodwill" scale="6" id="f-67">625</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:IntangibleAssetsNetExcludingGoodwill" scale="6" id="f-68">287</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Goodwill</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:Goodwill" format="ixt:fixed-zero" scale="6" id="f-69">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:Goodwill" format="ixt:num-dot-decimal" scale="6" id="f-70">2,426</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:ServicingAsset" format="ixt:num-dot-decimal" scale="6" id="f-71">1,111</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:ServicingAsset" format="ixt:num-dot-decimal" scale="6" id="f-72">1,033</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bank-owned life insurance</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:BankOwnedLifeInsurance" format="ixt:num-dot-decimal" scale="6" id="f-73">1,580</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:BankOwnedLifeInsurance" format="ixt:num-dot-decimal" scale="6" id="f-74">1,561</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-75">3,254</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:OtherAssets" format="ixt:num-dot-decimal" scale="6" id="f-76">2,250</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total assets</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="6" id="f-77">114,057</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="6" id="f-78">90,144</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">LIABILITIES AND STOCKHOLDERS' EQUITY:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-bearing checking and money market accounts</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:InterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-79">30,700</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:InterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-80">22,511</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Savings accounts</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DepositsSavingsDeposits" format="ixt:num-dot-decimal" scale="6" id="f-81">8,773</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DepositsSavingsDeposits" format="ixt:num-dot-decimal" scale="6" id="f-82">11,645</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:TimeDeposits" format="ixt:num-dot-decimal" scale="6" id="f-83">21,554</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:TimeDeposits" format="ixt:num-dot-decimal" scale="6" id="f-84">12,510</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-interest-bearing accounts</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:NoninterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-85">20,499</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:NoninterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-86">12,055</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total deposits</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="6" id="f-87">81,526</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="6" id="f-88">58,721</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed funds:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal Home Loan Bank and Federal Reserve Bank advances</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankAdvances" format="ixt:num-dot-decimal" scale="6" id="f-89">20,250</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankAdvances" format="ixt:num-dot-decimal" scale="6" id="f-90">20,325</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior subordinated debentures</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-91">579</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-92">575</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subordinated notes</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SubordinatedDebt" scale="6" id="f-93">438</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:SubordinatedDebt" scale="6" id="f-94">432</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total borrowed funds</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-95">21,267</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-96">21,332</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-97">2,897</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:OtherLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-98">1,267</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-99">105,690</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-100">81,320</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stockholders' equity:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Preferred stock at par $<ix:nonFraction unitRef="usdPerShare" contextRef="c-8" decimals="INF" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-101"><ix:nonFraction unitRef="usdPerShare" contextRef="c-7" decimals="INF" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-102">0.01</ix:nonFraction></ix:nonFraction> (<ix:nonFraction unitRef="shares" contextRef="c-7" decimals="INF" name="us-gaap:PreferredStockSharesAuthorized" format="ixt:num-dot-decimal" scale="0" id="f-103"><ix:nonFraction unitRef="shares" contextRef="c-8" decimals="INF" name="us-gaap:PreferredStockSharesAuthorized" format="ixt:num-dot-decimal" scale="0" id="f-104">5,000,000</ix:nonFraction></ix:nonFraction> shares authorized):  Series A (<ix:nonFraction unitRef="shares" contextRef="c-7" decimals="INF" name="us-gaap:PreferredStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-105"><ix:nonFraction unitRef="shares" contextRef="c-7" decimals="INF" name="us-gaap:PreferredStockSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-106"><ix:nonFraction unitRef="shares" contextRef="c-8" decimals="INF" name="us-gaap:PreferredStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-107"><ix:nonFraction unitRef="shares" contextRef="c-8" decimals="INF" name="us-gaap:PreferredStockSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-108">515,000</ix:nonFraction></ix:nonFraction></ix:nonFraction></ix:nonFraction> shares issued and outstanding)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:PreferredStockValue" scale="6" id="f-109">503</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:PreferredStockValue" scale="6" id="f-110">503</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common stock at par <ix:nonFraction unitRef="usdPerShare" contextRef="c-7" decimals="INF" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-111"><ix:nonFraction unitRef="usdPerShare" contextRef="c-8" decimals="INF" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-112">0.01</ix:nonFraction></ix:nonFraction> (<ix:nonFraction unitRef="shares" contextRef="c-7" decimals="INF" name="us-gaap:CommonStockSharesAuthorized" format="ixt:num-dot-decimal" scale="0" id="f-113"><ix:nonFraction unitRef="shares" contextRef="c-8" decimals="INF" name="us-gaap:CommonStockSharesAuthorized" format="ixt:num-dot-decimal" scale="0" id="f-114">900,000,000</ix:nonFraction></ix:nonFraction> shares authorized; <ix:nonFraction unitRef="shares" contextRef="c-7" decimals="INF" name="us-gaap:CommonStockSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-115">744,155,791</ix:nonFraction> and <ix:nonFraction unitRef="shares" contextRef="c-8" decimals="INF" name="us-gaap:CommonStockSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-116">705,429,386</ix:nonFraction></span></div><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;shares issued; and <ix:nonFraction unitRef="shares" contextRef="c-7" decimals="INF" name="us-gaap:CommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-117">722,066,370</ix:nonFraction> and <ix:nonFraction unitRef="shares" contextRef="c-8" decimals="INF" name="us-gaap:CommonStockSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-118">681,217,334</ix:nonFraction> shares outstanding, respectively)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:CommonStockValue" scale="6" id="f-119">7</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:CommonStockValue" scale="6" id="f-120">7</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Paid-in capital in excess of par</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="6" id="f-121">8,231</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:AdditionalPaidInCapital" format="ixt:num-dot-decimal" scale="6" id="f-122">8,130</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Retained earnings</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:RetainedEarningsAccumulatedDeficit" scale="6" id="f-123">443</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:RetainedEarningsAccumulatedDeficit" format="ixt:num-dot-decimal" scale="6" id="f-124">1,041</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Treasury stock, at cost ($<ix:nonFraction unitRef="shares" contextRef="c-7" decimals="INF" name="us-gaap:TreasuryStockCommonShares" format="ixt:num-dot-decimal" scale="0" id="f-125">22,089,421</ix:nonFraction> and <ix:nonFraction unitRef="shares" contextRef="c-8" decimals="INF" name="us-gaap:TreasuryStockCommonShares" format="ixt:num-dot-decimal" scale="0" id="f-126">24,212,052</ix:nonFraction> shares, respectively)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:TreasuryStockCommonValue" scale="6" id="f-127">218</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:TreasuryStockCommonValue" scale="6" id="f-128">237</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss, net of tax:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized loss on securities available for sale, net of tax of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" scale="6" id="f-129">225</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" scale="6" id="f-130">240</ix:nonFraction>, respectively</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" scale="6" id="f-131">581</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" scale="6" id="f-132">626</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized loss on pension and post-retirement obligations, net of tax of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" scale="6" id="f-133">12</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" scale="6" id="f-134">18</ix:nonFraction>, respectively</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" scale="6" id="f-135">28</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" scale="6" id="f-136">46</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized gain on cash flow hedges, net of tax of $(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" sign="-" name="fbc:AOCICashFlowHedgeCumulativeGainLossTax" scale="6" id="f-137">6</ix:nonFraction>) and $(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" sign="-" name="fbc:AOCICashFlowHedgeCumulativeGainLossTax" scale="6" id="f-138">20</ix:nonFraction>), respectively</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax" scale="6" id="f-139">10</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax" scale="6" id="f-140">52</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accumulated other comprehensive loss, net of tax</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" scale="6" id="f-141">599</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" sign="-" name="us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax" scale="6" id="f-142">620</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total stockholders&#8217; equity</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-143">8,367</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-144">8,824</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities and stockholders&#8217; equity</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-145">114,057</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-146">90,144</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">See accompanying notes to the consolidated financial statements.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">79</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257780"></div><hr style="page-break-after:always"/><div style="min-height:54pt;width:100%"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">New York Community Bancorp, Inc.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Consolidated Statements of (Loss) Income and Comprehensive (Loss) Income</span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"/><td style="width:68.738%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.566%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except per share data)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">INTEREST INCOME:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and leases</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestAndFeeIncomeLoansAndLeases" format="ixt:num-dot-decimal" scale="6" id="f-147">4,509</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestAndFeeIncomeLoansAndLeases" format="ixt:num-dot-decimal" scale="6" id="f-148">1,848</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestAndFeeIncomeLoansAndLeases" format="ixt:num-dot-decimal" scale="6" id="f-149">1,525</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities and money market investments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestAndDividendIncomeSecurities" scale="6" id="f-150">982</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestAndDividendIncomeSecurities" scale="6" id="f-151">244</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestAndDividendIncomeSecurities" scale="6" id="f-152">164</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest income</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="6" id="f-153">5,491</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="6" id="f-154">2,092</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestAndDividendIncomeOperating" format="ixt:num-dot-decimal" scale="6" id="f-155">1,689</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">INTEREST EXPENSE:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-bearing checking and money market accounts</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestExpenseDemandDepositAccounts" scale="6" id="f-156">943</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestExpenseDemandDepositAccounts" scale="6" id="f-157">226</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestExpenseDemandDepositAccounts" scale="6" id="f-158">31</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Savings accounts</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestExpenseSavingsDeposits" scale="6" id="f-159">169</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestExpenseSavingsDeposits" scale="6" id="f-160">60</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestExpenseSavingsDeposits" scale="6" id="f-161">28</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestExpenseTimeDeposits" scale="6" id="f-162">646</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestExpenseTimeDeposits" scale="6" id="f-163">97</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestExpenseTimeDeposits" scale="6" id="f-164">55</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed funds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestExpenseLongTermDebt" scale="6" id="f-165">656</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestExpenseLongTermDebt" scale="6" id="f-166">313</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestExpenseLongTermDebt" scale="6" id="f-167">286</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total interest expense</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-168">2,414</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestExpense" scale="6" id="f-169">696</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestExpense" scale="6" id="f-170">400</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="6" id="f-171">3,077</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="6" id="f-172">1,396</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestIncomeExpenseNet" format="ixt:num-dot-decimal" scale="6" id="f-173">1,289</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for credit losses</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProvisionForLoanLossesExpensed" scale="6" id="f-174">833</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProvisionForLoanLossesExpensed" scale="6" id="f-175">133</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProvisionForLoanLossesExpensed" scale="6" id="f-176">3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income after provision for credit loan losses</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="6" id="f-177">2,244</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="6" id="f-178">1,263</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss" format="ixt:num-dot-decimal" scale="6" id="f-179">1,286</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NON-INTEREST INCOME:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fee income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FeeIncome" scale="6" id="f-180">172</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FeeIncome" scale="6" id="f-181">27</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:FeeIncome" scale="6" id="f-182">23</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bank-owned life insurance</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:BankOwnedLifeInsuranceIncome" scale="6" id="f-183">43</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:BankOwnedLifeInsuranceIncome" scale="6" id="f-184">32</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:BankOwnedLifeInsuranceIncome" scale="6" id="f-185">29</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loss on securities</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:DebtAndEquitySecuritiesGainLoss" scale="6" id="f-186">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:DebtAndEquitySecuritiesGainLoss" scale="6" id="f-187">2</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:DebtAndEquitySecuritiesGainLoss" format="ixt:fixed-zero" scale="6" id="f-188">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:MortgageServicingRightsMSRImpairmentRecovery" scale="6" id="f-189">103</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:MortgageServicingRightsMSRImpairmentRecovery" scale="6" id="f-190">6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:MortgageServicingRightsMSRImpairmentRecovery" format="ixt:fixed-zero" scale="6" id="f-191">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on loan sales and securitizations</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" scale="6" id="f-192">89</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" scale="6" id="f-193">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-11" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" format="ixt:fixed-zero" scale="6" id="f-194">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loan administration income</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:LoanAdministrationIncomeExpense" scale="6" id="f-195">82</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:LoanAdministrationIncomeExpense" scale="6" id="f-196">3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:LoanAdministrationIncomeExpense" format="ixt:fixed-zero" scale="6" id="f-197">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:num-dot-decimal" scale="6" id="f-198">2,131</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" scale="6" id="f-199">159</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:fixed-zero" scale="6" id="f-200">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:NoninterestIncomeOtherOperatingIncome" scale="6" id="f-201">68</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NoninterestIncomeOtherOperatingIncome" scale="6" id="f-202">17</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NoninterestIncomeOtherOperatingIncome" scale="6" id="f-203">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total non-interest income</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:NoninterestIncome" format="ixt:num-dot-decimal" scale="6" id="f-204">2,687</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NoninterestIncome" scale="6" id="f-205">247</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NoninterestIncome" scale="6" id="f-206">61</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NON-INTEREST EXPENSE:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating expenses:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Compensation and benefits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:LaborAndRelatedExpense" format="ixt:num-dot-decimal" scale="6" id="f-207">1,149</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:LaborAndRelatedExpense" scale="6" id="f-208">354</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:LaborAndRelatedExpense" scale="6" id="f-209">303</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Occupancy and equipment</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OccupancyNet" scale="6" id="f-210">200</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OccupancyNet" scale="6" id="f-211">92</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:OccupancyNet" scale="6" id="f-212">88</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">General and administrative</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:GeneralAndAdministrativeExpense" scale="6" id="f-213">750</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:GeneralAndAdministrativeExpense" scale="6" id="f-214">158</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:GeneralAndAdministrativeExpense" scale="6" id="f-215">127</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total operating expense</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OperatingCostsAndExpenses" format="ixt:num-dot-decimal" scale="6" id="f-216">2,099</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OperatingCostsAndExpenses" scale="6" id="f-217">604</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:OperatingCostsAndExpenses" scale="6" id="f-218">518</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Intangible asset amortization</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:AmortizationOfIntangibleAssets" scale="6" id="f-219">126</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:AmortizationOfIntangibleAssets" scale="6" id="f-220">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:AmortizationOfIntangibleAssets" format="ixt:fixed-zero" scale="6" id="f-221">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Merger-related and restructuring expenses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:BusinessCombinationAcquisitionRelatedCosts" scale="6" id="f-222">330</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:BusinessCombinationAcquisitionRelatedCosts" scale="6" id="f-223">75</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:BusinessCombinationAcquisitionRelatedCosts" scale="6" id="f-224">23</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Goodwill impairment</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:GoodwillImpairmentLoss" format="ixt:num-dot-decimal" scale="6" id="f-225">2,426</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:GoodwillImpairmentLoss" format="ixt:fixed-zero" scale="6" id="f-226">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:GoodwillImpairmentLoss" format="ixt:fixed-zero" scale="6" id="f-227">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total non-interest expense</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:NoninterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-228">4,981</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NoninterestExpense" scale="6" id="f-229">684</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NoninterestExpense" scale="6" id="f-230">541</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) Income before income taxes</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" scale="6" id="f-231">50</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" scale="6" id="f-232">826</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" scale="6" id="f-233">806</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-234">29</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-235">176</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-236">210</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income</span></div></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:NetIncomeLoss" scale="6" id="f-237">79</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-238">650</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-239">596</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Preferred stock dividends</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" scale="6" id="f-240">33</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" scale="6" id="f-241">33</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:PreferredStockDividendsIncomeStatementImpact" scale="6" id="f-242">33</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income available to common stockholders</span></div></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" scale="6" id="f-243">112</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" scale="6" id="f-244">617</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" scale="6" id="f-245">563</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Basic (loss) earnings per common share</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" sign="-" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-246">0.16</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-247">1.26</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-248">1.20</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted (loss) earnings per common share</span></div></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" sign="-" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-249">0.16</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-250">1.26</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-251">1.20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income</span></div></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:NetIncomeLoss" scale="6" id="f-252">79</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-253">650</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-254">596</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other comprehensive gain (loss), net of tax:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in net unrealized loss on securities available for sale, net of tax of $(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" scale="6" id="f-255">15</ix:nonFraction>); $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" scale="6" id="f-256">223</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" scale="6" id="f-257">42</ix:nonFraction>, respectively</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" scale="6" id="f-258">45</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" scale="6" id="f-259">581</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" scale="6" id="f-260">112</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in pension and post-retirement obligations, net of tax of $(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax" scale="6" id="f-261">5</ix:nonFraction>); $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax" scale="6" id="f-262">6</ix:nonFraction> and $(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax" scale="6" id="f-263">8</ix:nonFraction>), respectively</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax" scale="6" id="f-264">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax" scale="6" id="f-265">17</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax" scale="6" id="f-266">23</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in net unrealized gain on cash flow hedges, net of tax of $(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax" scale="6" id="f-267">3</ix:nonFraction>); $(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax" scale="6" id="f-268">24</ix:nonFraction>) and $(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax" scale="6" id="f-269">2</ix:nonFraction>), respectively</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" scale="6" id="f-270">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" scale="6" id="f-271">64</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" scale="6" id="f-272">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reclassification adjustment for defined benefit pension plan, net of tax of $(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax" scale="6" id="f-273">1</ix:nonFraction>); $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax" format="ixt:fixed-zero" scale="6" id="f-274">&#8212;</ix:nonFraction> and $(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax" scale="6" id="f-275">2</ix:nonFraction>), respectively</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" scale="6" id="f-276">6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" scale="6" id="f-277">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" scale="6" id="f-278">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reclassification adjustment for net (loss) gain on cash flow hedges included in net income, net of tax $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax" scale="6" id="f-279">17</ix:nonFraction>; $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax" scale="6" id="f-280">1</ix:nonFraction> and $(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax" scale="6" id="f-281">7</ix:nonFraction>), respectively</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax" scale="6" id="f-282">48</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax" scale="6" id="f-283">3</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax" scale="6" id="f-284">18</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other comprehensive gain (loss), net of tax</span></div></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" scale="6" id="f-285">21</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" scale="6" id="f-286">535</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" scale="6" id="f-287">60</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total comprehensive (loss) income, net of tax</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:ComprehensiveIncomeNetOfTax" scale="6" id="f-288">58</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ComprehensiveIncomeNetOfTax" scale="6" id="f-289">115</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ComprehensiveIncomeNetOfTax" scale="6" id="f-290">536</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">See accompanying notes to the consolidated financial statements.</span></div><div style="height:27pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">80</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257794"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span><br/></span></div><div style="padding-left:18pt;padding-right:18pt;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">New York Community Bancorp, Inc.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> Consolidated Statements of Changes in Stockholders' Equity</span></div><div style="text-align:center"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:30.917%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.818%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.648%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.940%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.771%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.478%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.280%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.682%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except share data)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Shares Outstanding</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Preferred Stock (Par Value: $<ix:nonFraction unitRef="usdPerShare" contextRef="c-8" decimals="INF" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-291"><ix:nonFraction unitRef="usdPerShare" contextRef="c-7" decimals="INF" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-292">0.01</ix:nonFraction></ix:nonFraction>)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Common Stock (Par Value: <ix:nonFraction unitRef="usdPerShare" contextRef="c-7" decimals="INF" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-293"><ix:nonFraction unitRef="usdPerShare" contextRef="c-8" decimals="INF" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-294">0.01</ix:nonFraction></ix:nonFraction>)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Paid-in Capital in excess of Par</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Retained Earnings</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Treasury Stock, at Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Accumulated Other Comprehensive Loss, Net of Tax</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Total Stockholders&#8217; Equity</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Balance at December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-8" decimals="INF" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-295">681,217,334</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-12" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-296">503</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-13" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-297">7</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-14" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-298">8,130</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-15" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-299">1,041</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-16" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-300">237</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-17" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-301">620</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-302">8,824</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Issuance and exercise of FDIC Equity appreciation instrument</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-303">39,032,006</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-18" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:fixed-zero" scale="6" id="f-304">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-19" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="6" id="f-305">85</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="6" id="f-306">85</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Shares issued for restricted stock, net of forfeitures</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" format="ixt:num-dot-decimal" scale="0" id="f-307">3,074,565</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-19" decimals="-6" sign="-" name="us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" scale="6" id="f-308">31</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-20" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" scale="6" id="f-309">31</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" format="ixt:fixed-zero" scale="6" id="f-310">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Compensation expense related to restricted stock awards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-19" decimals="-6" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" scale="6" id="f-311">47</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" scale="6" id="f-312">47</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-21" decimals="-6" sign="-" name="us-gaap:NetIncomeLoss" scale="6" id="f-313">79</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:NetIncomeLoss" scale="6" id="f-314">79</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Dividends paid on common stock ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="us-gaap:CommonStockDividendsPerShareCashPaid" scale="0" id="f-315">0.56</ix:nonFraction>)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-21" decimals="-6" name="us-gaap:DividendsCommonStock" scale="6" id="f-316">486</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:DividendsCommonStock" scale="6" id="f-317">486</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Dividends paid on preferred stock ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="us-gaap:PreferredStockDividendsPerShareCashPaid" scale="0" id="f-318">63.76</ix:nonFraction>)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-21" decimals="-6" name="us-gaap:DividendsPreferredStock" scale="6" id="f-319">33</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:DividendsPreferredStock" scale="6" id="f-320">33</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Purchase of common stock</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:StockRepurchasedDuringPeriodShares" format="ixt:num-dot-decimal" scale="0" id="f-321">1,257,535</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-20" decimals="-6" name="us-gaap:StockRepurchasedDuringPeriodValue" scale="6" id="f-322">12</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:StockRepurchasedDuringPeriodValue" scale="6" id="f-323">12</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other comprehensive income, net of tax</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" scale="6" id="f-324">21</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" scale="6" id="f-325">21</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Balance at December 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-7" decimals="INF" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-326">722,066,370</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-22" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-327">503</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-23" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-328">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-24" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-329">8,231</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-25" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-330">443</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-26" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-331">218</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-27" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-332">599</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-333">8,367</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2022</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Balance at December 31, 2021</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-28" decimals="INF" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-334">465,015,643</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-29" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-335">503</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-30" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-336">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-337">6,126</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-32" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-338">741</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-33" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-339">246</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-34" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-340">85</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-28" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-341">7,044</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Issuance and exercise of FDIC Equity appreciation instrument</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-342">214,990,316</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-35" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" scale="6" id="f-343">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-36" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="6" id="f-344">2,008</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueNewIssues" format="ixt:num-dot-decimal" scale="6" id="f-345">2,010</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Shares issued for restricted stock, net of forfeitures</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" format="ixt:num-dot-decimal" scale="0" id="f-346">3,548,310</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-36" decimals="-6" sign="-" name="us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" scale="6" id="f-347">33</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-37" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" scale="6" id="f-348">33</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" format="ixt:fixed-zero" scale="6" id="f-349">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Compensation expense related to restricted stock awards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-36" decimals="-6" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" scale="6" id="f-350">29</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" scale="6" id="f-351">29</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-38" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-352">650</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-353">650</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Dividends paid on common stock ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:CommonStockDividendsPerShareCashPaid" scale="0" id="f-354">0.68</ix:nonFraction>)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-38" decimals="-6" name="us-gaap:DividendsCommonStock" scale="6" id="f-355">317</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:DividendsCommonStock" scale="6" id="f-356">317</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Dividends paid on preferred stock ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:PreferredStockDividendsPerShareCashPaid" scale="0" id="f-357">63.76</ix:nonFraction>)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-38" decimals="-6" name="us-gaap:DividendsPreferredStock" scale="6" id="f-358">33</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:DividendsPreferredStock" scale="6" id="f-359">33</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Purchase of common stock</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="c-9" decimals="0" name="us-gaap:StockRepurchasedDuringPeriodShares" format="ixt:num-dot-decimal" scale="0" id="f-360">2,336,935</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-37" decimals="-6" name="us-gaap:StockRepurchasedDuringPeriodValue" scale="6" id="f-361">24</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:StockRepurchasedDuringPeriodValue" scale="6" id="f-362">24</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other comprehensive loss, net of tax</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" scale="6" id="f-363">535</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" scale="6" id="f-364">535</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Balance at December 31, 2022</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-8" decimals="INF" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-365">681,217,334</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-12" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-366">503</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-13" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-367">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-14" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-368">8,130</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-15" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-369">1,041</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-16" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-370">237</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-17" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-371">620</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-372">8,824</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Year Ended December 31, 2021</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Balance at December 31, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-39" decimals="INF" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-373">463,901,808</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-40" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-374">503</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-41" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-375">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-42" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-376">6,123</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-43" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-377">494</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-44" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-378">258</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-45" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-379">25</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-39" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-380">6,842</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Shares issued for restricted stock, net of forfeitures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-10" decimals="0" name="us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" format="ixt:num-dot-decimal" scale="0" id="f-381">2,515,942</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-46" decimals="-6" sign="-" name="us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" scale="6" id="f-382">28</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-47" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" scale="6" id="f-383">28</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" format="ixt:fixed-zero" scale="6" id="f-384">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Compensation expense related to restricted stock awards</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-46" decimals="-6" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" scale="6" id="f-385">31</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" scale="6" id="f-386">31</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-48" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-387">596</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-388">596</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Dividends paid on common stock ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:CommonStockDividendsPerShareCashPaid" scale="0" id="f-389">0.68</ix:nonFraction>)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-48" decimals="-6" name="us-gaap:DividendsCommonStock" scale="6" id="f-390">316</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:DividendsCommonStock" scale="6" id="f-391">316</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Dividends paid on preferred stock ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:PreferredStockDividendsPerShareCashPaid" scale="0" id="f-392">63.76</ix:nonFraction>)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-48" decimals="-6" name="us-gaap:DividendsPreferredStock" scale="6" id="f-393">33</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:DividendsPreferredStock" scale="6" id="f-394">33</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Purchase of common stock</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="c-10" decimals="0" name="us-gaap:StockRepurchasedDuringPeriodShares" format="ixt:num-dot-decimal" scale="0" id="f-395">1,402,107</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-47" decimals="-6" name="us-gaap:StockRepurchasedDuringPeriodValue" scale="6" id="f-396">16</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:StockRepurchasedDuringPeriodValue" scale="6" id="f-397">16</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Other comprehensive loss, net of tax</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" scale="6" id="f-398">60</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" scale="6" id="f-399">60</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">Balance at December 31, 2021</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-28" decimals="INF" name="us-gaap:SharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-400">465,015,643</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-29" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-401">503</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-30" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-402">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-31" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-403">6,126</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-32" decimals="-6" name="us-gaap:StockholdersEquity" scale="6" id="f-404">741</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-33" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-405">246</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-34" decimals="-6" sign="-" name="us-gaap:StockholdersEquity" scale="6" id="f-406">85</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:7pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-28" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-407">7,044</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">See accompanying notes to the consolidated financial statements.</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">81</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257806"></div><hr style="page-break-after:always"/><div style="min-height:58.5pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">New York Community Bancorp, Inc.</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Consolidated Statements of Cash Flows</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:62.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.473%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.475%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">For the Years Ended December 31, </span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2021</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM OPERATING ACTIVITIES:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:NetIncomeLoss" scale="6" id="f-408">79</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-409">650</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-410">596</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustments to reconcile net income to net cash provided by operating activities:</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for loan losses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProvisionForLoanLossesExpensed" scale="6" id="f-411">833</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProvisionForLoanLossesExpensed" scale="6" id="f-412">133</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProvisionForLoanLossesExpensed" scale="6" id="f-413">3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of intangibles</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:AmortizationOfIntangibleAssets" scale="6" id="f-414">126</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:AmortizationOfIntangibleAssets" scale="6" id="f-415">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:AmortizationOfIntangibleAssets" format="ixt:fixed-zero" scale="6" id="f-416">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Depreciation</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:Depreciation" scale="6" id="f-417">39</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:Depreciation" scale="6" id="f-418">18</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:Depreciation" scale="6" id="f-419">21</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of discounts and premiums, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:AmortizationOfDebtDiscountPremium" scale="6" id="f-420">221</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:AmortizationOfDebtDiscountPremium" scale="6" id="f-421">37</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:AmortizationOfDebtDiscountPremium" scale="6" id="f-422">5</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net loss on securities</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:EquitySecuritiesFvNiGainLoss" scale="6" id="f-423">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:EquitySecuritiesFvNiGainLoss" scale="6" id="f-424">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:EquitySecuritiesFvNiGainLoss" format="ixt:fixed-zero" scale="6" id="f-425">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on sales of loans</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" scale="6" id="f-426">89</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" scale="6" id="f-427">5</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:GainLossOnSaleOfNotesReceivable" scale="6" id="f-428">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on sales of fixed assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:GainLossOnSaleOfPropertyPlantEquipment" format="ixt:fixed-zero" scale="6" id="f-429">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:GainLossOnSaleOfPropertyPlantEquipment" scale="6" id="f-430">2</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:GainLossOnSaleOfPropertyPlantEquipment" format="ixt:fixed-zero" scale="6" id="f-431">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gain on business acquisition</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:num-dot-decimal" scale="6" id="f-432">2,131</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" scale="6" id="f-433">159</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:fixed-zero" scale="6" id="f-434">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Goodwill Impairment</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:GoodwillImpairmentLoss" format="ixt:num-dot-decimal" scale="6" id="f-435">2,426</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:GoodwillImpairmentLoss" format="ixt:fixed-zero" scale="6" id="f-436">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:GoodwillImpairmentLoss" format="ixt:fixed-zero" scale="6" id="f-437">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stock-based compensation</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ShareBasedCompensation" scale="6" id="f-438">47</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ShareBasedCompensation" scale="6" id="f-439">29</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ShareBasedCompensation" scale="6" id="f-440">31</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred tax expense</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" scale="6" id="f-441">187</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" scale="6" id="f-442">3</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:DeferredIncomeTaxExpenseBenefit" scale="6" id="f-443">13</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes in operating assets and liabilities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Increase) decrease in other assets</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" scale="6" id="f-444">721</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" scale="6" id="f-445">348</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" scale="6" id="f-446">284</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Decrease in other liabilities</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" scale="6" id="f-447">255</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" scale="6" id="f-448">100</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" scale="6" id="f-449">6</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases of securities held for trading</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:IncreaseInDebtSecuritiesTrading" scale="6" id="f-450">10</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:IncreaseInDebtSecuritiesTrading" scale="6" id="f-451">75</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:IncreaseInDebtSecuritiesTrading" scale="6" id="f-452">110</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from sales of securities held for trading</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:DecreaseInDebtSecuritiesTrading" scale="6" id="f-453">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:DecreaseInDebtSecuritiesTrading" scale="6" id="f-454">75</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:DecreaseInDebtSecuritiesTrading" scale="6" id="f-455">110</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in loans held for sale, net</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInLoansHeldForSale" scale="6" id="f-456">32</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInLoansHeldForSale" scale="6" id="f-457">147</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncreaseDecreaseInLoansHeldForSale" scale="6" id="f-458">52</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash provided by operating activities</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" scale="6" id="f-459">263</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" format="ixt:num-dot-decimal" scale="6" id="f-460">1,026</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" scale="6" id="f-461">290</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM INVESTING ACTIVITIES:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from repayment of securities available for sale</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" format="ixt:num-dot-decimal" scale="6" id="f-462">1,402</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" scale="6" id="f-463">732</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" format="ixt:num-dot-decimal" scale="6" id="f-464">1,728</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from sales of securities available for sale including loans that have been securitized</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" format="ixt:num-dot-decimal" scale="6" id="f-465">1,858</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" scale="6" id="f-466">228</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" format="ixt:fixed-zero" scale="6" id="f-467">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchase of securities available for sale</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="6" id="f-468">3,046</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="6" id="f-469">2,242</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="6" id="f-470">1,796</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Redemption of Federal Home Loan Bank stock</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProceedsFromSaleOfFederalHomeLoanBankStock" format="ixt:num-dot-decimal" scale="6" id="f-471">1,501</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProceedsFromSaleOfFederalHomeLoanBankStock" scale="6" id="f-472">635</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProceedsFromSaleOfFederalHomeLoanBankStock" scale="6" id="f-473">92</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases of Federal Home Loan Bank and Federal Reserve Bank stock</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:PaymentsToAcquireFederalHomeLoanBankStock" format="ixt:num-dot-decimal" scale="6" id="f-474">1,626</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:PaymentsToAcquireFederalHomeLoanBankStock" scale="6" id="f-475">839</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:PaymentsToAcquireFederalHomeLoanBankStock" scale="6" id="f-476">112</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from bank-owned life insurance, net</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProceedsFromLifeInsurancePolicies" scale="6" id="f-477">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProceedsFromLifeInsurancePolicies" scale="6" id="f-478">16</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProceedsFromLifeInsurancePolicies" scale="6" id="f-479">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from sales of loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProceedsFromSaleOfFinanceReceivables" format="ixt:fixed-zero" scale="6" id="f-480">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProceedsFromSaleOfFinanceReceivables" format="ixt:fixed-zero" scale="6" id="f-481">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProceedsFromSaleOfFinanceReceivables" scale="6" id="f-482">37</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases of loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:PaymentsToAcquireFinanceReceivables" format="ixt:fixed-zero" scale="6" id="f-483">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:PaymentsToAcquireFinanceReceivables" scale="6" id="f-484">162</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:PaymentsToAcquireFinanceReceivables" scale="6" id="f-485">161</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net proceeds from sales of MSR's</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProceedsFromSaleOfMortgageServicingRightsMSR" scale="6" id="f-486">50</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProceedsFromSaleOfMortgageServicingRightsMSR" format="ixt:fixed-zero" scale="6" id="f-487">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProceedsFromSaleOfMortgageServicingRightsMSR" format="ixt:fixed-zero" scale="6" id="f-488">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other changes in loans, net</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:PaymentsForProceedsFromOtherChangesInFinancingReceivables" format="ixt:num-dot-decimal" scale="6" id="f-489">4,331</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:PaymentsForProceedsFromOtherChangesInFinancingReceivables" format="ixt:num-dot-decimal" scale="6" id="f-490">5,019</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:PaymentsForProceedsFromOtherChangesInFinancingReceivables" format="ixt:num-dot-decimal" scale="6" id="f-491">2,558</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases of premises and equipment, net</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="fbc:ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" scale="6" id="f-492">66</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="fbc:ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" scale="6" id="f-493">3</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="fbc:ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" scale="6" id="f-494">4</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash acquired in business acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:CashAcquiredFromAcquisition" format="ixt:num-dot-decimal" scale="6" id="f-495">24,901</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:CashAcquiredFromAcquisition" scale="6" id="f-496">331</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:CashAcquiredFromAcquisition" format="ixt:fixed-zero" scale="6" id="f-497">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash provided by (used in) investing activities</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-498">20,673</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-499">6,323</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" format="ixt:num-dot-decimal" scale="6" id="f-500">2,762</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM FINANCING ACTIVITIES:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (decrease) increase in deposits</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInDeposits" format="ixt:num-dot-decimal" scale="6" id="f-501">10,738</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncreaseDecreaseInDeposits" format="ixt:num-dot-decimal" scale="6" id="f-502">7,662</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncreaseDecreaseInDeposits" format="ixt:num-dot-decimal" scale="6" id="f-503">2,622</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (decrease) increase in short-term borrowed funds</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:ProceedsFromRepaymentsOfShortTermDebt" scale="6" id="f-504">550</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProceedsFromRepaymentsOfShortTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-505">2,550</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProceedsFromRepaymentsOfShortTermDebt" scale="6" id="f-506">950</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from long-term borrowed funds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProceedsFromIssuanceOfLongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-507">19,850</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProceedsFromIssuanceOfLongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-508">9,479</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProceedsFromIssuanceOfLongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-509">2,072</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Repayments of long-term borrowed funds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:RepaymentsOfLongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-510">19,374</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:RepaymentsOfLongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-511">13,960</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:RepaymentsOfLongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-512">2,544</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net disbursement of payments of loans serviced for others</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" scale="6" id="f-513">66</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" scale="6" id="f-514">189</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" format="ixt:fixed-zero" scale="6" id="f-515">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash dividends paid on common stock</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:PaymentsOfDividendsCommonStock" scale="6" id="f-516">486</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:PaymentsOfDividendsCommonStock" scale="6" id="f-517">317</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:PaymentsOfDividendsCommonStock" scale="6" id="f-518">316</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash dividends paid on preferred stock</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock" scale="6" id="f-519">33</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock" scale="6" id="f-520">33</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock" scale="6" id="f-521">33</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Treasury stock repurchased</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:fixed-zero" scale="6" id="f-522">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:PaymentsForRepurchaseOfCommonStock" scale="6" id="f-523">7</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:PaymentsForRepurchaseOfCommonStock" format="ixt:fixed-zero" scale="6" id="f-524">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Payments relating to treasury shares received for restricted stock award tax payments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:PaymentsRelatedToTaxWithholdingForShareBasedCompensation" scale="6" id="f-525">12</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:PaymentsRelatedToTaxWithholdingForShareBasedCompensation" scale="6" id="f-526">17</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:PaymentsRelatedToTaxWithholdingForShareBasedCompensation" scale="6" id="f-527">16</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash (used in) provided by financing activities</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-528">11,409</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-529">5,168</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" format="ixt:num-dot-decimal" scale="6" id="f-530">2,735</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net  increase (decrease) in cash, cash equivalents, and restricted cash</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" format="ixt:num-dot-decimal" scale="6" id="f-531">9,527</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" scale="6" id="f-532">129</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" scale="6" id="f-533">263</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash, cash equivalents, and restricted cash at beginning of year</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-534">2,082</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-28" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-535">2,211</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-39" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-536">1,948</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash, cash equivalents, and restricted cash at end of year </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-537">11,609</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-538">2,082</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-28" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-539">2,211</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr></table></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">82</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:58.5pt;width:100%"><div><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:62.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.473%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.475%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Supplemental information:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash paid for interest</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestPaidNet" format="ixt:num-dot-decimal" scale="6" id="f-540">2,290</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestPaidNet" scale="6" id="f-541">657</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestPaidNet" scale="6" id="f-542">402</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash paid for income taxes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncomeTaxesPaid" scale="6" id="f-543">54</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeTaxesPaid" scale="6" id="f-544">17</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeTaxesPaid" scale="6" id="f-545">471</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-cash investing and financing activities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers to repossessed assets from loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:TransferToOtherRealEstate" scale="6" id="f-546">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:TransferToOtherRealEstate" format="ixt:fixed-zero" scale="6" id="f-547">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:TransferToOtherRealEstate" scale="6" id="f-548">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securitization of  loans to mortgage-backed securities available for sale</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" scale="6" id="f-549">222</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" scale="6" id="f-550">162</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" scale="6" id="f-551">161</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer of loans from held for investment to held for sale</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:TransferOfPortfolioLoansAndLeasesToHeldForSale1" scale="6" id="f-552">163</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:TransferOfPortfolioLoansAndLeasesToHeldForSale1" format="ixt:fixed-zero" scale="6" id="f-553">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:TransferOfPortfolioLoansAndLeasesToHeldForSale1" scale="6" id="f-554">52</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfer of loans from held for sale to held for investment</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:TransferOfLoansHeldForSaleToPortfolioLoans1" format="ixt:fixed-zero" scale="6" id="f-555">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:TransferOfLoansHeldForSaleToPortfolioLoans1" format="ixt:fixed-zero" scale="6" id="f-556">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:TransferOfLoansHeldForSaleToPortfolioLoans1" scale="6" id="f-557">94</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">MSRs resulting from sale or securitization of loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" format="ixt:fixed-zero" scale="6" id="f-558">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" scale="6" id="f-559">19</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" format="ixt:fixed-zero" scale="6" id="f-560">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Shares issued for restricted stock awards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-49" decimals="-6" name="us-gaap:StockIssued1" scale="6" id="f-561">31</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-50" decimals="-6" name="us-gaap:StockIssued1" scale="6" id="f-562">33</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-51" decimals="-6" name="us-gaap:StockIssued1" scale="6" id="f-563">28</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Business Combinations:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of tangible assets acquired</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FairValueOfAssetsAcquired" format="ixt:num-dot-decimal" scale="6" id="f-564">37,384</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FairValueOfAssetsAcquired" format="ixt:num-dot-decimal" scale="6" id="f-565">24,449</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:FairValueOfAssetsAcquired" format="ixt:fixed-zero" scale="6" id="f-566">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Intangible assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1" scale="6" id="f-567">464</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1" scale="6" id="f-568">292</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1" format="ixt:fixed-zero" scale="6" id="f-569">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" format="ixt:fixed-zero" scale="6" id="f-570">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" format="ixt:num-dot-decimal" scale="6" id="f-571">1,012</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" format="ixt:fixed-zero" scale="6" id="f-572">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities assumed</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" format="ixt:num-dot-decimal" scale="6" id="f-573">35,632</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" format="ixt:num-dot-decimal" scale="6" id="f-574">23,584</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" format="ixt:fixed-zero" scale="6" id="f-575">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common Stock issued in business combination</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-52" decimals="-6" name="us-gaap:StockIssued1" format="ixt:fixed-zero" scale="6" id="f-576">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:CommonStockIssuedInBusinessCombination" format="ixt:num-dot-decimal" scale="6" id="f-577">2,010</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:CommonStockIssuedInBusinessCombination" format="ixt:fixed-zero" scale="6" id="f-578">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Issuance of FDIC Equity appreciation instrument</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:EquityInstrumentFDICAppreciationIssued" scale="6" id="f-579">85</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:EquityInstrumentFDICAppreciationIssued" format="ixt:fixed-zero" scale="6" id="f-580">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:EquityInstrumentFDICAppreciationIssued" format="ixt:fixed-zero" scale="6" id="f-581">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) <ix:footnote id="fn-1" footnoteRole="http://www.xbrl.org/2003/role/footnote">For further information on restricted cash, see Note 2 - Summary of Significant Accounting Policies</ix:footnote></span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">See accompanying notes to the consolidated financial statements.</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">83</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257672"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257819"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 1 - <ix:nonNumeric contextRef="c-1" name="us-gaap:OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock" id="f-582" continuedAt="f-582-1" escape="true">Description of Business, Organization and Basis of Presentation</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-582-1" continuedAt="f-582-2"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Organization </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">New York Community Bancorp, Inc. (on a stand-alone basis, the &#8220;Parent Company&#8221; or, collectively with its subsidiaries, the &#8220;Company&#8221; or "we") was organized under Delaware law on July 20, 1993 and is the holding company for Flagstar Bank N.A. (hereinafter referred to as the &#8220;Bank&#8221;).  The Company is headquartered in Hicksville, New York with regional headquarters in Troy, Michigan. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is subject to regulation, examination and supervision by the Federal Reserve. The Bank is a National Association, subject to federal regulation and oversight by the OCC.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 23, 1993, the Company issued its initial offering of common stock (par value: $<ix:nonFraction unitRef="usdPerShare" contextRef="c-53" decimals="2" name="us-gaap:CommonStockParOrStatedValuePerShare" scale="0" id="f-583">0.01</ix:nonFraction> per share) at a price of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-54" decimals="2" name="us-gaap:SharesIssuedPricePerShare" scale="0" id="f-584">25.00</ix:nonFraction> per share ($<ix:nonFraction unitRef="usdPerShare" contextRef="c-53" decimals="2" name="fbc:SharesIssuedPricePerShareSplitAdjustedBasis" scale="0" id="f-585">0.93</ix:nonFraction> per share on a split-adjusted basis, reflecting the impact of nine stock splits between 1994 and 2004).  The Company has grown organically and through a series of accretive mergers and acquisitions, culminating in its acquisition of Flagstar Bancorp, Inc., which closed on December 1, 2022 and the Signature Transaction which closed on March 20, 2023. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Flagstar Bank, N.A. currently operates <ix:nonFraction unitRef="branch" contextRef="c-7" decimals="INF" name="fbc:NumberOfBranches" scale="0" id="f-586">420</ix:nonFraction> branches across <ix:nonFraction unitRef="state" contextRef="c-7" decimals="INF" name="us-gaap:NumberOfStatesInWhichEntityOperates" format="ixt-sec:numwordsen" scale="0" id="f-587">twelve</ix:nonFraction> states, including strong footholds in the Northeast and Midwest and exposure to markets in the Southeast and West Coast. Flagstar Mortgage operates nationally through a wholesale network of approximately <ix:nonFraction unitRef="originator" contextRef="c-1" decimals="0" name="fbc:FinancingReceivableNumberOfThirdPartyMortgageOriginators" format="ixt:num-dot-decimal" scale="0" id="f-588">3,600</ix:nonFraction> third-party mortgage originators.  Flagstar Bank N.A. also operates through <ix:nonFraction unitRef="division" contextRef="c-7" decimals="INF" name="fbc:NumberOfLocalDivisions" format="ixt-sec:numwordsen" id="f-589">nine</ix:nonFraction> local divisions, each with a history of service and strength: New York Community Bank, Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio; and AmTrust Bank in Arizona and Florida. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Liquidity</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On a consolidated basis, our funding primarily stems from a combination of the following sources: retail, institutional, and brokered deposits; borrowed funds, primarily in the form of wholesale borrowings; cash flows generated through the repayment and sale of loans; and cash flows generated through the repayment and sale of securities.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We manage our liquidity to ensure that our cash flows are sufficient to support our operations, to compensate for any temporary mismatches between sources and uses of funds caused by variable loan and deposit demand, and to ensure that sufficient funds are available to meet our financial obligations. See Note 22 - Subsequent Events for further information on our recent capital raise.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Basis of Presentation </span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:BasisOfAccountingPolicyPolicyTextBlock" id="f-590" continuedAt="f-590-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a description of the significant accounting and reporting policies that the Company and its subsidiaries follow in preparing and presenting their consolidated financial statements, which conform to U.S. generally accepted accounting principles and to general practices within the banking industry. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and judgments that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. Estimates are used in connection with the determination of the allowance for credit losses, mortgage servicing rights, the Flagstar acquisition and the Signature Transaction. </span></div></ix:nonNumeric><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="us-gaap:ConsolidationPolicyTextBlock" id="f-591" escape="true">The accompanying consolidated financial statements include the accounts of the Company and other entities in which the Company has a controlling financial interest. All inter-company accounts and transactions are eliminated in consolidation. The Company currently has certain unconsolidated subsidiaries in the form of wholly-owned statutory business trusts, which were formed to issue guaranteed capital securities.</ix:nonNumeric> See Note 12 - Borrowed Funds for additional information regarding these trusts. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When necessary, certain reclassifications have been made to prior-year amounts to conform to the current-year presentation.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Loans</span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">84</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-582-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Effective January 1, 2023, the Company adopted the provisions of Accounting Standards Update (ASU) No. 2022-02, "Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures" (ASU 2022-02), which eliminated the accounting for troubled debt restructurings (TDRs) while expanding loan modification and vintage disclosure requirements. Under ASU 2022-02, the Corporation assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty, regardless of whether the modified loan terms include a concession. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof (collectively referred to as Troubled Debt Modifications or TDMs).</span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock" id="f-592" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to the adoption of ASU 2022-02, the Company accounted for certain loan modifications and restructurings as TDRs. In general, a modification or restructuring of a loan constituted a TDR if the Company granted a concession to a borrower experiencing financial difficulty.</span></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" id="f-593" escape="true"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adoption of New Accounting Standards</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:20.976%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:28.870%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:46.854%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Standard</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Description</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Effective Date</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2022-02 eliminates prior accounting guidance for TDRs, while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. The standard also requires that an entity disclose current-period gross charge-offs by year of origination for financing receivables and net investments in leases. <br/></span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">The Company adopted ASU 2022-02 effective January 1, 2023 using a modified retrospective transition approach for the amendments related to the recognition and measurement of TDRs. The impact of the adoption resulted in an immaterial change to the allowance for credit losses ("ACL"), thus no adjustment to retained earnings was recorded. Disclosures have been updated to reflect information on loan modifications given to borrowers experiencing financial difficulty as presented in Note 6. TDR disclosures are presented for comparative periods only and are not required to be updated in current periods. Additionally, the current year vintage disclosure included in Note 6 has been updated to reflect gross charge-offs by year of origination for the three months ended September 30, 2023.</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2023-02 Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method Issued: March 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2023-02 permits reporting entities to elect to account for their tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met.</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">The Company adopted ASU 2023-02 effective January 1, 2023 and it did not have a significant impact on the Company's consolidated financial statements.</span></div></td></tr></table></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257831"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 2 - <ix:nonNumeric contextRef="c-1" name="us-gaap:SignificantAccountingPoliciesTextBlock" id="f-594" continuedAt="f-594-1" escape="true">Summary of Significant Accounting Policies</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-594-1" continuedAt="f-594-2"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Cash and Cash Equivalents and Restricted Cash</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:CashAndCashEquivalentsPolicyTextBlock" id="f-595" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For cash flow reporting purposes, cash and cash equivalents include cash on hand, amounts due from banks, and money market investments, which include federal funds sold and reverse repurchase agreements, if any. At December&#160;31, 2023 and 2022, the Company&#8217;s cash and cash equivalents totaled $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="9" id="f-596">11.5</ix:nonFraction> billion and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-8" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" format="ixt:num-dot-decimal" scale="9" id="f-597">2.0</ix:nonFraction> billion, respectively. Included in cash and cash equivalents at those dates were $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-7" name="us-gaap:DepositsAssets" format="ixt:num-dot-decimal" scale="9" id="f-598">10.7</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DepositsAssets" format="ixt:num-dot-decimal" scale="6" id="f-599">837</ix:nonFraction>&#160;million</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">respectively, of interest-bearing deposits in other financial institutions, primarily consisting of balances due from the FRB-NY.   There were <ix:nonFraction unitRef="usd" contextRef="c-7" decimals="INF" name="us-gaap:SecuritiesForReverseRepurchaseAgreements" format="ixt-sec:numwordsen" id="f-600">no</ix:nonFraction> reverse repurchase agreements outstanding as of December&#160;31, 2023 and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:SecuritiesForReverseRepurchaseAgreements" format="ixt:num-dot-decimal" scale="6" id="f-601">793</ix:nonFraction>&#160;million of reverse repurchase agreements were outstanding at December&#160;31, 2022. There were <ix:nonFraction unitRef="usd" contextRef="c-8" decimals="INF" name="us-gaap:FederalFundsSold" format="ixt-sec:numwordsen" id="f-602"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="INF" name="us-gaap:FederalFundsSold" format="ixt-sec:numwordsen" id="f-603">no</ix:nonFraction></ix:nonFraction> federal funds sold outstanding at December&#160;31, 2023 or December&#160;31, 2022. Restricted cash totaled $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:RestrictedCash" format="ixt:num-dot-decimal" scale="6" id="f-604">134</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:RestrictedCash" format="ixt:num-dot-decimal" scale="6" id="f-605">50</ix:nonFraction>&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively and includes cash that the Bank pledges as maintenance margin on centrally cleared derivatives and is included in other assets on the Consolidated Statements of Condition.</span></div></ix:nonNumeric><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Debt Securities and Equity Investments with Readily Determinable Fair Values</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:InvestmentPolicyTextBlock" id="f-606" continuedAt="f-606-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The securities portfolio primarily consists of mortgage-related securities and, to a lesser extent, debt and equity securities. Securities that are classified as &#8220;available for sale&#8221; are carried at their estimated fair value, with any unrealized gains or losses, net of taxes, reported as accumulated other comprehensive income or loss in stockholders&#8217; equity. Securities that the Company has the intent and ability to hold to maturity are classified as &#8220;held to maturity&#8221; and carried at amortized cost. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of our securities&#8212;and particularly our fixed-rate securities&#8212;are affected by changes in market interest rates and credit spreads. In general, as interest rates rise and/or credit spreads widen, the fair value of fixed-rate securities will decline. As interest rates fall and/or credit spreads tighten, the fair value of fixed-rate securities will rise. </span></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">85</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-594-2" continuedAt="f-594-3"><ix:continuation id="f-606-1" continuedAt="f-606-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates available-for-sale debt securities in unrealized loss positions at least quarterly to determine if an allowance for credit losses is required. Based on an evaluation of available information about past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, the Company has concluded that it expects to receive all contractual cash flows from each security held in its available-for-sale securities portfolio. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company first assesses whether (i) it intends to sell, or (ii) it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. If either of these criteria is met, any previously recognized allowances are charged off and the security&#8217;s amortized cost basis is written down to fair value through income. If neither of the aforementioned criteria are met, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management has made the accounting policy election to exclude accrued interest receivable on available-for-sale securities from the estimate of credit losses. Available-for-sale debt securities are placed on non-accrual status when the Company no longer expects to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest receivable is reversed against interest income when a security is placed on non-accrual status. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Equity investments with readily determinable fair values are measured at fair value with changes in fair value recognized in net income. </span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-606-2">Premiums and discounts on securities are amortized to expense and accreted to income over the remaining period to contractual maturity using the interest method, and are adjusted for anticipated prepayments. Dividend and interest income are recognized when earned. The cost of securities sold is based on the specific identification method.</ix:continuation> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Federal Home Loan Bank Stock</span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-590-1" continuedAt="f-590-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a member of the FHLB-NY, the Company is required to hold shares of FHLB-NY stock, which is carried at cost.  In addition, in connection with the Flagstar acquisition, the Company also holds shares of FHLB-Indianapolis stock, which is carried at cost. The Company&#8217;s holding requirement varies based on certain factors, including its outstanding borrowings from the FHLB-NY and FHLB-Indianapolis. </span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-590-2">The Company conducts a periodic review and evaluation of its FHLB-NY stock to determine if any impairment exists. The factors considered in this process include, among others, significant deterioration in FHLB-NY earnings performance, credit rating, or asset quality; significant adverse changes in the regulatory or economic environment; and other factors that could raise significant concerns about the creditworthiness and the ability of the FHLB-NY to continue as a going concern.</ix:continuation> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loans Held-for-Sale</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy" id="f-607" escape="true">The Company classifies loans as LHFS when we originate or purchase loans that we intend to sell. We have elected the fair value option for the majority of our LHFS. The Company estimates the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral. Changes in fair value are recorded to other noninterest income on the Consolidated Statements of Income and Comprehensive Income. LHFS that are recorded at the lower of cost or fair value may be carried at fair value on a nonrecurring basis when the fair value is less than cost.</ix:nonNumeric> For further information, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 18 - Fair Value Measures</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" id="f-608" continuedAt="f-608-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans that are transferred into the LHFS portfolio from the LHFI portfolio, due to a change in intent, are recorded at the lower of cost or fair value. Gains or losses recognized upon the sale of loans are determined using the specific identification method.</span></div></ix:nonNumeric></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">86</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-594-3" continuedAt="f-594-4"><ix:continuation id="f-608-1"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loans Held for Investment</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans and leases, net, are carried at unpaid principal balances, including unearned discounts, purchase accounting (i.e., acquisition-date fair value) adjustments, net deferred loan origination costs or fees, and the allowance for credit losses on loans and leases. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company recognizes interest income on loans using the interest method over the life of the loan. Accordingly, the Company defers certain loan origination and commitment fees, and certain loan origination costs, and amortizes the net fee or cost as an adjustment to the loan yield over the term of the related loan. When a loan is sold or repaid, the remaining net unamortized fee or cost is recognized in interest income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prepayment income on loans is recorded in interest income and only when cash is received. Accordingly, there are no assumptions involved in the recognition of prepayment income.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Two factors are considered in determining the amount of prepayment income: the prepayment penalty percentage set forth in the loan documents, and the principal balance of the loan at the time of prepayment. The volume of loans prepaying may vary from one period to another, often in connection with actual or perceived changes in the direction of market interest rates. When interest rates are declining, rising precipitously, or perceived to be on the verge of rising, prepayment income may increase as more borrowers opt to refinance and lock in current rates prior to further increases taking place. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan generally is classified as a &#8220;non-accrual&#8221; loan when it is 90 days or more past due or when it is deemed to be impaired because the Company no longer expects to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, management ceases the accrual of interest owed, and previously accrued interest is charged against interest income. A loan is generally returned to accrual status when the loan is current and management has reasonable assurance that the loan will be fully collectible. Interest income on non-accrual loans is recorded when received in cash. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loans with Government Guarantees</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company originates government guaranteed loans which are pooled and sold as Ginnie Mae MBS. Pursuant to Ginnie Mae servicing guidelines, the Company has the unilateral right to repurchase loans securitized in Ginnie Mae pools that are due, but unpaid, for three consecutive months. As a result, once the delinquency criteria have been met, and regardless of whether the repurchase option has been exercised, the Company accounts for the loans as if they had been repurchased. The Company recognizes the loans and corresponding liability as loans with government guarantees and loans with government guarantees repurchase options, respectively, in the Consolidated Statements of Condition. If the loan is repurchased, the liability is cash settled and the loan with government guarantee remains. Once repurchased, the Company works to cure the outstanding loans such that they are re-eligible for sale or may begin foreclosure and recover losses through a claims process with the government agency, as an approved lender.</span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Allowance for Credit Losses on Loans and Leases</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:CreditLossFinancialInstrumentPolicyTextBlock" id="f-609" continuedAt="f-609-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses on loans and leases is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount the Company expects to collect. Amortized cost is the unpaid loan balance, net of deferred fees and expenses, and includes negative escrow. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense. Management estimates the allowance by projecting and multiplying together the probability-of-default, loss- given-default and exposure-at-default depending on economic parameters for each month of the remaining contractual term, as well as credit ratings for certain loans within the commercial and industrial portfolio. The Company loss drivers for certain loans in the commercial and industrial portfolio are derived using leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast. The Company estimates the exposure-at-default using prepayment models which forecasts prepayments over the life of the loans and leases. The economic forecast and the related economic parameters are developed using available information relating to past events, current conditions, multiple economic forecasts scenarios, including related weightings, over the reasonable and supportable forecast period and macroeconomic assumptions. The economic forecast scenarios and related economic parameters are sourced from independent third parties. The economic forecast reasonable and supportable period is 24 months, and afterwards the Company reverts to a historical average loss rate on a straight-line basis over a 12-month period. Historical credit loss experience over the historical loss observation period provides the basis for the estimation of expected credit losses, with qualitative factor adjustments made </span></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">87</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-594-4" continuedAt="f-594-5"><ix:continuation id="f-609-1"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, current collateral valuations, delinquency levels and terms, as well as for changes in environmental conditions, such as changes in legislation, regulation, policies, administrative practices or other relevant factors. Expected credit losses are estimated over the contractual term of the loans, adjusted for forecasted prepayments when appropriate. The contractual term excludes potential extensions or renewals. The methodology used in the estimation of the allowance for credit losses on loan and leases, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality and forecasted economic conditions. Each quarter the Company reassesses the appropriateness of the economic forecasting period, the reversion period and historical mean at the portfolio segment level, considering any required adjustments for differences in underwriting standards, portfolio mix, and other relevant data shifts over time.</span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses on loans and leases is measured on a collective (pool) basis when similar risk characteristics exist. The portfolio segment represents the level at which a systematic methodology is applied to estimate credit losses. Management believes the products within each of the entity&#8217;s portfolio segments exhibit similar risk characteristics. The Company leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans that do not share risk characteristics are evaluated on an individual basis. These include loans that are in nonaccrual status with balances above management determined materiality thresholds depending on loan class and also loans that are designated as TDR or &#8220;reasonably expected TDR&#8221; (criticized, classified, or maturing loans that will have a modification processed within the next three months).  If a loan is determined to be collateral dependent, or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company maintains an allowance for credit losses on off-balance sheet credit exposures. At December&#160;31, 2023 and December&#160;31, 2022, the allowance for credit losses on off-balance sheet exposures was $<ix:nonFraction unitRef="usd" contextRef="c-55" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-610">52</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-56" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-611">23</ix:nonFraction>&#160;million, respectively. The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit losses expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated life. The Company examined historical CCF trends to estimate utilization rates, and chose an appropriate mean CCF based on both management judgment and quantitative analysis. Quantitative analysis involved examination of CCFs over a range of fund-up windows (between 12 and 36 months) and comparison of the mean CCF for each fund-up window with management judgment determining whether the highest mean CCF across fund-up windows made business sense. The Company applies the same standards and estimated loss rates to the credit exposures as to the related class of loans.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When applying this critical accounting estimate, we incorporate several inputs and judgments that may be influenced by changes period to period. These include, but are not limited to changes in the economic environment and forecasts, changes in the credit profile and characteristics of the loan portfolio, and changes in prepayment assumptions which will result in provisions to or recoveries from the balance of the allowance for credit losses.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While changes to the economic environment forecasts and portfolio characteristics will change from period to period, portfolio prepayments are an integral assumption in estimating the allowance for credit losses on our commercial real estate (multi-family, CRE and ADC) portfolio which comprises <ix:nonFraction unitRef="number" contextRef="c-55" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" format="ixt:num-dot-decimal" scale="-2" id="f-612">60</ix:nonFraction> percent of the loan portfolio at December&#160;31, 2023. Portfolio prepayments are subject to estimation uncertainty and changes in this assumption could have a material impact to our estimation process. Prepayment assumptions are sensitive to interest rates and existing loan terms and determine the weighted average life of the commercial mortgage loan portfolio. Excluding other factors, as the weighted average life of the portfolio increases or decreases, so will the required amount of the allowance for credit losses on commercial real estate.</span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Goodwill</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:GoodwillAndIntangibleAssetsGoodwillPolicy" id="f-613" continuedAt="f-613-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates goodwill for impairment at least annually or when triggering events are identified. We utilize a market approach to determine the fair value of our single reporting unit, which considers how a market participant would view a control premium, complemented by an income approach if deemed necessary. The resulting value is then compared to our book value and any shortfalls would be recorded as an impairment.</span></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">88</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-594-5" continuedAt="f-594-6"><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"><ix:continuation id="f-613-1">As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price, control premium for completed bank acquisitions, and an adjustment for Company-specific risk considerations based on subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of any shortfall which was calculated to be in excess of the goodwill balance. The Company&#8217;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023, as confirmed by the Company&#8217;s current market capitalization.</ix:continuation>  As a result, the Company recorded an impairment charge of the entire goodwill balance of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-8" name="us-gaap:GoodwillImpairmentLoss" format="ixt:num-dot-decimal" scale="9" id="f-614">2.4</ix:nonFraction> billion. Additional information on the methodologies and assumptions used in the goodwill impairment analysis can be found in Note 16 - Intangible Assets.</span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Mortgage Servicing Rights</span></div><div><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:LoansAndLeasesReceivableMortgageBankingActivitiesPolicy" id="f-615" continuedAt="f-615-1" escape="true"><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company purchases and originates mortgage loans for sale to the secondary market and sell the loans on either a servicing-retained or servicing-released basis. If the Company retains the right to service the loan, an MSR is created at the time of sale which is recorded at fair value. The Company uses an internal valuation model that utilizes an option-adjusted spread, constant prepayment speeds, costs to service and other assumptions to determine the fair value of MSRs.</span></div></ix:nonNumeric><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-615-1">Management obtains third-party valuations of the MSR portfolio on a quarterly basis from independent valuation services to assess the reasonableness of the fair value calculated by our internal valuation model. Changes in the fair value of our MSRs are reported on the Consolidated Statements of Income and Comprehensive Income in net return on mortgage servicing.</ix:continuation> For further information, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 9 - Mortgage Servicing Rights</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 18 - Fair Value Measures</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Premises and Equipment, Net</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="us-gaap:PropertyPlantAndEquipmentPolicyTextBlock" id="f-616" escape="true">Premises, furniture, fixtures, and equipment are carried at cost, less the accumulated depreciation computed on a straight-line basis over the estimated useful lives of the respective assets (generally <ix:nonNumeric contextRef="c-57" name="us-gaap:PropertyPlantAndEquipmentUsefulLife" format="ixt-sec:duryear" id="f-617">20</ix:nonNumeric> years for premises and <span style="-sec-ix-hidden:f-618">three</span> to <ix:nonNumeric contextRef="c-59" name="us-gaap:PropertyPlantAndEquipmentUsefulLife" format="ixt-sec:durwordsen" id="f-619">ten years</ix:nonNumeric> for furniture, fixtures, and equipment). Leasehold improvements are carried at cost less the accumulated amortization computed on a straight-line basis over the shorter of the related lease term or the estimated useful life of the improvement.</ix:nonNumeric> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation is included in &#8220;Occupancy and equipment expense&#8221; in the Consolidated Statements of Income and Comprehensive Income, and amounted to $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:Depreciation" format="ixt:num-dot-decimal" scale="6" id="f-620">39</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:Depreciation" format="ixt:num-dot-decimal" scale="6" id="f-621">18</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:Depreciation" format="ixt:num-dot-decimal" scale="6" id="f-622">21</ix:nonFraction>&#160;million, respectively, in the years ended December&#160;31, 2023, 2022, and 2021. Accumulated depreciation as of December&#160;31, 2023 and December&#160;31, 2022 was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:PropertyPlantAndEquipmentOwnedAccumulatedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-623">526</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:PropertyPlantAndEquipmentOwnedAccumulatedDepreciation" format="ixt:num-dot-decimal" scale="6" id="f-624">434</ix:nonFraction>&#160;million. <ix:nonNumeric contextRef="c-1" name="us-gaap:PropertyPlantAndEquipmentTextBlock" id="f-625" continuedAt="f-625-1" escape="true">The estimated useful lives for the principal classes of assets are as follows:</ix:nonNumeric></span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:center;text-indent:24.5pt"><ix:continuation id="f-625-1"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.918%"><tr><td style="width:1.0%"/><td style="width:74.334%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.792%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.474%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premises and Equipment</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Useful Lives</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Buildings</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-60" name="us-gaap:PropertyPlantAndEquipmentUsefulLife" format="ixt-sec:duryear" id="f-626">30</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Furniture, fixtures and equipment, and building improvements</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-61" name="us-gaap:PropertyPlantAndEquipmentUsefulLife" format="ixt-sec:duryear" id="f-627">13.5</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leasehold improvements</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-62" name="us-gaap:PropertyPlantAndEquipmentUsefulLife" format="ixt-sec:duryear" id="f-628">10</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ATMs</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-63" name="us-gaap:PropertyPlantAndEquipmentUsefulLife" format="ixt-sec:duryear" id="f-629">7</ix:nonNumeric></span></td></tr></table></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:center;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Bank-Owned Life Insurance</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="fbc:BankOwnedLifeInsurancePolicyTextBlock" id="f-630" escape="true">The Company has purchased life insurance policies on certain employees. These BOLI policies are recorded in the Consolidated Statements of Condition at their cash surrender value. Income from these policies and changes in the cash surrender value are recorded in &#8220;Non-interest income&#8221; in the Consolidated Statements of Income and Comprehensive Income.</ix:nonNumeric> At December&#160;31, 2023 and 2022, the Company&#8217;s investment in BOLI was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="us-gaap:BankOwnedLifeInsurance" format="ixt:num-dot-decimal" scale="9" id="f-631">1.6</ix:nonFraction> billion. The Company&#8217;s investment in BOLI generated income of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:BankOwnedLifeInsuranceIncome" format="ixt:num-dot-decimal" scale="6" id="f-632">43</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:BankOwnedLifeInsuranceIncome" format="ixt:num-dot-decimal" scale="6" id="f-633">32</ix:nonFraction> million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:BankOwnedLifeInsuranceIncome" format="ixt:num-dot-decimal" scale="6" id="f-634">29</ix:nonFraction> million, respectively, during the years ended December&#160;31, 2023, 2022, and 2021. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Variable Interest Entities</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="us-gaap:ConsolidationVariableInterestEntityPolicy" id="f-635" escape="true">An entity that has a controlling financial interest in a VIE is referred to as the primary beneficiary and consolidates the VIE. An entity is deemed to have a controlling financial interest and is the primary beneficiary of a VIE if it has both the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE.</ix:nonNumeric> For further information, see Note 10 - Variable Interest Entities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Repossessed Assets and OREO</span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">89</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-594-6" continuedAt="f-594-7"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="us-gaap:RealEstateOwnedValuationAllowancePolicy" id="f-637" escape="true"><ix:nonNumeric contextRef="c-1" name="us-gaap:LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy" id="f-636" escape="true">Repossessed assets consist of any property or other assets acquired through, or in lieu of, foreclosure are sold or rented, and are recorded at fair value, less the estimated selling costs, at the date of acquisition. Following foreclosure, management periodically performs a valuation of the asset, and the assets are carried at the lower of the carrying amount or fair value, less the estimated selling costs. Expenses and revenues from operations and changes in valuation, if any, are included in &#8220;General and administrative expense&#8221; in the Consolidated Statements of Income and Comprehensive Income.</ix:nonNumeric></ix:nonNumeric> At December&#160;31, 2023, the Company had $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:OtherRealEstate" format="ixt:num-dot-decimal" scale="6" id="f-638">5</ix:nonFraction>&#160;million of OREO, $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:IntangibleAssetsAcquiredThroughForeclosure" format="ixt:num-dot-decimal" scale="6" id="f-639">4</ix:nonFraction>&#160;million of taxi medallions and $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:OtherForeclosedAssets" format="ixt:num-dot-decimal" scale="6" id="f-640">5</ix:nonFraction>&#160;million of repossessed specialty equipment. At December&#160;31, 2022, the Company had $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:OtherRealEstate" format="ixt:num-dot-decimal" scale="6" id="f-641">8</ix:nonFraction> million of OREO and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:IntangibleAssetsAcquiredThroughForeclosure" format="ixt:num-dot-decimal" scale="6" id="f-642">4</ix:nonFraction>&#160;million of taxi medallions. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Servicing Fee Income</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><ix:nonNumeric contextRef="c-1" name="us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" id="f-643" escape="true"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Servicing fee income, late fees and ancillary fees received on loans for which the Company owns the MSR are included in net return on mortgage servicing rights on the Consolidated Statements of Income and Comprehensive Income. The fees are based on the outstanding principal and are recorded as income when earned. Subservicing fees, which are included in loan administration income on the Consolidated Statements of Income and Comprehensive Income, are based on a contractual monthly amount per loan including late fees and other ancillary income.</span></ix:nonNumeric><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Income Taxes</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:IncomeTaxPolicyTextBlock" id="f-644" continuedAt="f-644-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense consists of income taxes that are currently payable and deferred income taxes. Deferred income tax expense is determined by recognizing deferred tax assets and liabilities for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates that are expected to apply to taxable income in years in which those temporary differences are expected to be recovered or settled. The Company assesses the deferred tax assets and establishes a valuation allowance when realization of a deferred asset is not considered to be &#8220;more likely than not.&#8221; The Company considers its expectation of future taxable income in evaluating the need for a valuation allowance. </span></div></ix:nonNumeric><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-644-1">The Company estimates income taxes payable based on the amount it expects to owe the various tax authorities (i.e., federal, state, and local). Income taxes represent the net estimated amount due to, or to be received from, such tax authorities. In estimating income taxes, management assesses the relative merits and risks of the appropriate tax treatment of transactions, taking into account statutory, judicial, and regulatory guidance in the context of the Company&#8217;s tax position. In this process, management also relies on tax opinions, recent audits, and historical experience. Although the Company uses the best available information to record income taxes, underlying estimates and assumptions can change over time as a result of unanticipated events or circumstances such as changes in tax laws and judicial guidance influencing its overall tax position.</ix:continuation> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Derivative Instruments and Hedging Activities</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:DerivativesPolicyTextBlock" id="f-645" continuedAt="f-645-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes derivative instruments to manage the fair value changes in our MSRs, interest rate lock commitments and LHFS portfolio which are exposed to price and interest rate risk; facilitate asset/liability management; minimize the variability of future cash flows on long-term debt; and to meet the needs of our customers. All derivatives are recognized on the Consolidated Statements of Condition as other assets and liabilities, as applicable, at their estimated fair value.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses interest rate swaps, swaptions, futures and forward loan sale commitments to mitigate the impact of fluctuations in interest rates and interest rate volatility on the fair value of the MSRs. Changes in their fair value are reflected in current period earnings under the net return on mortgage servicing asset. These derivatives are valued based on quoted prices for similar assets in an active market with inputs that are observable.</span></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">90</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-594-7" continuedAt="f-594-8"><ix:continuation id="f-645-1" continuedAt="f-645-2"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company also enters into various derivative agreements with customers and correspondents in the form of interest rate lock commitments and forward purchase contracts which are commitments to originate or purchase mortgage loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The derivatives are valued using internal models that utilize market interest rates and other unobservable inputs. Changes in the fair value of these commitments due to fluctuations in interest rates are economically hedged through the use of forward loan sale commitments of MBS. The gains and losses arising from this derivative activity are reflected in current period earnings under the net gain on loan sales. </span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-645-2">To assist customers in meeting their needs to manage interest rate risk, the Company enters into interest rate swap derivative contracts. To economically hedge this risk, the Company enters into offsetting derivative contracts to effectively eliminate the interest rate risk associated with these contracts.</ix:continuation> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For additional information regarding the accounting for derivatives, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 15 - Derivative and Hedging Activities</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and for additional information on recurring fair value disclosures, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 18 - Fair Value Measures</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Representation and Warranty Reserve</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonNumeric contextRef="c-1" name="us-gaap:GuaranteesIndemnificationsAndWarrantiesPolicies" id="f-646" escape="true">When the Company sells mortgage loans into the secondary mortgage market, it makes customary representations and warranties to the purchasers about various characteristics of each loan. Upon the sale of a loan, the Company recognizes a liability for that guarantee at its fair value as a reduction of our net gain on loan sales. Subsequent to the sale, the liability is re-measured at fair value on an ongoing basis based upon an estimate of probable future losses.</ix:nonNumeric> An estimate of the fair value of the guarantee associated with the mortgage loans is recorded in other liabilities in the Consolidated Statements of Condition, and was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:GuaranteesFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-647">12</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:GuaranteesFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-648">10</ix:nonFraction>&#160;million at </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2022, respectively</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Stock-Based Compensation</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><ix:nonNumeric contextRef="c-1" name="us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy" id="f-649" continuedAt="f-649-1" escape="true"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the New York Community Bancorp, Inc. 2020 Omnibus Incentive Plan (the &#8220;2020 Incentive Plan&#8221;), which was approved by the Company&#8217;s shareholders at its Annual Meeting on June 3, 2020, shares are available for grant as restricted stock or other forms of related rights. At December&#160;31, 2023, the Company had </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-7" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" format="ixt:num-dot-decimal" scale="0" id="f-650">16,143,893</ix:nonFraction></span></ix:nonNumeric><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-649-1"> shares available for grant under the 2020 Incentive Plan. Compensation cost related to restricted stock grants is recognized on a straight-line basis over the vesting period.</ix:continuation> For a more detailed discussion of the Company&#8217;s stock-based compensation, see Note 14 - Stock-Related Benefits Plans.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Retirement Plans</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:AssetRetirementObligationsPolicy" id="f-651" continuedAt="f-651-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s pension benefit obligations and post-retirement health and welfare benefit obligations, and the related costs, are calculated using actuarial concepts in accordance with GAAP. The measurement of such obligations and expenses requires that certain assumptions be made regarding several factors, most notably including the discount rate and the expected rate of return on plan assets. The Company evaluates these assumptions on an annual basis. Other factors considered by the Company in its evaluation include retirement patterns and mortality rates. </span></div></ix:nonNumeric><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-651-1">Under GAAP, actuarial gains and losses, prior service costs or credits, and any remaining transition assets or obligations that have not been recognized under previous accounting standards must be recognized in AOCL until they are amortized as a component of net periodic benefit cost.</ix:continuation> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Earnings per Common Share (Basic and Diluted) </span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:EarningsPerSharePolicyTextBlock" id="f-652" continuedAt="f-652-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Basic EPS is computed by dividing the net income available to common shareholders by the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the same method as basic EPS, however, the computation reflects the potential dilution that would occur if outstanding in-the-money stock options were exercised and converted into common stock. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unvested stock-based compensation awards containing non-forfeitable rights to dividends paid on the Company&#8217;s common stock are considered participating securities, and therefore are included in the two-class method for calculating EPS. Under the two-class method, all earnings (distributed and undistributed) are allocated to common shares and participating securities based on their respective rights to receive dividends on the common stock. The Company grants restricted stock to certain employees under its stock-based compensation plan. Recipients receive cash dividends during the vesting periods of </span></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">91</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-594-8"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-652-1">these awards, including on the unvested portion of such awards. Since these dividends are non-forfeitable, the unvested awards are considered participating securities and therefore have earnings allocated to them.</ix:continuation> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" id="f-653" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the Company&#8217;s computation of basic and diluted earnings per common share: </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:68.344%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.695%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.695%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.698%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except share and per share amounts)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income available to common stockholders</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" scale="6" id="f-654">112</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" scale="6" id="f-655">617</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic" scale="6" id="f-656">563</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: Dividends paid on and earnings allocated to participating securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic" scale="6" id="f-657">5</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic" scale="6" id="f-658">8</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic" scale="6" id="f-659">7</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) earnings applicable to common stock</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" scale="6" id="f-660">117</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" scale="6" id="f-661">609</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" scale="6" id="f-662">556</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="0" id="f-663">713,643,550</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="0" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="0" id="f-664">483,603,395</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-10" decimals="0" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="0" id="f-665">463,865,661</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) basic earnings per common share</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" sign="-" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-666">0.16</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-667">1.26</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:EarningsPerShareBasic" scale="0" id="f-668">1.20</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) earnings applicable to common stock</span></div></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" scale="6" id="f-669">117</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" scale="6" id="f-670">609</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted" scale="6" id="f-671">556</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="0" id="f-672">713,643,550</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="0" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="0" id="f-673">483,603,395</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-10" decimals="0" name="us-gaap:WeightedAverageNumberOfSharesOutstandingBasic" format="ixt:num-dot-decimal" scale="0" id="f-674">463,865,661</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Potential dilutive common shares</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment" format="ixt:fixed-zero" scale="0" id="f-675">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="0" name="us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment" format="ixt:num-dot-decimal" scale="0" id="f-676">1,530,950</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-10" decimals="0" name="us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment" format="ixt:num-dot-decimal" scale="0" id="f-677">767,058</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total shares for diluted (loss) earnings per common share computation</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-678">713,643,550</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-9" decimals="0" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-679">485,134,345</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-10" decimals="0" name="us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-680">464,632,719</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted (loss) earnings per common share and common share equivalents</span></div></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" sign="-" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-681">0.16</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-9" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-682">1.26</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-10" decimals="2" name="us-gaap:EarningsPerShareDiluted" scale="0" id="f-683">1.20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257835"></div><div style="margin-top:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 3 - <ix:nonNumeric contextRef="c-1" name="us-gaap:BusinessCombinationDisclosureTextBlock" id="f-684" continuedAt="f-684-1" escape="true">Business Combinations</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-684-1" continuedAt="f-684-2"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Signature Bridge Bank</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 20, 2023, the Company&#8217;s wholly owned bank subsidiary, Flagstar Bank N.A. (the &#8220;Bank&#8221;), entered into a Purchase and Assumption Agreement (the &#8220;Agreement&#8221;) with the Federal Deposit Insurance Corporation (&#8220;FDIC&#8221;), as receiver (the "FDIC Receiver") of Signature Bridge Bank, N.A. (&#8220;Signature&#8221;) to acquire certain assets and assume certain liabilities of Signature (the &#8220;Signature Transaction&#8221;). Headquartered in New York, New York, Signature Bank was a full-service commercial bank that operated <ix:nonFraction unitRef="branch" contextRef="c-64" decimals="INF" name="fbc:NumberOfBranches" scale="0" id="f-685">29</ix:nonFraction> branches in New York, <ix:nonFraction unitRef="branch" contextRef="c-65" decimals="INF" name="fbc:NumberOfBranches" format="ixt-sec:numwordsen" scale="0" id="f-686">seven</ix:nonFraction> branches in California, <ix:nonFraction unitRef="branch" contextRef="c-66" decimals="INF" name="fbc:NumberOfBranches" format="ixt-sec:numwordsen" id="f-687">two</ix:nonFraction> branches in North Carolina, <ix:nonFraction unitRef="branch" contextRef="c-67" decimals="INF" name="fbc:NumberOfBranches" format="ixt-sec:numwordsen" scale="0" id="f-688">one</ix:nonFraction> branch in Connecticut, and <ix:nonFraction unitRef="branch" contextRef="c-68" decimals="INF" name="fbc:NumberOfBranches" format="ixt-sec:numwordsen" scale="0" id="f-689">one</ix:nonFraction> branch in Nevada. In connection with the Signature Transaction the Bank assumed all of Signature&#8217;s branches. The Bank acquired only certain parts of Signature it believes to be financially and strategically complementary that are intended to enhance the Company&#8217;s future growth.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Agreement, the Company was not required to make a cash payment to the FDIC on March 20, 2023 as consideration for the acquired assets and assumed liabilities. As the Company and the FDIC remain engaged in ongoing discussions which may impact the assets and liabilities acquired or assumed by the Company in the Signature Transaction. Any items identified that affect the bargain gain are recorded in the period they are identified. The Company may be required to make a payment to the FDIC or the FDIC may be required to make a payment to the Company on the Settlement Date, which will be one year after March 20, 2023, or as agreed upon by the FDIC and the Company. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, as part of the consideration for the Signature Transaction, the Company granted the FDIC equity appreciation rights in the common stock of the Company under an equity appreciation instrument (the "Equity Appreciation Instrument"). On March 31, 2023, the Company issued <ix:nonFraction unitRef="shares" contextRef="c-69" decimals="INF" name="us-gaap:BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" format="ixt:num-dot-decimal" scale="0" id="f-690">39,032,006</ix:nonFraction> shares of Company common stock to the FDIC pursuant to the Equity Appreciation Instrument. On May 19, 2023, the FDIC completed the secondary offering of those shares. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has determined that the Signature Transaction constitutes a business combination as defined by ASC 805, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Business Combinations</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> ("ASC 805"). ASC 805 establishes principles and requirements as to how the acquirer of a business recognizes and measures in its financial statements the identifiable assets acquired, the liabilities assumed and any non-controlling interest in the acquiree.  Accordingly, the assets acquired and liabilities assumed have been recorded based on their preliminary estimated fair values as of March 20, 2023, which have been adjusted through December&#160;31, 2023 based on changes to those preliminary estimates.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the Agreement, the Company is expected to provide certain services to the FDIC to assist the FDIC in its administration of certain assets and liabilities which were not assumed by the Company and which remain under the control of the FDIC (the &#8220;Interim Servicing&#8221;). The Interim Servicing includes activities related to the servicing of loan portfolios not acquired on behalf of the FDIC for a period of up to one year from the date of the Signature Transaction unless such loans are sold or transferred at an earlier time by the FDIC or until cancelled by the FDIC upon 60-days&#8217; notice. The Interim Servicing </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">92</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-684-2" continuedAt="f-684-3"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">may include other ancillary services requested by the FDIC to assist in their administration of the remaining assets and liabilities of Signature Bank. The FDIC will reimburse the Company for costs associated with the Interim Servicing based upon an agreed upon fee which approximates the cost to provide such services. As the FDIC intends to reimburse the Company for the costs to service the loans, neither a servicing asset nor servicing liability was recognized as part of the Signature Transaction. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company did not enter into a loss sharing arrangement with the FDIC in connection with the Signature Transaction.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As the Company finalizes its analysis of the assets acquired and liabilities assumed, there may be adjustments to the recorded carrying values. In many cases, the determination of the fair value of the assets acquired and liabilities assumed required management to make estimates about discount rates, future expected cash flows, market conditions and other future events that are highly subjective in nature and subject to change. While the Company believes that the information available on December&#160;31, 2023, provided a reasonable basis for estimating fair value, the Company may obtain additional information and evidence during the measurement period that may result in changes to the estimated fair value amounts. Fair values subject to change include, but are not limited to, those related to loans and leases, certain deposits, intangibles, deferred tax assets and liabilities and certain other assets and other liabilities. </span></div><div><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" id="f-691" continuedAt="f-691-1" escape="true"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A summary of the preliminary net assets acquired and related estimated fair value adjustments resulting in the bargain purchase gain is as follows:</span></div><div style="text-indent:27pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:88.155%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.645%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">March 20, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(preliminary)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net assets acquired before fair value adjustments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" format="ixt:num-dot-decimal" scale="6" id="f-692">2,973</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Fair value adjustments:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" scale="6" id="f-693">727</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Core deposit and other intangibles</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles" scale="6" id="f-694">464</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Certificates of deposit </span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" scale="6" id="f-695">27</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Other net assets and liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" scale="6" id="f-696">39</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;FDIC Equity Appreciation Instrument</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" scale="6" id="f-697">85</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred tax liability</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" scale="6" id="f-698">690</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain on Signature Transaction, as initially reported</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-72" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:num-dot-decimal" scale="6" id="f-699">2,001</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Measurement period adjustments, excluding taxes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" scale="6" id="f-700">28</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in deferred tax liability</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" scale="6" id="f-701">102</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain on Signature Transaction, as adjusted</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-73" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:num-dot-decimal" scale="6" id="f-702">2,131</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Signature Transaction, the Company recorded a bargain purchase gain, as adjusted, of approximately $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-8" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:num-dot-decimal" scale="9" id="f-703">2.1</ix:nonFraction>&#160;billion during the year ended December 31, 2023, which is included in non-interest income in the Company&#8217;s Consolidated Statement of Income and Comprehensive Income.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The bargain purchase gain represents the excess of the estimated fair value of the assets acquired (including cash payments received from the FDIC) over the estimated fair value of the liabilities assumed and is influenced significantly by the FDIC-assisted transaction process. Under the FDIC-assisted transaction process, only certain assets and liabilities are transferred to the acquirer and, depending on the nature and amount of the acquirers bid, the FDIC may be required to make a cash payment to the Company and the Company may be required to make a cash payment to the FDIC.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The assets acquired and liabilities assumed and consideration paid in the Signature Transaction were initially recorded at their estimated fair values based on management&#8217;s best estimates using information available at the date of the Signature Transaction, and are subject to adjustment for up to one year after the closing date of the Signature Transaction. <ix:continuation id="f-691-1" continuedAt="f-691-2">The Company and the FDIC are engaged in ongoing discussions and settlement payments have been made that have impacted certain assets acquired or certain liabilities assumed by the Company on March 20, 2023 and are included as measurement period adjustments in the table below. </ix:continuation></span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">93</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-indent:31.5pt"><span><br/></span></div><ix:continuation id="f-684-3" continuedAt="f-684-4"><ix:continuation id="f-691-2" continuedAt="f-691-3"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:54.601%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.253%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Preliminary as Initially Reported</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Measurement Period Adjustments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Preliminary as Adjusted</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchase Price consideration</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-72" decimals="-6" name="us-gaap:BusinessCombinationConsiderationTransferred1" scale="6" id="f-704">85</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:BusinessCombinationConsiderationTransferred1" scale="6" id="f-705">85</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of assets acquired:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash &amp; cash equivalents</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-706">25,043</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" scale="6" id="f-707">142</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" format="ixt:num-dot-decimal" scale="6" id="f-708">24,901</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" scale="6" id="f-709">232</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" scale="6" id="f-710">232</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for investment:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-75" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-711">10,102</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-76" decimals="-6" sign="-" name="us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets" scale="6" id="f-712">214</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-77" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-713">9,888</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-78" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-714">1,942</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-79" decimals="-6" sign="-" name="us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets" scale="6" id="f-715">262</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-80" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-716">1,680</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consumer and other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-81" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" scale="6" id="f-717">174</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-82" decimals="-6" sign="-" name="us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets" scale="6" id="f-718">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-83" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" scale="6" id="f-719">173</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans held for investment</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-720">12,218</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets" scale="6" id="f-721">477</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-722">11,741</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CDI and other intangible assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" scale="6" id="f-723">464</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" scale="6" id="f-724">464</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther" scale="6" id="f-725">679</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" scale="6" id="f-726">169</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther" scale="6" id="f-727">510</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets acquired</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" format="ixt:num-dot-decimal" scale="6" id="f-728">38,636</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" scale="6" id="f-729">788</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" format="ixt:num-dot-decimal" scale="6" id="f-730">37,848</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of liabilities assumed:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" format="ixt:num-dot-decimal" scale="6" id="f-731">33,568</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities" scale="6" id="f-732">61</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" format="ixt:num-dot-decimal" scale="6" id="f-733">33,507</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" format="ixt:num-dot-decimal" scale="6" id="f-734">2,982</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" scale="6" id="f-735">857</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-70" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" format="ixt:num-dot-decimal" scale="6" id="f-736">2,125</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities assumed</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-737">36,550</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" scale="6" id="f-738">918</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-84" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-739">35,632</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of net identifiable assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-74" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" format="ixt:num-dot-decimal" scale="6" id="f-740">2,086</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" sign="-" name="us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" scale="6" id="f-741">130</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-84" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" format="ixt:num-dot-decimal" scale="6" id="f-742">2,216</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-72" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:num-dot-decimal" scale="6" id="f-743">2,001</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain" scale="6" id="f-744">130</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-73" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:num-dot-decimal" scale="6" id="f-745">2,131</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the year ended December 31, 2023, the Company recorded preliminary measurement period adjustments to adjust the estimated fair value of loans and leases acquired and adjust other assets and accrued expenses and other liabilities for balances ultimately retained by the FDIC. Additionally, $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC" format="ixt:num-dot-decimal" scale="6" id="f-746">449</ix:nonFraction>&#160;million of loans were returned to the FDIC in accordance with the purchase and sale agreement. The Company also recognized a net change in the deferred tax liability due to the measurement period adjustments and the secondary offering of shares completed by the FDIC.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company incurred $<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:RestructuringCharges" format="ixt:num-dot-decimal" scale="6" id="f-747">223</ix:nonFraction>&#160;million in acquisition costs related to the Signature Transaction primarily for legal, advisory, and other professional services.  These costs are recorded within Merger-related and restructuring expenses on the Consolidated Statements of Income and Comprehensive Income.  </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Fair Value of Assets Acquired and Liabilities Assumed</span></div><div><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:BusinessCombinationsPolicy" id="f-748" continuedAt="f-748-1" escape="true"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, reflecting assumptions that a market participant would use when pricing an asset or liability. In some cases, the estimation of fair values requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and are subject to change. Described below are the methods used to determine the fair values of the significant assets acquired and liabilities assumed in the Signature Transaction.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of cash and cash equivalents approximates their stated face amounts, as these financial instruments are either due on demand or have short-term maturities.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans and leases</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value for loans was based on a discounted cash flow methodology that considered credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions were the key factors driving credit losses which were embedded into the estimated cash flows. These assumptions were informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate was determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The </span></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">94</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-684-4" continuedAt="f-684-5"><ix:continuation id="f-748-1" continuedAt="f-748-2"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">discount rates do not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. Acquired loans were marked to fair value and adjusted for any PCD gross up as of the date of the Signature Transaction.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Deposit Liabilities</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of deposit liabilities with no stated maturity (i.e., non-interest-bearing and interest-bearing checking accounts) is equal to the carrying amounts payable on demand. The fair value of certificates of deposit represents contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Core Deposit Intangible</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Core deposit intangible (&#8220;CDI&#8221;) is a measure of the value of non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts that are acquired in a business combination. The fair value of the CDI was determined using a discounted cashflow methodology which considered discount rate, customer attrition rates, and other relevant market assumptions. This method estimated the fair value by discounting the present value of the expected cost savings attributable to the core deposit funding, relative to an alternative source of funding. The CDI relating to the Signature Transaction will be amortized over an estimated useful life of <ix:nonNumeric contextRef="c-85" name="us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" format="ixt-sec:duryear" id="f-749">10</ix:nonNumeric> years using the sum of years digits depreciation method. The Company evaluates such identifiable intangibles for impairment when an indication of impairment exists. CDI does not significantly impact our liquidity or capital ratios.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">PCD loans</span></div></ix:continuation><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-748-2" continuedAt="f-748-3">Purchased loans that reflect a more than insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the allowance for credit losses (&#8220;ACL&#8221;) on the date of acquisition using the same methodology as other loans and leases held-for-investment</ix:continuation>. <ix:nonNumeric contextRef="c-1" name="fbc:FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" id="f-750" continuedAt="f-750-1" escape="true">The following table provides a summary of loans and leases purchased as part of the Signature Transaction with credit deterioration and the associated credit loss reserve at acquisition: </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-750-1" continuedAt="f-750-2"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:83.783%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.017%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Par value (UPB)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" scale="6" id="f-751">583</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ACL at acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" scale="6" id="f-752">13</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-credit (discount)</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" scale="6" id="f-753">76</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" scale="6" id="f-754">494</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Unaudited Pro Forma Information &#8211; Signature Transaction</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s operating results for the year ended December&#160;31, 2023 include the operating results of the acquired assets and assumed liabilities of Signature subsequent to the acquisition on March 20, 2023. Due to the use of multiple systems and integration of the operating activities into those of the Company, historical reporting for the former Signature operations is impracticable and thus disclosures of the revenue from the assets acquired and income before income taxes is impracticable for the period subsequent to acquisition.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Signature was only in operation from March 12, 2023 to March 20, 2023 and does not have historical financial information on which we could base pro forma information. Additionally, we did not acquire all assets or assume all liabilities of Signature and the historical operations are not consistent with the transaction. Therefore, it is impracticable to provide pro forma information on revenues and earnings for the Signature Transaction in accordance with ASC 805-10-50-2.</span></div></ix:continuation><div style="text-indent:18pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">95</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-684-5" continuedAt="f-684-6"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">Flagstar Bancorp, Inc.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 1, 2022, the Company closed the acquisition of Flagstar Bancorp, Inc. (&#8220;Flagstar&#8221;) in an all-stock transaction (&#8220;Flagstar Transaction&#8221;). Flagstar was a savings and loan holding company headquartered in Troy, MI.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Merger Agreement, each share of Flagstar common stock was converted into <ix:nonFraction unitRef="shares" contextRef="c-86" decimals="4" name="us-gaap:BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" scale="0" id="f-755">4.0151</ix:nonFraction> shares of the Company&#8217;s common shares at the effective time of the merger. In addition, the Company received approval from the Office of the Comptroller of the Currency (the &#8220;OCC") to convert Flagstar Bank, FSB to a national bank to be known as Flagstar Bank, N.A., and to merge New York Community Bank into Flagstar Bank, N.A. with Flagstar Bank, N.A. being the surviving entity. Flagstar Bank, FSB, provided commercial, small business, and consumer banking services through <ix:nonFraction unitRef="loan" contextRef="c-87" decimals="INF" name="fbc:NumberOfBranches" scale="0" id="f-756">158</ix:nonFraction> branches in Michigan, Indiana, California, Wisconsin, and Ohio. It also provided home loans through a wholesale network of brokers and correspondents in all <ix:nonFraction unitRef="states" contextRef="c-88" decimals="INF" name="fbc:NumberOfStatesInWhichOfficesAreLocated" scale="0" id="f-757">50</ix:nonFraction> states. The acquisition of Flagstar added significant scale, geographic diversification, improved funding profile, and a broader product mix to the Company.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The acquisition of Flagstar has been accounted for as a business combination. The Company recorded the preliminary estimate of fair value of the assets acquired and liabilities assumed December 1, 2022, which was subject to adjustment for up to one year after December 1, 2022. As of December&#160;31, 2023, the Company finalized its review of the assets acquired and liabilities assumed, and did not record any material adjustments.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-691-3"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides an allocation of consideration paid for the fair value of assets acquired and liabilities and equity assumed from Flagstar as of December 1, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:88.155%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.645%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 1, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchase Price consideration</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-6" name="us-gaap:BusinessCombinationConsiderationTransferred1" format="ixt:num-dot-decimal" scale="6" id="f-758">2,010</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of assets acquired:</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash &amp; cash equivalents</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" scale="6" id="f-759">331</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" format="ixt:num-dot-decimal" scale="6" id="f-760">2,695</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-761">1,257</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for investment:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-89" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-762">5,438</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-90" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-763">3,891</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-91" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-764">6,523</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consumer and other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-92" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-765">2,156</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans held for investment</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" format="ixt:num-dot-decimal" scale="6" id="f-766">18,008</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CDI and other intangible assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" scale="6" id="f-767">292</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights" format="ixt:num-dot-decimal" scale="6" id="f-768">1,012</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther" format="ixt:num-dot-decimal" scale="6" id="f-769">2,158</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets acquired</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" format="ixt:num-dot-decimal" scale="6" id="f-770">25,753</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of liabilities assumed:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" format="ixt:num-dot-decimal" scale="6" id="f-771">15,995</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowings</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-93" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-772">6,700</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-93" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" scale="6" id="f-773">889</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities assumed</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-93" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-774">23,584</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of net identifiable assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-93" decimals="-6" name="us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" format="ixt:num-dot-decimal" scale="6" id="f-775">2,169</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" scale="6" id="f-776">159</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the acquisition, the Company recorded a bargain purchase gain of approximately $<ix:nonFraction unitRef="usd" contextRef="c-94" decimals="-6" name="us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount" format="ixt:num-dot-decimal" scale="6" id="f-777">159</ix:nonFraction> million.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company incurred $<ix:nonFraction unitRef="usd" contextRef="c-88" decimals="-6" name="us-gaap:BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" format="ixt:num-dot-decimal" scale="6" id="f-778">99</ix:nonFraction>&#160;million in acquisition costs related to the Flagstar Transaction primarily for legal, advisory, and other professional services. These costs are recorded within Merger-related and restructuring expenses on the Consolidated Statements of Income and Comprehensive Income.</span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">96</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-684-6" continuedAt="f-684-7"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Fair Value of Assets Acquired and Liabilities Assumed</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, reflecting assumptions that a market participant would use when pricing an asset or liability. In some cases, the estimation of fair values requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and are subject to change. Described below are the methods used to determine the fair values of the significant assets acquired and liabilities assumed in the Flagstar acquisition.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of cash and cash equivalents approximates their stated face amounts, as these financial instruments are either due on demand or have short-term maturities.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Investment Securities and Federal Home Loan Bank Stock</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Quoted market prices for the securities acquired were used to determine their fair values. If quoted market prices were not available for a specific security, then quoted prices for similar securities in active markets were used to estimate the fair value. The fair value of FHLB-Indianapolis stock is equivalent to the redemption amount.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair values for loans were based on a discounted cash flow methodology that considered credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions were the key factors driving credit losses which were embedded into the estimated cash flows. These assumptions were informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate was determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The discount rates do not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. Acquired loans were marked to fair value and adjusted for any PCD gross up as of the merger date.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Core Deposit Intangible</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">CDI is a measure of the value of non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts that are acquired in a business combination. The fair value of the CDI stemming from any given business combination is based on the present value of the expected cost savings attributable to the core deposit funding, relative to an alternative source of funding. The CDI relating to the Flagstar acquisition will be amortized over an estimated useful life of <ix:nonNumeric contextRef="c-85" name="us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" format="ixt-sec:duryear" id="f-779">10</ix:nonNumeric> years using the sum of years digits depreciation method. The Company evaluates such identifiable intangibles for impairment when an indication of impairment exists.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Deposit Liabilities</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of deposit liabilities with no stated maturity (i.e., non-interest-bearing and interest-bearing checking accounts) is equal to the carrying amounts payable on demand. The fair value of certificates of deposit represents contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrowed Funds</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of borrowed funds is based on bid quotations received from securities dealers or the discounted value of contractual cash flows with interest rates currently in effect for borrowed funds with similar maturities.</span></div></ix:continuation><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">97</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-684-7"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">PCD loans</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Purchased loans that reflect a more than insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the ACL on the date of acquisition using the same methodology as other loans and leases held-for-investment. <ix:continuation id="f-750-2" continuedAt="f-750-3">The following table provides a summary of loans and leases purchased as part of the Flagstar acquisition with credit deterioration and the associated credit loss reserve at acquisition:</ix:continuation></span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-750-3"><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:83.783%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.017%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Par value (UPB)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-6" name="us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" format="ixt:num-dot-decimal" scale="6" id="f-780">1,950</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ACL at acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" scale="6" id="f-781">51</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-credit (discount)</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-6" name="us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" scale="6" id="f-782">33</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-86" decimals="-6" name="us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" format="ixt:num-dot-decimal" scale="6" id="f-783">1,866</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:continuation><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Unaudited Pro Forma Information </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s results of operations for the year-ended December&#160;31, 2022 and 2023 include the results of operations of Flagstar on and after December 1, 2022. Results for periods prior to December 1, 2022, do not include the results of operations of Flagstar.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following pro forma financial information presents the unaudited consolidated results of operations of the Company and Flagstar as if the Flagstar Transaction occurred as of January 1, 2021 with pro forma adjustments. The pro forma adjustments give effect to any change in interest income due to the accretion of the net discounts from the fair value adjustments of acquired loans, any change in interest expense due to the estimated net premium from the fair value adjustments to acquired time deposits and other debt, and the amortization of intangibles had the deposits been acquired as of January 1, 2021. The pro forma amounts for the years ended December&#160;31, 2022 and 2021 do not reflect the anticipated cost savings that have not yet been realized. Acquisition costs incurred by the Company during the years ended December&#160;31, 2022 and 2021 are reflected in the pro forma amounts. The pro forma information does not necessarily reflect the results of operations that would have occurred had the Flagstar Transaction occurred at the beginning of 2021.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:BusinessAcquisitionProFormaInformationTextBlock" id="f-784" escape="true"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:68.086%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.016%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.017%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(unaudited)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-95" decimals="-6" name="fbc:BusinessAcquisitionsProFormaNetIncomeInterest" format="ixt:num-dot-decimal" scale="6" id="f-785">2,278</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-96" decimals="-6" name="fbc:BusinessAcquisitionsProFormaNetIncomeInterest" format="ixt:num-dot-decimal" scale="6" id="f-786">2,208</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-interest income</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-95" decimals="-6" name="fbc:BusinessAcquisitionsProFormaNonInterestIncome" scale="6" id="f-787">650</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-96" decimals="-6" name="fbc:BusinessAcquisitionsProFormaNonInterestIncome" format="ixt:num-dot-decimal" scale="6" id="f-788">1,105</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-95" decimals="-6" name="us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss" scale="6" id="f-789">804</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-96" decimals="-6" name="us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss" format="ixt:num-dot-decimal" scale="6" id="f-790">1,207</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income available to common stockholders</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-95" decimals="-6" name="fbc:BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" scale="6" id="f-791">771</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-96" decimals="-6" name="fbc:BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" format="ixt:num-dot-decimal" scale="6" id="f-792">1,174</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">98</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257843"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 4 - <ix:nonNumeric contextRef="c-1" name="us-gaap:ComprehensiveIncomeNoteTextBlock" id="f-793" continuedAt="f-793-1" escape="true">Accumulated Other Comprehensive Income</ix:nonNumeric></span></div><div><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" id="f-794" continuedAt="f-794-1" escape="true"><ix:continuation id="f-793-1" continuedAt="f-793-2"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the components in accumulated other comprehensive income:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:34.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.783%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.907%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Details about Accumulated Other Comprehensive Loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount Reclassified out of Accumulated Other Comprehensive Loss</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Affected Line Item in the Consolidated Statements of Income and Comprehensive Income</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains on available-for-sale securities:</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-97" decimals="-6" name="us-gaap:DebtAndEquitySecuritiesGainLoss" format="ixt:fixed-zero" scale="6" id="f-795">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on securities</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-97" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" format="ixt:fixed-zero" scale="6" id="f-796">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-97" decimals="-6" name="us-gaap:NetIncomeLoss" format="ixt:fixed-zero" scale="6" id="f-797">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on securities, net of tax</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains on cash flow hedges:</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-98" decimals="-6" name="us-gaap:InterestExpense" scale="6" id="f-798">65</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-98" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-799">17</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-98" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-800">48</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on cash flow hedges, net of tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of defined benefit pension plan items:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Past service liability</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-99" decimals="-6" name="us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost" format="ixt:fixed-zero" scale="6" id="f-801">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Included in the computation of net periodic credit</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-100" decimals="-6" name="us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost" scale="6" id="f-802">7</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Included in the computation of net periodic cost</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-101" decimals="-6" name="us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost" scale="6" id="f-803">7</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total before tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-101" decimals="-6" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-804">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-101" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-805">6</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of defined benefit pension plan items, net of tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total reclassifications for the period</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-102" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-806">42</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Amounts in parentheses indicate expense items. </span></div></ix:continuation></ix:nonNumeric><div style="padding-left:36pt;text-indent:-18pt"><ix:continuation id="f-794-1" continuedAt="f-794-2"><ix:continuation id="f-793-2" continuedAt="f-793-3"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></ix:continuation></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"><ix:continuation id="f-794-2"><ix:continuation id="f-793-3">See Note 20 - Employee Benefits  for additional information.</ix:continuation></ix:continuation> </span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">99</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257855"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 5 - <ix:nonNumeric contextRef="c-1" name="us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" id="f-807" continuedAt="f-807-1" escape="true">Investment Securities</ix:nonNumeric></span></div><div style="text-indent:36pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:TradingSecuritiesAndCertainTradingAssetsTextBlock" id="f-808" continuedAt="f-808-1" escape="true"><ix:continuation id="f-807-1" continuedAt="f-807-2"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the Company&#8217;s portfolio of debt securities available for sale and equity investments with readily determinable fair values: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:56.502%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.987%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.987%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.987%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.285%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Gain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt securities available-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-Related Debt Securities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-103" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-809">1,366</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-103" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-810">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-103" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-811">146</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-103" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-812">1,221</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-104" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-813">5,495</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-104" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-814">48</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-104" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-815">381</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-104" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-816">5,162</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-105" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-817">174</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-105" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-818">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-105" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-819">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-105" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-820">180</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-821">7,035</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-822">56</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-823">528</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-824">6,563</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-107" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-825">198</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-107" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-826">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-107" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-827">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-107" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-828">198</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-108" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-829">1,899</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-108" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-830">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-108" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-831">291</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-108" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-832">1,609</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-109" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-833">307</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-109" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-834">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-109" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-835">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-109" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-836">302</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-110" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-837">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-110" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-838">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-110" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-839">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-110" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-840">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-111" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-841">365</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-111" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-842">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-111" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-843">22</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-111" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-844">343</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-112" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-845">35</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-112" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-846">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-112" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-847">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-112" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-848">34</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-113" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-849">97</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-113" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-850">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-113" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-851">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-113" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-852">90</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-114" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-853">2,907</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-114" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-854">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-114" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-855">331</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-114" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-856">2,582</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-115" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-857">9,942</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-115" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-858">62</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-115" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-859">859</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-115" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-860">9,145</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-116" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCost" scale="6" id="f-861">16</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-116" decimals="-6" name="fbc:EquitySecuritiesUnrealizedLoss" scale="6" id="f-862">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-116" decimals="-6" name="us-gaap:EquitySecuritiesFvNi" scale="6" id="f-863">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCost" scale="6" id="f-864">16</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-6" name="fbc:EquitySecuritiesUnrealizedLoss" scale="6" id="f-865">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-6" name="us-gaap:EquitySecuritiesFvNi" scale="6" id="f-866">14</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" format="ixt:num-dot-decimal" scale="6" id="f-867">9,958</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:MarketableSecuritiesGrossUnrealizedGain" scale="6" id="f-868">62</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:MarketableSecuritiesGrossUnrealizedLoss" scale="6" id="f-869">861</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" format="ixt:num-dot-decimal" scale="6" id="f-870">9,159</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes accrued interest receivable of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-871">38</ix:nonFraction>&#160;million included in <span style="-sec-ix-hidden:f-872">other assets</span> in the Consolidated Statements of Condition.</span></div></ix:continuation></ix:nonNumeric><div><span><br/></span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">100</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-807-2" continuedAt="f-807-3"><ix:continuation id="f-808-1" continuedAt="f-808-2"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:57.525%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.695%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.572%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.695%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.261%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Gain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt securities available-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-Related Debt Securities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-118" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-873">1,457</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-118" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-874">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-118" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-875">160</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-118" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-876">1,297</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-119" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-877">3,600</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-119" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-878">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-119" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-879">300</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-119" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-880">3,301</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-120" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-881">185</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-120" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-882">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-120" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-883">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-120" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-884">191</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-121" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-885">5,242</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-121" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-886">7</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-121" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-887">460</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-121" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-888">4,789</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-889">1,491</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-890">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-891">4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-122" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-892">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-893">1,749</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-894">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-895">351</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-123" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-896">1,398</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-124" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-897">375</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-124" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-898">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-124" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-899">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-124" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-900">361</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-125" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-901">30</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-125" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-902">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-125" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-903">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-125" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-904">30</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-126" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-905">913</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-126" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-906">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-126" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-907">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-126" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-908">885</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign Notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-127" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-909">20</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-127" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" format="ixt:fixed-zero" scale="6" id="f-910">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-127" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-911">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-127" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-912">20</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-128" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-913">97</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-128" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-914">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-128" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-915">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-128" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-916">90</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-129" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-917">4,675</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-129" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-918">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-129" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-919">411</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-129" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-920">4,271</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-130" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-921">9,917</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-130" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" scale="6" id="f-922">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-130" decimals="-6" name="us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" scale="6" id="f-923">871</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-130" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-924">9,060</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-131" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCost" scale="6" id="f-925">16</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-131" decimals="-6" name="fbc:MarketableSecuritiesGrossUnrealizedLoss" scale="6" id="f-926">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-131" decimals="-6" name="us-gaap:EquitySecuritiesFvNi" scale="6" id="f-927">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-132" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCost" scale="6" id="f-928">16</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-132" decimals="-6" name="fbc:MarketableSecuritiesGrossUnrealizedLoss" scale="6" id="f-929">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-132" decimals="-6" name="us-gaap:EquitySecuritiesFvNi" scale="6" id="f-930">14</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" format="ixt:num-dot-decimal" scale="6" id="f-931">9,933</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:MarketableSecuritiesGrossUnrealizedGain" scale="6" id="f-932">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:MarketableSecuritiesGrossUnrealizedLoss" scale="6" id="f-933">873</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" format="ixt:num-dot-decimal" scale="6" id="f-934">9,074</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. </span></div></ix:continuation><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><ix:continuation id="f-808-2" continuedAt="f-808-3"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"><ix:continuation id="f-808-3">Excludes accrued interest receivable of $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-935">31</ix:nonFraction>&#160;million included in other assets in the Consolidated Statements of Condition.</ix:continuation> </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the Company </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">had $<ix:nonFraction unitRef="usd" contextRef="c-133" decimals="-6" name="us-gaap:FederalHomeLoanBankStock" format="ixt:num-dot-decimal" scale="6" id="f-936">861</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-134" decimals="-6" name="us-gaap:FederalHomeLoanBankStock" format="ixt:num-dot-decimal" scale="6" id="f-937">329</ix:nonFraction>&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> of FHLB-NY stock, at cost and FHLB-Indianapolis stock, at cost, respectively. At December&#160;31, 2022, the Company had $<ix:nonFraction unitRef="usd" contextRef="c-135" decimals="-6" name="us-gaap:FederalHomeLoanBankStock" format="ixt:num-dot-decimal" scale="6" id="f-938">762</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-136" decimals="-6" name="us-gaap:FederalHomeLoanBankStock" format="ixt:num-dot-decimal" scale="6" id="f-939">329</ix:nonFraction>&#160;million of FHLB-NY stock, at cost and FHLB-Indianapolis stock, at cost, respectively. The Company maintains an investment in FHLB-NY stock partly in conjunction with its membership in the FHLB and partly related to its access to the FHLB funding it utilizes.  In addition, at December&#160;31, 2023 and December&#160;31, 2022, the Company had $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalReserveBankStock" format="ixt:num-dot-decimal" scale="6" id="f-940">203</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FederalReserveBankStock" format="ixt:num-dot-decimal" scale="6" id="f-941">176</ix:nonFraction>&#160;million of Federal Reserve Bank stock, respectively.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfRealizedGainLossTableTextBlock" id="f-942" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the gross proceeds, gross realized gains, and gross realized losses from the sale of available-for-sale securities during the years-ended:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"><tr><td style="width:1.0%"/><td style="width:62.955%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.264%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.959%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.194%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">( in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross proceeds</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:num-dot-decimal" scale="6" id="f-943">1,637</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" scale="6" id="f-944">228</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" format="ixt:fixed-zero" scale="0" id="f-945">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross realized gains</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" scale="6" id="f-946">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" format="ixt:fixed-zero" scale="6" id="f-947">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedGain" format="ixt:fixed-zero" scale="0" id="f-948">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross realized losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss" scale="6" id="f-949">3</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss" format="ixt:fixed-zero" scale="6" id="f-950">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss" format="ixt:fixed-zero" scale="0" id="f-951">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were <ix:nonFraction unitRef="usd" contextRef="c-137" decimals="INF" name="us-gaap:EquitySecuritiesFvNiUnrealizedLoss" format="ixt:fixed-zero" scale="0" id="f-952">no</ix:nonFraction> unrealized losses on equity securities recognized in earnings for the years ended December 31, 2023. For the years ended December&#160;31, 2022 and 2021 there were unrealized losses on equity securities of $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:EquitySecuritiesFvNiUnrealizedLoss" format="ixt:num-dot-decimal" scale="6" id="f-953">2</ix:nonFraction>&#160;million and <ix:nonFraction unitRef="usd" contextRef="c-10" decimals="INF" name="us-gaap:EquitySecuritiesFvNiUnrealizedLoss" format="ixt:fixed-zero" scale="6" id="f-954">zero</ix:nonFraction> recognized in earnings, respectively.</span></div></ix:continuation><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">101</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-807-3" continuedAt="f-807-4"><ix:nonNumeric contextRef="c-1" name="us-gaap:HeldToMaturitySecuritiesTextBlock" id="f-955" continuedAt="f-955-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes, by contractual maturity, the amortized cost of securities at December&#160;31, 2023:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"/><td style="width:31.550%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.809%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.516%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.784%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.930%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.471%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage- Related Securities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Government and GSE Obligations</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State, County, and Municipal</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">( in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Available-for-Sale Debt Securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due within one year</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" format="ixt:fixed-zero" scale="6" id="f-956">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-138" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" scale="6" id="f-957">448</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-139" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" format="ixt:fixed-zero" scale="6" id="f-958">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-140" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" format="ixt:fixed-zero" scale="6" id="f-959">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" scale="6" id="f-960">446</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due from one to five years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" scale="6" id="f-961">178</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-138" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" scale="6" id="f-962">50</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-139" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" format="ixt:fixed-zero" scale="6" id="f-963">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-140" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" scale="6" id="f-964">353</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" scale="6" id="f-965">560</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due from five to ten years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" scale="6" id="f-966">316</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-138" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-967">1,502</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-139" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" scale="6" id="f-968">6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-140" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" scale="6" id="f-969">105</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-970">1,597</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after ten years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-971">6,541</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-138" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" scale="6" id="f-972">96</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-139" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" format="ixt:fixed-zero" scale="6" id="f-973">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-140" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" scale="6" id="f-974">345</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" format="ixt:num-dot-decimal" scale="6" id="f-975">6,542</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-106" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-976">7,035</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-138" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-977">2,096</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-139" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-978">6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-140" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" scale="6" id="f-979">803</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-980">9,145</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><ix:continuation id="f-955-1" continuedAt="f-955-2"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:8.68pt"><ix:continuation id="f-955-2">Includes corporate bonds, capital trust notes, foreign notes, and asset-backed securities.</ix:continuation> </span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock" id="f-981" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of December&#160;31, 2023: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:30.186%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.426%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.426%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.157%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.287%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less than Twelve Months</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Twelve Months or Longer</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Temporarily Impaired Securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-141" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="0" id="f-982">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-141" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="0" id="f-983">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-141" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="0" id="f-984">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-141" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="0" id="f-985">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-141" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:fixed-zero" scale="0" id="f-986">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-141" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:fixed-zero" scale="0" id="f-987">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Government agency and GSE obligations</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-142" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-988">181</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-142" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-989">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-142" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="6" id="f-990">1,362</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-142" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-991">290</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-142" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="6" id="f-992">1,543</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-142" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-993">291</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-143" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-994">312</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-143" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-995">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-143" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-996">843</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-143" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-997">141</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-143" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="6" id="f-998">1,155</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-143" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-999">146</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-144" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-1000">29</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-144" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1001">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-144" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="6" id="f-1002">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-144" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1003">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-144" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1004">29</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-144" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1005">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-145" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="6" id="f-1006">1,835</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-145" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1007">77</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-145" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="6" id="f-1008">1,312</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-145" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1009">304</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-145" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="6" id="f-1010">3,147</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-145" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1011">381</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-146" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="6" id="f-1012">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-146" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1013">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-146" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1014">228</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-146" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1015">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-146" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1016">228</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-146" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1017">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="6" id="f-1018">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1019">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1020">6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1021">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1022">6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-147" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1023">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="6" id="f-1024">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1025">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1026">343</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1027">22</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1028">343</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-148" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1029">22</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="6" id="f-1030">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1031">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1032">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1033">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1034">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-149" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1035">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="6" id="f-1036">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1037">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1038">81</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1039">12</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1040">81</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-150" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1041">12</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:fixed-zero" scale="6" id="f-1042">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1043">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1044">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1045">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1046">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-117" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1047">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total temporarily impaired securities</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="6" id="f-1048">2,357</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1049">84</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="6" id="f-1050">4,198</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1051">777</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="6" id="f-1052">6,555</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1053">861</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of  December&#160;31, 2022: </span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.671%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.987%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.987%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.841%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.996%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less than Twelve Months</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Twelve Months or Longer</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Temporarily Impaired Securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="6" id="f-1054">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1055">4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="6" id="f-1056">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1057">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="6" id="f-1058">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-151" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1059">4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Government agency and GSE obligations</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-1060">243</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1061">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="6" id="f-1062">1,156</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1063">346</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="6" id="f-1064">1,399</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-152" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1065">351</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-1066">871</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1067">46</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1068">420</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1069">114</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="6" id="f-1070">1,291</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-153" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1071">160</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="6" id="f-1072">2,219</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1073">36</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1074">925</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1075">264</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="6" id="f-1076">3,144</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-154" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1077">300</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-1078">61</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1079">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1080">262</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1081">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1082">323</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-155" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1083">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-1084">9</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1085">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1086">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1087">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1088">16</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-156" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1089">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-157" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-1090">698</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-157" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1091">27</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-157" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1092">97</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-157" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1093">3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-157" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1094">795</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-157" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1095">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-158" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-1096">20</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-158" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1097">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-158" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:fixed-zero" scale="6" id="f-1098">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-158" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1099">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-158" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1100">20</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-158" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1101">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-159" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-1102">46</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-159" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1103">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-159" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1104">34</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-159" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1105">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-159" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1106">80</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-159" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1107">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-132" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" scale="6" id="f-1108">4</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-132" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" format="ixt:fixed-zero" scale="6" id="f-1109">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-132" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" scale="6" id="f-1110">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-132" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1111">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-132" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" scale="6" id="f-1112">14</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-132" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1113">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total temporarily impaired securities</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" format="ixt:num-dot-decimal" scale="6" id="f-1114">5,658</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" scale="6" id="f-1115">122</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" format="ixt:num-dot-decimal" scale="6" id="f-1116">2,911</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" scale="6" id="f-1117">751</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition" format="ixt:num-dot-decimal" scale="6" id="f-1118">8,569</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" scale="6" id="f-1119">873</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">102</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-807-4"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The investment securities designated as having a continuous loss position for twelve months or more at December&#160;31, 2023 consisted of <ix:nonFraction unitRef="loan" contextRef="c-160" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" scale="0" id="f-1120">eighty-four</ix:nonFraction> agency collateralized mortgage obligations, <ix:nonFraction unitRef="loan" contextRef="c-161" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" scale="0" id="f-1121">six</ix:nonFraction> capital trusts note, <ix:nonFraction unitRef="loan" contextRef="c-162" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" scale="0" id="f-1122">eight</ix:nonFraction> asset-backed securities,  <ix:nonFraction unitRef="loan" contextRef="c-163" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" scale="0" id="f-1123">twelve</ix:nonFraction> corporate bonds, <ix:nonFraction unitRef="loan" contextRef="c-164" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" scale="0" id="f-1124">thirty-seven</ix:nonFraction> US government agency bonds, <ix:nonFraction unitRef="loan" contextRef="c-165" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" scale="0" id="f-1125">three hundred two</ix:nonFraction> mortgage-backed securities, <ix:nonFraction unitRef="loan" contextRef="c-166" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" scale="0" id="f-1126">one</ix:nonFraction> mutual fund, <ix:nonFraction unitRef="loan" contextRef="c-167" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" scale="0" id="f-1127">one</ix:nonFraction> foreign debt, and <ix:nonFraction unitRef="loan" contextRef="c-168" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" scale="0" id="f-1128">one</ix:nonFraction> municipal bond . The investment securities designated as having a continuous loss position for twelve months or more at December&#160;31, 2022 consisted of <ix:nonFraction unitRef="loan" contextRef="c-169" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" id="f-1129">twenty three</ix:nonFraction> agency collateralized mortgage obligations, <ix:nonFraction unitRef="security" contextRef="c-170" decimals="INF" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" format="ixt-sec:numwordsen" scale="0" id="f-1130">five</ix:nonFraction> capital trusts notes, <ix:nonFraction unitRef="security" contextRef="c-171" decimals="INF" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" format="ixt-sec:numwordsen" scale="0" id="f-1131">seven</ix:nonFraction> asset-backed securities, <ix:nonFraction unitRef="security" contextRef="c-172" decimals="INF" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" format="ixt-sec:numwordsen" scale="0" id="f-1132">two</ix:nonFraction> corporate bonds, <ix:nonFraction unitRef="loan" contextRef="c-173" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" id="f-1133">thirty three</ix:nonFraction> US government agency bonds, <ix:nonFraction unitRef="loan" contextRef="c-174" decimals="INF" name="fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" format="ixt-sec:numwordsen" id="f-1134">one hundred thirty three</ix:nonFraction> mortgage-backed securities, <ix:nonFraction unitRef="security" contextRef="c-175" decimals="INF" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" format="ixt-sec:numwordsen" scale="0" id="f-1135">one</ix:nonFraction> mutual fund, and <ix:nonFraction unitRef="security" contextRef="c-176" decimals="INF" name="us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" format="ixt-sec:numwordsen" scale="0" id="f-1136">one</ix:nonFraction> municipal bond.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates available-for-sale debt securities in unrealized loss positions at least quarterly to determine if an allowance for credit losses is required. We also assess whether (i) we intend to sell, or (ii) it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either of these criteria is met, any previously recognized allowances are charged off and the security&#8217;s amortized cost basis is written down to fair value through income. If neither of the aforementioned criteria are met, we evaluate whether the decline in fair value has resulted from credit losses or other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the first quarter of 2023, the Company held a $<ix:nonFraction unitRef="usd" contextRef="c-177" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-1137">20</ix:nonFraction>&#160;million corporate bond in Signature Bank which was placed into receivership on March 12, 2023. We have taken a $<ix:nonFraction unitRef="usd" contextRef="c-178" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" format="ixt:num-dot-decimal" scale="6" id="f-1138">20</ix:nonFraction>&#160;million provision for credit loss and charged-off this security during the three months ended March 31, 2023. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">None of the remaining unrealized losses identified as of December&#160;31, 2023 or December&#160;31, 2022 relates to the marketability of the securities or the issuers&#8217; ability to honor redemption obligations. Rather, the unrealized losses relate to changes in interest rates relative to when the investment securities were purchased, and do not indicate credit-related impairment. Management based this conclusion on an analysis of each issuer including a detailed credit assessment of each issuer. The Company does not intend to sell, and it is not more likely than not that the Company will be required to sell the positions before the recovery of their amortized cost basis, which may be at maturity. As such, no allowance for credit losses remains with respect to debt securities as of December&#160;31, 2023.</span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">103</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257867"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="margin-top:12pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 6 - <ix:nonNumeric contextRef="c-1" name="us-gaap:FinancingReceivablesTextBlock" id="f-1139" continuedAt="f-1139-1" escape="true">Loans and Leases</ix:nonNumeric></span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-1139-1" continuedAt="f-1139-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company classifies loans that we have the intent and ability to hold for the foreseeable future or until maturity as LHFI. <ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" id="f-1140" continuedAt="f-1140-1" escape="true">We report LHFI loans at their amortized cost, which includes the outstanding principal balance adjusted for any unamortized premiums, discounts, deferred fees and unamortized fair value adjustments for acquired loans:</ix:nonNumeric></span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-1140-1" continuedAt="f-1140-2"><div style="padding-left:5.4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:45.388%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.242%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.102%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.361%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.102%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.105%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of<br/>Loans<br/>Held for<br/>Investment</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of<br/>Loans<br/>Held for<br/>Investment</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and Leases Held for Investment:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-179" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1141">37,265</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-179" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1142">44.0</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-180" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1143">38,130</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-180" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1144">55.3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1145">10,470</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-181" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1146">12.4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-182" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1147">8,526</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-182" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1148">12.4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1149">6,061</ix:nonFraction></span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-183" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1150">7.2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-184" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1151">5,821</ix:nonFraction></span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-184" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1152">8.4</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-185" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1153">2,912</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-185" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1154">3.4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-186" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1155">1,996</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-186" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1156">2.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage loans held for investment </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1157">56,708</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-187" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1158">67.0</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-188" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1159">54,473</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-188" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1160">78.9</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-189" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1161">22,065</ix:nonFraction></span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-189" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1162">26.1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-190" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1163">10,597</ix:nonFraction></span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-190" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1164">15.4</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Lease financing, net of unearned income of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount" scale="6" id="f-1165">258</ix:nonFraction> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount" scale="6" id="f-1166">85</ix:nonFraction>, respectively</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-191" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1167">3,189</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-191" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1168">3.8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-192" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1169">1,679</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-192" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1170">2.4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total commercial and industrial loans </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-193" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1171">25,254</ix:nonFraction></span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-193" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1172">29.9</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-194" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1173">12,276</ix:nonFraction></span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-194" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1174">17.8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-195" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1175">2,657</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-195" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1176">3.1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-196" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1177">2,252</ix:nonFraction></span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-196" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1178">3.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans held for investment</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-197" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1179">27,911</ix:nonFraction></span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-197" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1180">33.0</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-198" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1181">14,528</ix:nonFraction></span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-198" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1182">21.1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases held for investment </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1183">84,619</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1184">100.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1185">69,001</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="3" name="srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" scale="-2" id="f-1186">100.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses on loans and leases</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1187">992</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1188">393</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases held for investment, net</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1189">83,627</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1190">68,608</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LoansReceivableHeldForSaleAmount" format="ixt:num-dot-decimal" scale="6" id="f-1191">1,182</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:LoansReceivableHeldForSaleAmount" format="ixt:num-dot-decimal" scale="6" id="f-1192">1,115</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases, net</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-1193">84,809</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-1194">69,723</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes accrued interest receivable of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1195">423</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1196">292</ix:nonFraction>&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively, which is included in <span style="-sec-ix-hidden:f-1197"><span style="-sec-ix-hidden:f-1198">other assets</span></span> in the Consolidated Statements of Condition. </span></div></ix:continuation><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><ix:continuation id="f-1140-2"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes specialty finance loans and leases of $<ix:nonFraction unitRef="usd" contextRef="c-199" decimals="-8" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="9" id="f-1199">5.2</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-200" decimals="-8" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="9" id="f-1200">4.4</ix:nonFraction>&#160;billion at December&#160;31, 2023 and December&#160;31, 2022, respectively.</span></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans with Government Guarantees</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Substantially all LGG are insured or guaranteed by the FHA or the U.S. Department of Veterans Affairs. Nonperforming repurchased loans in this portfolio earn interest at a rate based upon the 10-year U.S. Treasury note rate from the time the underlying loan becomes 60 days delinquent until the loan is conveyed to HUD (if foreclosure timelines are met), which is not paid by the FHA until claimed. The Bank has a unilateral option to repurchase loans sold to GNMA if the loan is due, but unpaid, for three consecutive months (typically referred to as 90 days past due) and can recover losses through a claims process from the guarantor. These loans are recorded in loans held for investment and the liability to repurchase the loans is recorded in other liabilities on the Consolidated Statements of Condition. Certain loans within our portfolio may be subject to indemnifications and insurance limits which expose us to limited credit risk. As of December&#160;31, 2023, LGG loans totaled $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:FinancingReceivableWithGovernmentGuaranty" format="ixt:num-dot-decimal" scale="6" id="f-1201">541</ix:nonFraction>&#160;million and the repurchase liability was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:FinancingReceivableWithGovernmentGuarantyRepurchaseLiability" format="ixt:num-dot-decimal" scale="6" id="f-1202">456</ix:nonFraction>&#160;million. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Repossessed assets and the associated net claims related to government guaranteed loans are recorded in other assets and was </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:ForeclosedAssets" format="ixt:num-dot-decimal" scale="6" id="f-1203">14</ix:nonFraction>&#160;million </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">at December&#160;31, 2023.</span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held-for-Sale</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held-for-sale at December&#160;31, 2023 totaled $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="us-gaap:LoansReceivableHeldForSaleAmount" format="ixt:num-dot-decimal" scale="9" id="f-1204">1.2</ix:nonFraction> billion, up from $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-8" name="us-gaap:LoansReceivableHeldForSaleAmount" format="ixt:num-dot-decimal" scale="9" id="f-1205">1.1</ix:nonFraction>&#160;billion at December&#160;31, 2022.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> The </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Signature Transaction contributed $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FinancingReceivableReclassificationToHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-1206">360</ix:nonFraction>&#160;million in Small Business Administration ("SBA") loans to this increase. We classify loans as held for sale when we originate or purchase loans that we intend to sell. We have elected the fair value option for nearly all of this portfolio, except the SBA loans. We estimate the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral.</span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">104</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1139-2" continuedAt="f-1139-3"><div style="margin-top:12pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Asset Quality</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All asset quality information excludes LGG that are insured by U.S government agencies.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan generally is classified as a non-accrual loan when it is 90 days or more past due or when it is deemed to be impaired because the Company no longer expects to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, management ceases the accrual of interest owed, and previously accrued interest is charged against interest income. A loan is generally returned to accrual status when the loan is current and management has reasonable assurance that the loan will be fully collectible. Interest income on non-accrual loans is recorded when received in cash. At December&#160;31, 2023 and December&#160;31, 2022 we had <ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" format="ixt:fixed-zero" scale="6" id="f-1207"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" format="ixt:fixed-zero" scale="6" id="f-1208">no</ix:nonFraction></ix:nonFraction> loans that were nonperforming and still accruing.</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:PastDueFinancingReceivablesTableTextBlock" id="f-1209" continuedAt="f-1209-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information regarding the quality of the Company&#8217;s loans held for investment at December&#160;31, 2023: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:36.765%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.595%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.180%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.765%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.818%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.941%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans 30-89 Days Past Due</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non- Accrual Loans</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Past Due Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current Loans </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Loans Receivable</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-201" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1210">121</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-179" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1211">138</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-202" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1212">259</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-203" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1213">37,006</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-179" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1214">37,265</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-204" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1215">28</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1216">128</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-205" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1217">156</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-206" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1218">10,314</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1219">10,470</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-207" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1220">40</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1221">95</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-208" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1222">135</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-209" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1223">5,926</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1224">6,061</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-210" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1225">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-185" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1226">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-211" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1227">4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-212" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1228">2,908</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-185" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1229">2,912</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-213" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1230">37</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-193" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1231">43</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-214" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1232">80</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-215" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1233">25,174</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-193" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1234">25,254</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-216" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1235">22</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-195" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1236">22</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-217" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1237">44</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-218" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1238">2,613</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-195" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1239">2,657</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-219" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1240">250</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1241">428</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-220" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1242">678</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-221" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1243">83,941</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1244">84,619</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes lease financing receivables.</span></div><div style="padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes $<ix:nonFraction unitRef="usd" contextRef="c-222" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1245">207</ix:nonFraction>&#160;million multi-family loans from one borrower that had a payment in the process of collection as of December&#160;31, 2023 and subsequently settled on January 2, 2024</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information regarding the quality of the Company&#8217;s loans held for investment at December&#160;31, 2022: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:35.449%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.180%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.765%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.280%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.941%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans 30-89 Days Past Due</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non- Accrual Loans</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Past Due Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Loans Receivable</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-223" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1246">34</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-180" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1247">13</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-224" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1248">47</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-225" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1249">38,083</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-180" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1250">38,130</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-226" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1251">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-182" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1252">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-227" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1253">22</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-228" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1254">8,504</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-182" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1255">8,526</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-229" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1256">21</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-184" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1257">92</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-230" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1258">113</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-231" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1259">5,708</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-184" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1260">5,821</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-232" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1261">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-186" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" format="ixt:fixed-zero" scale="6" id="f-1262">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-233" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1263">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-234" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1264">1,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-186" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1265">1,996</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-235" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1266">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-194" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1267">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-236" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1268">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-237" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1269">12,271</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-194" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1270">12,276</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-238" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1271">11</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-196" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1272">13</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-239" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1273">24</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-240" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1274">2,228</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-196" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1275">2,252</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-241" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1276">70</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual" scale="6" id="f-1277">141</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-242" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1278">211</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-243" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1279">68,790</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1280">69,001</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><ix:continuation id="f-1209-1" continuedAt="f-1209-2"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"><ix:continuation id="f-1209-2">Includes lease financing receivables, all of which were current.</ix:continuation> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock" id="f-1281" continuedAt="f-1281-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2023: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:15.112%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.229%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.229%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.239%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi- Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial Real Estate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to- Four Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, Development, and Construction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Other Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit Quality Indicator:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-244" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1282">34,170</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-245" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1283">8,734</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-246" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1284">5,328</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-247" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1285">2,825</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1286">51,057</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-249" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1287">24,683</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-250" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1288">2,634</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1289">27,317</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special mention</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-252" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1290">768</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-253" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1291">367</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-254" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1292">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-255" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1293">57</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1294">1,192</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-257" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1295">335</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-258" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1296">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1297">335</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-260" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1298">2,327</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-261" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1299">1,369</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-262" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1300">733</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-263" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1301">30</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1302">4,459</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-265" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1303">236</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-266" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1304">23</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1305">259</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Doubtful</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-268" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1306">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-269" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1307">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-270" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1308">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-271" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1309">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1310">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-273" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1311">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-274" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1312">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1313">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-179" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1314">37,265</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1315">10,470</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1316">6,061</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-185" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1317">2,912</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1318">56,708</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-193" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1319">25,254</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-195" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1320">2,657</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1321">27,911</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">105</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1139-3" continuedAt="f-1139-4"><ix:continuation id="f-1281-1" continuedAt="f-1281-2"><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2022: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:15.112%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.656%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.229%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.229%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.373%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.239%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi- Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial Real Estate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to- Four Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, Development, and Construction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Other Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit Quality Indicator:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-277" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1322">36,622</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-278" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1323">7,871</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-279" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1324">5,710</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-280" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1325">1,992</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-281" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1326">52,195</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-282" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1327">12,208</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-283" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1328">2,238</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-284" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1329">14,446</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special mention</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-285" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1330">864</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-286" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1331">230</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-287" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1332">8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-288" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1333">4</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-289" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1334">1,106</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-290" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1335">18</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-291" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1336">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-292" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1337">18</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-293" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1338">644</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-294" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1339">425</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-295" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1340">103</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-296" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1341">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-297" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1342">1,172</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-298" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1343">50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-299" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1344">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-300" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1345">64</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-180" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1346">38,130</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-182" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1347">8,526</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-184" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1348">5,821</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-186" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1349">1,996</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-188" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1350">54,473</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-194" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1351">12,276</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-196" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1352">2,252</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1353">14,528</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preceding classifications are the most current ones available and generally have been updated within the last twelve months. In addition, they follow regulatory guidelines and can generally be described as follows: pass loans are of satisfactory quality; special mention loans have potential weaknesses that deserve management&#8217;s close attention; substandard loans are inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged (these loans have a well-defined weakness and there is a possibility that the Company will sustain some loss); and doubtful loans, based on existing circumstances, have weaknesses that make collection or liquidation in full highly questionable and improbable. In addition, one-to-four family loans are classified based on the duration of the delinquency.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><ix:continuation id="f-1281-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents, by credit quality indicator, loan class, and year of origination, the amortized cost basis of the Company&#8217;s loans and leases as of December&#160;31, 2023: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:21.261%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.094%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.094%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.094%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.271%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="51" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Vintage Year</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior To 2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Revolving Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Revolving Loans Converted to Term Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1354">2,532</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1355">13,295</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1356">10,308</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1357">8,438</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1358">4,725</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1359">9,670</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" format="ixt:num-dot-decimal" scale="6" id="f-1360">1,981</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" scale="6" id="f-1361">108</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-248" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1362">51,057</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special Mention</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1363">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" scale="6" id="f-1364">217</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" scale="6" id="f-1365">69</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" scale="6" id="f-1366">407</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" scale="6" id="f-1367">144</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" scale="6" id="f-1368">341</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" scale="6" id="f-1369">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" format="ixt:fixed-zero" scale="6" id="f-1370">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-256" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1371">1,192</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" scale="6" id="f-1372">45</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" scale="6" id="f-1373">98</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" scale="6" id="f-1374">258</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" scale="6" id="f-1375">336</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" scale="6" id="f-1376">809</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1377">2,910</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" format="ixt:fixed-zero" scale="6" id="f-1378">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" scale="6" id="f-1379">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-264" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1380">4,459</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Doubtful</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1381">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1382">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1383">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1384">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1385">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1386">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" format="ixt:fixed-zero" scale="6" id="f-1387">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" format="ixt:fixed-zero" scale="6" id="f-1388">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-272" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1389">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1390">2,577</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1391">13,610</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1392">10,635</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1393">9,181</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1394">5,678</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1395">12,921</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" format="ixt:num-dot-decimal" scale="6" id="f-1396">1,995</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" scale="6" id="f-1397">111</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1398">56,708</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current-period gross write-offs</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" format="ixt:fixed-zero" scale="6" id="f-1399">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" scale="6" id="f-1400">112</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" format="ixt:fixed-zero" scale="6" id="f-1401">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" format="ixt:fixed-zero" scale="6" id="f-1402">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" scale="6" id="f-1403">2</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" scale="6" id="f-1404">64</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" format="ixt:fixed-zero" scale="6" id="f-1405">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff" format="ixt:fixed-zero" scale="6" id="f-1406">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="6" id="f-1407">178</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1408">9,709</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1409">3,598</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1410">1,936</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1411">1,141</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" scale="6" id="f-1412">911</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" scale="6" id="f-1413">941</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" format="ixt:num-dot-decimal" scale="6" id="f-1414">8,757</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" scale="6" id="f-1415">324</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-251" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1416">27,317</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special Mention</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" scale="6" id="f-1417">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" scale="6" id="f-1418">182</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" scale="6" id="f-1419">17</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" scale="6" id="f-1420">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" scale="6" id="f-1421">6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" scale="6" id="f-1422">18</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" scale="6" id="f-1423">102</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" format="ixt:fixed-zero" scale="6" id="f-1424">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-259" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1425">335</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" scale="6" id="f-1426">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" scale="6" id="f-1427">39</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" scale="6" id="f-1428">45</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" scale="6" id="f-1429">28</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" scale="6" id="f-1430">40</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" scale="6" id="f-1431">40</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" scale="6" id="f-1432">46</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" scale="6" id="f-1433">11</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-267" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1434">259</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Doubtful</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1435">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1436">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1437">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1438">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1439">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:fixed-zero" scale="6" id="f-1440">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" format="ixt:fixed-zero" scale="6" id="f-1441">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" format="ixt:fixed-zero" scale="6" id="f-1442">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-275" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1443">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1444">9,720</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1445">3,819</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1446">1,998</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1447">1,178</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" scale="6" id="f-1448">957</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" scale="6" id="f-1449">999</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" format="ixt:num-dot-decimal" scale="6" id="f-1450">8,905</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" scale="6" id="f-1451">335</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1452">27,911</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current-period gross write-offs</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" scale="6" id="f-1453">2</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" scale="6" id="f-1454">10</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" scale="6" id="f-1455">5</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" scale="6" id="f-1456">8</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" scale="6" id="f-1457">2</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" scale="6" id="f-1458">18</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" format="ixt:fixed-zero" scale="6" id="f-1459">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff" format="ixt:fixed-zero" scale="6" id="f-1460">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="6" id="f-1461">45</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1462">12,297</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1463">17,429</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1464">12,633</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1465">10,359</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1466">6,635</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-1467">13,920</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolving" format="ixt:num-dot-decimal" scale="6" id="f-1468">10,900</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" scale="6" id="f-1469">446</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1470">84,619</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When management determines that foreclosure is probable, for loans that are individually evaluated the expected credit losses are based on the fair value of the collateral adjusted for selling costs. When the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, the collateral-dependent practical expedient has been elected and expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. For CRE loans, collateral properties include office buildings, warehouse/distribution buildings, shopping centers, apartment buildings, residential and commercial tract development. The primary source of repayment on these loans is expected to come from the sale, permanent financing or lease of the real property collateral. CRE loans are impacted by fluctuations in collateral values, as well as the ability of the borrower to obtain permanent financing.</span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">106</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1139-4" continuedAt="f-1139-5"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock" id="f-1471" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the extent to which collateral secures the Company&#8217;s collateral-dependent loans held for investment by collateral type as of December&#160;31, 2023:  </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.873%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Collateral Type</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Real Property</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-304" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1472">253</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-305" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1473">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-306" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1474">256</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-307" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1475">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-308" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1476">105</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-309" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1477">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-310" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:fixed-zero" scale="6" id="f-1478">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-311" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1479">120</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total collateral-dependent loans held for investment</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-312" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1480">614</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-313" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" scale="6" id="f-1481">120</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other collateral type consists of taxi medallions, cash, accounts receivable and inventory.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were no significant changes in the extent to which collateral secures the Company&#8217;s collateral-dependent financial assets during the year ended December 31, 2023.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the Company had $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:MortgageLoansInProcessOfForeclosureAmount" format="ixt:num-dot-decimal" scale="6" id="f-1482">81</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:MortgageLoansInProcessOfForeclosureAmount" format="ixt:num-dot-decimal" scale="6" id="f-1483">121</ix:nonFraction>&#160;million of residential mortgage loans in the process of foreclosure, respectively.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Included in loans held for investment at December&#160;31, 2023 and December&#160;31, 2022, were loans of $<ix:nonFraction unitRef="usd" contextRef="c-314" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1484">9</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-315" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1485">101</ix:nonFraction>&#160;million, respectively, to officers, directors, and their related interests and parties. There were no loans to principal shareholders at that date. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Modifications to Borrowers Experiencing Financial Difficulty </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Effective January 1, 2023, the Company adopted ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. For additional information on the adoption, refer to Note 1 - Description of Business, Organization and Basis of Presentation.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When borrowers are experiencing financial difficulty, the Company may make certain loan modifications as part of loss mitigation strategies to maximize expected payment. Modifications in the form of principal forgiveness, an interest rate reduction, or an other-than-insignificant payment delay or a term extension that have occurred in the current reporting period to a borrower experiencing financial difficulty are disclosed along with the financial impact of the modifications.</span></div><div style="text-indent:36pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" id="f-1486" continuedAt="f-1486-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.538%"><tr><td style="width:1.0%"/><td style="width:31.095%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.137%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.104%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.072%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.621%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.393%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.999%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate Reduction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Term Extension</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Combination - Interest Rate Reduction &amp; Term Extension</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total Loan class</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-316" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1487">122</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-317" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" format="ixt:fixed-zero" scale="6" id="f-1488">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-318" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" format="ixt:fixed-zero" scale="6" id="f-1489">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-319" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1490">122</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-319" decimals="4" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" scale="-2" id="f-1491">1.17</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-320" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1492">102</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-321" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1493">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-322" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" format="ixt:fixed-zero" scale="6" id="f-1494">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-323" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1495">103</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-323" decimals="4" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" scale="-2" id="f-1496">0.98</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-324" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1497">3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-325" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1498">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-326" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1499">6</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-327" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1500">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-327" decimals="4" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" scale="-2" id="f-1501">0.23</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-328" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" format="ixt:fixed-zero" scale="6" id="f-1502">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-329" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1503">19</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-330" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1504">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-331" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1505">21</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-331" decimals="4" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" scale="-2" id="f-1506">0.08</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Consumer</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-332" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" format="ixt:fixed-zero" scale="6" id="f-1507">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-333" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" format="ixt:fixed-zero" scale="6" id="f-1508">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-334" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1509">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-335" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1510">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-335" decimals="4" name="us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" scale="-2" id="f-1511">0.08</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-336" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1512">227</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-337" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1513">25</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-338" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1514">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1515">262</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">107</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><ix:continuation id="f-1139-5" continuedAt="f-1139-6"><ix:continuation id="f-1486-1" continuedAt="f-1486-2"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty:</span></div><div style="text-align:center"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:45.829%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.443%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.443%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.717%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate Reduction</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Term Extension</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average contractual interest rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">From</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">To</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average Term (in years)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-339" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1516">7.45</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-340" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1517">6.02</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-341" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1518">8.83</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-342" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1519">4.56</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-343" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1520">6.08</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-344" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1521">4.79</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonNumeric contextRef="c-324" xsi:nil="true" name="us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" id="f-1522"></ix:nonNumeric></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-345" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1523">8.44</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-346" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1524">8.08</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-347" name="us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" format="ixt-sec:duryear" id="f-1525">0.58</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Consumer</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-348" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1526">9.09</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-349" decimals="4" name="us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" scale="-2" id="f-1527">4.82</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonNumeric contextRef="c-350" xsi:nil="true" name="us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" id="f-1528"></ix:nonNumeric></td></tr></table></div></ix:continuation><div style="text-align:center"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, there were $<ix:nonFraction unitRef="usd" contextRef="c-351" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault" format="ixt:num-dot-decimal" scale="6" id="f-1529">4</ix:nonFraction>&#160;million one-to-four family first mortgages that were modified for borrowers experiencing financial difficulty that received term extension and subsequently defaulted during the period and $<ix:nonFraction unitRef="usd" contextRef="c-352" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault" format="ixt:num-dot-decimal" scale="6" id="f-1530">4</ix:nonFraction>&#160;million one-to-four family first mortgages that were combination modifications and subsequently defaulted during the period.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The performance of loans made to borrowers experiencing financial difficulty in which modifications were made is closely monitored to understand the effectiveness of modification efforts. Loans are considered to be in payment default at 90 or more days past due.<ix:continuation id="f-1486-2" continuedAt="f-1486-3"> The following table depicts the performance of loans that have been modified during the reporting period:</ix:continuation></span></div><div style="text-indent:36pt"><span><br/></span></div><ix:continuation id="f-1486-3" continuedAt="f-1486-4"><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:38.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.379%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.798%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.379%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.668%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.379%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.827%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.379%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.991%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 - 89 Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90+ Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-206" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1531">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-204" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" format="ixt:fixed-zero" scale="6" id="f-1532">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-353" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" format="ixt:fixed-zero" scale="6" id="f-1533">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1534">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-209" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1535">3</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-207" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" format="ixt:fixed-zero" scale="6" id="f-1536">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-354" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1537">8</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1538">11</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-355" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1539">3</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-356" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1540">9</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-357" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1541">1</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-189" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1542">13</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Consumer</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-218" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1543">1</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-216" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1544">1</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-358" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" format="ixt:fixed-zero" scale="6" id="f-1545">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-195" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1546">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-221" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1547">8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-219" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1548">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-359" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1549">9</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months" scale="6" id="f-1550">27</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:continuation><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings Prior to Adoption of ASU 2022-02</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to the adoption of ASU 2022-02, the Company accounted for certain loan modifications and restructurings as TDRs. In general, a modification or restructuring of a loan constituted a TDR if the Company granted a concession to a borrower experiencing financial difficulty. A loan modified as a TDR was generally placed on non-accrual status until the Company determined that future collection of principal and interest is reasonably assured, which requires, among other things, that the borrower demonstrate performance according to the restructured terms for a period of at least six consecutive months. In determining the Company&#8217;s allowance for credit losses on loans and leases, reasonably expected TDRs were individually evaluated and consist of criticized, classified, or maturing loans that will have a modification processed within the next three months. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In an effort to proactively manage delinquent loans, the Company has selectively extended to certain borrowers concessions such as rate reductions, extension of maturity dates, and forbearance agreements. As of December&#160;31, 2022, loans on which concessions were made with respect to rate reductions and/or extension of maturity dates amounted to $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" format="ixt:num-dot-decimal" scale="6" id="f-1551">44</ix:nonFraction>&#160;million. </span></div><div><span><br/></span></div><ix:continuation id="f-1486-4" continuedAt="f-1486-5"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information regarding the Company's TDRs as of  December&#160;31, 2022: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:67.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.902%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accruing</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non- Accrual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan Category:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-360" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" format="ixt:fixed-zero" scale="6" id="f-1552">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-360" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" scale="6" id="f-1553">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-360" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1554">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" scale="6" id="f-1555">16</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" scale="6" id="f-1556">19</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1557">35</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div></ix:continuation></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">108</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1486-5"><ix:continuation id="f-1139-6"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:67.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.902%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-362" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" format="ixt:fixed-zero" scale="6" id="f-1558">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-362" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" scale="6" id="f-1559">3</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-362" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1560">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" scale="6" id="f-1561">16</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" scale="6" id="f-1562">28</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod" scale="6" id="f-1563">44</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-indent:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The financial effects of the Company&#8217;s TDRs for the twelve months ended  December&#160;31, 2022 are summarized as follows: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:26.970%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.525%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.280%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.572%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.280%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.671%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.534%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of Loans</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre- Modification Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Post- Modification Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre- Modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Post- Modification</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge- off Amount</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capitalized Interest</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan Category:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="loan" contextRef="c-361" decimals="INF" name="us-gaap:FinancingReceivableModificationsNumberOfContracts2" scale="0" id="f-1564">2</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2" scale="6" id="f-1565">22</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2" scale="6" id="f-1566">19</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-361" decimals="4" name="fbc:FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification" scale="-2" id="f-1567">6.00</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-361" decimals="4" name="fbc:FinancingReceivableModifiedWeightedAverageInterestRateAfterModification" scale="-2" id="f-1568">4.02</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="us-gaap:FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown" scale="6" id="f-1569">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="fbc:FinancingReceivableTroubledDebtRestructuringCapitalizedInterest" format="ixt:fixed-zero" scale="6" id="f-1570">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div><span><br/></span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257875"></div><div style="margin-top:12pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 7 - <ix:nonNumeric contextRef="c-1" name="us-gaap:AllowanceForCreditLossesTextBlock" id="f-1571" continuedAt="f-1571-1" escape="true">Allowance for Credit Losses on Loans and Leases</ix:nonNumeric></span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-1571-1" continuedAt="f-1571-2"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses on Loans and Leases</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" id="f-1572" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes activity in the allowance for credit losses for the periods indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:40.983%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.205%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.205%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.233%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.350%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance, beginning of period</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-188" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1573">290</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1574">103</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1575">393</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-363" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1576">178</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-364" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1577">21</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-28" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1578">199</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustment for Purchased PCD Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="c-302" xsi:nil="true" name="us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" id="f-1579"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" scale="6" id="f-1580">13</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" scale="6" id="f-1581">13</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-365" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" scale="6" id="f-1582">21</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-366" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" scale="6" id="f-1583">30</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" scale="6" id="f-1584">51</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="6" id="f-1585">178</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="6" id="f-1586">45</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="6" id="f-1587">223</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-365" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="6" id="f-1588">5</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-366" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="6" id="f-1589">2</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" scale="6" id="f-1590">7</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="c-302" xsi:nil="true" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" id="f-1591"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" scale="6" id="f-1592">15</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" scale="6" id="f-1593">15</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-365" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" scale="6" id="f-1594">4</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-366" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" scale="6" id="f-1595">7</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" scale="6" id="f-1596">11</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for (recovery of) credit losses on loans and leases</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-302" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" scale="6" id="f-1597">644</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" scale="6" id="f-1598">150</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" scale="6" id="f-1599">794</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-365" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" scale="6" id="f-1600">92</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-366" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" scale="6" id="f-1601">47</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" scale="6" id="f-1602">139</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance, end of period</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-187" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1603">756</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1604">236</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1605">992</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-188" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1606">290</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1607">103</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" scale="6" id="f-1608">393</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, the allowance for credit losses on loans and leases totaled $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-1609">992</ix:nonFraction>&#160;million, up $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" format="ixt:num-dot-decimal" scale="6" id="f-1610">599</ix:nonFraction>&#160;million compared to December&#160;31, 2022. The increase in the allowance for credit losses on loans and leases was primarily driven by an increase in reserves to address weakness in the office sector, potential repricing risk in the multifamily portfolio and an increase in classified assets. Also contributing to the increase in the allowance for credit losses on loans and leases was the day 1 impact of the Signature Transaction that closed on March 20, 2023, which added $<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" format="ixt:num-dot-decimal" scale="6" id="f-1611">141</ix:nonFraction>&#160;million to the reserve.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and December&#160;31, 2022, the allowance for unfunded commitments totaled $<ix:nonFraction unitRef="usd" contextRef="c-55" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-1612">52</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-56" decimals="-6" name="us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-1613">23</ix:nonFraction>&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company charges off loans, or portions of loans, in the period that such loans, or portions thereof, are deemed uncollectible. The collectability of individual loans is determined through an assessment of the financial condition and repayment capacity of the borrower and/or through an estimate of the fair value of any underlying collateral. For non-real estate-related consumer credits, the following past-due time periods determine when charge-offs are typically recorded: (1) closed-end credits are charged off in the quarter that the loan becomes 120 days past due; (2) open-end credits are charged off in the quarter that the loan becomes 180 days past due; and (3) both closed-end and open-end credits are typically charged off in the quarter that the credit is 60 days past the date the Company received notification that the borrower has filed for bankruptcy. </span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">109</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ImpairedFinancingReceivablesTableTextBlock" id="f-1614" escape="true"><ix:continuation id="f-1571-2"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents additional information about the Company&#8217;s nonaccrual loans at December&#160;31, 2023:</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:49.610%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.951%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.368%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.951%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.368%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.952%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Related Allowance</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Income Recognized</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with no related allowance:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-179" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1615">134</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-319" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" scale="6" id="f-1616">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1617">53</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-323" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" scale="6" id="f-1618">2</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1619">85</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-327" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1620">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-185" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" format="ixt:fixed-zero" scale="6" id="f-1621">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-367" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1622">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1623">22</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1624">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with no related allowance</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1625">294</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" scale="6" id="f-1626">7</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with an allowance recorded:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-179" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" scale="6" id="f-1627">4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-179" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:fixed-zero" scale="6" id="f-1628">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-319" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1629">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" scale="6" id="f-1630">75</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1631">17</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-323" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" scale="6" id="f-1632">3</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" scale="6" id="f-1633">11</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1634">2</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-327" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1635">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-185" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" format="ixt:fixed-zero" scale="6" id="f-1636">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-185" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:fixed-zero" scale="6" id="f-1637">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-367" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1638">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" scale="6" id="f-1639">44</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1640">28</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1641">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with an allowance recorded</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" scale="6" id="f-1642">134</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1643">47</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" scale="6" id="f-1644">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-179" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1645">138</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-179" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:fixed-zero" scale="6" id="f-1646">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-319" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" scale="6" id="f-1647">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1648">128</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-181" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1649">17</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-323" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" scale="6" id="f-1650">5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1651">96</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-183" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1652">2</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-327" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1653">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-185" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" format="ixt:fixed-zero" scale="6" id="f-1654">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-185" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:fixed-zero" scale="6" id="f-1655">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-367" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1656">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1657">66</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-276" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1658">28</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-303" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1659">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1660">428</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1661">47</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" scale="6" id="f-1662">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents additional information about the Company&#8217;s nonaccrual loans at December&#160;31, 2022:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:50.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.597%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Related Allowance</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Income Recognized</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with no related allowance:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-180" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1663">13</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-360" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1664">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-182" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1665">19</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" scale="6" id="f-1666">1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-184" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1667">90</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-368" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1668">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1669">3</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-366" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1670">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with no related allowance</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" scale="6" id="f-1671">125</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" scale="6" id="f-1672">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with an allowance recorded:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-182" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" scale="6" id="f-1673">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-182" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:fixed-zero" scale="6" id="f-1674">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1675">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-184" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" scale="6" id="f-1676">2</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-184" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:fixed-zero" scale="6" id="f-1677">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-368" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1678">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" scale="6" id="f-1679">13</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1680">14</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-366" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1681">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with an allowance recorded</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" scale="6" id="f-1682">16</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1683">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1684">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-180" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1685">13</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-180" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:fixed-zero" scale="6" id="f-1686">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-360" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1687">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-182" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1688">20</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-182" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:fixed-zero" scale="6" id="f-1689">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-361" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" scale="6" id="f-1690">1</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-184" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1691">92</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-184" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" format="ixt:fixed-zero" scale="6" id="f-1692">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-368" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1693">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1694">16</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-301" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1695">14</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-366" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" format="ixt:fixed-zero" scale="6" id="f-1696">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRecordedInvestment" scale="6" id="f-1697">141</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:ImpairedFinancingReceivableRelatedAllowance" scale="6" id="f-1698">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod" scale="6" id="f-1699">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:continuation></ix:nonNumeric><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257883"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 8 - <ix:nonNumeric contextRef="c-1" name="us-gaap:LessorDirectFinancingLeasesTextBlock" id="f-1701" continuedAt="f-1701-1" escape="true"><ix:nonNumeric contextRef="c-1" name="us-gaap:LesseeOperatingLeasesTextBlock" id="f-1700" continuedAt="f-1700-1" escape="true">Leases</ix:nonNumeric></ix:nonNumeric></span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-1701-1" continuedAt="f-1701-2"><ix:continuation id="f-1700-1" continuedAt="f-1700-2"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Lessor Arrangements</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:LessorLeasesPolicyTextBlock" id="f-1702" continuedAt="f-1702-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a lessor in the equipment finance business where it has executed direct financing leases (&#8220;lease finance receivables&#8221;). The Company produces lease finance receivables through a specialty finance subsidiary that participates in syndicated loans that are brought to them, and equipment loans and leases that are assigned to them, by a select group of </span></div></ix:nonNumeric></ix:continuation></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">110</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1701-2" continuedAt="f-1701-3"><ix:continuation id="f-1700-2" continuedAt="f-1700-3"><ix:continuation id="f-1702-1" continuedAt="f-1702-2"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">nationally recognized sources, and are generally made to large corporate obligors, many of which are publicly traded, carry investment grade or near-investment grade ratings, and participate in stable industries nationwide. Lease finance receivables are carried at the aggregate of lease payments receivable plus the estimated residual value of the leased assets and any initial direct costs incurred to originate these leases, less unearned income, which is accreted to interest income over the lease term using the interest method.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The standard leases are typically repayable on a level monthly basis with terms ranging from <ix:nonNumeric contextRef="c-369" name="us-gaap:LessorDirectFinancingLeaseTermOfContract1" format="ixt-sec:durmonth" id="f-1703">24</ix:nonNumeric> to <ix:nonNumeric contextRef="c-370" name="us-gaap:LessorDirectFinancingLeaseTermOfContract1" format="ixt-sec:durmonth" id="f-1704">120</ix:nonNumeric> months. At the end of the lease term, the lessee usually has the option to return the equipment, to renew the lease or purchase the equipment at the then fair market value (&#8220;FMV&#8221;) price. For leases with a FMV renewal/purchase option, the relevant residual value assumptions are based on the estimated value of the leased asset at the end of the lease term, including evaluation of key factors, such as, the estimated remaining useful life of the leased asset, its historical secondary market value including history of the lessee executing the FMV option, overall credit evaluation and return provisions. The Company acquires the leased asset at fair market value and provides funding to the respective lessee at acquisition cost, less any volume or trade discounts, as applicable. Therefore, there is generally no selling profit or loss to recognize or defer at inception of a lease.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-1702-2">The residual value component of a lease financing receivable represents the estimated fair value of the leased equipment at the end of the lease term. In establishing residual value estimates, the Company may rely on industry data, historical experience, and independent appraisals and, where appropriate, information regarding product life cycle, product upgrades and competing products. Upon expiration of a lease, residual assets are remarketed, resulting in either an extension of the lease by the lessee, a lease to a new customer or purchase of the residual asset by the lessee or another party. Impairment of residual values arises if the expected fair value is less than the carrying amount. The Company assesses its net investment in lease financing receivables (including residual values) for impairment on an annual basis with any impairment losses recognized in accordance with the impairment guidance for financial instruments. As such, net investment in lease financing receivables may be reduced by an allowance for credit losses with changes recognized as provision expense. On certain lease financings, the Company obtains residual value insurance from third parties to manage and reduce the risk associated with the residual value of the leased assets.</ix:continuation> At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of residual assets with third-party residual value insurance for at least a portion of the asset value was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DirectFinancingLeaseResidualValueOfLeasedAsset" format="ixt:num-dot-decimal" scale="6" id="f-1705">280</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DirectFinancingLeaseResidualValueOfLeasedAsset" format="ixt:num-dot-decimal" scale="6" id="f-1706">32</ix:nonFraction>&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:DirectFinancingLeaseLeaseIncomeTableTextBlock" id="f-1707" continuedAt="f-1707-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses the interest rate implicit in the lease to determine the present value of its lease financing receivables.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of lease income were as follows: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:62.204%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.034%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.742%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.452%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income on lease financing</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:DirectFinancingLeaseInterestIncome" scale="6" id="f-1708">119</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:DirectFinancingLeaseInterestIncome" scale="6" id="f-1709">53</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:DirectFinancingLeaseInterestIncome" scale="6" id="f-1710">53</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><ix:continuation id="f-1707-1" continuedAt="f-1707-2"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"><ix:continuation id="f-1707-2">Included in Interest Income &#8211; Loans and leases in the Consolidated Statements of Income and Comprehensive Income.</ix:continuation> </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of net investment in leases, excluding purchase accounting adjustments was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-8" name="us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="9" id="f-1711">3.5</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-8" name="us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="9" id="f-1712">1.7</ix:nonFraction>&#160;billion, respectively. <ix:nonNumeric contextRef="c-1" name="us-gaap:NetInvestmentInLeasePastDueTableTextBlock" id="f-1713" continuedAt="f-1713-1" escape="true">The components of net investment in direct financing leases, including the carrying amount of the lease receivables, as well as the unguaranteed residual asset were as follows: </ix:nonNumeric></span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-1713-1"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:60.288%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.930%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net investment in the lease - lease payments receivable</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DirectFinancingLeaseLeaseReceivable" format="ixt:num-dot-decimal" scale="6" id="f-1714">3,187</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DirectFinancingLeaseLeaseReceivable" format="ixt:num-dot-decimal" scale="6" id="f-1715">1,685</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net investment in the lease - unguaranteed residual assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DirectFinancingLeaseUnguaranteedResidualAsset" scale="6" id="f-1716">321</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DirectFinancingLeaseUnguaranteedResidualAsset" scale="6" id="f-1717">60</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1718">3,508</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="6" id="f-1719">1,745</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation></ix:continuation><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">111</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1701-3" continuedAt="f-1701-4"><ix:continuation id="f-1700-3" continuedAt="f-1700-4"><ix:nonNumeric contextRef="c-1" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock" id="f-1720" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the remaining maturity analysis of the undiscounted lease receivables, as well as the reconciliation to the total amount of receivables recognized in the Consolidated Statements of Condition: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:82.372%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.428%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths" scale="6" id="f-1721">549</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears" scale="6" id="f-1722">602</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears" scale="6" id="f-1723">874</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears" scale="6" id="f-1724">521</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears" scale="6" id="f-1725">293</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter" scale="6" id="f-1726">669</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived" format="ixt:num-dot-decimal" scale="6" id="f-1727">3,508</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Plus: deferred origination costs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" scale="6" id="f-1728">15</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: unearned income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount" scale="6" id="f-1729">258</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: purchase accounting adjustment</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" scale="6" id="f-1730">76</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease finance receivables, net</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivable" format="ixt:num-dot-decimal" scale="6" id="f-1731">3,189</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Lessee Arrangements</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:LesseeLeasesPolicyTextBlock" id="f-1732" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has operating leases for corporate offices, branch locations, and certain equipment. These leases generally have terms of <ix:nonNumeric contextRef="c-7" name="us-gaap:LesseeOperatingLeaseTermOfContract" format="ixt-sec:duryear" id="f-1733">20</ix:nonNumeric> years or less, determined based on the contractual maturity of the lease, and include periods covered by options to extend or terminate the lease when the Company is reasonably certain that it will exercise those options. For the vast majority of the Company&#8217;s leases, we are not reasonably certain we will exercise our options to renew to the end of all renewal option periods. The Company determines if an arrangement is a lease at inception. Operating leases are included in other assets and other liabilities in the Consolidated Statements of Condition.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ROU assets represent the Company&#8217;s right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As the vast majority of the leases do not provide an implicit rate, the incremental borrowing rate (FHLB borrowing rate) is used based on the information available at commencement date in determining the present value of lease payments. The implicit rate is used when readily determinable. The operating lease ROU asset is measured at cost, which includes the initial measurement of the lease liability, prepaid rent and initial direct costs incurred by the Company, less incentives received.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Variable costs such as the proportionate share of actual costs for utilities, common area maintenance, property taxes and insurance are not included in the lease liability and are recognized in the period in which they are incurred.</span></div></ix:nonNumeric><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:LeaseCostTableTextBlock" id="f-1734" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of lease expense were as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:40.469%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.231%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.923%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.815%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease cost</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OperatingLeaseCost" scale="6" id="f-1735">86</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OperatingLeaseCost" scale="6" id="f-1736">28</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:OperatingLeaseCost" scale="6" id="f-1737">27</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease cost</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:LeaseCost" scale="6" id="f-1738">86</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:LeaseCost" scale="6" id="f-1739">28</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:LeaseCost" scale="6" id="f-1740">27</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Supplemental cash flow information related to the leases for the following periods: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:71.414%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.958%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.744%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash paid for amounts included in the measurement of lease liabilities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating cash flows from operating leases</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OperatingLeasePayments" scale="6" id="f-1741">64</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OperatingLeasePayments" scale="6" id="f-1742">28</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">112</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1701-4"><ix:continuation id="f-1700-4"><ix:nonNumeric contextRef="c-1" name="fbc:AssetsAndLiabilitiesLesseeTableTextBlock" id="f-1743" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Supplemental balance sheet information related to the leases for the following periods: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:63.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.541%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except lease term and discount rate)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating Leases:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease right-of-use assets </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:OperatingLeaseRightOfUseAsset" scale="6" id="f-1744">426</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:OperatingLeaseRightOfUseAsset" scale="6" id="f-1745">119</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease liabilities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:OperatingLeaseLiability" scale="6" id="f-1746">446</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:OperatingLeaseLiability" scale="6" id="f-1747">122</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average remaining lease term</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-7" name="us-gaap:OperatingLeaseWeightedAverageRemainingLeaseTerm1" format="ixt-sec:duryear" id="f-1748">11.2</ix:nonNumeric> years</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-8" name="us-gaap:OperatingLeaseWeightedAverageRemainingLeaseTerm1" format="ixt-sec:duryear" id="f-1749">6</ix:nonNumeric> years</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average discount rate percent</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:OperatingLeaseWeightedAverageDiscountRatePercent" scale="-2" id="f-1750">4.71</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="us-gaap:OperatingLeaseWeightedAverageDiscountRatePercent" scale="-2" id="f-1751">3.85</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in <span style="-sec-ix-hidden:f-1752"><span style="-sec-ix-hidden:f-1753">Other assets</span></span> in the Consolidated Statements of Condition.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in <span style="-sec-ix-hidden:f-1754"><span style="-sec-ix-hidden:f-1755">Other liabilities</span></span> in the Consolidated Statements of Condition.</span></div></ix:nonNumeric><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock" id="f-1756" escape="true"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:82.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"><br/></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maturities of lease liabilities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" scale="6" id="f-1757">71</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" scale="6" id="f-1758">65</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearThree" scale="6" id="f-1759">58</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearFour" scale="6" id="f-1760">52</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearFive" scale="6" id="f-1761">45</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" scale="6" id="f-1762">296</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LesseeOperatingLeaseLiabilityPaymentsDue" scale="6" id="f-1763">587</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: imputed interest</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" scale="6" id="f-1764">141</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total present value of lease liabilities</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:OperatingLeaseLiability" scale="6" id="f-1765">446</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation></ix:continuation><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257891"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 9 - <ix:nonNumeric contextRef="c-1" name="us-gaap:TransfersAndServicingOfFinancialAssetsTextBlock" id="f-1766" continuedAt="f-1766-1" escape="true">Mortgage Servicing Rights</ix:nonNumeric></span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-1766-1" continuedAt="f-1766-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has investments in MSRs that result from the sale of loans to the secondary market for which we retain the servicing. The Company accounts for MSRs at their fair value. A primary risk associated with MSRs is the potential reduction in fair value as a result of higher than anticipated prepayments due to loan refinancing prompted, in part, by declining interest rates or government intervention. Conversely, these assets generally increase in value in a rising interest rate environment to the extent that prepayments are slower than anticipated. The Company utilizes derivatives as economic hedges to offset changes in the fair value of the MSRs resulting from the actual or anticipated changes in prepayments stemming from changing interest rate environments. There is also a risk of valuation decline due to higher than expected default rates, which we do not believe can be effectively managed using derivatives. For further information regarding the derivative instruments utilized to manage our MSR risks, see Note 15 - Derivative and Hedging Activities.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfServicingAssetsAtFairValueTextBlock" id="f-1767" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Changes in the fair value of residential first mortgage MSRs were as follows:</span></div><div style="margin-top:6pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"><tr><td style="width:1.0%"/><td style="width:84.635%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.165%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at beginning of period</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-371" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:num-dot-decimal" scale="6" id="f-1768">1,033</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions from loans sold with servicing retained</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-372" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAdditions" scale="6" id="f-1769">208</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reductions from sales</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-372" decimals="-6" name="us-gaap:ServicingAssetAtFairValueDisposals" scale="6" id="f-1770">51</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes, and other </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue" scale="6" id="f-1771">80</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes in estimates of fair value due to interest rate risk</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1) (2)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:ServicingAssetAtFairValuePeriodIncreaseDecrease" scale="6" id="f-1772">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of MSRs at end of period</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-373" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:num-dot-decimal" scale="6" id="f-1773">1,111</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Changes in fair value are included within <span style="-sec-ix-hidden:f-1774"><span style="-sec-ix-hidden:f-1775">net return on mortgage servicing rights</span></span> on the Consolidated Statements of Income and Comprehensive Income.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents estimated MSR value change resulting primarily from market-driven changes which we manage through the use of derivatives.</span></div></ix:nonNumeric></ix:continuation><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">113</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1766-2" continuedAt="f-1766-3"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" id="f-1776" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the hypothetical effect on the fair value of servicing rights using adverse changes of 10 percent and 20 percent to the weighted average of certain significant assumptions used in valuing these assets:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:57.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.929%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10% adverse change</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20% adverse change</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Option adjusted spread</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" scale="-2" id="f-1777">5.4</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" format="ixt:num-dot-decimal" scale="6" id="f-1778">1,091</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" format="ixt:num-dot-decimal" scale="6" id="f-1779">1,072</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent" scale="-2" id="f-1780">7.9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" format="ixt:num-dot-decimal" scale="6" id="f-1781">1,073</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed" format="ixt:num-dot-decimal" scale="6" id="f-1782">1,040</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average cost to service per loan</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="0" name="fbc:SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" scale="0" id="f-1783">69</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption" format="ixt:num-dot-decimal" scale="6" id="f-1784">1,100</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption" format="ixt:num-dot-decimal" scale="6" id="f-1785">1,090</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:58.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.873%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10% adverse change</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20% adverse change</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Option adjusted spread</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-9" decimals="4" name="fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" scale="-2" id="f-1786">5.9</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" format="ixt:num-dot-decimal" scale="6" id="f-1787">1,012</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" scale="6" id="f-1788">992</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-9" decimals="4" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent" scale="-2" id="f-1789">7.9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" format="ixt:num-dot-decimal" scale="6" id="f-1790">1,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed" scale="6" id="f-1791">970</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average cost to service per loan</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="0" name="fbc:SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" scale="0" id="f-1792">68</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption" format="ixt:num-dot-decimal" scale="6" id="f-1793">1,023</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption" format="ixt:num-dot-decimal" scale="6" id="f-1794">1,013</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. To isolate the effect of the specified change, the fair value shock analysis is consistent with the identified adverse change, while holding all other assumptions constant. In practice, a change in one assumption generally impacts other assumptions, which may either magnify or counteract the effect of the change. For further information on the fair value of MSRs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, see Note 18 - Fair Value Measures</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Contractual servicing and subservicing fees, including late fees and other ancillary income are presented below. Contractual servicing fees are included within net return on mortgage servicing rights on the Consolidated Statements of Income and Comprehensive Income. Contractual subservicing fees including late fees and other ancillary income are included within loan administration income on the Consolidated Statements of Income and Comprehensive Income. Subservicing fee income is recorded for fees earned on subserviced loans, net of third-party subservicing costs.</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="fbc:ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" id="f-1795" continuedAt="f-1795-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes income and fees associated with owned MSRs:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.099%"><tr><td style="width:1.0%"/><td style="width:69.987%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.461%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.252%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Month Ended December 31, 2022</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Servicing fees, ancillary income and late fees</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-372" decimals="-6" name="us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" scale="6" id="f-1796">227</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-374" decimals="-6" name="us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" scale="6" id="f-1797">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes and other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-372" decimals="-6" sign="-" name="us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue" scale="6" id="f-1798">80</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-374" decimals="-6" sign="-" name="us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue" scale="6" id="f-1799">8</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes in fair value due to interest rate risk</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-372" decimals="-6" name="us-gaap:ServicingAssetAtFairValuePeriodIncreaseDecrease" scale="6" id="f-1800">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-374" decimals="-6" name="us-gaap:ServicingAssetAtFairValuePeriodIncreaseDecrease" scale="6" id="f-1801">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gain on MSR derivatives</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-372" decimals="-6" sign="-" name="us-gaap:GainLossOnOilAndGasHedgingActivity" scale="6" id="f-1802">47</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-374" decimals="-6" sign="-" name="us-gaap:GainLossOnOilAndGasHedgingActivity" scale="6" id="f-1803">16</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net transaction costs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-372" decimals="-6" name="fbc:ServicingAssetatFairValueNetTransactionCosts" scale="6" id="f-1804">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-374" decimals="-6" name="fbc:ServicingAssetatFairValueNetTransactionCosts" format="ixt:fixed-zero" scale="6" id="f-1805">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total return included in net return on mortgage servicing rights</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:MortgageServicingRightsMSRImpairmentRecovery" scale="6" id="f-1806">103</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:MortgageServicingRightsMSRImpairmentRecovery" scale="6" id="f-1807">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Changes in the derivatives utilized as economic hedges to offset changes in fair value of the MSRs.</span></div></ix:nonNumeric></ix:continuation><div style="text-indent:24.5pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">114</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1766-3"><ix:continuation id="f-1795-1"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes income and fees associated with our mortgage loans subserviced for others: </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"><tr><td style="width:1.0%"/><td style="width:70.118%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.850%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.732%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan administration income on mortgage loans subserviced</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Servicing fees, ancillary income and late fees </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-375" decimals="-6" name="us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" scale="6" id="f-1808">154</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-376" decimals="-6" name="us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" scale="6" id="f-1809">11</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charges on subserviced custodial balances </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-375" decimals="-6" name="fbc:SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" scale="6" id="f-1810">168</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-376" decimals="-6" name="fbc:SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" scale="6" id="f-1811">8</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other servicing charges</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-375" decimals="-6" name="fbc:OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" scale="6" id="f-1812">3</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-376" decimals="-6" name="fbc:OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" format="ixt:fixed-zero" scale="6" id="f-1813">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total (loss) income on mortgage loans subserviced, included in loan administration income</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="fbc:SubservicingAssetatFairValueIncomeAmount" scale="6" id="f-1814">17</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:SubservicingAssetatFairValueIncomeAmount" scale="6" id="f-1815">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Charges on subserviced custodial balances represent interest due to MSR owner.</span></div></ix:continuation><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also earned approximately $<ix:nonFraction unitRef="usd" contextRef="c-377" decimals="-6" name="us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" format="ixt:num-dot-decimal" scale="6" id="f-1816">95</ix:nonFraction>&#160;million in service fee income for loans being serviced for the FDIC related to the Signature transaction.</span></div></ix:continuation><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257899"></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 10 - <ix:nonNumeric contextRef="c-1" name="us-gaap:VariableInterestEntityDisclosureTextBlock" id="f-1817" continuedAt="f-1817-1" escape="true">Variable Interest Entities</ix:nonNumeric></span></div><ix:continuation id="f-1817-1" continuedAt="f-1817-2"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have <ix:nonFraction unitRef="unit" contextRef="c-7" decimals="INF" name="fbc:VariableInterestEntityNumberofEntities" format="ixt:fixed-zero" scale="0" id="f-1818"><ix:nonFraction unitRef="unit" contextRef="c-8" decimals="INF" name="fbc:VariableInterestEntityNumberofEntities" format="ixt:fixed-zero" scale="0" id="f-1819">no</ix:nonFraction></ix:nonFraction> consolidated VIEs as of December&#160;31, 2023 and December&#160;31, 2022.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-1817-2">In connection with our non-qualified mortgage securitization activities, we have retained a <ix:nonFraction unitRef="number" contextRef="c-378" decimals="INF" name="us-gaap:VariableInterestEntityOwnershipPercentage" format="ixt-sec:numwordsen" scale="-2" id="f-1820">five</ix:nonFraction> percent interest in the investment securities of certain trusts ("other MBS") and are contracted as the subservicer of the underlying loans, compensated based on market rates, which constitutes a continuing involvement in these trusts. Although we have a variable interest in these securitization trusts, we are not their primary beneficiary due to the relative size of our investment in comparison to the total amount of securities issued by the VIE and our inability to direct activities that most significantly impact the VIE&#8217;s economic performance. As a result, we have not consolidated the assets and liabilities of the VIE in our Consolidated Statements of Condition. The Bank&#8217;s maximum exposure to loss is limited to our <ix:nonFraction unitRef="number" contextRef="c-378" decimals="INF" name="us-gaap:VariableInterestEntityOwnershipPercentage" format="ixt-sec:numwordsen" scale="-2" id="f-1821">five</ix:nonFraction> percent retained interest in the investment securities that had a fair value of $<ix:nonFraction unitRef="usd" contextRef="c-379" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-1822">180</ix:nonFraction>&#160;million as of December&#160;31, 2023 as well as the standard representations and warranties made in conjunction with the loan transfers.</ix:continuation> </span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_4947802327568"></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 11 - <ix:nonNumeric contextRef="c-1" name="us-gaap:DepositLiabilitiesDisclosuresTextBlock" id="f-1823" continuedAt="f-1823-1" escape="true">Deposits</ix:nonNumeric></span></div><ix:continuation id="f-1823-1" continuedAt="f-1823-2"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:DepositLiabilitiesTypeTableTextBlock" id="f-1824" escape="true"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the weighted average interest rates for each type of deposit at December&#160;31, 2023 and 2022: </span></div><div><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:37.094%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.205%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.177%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.351%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-bearing checking and money market accounts</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DepositsMoneyMarketDeposits" format="ixt:num-dot-decimal" scale="6" id="f-1825">30,700</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket" scale="-2" id="f-1826">37.66</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositMoneyMarket" scale="-2" id="f-1827">3.51</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DepositsMoneyMarketDeposits" format="ixt:num-dot-decimal" scale="6" id="f-1828">22,511</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket" scale="-2" id="f-1829">38.34</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositMoneyMarket" scale="-2" id="f-1830">2.66</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Savings accounts</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DepositsSavingsDeposits" format="ixt:num-dot-decimal" scale="6" id="f-1831">8,773</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsSavings" scale="-2" id="f-1832">10.76</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositSavings" scale="-2" id="f-1833">2.67</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DepositsSavingsDeposits" format="ixt:num-dot-decimal" scale="6" id="f-1834">11,645</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsSavings" scale="-2" id="f-1835">19.83</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositSavings" scale="-2" id="f-1836">1.30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits" format="ixt:num-dot-decimal" scale="6" id="f-1837">21,554</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit" scale="-2" id="f-1838">26.44</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositCertificatesOfDeposit" scale="-2" id="f-1839">4.42</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits" format="ixt:num-dot-decimal" scale="6" id="f-1840">12,510</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit" scale="-2" id="f-1841">21.30</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositCertificatesOfDeposit" scale="-2" id="f-1842">2.04</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-interest-bearing accounts</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:NoninterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1843">20,499</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="fbc:PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" scale="-2" id="f-1844">25.14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="fbc:WeightedAverageRateNoninterestBearingDepositLiabilities" format="ixt:fixed-zero" scale="-2" id="f-1845">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:NoninterestBearingDepositLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-1846">12,055</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="fbc:PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" scale="-2" id="f-1847">20.53</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="fbc:WeightedAverageRateNoninterestBearingDepositLiabilities" format="ixt:fixed-zero" scale="-2" id="f-1848">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total deposits</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="6" id="f-1849">81,526</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="3" name="fbc:PercentageOfTotalDeposits" scale="-2" id="f-1850">100.00</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="fbc:WeightedAverageRateDepositLiabilities" scale="-2" id="f-1851">2.79</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:Deposits" format="ixt:num-dot-decimal" scale="6" id="f-1852">58,721</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="fbc:PercentageOfTotalDeposits" scale="-2" id="f-1853">100.00</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-8" decimals="4" name="fbc:WeightedAverageRateDepositLiabilities" scale="-2" id="f-1854">1.71</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and 2022, the aggregate amount of time deposit accounts (including certificates of deposit) that meet or exceed the insured limit was $7.9 billion and $3.7 billion, respectively. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and 2022, the aggregate amount of deposits that had been reclassified as loan balances (i.e., overdrafts) was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1" format="ixt:num-dot-decimal" scale="6" id="f-1855">121</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1" format="ixt:num-dot-decimal" scale="6" id="f-1856">4</ix:nonFraction>&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">115</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:nonNumeric contextRef="c-1" name="us-gaap:TimeDepositMaturitiesTableTextBlock" id="f-1857" escape="true"><ix:continuation id="f-1823-2" continuedAt="f-1823-3"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The scheduled maturities of certificates of deposit at December&#160;31, 2023 were as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.269%"><tr><td style="width:1.0%"/><td style="width:82.405%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.395%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 year or less</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-6" name="us-gaap:TimeDepositMaturitiesYearOne" format="ixt:num-dot-decimal" scale="6" id="f-1858">17,321</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 1 year through 2 years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-6" name="us-gaap:TimeDepositMaturitiesYearTwo" format="ixt:num-dot-decimal" scale="6" id="f-1859">3,879</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 2 years through 3 years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-6" name="us-gaap:TimeDepositMaturitiesYearThree" scale="6" id="f-1860">229</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 3 years through 4 years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-6" name="us-gaap:TimeDepositMaturitiesYearFour" scale="6" id="f-1861">142</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 4 years through 5 years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-6" name="us-gaap:TimeDepositMaturitiesYearFive" scale="6" id="f-1862">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over 5 years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-6" name="us-gaap:TimeDepositMaturitiesAfterYearFive" scale="6" id="f-1863">3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total CDs </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-6" name="us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits" format="ixt:num-dot-decimal" scale="6" id="f-1864">21,581</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1) Excludes PAA</span></div></ix:continuation></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-1823-3">Included in total deposits at both December&#160;31, 2023 and 2022 were brokered deposits of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-7" name="us-gaap:InterestBearingDomesticDepositBrokered" format="ixt:num-dot-decimal" scale="9" id="f-1865">9.5</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-7" name="us-gaap:InterestBearingDomesticDepositBrokered" format="ixt:num-dot-decimal" scale="9" id="f-1866">5.1</ix:nonFraction>&#160;billion with weighted average interest rates of <ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:WeightedAverageRateDomesticDepositBrokered" format="ixt:num-dot-decimal" scale="-2" id="f-1867">3.72</ix:nonFraction> percent and .<ix:nonFraction unitRef="number" contextRef="c-8" decimals="0" name="us-gaap:WeightedAverageRateDomesticDepositBrokered" scale="0" id="f-1868">49</ix:nonFraction> percent at the respective year-ends. Brokered money market accounts represented $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-7" name="fbc:InterestBearingDomesticDepositBrokeredMoneyMarket" format="ixt:num-dot-decimal" scale="9" id="f-1869">1.3</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-7" name="fbc:InterestBearingDomesticDepositBrokeredMoneyMarket" format="ixt:num-dot-decimal" scale="9" id="f-1870">2.8</ix:nonFraction>&#160;billion of the December&#160;31, 2023 and 2022 totals, and brokered interest-bearing checking accounts represented $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-7" name="fbc:InterestBearingDepositBrokeredCheckingAccount" format="ixt:num-dot-decimal" scale="9" id="f-1871">1.6</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-7" name="fbc:InterestBearingDepositBrokeredCheckingAccount" format="ixt:num-dot-decimal" scale="9" id="f-1872">1.0</ix:nonFraction>&#160;billion, respectively. Brokered CDs represented $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-7" name="fbc:InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" format="ixt:num-dot-decimal" scale="9" id="f-1873">6.6</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-7" name="fbc:InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" format="ixt:num-dot-decimal" scale="9" id="f-1874">1.3</ix:nonFraction>&#160;billion of brokered deposits at December&#160;31, 2023 and 2022, respectively.</ix:continuation> </span></div><div style="text-align:justify"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257907"></div><div style="margin-top:12pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 12 - <ix:nonNumeric contextRef="c-1" name="us-gaap:DebtDisclosureTextBlock" id="f-1875" continuedAt="f-1875-1" escape="true">Borrowed Funds</ix:nonNumeric></span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-1875-1" continuedAt="f-1875-2"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfDebtTableTextBlock" id="f-1876" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s borrowed funds: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:72.372%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.818%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Wholesale borrowings:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB advances</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-381" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-1877">19,250</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-382" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-1878">20,325</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FRB term funding</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-383" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-1879">1,000</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-384" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:fixed-zero" scale="6" id="f-1880">&#8212;</ix:nonFraction></span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total wholesale borrowings</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-385" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-1881">20,250</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-386" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-1882">20,325</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior subordinated debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-387" decimals="-6" name="us-gaap:LongTermDebt" scale="6" id="f-1883">579</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-388" decimals="-6" name="us-gaap:LongTermDebt" scale="6" id="f-1884">575</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subordinated notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-389" decimals="-6" name="us-gaap:LongTermDebt" scale="6" id="f-1885">438</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-390" decimals="-6" name="us-gaap:LongTermDebt" scale="6" id="f-1886">432</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total borrowed funds</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-1887">21,267</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="6" id="f-1888">21,332</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Accrued interest on borrowed funds is included in &#8220;Other liabilities&#8221; in the Consolidated Statements of Condition and amounted to</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:InterestPayableCurrentAndNoncurrent" format="ixt:num-dot-decimal" scale="6" id="f-1889">50</ix:nonFraction>&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:InterestPayableCurrentAndNoncurrent" format="ixt:num-dot-decimal" scale="6" id="f-1890">37</ix:nonFraction>&#160;million, respectively, at December&#160;31, 2023, December&#160;31, 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">FHLB Advances</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" id="f-1891" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The contractual maturities and the next call dates of FHLB advances outstanding at December&#160;31, 2023 were as follows:</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:45.150%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.844%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.320%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Contractual Maturity</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Earlier of Contractual Maturity or Next Call Date</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions) Year</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate (1)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate (1)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" format="ixt:num-dot-decimal" scale="6" id="f-1892">7,350</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate" scale="-2" id="f-1893">4.57</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths" format="ixt:num-dot-decimal" scale="6" id="f-1894">9,100</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths" scale="-2" id="f-1895">4.37</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" format="ixt:num-dot-decimal" scale="6" id="f-1896">1,500</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" scale="-2" id="f-1897">5.38</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo" format="ixt:num-dot-decimal" scale="6" id="f-1898">1,750</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo" scale="-2" id="f-1899">5.11</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" format="ixt:num-dot-decimal" scale="6" id="f-1900">2,500</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" scale="-2" id="f-1901">5.37</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree" format="ixt:num-dot-decimal" scale="6" id="f-1902">2,500</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree" scale="-2" id="f-1903">5.37</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" format="ixt:num-dot-decimal" scale="6" id="f-1904">4,000</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" scale="-2" id="f-1905">4.62</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" format="ixt:num-dot-decimal" scale="6" id="f-1906">3,500</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" scale="-2" id="f-1907">4.75</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" format="ixt:num-dot-decimal" scale="6" id="f-1908">2,400</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" scale="-2" id="f-1909">5.17</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" format="ixt:num-dot-decimal" scale="6" id="f-1910">2,400</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive" scale="-2" id="f-1911">5.17</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2032</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" format="ixt:num-dot-decimal" scale="6" id="f-1912">1,500</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" scale="-2" id="f-1913">3.43</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive" format="ixt:fixed-zero" scale="6" id="f-1914">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-7" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive" format="ixt:fixed-zero" scale="-2" id="f-1915">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total FHLB advances</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AdvancesFromFederalHomeLoanBanks" format="ixt:num-dot-decimal" scale="6" id="f-1916">19,250</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesParValue" format="ixt:num-dot-decimal" scale="6" id="f-1917">19,250</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Does not included the effect interest rate swap agreements.</span></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FHLB advances include both straight fixed-rate advances and advances under the FHLB convertible advance program, which gives the FHLB the option of either calling the advance after an initial lock-out period of up to <ix:nonNumeric contextRef="c-7" name="us-gaap:FederalHomeLoanBankAdvancesMaturityPeriodFixedRate" format="ixt-sec:durwordsen" id="f-1918">five years</ix:nonNumeric>  and quarterly thereafter until maturity, or a one-time call at the initial call date.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">116</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1875-2" continuedAt="f-1875-3"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and 2022, respectively, the Bank had unused lines of available credit with the FHLB-NY of up to $<ix:nonFraction unitRef="usd" contextRef="c-385" decimals="-7" name="us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity" format="ixt:num-dot-decimal" scale="9" id="f-1919">8.4</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-386" decimals="-7" name="us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity" format="ixt:num-dot-decimal" scale="9" id="f-1920">11.3</ix:nonFraction>&#160;billion. The Company did <ix:nonFraction unitRef="usd" contextRef="c-381" decimals="INF" name="us-gaap:FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd" format="ixt-sec:numwordsen" id="f-1921">no</ix:nonFraction>t have any overnight advances at December&#160;31, 2023 and $<ix:nonFraction unitRef="usd" contextRef="c-382" decimals="-7" name="us-gaap:FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd" format="ixt:num-dot-decimal" scale="9" id="f-1922">2.8</ix:nonFraction>&#160;billion at December&#160;31, 2022. During the year ended December&#160;31, 2023, the average balance of overnight advances amounted to $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-1923">624</ix:nonFraction> million, with a weighted average interest rate of <ix:nonFraction unitRef="number" contextRef="c-1" decimals="4" name="us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear" scale="0" id="f-1924">5.08</ix:nonFraction> percent. During the year ended December&#160;31, 2022, the average balance of overnight advances amounted to $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-1925">318</ix:nonFraction> million, with a weighted average interest rate of <ix:nonFraction unitRef="number" contextRef="c-9" decimals="3" name="us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear" scale="0" id="f-1926">3.48</ix:nonFraction> percent.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Total FHLB advances generated interest expense of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" format="ixt:num-dot-decimal" scale="6" id="f-1927">564</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" format="ixt:num-dot-decimal" scale="6" id="f-1928">251</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" format="ixt:num-dot-decimal" scale="6" id="f-1929">233</ix:nonFraction>&#160;million, in the years ended December&#160;31, 2023, 2022, and 2021, respectively. </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Reserve Bank (FRB) Term Funding Program</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the Company had $<ix:nonFraction unitRef="usd" contextRef="c-383" decimals="-7" name="us-gaap:LongTermDebt" format="ixt:num-dot-decimal" scale="9" id="f-1930">1.0</ix:nonFraction>&#160;billion in outstanding borrowings under the FRB Term Funding program. There were <ix:nonFraction unitRef="usd" contextRef="c-391" decimals="INF" name="us-gaap:LongTermDebt" format="ixt-sec:numwordsen" id="f-1931"><ix:nonFraction unitRef="usd" contextRef="c-384" decimals="INF" name="us-gaap:LongTermDebt" format="ixt-sec:numwordsen" id="f-1932">no</ix:nonFraction></ix:nonFraction> such borrowings outstanding during the years ended 2022 or 2021.</span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Repurchase Agreements</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had no outstanding repurchase agreements as of December&#160;31, 2023 and 2022. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had no short-term repurchase agreements outstanding at December&#160;31, 2023 and 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There was <ix:nonFraction unitRef="usd" contextRef="c-1" decimals="INF" name="us-gaap:RepurchaseAgreementsInterestExpenseAmount" format="ixt-sec:numwordsen" id="f-1933">no</ix:nonFraction> accrued interest on repurchase agreements amounted at December&#160;31, 2023. The interest expense on repurchase agreements was $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:RepurchaseAgreementsInterestExpenseAmount" format="ixt:num-dot-decimal" scale="6" id="f-1934">14</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:RepurchaseAgreementsInterestExpenseAmount" format="ixt:num-dot-decimal" scale="6" id="f-1935">18</ix:nonFraction>&#160;million for the years ended December&#160;31, 2022 and 2021, respectively.</span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Funds Purchased</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were no federal funds purchased outstanding at December&#160;31, 2023 and December&#160;31, 2022.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2023 and 2022, respectively, the average balances of federal funds purchased were $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FederalFundsPurchasedAverageAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-1936">196</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:FederalFundsPurchasedAverageAmountOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-1937">466</ix:nonFraction> million, with weighted average interest rates of <ix:nonFraction unitRef="number" contextRef="c-1" decimals="3" name="srt:FederalFundsPurchasedAverageRatePaid" scale="0" id="f-1938">5.01</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="c-9" decimals="3" name="srt:FederalFundsPurchasedAverageRatePaid" scale="0" id="f-1939">1.65</ix:nonFraction> percent. The interest expense produced by federal funds purchased was $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestExpenseFederalFundsPurchased" format="ixt:num-dot-decimal" scale="6" id="f-1940">10</ix:nonFraction> million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestExpenseFederalFundsPurchased" format="ixt:num-dot-decimal" scale="6" id="f-1941">8</ix:nonFraction> million and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestExpenseFederalFundsPurchased" format="ixt:fixed-zero" scale="6" id="f-1942">0&#160;million</ix:nonFraction> for the years ended December&#160;31, 2023, 2022 and 2021, respectively. </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Junior Subordinated Debentures</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the Company had $<ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" format="ixt:num-dot-decimal" scale="6" id="f-1943">609</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-392" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" format="ixt:num-dot-decimal" scale="6" id="f-1944">608</ix:nonFraction>&#160;million, respectively, of outstanding junior subordinated deferrable interest debentures (&#8220;junior subordinated debentures&#8221;) held by statutory business trusts (the &#8220;Trusts&#8221;) that issued guaranteed capital securities, excluding purchase accounting adjustments.</span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">117</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-1875-3" continuedAt="f-1875-4"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfSubordinatedBorrowingTextBlock" id="f-1945" continuedAt="f-1945-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents contractual terms of the junior subordinated debentures outstanding at December&#160;31, 2023:</span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:38.073%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.013%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.369%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.723%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.369%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.153%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.369%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.862%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.369%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.300%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Issuer</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate of Capital Securities and Debentures</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior Subordinated Debentures Amount Outstanding </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital Securities Amount Outstanding</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Date of Original Issue</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stated Maturity</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Capital Trust V (BONUSES Units) (1)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-393" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1946">6.00</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-393" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1947">147</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-393" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1948">141</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nov. 4, 2002</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nov. 1, 2051</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Capital Trust X (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-394" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1949">7.25</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-394" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1950">124</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-394" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1951">120</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 14, 2006</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 15, 2036</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">PennFed Capital Trust III (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-395" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1952">8.90</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-395" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1953">31</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-395" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1954">30</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 2, 2003</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 15, 2033</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Capital Trust XI (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-396" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1955">7.24</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-396" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1956">59</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-396" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1957">58</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 16, 2007</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 30, 2037</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust II (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-397" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1958">8.87</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-397" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1959">26</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-397" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1960">25</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 26, 2002</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 26, 2032</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust III (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-398" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1961">8.91</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-398" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1962">26</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-398" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1963">25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Feb. 19, 2003</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 7, 2033</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust IV (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-399" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1964">8.84</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-399" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1965">26</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-399" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1966">25</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar. 19, 2003</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar 19, 2033</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust V (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-400" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1967">7.66</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-400" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1968">26</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-400" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1969">25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec 29, 2004</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Jan. 7, 2035</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust VI (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-401" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1970">7.66</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-401" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1971">26</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-401" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1972">25</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar. 30, 2005</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 7, 2035</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust VII (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-402" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1973">7.40</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-402" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1974">51</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-402" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1975">50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar. 29, 2005</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 15, 2035</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust VIII (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-403" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1976">7.16</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-403" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1977">26</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-403" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1978">25</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sept. 22, 2005</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Oct. 7, 2035</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust IX (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-404" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1979">7.10</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-404" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1980">26</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-404" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1981">25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 28, 2007</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sept. 15, 2037</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust X (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-405" decimals="2" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="0" id="f-1982">8.15</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-405" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1983">15</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-405" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1984">15</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Aug. 31, 2007</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sept 15, 2037</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total junior subordinated debentures</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-380" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-1985">609</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount" scale="6" id="f-1986">589</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Callable subject to certain conditions as described in the prospectus filed with the SEC on November 4, 2002. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Callable at any time. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes Flagstar Acquisition fair value adjustments of $<ix:nonFraction unitRef="usd" contextRef="c-52" decimals="-6" sign="-" name="us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" format="ixt:num-dot-decimal" scale="6" id="f-1987">30</ix:nonFraction>&#160;million.</span></div></ix:nonNumeric><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bifurcated Option Note Unit SecuritiES</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">SM</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (&#8220;BONUSES units&#8221;) included in the preceding table were issued by the Company on November 4, 2002 at a public offering price of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-406" decimals="2" name="us-gaap:ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1" scale="0" id="f-1988">50.00</ix:nonFraction> per share. Each of the <ix:nonFraction unitRef="shares" contextRef="c-406" decimals="0" name="us-gaap:ClassOfWarrantOrRightOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-1989">5,500,000</ix:nonFraction> BONUSES units offered consisted of a capital security issued by New York Community Capital Trust V, a trust formed by the Company, and a warrant to purchase <ix:nonFraction unitRef="shares" contextRef="c-407" decimals="4" name="us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" scale="0" id="f-1990">2.4953</ix:nonFraction> shares of the common stock of the Company (for a total of approximately <ix:nonFraction unitRef="shares" contextRef="c-407" decimals="0" name="us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" format="ixt:num-dot-decimal" scale="6" id="f-1991">14</ix:nonFraction>&#160;million common shares) at an effective exercise price of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-407" decimals="2" name="us-gaap:ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1" scale="0" id="f-1992">20.04</ix:nonFraction> per share. Each capital security has a maturity of <ix:nonNumeric contextRef="c-407" name="us-gaap:WarrantsAndRightsOutstandingTerm" format="ixt-sec:duryear" id="f-1993">49</ix:nonNumeric> years, with a coupon, or distribution rate, of <ix:nonFraction unitRef="number" contextRef="c-407" decimals="3" name="fbc:WarrantOrRightCouponRate" format="ixt:num-dot-decimal" id="f-1994">6.00</ix:nonFraction> percent on the $<ix:nonFraction unitRef="usdPerShare" contextRef="c-407" decimals="2" name="us-gaap:FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare" scale="0" id="f-1995">50.00</ix:nonFraction> per share liquidation amount. The warrants and capital securities were non-callable for <ix:nonNumeric contextRef="c-408" name="fbc:WarrantsAndRightsOutstandingNoncallableTerm" format="ixt-sec:durwordsen" id="f-1996">five years</ix:nonNumeric> from the date of issuance and were not called by the Company when the <ix:nonNumeric contextRef="c-409" name="fbc:WarrantsAndRightsOutstandingNoncallableTerm" format="ixt-sec:durwordsen" id="f-1997">five-year</ix:nonNumeric> period passed on November 4, 2007.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The gross proceeds of the BONUSES units totaled $<ix:nonFraction unitRef="usd" contextRef="c-410" decimals="-6" name="us-gaap:WarrantsAndRightsOutstanding" format="ixt:num-dot-decimal" scale="6" id="f-1998">275</ix:nonFraction>&#160;million and were allocated between the capital security and the warrant comprising such units in proportion to their relative values at the time of issuance. The value assigned to the warrants, $<ix:nonFraction unitRef="usd" contextRef="c-19" decimals="-5" name="us-gaap:AdjustmentsToAdditionalPaidInCapitalWarrantIssued" format="ixt:num-dot-decimal" scale="6" id="f-1999">92.4</ix:nonFraction>&#160;million, was recorded as a component of additional &#8220;paid-in capital&#8221; in the Company&#8217;s Consolidated Statements of Condition. The value assigned to the capital security component was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-5" name="us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares" format="ixt:num-dot-decimal" scale="6" id="f-2000">182.6</ix:nonFraction>&#160;million. The $<ix:nonFraction unitRef="usd" contextRef="c-393" decimals="-5" name="us-gaap:DebtInstrumentUnamortizedDiscount" format="ixt:num-dot-decimal" scale="6" id="f-2001">92.4</ix:nonFraction>&#160;million difference between the assigned value and the stated liquidation amount of the capital securities was treated as an original issue discount, and is being amortized to interest expense over the <ix:nonNumeric contextRef="c-1" name="fbc:FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" format="ixt-sec:durwordsen" id="f-2002">49-year</ix:nonNumeric> life of the capital securities on a level-yield basis. At </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, this discount totaled $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DebtInstrumentUnamortizedDiscount" format="ixt:num-dot-decimal" scale="6" id="f-2003">64</ix:nonFraction>&#160;million.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The other remaining trust preferred securities noted in the preceding table were formed for the purpose of issuing Company Obligated Mandatorily Redeemable Capital Securities of Subsidiary Trusts Holding Solely Junior Subordinated Debentures (collectively, the &#8220;Capital Securities&#8221;). Dividends on the Capital Securities are payable either quarterly or semi-annually and are deferrable, at the Company&#8217;s option, for up to <ix:nonNumeric contextRef="c-1" name="fbc:JuniorSubordinatedDebenturesDividendsTerm" format="ixt-sec:durwordsen" id="f-2004">five years</ix:nonNumeric>. As of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, all dividends were current.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest expense on junior subordinated debentures was $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestExpenseJuniorSubordinatedDebentures" format="ixt:num-dot-decimal" scale="6" id="f-2005">48</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestExpenseJuniorSubordinatedDebentures" format="ixt:num-dot-decimal" scale="6" id="f-2006">22</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:InterestExpenseJuniorSubordinatedDebentures" format="ixt:num-dot-decimal" scale="6" id="f-2007">18</ix:nonFraction>&#160;million, respectively, for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, 2022, and 2021. </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">118</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-1875-4" continuedAt="f-1875-5"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Subordinated Notes</span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-1945-1" continuedAt="f-1945-2"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the Company had a total of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:SubordinatedDebt" format="ixt:num-dot-decimal" scale="6" id="f-2008">438</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:SubordinatedDebt" format="ixt:num-dot-decimal" scale="6" id="f-2009">432</ix:nonFraction>&#160;million subordinated notes outstanding; respectively, of fixed-to-floating rate subordinated notes outstanding:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:33.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.427%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.209%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Date of Original Issue</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stated Maturity</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Original Issue Amount</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 6, 2018</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 6, 2028 (1)</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-411" decimals="5" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="-2" id="f-2010">5.900</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-411" decimals="-6" name="us-gaap:DebtInstrumentFaceAmount" scale="6" id="f-2011">300</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 28, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 1, 2030 (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-412" decimals="5" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" scale="-2" id="f-2012">4.125</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-413" decimals="-6" name="us-gaap:DebtInstrumentFaceAmount" scale="6" id="f-2013">150</ix:nonFraction></span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">From and including the date of original issuance to, but excluding November 6, 2023, the Notes will bear interest at an initial rate of <ix:nonFraction unitRef="number" contextRef="c-411" decimals="5" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="f-2014">5.90</ix:nonFraction> percent per annum payable semi-annually. Unless redeemed, from and including November 6, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023 to but excluding the maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then-current three-month SOFR rate plus <ix:nonFraction unitRef="number" contextRef="c-414" decimals="INF" name="us-gaap:DebtInstrumentBasisSpreadOnVariableRate1" scale="-4" id="f-2015">304.16</ix:nonFraction> b</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">asis points payable quarterly. </span></div></ix:continuation></ix:continuation><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><ix:continuation id="f-1945-2" continuedAt="f-1945-3"><ix:continuation id="f-1875-5" continuedAt="f-1875-6"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></ix:continuation></ix:continuation><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"><ix:continuation id="f-1945-3"><ix:continuation id="f-1875-6">From and including the date of original issuance, the Notes will bear interest at a fixed rate of <ix:nonFraction unitRef="number" contextRef="c-412" decimals="4" name="us-gaap:DebtInstrumentInterestRateStatedPercentage" format="ixt:num-dot-decimal" scale="-2" id="f-2016">4.13</ix:nonFraction> percent through October 31, 2025, and a variable rate tied to SOFR thereafter until maturity. The Company has the option to redeem all or a part of the Notes beginning on November 1, 2025, and on any subsequent interest payment date.</ix:continuation></ix:continuation> </span></div><div style="text-align:justify"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_4947802327577"></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 13 - <ix:nonNumeric contextRef="c-1" name="us-gaap:IncomeTaxDisclosureTextBlock" id="f-2017" continuedAt="f-2017-1" escape="true">Federal, State, and Local Taxes</ix:nonNumeric></span></div><ix:continuation id="f-2017-1" continuedAt="f-2017-2"><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" id="f-2018" escape="true"><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the components of the Company&#8217;s net deferred tax asset (liability) at December&#160;31, 2023 and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.179%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.979%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.361%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.981%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred Tax Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses on loans and leases</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" scale="6" id="f-2019">253</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" scale="6" id="f-2020">102</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on securities (including OTTI)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" scale="6" id="f-2021">188</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" scale="6" id="f-2022">227</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" format="ixt:fixed-zero" scale="6" id="f-2023">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" scale="6" id="f-2024">36</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capitalized loan costs</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="c-7" xsi:nil="true" name="fbc:DeferredTaxAssetsCapitalizedLoanCosts" id="f-2025"></ix:nonFraction></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxAssetsCapitalizedLoanCosts" scale="6" id="f-2026">46</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Right of Use Liability</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxAssetsRightOfUseLiability" scale="6" id="f-2027">32</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxAssetsRightOfUseLiability" format="ixt:fixed-zero" scale="6" id="f-2028">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Compensation and related benefit obligations</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" scale="6" id="f-2029">30</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" scale="6" id="f-2030">23</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capitalized research and development costs</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" format="ixt:fixed-zero" scale="6" id="f-2031">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" scale="6" id="f-2032">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued Expenses</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxAssetsAccruedExpenses" scale="6" id="f-2033">19</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxAssetsAccruedExpenses" format="ixt:fixed-zero" scale="6" id="f-2034">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net operating loss carryforwards</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxAssetsOperatingLossCarryforwards" scale="6" id="f-2035">8</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsOperatingLossCarryforwards" scale="6" id="f-2036">15</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxAssetsOther" scale="6" id="f-2037">22</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsOther" scale="6" id="f-2038">18</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross deferred tax assets</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxAssetsGross" scale="6" id="f-2039">552</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsGross" scale="6" id="f-2040">477</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Valuation allowance</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxAssetsValuationAllowance" scale="6" id="f-2041">5</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsValuationAllowance" scale="6" id="f-2042">5</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net deferred tax asset after valuation allowance</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" scale="6" id="f-2043">547</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsLiabilitiesNet" scale="6" id="f-2044">472</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred Tax Liabilities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leases</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesLeasingArrangements" scale="6" id="f-2045">492</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesLeasingArrangements" scale="6" id="f-2046">328</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesMortgageServicingRights" scale="6" id="f-2047">79</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesMortgageServicingRights" scale="6" id="f-2048">105</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premises and equipment</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment" scale="6" id="f-2049">44</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment" scale="6" id="f-2050">18</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prepaid pension cost</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesPrepaidExpenses" scale="6" id="f-2051">35</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesPrepaidExpenses" scale="6" id="f-2052">29</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value adjustments on loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" scale="6" id="f-2053">210</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" format="ixt:fixed-zero" scale="6" id="f-2054">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortizable intangibles</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets" scale="6" id="f-2055">127</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets" scale="6" id="f-2056">71</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" scale="6" id="f-2057">2</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" scale="6" id="f-2058">9</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Right of Use Asset</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxLiabilitiesRightOfUseAsset" scale="6" id="f-2059">32</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxLiabilitiesRightOfUseAsset" format="ixt:fixed-zero" scale="6" id="f-2060">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred Loan fees</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxLiabilitiesDeferredLoanFees" scale="6" id="f-2061">13</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxLiabilitiesDeferredLoanFees" format="ixt:fixed-zero" scale="6" id="f-2062">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on debt</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" scale="6" id="f-2063">9</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" scale="6" id="f-2064">10</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesOther" scale="6" id="f-2065">21</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxLiabilitiesOther" scale="6" id="f-2066">9</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross deferred tax liabilities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredIncomeTaxLiabilities" format="ixt:num-dot-decimal" scale="6" id="f-2067">1,064</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredIncomeTaxLiabilities" scale="6" id="f-2068">579</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net deferred tax liability</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-3" name="us-gaap:DeferredTaxLiabilities" scale="6" id="f-2069">517</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-3" name="us-gaap:DeferredTaxLiabilities" scale="6" id="f-2070">107</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The deferred tax liability represents the anticipated federal, state, and local tax expenses or benefits that are expected to be realized in future years upon the utilization of the underlying tax attributes comprising said balances. The net deferred tax liability is included in &#8220;Other liabilities&#8221; in the Consolidated Statements of Condition at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">119</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2017-2" continuedAt="f-2017-3"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates the need for a deferred tax asset valuation allowances based on a more likely than not standard. The Company&#8217;s evaluation is based on its history of reporting positive taxable income in all relevant tax jurisdictions, the length of time available to utilize the net operating loss carryforwards, and the recognition of taxable income in future periods from taxable temporary differences.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022,</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> the Company had a state deferred tax asset for net operating losses (&#8220;NOL&#8221;) of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxAssetsOperatingLossCarryforwards" format="ixt:num-dot-decimal" scale="6" id="f-2071">8</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsOperatingLossCarryforwards" format="ixt:num-dot-decimal" scale="6" id="f-2072">15</ix:nonFraction>&#160;million, </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">respectively</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (net of federal tax impact) which includes total state net operating loss carryforwards o</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">f $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal" format="ixt:num-dot-decimal" scale="6" id="f-2073">185</ix:nonFraction>&#160;million at December&#160;31, 2023, that e</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">xpire if unused in calendar years through 2033. In connection with our ongoing assessment of deferred taxes, we analyzed each state net operating loss separately, determined the amount of net operating loss available and estimated the amount which we expected to expire unused. Based on that assessment, we recorded a valuation allowance of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxAssetsValuationAllowance" format="ixt:num-dot-decimal" scale="6" id="f-2074"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:DeferredTaxAssetsValuationAllowance" format="ixt:num-dot-decimal" scale="6" id="f-2075">5</ix:nonFraction></ix:nonFraction>&#160;million at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022 to reduce the DTA to the amount which is more likely than not to be realized. </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" id="f-2076" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s income tax expense for the years ended December&#160;31, 2023</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:65.844%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.327%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.327%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.902%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal &#8211; current</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:CurrentFederalTaxExpenseBenefit" scale="6" id="f-2077">156</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:CurrentFederalTaxExpenseBenefit" scale="6" id="f-2078">147</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:CurrentFederalTaxExpenseBenefit" scale="6" id="f-2079">188</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State and local &#8211; current</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:CurrentStateAndLocalTaxExpenseBenefit" scale="6" id="f-2080">59</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:CurrentStateAndLocalTaxExpenseBenefit" scale="6" id="f-2081">32</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:CurrentStateAndLocalTaxExpenseBenefit" scale="6" id="f-2082">35</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total current</span></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:CurrentFederalStateAndLocalTaxExpenseBenefit" scale="6" id="f-2083">215</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:CurrentFederalStateAndLocalTaxExpenseBenefit" scale="6" id="f-2084">179</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:CurrentFederalStateAndLocalTaxExpenseBenefit" scale="6" id="f-2085">223</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal &#8211; deferred</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:DeferredFederalIncomeTaxExpenseBenefit" scale="6" id="f-2086">137</ix:nonFraction>)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:DeferredFederalIncomeTaxExpenseBenefit" scale="6" id="f-2087">10</ix:nonFraction>)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:DeferredFederalIncomeTaxExpenseBenefit" scale="6" id="f-2088">28</ix:nonFraction>)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State and local &#8211; deferred</span></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit" scale="6" id="f-2089">49</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit" scale="6" id="f-2090">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit" scale="6" id="f-2091">15</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total deferred</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:DeferredFederalStateAndLocalTaxExpenseBenefit" scale="6" id="f-2092">186</ix:nonFraction>)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:DeferredFederalStateAndLocalTaxExpenseBenefit" scale="6" id="f-2093">3</ix:nonFraction>)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:DeferredFederalStateAndLocalTaxExpenseBenefit" scale="6" id="f-2094">13</ix:nonFraction>)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense reported in net income</span></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-2095">29</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-2096">176</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-2097">210</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense reported in stockholders&#8217; equity related to:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities available-for-sale</span></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" scale="6" id="f-2098">15</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" scale="6" id="f-2099">223</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" scale="6" id="f-2100">42</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pension liability adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" scale="6" id="f-2101">6</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" scale="6" id="f-2102">6</ix:nonFraction>)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" scale="6" id="f-2103">10</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash flow hedge</span></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent" scale="6" id="f-2104">14</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent" scale="6" id="f-2105">23</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent" scale="6" id="f-2106">9</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income taxes</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:ComprehensiveIncomeLossTaxParent" scale="6" id="f-2107">36</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="fbc:ComprehensiveIncomeLossTaxParent" scale="6" id="f-2108">30</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:ComprehensiveIncomeLossTaxParent" scale="6" id="f-2109">187</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div></ix:nonNumeric><div><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" id="f-2110" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents a reconciliation of statutory federal income tax expense (benefit) to combined actual income tax expense (benefit) reported in net income for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">:</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:55.705%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.094%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.930%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Statutory federal income tax at 21%</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" scale="6" id="f-2111">10</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" scale="6" id="f-2112">174</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" scale="6" id="f-2113">169</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State and local income taxes, net of federal income tax effect</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes" scale="6" id="f-2114">8</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes" scale="6" id="f-2115">31</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes" scale="6" id="f-2116">40</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax Exempt income</span></div></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncomeTaxReconciliationTaxExemptIncome" scale="6" id="f-2117">6</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeTaxReconciliationTaxExemptIncome" format="ixt:fixed-zero" scale="6" id="f-2118">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeTaxReconciliationTaxExemptIncome" format="ixt:fixed-zero" scale="6" id="f-2119">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-taxable bargain gain</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" scale="6" id="f-2120">447</ix:nonFraction>)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="fbc:EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" scale="6" id="f-2121">33</ix:nonFraction>)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" format="ixt:fixed-zero" scale="6" id="f-2122">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible goodwill impairment</span></div></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses" scale="6" id="f-2123">509</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses" format="ixt:fixed-zero" scale="6" id="f-2124">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses" format="ixt:fixed-zero" scale="6" id="f-2125">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible FDIC deposit insurance premiums</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" scale="6" id="f-2126">16</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" scale="6" id="f-2127">10</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" scale="6" id="f-2128">9</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effect of tax deductibility of deferred compensation</span></div></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" scale="6" id="f-2129">3</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" scale="6" id="f-2130">3</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" scale="6" id="f-2131">3</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-taxable income and expense of BOLI</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" scale="6" id="f-2132">9</ix:nonFraction>)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" scale="6" id="f-2133">7</ix:nonFraction>)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" scale="6" id="f-2134">6</ix:nonFraction>)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible merger expenses</span></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="fbc:EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" format="ixt:fixed-zero" scale="6" id="f-2135">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" scale="6" id="f-2136">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" scale="6" id="f-2137">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible compensation expense</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" scale="6" id="f-2138">1</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="fbc:EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" scale="6" id="f-2139">4</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="fbc:EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" format="ixt:fixed-zero" scale="6" id="f-2140">&#8212;</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal tax credits</span></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncomeTaxReconciliationTaxCredits" scale="6" id="f-2141">31</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeTaxReconciliationTaxCredits" scale="6" id="f-2142">1</ix:nonFraction>)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"/><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeTaxReconciliationTaxCredits" format="ixt:fixed-zero" scale="6" id="f-2143">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustments relating to prior tax years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes" scale="6" id="f-2144">2</ix:nonFraction>&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes" scale="6" id="f-2145">1</ix:nonFraction>)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes" scale="6" id="f-2146">1</ix:nonFraction>)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:IncomeTaxReconciliationOtherAdjustments" scale="6" id="f-2147">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" sign="-" name="us-gaap:IncomeTaxReconciliationOtherAdjustments" scale="6" id="f-2148">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" sign="-" name="us-gaap:IncomeTaxReconciliationOtherAdjustments" scale="6" id="f-2149">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income tax expense</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-2150">29</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-2151">176</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-2152">210</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company invests in affordable housing projects through limited partnerships that generate federal Low Income Housing Tax Credits. The balances of these investments, which are included in &#8220;Other assets&#8221; in the Consolidated Statements of Condition, were </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments" format="ixt:num-dot-decimal" scale="6" id="f-2153">372</ix:nonFraction>&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments" format="ixt:num-dot-decimal" scale="6" id="f-2154">304</ix:nonFraction>&#160;million, respectively, at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022, and included commitments of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AffordableHousingProgramObligation" format="ixt:num-dot-decimal" scale="6" id="f-2155">210</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:AffordableHousingProgramObligation" format="ixt:num-dot-decimal" scale="6" id="f-2156">183</ix:nonFraction>&#160;million that are expected to be funded over the next <ix:nonNumeric contextRef="c-1" name="fbc:AffordableHousingProgramObligationPeriod" format="ixt-sec:duryear" id="f-2157">5</ix:nonNumeric> years. The Company elected to apply the proportional amortization method to these investments. Recognized in the determination of income tax (benefit) expense from operations for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, 2022, and 2021 were </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" format="ixt:num-dot-decimal" scale="6" id="f-2158">34</ix:nonFraction>&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" format="ixt:num-dot-decimal" scale="6" id="f-2159">11</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" format="ixt:num-dot-decimal" scale="6" id="f-2160">9</ix:nonFraction>&#160;million, respectively, </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">120</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2017-3" continuedAt="f-2017-4"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">of affordable housing tax credits and other tax benefits, and an offsetting $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" format="ixt:num-dot-decimal" scale="6" id="f-2161">30</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" format="ixt:num-dot-decimal" scale="6" id="f-2162">10</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" format="ixt:num-dot-decimal" scale="6" id="f-2163">9</ix:nonFraction>&#160;million, respectively, for the amortization of the related investments. <ix:nonFraction unitRef="usd" contextRef="c-1" decimals="INF" name="us-gaap:AffordableHousingProjectInvestmentWriteDownAmount" format="ixt-sec:numwordsen" id="f-2164"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="INF" name="us-gaap:AffordableHousingProjectInvestmentWriteDownAmount" format="ixt-sec:numwordsen" id="f-2165"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="INF" name="us-gaap:AffordableHousingProjectInvestmentWriteDownAmount" format="ixt-sec:numwordsen" id="f-2166">No</ix:nonFraction></ix:nonFraction></ix:nonFraction> impairment losses were recognized in relation to these investments for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, 2022, and 2021.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> GAAP prescribes a recognition threshold and measurement attribute for use in connection with the obligation of a company to recognize, measure, present, and disclose in its financial statements uncertain tax positions that the Company has taken or expects to take on a tax return. As of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022, the Company had </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="6" id="f-2167">42</ix:nonFraction>&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" format="ixt:num-dot-decimal" scale="6" id="f-2168">40</ix:nonFraction>&#160;million of unrecognized gross tax benefits, respectively. Gross tax benefits do not reflect the federal tax effect associated with state tax amounts. The total amount of net unrecognized tax benefits at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022 that would have affected the effective tax rate, if recognized, was </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" format="ixt:num-dot-decimal" scale="6" id="f-2169">34</ix:nonFraction>&#160;million a</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">nd $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" format="ixt:num-dot-decimal" scale="6" id="f-2170">32</ix:nonFraction>&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest and penalties (if any) related to the underpayment of income taxes are classified as a component of income tax expense in the Consolidated Statements of Income and Comprehensive Income. During the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, 2022, and 2021, the Company recognized income tax expense attributed to interest and penalties of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-2171">8</ix:nonFraction>&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-2172">4</ix:nonFraction>&#160;million, and $<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense" format="ixt:num-dot-decimal" scale="6" id="f-2173">4</ix:nonFraction>&#160;million, respectively. Accrued interest and penalties on tax liabilities were $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" format="ixt:num-dot-decimal" scale="6" id="f-2174">34</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" format="ixt:num-dot-decimal" scale="6" id="f-2175">26</ix:nonFraction>&#160;million, respectively, at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022. </span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:SummaryOfIncomeTaxContingenciesTextBlock" id="f-2176" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes changes in the liability for unrecognized gross tax benefits for the years ended December&#160;31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:65.288%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.733%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.733%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.736%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Uncertain tax positions at beginning of year</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="f-2177">40</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-28" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="f-2178">39</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-39" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="f-2179">38</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions for tax positions relating to current-year operations</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" scale="6" id="f-2180">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" scale="6" id="f-2181">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" scale="6" id="f-2182">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions for tax positions relating to prior tax years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" scale="6" id="f-2183">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" format="ixt:fixed-zero" scale="6" id="f-2184">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" scale="6" id="f-2185">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subtractions for tax positions relating to prior tax years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" scale="6" id="f-2186">1</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" format="ixt:fixed-zero" scale="6" id="f-2187">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-10" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" scale="6" id="f-2188">2</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Uncertain tax positions at end of year</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="f-2189">42</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="f-2190">40</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-28" decimals="-6" name="us-gaap:UnrecognizedTaxBenefits" scale="6" id="f-2191">39</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company and its subsidiaries have filed tax returns in many states. The following are the more significant tax filings that are open for examination: </span></div><div style="margin-top:6pt;padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Federal tax filings for tax years 2019 through the present;  </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New York State tax filings for tax years 2010 through the present; </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New York City tax filings for tax years 2011 through the present; and </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New Jersey tax filings for tax years 2018 through the present. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to other state audits, the Company is currently under examination by the following taxing jurisdictions of significance to the Company: </span></div><div style="margin-top:6pt;padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Federal 2019-2020</span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New York State for the tax years 2010 through 2016; and</span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New York City for the tax years 2011 and 2014. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It is reasonably possible that there will be developments within the next twelve months that would necessitate an adjustment to the balance of unrecognized tax benefits, including decreases of up to </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" format="ixt:num-dot-decimal" scale="6" id="f-2192">21</ix:nonFraction>&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> due to completion of tax authorities&#8217; exams and the expiration of statutes of limitations.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><ix:continuation id="f-2017-4" continuedAt="f-2017-5"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to a special federal tax provision regarding its frozen tax bad debt reserve. At </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, the Bank&#8217;s federal tax bad debt base-year reserve was </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:BadDebtReserveForTaxPurposesOfQualifiedLender" format="ixt:num-dot-decimal" scale="6" id="f-2193">62</ix:nonFraction>&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, with a related federal deferred tax liability of</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender" format="ixt:num-dot-decimal" scale="6" id="f-2194">13</ix:nonFraction>&#160;million</span></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-2017-5">, which has not been recognized since the Bank does not expect that this reserve will become taxable in the foreseeable future. Events that would result in taxation of this reserve include redemptions of the Bank&#8217;s stock or certain excess distributions by the Bank to the Company.</ix:continuation>  </span></div><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">121</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257923"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 14 - <ix:nonNumeric contextRef="c-1" name="us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" id="f-2195" continuedAt="f-2195-1" escape="true">Stock-Related Benefits Plans </ix:nonNumeric></span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-2195-1" continuedAt="f-2195-2"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Stock Based Compensation</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the Company had a total of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-7" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" format="ixt:num-dot-decimal" scale="0" id="f-2196">16,143,893</ix:nonFraction></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> shares available for grants as restricted stock, options, or other forms of related rights under the 2020 Incentive Plan, which includes the remaining shares available, converted at the merger conversion factor from the legacy Flagstar Bancorp, Inc. 2016 Stock Plan. The Company granted </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:nonFraction unitRef="shares" contextRef="c-415" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2197">9,995,495</ix:nonFraction></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> shares of restricted stock, with an average fair value of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-415" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2198">10.24</ix:nonFraction> per share on the date of grant, during the year ended December 31, 2023. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The shares of restricted stock that were granted during the year ended December 31, 2023 and 2022, vest over a <span style="-sec-ix-hidden:f-2199">one</span> to <ix:nonNumeric contextRef="c-417" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" format="ixt-sec:durwordsen" id="f-2200">five years</ix:nonNumeric> period. Compensation and benefits expense related to the RSAs grants is recognized on a straight-line basis over the vesting period and totaled $<ix:nonFraction unitRef="usd" contextRef="c-418" decimals="-6" name="us-gaap:AllocatedShareBasedCompensationExpense" format="ixt:num-dot-decimal" scale="6" id="f-2201">44</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-419" decimals="-6" name="us-gaap:AllocatedShareBasedCompensationExpense" format="ixt:num-dot-decimal" scale="6" id="f-2202">25</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-420" decimals="-6" name="us-gaap:AllocatedShareBasedCompensationExpense" format="ixt:num-dot-decimal" scale="6" id="f-2203">27</ix:nonFraction>&#160;million  for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> 2022 and 2021.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:NonvestedRestrictedStockSharesActivityTableTextBlock" id="f-2204" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a summary of activity with regard to restricted stock awards (RSAs): </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:66.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.012%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of Shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Grant Date Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unvested at beginning of year</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-421" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="f-2205">9,576,602</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-421" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="f-2206">10.92</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-415" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2207">9,995,495</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-415" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2208">10.24</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Vested</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="c-415" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2209">3,105,582</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-415" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2210">10.99</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Forfeited</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="c-415" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2211">1,292,574</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-415" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" scale="0" id="f-2212">10.62</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unvested at end of period</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-422" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="f-2213">15,173,941</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-422" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="f-2214">10.49</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, unrecognized compensation cost relating to unvested restricted stock totaled $<ix:nonFraction unitRef="usd" contextRef="c-422" decimals="-6" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" format="ixt:num-dot-decimal" scale="6" id="f-2215">119</ix:nonFraction>&#160;million. This amount will be recognized over a remaining weighted average period of <ix:nonNumeric contextRef="c-415" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" format="ixt-sec:duryear" id="f-2216">2.7</ix:nonNumeric> years.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock" id="f-2217" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a summary of activity with regard to Performance-Based Restricted Stock Units ("PSUs") in the year ended December 31, 2023:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:30.844%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.955%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.622%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.959%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number&#160;of<br/>Shares</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted<br/>Average<br/>Grant Date<br/>Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Performance<br/>Period</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected<br/>Vesting<br/>Date</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Outstanding at beginning of year</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-423" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="f-2218">794,984</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-423" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="f-2219">10.73</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-424" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2220">566,656</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-424" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2221">8.95</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Released</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="shares" contextRef="c-424" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" format="ixt:num-dot-decimal" scale="0" id="f-2222">143,352</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-424" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" scale="0" id="f-2223">10.34</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Forfeited</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-424" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" format="ixt:fixed-zero" scale="0" id="f-2224">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-424" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" format="ixt:fixed-zero" scale="0" id="f-2225">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Outstanding at end of period</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="shares" contextRef="c-425" decimals="0" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" format="ixt:num-dot-decimal" scale="0" id="f-2226">1,218,288</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usdPerShare" contextRef="c-425" decimals="2" name="us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" scale="0" id="f-2227">9.95</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2022 - December 31, 2025</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">March 31, 2023 - 2026</span></td></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">PSUs are subject to adjustment or forfeiture, based upon the achievement by the Company of certain performance standards.  Compensation and benefits expense related to PSUs is recognized using the fair value as of the date the units were approved, on a straight-line basis over the vesting period and totaled $<ix:nonFraction unitRef="usd" contextRef="c-424" decimals="-6" name="us-gaap:AllocatedShareBasedCompensationExpense" format="ixt:num-dot-decimal" scale="6" id="f-2228">4</ix:nonFraction>&#160;million, $<ix:nonFraction unitRef="usd" contextRef="c-426" decimals="-6" name="us-gaap:AllocatedShareBasedCompensationExpense" format="ixt:num-dot-decimal" scale="6" id="f-2229">3</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-427" decimals="-6" name="us-gaap:AllocatedShareBasedCompensationExpense" format="ixt:num-dot-decimal" scale="6" id="f-2230">5</ix:nonFraction>&#160;million for the </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">for the years ended December 31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> 2022 and 2021. As of December&#160;31, 2023, unrecognized compensation cost relating to unvested restricted stock totaled $<ix:nonFraction unitRef="usd" contextRef="c-425" decimals="-6" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" format="ixt:num-dot-decimal" scale="6" id="f-2231">5</ix:nonFraction>&#160;million. This amount will be recognized over a remaining weighted average period of <ix:nonNumeric contextRef="c-424" name="us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" format="ixt-sec:duryear" id="f-2232">1.53</ix:nonNumeric> years. As of December&#160;31, 2023, the Company believes it is probable that the performance conditions will be met. </span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-2195-2">Forfeitures of RSAs and PSUs are accounted for as they occur.</ix:continuation>  </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257931"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 15 - <ix:nonNumeric contextRef="c-1" name="us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" id="f-2233" continuedAt="f-2233-1" escape="true">Derivative and Hedging Activities</ix:nonNumeric></span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-2233-1" continuedAt="f-2233-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposure to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate and liquidity risks, primarily by managing the amount, sources, and duration of its assets and liabilities and, the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the payment of future known and uncertain cash amounts, the value of which are determined by interest rates. </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">122</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-2233-2" continuedAt="f-2233-3"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Derivative financial instruments are recorded at fair value in other assets and other liabilities on the Consolidated Statements of Condition. The Company's policy is to present our derivative assets and derivative liabilities on the Consolidated Statement of Condition on a gross basis, even when provisions allowing for set-off are in place. However, for derivative contracts cleared through certain central clearing parties, variation margin payments are recognized as settlements. We are exposed to non-performance risk by the counterparties to our various derivative financial instruments. A majority of our derivatives are centrally cleared through a Central Counterparty Clearing House or consist of residential mortgage interest rate lock commitments further limiting our exposure to non-performance risk. We believe that the non-performance risk inherent in our remaining derivative contracts is minimal based on credit standards and the collateral provisions of the derivative agreements.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives not designated as hedging instruments.</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Company maintains a derivative portfolio of interest rate swaps, foreign currency swaps, futures, swaptions and forward commitments used to manage exposure to changes in interest rates and MSR asset values and to meet the needs of customers. The Company also enters into interest rate lock commitments, which are commitments to originate mortgage loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. Market risk on interest rate lock commitments and mortgage LHFS is managed using corresponding forward sale commitments and US Treasury futures. Changes in the fair value of derivatives not designated as hedging instruments are recognized on the Consolidated Statements of Income and Comprehensive Income.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives designated as hedging instruments</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The Company has designated certain interest rate swaps as cash flow hedges on overnight SOFR-based variable interest payments on federal home loan bank advances. Changes in the fair value of derivatives designated as cash flow hedges are recorded in other comprehensive income on the Consolidated Statements of Condition and reclassified into interest expense in the same period in which the hedged transaction is recognized in earnings. At December&#160;31, 2023, the Company had</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax" format="ixt:num-dot-decimal" scale="6" id="f-2234">10</ix:nonFraction>&#160;million (net-of-tax) of unrealized gains on derivatives classified as cash flow hedges recorded in accumulated other comprehensive loss. </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax" format="ixt:num-dot-decimal" scale="6" id="f-2235">52</ix:nonFraction>&#160;million (</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">net-of-tax) of unrealized gains on derivatives classified as cash flow hedges recorded in accumulated other comprehensive loss at December&#160;31, 2022.</span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Derivatives that are designated in hedging relationships are assessed for effectiveness using regression analysis at inception and qualitatively thereafter, unless regression analysis is deemed necessary. All designated hedge relationships were, and are expected to be, highly effective as of December&#160;31, 2023.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair Value of Hedges of Interest Rate Risk</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is exposed to changes in the fair value of certain of its fixed-rate assets due to changes in interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. Interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount. Such derivatives were used to hedge the changes in fair value of certain of its pools of prepayable fixed rate assets. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has interest rate swaps with a notional amounts of $<ix:nonFraction unitRef="usd" contextRef="c-428" decimals="-8" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="9" id="f-2236">2.0</ix:nonFraction>&#160;billion to hedge certain multi-family loans using the portfolio layer method. For the year ended December&#160;31, 2023, the floating rate received related to the net settlement of these interest rate swaps was greater than the fixed rate payments. As such, interest income from loans and leases in the accompanying Consolidated Statements of Income and Comprehensive Income was increased by $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:InterestAndFeeIncomeLoansAndLeasesHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-2237">24</ix:nonFraction>&#160;million for the year ended December&#160;31, 2023 and decreased by $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:InterestAndFeeIncomeLoansAndLeasesHeldForSale" format="ixt:num-dot-decimal" scale="6" id="f-2238">6</ix:nonFraction>&#160;million for the year ended  December&#160;31, 2022, respectively. </span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value basis adjustment on our hedged real estate loans is included in loans and leases held for investment on our Consolidated Statements of Condition. The carrying amount of our hedged loans was $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:DerivativeAmountOfHedgedItem" format="ixt:num-dot-decimal" scale="9" id="f-2239">6.1</ix:nonFraction>&#160;billion at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, of which unrealized gains of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" format="ixt:num-dot-decimal" scale="6" id="f-2240">9</ix:nonFraction>&#160;million were due to the fair value hedge relationship. We have designated $<ix:nonFraction unitRef="usd" contextRef="c-428" decimals="-8" name="us-gaap:DerivativeAmountOfHedgedItem" format="ixt:num-dot-decimal" scale="9" id="f-2241">2.0</ix:nonFraction>&#160;billion of this portfolio of loans in a hedging relationship as of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">123</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfDerivativeInstrumentsTextBlock" id="f-2242" escape="true"><ix:continuation id="f-2233-3" continuedAt="f-2233-4"><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables set forth information regarding the Company&#8217;s derivative financial instruments:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:52.701%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.034%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.110%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.454%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Notional Amount</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expiration Dates</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated as cash flow hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-429" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2243">5,500</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-430" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2244">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-431" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2245">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025-2028</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-432" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2246">5,500</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-433" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2247">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-434" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2248">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated as fair value hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on multi-family loans held for investment</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-435" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2249">2,000</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-436" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2250">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-437" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2251">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025-2027</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-438" decimals="-6" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2252">1,012</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-438" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2253">11</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-439" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="6" id="f-2254">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-440" decimals="-6" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2255">1,490</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-440" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2256">12</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-441" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="6" id="f-2257">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-442" decimals="-6" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2258">5,431</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-442" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2259">115</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-443" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="6" id="f-2260">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024-2041</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-444" decimals="-6" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2261">7,933</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-444" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2262">138</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-445" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="6" id="f-2263">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-446" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2264">2,235</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-447" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2265">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-446" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2266">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-439" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2267">1,048</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-438" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2268">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-439" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2269">32</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-441" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" scale="6" id="f-2270">77</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-440" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2271">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-441" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2272">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-443" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2273">2,720</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-442" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2274">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-443" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2275">59</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024-2054</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivatives not designated as hedging instruments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-445" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2276">6,080</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-444" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2277">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-445" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2278">95</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"><tr><td style="width:1.0%"/><td style="width:52.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.087%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.387%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.151%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.387%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.500%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.387%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.504%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Notional Amount</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expiration Date</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated as cash flow hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-448" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2279">3,750</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-449" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2280">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-450" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2281">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2027</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-451" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2282">3,750</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-452" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2283">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-453" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2284">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-454" decimals="-6" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2285">1,205</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-454" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2286">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-455" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="6" id="f-2287">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-456" decimals="-6" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2288">1,065</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-456" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2289">36</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-457" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="6" id="f-2290">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-458" decimals="-6" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2291">1,539</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-458" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2292">9</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-459" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="6" id="f-2293">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-460" decimals="-6" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2294">7,594</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-460" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2295">182</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-461" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="6" id="f-2296">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2032</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-462" decimals="-6" name="us-gaap:DerivativeAssetNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2297">11,403</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-462" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2298">229</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" format="ixt:fixed-zero" scale="6" id="f-2299">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-457" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" scale="6" id="f-2300">739</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-456" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2301">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-457" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2302">61</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-459" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" scale="6" id="f-2303">527</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-458" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2304">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-459" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2305">10</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-461" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2306">2,445</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-460" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2307">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-461" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2308">65</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2053</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivatives not designated as hedging instruments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-6" name="us-gaap:DerivativeLiabilityNotionalAmount" format="ixt:num-dot-decimal" scale="6" id="f-2309">3,711</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-462" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" format="ixt:fixed-zero" scale="6" id="f-2310">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-463" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2311">136</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr></table></div></ix:continuation></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">124</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2233-4" continuedAt="f-2233-5"><ix:nonNumeric contextRef="c-1" name="us-gaap:OffsettingAssetsTableTextBlock" id="f-2313" escape="true"><ix:nonNumeric contextRef="c-1" name="us-gaap:OffsettingLiabilitiesTableTextBlock" id="f-2312" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:30.427%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.377%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Not Offset in the Statements of Condition</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amount</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Netted in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Amount Presented in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Collateral Pledged (Received)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances </span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2314">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2315">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2316">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" format="ixt:fixed-zero" scale="6" id="f-2317">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-464" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2318">75</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on multi-family loans held for investment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2319">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2320">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2321">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" format="ixt:fixed-zero" scale="6" id="f-2322">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-465" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2323">27</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2324">11</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" name="us-gaap:DerivativeAssetFairValueGrossLiability" format="ixt:fixed-zero" scale="6" id="f-2325">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2326">11</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" name="us-gaap:DerivativeCollateralObligationToReturnSecurities" format="ixt:fixed-zero" scale="6" id="f-2327">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" sign="-" name="us-gaap:DerivativeCollateralObligationToReturnCash" scale="6" id="f-2328">1</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaptions</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-467" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2329">115</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-467" decimals="-6" name="us-gaap:DerivativeAssetFairValueGrossLiability" format="ixt:fixed-zero" scale="6" id="f-2330">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-467" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2331">115</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-467" decimals="-6" name="us-gaap:DerivativeCollateralObligationToReturnSecurities" format="ixt:fixed-zero" scale="6" id="f-2332">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-467" decimals="-6" sign="-" name="us-gaap:DerivativeCollateralObligationToReturnCash" scale="6" id="f-2333">34</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative assets</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2334">126</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" name="us-gaap:DerivativeAssetFairValueGrossLiability" format="ixt:fixed-zero" scale="6" id="f-2335">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2336">126</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" name="us-gaap:DerivativeCollateralObligationToReturnSecurities" format="ixt:fixed-zero" scale="6" id="f-2337">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" sign="-" name="us-gaap:DerivativeCollateralObligationToReturnCash" scale="6" id="f-2338">35</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-469" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2339">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-469" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2340">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-469" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2341">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-469" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" format="ixt:fixed-zero" scale="6" id="f-2342">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-469" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2343">3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2344">32</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2345">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2346">32</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" format="ixt:fixed-zero" scale="6" id="f-2347">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-466" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2348">57</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-470" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2349">59</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-470" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2350">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-470" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2351">59</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-470" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" format="ixt:fixed-zero" scale="6" id="f-2352">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-470" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2353">42</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative liabilities</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2354">92</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2355">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2356">92</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" format="ixt:fixed-zero" scale="6" id="f-2357">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-468" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2358">102</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:30.427%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.761%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.377%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Not Offset in the Statements of Condition</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amount</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Netted in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Amount Presented in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Collateral Pledged (Received)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances </span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-471" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2359">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-471" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2360">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-471" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2361">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-471" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" scale="6" id="f-2362">4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-471" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2363">27</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2364">36</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" name="us-gaap:DerivativeAssetFairValueGrossLiability" format="ixt:fixed-zero" scale="6" id="f-2365">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2366">36</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" name="us-gaap:DerivativeCollateralObligationToReturnSecurities" format="ixt:fixed-zero" scale="6" id="f-2367">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" sign="-" name="us-gaap:DerivativeCollateralObligationToReturnCash" scale="6" id="f-2368">9</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-473" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2369">182</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-473" decimals="-6" name="us-gaap:DerivativeAssetFairValueGrossLiability" format="ixt:fixed-zero" scale="6" id="f-2370">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-473" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2371">182</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-473" decimals="-6" name="us-gaap:DerivativeCollateralObligationToReturnSecurities" format="ixt:fixed-zero" scale="6" id="f-2372">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-473" decimals="-6" sign="-" name="us-gaap:DerivativeCollateralObligationToReturnCash" scale="6" id="f-2373">36</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-474" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2374">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="c-474" xsi:nil="true" name="us-gaap:DerivativeAssetFairValueGrossLiability" id="f-2375"></ix:nonFraction></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-474" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2376">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="c-474" xsi:nil="true" name="us-gaap:DerivativeCollateralObligationToReturnSecurities" id="f-2377"></ix:nonFraction></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-474" decimals="-6" name="us-gaap:DerivativeCollateralObligationToReturnCash" scale="6" id="f-2378">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative assets</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeAsset" scale="6" id="f-2379">220</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" name="us-gaap:DerivativeAssetFairValueGrossLiability" format="ixt:fixed-zero" scale="6" id="f-2380">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2381">220</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" name="us-gaap:DerivativeCollateralObligationToReturnSecurities" format="ixt:fixed-zero" scale="6" id="f-2382">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" sign="-" name="us-gaap:DerivativeCollateralObligationToReturnCash" scale="6" id="f-2383">44</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2384">61</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2385">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2386">61</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" format="ixt:fixed-zero" scale="6" id="f-2387">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-472" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2388">54</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-476" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2389">65</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-476" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2390">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-476" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2391">65</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-476" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" format="ixt:fixed-zero" scale="6" id="f-2392">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-476" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2393">29</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative liabilities</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" name="us-gaap:DerivativeFairValueOfDerivativeLiability" scale="6" id="f-2394">126</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" name="us-gaap:DerivativeLiabilityFairValueGrossAsset" format="ixt:fixed-zero" scale="6" id="f-2395">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2396">126</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimSecurities" format="ixt:fixed-zero" scale="6" id="f-2397">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-475" decimals="-6" name="us-gaap:DerivativeCollateralRightToReclaimCash" scale="6" id="f-2398">83</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.</span></div></ix:nonNumeric></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash Flow Hedges of Interest Rate Risk</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s objectives in using interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. Interest rate swaps designated as cash flow hedges involve the receipt of amounts subject to variability caused by changes in interest rates from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. Changes in the fair value of derivatives designated and that qualify as cash flow hedges are initially recorded in other comprehensive income and are subsequently reclassified into earnings in the period that the hedged transaction affects earnings.</span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">125</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2233-5"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" id="f-2399" escape="true"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rate swaps with notional amounts totaling $<ix:nonFraction unitRef="usd" contextRef="c-429" decimals="-8" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="9" id="f-2400">5.5</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-448" decimals="-8" name="us-gaap:DerivativeNotionalAmount" format="ixt:num-dot-decimal" scale="9" id="f-2401">3.8</ix:nonFraction>&#160;billion as of December&#160;31, 2023 and December&#160;31, 2022, were designated as cash flow hedges of certain FHLB borrowings.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the effect of the Company&#8217;s cash flow derivative instruments on AOCL:  </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:44.514%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.613%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.274%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.031%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount of gain (loss) recognized in AOCL</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-477" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" scale="6" id="f-2402">9</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-478" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" scale="6" id="f-2403">88</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-479" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" scale="6" id="f-2404">8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount of reclassified from AOCL to interest expense</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-477" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" scale="6" id="f-2405">65</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-478" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" scale="6" id="f-2406">4</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-479" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" scale="6" id="f-2407">25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Amounts reported in AOCL related to derivatives will be reclassified to interest expense as interest payments are made on the Company&#8217;s variable-rate borrowings. During the next twelve months, additional interest expense reduction of $<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" sign="-" name="us-gaap:InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" format="ixt:num-dot-decimal" scale="6" id="f-2408">98</ix:nonFraction>&#160;million is expected to be reclassified out of AOCL.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives not Designated as Hedging Instruments</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" id="f-2409" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the net gain (loss) recognized in income on derivatives not designated as hedging  instruments, net of the impact of offsetting positions:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:44.514%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.946%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.768%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Location of Gain (Loss)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-480" decimals="-6" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2410">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-481" decimals="-6" sign="-" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2411">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-482" decimals="-6" sign="-" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2412">34</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-483" decimals="-6" sign="-" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2413">11</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-484" decimals="-6" sign="-" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2414">15</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-485" decimals="-6" sign="-" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2415">4</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments and US Treasury futures</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on loan sales</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-486" decimals="-6" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2416">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-487" decimals="-6" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2417">28</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Forward commitments</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other noninterest income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-488" decimals="-6" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" format="ixt:fixed-zero" scale="6" id="f-2418">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-489" decimals="-6" sign="-" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2419">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other non-interest income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-490" decimals="-6" sign="-" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2420">1</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-491" decimals="-6" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" format="ixt:fixed-zero" scale="6" id="f-2421">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative (loss) gain</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" sign="-" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2422">47</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" scale="6" id="f-2423">11</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"> Includes customer-initiated commercial interest rate swaps.</span></div></ix:nonNumeric></ix:continuation><div style="text-align:justify"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257939"></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 16 - <ix:nonNumeric contextRef="c-1" name="us-gaap:IntangibleAssetsDisclosureTextBlock" id="f-2424" continuedAt="f-2424-1" escape="true">Intangible Assets</ix:nonNumeric></span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-2424-1" continuedAt="f-2424-2"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Goodwill</span></div><div style="text-align:justify;text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We record goodwill in our consolidated statements of condition in connection with certain of our business combinations. Goodwill, which is tested at least annually for impairment, refers to the difference between the purchase price and the fair value of an acquired company&#8217;s assets, net of the liabilities assumed. As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price. We evaluated those conditions known and knowable by the company and how a market participant would view the control premium as confirmed by the subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of the shortfall which was calculated to be in excess of the goodwill balance. The Company&#8217;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023. As a result, the Company recorded an impairment charge of the entire goodwill balance of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-8" name="us-gaap:GoodwillImpairmentLoss" format="ixt:num-dot-decimal" scale="9" id="f-2425">2.4</ix:nonFraction>&#160;billion.</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfGoodwillTextBlock" id="f-2426" escape="true"><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Goodwill and related changes in the carrying amount during the year ended December 31, 2023 are as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:86.326%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.474%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Carrying Amount</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December 31, 2022</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:Goodwill" format="ixt:num-dot-decimal" scale="6" id="f-2427">2,426</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Impairment</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:GoodwillImpairmentLoss" format="ixt:num-dot-decimal" scale="6" id="f-2428">2,426</ix:nonFraction>)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December 31, 2023</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:Goodwill" format="ixt:fixed-zero" scale="6" id="f-2429">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">126</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2424-2"><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Finite-lived Intangible Assets</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the Signature Transaction, the Company recorded</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $<ix:nonFraction unitRef="usd" contextRef="c-71" decimals="-6" name="us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles" format="ixt:num-dot-decimal" scale="6" id="f-2430">464</ix:nonFraction> million of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">core deposit intangible and other intangible assets that are amortizable.</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" id="f-2431" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, intangible assets consisted of the following:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:23.037%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.762%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.762%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.762%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.762%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.762%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.351%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.698%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Carrying Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated Amortization</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Carrying Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Carrying Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated Amortization</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Carrying Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Core deposit intangible</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-492" decimals="-6" name="us-gaap:IntangibleAssetsGrossExcludingGoodwill" scale="6" id="f-2432">700</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-492" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="6" id="f-2433">113</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-492" decimals="-6" name="us-gaap:IntangibleAssetsNetExcludingGoodwill" scale="6" id="f-2434">587</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-6" name="us-gaap:IntangibleAssetsGrossExcludingGoodwill" scale="6" id="f-2435">250</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="6" id="f-2436">4</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-493" decimals="-6" name="us-gaap:IntangibleAssetsNetExcludingGoodwill" scale="6" id="f-2437">246</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other intangible assets</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-6" name="us-gaap:IntangibleAssetsGrossExcludingGoodwill" scale="6" id="f-2438">56</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="6" id="f-2439">18</ix:nonFraction>)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-494" decimals="-6" name="us-gaap:IntangibleAssetsNetExcludingGoodwill" scale="6" id="f-2440">38</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-6" name="us-gaap:IntangibleAssetsGrossExcludingGoodwill" scale="6" id="f-2441">42</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="6" id="f-2442">1</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-495" decimals="-6" name="us-gaap:IntangibleAssetsNetExcludingGoodwill" scale="6" id="f-2443">41</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other intangible assets</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:IntangibleAssetsGrossExcludingGoodwill" scale="6" id="f-2444">756</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="6" id="f-2445">131</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:IntangibleAssetsNetExcludingGoodwill" scale="6" id="f-2446">625</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:IntangibleAssetsGrossExcludingGoodwill" scale="6" id="f-2447">292</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization" scale="6" id="f-2448">5</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:IntangibleAssetsNetExcludingGoodwill" scale="6" id="f-2449">287</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2023 the weighted average amortization period for core deposit intangible and other intangible assets is <ix:nonNumeric contextRef="c-496" name="us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" format="ixt-sec:duryear" id="f-2450">10</ix:nonNumeric> years and <ix:nonNumeric contextRef="c-497" name="us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" format="ixt-sec:duryear" id="f-2451">5.1</ix:nonNumeric> years, respectively.</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" id="f-2452" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated amortization expense of CDI and other intangible assets for the next five years is as follows:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:77.233%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.567%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization Expense</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" scale="6" id="f-2453">132</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" scale="6" id="f-2454">107</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" scale="6" id="f-2455">94</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" scale="6" id="f-2456">81</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" scale="6" id="f-2457">68</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FiniteLivedIntangibleAssetsNet" scale="6" id="f-2458">482</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_4947802327604"></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 17 - <ix:nonNumeric contextRef="c-1" name="us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" id="f-2459" continuedAt="f-2459-1" escape="true">Capital</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-2459-1" continuedAt="f-2459-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to regulation, examination, and supervision by the OCC and the Federal Reserve (the &#8220;Regulators&#8221;). The Bank is also governed by numerous federal and state laws and regulations, including the FDIC Improvement Act of 1991, which established five categories of capital adequacy ranging from &#8220;well capitalized&#8221; to &#8220;critically undercapitalized.&#8221; Such classifications are used by the FDIC to determine various matters, including prompt corrective action and each institution&#8217;s FDIC deposit insurance premium assessments. Capital amounts and classifications are also subject to the Regulators&#8217; qualitative judgments about the components of capital and risk weightings, among other factors. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The quantitative measures established to ensure capital adequacy require that banks maintain minimum amounts and ratios of leverage capital to average assets and of common equity tier 1 capital, tier 1 capital, and total capital to risk-weighted assets (as such measures are defined in the regulations).  At December&#160;31, 2023, our capital measures continued to exceed the minimum federal requirements for a bank holding company and for a bank. The following tables sets forth our common equity tier 1, tier 1 risk-based, total risk-based, and leverage capital amounts and ratios on a consolidated basis and for the Bank on a stand-alone basis, as well as the respective minimum regulatory capital requirements, at that date:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" id="f-2460" continuedAt="f-2460-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the actual capital amounts and ratios for the Company: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.976%"><tr><td style="width:1.0%"/><td style="width:30.362%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.390%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.390%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.728%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.390%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.762%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.736%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Risk-Based Capital</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2023</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common Equity Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leverage Capital</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:CommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-2461">8,009</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:CommonEquityTierOneCapitalRatio" scale="-2" id="f-2462">9.05</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:TierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-2463">8,512</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-2464">9.62</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:Capital" format="ixt:num-dot-decimal" scale="6" id="f-2465">10,415</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:CapitalToRiskWeightedAssets" scale="-2" id="f-2466">11.77</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="4" name="us-gaap:TierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-2467">8,512</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:TierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2468">7.75</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2469">3,983</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum" scale="-2" id="f-2470">4.50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2471">5,310</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" scale="-2" id="f-2472">6.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:CapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2473">7,081</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" scale="-2" id="f-2474">8.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2475">4,392</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" scale="-2" id="f-2476">4.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" format="ixt:num-dot-decimal" scale="6" id="f-2477">4,026</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" scale="-2" id="f-2478">4.55</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:ExcessTierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-2479">3,202</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:ExcessTierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2480">3.62</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:ExcessCapital" format="ixt:num-dot-decimal" scale="6" id="f-2481">3,334</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="us-gaap:ExcessCapitalToRiskWeightedAssets" scale="-2" id="f-2482">3.77</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:ExcessTierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-2483">4,120</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-498" decimals="4" name="fbc:BankingRegulationTier1LeverageCapitalExcessRatio" scale="-2" id="f-2484">3.75</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:CommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-2485">6,335</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:CommonEquityTierOneCapitalRatio" scale="-2" id="f-2486">9.06</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:TierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-2487">6,838</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-2488">9.78</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:Capital" format="ixt:num-dot-decimal" scale="6" id="f-2489">8,154</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:CapitalToRiskWeightedAssets" scale="-2" id="f-2490">11.66</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="4" name="us-gaap:TierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-2491">6,838</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:TierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2492">9.70</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2493">3,146</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum" scale="-2" id="f-2494">4.50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2495">4,195</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" scale="-2" id="f-2496">6.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:CapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2497">5,593</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" scale="-2" id="f-2498">8.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="4" name="us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2499">2,819</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" scale="-2" id="f-2500">4.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" format="ixt:num-dot-decimal" scale="6" id="f-2501">3,189</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" scale="-2" id="f-2502">4.56</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:ExcessTierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-2503">2,643</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:ExcessTierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2504">3.78</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:ExcessCapital" format="ixt:num-dot-decimal" scale="6" id="f-2505">2,561</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="us-gaap:ExcessCapitalToRiskWeightedAssets" scale="-2" id="f-2506">3.66</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:ExcessTierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-2507">4,019</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-499" decimals="4" name="fbc:BankingRegulationTier1LeverageCapitalExcessRatio" scale="-2" id="f-2508">5.70</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">127</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-2459-2"><ix:continuation id="f-2460-1"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the actual capital amounts and ratios for the Bank: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%"><tr><td style="width:1.0%"/><td style="width:28.164%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.723%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.694%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.388%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.723%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.694%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.388%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.723%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.105%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.388%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.752%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.758%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Risk-Based Capital</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2023</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common Equity Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leverage Capital</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:CommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-2509">9,305</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:CommonEquityTierOneCapitalRatio" scale="-2" id="f-2510">10.52</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:TierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-2511">9,305</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-2512">10.52</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:Capital" format="ixt:num-dot-decimal" scale="6" id="f-2513">10,271</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:CapitalToRiskWeightedAssets" scale="-2" id="f-2514">11.61</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="4" name="us-gaap:TierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-2515">9,305</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:TierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2516">8.48</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2517">3,980</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum" scale="-2" id="f-2518">4.50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2519">5,307</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" scale="-2" id="f-2520">6.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:CapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2521">7,076</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" scale="-2" id="f-2522">8.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2523">4,389</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" scale="-2" id="f-2524">4.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" format="ixt:num-dot-decimal" scale="6" id="f-2525">5,325</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" scale="-2" id="f-2526">6.02</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:ExcessTierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-2527">3,998</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:ExcessTierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2528">4.52</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:ExcessCapital" format="ixt:num-dot-decimal" scale="6" id="f-2529">3,195</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="us-gaap:ExcessCapitalToRiskWeightedAssets" scale="-2" id="f-2530">3.61</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-500" decimals="-6" name="us-gaap:ExcessTierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-2531">4,916</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-500" decimals="4" name="fbc:BankingRegulationTier1LeverageCapitalExcessRatio" scale="-2" id="f-2532">4.48</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:CommonEquityTierOneCapital" format="ixt:num-dot-decimal" scale="6" id="f-2533">7,653</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:CommonEquityTierOneCapitalRatio" scale="-2" id="f-2534">10.96</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:TierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-2535">7,653</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets" scale="-2" id="f-2536">10.96</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:Capital" format="ixt:num-dot-decimal" scale="6" id="f-2537">7,982</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:CapitalToRiskWeightedAssets" scale="-2" id="f-2538">11.43</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="4" name="us-gaap:TierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-2539">7,653</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:TierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2540">10.87</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2541">3,142</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum" scale="-2" id="f-2542">4.50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2543">4,189</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" scale="-2" id="f-2544">6.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:CapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2545">5,585</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" scale="-2" id="f-2546">8.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="4" name="us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy" format="ixt:num-dot-decimal" scale="6" id="f-2547">2,817</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" scale="-2" id="f-2548">4.00</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" format="ixt:num-dot-decimal" scale="6" id="f-2549">4,511</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" scale="-2" id="f-2550">6.46</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:ExcessTierOneRiskBasedCapital" format="ixt:num-dot-decimal" scale="6" id="f-2551">3,464</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:ExcessTierOneLeverageCapitalToAverageAssets" scale="-2" id="f-2552">4.96</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:ExcessCapital" format="ixt:num-dot-decimal" scale="6" id="f-2553">2,397</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="us-gaap:ExcessCapitalToRiskWeightedAssets" scale="-2" id="f-2554">3.43</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-501" decimals="-6" name="us-gaap:ExcessTierOneLeverageCapital" format="ixt:num-dot-decimal" scale="6" id="f-2555">4,836</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-501" decimals="4" name="fbc:BankingRegulationTier1LeverageCapitalExcessRatio" scale="-2" id="f-2556">6.87</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, our total risk-based capital ratio exceeded the minimum requirement for capital adequacy purposes by <ix:nonFraction unitRef="number" contextRef="c-7" decimals="INF" name="us-gaap:ExcessCapitalToRiskWeightedAssets" scale="-4" id="f-2557">377</ix:nonFraction> basis points and the fully phased-in capital conservation buffer by <ix:nonFraction unitRef="number" contextRef="c-7" decimals="INF" name="us-gaap:BankingRegulationCapitalConservationBufferCapitalConservedMinimum" scale="-4" id="f-2558">127</ix:nonFraction> basis points.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank also exceeded the minimum capital requirements to be categorized as &#8220;Well Capitalized.&#8221; To be categorized as well capitalized, a bank must maintain a minimum common equity tier 1 ratio of 6.50 percent; a minimum tier 1 risk-based capital ratio of 8 percent; a minimum total risk-based capital ratio of 10 percent; and a minimum leverage capital ratio of 5 percent.  </span></div><div style="margin-top:6pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Preferred Stock</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 17, 2017, the Company issued <ix:nonFraction unitRef="shares" contextRef="c-502" decimals="INF" name="us-gaap:StockIssuedDuringPeriodSharesNewIssues" format="ixt:num-dot-decimal" scale="0" id="f-2559">20,600,000</ix:nonFraction> depositary shares, each representing a 1/40th interest in a share of the Company&#8217;s Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, par value $<ix:nonFraction unitRef="usdPerShare" contextRef="c-503" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-2560">0.01</ix:nonFraction> per share, with a liquidation preference of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-503" decimals="INF" name="us-gaap:PreferredStockLiquidationPreference" scale="0" id="f-2561">1.00</ix:nonFraction> per share (equivalent to $<ix:nonFraction unitRef="usdPerShare" contextRef="c-502" decimals="INF" name="fbc:PreferredStockLiquidationPreferencePerDepositaryShare" scale="0" id="f-2562">25</ix:nonFraction> per depositary share). Dividends will accrue on the depositary shares at a fixed rate equal to <ix:nonFraction unitRef="number" contextRef="c-502" decimals="3" name="us-gaap:PreferredStockDividendRatePercentage" scale="0" id="f-2563">6.375</ix:nonFraction> percent per annum until March 17, 2027, and a floating rate equal to Three-month LIBOR plus <ix:nonFraction unitRef="number" contextRef="c-502" decimals="INF" name="fbc:PreferredStockDividendRateBasisSpreadOnVariableRate" scale="-4" id="f-2564">382.1</ix:nonFraction> basis points per annum beginning on March 17, 2027. Dividends will be payable in arrears on March 17, June 17, September 17, and December 17 of each year, which commenced on June 17, 2017.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Treasury Stock Repurchases</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 23, 2018, the Board of Directors approved the repurchase of up to $<ix:nonFraction unitRef="usd" contextRef="c-504" decimals="-6" name="us-gaap:StockRepurchaseProgramAuthorizedAmount1" format="ixt:num-dot-decimal" scale="6" id="f-2565">300</ix:nonFraction>&#160;million of the Company&#8217;s outstanding common stock. As of December&#160;31, 2023, the Company has repurchased a total of <ix:nonFraction unitRef="shares" contextRef="c-1" decimals="0" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="f-2566">30</ix:nonFraction>&#160;million shares at an average price of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-1" decimals="2" name="us-gaap:TreasuryStockAcquiredAverageCostPerShare" scale="0" id="f-2567">9.61</ix:nonFraction> or an aggregate purchase of $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredCostMethod" format="ixt:num-dot-decimal" scale="6" id="f-2568">286</ix:nonFraction>&#160;million. The Company had no repurchases during 2023. During the year ended December&#160;31, 2022, the Company repurchased <ix:nonFraction unitRef="shares" contextRef="c-9" decimals="0" name="us-gaap:TreasuryStockSharesAcquired" format="ixt:num-dot-decimal" scale="6" id="f-2569">871,710</ix:nonFraction> shares, at a cost of $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:TreasuryStockValueAcquiredCostMethod" format="ixt:num-dot-decimal" scale="6" id="f-2570">8</ix:nonFraction>&#160;million.</span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257947"></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 18 - <ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueDisclosuresTextBlock" id="f-2572" continuedAt="f-2572-1" escape="true">Fair Value Measures</ix:nonNumeric></span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-2572-1" continuedAt="f-2572-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">GAAP sets forth a definition of fair value, establishes a consistent framework for measuring fair value, and requires disclosure for each major asset and liability category measured at fair value on either a recurring or non-recurring basis. GAAP also clarifies that fair value is an &#8220;exit&#8221; price, representing the amount that would be received when selling an asset, or paid when transferring a liability, in an orderly transaction between market participants. Fair value is thus a market-based measurement that should be determined based on assumptions that market participants would use in pricing an asset or liability. As a basis for considering such assumptions, GAAP establishes a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 1 &#8211; Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 2 &#8211; Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 3 &#8211; Inputs to the valuation methodology are significant unobservable inputs that reflect a company&#8217;s own assumptions about the assumptions that market participants use in pricing an asset or liability.</span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"> </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">128</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2572-2" continuedAt="f-2572-3"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A financial instrument&#8217;s categorization within this valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" id="f-2573" continuedAt="f-2573-1" escape="true"><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present assets and liabilities that were measured at fair value on a recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#8217;s Consolidated Statements of Condition at those dates: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:42.372%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.705%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.705%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.427%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.099%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets <br/>(Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs<br/>(Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs <br/>(Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Netting Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-related Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-505" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2574">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-506" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2575">1,221</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-507" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2576">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-508" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2577">1,221</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-509" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2578">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-510" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2579">5,162</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-511" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2580">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-512" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2581">5,162</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-513" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2582">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-514" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2583">148</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-515" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2584">32</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-379" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2585">180</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-516" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2586">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-517" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2587">6,531</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-518" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2588">32</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-519" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2589">6,563</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-520" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2590">198</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-521" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2591">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-522" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2592">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-523" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2593">198</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-524" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2594">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-525" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2595">1,609</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-526" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2596">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-527" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2597">1,609</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-528" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2598">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-529" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2599">302</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-530" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2600">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-531" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2601">302</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-532" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2602">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-533" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2603">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-534" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2604">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-535" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2605">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-536" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2606">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-537" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2607">343</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-538" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2608">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-539" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2609">343</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-540" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2610">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-541" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2611">34</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-542" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2612">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-543" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2613">34</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-544" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2614">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-545" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2615">90</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-546" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2616">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-547" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2617">90</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-548" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2618">198</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-549" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2619">2,384</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-550" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2620">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-551" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2621">2,582</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-552" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2622">198</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-553" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2623">8,915</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-554" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2624">32</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-555" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2625">9,145</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds and common stock</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-556" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" format="ixt:fixed-zero" scale="6" id="f-2626">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-557" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" scale="6" id="f-2627">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-558" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" format="ixt:fixed-zero" scale="6" id="f-2628">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-559" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" scale="6" id="f-2629">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-560" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" format="ixt:fixed-zero" scale="6" id="f-2630">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-561" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" scale="6" id="f-2631">14</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-562" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" format="ixt:fixed-zero" scale="6" id="f-2632">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-563" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" scale="6" id="f-2633">14</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-564" decimals="-6" name="us-gaap:MarketableSecurities" scale="6" id="f-2634">198</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-565" decimals="-6" name="us-gaap:MarketableSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2635">8,929</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-566" decimals="-6" name="us-gaap:MarketableSecurities" scale="6" id="f-2636">32</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-567" decimals="-6" name="us-gaap:MarketableSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2637">9,159</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential first mortgage loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-568" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2638">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-569" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" scale="6" id="f-2639">770</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-570" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2640">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-571" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" scale="6" id="f-2641">770</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-572" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2642">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-573" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" scale="6" id="f-2643">123</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-574" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2644">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-575" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" scale="6" id="f-2645">123</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-576" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2646">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-577" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" scale="6" id="f-2647">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-578" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2648">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-579" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" scale="6" id="f-2649">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-580" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2650">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-581" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2651">115</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-582" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2652">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-583" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2653">115</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-584" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2654">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-585" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2655">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-586" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2656">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-587" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2657">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-588" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2658">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-589" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2659">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-590" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2660">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-591" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2661">12</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-592" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2662">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-593" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2663">11</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-594" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2664">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-595" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2665">11</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-564" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:fixed-zero" scale="6" id="f-2666">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-565" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:fixed-zero" scale="6" id="f-2667">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-566" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:num-dot-decimal" scale="6" id="f-2668">1,111</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-567" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:num-dot-decimal" scale="6" id="f-2669">1,111</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets at fair value</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-564" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" scale="6" id="f-2670">198</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-565" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2671">9,957</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-566" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2672">1,155</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-567" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2673">11,310</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-592" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2674">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-593" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2675">32</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-594" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2676">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-595" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2677">32</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-584" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2678">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-585" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2679">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-586" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2680">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-587" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2681">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-580" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2682">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-581" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2683">59</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-582" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2684">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-583" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2685">59</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-588" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2686">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-589" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2687">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-590" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2688">3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-591" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2689">3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities at fair value</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-564" decimals="-6" name="us-gaap:LiabilitiesFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2690">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-565" decimals="-6" name="us-gaap:LiabilitiesFairValueDisclosure" scale="6" id="f-2691">92</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-566" decimals="-6" name="us-gaap:LiabilitiesFairValueDisclosure" scale="6" id="f-2692">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-567" decimals="-6" name="us-gaap:LiabilitiesFairValueDisclosure" scale="6" id="f-2693">95</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="text-align:justify"><span><br/></span></div><div><span><br/></span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">129</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-2572-3" continuedAt="f-2572-4"><ix:continuation id="f-2573-1"><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:42.372%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.705%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.705%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.427%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.099%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets <br/>(Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs<br/>(Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs <br/>(Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Netting Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-related Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-596" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2694">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-597" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2695">1,297</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-598" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2696">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-599" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2697">1,297</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-600" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2698">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-601" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2699">3,301</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-602" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2700">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-603" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2701">3,301</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-604" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2702">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-605" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2703">191</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-606" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2704">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-607" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2705">191</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-608" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2706">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-609" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2707">4,789</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-610" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2708">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-611" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2709">4,789</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-612" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2710">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-613" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2711">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-614" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2712">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-615" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2713">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-616" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2714">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-617" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2715">1,398</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-618" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2716">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-619" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2717">1,398</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-620" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2718">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-621" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2719">361</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-622" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2720">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-623" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2721">361</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-624" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2722">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-625" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2723">30</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-626" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2724">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-627" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2725">30</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-628" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2726">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-629" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2727">885</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-630" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2728">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-631" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2729">885</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-632" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2730">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-633" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2731">20</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-634" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2732">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-635" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2733">20</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-636" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2734">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-637" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2735">90</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-638" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2736">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-639" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2737">90</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-640" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2738">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-641" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2739">2,784</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-642" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2740">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-643" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2741">4,271</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-644" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2742">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-645" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2743">7,573</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-646" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:fixed-zero" scale="6" id="f-2744">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-647" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" format="ixt:num-dot-decimal" scale="6" id="f-2745">9,060</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds and common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-648" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" format="ixt:fixed-zero" scale="6" id="f-2746">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-649" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" scale="6" id="f-2747">14</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-650" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" format="ixt:fixed-zero" scale="6" id="f-2748">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-651" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" scale="6" id="f-2749">14</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-652" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" format="ixt:fixed-zero" scale="6" id="f-2750">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-653" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" scale="6" id="f-2751">14</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-654" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" format="ixt:fixed-zero" scale="6" id="f-2752">&#8212;</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-655" decimals="-6" name="us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent" scale="6" id="f-2753">14</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-656" decimals="-6" name="us-gaap:MarketableSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2754">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-657" decimals="-6" name="us-gaap:MarketableSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2755">7,587</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-658" decimals="-6" name="us-gaap:MarketableSecurities" format="ixt:fixed-zero" scale="6" id="f-2756">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-659" decimals="-6" name="us-gaap:MarketableSecurities" format="ixt:num-dot-decimal" scale="6" id="f-2757">9,074</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential first mortgage loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-660" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:fixed-zero" scale="0" id="f-2758">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-661" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2759">1,115</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-662" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:fixed-zero" scale="0" id="f-2760">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-663" decimals="-6" name="us-gaap:LoansHeldForSaleFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2761">1,115</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-664" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2762">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-665" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2763">182</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-666" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2764">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-667" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2765">182</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-668" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2766">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-669" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2767">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-670" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2768">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-671" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2769">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-672" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2770">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-673" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2771">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-674" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2772">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-675" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2773">9</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-676" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2774">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-677" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2775">36</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-678" decimals="-6" name="us-gaap:DerivativeAssets" format="ixt:fixed-zero" scale="6" id="f-2776">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-679" decimals="-6" name="us-gaap:DerivativeAssets" scale="6" id="f-2777">36</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-656" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:fixed-zero" scale="6" id="f-2778">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-657" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:fixed-zero" scale="6" id="f-2779">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-658" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:num-dot-decimal" scale="6" id="f-2780">1,033</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-659" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:num-dot-decimal" scale="6" id="f-2781">1,033</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets at fair value</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-656" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2782">1,487</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-657" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2783">8,922</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-658" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2784">1,042</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-659" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2785">11,451</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-676" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2786">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-677" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2787">61</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-678" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2788">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-679" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2789">61</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-664" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2790">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-665" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2791">65</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-666" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2792">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-667" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2793">65</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-672" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2794">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-673" decimals="-6" name="us-gaap:DerivativeLiabilities" format="ixt:fixed-zero" scale="6" id="f-2795">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-674" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2796">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-675" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2797">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities at fair value</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-656" decimals="-6" name="us-gaap:LiabilitiesFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2798">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-657" decimals="-6" name="us-gaap:LiabilitiesFairValueDisclosure" scale="6" id="f-2799">126</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-658" decimals="-6" name="us-gaap:LiabilitiesFairValueDisclosure" scale="6" id="f-2800">10</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-659" decimals="-6" name="us-gaap:LiabilitiesFairValueDisclosure" scale="6" id="f-2801">136</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:continuation><div style="text-indent:36pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueMeasurementPolicyPolicyTextBlock" id="f-2802" continuedAt="f-2802-1" escape="true"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company reviews and updates the fair value hierarchy classifications for its assets on a quarterly basis. Changes from one quarter to the next that are related to the observability of inputs for a fair value measurement may result in a reclassification from one hierarchy level to another. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A description of the methods and significant assumptions utilized in estimating the fair values of securities follows: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government securities and exchange-traded securities. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, models incorporate transaction details such as maturity and cash flow assumptions. Securities valued in this manner would generally be classified within Level 2 of the valuation hierarchy, and primarily include such instruments as mortgage-related and corporate debt securities. </span></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">130</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2572-4" continuedAt="f-2572-5"><ix:continuation id="f-2802-1" continuedAt="f-2802-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Periodically, the Company uses fair values supplied by independent pricing services to corroborate the fair values derived from the pricing models. In addition, the Company reviews the fair values supplied by independent pricing services, as well as their underlying pricing methodologies, for reasonableness. The Company challenges pricing service valuations that appear to be unusual or unexpected. </span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-2802-2">While the Company believes its valuation methods are appropriate, and consistent with those of other market participants, the use of different methodologies or assumptions to determine the fair values of certain financial instruments could result in different estimates of fair values at a reporting date.</ix:continuation> </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fair Value Measurements Using Significant Unobservable Inputs</span></div><div><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" id="f-2803" escape="true"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables include a roll forward of the Consolidated Statements of Condition amounts (including the change in fair value) for financial instruments classified by us within Level 3 of the valuation hierarchy:</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:29.016%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.426%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.888%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.549%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.186%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.110%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.256%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.265%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at Beginning of Year</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><span style="-sec-ix-hidden:f-2804">Total Gains / (Losses) Recorded in Earnings (1)</span></span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases / Originations</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sales</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlement</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers In (Out)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at End of Year</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-680" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="6" id="f-2805">1,033</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-681" decimals="-6" sign="-" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" scale="6" id="f-2806">79</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-681" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" scale="6" id="f-2807">208</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-681" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" scale="6" id="f-2808">51</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-681" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" format="ixt:fixed-zero" scale="6" id="f-2809">&#8212;</ix:nonFraction> </span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-681" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" format="ixt:fixed-zero" scale="6" id="f-2810">&#8212;</ix:nonFraction> </span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-682" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="6" id="f-2811">1,111</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-683" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:fixed-zero" scale="6" id="f-2812">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-684" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" format="ixt:fixed-zero" scale="6" id="f-2813">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-684" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" format="ixt:fixed-zero" scale="6" id="f-2814">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-684" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" format="ixt:fixed-zero" scale="6" id="f-2815">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-684" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" format="ixt:fixed-zero" scale="6" id="f-2816">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-684" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" scale="6" id="f-2817">32</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-685" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" scale="6" id="f-2818">32</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (net)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)(2)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-686" decimals="-6" sign="-" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" scale="6" id="f-2819">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-687" decimals="-6" sign="-" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" scale="6" id="f-2820">49</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-687" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" scale="6" id="f-2821">104</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-687" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" format="ixt:fixed-zero" scale="6" id="f-2822">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-687" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" format="ixt:fixed-zero" scale="6" id="f-2823">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-687" decimals="-6" sign="-" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" scale="6" id="f-2824">45</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-688" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" scale="6" id="f-2825">9</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Totals</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-689" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="6" id="f-2826">1,032</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-690" decimals="-6" sign="-" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" scale="6" id="f-2827">128</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-690" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" scale="6" id="f-2828">312</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-690" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" scale="6" id="f-2829">51</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-690" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" format="ixt:fixed-zero" scale="6" id="f-2830">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-690" decimals="-6" sign="-" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" scale="6" id="f-2831">13</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-691" decimals="-6" name="us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" format="ixt:num-dot-decimal" scale="6" id="f-2832">1,152</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">We utilized swaptions, futures, forward agency and loan sales and interest rate swaps to manage the risk associated with mortgage servicing rights and rate lock commitments. Gains and losses for individual lines do not reflect the effect of our risk management activities related to such Level 3 instruments.</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Rate lock commitments are reported on a fallout-adjusted basis. Transfers out of Level 3 represent the settlement value of the commitments that are transferred to LHFS, which are classified as Level 2 assets.</span></div></ix:nonNumeric><div style="text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" id="f-2833" escape="true"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the quantitative information about recurring Level 3 fair value financial instruments and the fair value measurements as of December&#160;31, 2023:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:23.607%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.209%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.198%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:29.747%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.739%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Valuation Technique</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unobservable Input </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Range <br/>(Weighted Average)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$<ix:nonFraction unitRef="usd" contextRef="c-566" decimals="-6" name="us-gaap:ServicingAssetAtFairValueAmount" format="ixt:num-dot-decimal" scale="6" id="f-2834">1,111</ix:nonFraction></span></td><td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discounted cash flows</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Option adjusted spread</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-692" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" scale="-2" id="f-2835">5.0</ix:nonFraction>% - <ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-693" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" scale="-2" id="f-2836">21.7</ix:nonFraction>% <ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-694" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" scale="-2" id="f-2837">5.4</ix:nonFraction>%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-695" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" format="ixt:fixed-zero" scale="-2" id="f-2838">&#8212;</ix:nonFraction>% - <ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-696" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" scale="-2" id="f-2839">10.0</ix:nonFraction>% <ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-697" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" scale="-2" id="f-2840">7.9</ix:nonFraction>%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average cost to service per loan</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$<ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-698" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" scale="0" id="f-2841">65.0</ix:nonFraction> - $<ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-699" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" scale="0" id="f-2842">90.0</ix:nonFraction> $<ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-700" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" scale="0" id="f-2843">69.0</ix:nonFraction></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$<ix:nonFraction unitRef="usd" contextRef="c-515" decimals="-6" name="us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest" scale="6" id="f-2844">32</ix:nonFraction></span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant default rates</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-701" decimals="3" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2845">0.10</ix:nonFraction>% - <ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-702" decimals="3" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2846">0.30</ix:nonFraction>%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average life</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-703" decimals="3" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2847">8.2</ix:nonFraction> - <ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-704" decimals="3" name="us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput" scale="-2" id="f-2848">11.8</ix:nonFraction></span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (net)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$<ix:nonFraction unitRef="usd" contextRef="c-705" decimals="-6" name="us-gaap:DerivativeLiabilities" scale="6" id="f-2849">9</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consensus pricing</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Origination pull-through rate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-706" decimals="3" name="us-gaap:DerivativeLiabilityMeasurementInput" scale="-2" id="f-2850">64.30</ix:nonFraction>%</span></td></tr></table></div><div style="margin-top:6pt;padding-left:48.95pt;text-indent:-24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.18pt">Unobservable inputs were weighted by their relative fair value of the instruments.</span></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">131</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2572-5" continuedAt="f-2572-6"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Assets Measured at Fair Value on a Non-Recurring Basis </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain assets are measured at fair value on a non-recurring basis. Such instruments are subject to fair value adjustments under certain circumstances (e.g., when there is evidence of impairment). <ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" id="f-2851" continuedAt="f-2851-1" escape="true">The following tables present assets that were measured at fair value on a non-recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#8217;s Consolidated Statements of Condition at those dates: </ix:nonNumeric></span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-2851-1"><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:31.209%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.613%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.666%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.128%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.132%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurements at December&#160;31, 2023 Using</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certain impaired loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-707" decimals="-6" name="fbc:ImpairedLoansFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2852">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-708" decimals="-6" name="fbc:ImpairedLoansFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2853">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-709" decimals="-6" name="fbc:ImpairedLoansFairValueDisclosure" scale="6" id="f-2854">197</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-710" decimals="-6" name="fbc:ImpairedLoansFairValueDisclosure" scale="6" id="f-2855">197</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-707" decimals="-6" name="us-gaap:OtherAssetsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2856">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-708" decimals="-6" name="us-gaap:OtherAssetsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2857">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-709" decimals="-6" name="us-gaap:OtherAssetsFairValueDisclosure" scale="6" id="f-2858">50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-710" decimals="-6" name="us-gaap:OtherAssetsFairValueDisclosure" scale="6" id="f-2859">50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-707" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2860">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-708" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2861">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-709" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" scale="6" id="f-2862">247</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-710" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" scale="6" id="f-2863">247</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of impaired loans, based on the value of the collateral.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:32.818%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.274%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.250%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.062%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurements at December&#160;31, 2022 Using</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certain impaired loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-711" decimals="-6" name="fbc:ImpairedLoansFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2864">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-712" decimals="-6" name="fbc:ImpairedLoansFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2865">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-713" decimals="-6" name="fbc:ImpairedLoansFairValueDisclosure" scale="6" id="f-2866">28</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-714" decimals="-6" name="fbc:ImpairedLoansFairValueDisclosure" scale="6" id="f-2867">28</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-711" decimals="-6" name="us-gaap:OtherAssetsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2868">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-712" decimals="-6" name="us-gaap:OtherAssetsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2869">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-713" decimals="-6" name="us-gaap:OtherAssetsFairValueDisclosure" scale="6" id="f-2870">41</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-714" decimals="-6" name="us-gaap:OtherAssetsFairValueDisclosure" scale="6" id="f-2871">41</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-712" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2872">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-712" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2873">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-713" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" scale="6" id="f-2874">69</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-714" decimals="-6" name="us-gaap:AssetsFairValueDisclosure" scale="6" id="f-2875">69</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of impaired loans, based on the value of the collateral.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.</span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of collateral-dependent impaired loans are determined using various valuation techniques, including consideration of appraised values and other pertinent real estate and other market data. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Other Fair Value Disclosures </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the disclosure of fair value information about the Company&#8217;s on- and off-balance sheet financial instruments, when available, quoted market prices are used as the measure of fair value. In cases where quoted market prices are not available, fair values are based on present-value estimates or other valuation techniques. Such fair values are significantly affected by the assumptions used, the timing of future cash flows, and the discount rate. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because assumptions are inherently subjective in nature, estimated fair values cannot be substantiated by comparison to independent market quotes. Furthermore, in many cases, the estimated fair values provided would not necessarily be realized in an immediate sale or settlement of such instruments. </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">132</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2572-6" continuedAt="f-2572-7"><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueByBalanceSheetGroupingTextBlock" id="f-2876" continuedAt="f-2876-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the carrying values, estimated fair values, and fair value measurement levels of financial instruments that were not carried at fair value on the Company&#8217;s Consolidated Statements of Condition at December&#160;31, 2023 and December&#160;31, 2022: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:33.310%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.135%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.361%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.995%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.361%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.995%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.906%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.361%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.995%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.749%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.361%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.671%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurement Using</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-715" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2877">11,475</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-716" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2878">11,475</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-717" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2879">11,475</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-718" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2880">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-719" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2881">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB and FRB stock </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-715" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2882">1,392</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-716" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2883">1,392</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-717" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2884">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-718" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2885">1,392</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-719" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2886">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and leases held for investment, net</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-715" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2887">83,627</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-716" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2888">79,333</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-717" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2889">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-718" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2890">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-719" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2891">79,333</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-715" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2892">81,526</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-716" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2893">81,247</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-717" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2894">59,972</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-718" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2895">21,275</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-719" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2896">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-715" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-2897">21,267</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-716" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-2898">21,082</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-717" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:fixed-zero" scale="6" id="f-2899">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-718" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-2900">21,082</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-719" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:fixed-zero" scale="6" id="f-2901">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Carrying value and estimated fair value are at cost. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Certificates of deposit.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:34.038%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.022%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:2.438%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.516%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurement Using</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-720" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2902">2,032</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-721" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2903">2,032</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-722" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2904">2,032</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-723" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2905">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-724" decimals="-6" name="us-gaap:CashAndCashEquivalentsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2906">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB and FRB stock </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-720" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2907">1,267</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-721" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2908">1,267</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-722" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2909">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-723" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2910">1,267</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-724" decimals="-6" name="fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2911">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and leases held for investment, net</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-720" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2912">68,608</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-721" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2913">65,673</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-722" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2914">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-723" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2915">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-724" decimals="-6" name="us-gaap:LoansReceivableFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2916">65,673</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-720" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2917">58,721</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-721" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2918">58,479</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-722" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2919">46,211</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-723" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:num-dot-decimal" scale="6" id="f-2920">12,268</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-724" decimals="-6" name="us-gaap:DepositsFairValueDisclosure" format="ixt:fixed-zero" scale="6" id="f-2921">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-720" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-2922">21,332</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-721" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-2923">21,231</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-722" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:fixed-zero" scale="6" id="f-2924">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-723" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:num-dot-decimal" scale="6" id="f-2925">21,231</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-724" decimals="-6" name="us-gaap:LongTermDebtFairValue" format="ixt:fixed-zero" scale="6" id="f-2926">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Carrying value and estimated fair value are at cost. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. </span></div></ix:nonNumeric><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><ix:continuation id="f-2876-1"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Certificates of deposit.</span></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:continuation id="f-748-3" continuedAt="f-748-4"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The methods and significant assumptions used to estimate fair values for the Company&#8217;s financial instruments follow: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash and cash equivalents include cash and due from banks and federal funds sold. The estimated fair values of cash and cash equivalents are assumed to equal their carrying values, as these financial instruments are either due on demand or have short-term maturities. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Securities </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, pricing models also incorporate transaction details such as maturities and cash flow assumptions. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Home Loan Bank Stock </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ownership in equity securities of the FHLB is generally restricted and there is no established liquid market for their resale. The carrying amount approximates the fair value. </span></div></ix:continuation></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">133</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-2572-7" continuedAt="f-2572-8"><ix:continuation id="f-748-4" continuedAt="f-748-5"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans and leases</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company discloses the fair value of loans measured at amortized cost using an exit price notion. The Company determined the fair value on substantially all of its loans for disclosure purposes, on an individual loan basis. The discount rates reflect current market rates for loans with similar terms to borrowers having similar credit quality on an exit price basis. For those loans where a discounted cash flow technique was not considered reliable, the Company used a quoted market price for each individual loan. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">MSRs</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant unobservable inputs used in the fair value measurement of the MSRs are option adjusted spreads, prepayment rates and cost to service. Significant increases (decreases) in all three assumptions in isolation result in a significantly lower (higher) fair value measurement. Weighted average life (in years) is used to determine the change in fair value of MSRs. For December&#160;31, 2023, the weighted average life (in years) for the entire  portfolio was <ix:nonFraction unitRef="constant_default_rate_per_loan" contextRef="c-725" decimals="3" name="us-gaap:ServicingAssetMeasurementInput" scale="0" id="f-2927">6.83</ix:nonFraction>.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Rate lock commitments</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant unobservable input used in the fair value measurement of the rate lock commitments is the pull through rate. The pull through rate is a statistical analysis of our actual rate lock fallout history to determine the sensitivity of the residential mortgage loan pipeline compared to interest rate changes and other deterministic values. New market prices are applied based on updated loan characteristics and new fallout ratios (i.e. the inverse of the pull through rate) are applied accordingly. Significant increases (decreases) in the pull through rate in isolation result in a significantly higher (lower) fair value measurement.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Deposits </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of deposit liabilities with no stated maturity (i.e., interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts) are equal to the carrying amounts payable on demand. The fair values of CDs represent contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities. These estimated fair values do not include the intangible value of core deposit relationships, which comprise a portion of the Company&#8217;s deposit base. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrowed Funds </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of borrowed funds is based either on bid quotations received from securities dealers or the discounted value of contractual cash flows with interest rates currently in effect for borrowed funds with similar maturities and structures.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Off-Balance Sheet Financial Instruments</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div></ix:continuation><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-748-5">The fair values of commitments to extend credit and unadvanced lines of credit are estimated based on an analysis of the interest rates and fees currently charged to enter into similar transactions, considering the remaining terms of the commitments and the creditworthiness of the potential borrowers. The estimated fair values of such off-balance sheet financial instruments were insignificant at December&#160;31, 2023 and December&#160;31, 2022.</ix:continuation> </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fair Value Option </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We elected the fair value option for certain items as discussed throughout the Notes to the Consolidated Financial Statements to more closely align the accounting method with the underlying economic exposure. Interest income on LHFS is accrued on the principal outstanding primarily using the "simple-interest" method.</span></div><ix:nonNumeric contextRef="c-1" name="fbc:ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock" id="f-2928" escape="true"><div style="margin-top:12pt;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects the change in fair value included in earnings of financial instruments for which the fair value option has been elected:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:72.730%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.619%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.767%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on loan sales</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:FairValueOptionChangesInFairValueGainLoss1" scale="6" id="f-2929">43</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-137" decimals="-6" name="us-gaap:FairValueOptionChangesInFairValueGainLoss1" scale="6" id="f-2930">8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">134</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:FairValueOptionQuantitativeDisclosuresTextBlock" id="f-2931" escape="true"><ix:continuation id="f-2572-8"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects the difference between the aggregate fair value and aggregate remaining contractual principal balance outstanding for assets and liabilities for which the fair value option has been elected:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:57.650%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.927%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.901%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unpaid Principal Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Over / (Under) UPB</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-726" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" scale="6" id="f-2932">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-726" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" scale="6" id="f-2933">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-726" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference" format="ixt:fixed-zero" scale="6" id="f-2934">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total non-accrual loans</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-727" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" scale="6" id="f-2935">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-727" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" scale="6" id="f-2936">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-727" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference" format="ixt:fixed-zero" scale="6" id="f-2937">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other performing loans:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-728" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" scale="6" id="f-2938">869</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-728" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" scale="6" id="f-2939">894</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-728" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference" scale="6" id="f-2940">25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other performing loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-729" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" scale="6" id="f-2941">869</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-729" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" scale="6" id="f-2942">894</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-729" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference" scale="6" id="f-2943">25</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-730" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" scale="6" id="f-2944">871</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-730" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" scale="6" id="f-2945">896</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-730" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference" scale="6" id="f-2946">25</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" scale="6" id="f-2947"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" scale="6" id="f-2948">871</ix:nonFraction></ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" scale="6" id="f-2949"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" scale="6" id="f-2950">896</ix:nonFraction></ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference" scale="6" id="f-2951">25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:57.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.902%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unpaid Principal Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Over / (Under) UPB</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other performing loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-731" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" format="ixt:num-dot-decimal" scale="6" id="f-2952">1,095</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-731" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" format="ixt:num-dot-decimal" scale="6" id="f-2953">1,115</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-731" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference" scale="6" id="f-2954">20</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other performing loans</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-732" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" format="ixt:num-dot-decimal" scale="6" id="f-2955">1,095</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-732" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" format="ixt:num-dot-decimal" scale="6" id="f-2956">1,115</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-732" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference" scale="6" id="f-2957">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-733" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" format="ixt:num-dot-decimal" scale="6" id="f-2958">1,095</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-733" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" format="ixt:num-dot-decimal" scale="6" id="f-2959">1,115</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-733" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference" scale="6" id="f-2960">20</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:FairValueOptionContractualPrincipalOutstandingAssets" format="ixt:num-dot-decimal" scale="6" id="f-2961">1,095</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:FairValueOptionLoansHeldAsAssets" format="ixt:num-dot-decimal" scale="6" id="f-2962">1,115</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference" scale="6" id="f-2963">20</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:nonNumeric><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_4947802327586"></div><div style="margin-top:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 19 - <ix:nonNumeric contextRef="c-1" name="us-gaap:CommitmentsAndContingenciesDisclosureTextBlock" id="f-2964" continuedAt="f-2964-1" escape="true">Commitments and Contingencies</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-2964-1" continuedAt="f-2964-2"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Pledged Assets</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company pledges securities to serve as collateral for its repurchase agreements, among other purposes. We had pledged investment securities of $<ix:nonFraction unitRef="usd" contextRef="c-734" decimals="-7" name="fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" format="ixt:num-dot-decimal" scale="9" id="f-2965">2.8</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-735" decimals="-6" name="fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" format="ixt:num-dot-decimal" scale="6" id="f-2966">434</ix:nonFraction>&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively. In addition, the Company had $<ix:nonFraction unitRef="usd" contextRef="c-734" decimals="-7" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="9" id="f-2967">43.1</ix:nonFraction>&#160;billion and $<ix:nonFraction unitRef="usd" contextRef="c-735" decimals="-7" name="us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" format="ixt:num-dot-decimal" scale="9" id="f-2968">44.5</ix:nonFraction>&#160;billion of loans pledged to the FHLB-NY to serve as collateral for its wholesale borrowings at the respective year-ends. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loan Commitments and Letters of Credit</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the normal course of business, we have various commitments outstanding which are not included on our Consolidated Statements of Financial Condition. The majority of the outstanding loan commitments were expected to close within 90 days.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:OtherCommitmentsTableTextBlock" id="f-2969" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s off-balance sheet commitments to originate loans and letters of credit: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:66.632%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.615%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.381%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.872%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family and commercial real estate</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-736" decimals="-6" name="us-gaap:OtherCommitment" scale="6" id="f-2970">52</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-737" decimals="-6" name="us-gaap:OtherCommitment" scale="6" id="f-2971">216</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family including interest rate locks</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-738" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2972">1,694</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-739" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2973">2,066</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-740" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2974">3,926</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-741" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2975">3,539</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Warehouse loan commitments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-742" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2976">7,074</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-743" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2977">8,042</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loan commitments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-744" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2978">11,315</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-745" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2979">7,964</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loan commitments</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-746" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2980">24,061</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-747" decimals="-6" name="us-gaap:OtherCommitment" format="ixt:num-dot-decimal" scale="6" id="f-2981">21,827</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial, performance stand-by, and financial stand-by letters of credit</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:GuaranteeObligationsMaximumExposure" scale="6" id="f-2982">915</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="us-gaap:GuaranteeObligationsMaximumExposure" scale="6" id="f-2983">541</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total commitments</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" format="ixt:num-dot-decimal" scale="6" id="f-2984">24,976</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-8" decimals="-6" name="fbc:OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" format="ixt:num-dot-decimal" scale="6" id="f-2985">22,368</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">135</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-2964-2" continuedAt="f-2964-3"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Financial Guarantees</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company provides guarantees and indemnifications to its customers to enable them to complete a variety of business transactions and to enhance their credit standings. These guarantees are recorded at their respective fair values in &#8220;Other liabilities&#8221; in the Consolidated Statements of Condition. The Company deems the fair value of the guarantees to equal the consideration received.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfGuaranteeObligationsTextBlock" id="f-2986" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s guarantees and indemnifications at December&#160;31, 2023:</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:45.391%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.350%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.595%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.963%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expires Within One Year</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expires After One Year</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Outstanding Amount</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maximum Potential Amount of Future Payments</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial stand-by letters of credit</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-748" decimals="-6" name="fbc:GuarantorObligationsCurrentCarryingValueCurrent" scale="6" id="f-2987">254</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-748" decimals="-6" name="fbc:GuarantorObligationsCurrentCarryingValueNoncurrent" scale="6" id="f-2988">288</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-748" decimals="-6" name="us-gaap:GuaranteeObligationsCurrentCarryingValue" scale="6" id="f-2989">542</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-748" decimals="-6" name="us-gaap:GuaranteeObligationsMaximumExposure" scale="6" id="f-2990">639</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Performance stand-by letters of credit</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-749" decimals="-6" name="fbc:GuarantorObligationsCurrentCarryingValueCurrent" scale="6" id="f-2991">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-749" decimals="-6" name="fbc:GuarantorObligationsCurrentCarryingValueNoncurrent" scale="6" id="f-2992">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-749" decimals="-6" name="us-gaap:GuaranteeObligationsCurrentCarryingValue" scale="6" id="f-2993">102</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-749" decimals="-6" name="us-gaap:GuaranteeObligationsMaximumExposure" scale="6" id="f-2994">102</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial letters of credit</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-750" decimals="-6" name="fbc:GuarantorObligationsCurrentCarryingValueCurrent" scale="6" id="f-2995">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-750" decimals="-6" name="fbc:GuarantorObligationsCurrentCarryingValueNoncurrent" format="ixt:fixed-zero" scale="6" id="f-2996">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-750" decimals="-6" name="us-gaap:GuaranteeObligationsCurrentCarryingValue" scale="6" id="f-2997">3</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-750" decimals="-6" name="us-gaap:GuaranteeObligationsMaximumExposure" scale="6" id="f-2998">174</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total letters of credit</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:GuarantorObligationsCurrentCarryingValueCurrent" scale="6" id="f-2999">357</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="fbc:GuarantorObligationsCurrentCarryingValueNoncurrent" scale="6" id="f-3000">290</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:GuaranteeObligationsCurrentCarryingValue" scale="6" id="f-3001">647</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-7" decimals="-6" name="us-gaap:GuaranteeObligationsMaximumExposure" scale="6" id="f-3002">915</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The maximum potential amount of future payments represents the notional amounts that could be funded under the guarantees and indemnifications if there were a total default by the guaranteed parties or if indemnification provisions were triggered, as applicable, without consideration of possible recoveries under recourse provisions or from collateral held or pledged.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company collects fees upon the issuance of commercial and stand-by letters of credit. Stand-by letters of credit fees are initially recorded by the Company as a liability and are recognized as income periodically through the respective expiration dates. Fees for commercial letters of credit are collected and recognized as income at the time that they are issued and upon payment of each set of documents presented. In addition, the Company requires adequate collateral, typically in the form of cash, real property, and/or personal guarantees upon its issuance of irrevocable stand-by letters of credit. Commercial letters of credit are primarily secured by the goods being purchased in the underlying transaction and are also personally guaranteed by the owner(s) of the applicant company.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the Company had no commitments to purchase securities.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Legal Proceedings</span></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><ix:continuation id="f-2964-3">The Company is involved in various legal actions arising in the ordinary course of its business, including stockholder class and derivative actions. All such actions in the aggregate involve amounts that are believed by management to be immaterial to the financial condition and results of operations of the Company. The outcome of any pending litigation is uncertain. There can be no assurance (i) that we will not incur material losses due to damages, penalties, costs and/or expenses as a result of such litigation, (ii) that the reserves we have established will be sufficient to cover such losses, or (iii) that such losses will not materially exceed such reserves and have a material impact on our financial condition or results of operations. The Company may incur significant legal expenses in defending the litigation described above during the pendency of these matters, and in connection with any other potential cases, including expenses for the potential reimbursement of legal fees of officers and directors under indemnification obligations.</ix:continuation> </span></div><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">136</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023258200"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 20 - <ix:nonNumeric contextRef="c-1" name="us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock" id="f-3003" continuedAt="f-3003-1" escape="true">Employee Benefits </ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-3003-1" continuedAt="f-3003-2"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Retirement Plan  </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The New York Community Bancorp, Inc. Retirement Plan (the &#8220;Retirement Plan&#8221;) covers substantially all employees who had attained minimum age, service, and employment status requirements prior to the date when the individual plans were frozen by the banks of origin. Once frozen, the individual plans ceased to accrue additional benefits, service, and compensation factors, and became closed to employees who would otherwise have met eligibility requirements after the &#8220;freeze&#8221; date.</span></div><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock" id="f-3004" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth certain information regarding the Retirement Plan as of the dates indicated: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:76.400%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.873%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Benefit Obligation:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at beginning of year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-751" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligation" scale="6" id="f-3005">116</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-752" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligation" scale="6" id="f-3006">158</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:DefinedBenefitPlanInterestCost" scale="6" id="f-3007">5</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:DefinedBenefitPlanInterestCost" scale="6" id="f-3008">4</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial gain</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:DefinedBenefitPlanActuarialGainLoss" scale="6" id="f-3009">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanActuarialGainLoss" scale="6" id="f-3010">38</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annuity payments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid" scale="6" id="f-3011">7</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid" scale="6" id="f-3012">7</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:DefinedBenefitPlanSettlementsBenefitObligation" scale="6" id="f-3013">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:DefinedBenefitPlanSettlementsBenefitObligation" scale="6" id="f-3014">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at end of year</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligation" scale="6" id="f-3015">115</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-751" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligation" scale="6" id="f-3016">116</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Plan Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at beginning of year</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-751" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3017">228</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-752" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3018">283</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actual return (loss) on plan assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets" scale="6" id="f-3019">33</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets" scale="6" id="f-3020">47</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annuity payments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid" scale="6" id="f-3021">7</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid" scale="6" id="f-3022">7</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:DefinedBenefitPlanSettlementsPlanAssets" scale="6" id="f-3023">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:DefinedBenefitPlanSettlementsPlanAssets" scale="6" id="f-3024">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at end of year</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3025">253</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-751" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3026">228</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Funded status (included in &#8220;Other assets&#8221;)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanFundedStatusOfPlan" scale="6" id="f-3027">138</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-751" decimals="-6" name="us-gaap:DefinedBenefitPlanFundedStatusOfPlan" scale="6" id="f-3028">112</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes recognized in other comprehensive income for the year ended December 31:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of actuarial loss</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" scale="6" id="f-3029">7</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" scale="6" id="f-3030">2</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net actuarial (gain) loss arising during the year</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" scale="6" id="f-3031">18</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" scale="6" id="f-3032">26</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total recognized in other comprehensive income for the year (pre-tax)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax" scale="6" id="f-3033">25</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax" scale="6" id="f-3034">24</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial loss, net</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax" scale="6" id="f-3035">41</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-751" decimals="-6" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax" scale="6" id="f-3036">66</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accumulated other comprehensive loss (pre-tax)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax" scale="6" id="f-3037">41</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-751" decimals="-6" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax" scale="6" id="f-3038">66</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2024 $<ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedAmortizationNextFiscalYear" format="ixt:num-dot-decimal" scale="6" id="f-3039">3</ix:nonFraction>&#160;million of unrecognized net actuarial loss for the Retirement Plan will be amortized from AOCL into net periodic benefit cost, respectively. The comparable amount recognized as net actuarial loss for the Retirement Plan in 2023 was $<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" format="ixt:num-dot-decimal" scale="6" id="f-3040">7</ix:nonFraction>&#160;million and <ix:nonFraction unitRef="usd" contextRef="c-754" decimals="INF" name="us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" format="ixt-sec:numwordsen" id="f-3041">no</ix:nonFraction> prior service cost was amortized in 2022.  The discount rates used to determine the benefit obligation at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022 were <ix:nonFraction unitRef="number" contextRef="c-755" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" format="ixt:num-dot-decimal" id="f-3042">4.7</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="c-751" decimals="4" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" format="ixt:num-dot-decimal" id="f-3043">4.9</ix:nonFraction> percent, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The discount rate reflects rates at which the benefit obligation could be effectively settled. To determine this rate, the Company considers rates of return on high-quality fixed-income investments that are currently available and are expected to be available during the period until the pension benefits are paid. The expected future payments are discounted based on a portfolio of high-quality rated bonds (AA or better) for which the Company relies on the Financial Times Stock Exchange (&#8220;FTSE&#8221;) Pension Liability Index that is published as of the measurement date.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfNetBenefitCostsTableTextBlock" id="f-3044" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of net periodic pension (credit) expense were as follows for the years indicated: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:64.872%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.874%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Components of net periodic pension expense (credit):</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:DefinedBenefitPlanInterestCost" scale="6" id="f-3045">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:DefinedBenefitPlanInterestCost" scale="6" id="f-3046">4</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-756" decimals="-6" name="us-gaap:DefinedBenefitPlanInterestCost" scale="6" id="f-3047">4</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected return on plan assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets" scale="6" id="f-3048">14</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets" scale="6" id="f-3049">16</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-756" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets" scale="6" id="f-3050">16</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of net actuarial loss</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses" scale="6" id="f-3051">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses" scale="6" id="f-3052">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-756" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses" scale="6" id="f-3053">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net periodic pension credit</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-753" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost" scale="6" id="f-3054">2</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-754" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost" scale="6" id="f-3055">10</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-756" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost" scale="6" id="f-3056">5</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">137</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-3003-2" continuedAt="f-3003-3"><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock" id="f-3057" continuedAt="f-3057-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table indicates the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:62.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.449%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.746%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount rate</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-753" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" scale="-2" id="f-3058">4.9</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-754" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" scale="-2" id="f-3059">2.6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-756" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" scale="-2" id="f-3060">2.2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected rate of return on plan assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-753" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" scale="-2" id="f-3061">6.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-754" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" scale="-2" id="f-3062">6.0</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-756" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" scale="-2" id="f-3063">6.3</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The primary long-term objective for the Plan is to maintain assets at a level that will sufficiently cover future beneficiary obligations. A secondary long-term objective is to achieve long-term growth in assets. The Plan will be structured to include a volatility reducing component (the fixed income commitment) and a growth component (the equity commitment).</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To achieve the Companies (in this context, the "Plan Sponsor") long-term investment objectives, the Trustee will invest the assets of the Plan in a diversified combination of asset classes, investment strategies, and pooled vehicles. The asset allocation guidelines in the table below reflect the plan sponsor&#8217;s risk tolerance and long-term objectives for the Plan. These parameters will be reviewed on a regular basis and subject to change following discussions between the plan sponsor and the Trustee.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Initially, the following asset allocation targets and ranges will guide the Trustee in structuring the overall allocation in the Plan&#8217;s investment portfolio. The plan sponsor or the Trustee may amend these allocations to reflect the most appropriate standards consistent with changing circumstances. Any such fundamental amendments in strategy will be discussed between the</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">plan sponsor and the Trustee prior to implementation.</span></div><div><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock" id="f-3064" continuedAt="f-3064-1" escape="true"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based on the above considerations, the following asset allocation ranges will be implemented:</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">                      </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:39.250%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.783%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.783%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.784%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Asset Allocation Parameters by Asset Class</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Equity</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Target</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maximum</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Large-Cap</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="number" contextRef="c-757" xsi:nil="true" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" id="f-3065"></ix:nonFraction></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-758" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3066">27</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"><ix:nonFraction unitRef="number" contextRef="c-759" xsi:nil="true" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" id="f-3067"></ix:nonFraction></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Mid-Cap</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="number" contextRef="c-760" xsi:nil="true" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" id="f-3068"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-761" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3069">7</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="number" contextRef="c-762" xsi:nil="true" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" id="f-3070"></ix:nonFraction></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Small-Cap</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"><ix:nonFraction unitRef="number" contextRef="c-763" xsi:nil="true" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" id="f-3071"></ix:nonFraction></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-764" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3072">7</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"><ix:nonFraction unitRef="number" contextRef="c-765" xsi:nil="true" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" id="f-3073"></ix:nonFraction></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-U.S.</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="number" contextRef="c-766" xsi:nil="true" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" id="f-3074"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-767" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3075">14</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="number" contextRef="c-768" xsi:nil="true" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" id="f-3076"></ix:nonFraction></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total - Equity</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-769" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3077">45</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-770" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3078">55</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-771" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3079">65</ix:nonFraction>%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total - Fixed Income/Cash Equivalents</span></div></td><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-772" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3080">35</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-773" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3081">45</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-774" decimals="INF" name="us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" scale="-2" id="f-3082">55</ix:nonFraction>%</span></td></tr></table></div></ix:nonNumeric><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The parameters for each asset class provide the Trustee with the latitude for managing the Plan within a minimum and maximum range. The Trustee will have full discretion to buy, sell, invest and reinvest in these asset segments based on these guidelines which includes allowing the underlying investments to fluctuate within the stated policy ranges. The Plan will maintain a cash equivalents component (not to exceed 3 percent under normal circumstances) within the fixed income allocation for liquidity purposes.</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Trustee will monitor the actual asset segment exposures of the Plan on a regular basis and, periodically, may adjust the asset allocation within the ranges set forth above as it deems appropriate. Periodic reallocation of assets will be based on the Trustee&#8217;s perception of the changing risk/return opportunities of the respective asset classes.</span></div></ix:continuation><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">138</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-3003-3" continuedAt="f-3003-4"><ix:continuation id="f-3064-1"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information about the fair value measurements of the investments held by the Retirement Plan as of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:37.350%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.911%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.835%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.373%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.279%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large-cap value </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-775" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3083">12</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-776" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3084">12</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-777" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3085">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-778" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3086">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large-cap growth</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-779" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3087">22</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-780" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3088">22</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-781" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3089">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-782" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3090">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large-cap core </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-783" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3091">17</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-784" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3092">17</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-785" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3093">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-786" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3094">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Mid-cap core </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-787" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3095">15</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-788" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3096">15</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-789" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3097">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-790" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3098">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Small-cap core</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (5)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-791" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3099">16</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-792" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3100">16</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-793" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3101">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-794" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3102">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;International growth </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(6)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-795" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3103">18</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-796" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3104">18</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-797" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3105">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-798" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3106">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;International value </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(7)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-799" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3107">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-800" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3108">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-801" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3109">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-802" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3110">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed Income Funds:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Intermediate - Core Plus</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (8)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-803" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3111">98</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-804" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3112">98</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-805" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3113">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-806" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3114">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity Securities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Company common stock</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-807" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3115">31</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-808" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3116">31</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-809" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3117">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-810" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3118">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common/Collective Trusts-Equity:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large cap value </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(9)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-811" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3119">13</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-812" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3120">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-813" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3121">13</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-814" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3122">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Equivalents:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Money market </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(10)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-815" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3123">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-816" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3124">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="c-817" xsi:nil="true" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" id="f-3125"></ix:nonFraction></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-818" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3126">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3127">253</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-819" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3128">240</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-820" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" scale="6" id="f-3129">13</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-821" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3130">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category consists of a mutual fund holding <ix:nonFraction unitRef="shares" contextRef="c-822" decimals="0" name="fbc:DefinedBenefitPlanPlanAssetsShares" scale="0" id="f-3131">100</ix:nonFraction>-<ix:nonFraction unitRef="shares" contextRef="c-823" decimals="0" name="fbc:DefinedBenefitPlanPlanAssetsShares" scale="0" id="f-3132">160</ix:nonFraction> stocks, designed to track and outperform the Russell 1000 Value Index. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category consists of two mutual funds which invest primarily in large-cap U.S. - based growth companies, one concentrating on long-term capital growth, the other in long-term capital appreciation and current income.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category contains stocks of the S&amp;P 500 Index. The stocks are maintained in approximately the same weightings as the index. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category contains stocks of the CRSP U.S. Mid Cap Index, a broadly diversified index of stocks of medium-size U.S. companies. The stocks are maintained.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category seeks long-term capital appreciation through investment primarily in common stock of small-capitalization companies, with similar risk levels and characteristics to the Russell 2000 Index.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed and emerging markets.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category invests primarily in medium to large well-established non-US companies. Under normal circumstances, at least <ix:nonFraction unitRef="number" contextRef="c-824" decimals="2" name="us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage" scale="0" id="f-3133">80</ix:nonFraction> percent of total assets will be invested in equity securities, including common stocks, preferred stocks, and convertible securities.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category currently includes equal investments in four mutual funds, seeking to outperform the Bloomberg Barclays U.S. Aggregate Bond Index. Two of the funds hold at least <ix:nonFraction unitRef="number" contextRef="c-825" decimals="2" name="us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage" format="ixt:num-dot-decimal" id="f-3134">80</ix:nonFraction> percent in investment grade fixed-income securities while one other holds at least <ix:nonFraction unitRef="number" contextRef="c-826" decimals="2" name="us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage" format="ixt:num-dot-decimal" id="f-3135">65</ix:nonFraction> percent; the fourth fund targets investments of <ix:nonFraction unitRef="number" contextRef="c-827" decimals="3" name="us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage" format="ixt:num-dot-decimal" id="f-3136">50</ix:nonFraction> percent or more in mortgage-backed securities guaranteed by the US government and its agencies.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category contains large-cap stocks with above-average yield. The portfolio typically holds between <ix:nonFraction unitRef="shares" contextRef="c-828" decimals="0" name="fbc:DefinedBenefitPlanPlanAssetsShares" scale="0" id="f-3137">60</ix:nonFraction> and <ix:nonFraction unitRef="shares" contextRef="c-829" decimals="0" name="fbc:DefinedBenefitPlanPlanAssetsShares" scale="0" id="f-3138">70</ix:nonFraction> stocks.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:4.68pt">This category consists of a money market fund and is used for liquidity purposes.</span></div></ix:continuation><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Current Asset Allocation</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:DefinedBenefitPlanPlanAssetsAllocationTableTextBlock" id="f-3139" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The asset allocations for the Retirement Plan were as follows: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:71.462%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.357%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.411%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-770" decimals="3" name="us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations" scale="-2" id="f-3140">61</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-830" decimals="4" name="us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations" scale="-2" id="f-3141">60</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-831" decimals="3" name="us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations" scale="-2" id="f-3142">39</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-832" decimals="4" name="us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations" scale="-2" id="f-3143">38</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash equivalents</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-815" decimals="3" name="us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations" format="ixt:fixed-zero" scale="-2" id="f-3144">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-833" decimals="4" name="us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations" scale="-2" id="f-3145">2</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-755" decimals="3" name="us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations" scale="-2" id="f-3146">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-751" decimals="1" name="us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations" scale="-2" id="f-3147">100</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Determination of Long-Term Rate of Return</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The long-term rate of return on Retirement Plan assets assumption was based on historical returns earned by equities and fixed income securities, and adjusted to reflect expectations of future returns as applied to the Retirement Plan&#8217;s target allocation of asset classes. Equities and fixed income securities were assumed to earn long-term rates of return in the ranges of <ix:nonFraction unitRef="number" contextRef="c-834" decimals="2" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" format="ixt:num-dot-decimal" scale="-2" id="f-3148">6</ix:nonFraction> percent to <ix:nonFraction unitRef="number" contextRef="c-835" decimals="2" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" format="ixt:num-dot-decimal" scale="-2" id="f-3149">8</ix:nonFraction> percent and <ix:nonFraction unitRef="number" contextRef="c-836" decimals="2" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" format="ixt:num-dot-decimal" scale="-2" id="f-3150">3</ix:nonFraction> percent to <ix:nonFraction unitRef="number" contextRef="c-837" decimals="2" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" format="ixt:num-dot-decimal" scale="-2" id="f-3151">5</ix:nonFraction> percent, respectively, with an assumed long-term inflation rate of <ix:nonFraction unitRef="number" contextRef="c-753" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" format="ixt:num-dot-decimal" scale="-2" id="f-3152">2.5</ix:nonFraction> percent reflected within these ranges. When these overall return expectations are applied to the Retirement Plan&#8217;s target allocations, the result is an expected rate of return of <ix:nonFraction unitRef="number" contextRef="c-838" decimals="2" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets" format="ixt:num-dot-decimal" scale="-2" id="f-3153">5</ix:nonFraction> percent to <ix:nonFraction unitRef="number" contextRef="c-839" decimals="2" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets" format="ixt:num-dot-decimal" scale="-2" id="f-3154">7</ix:nonFraction> percent.</span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">139</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-3003-4" continuedAt="f-3003-5"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Expected Contributions</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not expect to contribute to the Retirement Plan in 2023.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Expected Future Annuity Payments</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><ix:nonNumeric contextRef="c-1" name="us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock" id="f-3155" continuedAt="f-3155-1" escape="true"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following annuity payments, which reflect expected future service, as appropriate, are expected to be paid by the Retirement Plan during the years indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:83.402%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.398%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" scale="6" id="f-3156">8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" scale="6" id="f-3157">8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" scale="6" id="f-3158">8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" scale="6" id="f-3159">8</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" scale="6" id="f-3160">8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029 and thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" scale="6" id="f-3161">43</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-755" decimals="-6" name="fbc:DefinedBenefitPlanExpectedFutureBenefitPayment" scale="6" id="f-3162">83</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Qualified Savings Plan (401(k) Plan)</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company maintains a defined contribution qualified savings plan in the form of a 401(k) plan in which all salaried employees are able to participate after one month of service and having attained age 21. The Company instituted a safe harbor matching contribution program during the year ended December 31, 2020, and accordingly, the Company matches a portion of employee 401(k) plan contributions. Such expense totaled $<ix:nonFraction unitRef="usd" contextRef="c-1" decimals="-6" name="us-gaap:DefinedContributionPlanCostRecognized" format="ixt:num-dot-decimal" scale="6" id="f-3163">21</ix:nonFraction>&#160;million and $<ix:nonFraction unitRef="usd" contextRef="c-9" decimals="-6" name="us-gaap:DefinedContributionPlanCostRecognized" format="ixt:num-dot-decimal" scale="6" id="f-3164">7</ix:nonFraction>&#160;million for the year ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, respectively. Flagstar also maintains a defined contribution qualified savings plan in the form of a 401(k) plan in which certain employees are able to participate.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Post-Retirement Health and Welfare Benefits</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company offers certain post-retirement benefits, including medical, dental, and life insurance (the &#8220;Health &amp; Welfare Plan&#8221;) to retired employees, depending on age and years of service at the time of retirement. The costs of such benefits are accrued during the years that an employee renders the necessary service.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Health &amp; Welfare Plan is an unfunded plan and is not expected to hold assets for investment at any time. Any contributions made to the Health &amp; Welfare Plan are used to immediately pay plan premiums and claims as they come due. </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">140</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-3003-5" continuedAt="f-3003-6"><ix:continuation id="f-3057-1" continuedAt="f-3057-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth certain information regarding the Health &amp; Welfare Plan as of the dates indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:64.689%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.712%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.715%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in benefit obligation:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at beginning of year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-840" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligation" scale="6" id="f-3165">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-841" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligation" scale="6" id="f-3166">10</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-842" decimals="-6" name="us-gaap:DefinedBenefitPlanInterestCost" scale="6" id="f-3167">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-843" decimals="-6" name="us-gaap:DefinedBenefitPlanInterestCost" format="ixt:fixed-zero" scale="6" id="f-3168">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial gain</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-842" decimals="-6" name="us-gaap:DefinedBenefitPlanActuarialGainLoss" scale="6" id="f-3169">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-843" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanActuarialGainLoss" scale="6" id="f-3170">2</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premiums and claims paid</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-842" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid" scale="6" id="f-3171">1</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-843" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid" scale="6" id="f-3172">1</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at end of year</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligation" scale="6" id="f-3173">8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-840" decimals="-6" name="us-gaap:DefinedBenefitPlanBenefitObligation" scale="6" id="f-3174">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in plan assets:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at beginning of year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-840" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3175">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-841" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3176">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Employer contribution</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-842" decimals="-6" name="us-gaap:DefinedBenefitPlanContributionsByEmployer" scale="6" id="f-3177">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-843" decimals="-6" name="us-gaap:DefinedBenefitPlanContributionsByEmployer" scale="6" id="f-3178">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premiums and claims paid</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-842" decimals="-6" name="us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid" scale="6" id="f-3179">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-843" decimals="-6" name="us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid" scale="6" id="f-3180">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at end of year</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3181">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-840" decimals="-6" name="us-gaap:DefinedBenefitPlanFairValueOfPlanAssets" format="ixt:fixed-zero" scale="6" id="f-3182">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Funded status (included in &#8220;Other liabilities&#8221;)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanFundedStatusOfPlan" scale="6" id="f-3183">8</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-840" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanFundedStatusOfPlan" scale="6" id="f-3184">7</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes recognized in other comprehensive income for the year ended December 31:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of prior service cost</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="c-842" xsi:nil="true" name="us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" id="f-3185"></ix:nonFraction></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-843" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" format="ixt:fixed-zero" scale="6" id="f-3186">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of actuarial gain</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="c-842" xsi:nil="true" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" id="f-3187"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-843" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" format="ixt:fixed-zero" scale="6" id="f-3188">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net actuarial (gain) loss arising during the year</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-842" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" scale="6" id="f-3189">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-843" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" scale="6" id="f-3190">2</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total recognized in other comprehensive income for the year (pre-tax)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-842" decimals="-6" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax" scale="6" id="f-3191">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-843" decimals="-6" sign="-" name="us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax" scale="6" id="f-3192">2</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated other comprehensive (gain) loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior service cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"><ix:nonFraction unitRef="usd" contextRef="c-844" xsi:nil="true" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax" id="f-3193"></ix:nonFraction></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-840" decimals="-6" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax" format="ixt:fixed-zero" scale="6" id="f-3194">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial (gain) loss, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax" scale="6" id="f-3195">1</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-840" decimals="-6" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax" scale="6" id="f-3196">2</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accumulated other comprehensive income (pre-tax)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax" scale="6" id="f-3197">1</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-840" decimals="-6" sign="-" name="us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax" scale="6" id="f-3198">2</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"/></tr></table></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The discount rates used in the preceding table were <ix:nonFraction unitRef="number" contextRef="c-845" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" format="ixt:num-dot-decimal" scale="-2" id="f-3199">4.6</ix:nonFraction> percent at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and <ix:nonFraction unitRef="number" contextRef="c-846" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" format="ixt:num-dot-decimal" id="f-3200">4.8</ix:nonFraction> percent at December&#160;31, 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated net actuarial loss and the prior service liability that will be amortized from AOCL into net periodic benefit cost in 2024 are less than $<ix:nonFraction unitRef="usd" contextRef="c-847" decimals="-6" name="us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost" format="ixt:num-dot-decimal" scale="6" id="f-3201">1</ix:nonFraction>&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The net periodic benefit costs and all components thereof for the years-ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022 were less than $<ix:nonFraction unitRef="usd" contextRef="c-848" decimals="-6" name="us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost" format="ixt:num-dot-decimal" scale="6" id="f-3202"><ix:nonFraction unitRef="usd" contextRef="c-849" decimals="-6" name="us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost" format="ixt:num-dot-decimal" scale="6" id="f-3203">1</ix:nonFraction></ix:nonFraction>&#160;million.</span></div><div style="text-align:justify"><span><br/></span></div><ix:continuation id="f-3057-2"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:64.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.152%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount rate</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-842" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" scale="-2" id="f-3204">4.8</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-843" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" scale="-2" id="f-3205">2.3</ix:nonFraction>%</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-850" decimals="3" name="us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" scale="-2" id="f-3206">2.0</ix:nonFraction>%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current medical trend rate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-844" decimals="3" name="fbc:DefinedBenefitPlanCurrentMedicalTrendRate" scale="0" id="f-3207">6.5</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-840" decimals="3" name="fbc:DefinedBenefitPlanCurrentMedicalTrendRate" scale="0" id="f-3208">6.5</ix:nonFraction></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-841" decimals="3" name="fbc:DefinedBenefitPlanCurrentMedicalTrendRate" scale="0" id="f-3209">6.5</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ultimate trend rate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-844" decimals="3" name="us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1" scale="0" id="f-3210">5.0</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-840" decimals="3" name="us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1" scale="0" id="f-3211">5.0</ix:nonFraction></span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="number" contextRef="c-841" decimals="3" name="us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1" scale="0" id="f-3212">5.0</ix:nonFraction></span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year when ultimate trend rate will be reached</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-842" name="us-gaap:DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate" id="f-3213">2029</ix:nonNumeric></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-843" name="us-gaap:DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate" id="f-3214">2028</ix:nonNumeric></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonNumeric contextRef="c-850" name="us-gaap:DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate" id="f-3215">2027</ix:nonNumeric></span></td></tr></table></div></ix:continuation><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Expected Contributions</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company expects to contribute $<ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" format="ixt:num-dot-decimal" scale="6" id="f-3216">1</ix:nonFraction>&#160;million to the Health &amp; Welfare Plan to pay premiums and claims in the fiscal year ending </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. </span></div></ix:continuation><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">141</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:continuation id="f-3003-6"><div style="margin-top:12pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Expected Future Payments for Premiums and Claims</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><ix:continuation id="f-3155-1"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following amounts are currently expected to be paid for premiums and claims during the years indicated under the Health &amp; Welfare Plan: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:82.426%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.374%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" scale="6" id="f-3217">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" scale="6" id="f-3218">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" scale="6" id="f-3219">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" scale="6" id="f-3220">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" scale="6" id="f-3221">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029 and thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" scale="6" id="f-3222">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-844" decimals="-6" name="fbc:DefinedBenefitPlanExpectedFutureBenefitPayment" scale="6" id="f-3223">7</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:continuation></ix:continuation><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_4947802327595"></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 21 - <ix:nonNumeric contextRef="c-1" name="us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" id="f-3224" continuedAt="f-3224-1" escape="true">Parent Company-Only Financial Information</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-3224-1" continuedAt="f-3224-2"><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedBalanceSheetTableTextBlock" id="f-3225" escape="true"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the condensed financial statements for New York Community Bancorp, Inc. (Parent Company only):</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Condensed Statements of Condition </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"><tr><td style="width:1.0%"/><td style="width:69.479%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.015%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.988%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.018%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ASSETS:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" scale="6" id="f-3226">158</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:CashAndCashEquivalentsAtCarryingValue" scale="6" id="f-3227">121</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Investments in subsidiaries</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-3228">9,160</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" format="ixt:num-dot-decimal" scale="6" id="f-3229">9,633</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:OtherAssets" scale="6" id="f-3230">80</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:OtherAssets" scale="6" id="f-3231">85</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3232">9,398</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:Assets" format="ixt:num-dot-decimal" scale="6" id="f-3233">9,839</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">LIABILITIES AND STOCKHOLDERS&#8217; EQUITY:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior subordinated debentures</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-3234">579</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" scale="6" id="f-3235">575</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subordinated notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:SubordinatedDebt" scale="6" id="f-3236">438</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:SubordinatedDebt" scale="6" id="f-3237">432</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:OtherLiabilities" scale="6" id="f-3238">14</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:OtherLiabilities" scale="6" id="f-3239">8</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-3240">1,031</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:Liabilities" format="ixt:num-dot-decimal" scale="6" id="f-3241">1,015</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stockholders&#8217; equity</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-3242">8,367</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:StockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-3243">8,824</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities and stockholders&#8217; equity</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-3244">9,398</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:LiabilitiesAndStockholdersEquity" format="ixt:num-dot-decimal" scale="6" id="f-3245">9,839</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedIncomeStatementTableTextBlock" id="f-3246" escape="true"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Condensed Statements of Income </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:64.733%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.457%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dividends received from subsidiaries</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:DividendIncomeOperating" scale="6" id="f-3247">580</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:DividendIncomeOperating" scale="6" id="f-3248">335</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:DividendIncomeOperating" scale="6" id="f-3249">380</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:OtherIncome" scale="6" id="f-3250">2</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:OtherIncome" scale="6" id="f-3251">160</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:OtherIncome" scale="6" id="f-3252">1</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross income</span></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:InterestAndDividendIncomeOperating" scale="6" id="f-3253">582</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:InterestAndDividendIncomeOperating" scale="6" id="f-3254">495</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:InterestAndDividendIncomeOperating" scale="6" id="f-3255">381</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating expenses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:OperatingCostsAndExpenses" scale="6" id="f-3256">108</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:OperatingCostsAndExpenses" scale="6" id="f-3257">55</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:OperatingCostsAndExpenses" scale="6" id="f-3258">50</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income tax benefit and equity in undistributed<br/>   (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" scale="6" id="f-3259">474</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" scale="6" id="f-3260">440</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" scale="6" id="f-3261">331</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-3262">25</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-3263">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" sign="-" name="us-gaap:IncomeTaxExpenseBenefit" scale="6" id="f-3264">14</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before equity in undistributed (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="fbc:NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" scale="6" id="f-3265">499</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="fbc:NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" scale="6" id="f-3266">454</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="fbc:NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" scale="6" id="f-3267">345</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity in undistributed (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" sign="-" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" scale="6" id="f-3268">578</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" scale="6" id="f-3269">196</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" scale="6" id="f-3270">251</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" sign="-" name="us-gaap:NetIncomeLoss" scale="6" id="f-3271">79</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-3272">650</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-3273">596</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div></ix:nonNumeric></ix:continuation><div style="text-align:justify"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">142</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><ix:nonNumeric contextRef="c-1" name="srt:ScheduleOfCondensedCashFlowStatementTableTextBlock" id="f-3274" continuedAt="f-3274-1" escape="true"><ix:continuation id="f-3224-2" continuedAt="f-3224-3"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Condensed Statements of Cash Flows </span></div></ix:continuation></ix:nonNumeric><div style="text-align:justify"><span><br/></span></div><div><ix:continuation id="f-3274-1"><ix:continuation id="f-3224-3"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:64.733%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.457%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM OPERATING ACTIVITIES:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" sign="-" name="us-gaap:NetIncomeLoss" scale="6" id="f-3275">79</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-3276">650</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:NetIncomeLoss" scale="6" id="f-3277">596</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in other assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" scale="6" id="f-3278">30</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" scale="6" id="f-3279">3</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:IncreaseDecreaseInOtherOperatingAssets" scale="6" id="f-3280">22</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in other liabilities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" scale="6" id="f-3281">6</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" scale="6" id="f-3282">4</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:IncreaseDecreaseInOtherOperatingLiabilities" scale="6" id="f-3283">1</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other, net</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingCapitalNet" scale="6" id="f-3284">65</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:IncreaseDecreaseInOtherOperatingCapitalNet" scale="6" id="f-3285">130</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" sign="-" name="us-gaap:IncreaseDecreaseInOtherOperatingCapitalNet" scale="6" id="f-3286">32</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity in undistributed (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" sign="-" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" scale="6" id="f-3287">578</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" scale="6" id="f-3288">196</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:IncomeLossFromSubsidiariesNetOfTax" scale="6" id="f-3289">251</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash provided by operating activities</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" scale="6" id="f-3290">600</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" scale="6" id="f-3291">317</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:NetCashProvidedByUsedInOperatingActivities" scale="6" id="f-3292">356</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM INVESTING ACTIVITIES:</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash acquired in business acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:CashAcquiredFromAcquisition" format="ixt:fixed-zero" scale="6" id="f-3293">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:CashAcquiredFromAcquisition" scale="6" id="f-3294">34</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:CashAcquiredFromAcquisition" format="ixt:fixed-zero" scale="6" id="f-3295">&#8212;</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in receivable from subsidiaries, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="fbc:NetChangeInReceivableFromSubsidiaries" scale="6" id="f-3296">32</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" sign="-" name="fbc:NetChangeInReceivableFromSubsidiaries" scale="6" id="f-3297">5</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="fbc:NetChangeInReceivableFromSubsidiaries" scale="6" id="f-3298">3</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash (used in) provided by investing activities</span></div></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" sign="-" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" scale="6" id="f-3299">32</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" scale="6" id="f-3300">39</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" sign="-" name="us-gaap:NetCashProvidedByUsedInInvestingActivities" scale="6" id="f-3301">3</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM FINANCING ACTIVITIES:</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Treasury stock repurchased</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:PaymentsForRepurchaseOfCommonStock" scale="6" id="f-3302">12</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:PaymentsForRepurchaseOfCommonStock" scale="6" id="f-3303">24</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:PaymentsForRepurchaseOfCommonStock" scale="6" id="f-3304">16</ix:nonFraction>)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash dividends paid on common and preferred stock</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:PaymentsOfOrdinaryDividends" scale="6" id="f-3305">519</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" name="us-gaap:PaymentsOfOrdinaryDividends" scale="6" id="f-3306">350</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" name="us-gaap:PaymentsOfOrdinaryDividends" scale="6" id="f-3307">349</ix:nonFraction>)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash used in financing activities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" scale="6" id="f-3308">531</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" scale="6" id="f-3309">374</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" sign="-" name="us-gaap:NetCashProvidedByUsedInFinancingActivities" scale="6" id="f-3310">365</ix:nonFraction>)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net increase (decrease) in cash and cash equivalents</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-851" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" scale="6" id="f-3311">37</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-852" decimals="-6" sign="-" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" scale="6" id="f-3312">18</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(<ix:nonFraction unitRef="usd" contextRef="c-853" decimals="-6" sign="-" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" scale="6" id="f-3313">12</ix:nonFraction>)</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents at beginning of year</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" scale="6" id="f-3314">121</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-854" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" scale="6" id="f-3315">139</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-855" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" scale="6" id="f-3316">151</ix:nonFraction>&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents at end of year</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-498" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" scale="6" id="f-3317">158</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-499" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" scale="6" id="f-3318">121</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#cceeff;padding:0 1pt"/><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><ix:nonFraction unitRef="usd" contextRef="c-854" decimals="-6" name="us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" scale="6" id="f-3319">139</ix:nonFraction>&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></ix:continuation></ix:continuation><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2928"></div><div style="margin-top:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Note 22 - <ix:nonNumeric contextRef="c-1" name="us-gaap:SubsequentEventsTextBlock" id="f-3320" continuedAt="f-3320-1" escape="true">Subsequent Events</ix:nonNumeric></span></div><div><span><br/></span></div><ix:continuation id="f-3320-1"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loan Sales</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 29, 2024, the Company sold the commercial co-operative loan classified as held for sale at a gain. Additionally, on March 13, 2024 the Company completed a sale of consumer loans with a net book value of  $<ix:nonFraction unitRef="usd" contextRef="c-856" decimals="-6" name="us-gaap:FinancingReceivableSale" format="ixt:num-dot-decimal" scale="6" id="f-3321">899</ix:nonFraction>&#160;million. These two sales will be recorded in the quarter ended March 31, 2024 and will result in a net gain.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Equity Capital Raise</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 7, 2024, we entered into separate investment agreements with affiliates of funds managed by Liberty and certain other investors. The Investors invested an aggregate of approximately $<ix:nonFraction unitRef="usd" contextRef="c-857" decimals="-6" name="us-gaap:FinancingReceivableSale" format="ixt:num-dot-decimal" scale="9" id="f-3322">1.05</ix:nonFraction>&#160;billion in the Company in exchange for the sale and issuance by the Company of (a) <ix:nonFraction unitRef="shares" contextRef="c-857" decimals="0" name="us-gaap:SaleOfStockNumberOfSharesIssuedInTransaction" format="ixt:num-dot-decimal" scale="0" id="f-3323">76,630,965</ix:nonFraction> shares of our common stock, at a purchase price per share of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-858" decimals="2" name="us-gaap:SaleOfStockPricePerShare" scale="0" id="f-3324">2.00</ix:nonFraction>, (b) <ix:nonFraction unitRef="shares" contextRef="c-859" decimals="0" name="us-gaap:SaleOfStockNumberOfSharesIssuedInTransaction" format="ixt:num-dot-decimal" scale="0" id="f-3325">192,062</ix:nonFraction> shares of a new series of our preferred stock, par value  $<ix:nonFraction unitRef="usdPerShare" contextRef="c-860" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-3326">0.01</ix:nonFraction> per share, designated as Series B Preferred Stock, at a price per share of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-860" decimals="2" name="us-gaap:SaleOfStockPricePerShare" format="ixt:num-dot-decimal" scale="0" id="f-3327">2,000</ix:nonFraction>, each share of which is convertible into 1,000 shares of common stock (or, in certain limited circumstances, one share of Series C Preferred Stock), (c) <ix:nonFraction unitRef="shares" contextRef="c-861" decimals="0" name="us-gaap:SaleOfStockNumberOfSharesIssuedInTransaction" format="ixt:num-dot-decimal" scale="0" id="f-3328">256,307</ix:nonFraction> shares of a new series of our preferred stock, par value $<ix:nonFraction unitRef="usdPerShare" contextRef="c-862" decimals="2" name="us-gaap:PreferredStockParOrStatedValuePerShare" scale="0" id="f-3329">0.01</ix:nonFraction> per share, designated as Series C Preferred Stock, at a price per share of $<ix:nonFraction unitRef="usdPerShare" contextRef="c-862" decimals="2" name="us-gaap:SaleOfStockPricePerShare" format="ixt:num-dot-decimal" scale="0" id="f-3330">2,000</ix:nonFraction>, each share of which is convertible into <ix:nonFraction unitRef="shares" contextRef="c-862" decimals="INF" name="us-gaap:ConvertiblePreferredStockSharesIssuedUponConversion" format="ixt:num-dot-decimal" scale="0" id="f-3331">1,000</ix:nonFraction> shares of common stock, and (d) warrants affording the holder thereof the right, until the seven-year anniversary of the issuance of such warrant, to purchase for $<ix:nonFraction unitRef="usdPerShare" contextRef="c-862" decimals="2" name="us-gaap:PreferredStockConvertibleConversionPrice" format="ixt:num-dot-decimal" scale="0" id="f-3332">2,500</ix:nonFraction> per share, shares of Series D NVCE Stock, each share of Series D NVCE Stock  is convertible into <ix:nonFraction unitRef="shares" contextRef="c-862" decimals="INF" name="us-gaap:ConvertiblePreferredStockSharesIssuedUponConversion" format="ixt:num-dot-decimal" scale="0" id="f-3333">1,000</ix:nonFraction> shares of common stock (or, in certain limited circumstances, one share of Series C Preferred Stock), and all of which shares of Series D NVCE Stock, upon issuance, will represent the right (on an as converted basis) to receive <ix:nonFraction unitRef="usd" contextRef="c-863" decimals="-6" name="us-gaap:WarrantsAndRightsOutstanding" format="ixt:num-dot-decimal" scale="0" id="f-3334">315,000,000</ix:nonFraction> shares of common stock. The transaction closed on March 11, 2024.</span></div></ix:continuation><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257751"></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">143</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_3118"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Report of Independent Registered Public Accounting Firm </span></td></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To the Stockholders and Board of Directors </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">New York Community Bancorp, Inc.: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Opinion on the Consolidated Financial Statements </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have audited the accompanying consolidated statements of condition of New York Community Bancorp, Inc. and subsidiaries (the Company) as of December 31, 2023 and 2022, the related consolidated statements of (loss) income and comprehensive (loss) income, changes in stockholders&#8217; equity, and cash flows for each of the years in the three-year period ended December 31, 2023, and the related notes (collectively, the consolidated financial statements). In our opinion, the consolidated financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2023 and 2022, and the results of its operations and its cash flows for each of the years in the three-year period ended December 31, 2023, in conformity with U.S. generally accepted accounting principles.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company&#8217;s internal control over financial reporting as of December 31, 2023, based on criteria established in Internal Control &#8211; Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission, and our report dated March 14, 2024 expressed an adverse opinion on the effectiveness of the Company&#8217;s internal control over financial reporting.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Basis for Opinion </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These consolidated financial statements are the responsibility of the Company&#8217;s management. Our responsibility is to express an opinion on these consolidated financial statements based on our audits. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the consolidated financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the consolidated financial statements. We believe that our audits provide a reasonable basis for our opinion.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Critical Audit Matters </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The critical audit matters communicated below are matters arising from the current period audit of the consolidated financial statements that were communicated or required to be communicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the consolidated financial statements and (2) involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or disclosures to which they relate.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Goodwill Impairment</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed in Notes 2 and 16 to the consolidated financial statements, the Company recorded an impairment charge of its entire goodwill balance of $2.4 billion as of December 31, 2023. The Company evaluates goodwill for impairment at least annually or when triggering events are identified. The Company utilizes a market approach to determine the fair value of its single reporting unit, which considers how a market participant would view a control premium, complemented by an income approach if deemed necessary. As of December 31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price, a control premium for recently completed bank acquisitions, and an adjustment for Company-specific risk considerations based on subsequent confirming market evidence. The adjusted market capitalization was then compared to the Company&#8217;s carrying value to determine the extent of any shortfall. The calculated shortfall was in excess of the goodwill balance as of December 31, 2023. </span></div><div style="text-indent:18pt"><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">144</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We identified the assessment of goodwill for impairment as a critical audit matter. A high degree of audit effort, including specialized skills and knowledge, and subjective and complex auditor judgment was involved in the evaluation of the market approach and significant unobservable assumptions which included the control premium and Company-specific risk considerations. There was also a high degree of subjectivity and potential for management bias related to the timing and magnitude of adjustments made to the key assumptions used in the valuation. </span></div><div style="text-indent:18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following are the primary procedures we performed to address this critical audit matter. We evaluated the design and tested the operating effectiveness of certain internal controls related to the Company&#8217;s goodwill impairment analysis, including internal controls over the development of the market approach and the determination of the control premium and the impact of Company-specific risk considerations. </span></div><div style="text-indent:18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, we involved valuation professionals with specialized skills and knowledge who assisted in:</span></div><div style="text-indent:18pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the reasonableness of the valuation approach used for compliance with U.S. generally accepted accounting principles</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the control premium assumption by comparing to data from recently completed peer bank acquisitions</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the adjustment for Company-specific risk considerations based on confirming market evidence from events occurring after the measurement date.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for credit losses on loans and leases evaluated on a collective basis</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed in Notes 2 and 7 to the consolidated financial statements, the Company&#8217;s total allowance for credit losses (ACL) on loans and leases as of December 31, 2023 was $992 million, a substantial portion of which is related to the one-to-four family first mortgage, multi-family, commercial and industrial, specialty finance, and commercial real estate portfolio segments measured on a collective basis when similar risk characteristics exist (collective ACL). Management estimates the collective ACL by projecting and multiplying together the probability-of-default (PD), loss-given-default (LGD) and exposure-at-default depending on economic parameters for each month of the remaining contractual term. The loss drivers for certain loans within the commercial and industrial portfolio are derived using credit ratings. The Company estimates the exposure-at-default using prepayment models which forecasts prepayments over the life of the loans and leases. The economic forecast and the related economic parameters are developed using multiple economic forecast scenarios, including related weightings, over the reasonable and supportable forecast period. After the reasonable and supportable forecast period, the Company reverts to a historical average loss rate on a straight-line basis over 12 months. Historical credit loss experience over the historical loss observation period provides the basis for the estimation of expected credit losses, with qualitative factor adjustments made for differences in current loan-specific risk characteristics as well as for changes in environmental conditions.</span></div><div style="text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We identified the assessment of the collective ACL as a critical audit matter. A high degree of audit effort, including specialized skills and knowledge, and subjective and complex auditor judgment was involved in the assessment due to significant measurement uncertainty. Specifically, the assessment encompassed the evaluation of the collective ACL methodology, including the methods and models used to estimate the PD, LGD, and prepayments and their significant assumptions. Such significant assumptions included portfolio segmentation, the selection of the multiple economic forecast scenarios including related weightings, economic parameters, credit ratings, the reasonable and supportable forecast period, the reversion period and the historical loss observation period. The assessment also included the evaluation of the qualitative factor adjustments and their significant assumptions for differences in loan-specific risk characteristics and changes in environmental conditions. The assessment also included an evaluation of the conceptual soundness and performance of the PD, LGD, and prepayment models. In addition, auditor judgment was required to evaluate the sufficiency of audit evidence obtained.</span></div><div style="text-indent:18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following are the primary procedures we performed to address this critical audit matter. We evaluated the design and tested the operating effectiveness of certain internal controls related to the Company&#8217;s measurement of the collective ACL estimate, including controls over the:</span></div><div style="text-indent:18pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">development of the collective ACL methodology</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">continued use and appropriateness of the PD, LGD, and prepayment models</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">performance monitoring of the PD, LGD, and prepayment models</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">145</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">identification and determination of the significant assumptions used in the PD, LGD, and prepayment models</span></div><div style="padding-left:36pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">development of the qualitative factor adjustments, including the significant assumptions used in the measurement of the qualitative factors</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">analysis of the collective ACL results, trends, and ratios.</span></div><div style="text-indent:18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We evaluated the Company&#8217;s process to develop the collective ACL estimate by testing certain sources of data, factors, and assumptions that the Company used, and considered the relevance and reliability of such data, factors, and assumptions. In addition, we involved credit risk and valuation professionals with specialized skills and knowledge, who assisted in: </span></div><div style="text-indent:18pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the Company&#8217;s collective ACL methodology for compliance with U.S. generally accepted accounting principles</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating judgments made by the Company relative to the assessment and performance testing of the PD, LGD, and prepayment models by comparing them to relevant Company-specific metrics and trends and the applicable industry and regulatory practices</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">assessing the conceptual soundness and performance of the PD, LGD, and prepayment models by inspecting the model documentation to determine whether the models are suitable for their intended use</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the selection of the multiple economic forecast scenarios including the related weightings, and underlying economic parameters by comparing them to the Company&#8217;s business environment and relevant industry practices</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the length of the reasonable and supportable forecast period, the reversion period and the historical loss observation periods by comparing them to specific portfolio risk characteristics and trends</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">testing individual credit ratings for a selection of certain borrower relationships by evaluating the financial performance of the borrower, sources of repayment, and any relevant guarantees or underlying collateral</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">determining whether the loan portfolio is segmented by similar risk characteristics by comparing to the Company&#8217;s business environment and relevant industry practice</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the methodology used to develop the qualitative factor adjustments and their significant assumptions and the effect of those adjustments on the collective ACL compared with relevant credit risk factors, current collateral valuations, and consistency with credit trends and identified limitations of the underlying quantitative models.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also assessed the sufficiency of the audit evidence obtained related to the collective ACL estimate by evaluating the:</span></div><div style="text-indent:18pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">determination of cumulative results of the audit procedures</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">qualitative aspects of the Company&#8217;s accounting practices</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">potential bias in the accounting estimate.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair value measurements of acquired loans and core deposit intangible asset</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed in Note 3 to the consolidated financial statements, the Company acquired certain assets and assumed certain liabilities of Signature Bridge Bank, N.A. on March 20, 2023. The Company accounted for this transaction as a business combination with the assets acquired and liabilities assumed being measured based on their estimated fair values. As part of the acquisition, the Company acquired loans and established a core deposit intangible (CDI) asset with a fair value of $12.0 billion and $464 million, respectively. The fair value of acquired loans was based on a discounted cash flow methodology which incorporated discount rates, prepayment rates, probability of default and loss given default rates, and other market assumptions. The fair value of the CDI asset was measured using a discounted cash flow methodology which utilized discount rates, customer attrition rates, and other market assumptions.</span></div><div style="text-indent:18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We identified the assessment of the fair value measurements of acquired loans and the CDI asset at the acquisition date as a critical audit matter. A high degree of audit effort, including specialized skills and knowledge, and subjective and complex </span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">146</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">auditor judgment was involved in the assessment of the fair value measurements due to significant measurement uncertainty. Specifically, the assessment of the fair value measurements involved an evaluation of the valuation methodologies and certain significant assumptions: including discount rates, prepayment rates, probability of default and loss given default rates for acquired loans; and discount rates and customer attrition rates for the CDI asset.</span></div><div style="text-indent:18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following are the primary procedures we performed to address this critical audit matter. We evaluated the design and tested the operating effectiveness of certain internal controls related to the Company&#8217;s fair value measurements of acquired loans and the CDI asset at the acquisition date. This included controls related to the (1) determination of certain significant assumptions used in the discounted cash flow methodologies for acquired loans and the CDI asset, and (2) assessment of the overall fair value measurement for acquired loans and the CDI asset. We evaluated the Company&#8217;s process to determine the estimated fair value of the CDI asset at the acquisition date by testing certain sources of data and subjective assumptions that the Company used and considered the relevance and reliability of such data and subjective assumptions. In addition, we involved valuation professionals with specialized skills and knowledge, who assisted in:</span></div><div style="text-indent:18pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the Company&#8217;s fair value methodologies for compliance with U.S. generally accepted accounting principles</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">assessing the Company&#8217;s estimate of fair value of acquired loans by developing independent ranges of fair values, using market participant derived discount rates, prepayment rates, and probability of default and loss given default rates, and comparing them to the Company&#8217;s estimate of fair value and</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the discount rates and customer attrition rates by comparing the information used to develop such assumptions to market data and deposit activity observed subsequent to the acquisition date.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair value measurement of mortgage servicing rights</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As discussed in Notes 9 and 18 to the consolidated financial statements, the Company&#8217;s mortgage servicing rights (MSRs) as of December 31, 2023 was $1.1 billion. The Company purchases and originates mortgage loans for sale to the secondary market and sells certain of these loans on a servicing-retained basis. For these loans, the Company recognizes a MSR at the time of sale which is recorded at fair value. The Company uses an internal valuation model which utilizes an option-adjusted spread, constant prepayment rate, costs to service and other assumptions to determine the fair value of the MSRs. The Company obtains independent third-party valuations of the estimated fair value of MSRs on a quarterly basis to assess the reasonableness of the Company&#8217;s internal fair value estimate.</span></div><div style="text-indent:18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We identified the assessment of the fair value measurement of MSRs as a critical audit matter. A high degree of audit effort, including specialized skills and knowledge, and subjective and complex auditor judgment was involved in the assessment of the internal valuation model and significant unobservable assumptions, which included option-adjusted spread and constant prepayment rate. There was also a high degree of subjectivity and potential for management bias related to the timing and magnitude of adjustments made to the significant assumptions used in the valuation.</span></div><div style="text-indent:18pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following are the primary procedures we performed to address this critical audit matter. We evaluated the design and tested the operating effectiveness of certain internal controls related to the Company&#8217;s fair value measurement of MSRs. This included controls related to:</span></div><div style="text-indent:18pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">assessment of the internal valuation model</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluation of certain significant assumptions used in estimating the fair value</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">comparison of the MSR fair value to independent valuations.</span></div><div style="padding-left:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We evaluated the Company&#8217;s process to determine the estimated fair value of MSRs by testing certain sources of data and subjective assumptions that the Company used and considered the relevance and reliability of such data and subjective assumptions. In addition, we involved valuation professionals with specialized skills and knowledge, who assisted in:</span></div><div style="text-indent:18pt"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the design of the internal valuation model used to estimate the MSR fair value in accordance with relevant U.S. generally accepted accounting principles</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">147</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">evaluating the significant assumptions, including the timing of any significant updates made to the assumptions during the year, based on an analysis of backtesting results and a comparison of significant assumptions to available data for comparable entities and independent third-party valuations.</span></div><div><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:43.859%"><tr><td style="width:1.0%"/><td style="width:98.900%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">/s/ KPMG LLP</span></div></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">We have served as the Company&#8217;s auditor since 1993. </span></div></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"><ix:nonNumeric contextRef="c-1" name="dei:AuditorLocation" id="f-3335">New York, New York</ix:nonNumeric></span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">March 14, 2024</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span><br/></span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">148</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_3136"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Report of Independent Registered Public Accounting Firm </span></td></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To the Stockholders and Board of Directors </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">New York Community Bancorp, Inc.: </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Opinion on Internal Control Over Financial Reporting</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have audited New York Community Bancorp, Inc. and subsidiaries' (the Company) internal control over financial reporting as of December 31, 2023, based on criteria established in Internal Control &#8211; Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission. In our opinion, because of the effect of the material weaknesses, described below, on the achievement of the objectives of the control criteria, the Company has not maintained effective internal control over financial reporting as of December 31, 2023, based on criteria established in Internal Control &#8211; Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission.   </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the consolidated statements of condition of the Company as of December 31, 2023 and 2022, the related consolidated statements of (loss) income and comprehensive (loss) income, changes in stockholders&#8217; equity, and cash flows for each of the years in the three-year period ended December 31, 2023, and the related notes (collectively, the consolidated financial statements), and our report dated March 14, 2024 expressed an unqualified opinion on those consolidated financial statements.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A material weakness is a deficiency, or a combination of deficiencies, in internal control over financial reporting, such that there is a reasonable possibility that a material misstatement of the company&#8217;s annual or interim financial statements will not be prevented or detected on a timely basis. Material weaknesses related to the following have been identified and included in management&#8217;s assessment:</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Company's Board of Directors did not exercise sufficient oversight responsibilities, which led to the Company lacking a sufficient complement of qualified leadership resources to conduct effective risk assessment and monitoring activities,</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Company lacked effective periodic risk assessment processes to identify and timely respond to emerging risks in certain financial reporting processes and related internal controls, including internal loan review, that were responsive to changes in the business operations and regulatory and economic environments in which the Company operates,</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Company&#8217;s recurring monitoring activities over process level control activities, including internal loan review, were not operating effectively, and</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">the Company did not sufficiently maintain effective control activities related to internal loan review. Specifically, the Company&#8217;s internal loan review processes lacked an appropriate framework to ensure that ratings were consistently accurate, timely, and appropriately challenged. These ineffective controls impact the Company&#8217;s ability to accurately disclose loan rating classifications, identify problem loans, and ultimately the recognition of the allowance for credit losses on loans and leases.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The material weaknesses were considered in determining the nature, timing, and extent of audit tests applied in our audit of the 2023 consolidated financial statements, and this report does not affect our report on those consolidated financial statements.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company acquired Signature Bridge Bank, N.A. during 2023, and management excluded from its assessment of the effectiveness of the Company&#8217;s internal control over financial reporting as of December 31, 2023, Signature Bridge Bank, N.A.&#8217;s internal control over financial reporting associated with total acquired assets of approximately $38 billion and total revenues associated with the acquired assets and liabilities assumed of approximately $1 billion included in the consolidated financial statements of the Company as of and for the year ended December 31, 2023. Our audit of internal control over financial reporting of the Company also excluded an evaluation of the internal control over financial reporting of Signature Bridge Bank, N.A.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">149</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Basis for Opinion</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management's Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the Company&#8217;s internal control over financial reporting based on our audit. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audit also included performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Definition and Limitations of Internal Control Over Financial Reporting</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A company&#8217;s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company&#8217;s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company&#8217;s assets that could have a material effect on the financial statements.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:21.198%"><tr><td style="width:1.0%"/><td style="width:12.693%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:85.107%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">/s/</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"><ix:nonNumeric contextRef="c-1" name="dei:AuditorName" id="f-3336">KPMG LLP</ix:nonNumeric></span></div></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"><ix:nonNumeric contextRef="c-1" name="dei:AuditorLocation" id="f-3337">New York, New York</ix:nonNumeric></span></td></tr><tr><td colspan="6" style="border-right:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">March 14, 2024</span></td></tr></table></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">150</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257687"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 9.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Changes in and Disagreement with Accountants on Accounting and Financial Disclosures</span></td></tr></table></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">None.</span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257701"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 9A.</span></td><td colspan="3" style="padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Controls and Procedures</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(a) Evaluation of Disclosure Controls and Procedures </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the supervision, and with the participation, of our Chief Executive Officer and Chief Financial Officer, our management evaluated the effectiveness of the design and operation of the Company&#8217;s disclosure controls and procedures pursuant to Rule 13a-15(b), as adopted by the Securities and Exchange Commission (the &#8220;SEC&#8221;) under the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;). Based upon that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that the Company&#8217;s disclosure controls and procedures were not effective as of the end of the period covered by this annual report because of the material weaknesses in internal control over financial reporting described below. Notwithstanding the material weaknesses, based on additional analyses and other procedures performed, management concluded that the financial statements included in this report fairly present in all material respects our financial position, results of operations, capital position, and cash flows for the periods presented in conformity with GAAP.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Per Rules 13a-15(e) and 15d-15(e), disclosure controls and procedures are the controls and other procedures that are designed to ensure that information required to be disclosed in the reports that the Company files or submits under the Exchange Act is recorded, processed, summarized, and reported within the time periods specified in the SEC&#8217;s rules and forms. Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed in the reports that the Company files or submits under the Exchange Act is accumulated and communicated to management, including the Chief Executive Officer and Chief Financial Officer, or persons performing similar functions, as appropriate, to allow timely decisions regarding required disclosure. </span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(b) Management&#8217;s Report on Internal Control over Financial Reporting </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management of the Company is responsible for establishing and maintaining adequate internal control over financial reporting (as defined in Rules 13a-15(f) and 15d-15(f) of the Exchange Act). Our system of internal control is designed under the supervision of management, including our Chief Executive Officer and Chief Financial Officer, to provide reasonable assurance regarding the reliability of our financial reporting and the preparation of the Company&#8217;s financial statements for external reporting purposes in accordance with U.S. generally accepted accounting principles (&#8220;GAAP&#8221;). </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our internal control over financial reporting includes policies and procedures that pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect transactions and dispositions of assets of the Company; provide reasonable assurances that transactions are recorded as necessary to permit preparation of financial statements in accordance with GAAP, and that receipts and expenditures are made only in accordance with the authorization of management and the Boards of Directors of the Company and provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the Company&#8217;s assets that could have a material effect on our financial statements. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that the controls may become inadequate because of changes in conditions or that the degree of compliance with policies and procedures may deteriorate. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company acquired certain assets and assumed certain liabilities of Signature Bridge Bank, N.A. on March 20, 2023. The scope of management&#8217;s assessment of the effectiveness of the Company&#8217;s internal control over financial reporting as of December 31, 2023, excludes the internal control over financial reporting associated with total acquired assets of approximately $38&#160;billion and total revenues associated with the acquired assets and liabilities assumed of approximately $1&#160;billion included in the consolidated financial statements of the Company as of and for the year ended December 31, 2023.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2023, management assessed the effectiveness of the Company&#8217;s internal control over financial reporting based upon the framework established in </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Internal Control&#8212;Integrated Framework (2013)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> issued by the Committee of Sponsoring Organizations of the Treadway Commission (&#8220;COSO&#8221;). A material weakness (as defined in Rule 12b-2 under the Exchange Act) is a deficiency or combination of deficiencies, in internal control over financial reporting such that there is a reasonable possibility that a material misstatement in our annual or interim financial statements will not be prevented or detected on a timely basis.</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">151</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based on this assessment, because of the following material weaknesses, management concluded that the Company did not maintain effective internal control over financial reporting as of December 31, 2023.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Control environment &#8211; </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our Board of Directors did not exercise sufficient oversight responsibilities, which led to us lacking a sufficient complement of qualified leadership resources  to conduct effective risk assessment and monitoring activities.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Risk assessment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; We lacked effective periodic risk assessment processes to identify and timely respond to emerging risks in certain financial reporting processes and related internal controls, including internal loan review, that were responsive to changes in the business operations and regulatory and economic environments in which the Company operates.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Monitoring</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; Our recurring monitoring activities over process level control activities, including internal loan review, were not operating effectively.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Control activities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#8211; We did not sufficiently maintain effective control activities related to internal loan review. Specifically, our internal loan review processes lacked an appropriate framework to ensure that ratings were consistently accurate, timely, and appropriately challenged. These ineffective controls impact the Company&#8217;s ability to accurately disclose loan rating classifications, identify problem loans, and ultimately the recognition of the allowance for credit losses on loans and leases.</span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">These control deficiencies create a reasonable possibility that a material misstatement to the consolidated financial statements will not be prevented or detected on a timely basis, and therefore we concluded that the deficiencies represent material weaknesses in our internal control over financial reporting and our internal control over financial reporting was not effective as of December 31, 2023.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s independent registered public accounting firm, KPMG LLP, which audited the 2023 consolidated financial statements included in this Form 10-K, has expressed an adverse opinion on the effectiveness of the Company&#8217;s internal control over financial reporting. KPMG LLP&#8217;s report appears on page 144 of this Annual Report on Form 10-K.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Remediation Status of Reported Material Weaknesses</span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is currently working to remediate the material weaknesses described above, including assessing the need for additional remediation steps and implementing additional measures to remediate the underlying causes that gave rise to the material weaknesses. The Company is committed to maintaining a strong internal control environment and to ensuring that proper oversight and a consistent tone is communicated throughout the organization. The Company expects that existing deficiencies will be remediated through implementation of processes and controls designed to ensure strict compliance with U.S. GAAP.</span></div><div style="text-indent:22.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Specifically, we are in the process of strengthening our internal control over financial reporting as follows:</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Appointed several new members to the Board of Directors with extensive experience as financial experts in our industry and backgrounds in risk management. Additionally, several members of the Board of Directors resigned.</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Appointed a new Chief Risk Officer and Chief Audit Executive, both of whom have large bank experience. We are in the process of identifying and appointing a new Director of Loan Review who has prior large bank commercial loan experience.</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Increasing the frequency and nature of reporting from our internal loan review team and first line business units to the Board Risk Committee to support the Board's risk oversight role.</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Expanding the use of independent credit analysis and reducing the Company's reliance on tools and analysis prepared by our lines of business.</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Improving the internal loan review team's ability to independently challenge risk rating scorecard model methodologies and results.</span></div><div><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Assessing the adequacy of staffing levels and expertise within the internal loan review program, taking into account, among other things, the size, complexity, and risk profile of the Company's loan portfolio.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">152</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Providing additional risk rating process training for all internal loan review employees.</span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have enhanced our control environment, risk assessment and monitoring activities by addressing our Board composition and key members of executive management, including the Chief Risk Officer and Chief Audit Executive. Progress has been made on our remedial actions, but we are still in the process of developing and implementing enhanced processes, procedures and controls related to internal loan review. We believe our actions will be effective in remediating the material weaknesses, and we continue to devote significant time and attention to these efforts. In addition, the material weaknesses will not be considered remediated until the applicable remedial processes, procedures and controls have been in place for a sufficient period of time and management has concluded, through testing, that these controls are effective. </span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">(c) Changes in Internal Control over Financial Reporting </span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is working to integrate Signature into its overall internal control over financial reporting processes. Except for changes made in connection with this integration of Signature, and the material weaknesses in internal control over financial reporting noted above, there have not been any changes in the Company&#8217;s internal control over financial reporting (as such term is defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) during the fiscal quarter to which this report relates that have materially affected, or are reasonably likely to materially affect, the Company&#8217;s internal control over financial reporting. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257715"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 9B.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Other Information</span></td></tr></table></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the fourth quarter ended December&#160;31, 2023, none of our directors or officers informed us of the <ix:nonNumeric contextRef="c-137" name="ecd:Rule10b51ArrAdoptedFlag" format="ixt:fixed-false" id="f-3338"><ix:nonNumeric contextRef="c-137" name="ecd:NonRule10b51ArrAdoptedFlag" format="ixt:fixed-false" id="f-3339">adoption</ix:nonNumeric></ix:nonNumeric> or <ix:nonNumeric contextRef="c-137" name="ecd:Rule10b51ArrTrmntdFlag" format="ixt:fixed-false" id="f-3340"><ix:nonNumeric contextRef="c-137" name="ecd:NonRule10b51ArrTrmntdFlag" format="ixt:fixed-false" id="f-3341">termination</ix:nonNumeric></ix:nonNumeric> of a &#8220;Rule 10b5-1 trading arrangement or &#8220;non-Rule 10b5-1 trading arrangement,&#8221; as those terms are defined in Item 408 of Regulation S-K.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> &#160;&#160;&#160;&#160;</span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257729"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 9C.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Disclosure Regarding Foreign Jurisdictions that Prevent Inspections</span></td></tr></table></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">None.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">153</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257972"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART&#160;III</span></div><div style="text-align:center"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023258001"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 10.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Directors, Executive Officers of the Registrant and Corporate Governance</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information regarding our directors, executive officers, and corporate governance appears in our Proxy Statement for the Annual Meeting of Shareholders to be held for fiscal year 2024 (hereafter referred to as our &#8220;2024 Proxy Statement&#8221;) under the captions &#8220;Information with Respect to Nominees, Continuing Directors, and Executive Officers,&#8221; &#8220;Section 16(a) Beneficial Ownership Reporting Compliance,&#8221; &#8220;Meetings and Committees of the Board of Directors,&#8221; and &#8220;Corporate Governance,&#8221; and is incorporated herein by this reference. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A copy of our Code of Business Conduct and Ethics, which applies to our Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, and Chief Accounting Officer as officers of the Company, and all other senior financial officers of the Company designated by the Chief Executive Officer from time to time, is available on the Investor Relations portion of our website: www.myNYCB.com and will be provided, without charge, upon written request to the Chief Corporate Governance Officer and Corporate Secretary at 102 Duffy Avenue, Hicksville, NY 11801.</span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023258045"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 11.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Executive Compensation</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information regarding executive compensation appears in our 2024 Proxy Statement under the captions &#8220;Compensation Committee Report,&#8221; &#8220;Compensation Committee Interlocks and Insider Participation,&#8221; &#8220;Compensation Discussion and Analysis,&#8221; &#8220;Executive Compensation and Related Information,&#8221; and &#8220;Director Compensation,&#8221; and is incorporated herein by this reference. </span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023258033"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 12.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides information regarding the Company&#8217;s equity compensation plans at December&#160;31, 2023:</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> </span></div><div><span><br/></span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:51.092%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.543%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.104%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.861%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Plan Category</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number of<br/>Securities&#160;to&#160;Be<br/>Issued Upon<br/>Exercise</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted&#160;Average<br/>Exercise Price (1)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Number&#160;of&#160;Securities<br/>Remaining Available<br/>for Future Issuance<br/>Under Equity<br/>Compensation Plans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity compensation plans  approved by security holders<br/></span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"/><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,143,893&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity compensation plans not approved by security holders<br/></span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,143,893&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information relating to the security ownership of certain beneficial owners and management appears in our 2024 Proxy Statement under the captions &#8220;Security Ownership of Certain Beneficial Owners&#8221; and &#8220;Information with Respect to Nominees, Continuing Directors, and Executive Officers.&#8221; </span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_4947802327500"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 13.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Certain Relationship and Related Transactions, and Director Independence</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information regarding certain relationships and related transactions, and director independence, appears in our 2024 Proxy Statement under the captions &#8220;Transactions with Certain Related Persons&#8221; and &#8220;Corporate Governance,&#8221; respectively, and is incorporated herein by this reference. </span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_4947802327513"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 14.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Principal Accounting Fees and Services</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Our independent registered public accounting firm is KPMG LLP, New York, New York, Auditor Firm ID: 185.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Information regarding principal accounting fees and services appears in our 2024 Proxy Statement under the caption &#8220;Audit and Non-Audit Fees,&#8221; and is incorporated herein by this reference. </span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">154</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023257987"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">PART&#160;IV</span></div><div style="text-align:center"><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_226"></div><div style="-sec-extract:summary"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 15.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Exhibits, Financial Statement Schedules</span></td></tr></table></div><div style="text-indent:24.75pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">(a) Documents Filed as Part of this Report </span></div><div style="text-indent:24.75pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">1. Financial Statements </span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following are incorporated by reference from Item 8 hereof: </span></div><div><span><br/></span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Reports of Independent Registered Public Accounting Firm; </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Consolidated Statements of Condition at December&#160;31, 2023 and 2022; </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Consolidated Statements of Income and Comprehensive Income for each of the years in the three-year period ended December&#160;31, 2023; </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Consolidated Statements of Changes in Stockholders&#8217; Equity for each of the years in the three-year period ended December&#160;31, 2023; </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Consolidated Statements of Cash Flows for each of the years in the three-year period ended December&#160;31, 2023; and </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Notes to the Consolidated Financial Statements. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following are incorporated by reference from Item 9A hereof:</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Management&#8217;s Report on Internal Control over Financial Reporting; and </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Changes in Internal Control over Financial Reporting. </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">2. Financial Statement Schedules </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Financial statement schedules have been omitted because they are not applicable or because the required information is provided in the Consolidated Financial Statements or Notes thereto. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">3. Exhibits Required by Securities and Exchange Commission Regulation S-K </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following exhibits are filed as part of this Form 10-K, and this list includes the Exhibit Index. </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:12.496%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.992%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:83.112%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Exhibit No.</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">2.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312521131914/d176004dex21.htm">Agreement and Plan of Merger, dated as of April 24, 2021, by and among New York Community Bancorp, Inc., 615 Corp.</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312521131914/d176004dex21.htm"> and Flagstar Bancorp, Inc</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312521131914/d176004dex21.htm">.</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312521131914/d176004dex21.htm"> (1</a>)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">2.2</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312522121504/d329597dex21.htm">Amendment No. 1 to the Agreement and Plan of Merger, dated April 26, 2022, by and among New York Community Bancorp, Inc., 615 Corp., and Flagstar Bancorp, Inc.</a></span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312522121504/d329597dex21.htm">(2)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">2.3</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000156459022035528/nycb-ex21_18.htm">Amendment No. 2 to the Agreement and Plan of Merger, dated October 27, 2022, by and among New York Community Bancorp, Inc., 615 Corp. and Flagstar Bancorp, Inc.</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000156459022035528/nycb-ex21_18.htm"> (3)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">2.4</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000091007323000046/signaturebankpnafinalsig.htm">Purchase and Assumption Agreement &#8211; All Deposits, dated March 20, 2023, among FDIC, as receiver of Signature Bridge Bank, the FDIC and Flagstar Bank, N.A. </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000091007323000046/signaturebankpnafinalsig.htm">(4)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">2.5</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Amendment No. 1 to the <a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000091007323000046/nycb-amendmenttoeaiexecu.htm">Equity Appreciation Instrument, dated March </a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000091007323000046/nycb-amendmenttoeaiexecu.htm">27</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000091007323000046/nycb-amendmenttoeaiexecu.htm">, 2023 </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000091007323000046/nycb-amendmenttoeaiexecu.htm">(4)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000100547701003143/0001005477-01-003143-0001.txt">Amended and Restated Certificate of Incorporation </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000100547701003143/0001005477-01-003143-0001.txt">(</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000100547701003143/0001005477-01-003143-0001.txt">5</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000100547701003143/0001005477-01-003143-0001.txt">)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3.2</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312504042069/dex32.htm">Certificates of Amendment of Amended and Restated Certificate of Incorporation </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312504042069/dex32.htm">(</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312504042069/dex32.htm">6</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312504042069/dex32.htm">)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3.3</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312516556857/d188430dex31.htm">Certificate of Amendment of Amended and Restated Certificate of Incorporation </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312516556857/d188430dex31.htm">(</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312516556857/d188430dex31.htm">7</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312516556857/d188430dex31.htm">)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3.4</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517085470/d359896dex34.htm">Certificate of Designations of the Registrant with respect to </a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517085470/d359896dex34.htm">Series A Preferred Stock, dated March 16, 2017, filed with the Secretary of State of the State of Delaware and effective March 16, 2017 </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517085470/d359896dex34.htm">(</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517085470/d359896dex34.htm">8</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517085470/d359896dex34.htm">)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3.5</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Certificate of Designations of the Registrant with respect to Series B Noncumulative Convertible Preferred Stock, dated March 11, 2024, filed with the Secretary of State of the State of Delaware and effective March 11, 2024</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"> (9)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3.6</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Certificate of Designations of the Registrant with respect to Series C Noncumulative Convertible Preferred Stock, dated March 11, 2024, filed with the Secretary of State of the State of Delaware and effective March 11, 2024 </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline">(10)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3.7</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Certificate of Designations of the Registrant with respect to Series D Non-Voting Common Equivalent Stock, dated March 11, 2024, filed with the Secretary of State of the State of Delaware and effective March 11, 2024 </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline">(11)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3.8</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312522295967/d405764dex32.htm">Amended and Restated Bylaws</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312522295967/d405764dex32.htm">(9)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">4.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517338619/d419523dex41.htm">Specimen Stock Certificate </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517338619/d419523dex41.htm">(</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517338619/d419523dex41.htm">10</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517338619/d419523dex41.htm">)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">4.2</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm">Deposit Agreement, dated as of March 16, 2017, by and among the Registrant, Computershare, Inc, and Computershare Trust Company, N.A., as joint depositary, and the holders from time to time of the depositary receipts described therein </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm">(</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm">11</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm">)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">4.3</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm">Form of certificate representing the Series A Preferred Stock </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm">(</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm">11</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex41.htm">)</a></span></div></td></tr></table></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="-sec-extract:summary;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">155</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:12.496%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.992%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:83.112%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">4.4</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex51.htm">Form of depositary receipt representing the Depositary Shares </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex51.htm">(</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex51.htm">11</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312517087285/d348977dex51.htm">)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">4.5</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Form of warrant agreement for shares of Series D Non-Voting Common Equivalent Stock</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"> (14)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">4.5</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312520056118/d865413dex45.htm">Description of securities registered pursuant to Section 12 of the Securities and Exchange Act of 1934</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312520056118/d865413dex45.htm">(12)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">4.6</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Registrant will furnish, upon request, copies of all instruments defining the rights of holders of long-term debt instruments of the registrant and its consolidated subsidiaries.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000115752306002509/a5098120.txt">Form of Employment Agreement between New York Community Bancorp, Inc. </a><a style="-sec-extract:exhibit;background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000115752306002509/a5098120.txt">and </a><a style="-sec-extract:exhibit;background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000115752306002509/a5098120.txt">John J. Pinto</a></span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000115752306002509/a5098120.txt"> (13)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.2(P)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Form of Change in Control Agreements among the Company, the Bank, and Certain Officers </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline">(14)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.3(P)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Form of Queens County Savings Bank Outside Directors&#8217; Consultation and Retirement Plan </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline">(14)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.4(P)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Supplemental Benefit Plan of Queens County Savings Bank </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline">(15)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.5(P)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Excess Retirement Benefits Plan of Queens County Savings Bank </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline">(14)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.6(P)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Queens County Savings Bank Directors&#8217; Deferred Fee Stock Unit Plan </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline">(14)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.7</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/910073/000120677406001151/ny_community.htm">New York Community Bancorp, Inc. Management Incentive Compensation Plan</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/910073/000120677406001151/ny_community.htm"> </a></span><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000120677406001151/ny_community.htm">(16)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.8</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312512182581/d329568ddef14a.htm">New York Community Bancorp, Inc. 2012 Stock Incentive Plan</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312512182581/d329568ddef14a.htm"> </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312512182581/d329568ddef14a.htm">(17)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.9</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312520210776/d157339dex101.htm">New York Community Bancorp, Inc., 2020 Omnibus Incentive Plan</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312520210776/d157339dex101.htm"> </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312520210776/d157339dex101.htm">(18)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.11</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000095017022008520/nycb-ex10_2.htm">Employment Agreement between New York Community Bancorp, Inc. and John T. Adams</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000095017022008520/nycb-ex10_2.htm"> </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000095017022008520/nycb-ex10_2.htm">(19)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.12</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312522295967/d405764dex102.htm">Amended and Restated Non-Competition and Non-Solicitation Agreement, dated November 28, 2022, by and between Flagstar Bancorp, Inc. (New York Community Bancorp, Inc. as Successor Company) and Alessandro DiNello</a></span><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312522295967/d405764dex102.htm"> (20) </a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.13</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/1033012/000103301215000088/fbc-20150930x10q_exhibit101.htm">Flagstar Bancorp, Inc. 2016 Stock Award and Incentive Plan (as assumed by New York Community Bancorp, Inc. effective December 1, 2022)</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/1033012/000103301215000088/fbc-20150930x10q_exhibit101.htm"> </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/1033012/000103301215000088/fbc-20150930x10q_exhibit101.htm">(21)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.14</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/910073/000095017023005505/nycb-ex10_15.htm">Employment Agreement between New York Community Bancorp, Inc. and Reginald E. Davis</a><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline" href="https://www.sec.gov/Archives/edgar/data/910073/000095017023005505/nycb-ex10_15.htm"> </a></span><span style="color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#0000ff;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;text-decoration:underline;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000095017023005505/nycb-ex10_15.htm">(22)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.15</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000095017023005505/nycb-ex10_16.htm">Employment Agreement between New York Community Bancorp, Inc. and Lee M. Smith</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000095017023005505/nycb-ex10_16.htm"> (22)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.16</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524063794/d803202dex101.htm">Employment Agreement Term Sheet between New York Community Bancorp, Inc. and Joseph Otting</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524063794/d803202dex101.htm">(23)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.17</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524063794/d803202dex102.htm">Non-Executive Chairman Term Sheet between New York Community Bancorp, Inc. and Alessandro DiNello</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524063794/d803202dex102.htm">(</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524063794/d803202dex102.htm">23</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524063794/d803202dex102.htm">)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.18</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex101.htm">Investment Agreement, dated as of March 7, 2024 (as amended on March 11, 2024), by and between New York Community Bancorp, Inc. and Liberty Strategic Capital (CEN) Holdings, LLC</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex101.htm">(9)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.19</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex102.htm">Form of Investment Agreement, dated as of March 7, 2024 (as amended on March 11, 2024), by and between New York Community Bancorp, Inc. and affiliates of funds managed by Hudson Bay Capital Management, LP</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex102.htm">(9)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.20</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex103.htm">Investment Agreement, dated as of March 7, 2024 (as amended on March 11, 2024), by and between New York Community Bancorp, Inc. and affiliates of funds managed by Reverence Capital Partners LLC</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex103.htm">(9)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">10.21</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex104.htm">Registration Rights Agreement, dated as of March 11, 2024, by and between New York Community Bancorp, Inc. and the investors in the March 2024 Capital Raise</a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000119312524067332/d763888dex104.htm">(9)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">21</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="ex21-subsactivity2023.htm">Subsidiaries of the Registrant</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">22</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="https://www.sec.gov/Archives/edgar/data/910073/000095017022002118/nycb-ex22.htm">Subsidiary Issuers of Guaranteed Securities </a></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;top:-2.8pt;vertical-align:baseline"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000095017022002118/nycb-ex22.htm">(2</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000095017022002118/nycb-ex22.htm">4</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:112%;position:relative;text-decoration:none;top:-2.8pt;vertical-align:baseline" href="https://www.sec.gov/Archives/edgar/data/910073/000095017022002118/nycb-ex22.htm">)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">23</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="ex-23fy23nycb_consentlet.htm">Consent of KPMG LLP, dated March </a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="ex-23fy23nycb_consentlet.htm">14</a><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="ex-23fy23nycb_consentlet.htm">, 2024 (attached hereto)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">31.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="exhibit311section302certif.htm">Rule 13a-14(a) Certification of Chief Executive Officer of the Company in accordance with Section 302 of the Sarbanes-Oxley Act of 2002 (attached hereto)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">31.2</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="exhibit312section302certif.htm">Rule 13a-14(a) Certification of Chief Financial Officer of the Company in accordance with Section 302 of the Sarbanes-Oxley Act of 2002 (attached hereto)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">32</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="exhibit320section906certif.htm">Section 1350 Certifications of the Chief Executive Officer and Chief Financial Officer of the Company in accordance with Section 906 of the Sarbanes-Oxley Act of 2002 (attached hereto)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">97</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%"><a style="-sec-extract:exhibit;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%;text-decoration:none" href="ex97-ibcrpolicy2023x11x1.htm">New York Community Bancorp, Inc. Clawback Policy (attached hereto)</a></span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">101.INS</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">XBRL Instance Document &#8211; the instance document does not appear in the Interactive Data File because XBRL tags are embedded within the Inline XBRL document.</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">101.SCH</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Inline XBRL Taxonomy Extension Schema Document.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">101.CAL</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Inline XBRL Taxonomy Extension Calculation Linkbase Document.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">101.DEF</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Inline XBRL Taxonomy Extension Definition Linkbase Document.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">101.LAB</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Inline XBRL Taxonomy Extension Label Linkbase Document.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">101.PRE</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Inline XBRL Taxonomy Extension Presentation Linkbase Document.</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">104</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Cover Page Interactive Date File (formatted in Inline XBRL and contained in Exhibit 101)</span></td></tr></table></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">*Pursuant to Item 601(b)(2) of Regulation S-K, certain schedules and similar attachments have been omitted. The registrant hereby agrees to furnish a copy of any omitted schedule or similar attachment to the SEC upon request.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">** Management plan or compensation plan arrangement. </span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Incorporated by reference to Exhibits to the Company's Form 8-K filed with the Securities and Exchange Commission on April 27, 2021 (File No. 1-31565)</span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="-sec-extract:summary;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">156</span></div></div></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Incorporated by reference to Exhibits to the Company's Form 8-K filed with the Securities and Exchange Commission on April 27, 2022 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Incorporated by reference to Exhibits to the Company&#8217;s Form 8-K filed with the Securities and Exchange Commission on October 28, 2022 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 10-Q for the quarterly period ended March 31, 2023 (File No. 1-31565) </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(5)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 10-Q for the quarterly period ended March 31, 2001 (File No. 1-31565) </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(6)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 10-K for the year ended December 31, 2003 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(7)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Incorporated by reference to Exhibits to the Company&#8217;s Form 8-K filed with the Securities and Exchange Commission on April 27, 2016 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(8)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Incorporated herein by reference to Exhibit 3.4 of the Registrant&#8217;s Registration Statement on Form 8-A (File No. 333-210919), as filed with the Securities and Exchange Commission on March 16, 2017 </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(9)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Incorporated herein by reference to Exhibits to the Registrant&#8217;s Current Report on Form 8-K (File No. 1-31565), as filed with the Securities and Exchange Commission on March 14, 2024</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(10)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 10-Q for the quarterly period ended September 30, 2017 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(11)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 8-K filed with the Securities and Exchange Commission on March 17, 2017 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(12)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 10-K for the year ended December 31, 2019 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(13)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt"> Incorporated by reference to Exhibits filed with the Company&#8217;s Form 8-K filed with the Securities and Exchange Commission on March 9, 2006 (File No. 1-31565) </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(14)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Registration Statement filed on Form S-1, Registration No. 33-66852</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(15)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the 1995 Proxy Statement for the Annual Meeting of Shareholders held on April 19, 1995 (File No. 0-22278) </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(16)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the 2006 Proxy Statement for the Annual Meeting of Shareholders held on June 7, 2006 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(17)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the 2012 Proxy Statement for the Annual Meeting of Shareholders held on June 7, 2012 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(18)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Registration Statement filed on Form S-8 filed, Registration No. 333-241023</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(19)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 10-Q for the quarterly period ended March 31, 2022 (File No. 001-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(20)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 8-K filed with the Securities and Exchange Commission on December 1, 2022 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(21)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibit 10.1 to Flagstar Bancorp, Inc.&#8217;s Form 10-Q filed with the Securities and Exchange Commission on November 6, 2015 (File No. 1-16577)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(22)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 10-K for the year ended December 31, 2022 (File No. 1-31565)</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(23)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits to the Company&#8217;s Current Report on Form 8-K (File No. 1-31565), as filed with the Securities and Exchange Commission on March 8, 2024 </span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(24)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:1.34pt">Incorporated by reference to Exhibits filed with the Company&#8217;s Form 10-K for the year ended December 31, 2021 (File No. 1-31565)</span></div><div><span><br/></span></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_2199023258015"></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:9.864%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:87.936%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Item 16.</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Form 10-K Summary</span></td></tr></table></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">None.</span></div><div><span><br/></span></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">157</span></div></div></div><div id="i766f2a0a5b9e47dcbde618a31451fbef_229"></div><hr style="page-break-after:always"/><div style="min-height:45pt;width:100%"><div><span><br/></span></div></div><div style="-sec-extract:summary;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">SIGNATURES</span></div><div style="text-align:center"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. </span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.982%"><tr><td style="width:1.0%"/><td style="width:6.289%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.453%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.428%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:72.330%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">DATE:</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">March&#160;14, 2024</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">New York Community Bancorp, Inc.</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">(Registrant)</span></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">/s/ Alessandro P. DiNello</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%">Alessandro P. DiNello</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">President and Chief Executive Officer</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">(Principal Executive Officer)</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated. </span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:39.689%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.496%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.384%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:30.332%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.499%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">/s/ Alessandro P. DiNello</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3/14/24</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">/s/ John J. Pinto</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3/14/24</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Alessandro P. DiNello</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">John J. Pinto</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">President and Executive Chairman (Principal Executive Officer)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Senior Executive Vice President and Chief Financial Officer</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">(Principal Financial Officer)</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">/s/ Alessandro P. DiNello</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3/14/24</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">/s/ Bryan L Marx</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3/14/24</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Alessandro P. DiNello</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Bryan L Marx</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Director</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Principal Accounting Officer</span></div></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">/s/ Marshall Lux</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3/14/24</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">/s/ Lawrence J. Savarese</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3/14/24</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Marshall Lux</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Lawrence J. Savarese</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Presiding Director</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Director</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:14pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">/s/ Peter Schoels</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3/14/24</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">/s/ David L. Treadwell</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3/14/24</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Peter Schoels</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">David L. Treadwell</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Director</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Director</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">/s/ Jennifer R. Whip</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">3/14/24</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:112%">Jennifer R. Whip</span></td><td colspan="3" style="border-top:1pt solid #ffffff;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:justify;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:112%">Director</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr></table></div><div style="height:45pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:center"><span><br/></span></div><div style="-sec-extract:summary;text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">158</span></div></div></div></body></html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>2
<FILENAME>ex21-subsactivity2023.htm
<DESCRIPTION>EX-21
<TEXT>
<HTML>
<HEAD><!-- Document generated by Workiva Inc -->
<TITLE>ex21-subsactivity2023</TITLE>
</HEAD>
<BODY bgcolor="white">
<DIV align="center">
<DIV style="margin-left:1em;width:1055;"><!-- ex21-subsactivity2023001.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex21-subsactivity2023001.jpg" title="slide1" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">Subsidiary Activities   We conduct business primarily through our wholly-owned bank subsidiary, Flagstar Bank, N.A. The Bank has  formed, or acquired through merger transactions, 39 active subsidiaries. Of these, 26 are direct subsidiaries of the  Bank and 13 are subsidiaries of Bank-owned entities.   The 26 direct subsidiaries of the Bank are:     Name  Jurisdiction of  Organization  Purpose  100 Duffy Realty, LLC New York Owns a building containing back-offices and a  branch.  Beta Investments, Inc. Delaware Holding company for Omega Commercial Mortgage  Corp. and Long Island Commercial Capital Corp.  BSR 1400 Corp. New York Organized to own interests in real estate.  Ferry Development Holding Company Delaware Formed to hold and manage various securities and  investments.  Flagstar Specialty Finance Company,  LLC  Delaware Originates asset-based, equipment financing, and  dealer-floor plan loans.  NYB Realty Holding Company, LLC New York Holding company for subsidiaries owning an interest  in other real estate.  NYCB Insurance Agency, Inc. New York Licensed insurance agency formed to sell non- deposit investment products.  Pacific Urban Renewal, Inc. New Jersey Owns a branch building.  Synergy Capital Investments, Inc. New Jersey Formed to hold and manage investment portfolios.  NYCB Mortgage Company, LLC Delaware Holding company for Walnut Realty Holding  Company, LLC.  Woodhaven Investments, LLC Delaware Holding company for Ironbound Investment  Company, LLC. and 1400 Corp.  Flagstar REO, LLC Delaware Formed to hold real estate from foreclosed loans  Flagstar Mortgage Securities, LLC Delaware Formed to hold mortgage loans sold into private  securitizations  Flagstar Real Estate Holdings, Inc. Michigan Holding company for Long Lake REIT  REIT Holding Co #1, Inc. Michigan Holding company for REIT #1, Inc.  REIT Holding Co #2, Inc. Michigan Holding company for REIT #2, Inc.  Propshop Mortgage, LLC Delaware Joint venture mortgage company developing  specialized mortgage technology  Flagstar Investment, LLC Michigan Investment holding company holding a minority  interest in a lending technology company  Flagstar Opportunities, LLC Michigan Investor Limited Partner of Flagstar Opportunities  Fund Limited Partnership  Grass Lake Insurance Agency, Inc. Michigan Licensed insurance agency   FSB-Optimum Investment Fund I LLC Michigan Formed to invest in businesses with New Markets  Tax Credits  Flagstar-Petros Fund I, LLC Michigan Invests in real estate eligible for Historic Tax Credits  Flagstar Financing &amp; Leasing, LLC New York Originates equipment finance &amp; leasing, transport  financing and taxi medallion financing  Flagstar Advisors, Inc. New York Licensed broker dealer and investment advisor  offering investment, brokerage, asset and insurance  products and services  SB Insurance Agency, Inc New York Offers insurance products and services  Flagstar Public Funding Corp. New York Originates municipal finance and tax-exempt lending  and leasing to government and municipal entities  </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
<!-- ex21-subsactivity2023002.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex21-subsactivity2023002.jpg" title="slide2" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">  The 13 subsidiaries of Bank-owned entities are:     Name  Jurisdiction of  Organization  Purpose  1400 Corp. New York Holding company for Roslyn Real Estate Asset Corp.  Ironbound Investment Company, LLC. Florida Organized for the purpose of investing in mortgage- related assets.  Flagstar Opportunities Fund Limited  Partnership  Delaware Formed to invest in housing tax credit projects,  historical tax credit projects and related activities  Long Island Commercial Capital  Corporation  New York A REIT organized for the purpose of investing in  mortgage-related assets.  Omega Commercial Mortgage Corp. Delaware A REIT organized for the purpose of investing in  mortgage-related assets.  Prospect Realty Holding Company, LLC New York Owns a back-office building.  Rational Real Estate II, LLC New York Formerly Owned a back-office building.  Roslyn Real Estate Asset Corp. Delaware A REIT organized for the purpose of investing in  mortgage-related assets.  Walnut Realty Holding Company, LLC Delaware Owns two back-office buildings.  Long Lake REIT Maryland Formed to own excess servicing rights assets  Long Lake MSR, Inc. Maryland Licensed to own MSRs  REIT #1, Inc. Michigan A REIT organized for the purposes of investing in  mortgage loans  REIT #2, Inc. Michigan A REIT organized for the purposes of investing in  commercial real estate loans    NYB Realty Holding Company, LLC owns interests in 10 additional active entities organized as indirect wholly- owned subsidiaries to own interests in various other real estate properties.     The four direct subsidiaries of the Parent Company are:    Name  Jurisdiction of  Organization  Purpose  Flagstar Bank, N.A. New York National Association (Federal Bank)  New York Community Newco, Inc. Delaware Established in connection with the acquisition of  Atlantic Bank of New York  Douglas Insurance Agency, Inc. Michigan Insurance Agency (collects auto premiums)  Flagstar Reinsurance Company Vermont Vermont captive insurance company  The Parent Company also owns special business trusts that were formed for the purpose of issuing capital and  common securities and investing the proceeds thereof in the junior subordinated debentures issued by the Company.  See Note 12, &#8220;Borrowed Funds,&#8221; in the Notes to the Consolidated Financial Statements for a further discussion of the  Company&#8217;s special business trusts.     </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
</DIV>
</DIV>
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>3
<FILENAME>ex-23fy23nycb_consentlet.htm
<DESCRIPTION>EX-23
<TEXT>
<HTML>
<HEAD><!-- Document generated by Workiva Inc -->
<TITLE>ex-23fy23nycb_consentlet</TITLE>
</HEAD>
<BODY bgcolor="white">
<DIV align="center">
<DIV style="margin-left:1em;width:1055;"><!-- ex-23fy23nycb_consentlet001.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex-23fy23nycb_consentlet001.jpg" title="slide1" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">&nbsp; &nbsp; &nbsp; KPMG LLP  345 Park Avenue  New York, NY 10154-0102        &nbsp; &nbsp; &nbsp; KPMG LLP, a Delaware limited liability partnership and a member firm of  the KPMG global organization of independent member firms affiliated with  KPMG International Limited, a private English company limited by guarantee.  &nbsp;&nbsp; Consent of Independent Registered Public Accounting Firm  We consent to the incorporation by reference in the registration statements (Nos. 333-268634, 333-241023,  333-218358, 333-182334, 333-146512, 333-135279, 333-130908, 333-110361, 333-105901, 333-89826, 333- 66366, 333-51998, 333-32881, and 333-241023) on Form S-8 and the registration statements (Nos. 333- 188181, 333-188178, 333-129338, 333-105350, 333-100767, 333-86682, 333-150442, 333-152147, 333- 166080, 333-210919, 333-210917, 333-230835, 333-230836, 333-268056, and 333-268056) on Form S-3 of  our reports dated March 14, 2024, with respect to the consolidated financial statements of New York  Community Bancorp, Inc. and the effectiveness of internal control over financial reporting.          New York, New York  March 14, 2024          </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
</DIV>
</DIV>
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>4
<FILENAME>exhibit311section302certif.htm
<DESCRIPTION>EX-31.1
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2024 Workiva -->
<title>Document</title></head><body><div id="ie4d8c5ed7bf445649e52f8ce5fc85965_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EXHIBIT 31.1</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NEW YORK COMMUNITY BANCORP, INC. </font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">CERTIFICATION PURSUANT TO SECTION 302 </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">OF THE SARBANES-OXLEY ACT OF 2002 </font></div><div style="text-align:center"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">I, Alessandro P. DiNello, certify that&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">I have reviewed this quarterly report on Form 10-K of New York Community Bancorp, Inc.&#59; </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report&#59; </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report&#59; </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The registrant&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have&#58; </font></div><div><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.91pt">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared&#59; </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles&#59; </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.91pt">Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation&#59; and </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting. </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The registrant&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent function)&#58; </font></div><div><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.91pt">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial information&#59; and </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting. </font></div><div style="text-indent:25pt"><font><br></font></div><div style="text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.982%"><tr><td style="width:1.0%"></td><td style="width:25.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.994%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:51.888%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">DATE&#58; March&#160;14, 2024</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">BY&#58;</font></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Alessandro P. DiNello</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">President and Chief Executive Officer</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">(Principal Executive Officer)</font></td></tr></table></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>exhibit312section302certif.htm
<DESCRIPTION>EX-31.2
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2024 Workiva -->
<title>Document</title></head><body><div id="i280484d3a21e4b44a7b2ffd6e45a3487_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EXHIBIT 31.2</font></div><div style="margin-top:9pt;text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NEW YORK COMMUNITY BANCORP, INC. </font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">CERTIFICATION PURSUANT TO SECTION 302 </font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">OF THE SARBANES-OXLEY ACT OF 2002 </font></div><div style="text-align:center"><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">I, John J. Pinto, certify that&#58;</font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">I have reviewed this quarterly report on Form 10-K of New York Community Bancorp, Inc.&#59; </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report&#59; </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">3.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report&#59; </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">4.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The registrant&#8217;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have&#58; </font></div><div><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.91pt">Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared&#59; </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles&#59; </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(c)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.91pt">Evaluated the effectiveness of the registrant&#8217;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation&#59; and </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(d)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Disclosed in this report any change in the registrant&#8217;s internal control over financial reporting that occurred during the registrant&#8217;s most recent fiscal quarter (the registrant&#8217;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#8217;s internal control over financial reporting. </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">5.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The registrant&#8217;s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#8217;s auditors and the audit committee of the registrant&#8217;s board of directors (or persons performing the equivalent function)&#58; </font></div><div><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(a)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.91pt">All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant&#8217;s ability to record, process, summarize and report financial information&#59; and </font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">(b)</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:6.34pt">Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#8217;s internal control over financial reporting. </font></div><div style="text-indent:25pt"><font><br></font></div><div style="text-indent:25pt"><font><br></font></div><div style="text-indent:36pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:92.982%"><tr><td style="width:1.0%"></td><td style="width:25.944%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.522%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:3.774%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:52.360%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">DATE&#58; March&#160;14, 2024</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">BY&#58;</font></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">John J. Pinto</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Senior Executive Vice President and Chief Financial Officer<br></font><font style="font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"><br></font></td></tr></table></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>6
<FILENAME>exhibit320section906certif.htm
<DESCRIPTION>EX-32
<TEXT>
<html><head>
<!-- Document created using Wdesk -->
<!-- Copyright 2024 Workiva -->
<title>Document</title></head><body><div id="i29b920a827a94a0c924ff71ccdea08c1_1"></div><div style="min-height:42.75pt;width:100%"><div><font><br></font></div></div><div style="text-align:right"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">EXHIBIT 32.0</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">NEW YORK COMMUNITY BANCORP, INC.</font></div><div style="text-align:center"><font><br></font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">CERTIFICATIONS PURSUANT TO 18 U.S.C. SECTION 1350 AS ADOPTED</font></div><div style="text-align:center"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</font></div><div><font><br></font></div><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Quarterly Report of New York Community Bancorp, Inc. (the &#8220;Company&#8221;) on Form 10-K for the period ended on December&#160;31, 2023 as filed with the Securities and Exchange Commission (the &#8220;Report&#8221;), the undersigned certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that&#58; </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">1.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934&#59; and </font></div><div><font><br></font></div><div style="padding-left:36pt;text-indent:-18pt"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2.</font><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:10.5pt">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for the period covered by the Report. </font></div><div style="margin-top:5pt"><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.122%"><tr><td style="width:1.0%"></td><td style="width:36.658%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.699%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:4.062%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:44.181%"></td><td style="width:0.1%"></td></tr><tr style="height:15pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">DATE&#58; March&#160;14, 2024</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">BY&#58;</font></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Alessandro P. DiNello</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">President and Chief Executive Officer</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">(Principal Executive Officer)</font></td></tr><tr style="height:12pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><div><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">DATE&#58; March&#160;14, 2024</font></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">BY&#58;</font></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">John J. Pinto</font></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><font style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">Senior Executive Vice President and Chief Financial Officer</font></td></tr></table></div><div style="height:42.75pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div><font><br></font></div></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-97
<SEQUENCE>7
<FILENAME>ex97-ibcrpolicy2023x11x1.htm
<DESCRIPTION>EX-97
<TEXT>
<HTML>
<HEAD><!-- Document generated by Workiva Inc -->
<TITLE>ex97-ibcrpolicy2023x11x1</TITLE>
</HEAD>
<BODY bgcolor="white">
<DIV align="center">
<DIV style="margin-left:1em;width:1055;"><!-- ex97-ibcrpolicy2023x11x1001.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex97-ibcrpolicy2023x11x1001.jpg" title="slide1" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">    Incentive-Based Compensation Recoupment (IBCR) Policy approved as of November 13, 2023 Page 1 of 9  &copy; 2023 New York Community Bancorp, Inc.  New York Community Bancorp, Inc. and its additional Covered Affiliates    INCENTIVE-BASED COMPENSATION RECOUPMENT (IBCR) POLICY    I. POLICY OVERVIEW    This Incentive-Based Compensation Recoupment (IBCR) Policy (this &#8220;Policy&#8221;) describes certain  requirements of New York Community Bancorp, Inc. and its additional Covered Affiliates1 with respect to  the Company&#8217;s Incentive-Based Compensation program(s) and associated operational activities  (collectively, the &#8220;IBC Program&#8221;) to ensure the safe and sound management of the IBC Program in an  efficient and effective manner, consistent with the risk management framework established by the Board of  Directors2, in full compliance with all applicable federal and state laws and regulatory requirements  (including regulatory guidance) (collectively, &#8220;Applicable Law&#8221;), including (without limitation) certain rules  adopted by the United States Securities and Exchange Commission (the &#8220;SEC&#8221;) implementing Incentive- Based Compensation recovery requirements, and all applicable Company policies, and in full support of  the Company&#8217;s strategic initiatives, as applicable, and it reflects the view of the Board that ensuring such  safe and sound management, compliance, and support is a key component of Senior Management&#8217;s  supervisory responsibilities. (Unless otherwise defined herein, each capitalized term used in this Policy  shall have the same meaning ascribed thereto in section IV, below.)      II. PURPOSE, SCOPE, APPLICABILITY    A. The purpose of this Policy is to, among other things: ensure the safe and sound management of the IBC  Program in an efficient and effective manner, consistent with the risk management framework established  by the Board, in full compliance with all Applicable Law and all applicable Company policies, and in full  support of the Company&#8217;s strategic initiatives, as applicable; enable the Holding Company to recoup  Erroneously Awarded Compensation in the event that the Holding Company is required to prepare an  Accounting Restatement; and, reflect both the Board&#8217;s determination that the Company shall maintain legal  and regulatory compliance and its commitment to provide Senior Management with the means to achieve  such compliance.     B. This Policy is designed to comply with, and shall be interpreted in a manner consistent with, Section 10D3  of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), Rule 10D-14 under the  Exchange Act, and Section 303A.145 of the New York Stock Exchange (NYSE) Listed Company Manual  (the &#8220;Listing Rules&#8221;).     C. This Policy shall apply to any Incentive-Based Compensation that is received by an Executive Officer on or  after the Effective Date, even if such Incentive-Based Compensation was approved, awarded, granted, or  paid to an Executive Officer prior to the Effective Date.    1  For purposes of this Policy, the term &#8220;Covered Affiliates&#8221; refers to the Holding Company (as defined below), the Bank (as  defined below), Flagstar Specialty Finance Company, LLC, Flagstar Advisors, Inc., Flagstar Financial &amp; Leasing, LLC,  Flagstar Public Funding Corp., Grass Lake Insurance Agency, Inc., NYCB Insurance Agency, Inc., and such other NYCB  Entity(ies) (as defined below) as may be deemed covered by this Policy from time to time upon written confirmation by the  General Counsel (the &#8220;GC&#8221;) of the Company (as defined below); the term &#8220;Holding Company&#8221; refers to New York Community  Bancorp, Inc.; the term &#8220;Bank&#8221; refers to Flagstar Bank, N.A.; the term &#8220;NYCB Entity&#8221; refers to each of the Holding Company,  the Bank, and their additional Covered Affiliates individually; and, the term &#8220;Company&#8221; or &#8220;NYCB&#8221; refers collectively to all of  the aforementioned companies or each individually, as applicable and the context may require.   2  For purposes of this Policy, the term &#8220;Board(s) of Directors&#8221; or &#8220;Board(s)&#8221; shall mean both the Holding Company&#8217;s Board of  Directors and the Bank&#8217;s Board of Directors or each individually, as applicable and the context may require.  3  15 U.S.C. 78j-4, &#8220;Recovery of erroneously awarded compensation policy&#8221;.  4  17 CFR 240.10D-1, &#8220;Listing standards relating to recovery of erroneously awarded compensation.&#8221;  5  NYSE Listed Company Manual &sect; 303A.14, &#8220;Erroneously Awarded Compensation&#8221;.  </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
<!-- ex97-ibcrpolicy2023x11x1002.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex97-ibcrpolicy2023x11x1002.jpg" title="slide2" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">    Incentive-Based Compensation Recoupment (IBCR) Policy approved as of November 13, 2023 Page 2 of 9  &copy; 2023 New York Community Bancorp, Inc.        III. POLICY AUTHORITY     A. This Policy is owned by the GC; and, the respective Compensation Committees of the Boards of Directors  (collectively, the &#8220;Committee&#8221;) shall serve as the governing body authorizing this Policy and shall provide  ongoing updates and/or direction with respect hereto to Senior Management, Executive Management, the  appropriate Committee(s) (as set forth and defined in the Company&#8217;s Policy on Policies &amp; Committees),  and/or the Board, as applicable and outlined in its Charter.    B. This Policy shall be administered by the Committee, unless otherwise determined by the Board. The  Committee shall have full and final authority to make all determinations under this Policy, in each case to  the extent permitted under the Listing Rules and in compliance with Section 409A6 of the Code. All  determinations and decisions made by the Committee pursuant to the provisions of this Policy shall be final,  conclusive, and binding on all persons, including (without limitation) the Holding Company, its affiliates, its  stockholders, and Executive Officers. Any action or inaction by the Committee with respect to an Executive  Officer under this Policy shall not limit the Committee&#8217;s actions or decisions not to act with respect to any  other Executive Officer under this Policy or under any similar policy, agreement, or arrangement, nor shall  any such action or inaction serve as a waiver of any rights the Holding Company may have against any  Executive Officer other than as set forth in this Policy.      IV. DEFINITIONS    A. For purposes of this Policy:    1. &#8220;Accounting Restatement&#8221; shall mean an accounting restatement due to the material noncompliance of  the Holding Company with any financial reporting requirement under the securities laws, including any  required accounting restatement to correct an error in previously issued financial statements that is  material to the previously issued financial statements, or that would result in a material misstatement if  the error were corrected in the current period or left uncorrected in the current period.    2. &#8220;Accounting Restatement Date&#8221; shall mean the earlier to occur of: (i) the date the Board, a committee of  the Board, or the officer or officers of the Holding Company authorized to take such action if Board action  is not required, concludes, or reasonably should have concluded, that the Holding Company is required  to prepare an Accounting Restatement or (ii) the date a court, regulatory agency, or other legally  authorized body directs the Holding Company to prepare an Accounting Restatement.    3. &#8220;Code&#8221; shall mean the Internal Revenue Code, as amended,7 and any regulations promulgated under  the Code.    4. &#8220;Effective Date&#8221; shall have the same meaning ascribed thereto in Section 303A.14(b)(i) of the Listing  Rules: October 2, 2023.    5. &#8220;Erroneously Awarded Compensation&#8221; shall mean, in the event of an Accounting Restatement, the  amount of Incentive-Based Compensation previously received that exceeds the amount of Incentive- Based Compensation that otherwise would have been received had it been determined based on the  restated amounts in such Accounting Restatement. The amount of Erroneously Awarded Compensation  shall be determined on a gross basis without regard to any taxes paid by the relevant Executive Officer;  provided, however, that for Incentive-Based Compensation based on the Holding Company&#8217;s stock price  or total shareholder return, where the amount of Erroneously Awarded Compensation is not subject to    6  26 U.S.C. 409A, &#8220;Inclusion in gross income of deferred compensation under nonqualified deferred compensation plans&#8221;.   7  Title 26 of the U.S. Code, &#8220;Internal Revenue Code&#8221;.  </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
<!-- ex97-ibcrpolicy2023x11x1003.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex97-ibcrpolicy2023x11x1003.jpg" title="slide3" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">    Incentive-Based Compensation Recoupment (IBCR) Policy approved as of November 13, 2023 Page 3 of 9  &copy; 2023 New York Community Bancorp, Inc.    mathematical recalculation directly from the information in an Accounting Restatement: (i) the amount  of Erroneously Awarded Compensation shall be based on a reasonable estimate of the effect of the  Accounting Restatement on the stock price or total shareholder return upon which the Incentive-Based  Compensation was received and (ii) the Holding Company must maintain documentation of the  determination of such reasonable estimate and provide such documentation to the Stock Exchange.  In  the case of Incentive-Based Compensation credited or contributed to a notional account balance,  Erroneously Awarded Compensation shall be the amount subject to recoupment and any earnings  accrued on such amount through the date of recoupment.    6. &#8220;Executive Management&#8221; shall mean the President and Chief Executive Officer (the &#8220;CEO&#8221;) of the  Company, its Chief Financial Officer, its President of Commercial Real Estate Lending, its President of  Consumer and Corporate Banking, its President of Mortgage, its President of Commercial and Private  Banking, its Chief Operating Officer, the GC, and such other senior officers of the Company as the CEO  shall designate from time to time (each such member of Executive Management, an Executive Officer),  whether acting individually or collectively, with respect to the subject matter hereof.    7. &#8220;Executive Officer&#8221; shall mean the Company&#8217;s president, principal financial officer, principal accounting  officer (or if there is no such accounting officer, the controller), any vice-president of the Company in  charge of a principal business unit, division, or function, any other officer who performs a policy-making  function, or any other person who performs similar policy-making functions for the Holding Company.  An executive officer of any Covered Affiliate is deemed an &#8220;Executive Officer&#8221; if the executive officer  performs policy making functions for the Holding Company.    8. &#8220;Financial Reporting Measure&#8221; shall mean any measure that is determined and presented in accordance  with the accounting principles used in preparing the Holding Company&#8217;s financial statements, and any  measure that is derived wholly or in part from such measure; provided, however, that a Financial  Reporting Measure is not required to be presented within the Holding Company&#8217;s financial statements  or included in a filing with the SEC to qualify as a Financial Reporting Measure.  Financial Reporting  Measures include but are not limited to the following (and any measures derived from the following):  Holding Company stock price; total shareholder return; revenues; net income; operating income;  profitability of one or more reportable segments; financial ratios (e.g., accounts receivable turnover and  inventory turnover rates); earnings before interest, taxes, depreciation and amortization; funds from  operations and adjusted funds from operations; liquidity measures (e.g., working capital, operating cash  flow); return measures (e.g., return on invested capital, return on assets); earnings measures (e.g.,  earnings per share); and any of such financial reporting measures relative to a peer group, where the  Holding Company&#8217;s financial reporting measure is subject to an Accounting Restatement.  A Financial  Reporting Measure need not be presented within the Holding Company&#8217;s financial statements or  included in a filing with the Securities Exchange Commission.    9. &#8220;Incentive-Based Compensation&#8221; shall mean any compensation that is granted, earned, or vested based  wholly or in part upon the attainment of a Financial Reporting Measure.    10. &#8220;Senior Management&#8221; shall mean officers of the Company who hold the corporate title of Executive Vice  President or higher, or such other officers of the Company as Executive Management shall designate  with responsibility for the related Company department or area from time to time, whether acting  individually or collectively, with respect to the subject matter hereof.    11. &#8220;Senior Officer&#8221; shall mean any officer of the Company who has direct or oversight authority over any  applicable Company personnel reporting to them with respect to actions required under this Policy.    12. &#8220;Stock Exchange&#8221; means the national stock exchange on which the Holding Company&#8217;s common stock  is listed.      V. POLICY REQUIREMENTS  </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
<!-- ex97-ibcrpolicy2023x11x1004.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex97-ibcrpolicy2023x11x1004.jpg" title="slide4" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">    Incentive-Based Compensation Recoupment (IBCR) Policy approved as of November 13, 2023 Page 4 of 9  &copy; 2023 New York Community Bancorp, Inc.      A. General Requirements     1. This Policy shall apply to all Incentive-Based Compensation received by a person:    a. after beginning service as an Executive Officer;     b. who served as an Executive Officer at any time during the performance period for such Incentive- Based Compensation;     c. while the Holding Company had a class of securities listed on a national securities exchange or a  national securities association; and     d. during the three (3) completed fiscal years immediately preceding the applicable Accounting  Restatement Date (each such period, the &#8220;Lookback Period&#8221;).    2. Notwithstanding any other provision of the Policy to the contrary, each Lookback Period shall also  include any transition period that results from a change in the Holding Company&#8217;s fiscal year within or  immediately following such Lookback Period; provided, however, that a transition period between the  last day of the Holding Company&#8217;s previous fiscal year end and the first day of its new fiscal year that  comprises a period of nine (9) to twelve (12) months shall be deemed a completed fiscal year.     3. For purposes of this section V.A, Incentive-Based Compensation shall be deemed received in the  Holding Company&#8217;s fiscal period during which the Financial Reporting Measure specified in the  Incentive-Based Compensation award is attained, even if the payment or grant of the Incentive-Based  Compensation occurs after the end of such period.     4. For the avoidance of doubt, (i) Incentive-Based Compensation that is subject to both a Financial  Reporting Measure vesting condition and a service-based vesting condition shall be considered  received when the relevant Financial Reporting Measure is achieved, even if the Incentive-Based  Compensation continues to be subject to the service-based vesting condition and (ii) compensatory  awards that vest solely by reference to the completion of a service period, that are discretionary or that  are based on the attainment of goals unrelated to Financial Reporting Measures are not Incentive- Based Compensation for purposes of this Policy.    &nbsp; B. Recoupment Requirement     1. In the event of an Accounting Restatement, the Holding Company shall recoup, as promptly as  reasonably possible, Erroneously Awarded Compensation, in amounts determined pursuant to this  Policy.     a. The Holding Company&#8217;s obligation to recoup Erroneously Awarded Compensation shall not be  dependent on if, or when, the Holding Company files restated financial statements.     b. Subject to the terms stated in this Policy, the Committee may affect recoupment under this Policy  from any amount of compensation approved, awarded, granted, payable, or paid to the Executive  Officer prior to, on, or after the Effective Date.    c. Recoupment under this Policy with respect to an Executive Officer shall not require the finding of  any misconduct by such Executive Officer or a finding that such Executive Officer is responsible  for the accounting error leading to an Accounting Restatement.     d. In the event of an Accounting Restatement, the Company shall satisfy the Holding Company&#8217;s  obligations under this Policy to recoup any amount owed from any applicable Executive Officer by  </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
<!-- ex97-ibcrpolicy2023x11x1005.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex97-ibcrpolicy2023x11x1005.jpg" title="slide5" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">    Incentive-Based Compensation Recoupment (IBCR) Policy approved as of November 13, 2023 Page 5 of 9  &copy; 2023 New York Community Bancorp, Inc.    exercising its sole and absolute discretion in how to accomplish such recoupment, to the extent  permitted under the Listing Rules and in compliance with (or pursuant to an exemption from the  application of) Section 409A of the Code.     2. By way of example, the method of recoupment may include, without limitation, any of the following: (i)  seeking reimbursement of all or part of any cash or equity-based award; (ii) cancelling prior cash or  equity-based awards, whether vested or unvested or paid or unpaid; (iii) cancelling or offsetting against  any planned future cash or equity-based awards; (iv) forfeiture of deferred compensation, subject to  compliance with Section 409A of the Internal Revenue Code and the regulations thereunder; and (v)  any other method authorized by Applicable Law or contract.     3. For the avoidance of doubt, subject to compliance with Applicable Law, the Committee may affect  recoupment under this Policy from any amount otherwise payable to an Executive Officer, including,  without limitation, base salary, bonuses or commissions and compensation previously deferred by the  Executive Officer.     4. The Holding Company&#8217;s recoupment obligation pursuant to section V.B.1, above, shall not apply to the  extent that the Committee, or in the absence of the Committee, a majority of the independent directors  serving on the Board, determines that and one of the following conditions is satisfied and, therefore,  recoupment would be impracticable:     a. the direct expense paid to a third party to assist in enforcing this Policy would exceed the amount  to be recouped. Before concluding that it would be impracticable to recoup any amount of  Erroneously Awarded Compensation based on expense of enforcement, the Holding Company  must make a reasonable attempt to recoup such Erroneously Awarded Compensation, document  such reasonable attempt(s) to recoup, and provide that documentation to the Stock Exchange; or    b. recoupment would likely cause an otherwise tax-qualified retirement plan, under which benefits are  broadly available to employees of the registrant, to fail to meet the requirements of Section  401(a)(13) or Section 411(a) of the Code.    C. Prohibition on Indemnification and Insurance Reimbursement     1. The Company shall be prohibited from indemnifying any Executive Officer or former Executive Officer  against the loss of Erroneously Awarded Compensation.     2. Further, the Company shall be prohibited from paying or reimbursing an Executive Officer for  purchasing insurance to cover any such loss.  &nbsp; D. Required Filings     The Holding Company shall file all disclosures with respect to this Policy and actions taken pursuant to this  Policy in accordance with the requirements of the federal securities laws, including disclosures required by  the SEC and the Stock Exchange.  &nbsp; E. Other Recoupment Obligations; General Rights     1. To the extent that the application of this Policy would provide for recoupment of Incentive-Based  Compensation that is also subject to recoupment under Section 304 of the Sarbanes-Oxley Act,8 the  amount the Executive Officer has already reimbursed the Holding Company will be credited to the  required recoupment under this Policy.       8  See 15 U.S.C. 7243, &#8220;Forfeiture of certain bonuses and profits&#8221;.  </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
<!-- ex97-ibcrpolicy2023x11x1006.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex97-ibcrpolicy2023x11x1006.jpg" title="slide6" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">    Incentive-Based Compensation Recoupment (IBCR) Policy approved as of November 13, 2023 Page 6 of 9  &copy; 2023 New York Community Bancorp, Inc.    2. This Policy shall not limit the rights of the Holding Company to take any other actions or pursue other  remedies that the Holding Company may deem appropriate under the circumstances and under  Applicable Law, in each case to the extent permitted under the Listing Rules and in compliance with  (or pursuant to an exemption from the application of) Section 409A of the Code.     3. Nothing contained in this Policy shall limit the Holding Company&#8217;s ability to seek recoupment, in  appropriate circumstances (including circumstances beyond the scope of this Policy) and as permitted  by Applicable Law, of any amounts from any individual, in each case to the extent permitted under the  Listing Rules and in compliance with (or pursuant to an exemption from the application of) Section 409A  of the Code.    F. Acknowledgement   &nbsp; Each Executive Officer shall sign and return to the Company, within thirty (30) calendar days following the  later of (i) the effective date of this Policy first set forth above or (ii) the date the individual becomes an  Executive Officer, the Acknowledgement Form attached hereto as Exhibit A, pursuant to which the  Executive Officer agrees, among other things, to be bound by, and to comply with, the terms and conditions  of this Policy.    G. Successors    This Policy shall be binding and enforceable against all Executive Officers and their beneficiaries, heirs,  executors, administrators, or other legal representatives.  &nbsp; H. Organizational Updates    Each Senior Officer to whom responsibility is assigned for actions required to be taken under this Policy  shall be responsible for organizing their department(s)/unit(s) in a manner that efficiently allocates such  work and for promptly notifying the Company&#8217;s Human Resources Department and its Legal Department  (&#8220;Legal&#8221;) of any changes to such organization structure or related delegation of responsibilities (including,  without limitation, so that appropriate corresponding changes can be made within this Policy to reflect such  delegations or possible future changes in department or unit names or personnel); however, any actions  delegated by such Senior Officer will not thereby relieve the Senior Officer from responsibility for the  performance of such actions.      VI. ROLES AND RESPONSIBILITIES    All Company personnel and business units in each line are responsible for managing risk in accordance  with, among other things, the Company&#8217;s Enterprise Risk Management Policy and its Risk Appetite Policy.    A. The GC shall be principally responsible for this Policy and the enforcement of the requirements set forth  herein.    B. Business units with responsibilities and accountabilities with respect to this Policy include, but are not  limited to:     1. First line business units (collectively, the &#8220;First Line&#8221;):     a. Lending Administration Unit within the Company&#8217;s Lending Department;     b. Enterprise Operations Department;     c. Community Banking Administration Department and the Company&#8217;s various Community Banking  and Lending Units;   </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
<!-- ex97-ibcrpolicy2023x11x1007.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex97-ibcrpolicy2023x11x1007.jpg" title="slide7" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">    Incentive-Based Compensation Recoupment (IBCR) Policy approved as of November 13, 2023 Page 7 of 9  &copy; 2023 New York Community Bancorp, Inc.      d. Mortgage;    e. Commercial and Private Banking Group;    f. Legal;     g. Financial Services Department, including (without limitation) its Financial Services Administration  Unit, its Accounting Unit, and its Financial Reporting Unit; and     h. Treasury Department.    2. Second line business units (collectively, the &#8220;Second Line&#8221;):      a. Enterprise Compliance Department (&#8220;Enterprise Compliance&#8221;);     b. Risk Management Division; and    c. Enterprise Risk Management Department (&#8220;ERM&#8221;), including (without limitation) its ERM Credit  Risk Management Unit and the Company&#8217;s various Credit Risk Administration Units.     3. Third line business unit (the &#8220;Third Line&#8221;):  Internal Audit.     C. The First Line shall be responsible for identifying, monitoring, managing, and mitigating risks associated  with their activities and for adhering to risk tolerances and limits established by Senior Management and  the Board. The First Line also shall be responsible for developing and maintaining processes, procedures,  and internal controls (including, without limitation, establishing, refining, and testing risks and controls in  the Company&#8217;s GRC system (Archer)), as necessary, to ensure Company personnel and third-party service  providers, as applicable, comply with this Policy.    D. The Second Line shall be responsible for oversight and assessment of the Company&#8217;s risk-taking activities  specific to this Policy and for providing tools to assist all organizational units in managing certain risks  related thereto.    E. The Third Line shall be responsible for providing timely, relevant, independent, and objective, enterprise- level perspectives on, and assurance regarding, among other things, the effectiveness of governance, risk  management, and internal controls related hereto, and the overall safety and soundness of the Company  as a result thereof.         </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
<!-- ex97-ibcrpolicy2023x11x1008.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex97-ibcrpolicy2023x11x1008.jpg" title="slide8" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">    Incentive-Based Compensation Recoupment (IBCR) Policy approved as of November 13, 2023 Page 8 of 9  &copy; 2023 New York Community Bancorp, Inc.    VII. ASSOCIATED INTERNAL DOCUMENTS     This Policy shall be carried out by each line, as applicable, in accordance with the respective programs and  procedures of its applicable business unit(s), which shall be consistent with the requirements of this Policy  and any other related Company policies, guidelines, standards, or procedures.      VIII. ASSOCIATED EXTERNAL DOCUMENTS     This Policy shall be reflective of and carried out by each line, as applicable, in accordance with Applicable  Law, including (without limitation) Section 10D of the Exchange Act, Rule 10D-1 under the Exchange Act,  and Section 303A.14 of the Listing Rules (as each may be amended from time to time).       IX. POLICY CONFLICTS, QUESTIONS, AND VIOLATIONS    A. To the extent that any of the terms of this Policy conflict with any applicable law, rule, or regulation, the  terms of such applicable law, rule, or regulation shall govern.  To the extent that this Policy conflicts with,  or is superseded by, any other Company rule or policy, or with written instructions provided to an employee  by any senior officer of the Company to whom such employee reports, the applicable portions of this Policy  and such other rules, policies, and instructions shall be applied so as to give effect to the term, rule, policy,  or instruction which is most restrictive, unless otherwise indicated in writing by the Company&#8217;s Policy  Coordinator (the &#8220;Policy Coordinator&#8221;).  Company personnel shall be responsible for promptly reporting all  such conflicts to the Policy Coordinator.    B. Anyone with questions about the meaning or applicability of this Policy, and anyone aware of any violation  of this Policy, shall contact the undersigned policy owner (the &#8220;Policy Owner&#8221;), and the Policy Owner shall  confer with a duly designated in-house attorney regarding any questions about the interpretation or  application of any applicable law, rule, or regulation (including related regulatory guidance).        [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]     </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
<!-- ex97-ibcrpolicy2023x11x1009.jpg -->
<DIV style="padding-top:2em;">
<IMG src="ex97-ibcrpolicy2023x11x1009.jpg" title="slide9" width="1055" height="1365">
<DIV><FONT size="1" style="font-size:1pt;color:white">    Incentive-Based Compensation Recoupment (IBCR) Policy approved as of November 13, 2023 Exhibit A  &copy; 2023 New York Community Bancorp, Inc.    EXHIBIT A  &nbsp; New York Community Bancorp, Inc. and its additional Covered Affiliates   INCENTIVE-BASED COMPENSATION RECOUPMENT (IBCR) POLICY  &nbsp; ACKNOWLEDGEMENT FORM    By signing below, the undersigned acknowledges and confirms that he/she has received and reviewed a  copy of the Company&#8217;s Incentive-Based Compensation Recoupment (IBCR) Policy (the &#8220;Policy&#8221;). (Unless  otherwise defined in this Acknowledgement Form (this &#8220;Acknowledgement&#8221;), each capitalized term used  herein shall have the same meaning ascribed thereto in the Policy.)    By signing this Acknowledgement, as an Executive Officer, the undersigned acknowledges and agrees  that he/she is and will continue to be subject to the Policy and that the Policy will apply both during and  after his/her employment with the Company. Further, by signing below, the undersigned agrees to abide  by the terms of the Policy, including (without limitation) by returning any Erroneously Awarded  Compensation to the Company to the extent required by, and in a manner consistent with, the Policy.                Executive Officer                             Signature                           Printed Name                           Date          </FONT></DIV>
<P><HR noshade><P>
<DIV style="page-break-before:always;">&nbsp;</DIV>
</DIV>
</DIV>
</DIV>
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>8
<FILENAME>fbc-20231231.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:bcf5b3f7-51bd-440b-a38b-1e93b39d7ed3,g:a0b96615-d252-4bd2-95c9-6be1cb8e717d-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:fbc="http://www.flagstar.com/20231231" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:dtr-types1="http://www.xbrl.org/dtr/type/2020-01-21" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.flagstar.com/20231231">
  <xs:import namespace="http://fasb.org/srt/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd"/>
  <xs:import namespace="http://www.w3.org/1999/xlink" schemaLocation="http://www.xbrl.org/2003/xlink-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2023" schemaLocation="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/stpr/2023" schemaLocation="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fbc-20231231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fbc-20231231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fbc-20231231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="fbc-20231231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://www.flagstar.com/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AuditInformation" roleURI="http://www.flagstar.com/role/AuditInformation">
        <link:definition>0000002 - Document - Audit Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofCondition" roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofCondition">
        <link:definition>0000003 - Statement - Consolidated Statements of Condition</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofConditionParenthetical" roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical">
        <link:definition>0000004 - Statement - Consolidated Statements of Condition (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofIncomeandComprehensiveIncome" roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome">
        <link:definition>0000005 - Statement - Consolidated Statements of Income and Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical" roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical">
        <link:definition>0000006 - Statement - Consolidated Statements of Income and Comprehensive Income (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofChangesinStockholdersEquity" roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity">
        <link:definition>0000007 - Statement - Consolidated Statements of Changes in Stockholders' Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofChangesinStockholdersEquityParenthetical" roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquityParenthetical">
        <link:definition>0000008 - Statement - Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ConsolidatedStatementsofCashFlows" roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows">
        <link:definition>0000009 - Statement - Consolidated Statements of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofBusinessOrganizationandBasisofPresentation" roleURI="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentation">
        <link:definition>0000010 - Disclosure - Description of Business, Organization and Basis of Presentation</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPolicies" roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPolicies">
        <link:definition>0000011 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinations" roleURI="http://www.flagstar.com/role/BusinessCombinations">
        <link:definition>0000012 - Disclosure - Business Combinations</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AccumulatedOtherComprehensiveIncome" roleURI="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncome">
        <link:definition>0000013 - Disclosure - Accumulated Other Comprehensive Income</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecurities" roleURI="http://www.flagstar.com/role/InvestmentSecurities">
        <link:definition>0000014 - Disclosure - Investment Securities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeases" roleURI="http://www.flagstar.com/role/LoansandLeases">
        <link:definition>0000015 - Disclosure - Loans and Leases</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesonLoansandLeases" roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeases">
        <link:definition>0000016 - Disclosure - Allowance for Credit Losses on Loans and Leases</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Leases" roleURI="http://www.flagstar.com/role/Leases">
        <link:definition>0000017 - Disclosure - Leases</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageServicingRights" roleURI="http://www.flagstar.com/role/MortgageServicingRights">
        <link:definition>0000018 - Disclosure - Mortgage Servicing Rights</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntities" roleURI="http://www.flagstar.com/role/VariableInterestEntities">
        <link:definition>0000019 - Disclosure - Variable Interest Entities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowedFunds" roleURI="http://www.flagstar.com/role/BorrowedFunds">
        <link:definition>0000020 - Disclosure - Borrowed Funds</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Deposits" roleURI="http://www.flagstar.com/role/Deposits">
        <link:definition>0000021 - Disclosure - Deposits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalStateandLocalTaxes" roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxes">
        <link:definition>0000022 - Disclosure - Federal, State, and Local Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockRelatedBenefitsPlans" roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlans">
        <link:definition>0000023 - Disclosure - Stock-Related Benefits Plans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeandHedgingActivities" roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivities">
        <link:definition>0000024 - Disclosure - Derivative and Hedging Activities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleAssets" roleURI="http://www.flagstar.com/role/IntangibleAssets">
        <link:definition>0000025 - Disclosure - Intangible Assets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Capital" roleURI="http://www.flagstar.com/role/Capital">
        <link:definition>0000026 - Disclosure - Capital</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasures" roleURI="http://www.flagstar.com/role/FairValueMeasures">
        <link:definition>0000027 - Disclosure - Fair Value Measures</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefits" roleURI="http://www.flagstar.com/role/EmployeeBenefits">
        <link:definition>0000028 - Disclosure - Employee Benefits</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingencies" roleURI="http://www.flagstar.com/role/CommitmentandContingencies">
        <link:definition>0000029 - Disclosure - Commitment and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="Segments" roleURI="http://www.flagstar.com/role/Segments">
        <link:definition>0000030 - Disclosure - Segments</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentCompanyOnlyFinancialInformation" roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformation">
        <link:definition>0000031 - Disclosure - Parent Company-Only Financial Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEvents" roleURI="http://www.flagstar.com/role/SubsequentEvents">
        <link:definition>0000032 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesPolicies" roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies">
        <link:definition>9954471 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofBusinessOrganizationandBasisofPresentationTables" roleURI="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationTables">
        <link:definition>9954472 - Disclosure - Description of Business, Organization and Basis of Presentation (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesTables" roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesTables">
        <link:definition>9954473 - Disclosure - Summary of Significant Accounting Policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationsTables" roleURI="http://www.flagstar.com/role/BusinessCombinationsTables">
        <link:definition>9954474 - Disclosure - Business Combinations (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AccumulatedOtherComprehensiveIncomeTables" roleURI="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeTables">
        <link:definition>9954475 - Disclosure - Accumulated Other Comprehensive Income (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesTables" roleURI="http://www.flagstar.com/role/InvestmentSecuritiesTables">
        <link:definition>9954476 - Disclosure - Investment Securities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesTables" roleURI="http://www.flagstar.com/role/LoansandLeasesTables">
        <link:definition>9954477 - Disclosure - Loans and Leases (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesonLoansandLeasesTables" roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesTables">
        <link:definition>9954478 - Disclosure - Allowance for Credit Losses on Loans and Leases (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesTables" roleURI="http://www.flagstar.com/role/LeasesTables">
        <link:definition>9954479 - Disclosure - Leases (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageServicingRightsTables" roleURI="http://www.flagstar.com/role/MortgageServicingRightsTables">
        <link:definition>9954480 - Disclosure - Mortgage Servicing Rights (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowedFundsTables" roleURI="http://www.flagstar.com/role/BorrowedFundsTables">
        <link:definition>9954481 - Disclosure - Borrowed Funds (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsTables" roleURI="http://www.flagstar.com/role/DepositsTables">
        <link:definition>9954482 - Disclosure - Deposits (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalStateandLocalTaxesTables" roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesTables">
        <link:definition>9954483 - Disclosure - Federal, State, and Local Taxes (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockRelatedBenefitsPlansTables" roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansTables">
        <link:definition>9954484 - Disclosure - Stock-Related Benefits Plans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeandHedgingActivitiesTables" roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables">
        <link:definition>9954485 - Disclosure - Derivative and Hedging Activities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleAssetsTables" roleURI="http://www.flagstar.com/role/IntangibleAssetsTables">
        <link:definition>9954486 - Disclosure - Intangible Assets (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CapitalTables" roleURI="http://www.flagstar.com/role/CapitalTables">
        <link:definition>9954487 - Disclosure - Capital (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasuresTables" roleURI="http://www.flagstar.com/role/FairValueMeasuresTables">
        <link:definition>9954488 - Disclosure - Fair Value Measures (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitsTables" roleURI="http://www.flagstar.com/role/EmployeeBenefitsTables">
        <link:definition>9954489 - Disclosure - Employee Benefits (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingenciesTables" roleURI="http://www.flagstar.com/role/CommitmentandContingenciesTables">
        <link:definition>9954490 - Disclosure - Commitment and Contingencies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsTables" roleURI="http://www.flagstar.com/role/SegmentsTables">
        <link:definition>9954491 - Disclosure - Segments (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentCompanyOnlyFinancialInformationTables" roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationTables">
        <link:definition>9954492 - Disclosure - Parent Company-Only Financial Information (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DescriptionofBusinessOrganizationandBasisofPresentationDetails" roleURI="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails">
        <link:definition>9954493 - Disclosure - Description of Business, Organization and Basis of Presentation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesNarrativeDetails" roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails">
        <link:definition>9954494 - Disclosure - Summary of Significant Accounting Policies - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails" roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails">
        <link:definition>9954495 - Disclosure - Summary of Significant Accounting Policies - Estimated Useful Lives of Respective Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesEarningsPerShareDetails" roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails">
        <link:definition>9954496 - Disclosure - Summary of Significant Accounting Policies - Earnings Per Share (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationsNarrativeDetails" roleURI="http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails">
        <link:definition>9954497 - Disclosure - Business Combinations - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationsNetAssetsAcquiredDetails" roleURI="http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails">
        <link:definition>9954498 - Disclosure - Business Combinations - Net Assets Acquired (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationsPreliminaryAllocationDetails" roleURI="http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails">
        <link:definition>9954499 - Disclosure - Business Combinations - Preliminary Allocation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationsPCDLoansAcquiredDetails" roleURI="http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails">
        <link:definition>9954500 - Disclosure - Business Combinations - PCD Loans Acquired (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationsProFormaInformationDetails" roleURI="http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails">
        <link:definition>9954501 - Disclosure - Business Combinations - Pro Forma Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AccumulatedOtherComprehensiveIncomeDetails" roleURI="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails">
        <link:definition>9954502 - Disclosure - Accumulated Other Comprehensive Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails" roleURI="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails">
        <link:definition>9954503 - Disclosure - Investment Securities - Summary of Investment Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails" roleURI="http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails">
        <link:definition>9954504 - Disclosure - Investment Securities - Investment Securities, Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesRealizedGainLossDetails" roleURI="http://www.flagstar.com/role/InvestmentSecuritiesRealizedGainLossDetails">
        <link:definition>9954505 - Disclosure - Investment Securities - Realized Gain/Loss (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails" roleURI="http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails">
        <link:definition>9954506 - Disclosure - Investment Securities - Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails" roleURI="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails">
        <link:definition>9954507 - Disclosure - Investment Securities - Summary of Unrealized Loss Positions on Investment Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesComponentsDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesComponentsDetails">
        <link:definition>9954508 - Disclosure - Loans and Leases - Components (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesNarrativeDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesNarrativeDetails">
        <link:definition>9954509 - Disclosure - Loans and Leases - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesQualityofLoansHeldforInvestmentDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails">
        <link:definition>9954510 - Disclosure - Loans and Leases - Quality of Loans Held for Investment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails">
        <link:definition>9954511 - Disclosure - Loans and Leases - Loans Held for Investment by Credit Quality Indicator (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails">
        <link:definition>9954512 - Disclosure - Loans and Leases - Loans Held for Investment by Credit Quality Indicator - Amortized Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesCollateralDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesCollateralDetails">
        <link:definition>9954513 - Disclosure - Loans and Leases - Collateral (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesLoanModificationsDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails">
        <link:definition>9954514 - Disclosure - Loans and Leases - Loan Modifications (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails">
        <link:definition>9954515 - Disclosure - Loans and Leases - Performance of Loans Modified in Last 12 Months (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesTDRsDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesTDRsDetails">
        <link:definition>9954516 - Disclosure - Loans and Leases - TDRs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansandLeasesFinancialEffectofTDRsDetails" roleURI="http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails">
        <link:definition>9954517 - Disclosure - Loans and Leases - Financial Effect of TDRs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails" roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails">
        <link:definition>9954518 - Disclosure - Allowance for Credit Losses on Loans and Leases - Schedule of Activity in the Allowance for Loan and Lease Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesonLoansandLeasesNarrativeDetails" roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails">
        <link:definition>9954519 - Disclosure - Allowance for Credit Losses on Loans and Leases - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails" roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails">
        <link:definition>9954520 - Disclosure - Allowance for Credit Losses on Loans and Leases - Schedule of Additional Information about Nonaccrual Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesLessorArrangementsNarrativeDetails" roleURI="http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails">
        <link:definition>9954521 - Disclosure - Leases - Lessor Arrangements Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesComponentsofLeaseIncomeDetails" roleURI="http://www.flagstar.com/role/LeasesComponentsofLeaseIncomeDetails">
        <link:definition>9954522 - Disclosure - Leases - Components of Lease Income (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails" roleURI="http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails">
        <link:definition>9954523 - Disclosure - Leases - Components of Net Investment in Direct Financing Leases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails" roleURI="http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails">
        <link:definition>9954524 - Disclosure - Leases - Maturity Analysis of Undiscounted Lease Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesLeaseArrangementsNarrativeDetails" roleURI="http://www.flagstar.com/role/LeasesLeaseArrangementsNarrativeDetails">
        <link:definition>9954525 - Disclosure - Leases - Lease Arrangements Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesComponentofLeaseExpenseDetails" roleURI="http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails">
        <link:definition>9954526 - Disclosure - Leases - Component of Lease Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesSupplementalCashFlowInformationDetails" roleURI="http://www.flagstar.com/role/LeasesSupplementalCashFlowInformationDetails">
        <link:definition>9954527 - Disclosure - Leases - Supplemental Cash Flow Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesSupplementalBalanceSheetInformationDetails" roleURI="http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails">
        <link:definition>9954528 - Disclosure - Leases - Supplemental Balance Sheet Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesMaturitiesofLeaseLiabilitiesDetails" roleURI="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails">
        <link:definition>9954529 - Disclosure - Leases - Maturities of Lease Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LeasesMaturitiesofLeaseLiabilitiesDetails_1" roleURI="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1">
        <link:definition>9954529 - Disclosure - Leases - Maturities of Lease Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails" roleURI="http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails">
        <link:definition>9954530 - Disclosure - Mortgage Servicing Rights - Changes in the Fair Value of Residential First Mortgage MSRs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails" roleURI="http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails">
        <link:definition>9954531 - Disclosure - Mortgage Servicing Rights - Summary of Adverse Changes to Weighted-Average Assumptions on the Fair Value of Servicing Rights (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="MortgageServicingRightsSummaryofIncomeandFeesDetails" roleURI="http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails">
        <link:definition>9954532 - Disclosure - Mortgage Servicing Rights - Summary of Income and Fees (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="VariableInterestEntitiesDetails" roleURI="http://www.flagstar.com/role/VariableInterestEntitiesDetails">
        <link:definition>9954533 - Disclosure - Variable Interest Entities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowedFundsBreakdownofborrowedfundsDetails" roleURI="http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails">
        <link:definition>9954534 - Disclosure - Borrowed Funds - Breakdown of borrowed funds (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowedFundsNarrativeDetails" roleURI="http://www.flagstar.com/role/BorrowedFundsNarrativeDetails">
        <link:definition>9954535 - Disclosure - Borrowed Funds - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowedFundsAdvancesDetails" roleURI="http://www.flagstar.com/role/BorrowedFundsAdvancesDetails">
        <link:definition>9954536 - Disclosure - Borrowed Funds - Advances (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowedFundsJuniorSubordinatedDebenturesDetails" roleURI="http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails">
        <link:definition>9954537 - Disclosure - Borrowed Funds - Junior Subordinated Debentures (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BorrowedFundsSubordinatedNotesDetails" roleURI="http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails">
        <link:definition>9954538 - Disclosure - Borrowed Funds - Subordinated Notes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsScheduleofDepositsDetails" roleURI="http://www.flagstar.com/role/DepositsScheduleofDepositsDetails">
        <link:definition>9954539 - Disclosure - Deposits - Schedule of Deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsNarrativeDetails" roleURI="http://www.flagstar.com/role/DepositsNarrativeDetails">
        <link:definition>9954540 - Disclosure - Deposits - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DepositsMaturitiesDetails" roleURI="http://www.flagstar.com/role/DepositsMaturitiesDetails">
        <link:definition>9954541 - Disclosure - Deposits - Maturities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails" roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails">
        <link:definition>9954542 - Disclosure - Federal, State, and Local Taxes - Deferred Tax Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalStateandLocalTaxesNarrativeDetails" roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails">
        <link:definition>9954543 - Disclosure - Federal, State, and Local Taxes - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails" roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails">
        <link:definition>9954544 - Disclosure - Federal, State, and Local Taxes - Components of Income Tax Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalStateandLocalTaxesReconciliationDetails" roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails">
        <link:definition>9954545 - Disclosure - Federal, State, and Local Taxes - Reconciliation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails" roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails">
        <link:definition>9954546 - Disclosure - Federal, State, and Local Taxes - Reconciliation of Gross Amounts of Tax Contingencies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockRelatedBenefitsPlansNarrativeDetails" roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails">
        <link:definition>9954547 - Disclosure - Stock-Related Benefits Plans - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails" roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails">
        <link:definition>9954548 - Disclosure - Stock-Related Benefits Plans - Summary of Restricted Stock Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails" roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails">
        <link:definition>9954549 - Disclosure - Stock-Related Benefits Plans - Summary of Performance-Based Restricted Stock Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeandHedgingActivitiesNarrativeDetails" roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails">
        <link:definition>9954550 - Disclosure - Derivative and Hedging Activities - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails" roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails">
        <link:definition>9954551 - Disclosure - Derivative and Hedging Activities - Notional Amount and Fair Value of Derivative Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails" roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails">
        <link:definition>9954552 - Disclosure - Derivative and Hedging Activities - Derivatives Subject to a Master Netting Arrangement (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails" roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails">
        <link:definition>9954553 - Disclosure - Derivative and Hedging Activities - Cash Flow Derivative Instruments On AOCL (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails" roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails">
        <link:definition>9954554 - Disclosure - Derivative and Hedging Activities - Net Gain (Loss) Recognized on Designated Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleAssetsGoodwillDetails" roleURI="http://www.flagstar.com/role/IntangibleAssetsGoodwillDetails">
        <link:definition>9954555 - Disclosure - Intangible Assets - Goodwill (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleAssetsNarrativeDetails" roleURI="http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails">
        <link:definition>9954556 - Disclosure - Intangible Assets - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleAssetsScheduleIntangibleAssetsDetails" roleURI="http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails">
        <link:definition>9954557 - Disclosure - Intangible Assets - Schedule Intangible Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="IntangibleAssetsFutureAmortizationDetails" roleURI="http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails">
        <link:definition>9954558 - Disclosure - Intangible Assets - Future Amortization (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CapitalActualCapitalAmountandRatiosDetails" roleURI="http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails">
        <link:definition>9954559 - Disclosure - Capital - Actual Capital Amount and Ratios (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CapitalPreferredStockandTreasuryStockDetails" roleURI="http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails">
        <link:definition>9954560 - Disclosure - Capital - Preferred Stock and Treasury Stock (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails" roleURI="http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails">
        <link:definition>9954561 - Disclosure - Fair Value Measures - Financial Instruments Carried at Fair Value (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasuresRollForwardofFinancialInstrumentsDetails" roleURI="http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails">
        <link:definition>9954562 - Disclosure - Fair Value Measures - Roll Forward of Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails" roleURI="http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails">
        <link:definition>9954563 - Disclosure - Fair Value Measures - Quantitative Information about Recurring Level 3 Fair Value Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails" roleURI="http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails">
        <link:definition>9954564 - Disclosure - Fair Value Measures - Assets Measured at Fair Value on a Nonrecurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails" roleURI="http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails">
        <link:definition>9954565 - Disclosure - Fair Value Measures - Carrying Amount and Estimated Fair Value of Financial Instruments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasuresNarrativeDetails" roleURI="http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails">
        <link:definition>9954566 - Disclosure - Fair Value Measures - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasuresChangesinFairValueIncludedinEarningsFairValueOptionDetails" roleURI="http://www.flagstar.com/role/FairValueMeasuresChangesinFairValueIncludedinEarningsFairValueOptionDetails">
        <link:definition>9954567 - Disclosure - Fair Value Measures - Changes in Fair Value Included in Earnings - Fair Value Option (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails" roleURI="http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails">
        <link:definition>9954568 - Disclosure - Fair Value Measures - Differences Between Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance Outstanding - Fair Value Option (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitsObligationsDetails" roleURI="http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails">
        <link:definition>9954569 - Disclosure - Employee Benefits - Obligations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitsNarrativeDetails" roleURI="http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails">
        <link:definition>9954570 - Disclosure - Employee Benefits - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitsScheduleofNetBenefitCostsDetails" roleURI="http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails">
        <link:definition>9954571 - Disclosure - Employee Benefits - Schedule of Net Benefit Costs (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitsWeightedAverageAssumptionDetails" roleURI="http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails">
        <link:definition>9954572 - Disclosure - Employee Benefits - Weighted Average Assumption (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitsAssetAllocationPercentageDetails" roleURI="http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails">
        <link:definition>9954573 - Disclosure - Employee Benefits - Asset Allocation Percentage (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitsFairValueofInvestmentsDetails" roleURI="http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails">
        <link:definition>9954574 - Disclosure - Employee Benefits- Fair Value of Investments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitsCurrentAllocationsDetails" roleURI="http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails">
        <link:definition>9954575 - Disclosure - Employee Benefits - Current Allocations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EmployeeBenefitsExpectedFuturePaymentsDetails" roleURI="http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails">
        <link:definition>9954576 - Disclosure - Employee Benefits - Expected Future Payments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingenciesNarrativeDetails" roleURI="http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails">
        <link:definition>9954577 - Disclosure - Commitment and Contingencies - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingenciesOffBalanceSheetDetails" roleURI="http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails">
        <link:definition>9954578 - Disclosure - Commitment and Contingencies - Off Balance Sheet (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingenciesObligationsDetails" roleURI="http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails">
        <link:definition>9954579 - Disclosure - Commitment and Contingencies - Obligations (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SegmentsDetails" roleURI="http://www.flagstar.com/role/SegmentsDetails">
        <link:definition>9954580 - Disclosure - Segments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentCompanyOnlyFinancialInformationBalanceSheetDetails" roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails">
        <link:definition>9954581 - Disclosure - Parent Company-Only Financial Information - Balance Sheet (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentCompanyOnlyFinancialInformationIncomeStatementDetails" roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails">
        <link:definition>9954582 - Disclosure - Parent Company-Only Financial Information - Income Statement (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails" roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails">
        <link:definition>9954583 - Disclosure - Parent Company-Only Financial Information - Cash Flows Statement (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SubsequentEventsDetails" roleURI="http://www.flagstar.com/role/SubsequentEventsDetails">
        <link:definition>9954584 - Disclosure - Subsequent Events (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="fbc_DefinedBenefitPlanCurrentMedicalTrendRate" abstract="false" name="DefinedBenefitPlanCurrentMedicalTrendRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" abstract="false" name="InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" abstract="false" name="NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_InterestBearingDomesticDepositBrokeredMoneyMarket" abstract="false" name="InterestBearingDomesticDepositBrokeredMoneyMarket" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_IntangibleAssetsAcquiredThroughForeclosure" abstract="false" name="IntangibleAssetsAcquiredThroughForeclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_GainLossOnSaleOfFinancingReceivableMember" abstract="true" name="GainLossOnSaleOfFinancingReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_InterestInPreferredStock" abstract="false" name="InterestInPreferredStock" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fbc_FlagstarBancorpMember" abstract="true" name="FlagstarBancorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_AssetsAndLiabilitiesLesseeTableTextBlock" abstract="false" name="AssetsAndLiabilitiesLesseeTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fbc_VariableInterestEntityNumberofEntities" abstract="false" name="VariableInterestEntityNumberofEntities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_NewYorkCommunityCapitalTrustXMember" abstract="true" name="NewYorkCommunityCapitalTrustXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_PreferredStockDividendRateBasisSpreadOnVariableRate" abstract="false" name="PreferredStockDividendRateBasisSpreadOnVariableRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_WeightedAverageRateNoninterestBearingDepositLiabilities" abstract="false" name="WeightedAverageRateNoninterestBearingDepositLiabilities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fbc_CommonStockIssuedInBusinessCombination" abstract="false" name="CommonStockIssuedInBusinessCombination" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" abstract="false" name="OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock" abstract="false" name="ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability" abstract="false" name="FinancingReceivableWithGovernmentGuarantyRepurchaseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_EquityInstrumentFDICAppreciationIssued" abstract="false" name="EquityInstrumentFDICAppreciationIssued" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivableWithGovernmentGuaranty" abstract="false" name="FinancingReceivableWithGovernmentGuaranty" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_GuarantorObligationsCurrentCarryingValueNoncurrent" abstract="false" name="GuarantorObligationsCurrentCarryingValueNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" abstract="false" name="DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_PercentageOfTotalDeposits" abstract="false" name="PercentageOfTotalDeposits" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables" abstract="false" name="PaymentsForProceedsFromOtherChangesInFinancingReceivables" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_MarketableSecuritiesGrossUnrealizedGain" abstract="false" name="MarketableSecuritiesGrossUnrealizedGain" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" abstract="false" name="SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_ImpairedLoansFairValueDisclosure" abstract="false" name="ImpairedLoansFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_IncreaseInDebtSecuritiesTrading" abstract="false" name="IncreaseInDebtSecuritiesTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SwapFHLBMember" abstract="true" name="SwapFHLBMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_GuarantorObligationsCurrentCarryingValueCurrent" abstract="false" name="GuarantorObligationsCurrentCarryingValueCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_NonaccrualLoansMember" abstract="true" name="NonaccrualLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_DeferredTaxLiabilitiesDeferredLoanFees" abstract="false" name="DeferredTaxLiabilitiesDeferredLoanFees" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember" abstract="true" name="FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAndFederalReserveBankAdvances" abstract="false" name="FederalHomeLoanBankAndFederalReserveBankAdvances" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SensitivityAnalysisAdverseChangeTranche1Abstract" abstract="true" name="SensitivityAnalysisAdverseChangeTranche1Abstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_DecreaseInDebtSecuritiesTrading" abstract="false" name="DecreaseInDebtSecuritiesTrading" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FairValueOptionContractualPrincipalOutstandingAssets" abstract="false" name="FairValueOptionContractualPrincipalOutstandingAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_CashFlowLesseeAbstract" abstract="true" name="CashFlowLesseeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_NumberOfStatesInWhichOfficesAreLocated" abstract="false" name="NumberOfStatesInWhichOfficesAreLocated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember" abstract="true" name="DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_ATMMember" abstract="true" name="ATMMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanPlanAssetsShares" abstract="false" name="DefinedBenefitPlanPlanAssetsShares" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustIXMember" abstract="true" name="FlagstarStatutoryTrustIXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustVIIIMember" abstract="true" name="FlagstarStatutoryTrustVIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" abstract="false" name="BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_EquityCapitalRaiseMember" abstract="true" name="EquityCapitalRaiseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest" abstract="false" name="FinancingReceivableTroubledDebtRestructuringCapitalizedInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_WeightedAverageCosttoServicePerLoanMember" abstract="true" name="WeightedAverageCosttoServicePerLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification" abstract="false" name="FinancingReceivableModifiedWeightedAverageInterestRateAfterModification" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" abstract="false" name="SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_MeasurementInputOriginationPullThroughMember" abstract="true" name="MeasurementInputOriginationPullThroughMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanEquitySmallCapCoreMember" abstract="true" name="DefinedBenefitPlanEquitySmallCapCoreMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_NoninterestIncomeOtherOperatingIncomeMember" abstract="true" name="NoninterestIncomeOtherOperatingIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_OfficersAndDirectorsMember" abstract="true" name="OfficersAndDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FourthFundsTargetsInvestmentsMember" abstract="true" name="FourthFundsTargetsInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember" abstract="true" name="InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_EquitySecuritiesUnrealizedLoss" abstract="false" name="EquitySecuritiesUnrealizedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" abstract="false" name="SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_OtherLoanCommitmentsMember" abstract="true" name="OtherLoanCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_OneToFourFamilyIncludingInterestRateLocksMember" abstract="true" name="OneToFourFamilyIncludingInterestRateLocksMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanEquityNonUSValueMember" abstract="true" name="DefinedBenefitPlanEquityNonUSValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_BankOwnedLifeInsurancePolicyTextBlock" abstract="false" name="BankOwnedLifeInsurancePolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanEquityLargeCapCoreMember" abstract="true" name="DefinedBenefitPlanEquityLargeCapCoreMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustVIIMember" abstract="true" name="FlagstarStatutoryTrustVIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" abstract="false" name="DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_MortgageServicingRightsMSRImpairmentRecoveryMember" abstract="true" name="MortgageServicingRightsMSRImpairmentRecoveryMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_RestrictedStockandRestrictedStockUnitsMember" abstract="true" name="RestrictedStockandRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_RealPropertyCollateralMember" abstract="true" name="RealPropertyCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" abstract="true" name="FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_RateLockCommitmentsAndUSTreasuryFuturesMember" abstract="true" name="RateLockCommitmentsAndUSTreasuryFuturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_JuniorSubordinatedDebenturesDividendsTerm" abstract="false" name="JuniorSubordinatedDebenturesDividendsTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fbc_SensitivityAnalysisActualAbstract" abstract="true" name="SensitivityAnalysisActualAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" abstract="false" name="SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" abstract="false" name="SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" abstract="false" name="ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_WarrantOrRightCouponRate" abstract="false" name="WarrantOrRightCouponRate" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_SignatureBridgeBankMember" abstract="true" name="SignatureBridgeBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" abstract="false" name="SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BifurcatedOptionNotesUnitSecuritiesMember" abstract="true" name="BifurcatedOptionNotesUnitSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" abstract="false" name="EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_PennFedCapitalTrustIIIMember" abstract="true" name="PennFedCapitalTrustIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" abstract="false" name="DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" abstract="false" name="BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" abstract="false" name="DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" abstract="false" name="BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" abstract="false" name="OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" abstract="false" name="DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_InterestRateSwapsFHLBAdvancesMember" abstract="true" name="InterestRateSwapsFHLBAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_BankingRegulationTier1LeverageCapitalExcessRatio" abstract="false" name="BankingRegulationTier1LeverageCapitalExcessRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_MultiFamilyAndCommercialRealEstateMember" abstract="true" name="MultiFamilyAndCommercialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FinancialAsset30To89DaysPastDueMember" abstract="true" name="FinancialAsset30To89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" abstract="false" name="NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_NetChangeInReceivableFromSubsidiaries" abstract="false" name="NetChangeInReceivableFromSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustIIMember" abstract="true" name="FlagstarStatutoryTrustIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_PreferredStockLiquidationPreferencePerDepositaryShare" abstract="false" name="PreferredStockLiquidationPreferencePerDepositaryShare" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" abstract="false" name="AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanEquityNonUSGrowthMember" abstract="true" name="DefinedBenefitPlanEquityNonUSGrowthMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_ComprehensiveIncomeLossTaxParent" abstract="false" name="ComprehensiveIncomeLossTaxParent" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_NewYorkCommunityCapitalTrustXIMember" abstract="true" name="NewYorkCommunityCapitalTrustXIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_LeaseFinancingLoansMember" abstract="true" name="LeaseFinancingLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" abstract="false" name="EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification" abstract="false" name="FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fbc_SensitivityAnalysisAdverseChangeTranche2Abstract" abstract="true" name="SensitivityAnalysisAdverseChangeTranche2Abstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_SecuredOvernightFinancingRateSOFRMember" abstract="true" name="SecuredOvernightFinancingRateSOFRMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_ForwardCommitmentsMember" abstract="true" name="ForwardCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FairValueOptionLoansHeldAsAssets" abstract="false" name="FairValueOptionLoansHeldAsAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" abstract="false" name="NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanExpectedFutureBenefitPayment" abstract="false" name="DefinedBenefitPlanExpectedFutureBenefitPayment" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_AffordableHousingProgramObligationPeriod" abstract="false" name="AffordableHousingProgramObligationPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" abstract="false" name="DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SubordinatedNotesMaturingIn2028Member" abstract="true" name="SubordinatedNotesMaturingIn2028Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_SharesIssuedPricePerShareSplitAdjustedBasis" abstract="false" name="SharesIssuedPricePerShareSplitAdjustedBasis" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="fbc_BusinessAcquisitionsProFormaNetIncomeInterest" abstract="false" name="BusinessAcquisitionsProFormaNetIncomeInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember" abstract="true" name="CommercialAndIndustrialLoanAndLeaseFinancingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_WarrantsAndRightsOutstandingNoncallableTerm" abstract="false" name="WarrantsAndRightsOutstandingNoncallableTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanEquityMidCapCoreMember" abstract="true" name="DefinedBenefitPlanEquityMidCapCoreMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_CommercialLettersOfCreditMember" abstract="true" name="CommercialLettersOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_ForeignNotesMember" abstract="true" name="ForeignNotesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" abstract="false" name="SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" abstract="false" name="EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustIVMember" abstract="true" name="FlagstarStatutoryTrustIVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_OtherCollateralMember" abstract="true" name="OtherCollateralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" abstract="false" name="FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_InterestBearingDepositBrokeredCheckingAccount" abstract="false" name="InterestBearingDepositBrokeredCheckingAccount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SubordinatedNotesMaturingIn2030Member" abstract="true" name="SubordinatedNotesMaturingIn2030Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember" abstract="true" name="FurnitureFixturesAndEquipmentBuildingImprovementsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_SeriesCNoncumulativeConvertiblePreferredStockMember" abstract="true" name="SeriesCNoncumulativeConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_MarketableSecuritiesGrossUnrealizedLoss" abstract="false" name="MarketableSecuritiesGrossUnrealizedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" abstract="false" name="NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" abstract="false" name="FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustXMember" abstract="true" name="FlagstarStatutoryTrustXMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustVMember" abstract="true" name="FlagstarStatutoryTrustVMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" abstract="false" name="DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember" abstract="true" name="DefinedBenefitPlanFixedIncomeSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_WeightedAverageRateDepositLiabilities" abstract="false" name="WeightedAverageRateDepositLiabilities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" abstract="false" name="FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessAcquisitionsProFormaNonInterestIncome" abstract="false" name="BusinessAcquisitionsProFormaNonInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DeferredTaxLiabilitiesRightOfUseAsset" abstract="false" name="DeferredTaxLiabilitiesRightOfUseAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_AcquisitionDevelopmentAndConstructionMember" abstract="true" name="AcquisitionDevelopmentAndConstructionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_SpecialtyFinanceLoansAndLeasesMember" abstract="true" name="SpecialtyFinanceLoansAndLeasesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" abstract="false" name="SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember" abstract="true" name="DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_CommercialRealEstateLoansMember" abstract="true" name="CommercialRealEstateLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanEquityLargeCapGrowthMember" abstract="true" name="DefinedBenefitPlanEquityLargeCapGrowthMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FDICServicedLoansMember" abstract="true" name="FDICServicedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_NumberOfBranches" abstract="false" name="NumberOfBranches" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_SeriesBNoncumulativeConvertiblePreferredStockMember" abstract="true" name="SeriesBNoncumulativeConvertiblePreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" abstract="false" name="PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="fbc_CommercialAndIndustrialLoansMember" abstract="true" name="CommercialAndIndustrialLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_ServicingAssetatFairValueNetTransactionCosts" abstract="false" name="ServicingAssetatFairValueNetTransactionCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_AOCICashFlowHedgeCumulativeGainLossTax" abstract="false" name="AOCICashFlowHedgeCumulativeGainLossTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" abstract="true" name="OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="fbc_NumberOfLocalDivisions" abstract="false" name="NumberOfLocalDivisions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_InterestRateSwapsandSwaptionsMember" abstract="true" name="InterestRateSwapsandSwaptionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanEquityLargeCapValueMember" abstract="true" name="DefinedBenefitPlanEquityLargeCapValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" abstract="false" name="AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DeferredTaxAssetsCapitalizedLoanCosts" abstract="false" name="DeferredTaxAssetsCapitalizedLoanCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_WarehouseLoanCommitmentsMember" abstract="true" name="WarehouseLoanCommitmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators" abstract="false" name="FinancingReceivableNumberOfThirdPartyMortgageOriginators" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="fbc_SubservicingAssetatFairValueIncomeAmount" abstract="false" name="SubservicingAssetatFairValueIncomeAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" abstract="true" name="DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_OtherLoansHeldForInvestmentMember" abstract="true" name="OtherLoansHeldForInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_MultiFamilyLoanMember" abstract="true" name="MultiFamilyLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" abstract="false" name="ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember" abstract="true" name="MortgageBackedSecuritiesAndOtherSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustVIMember" abstract="true" name="FlagstarStatutoryTrustVIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_NetLoanAdministrationIncomeMember" abstract="true" name="NetLoanAdministrationIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_DeferredTaxAssetsRightOfUseLiability" abstract="false" name="DeferredTaxAssetsRightOfUseLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_LoansHeldForSaleMember" abstract="true" name="LoansHeldForSaleMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" abstract="false" name="ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fbc_MortgageLoansHeldForInvestmentMember" abstract="true" name="MortgageLoansHeldForInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_MortgageServicingRightsMember" abstract="true" name="MortgageServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_AcquisitionDevelopmentAndConstructionLoanMember" abstract="true" name="AcquisitionDevelopmentAndConstructionLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_FlagstarStatutoryTrustIIIMember" abstract="true" name="FlagstarStatutoryTrustIIIMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" abstract="false" name="DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_PrivateLabelCMOsMember" abstract="true" name="PrivateLabelCMOsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember" abstract="true" name="DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember" abstract="true" name="NewYorkCommunityCapitalTrustVBONUSESUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="fbc_DeferredTaxAssetsAccruedExpenses" abstract="false" name="DeferredTaxAssetsAccruedExpenses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" abstract="false" name="FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="fbc_BONUSESUnitsMember" abstract="true" name="BONUSESUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_LoanAdministrationIncomeExpense" abstract="false" name="LoanAdministrationIncomeExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fbc_SignatureBankMember" abstract="true" name="SignatureBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" abstract="false" name="MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>9
<FILENAME>fbc-20231231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:bcf5b3f7-51bd-440b-a38b-1e93b39d7ed3,g:a0b96615-d252-4bd2-95c9-6be1cb8e717d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofCondition" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofCondition"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofCondition" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_7673963d-fac7-4dc8-b7b7-b861a3deac9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_040e4f07-d64e-47d7-8dec-a411d646a67b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_7673963d-fac7-4dc8-b7b7-b861a3deac9f" xlink:to="loc_us-gaap_OtherLiabilities_040e4f07-d64e-47d7-8dec-a411d646a67b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_f11c68bc-335c-484e-8666-beb28b192b76" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_7673963d-fac7-4dc8-b7b7-b861a3deac9f" xlink:to="loc_us-gaap_LongTermDebt_f11c68bc-335c-484e-8666-beb28b192b76" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_9545304c-96da-4375-9f50-e0bd7682f85c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Deposits"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_7673963d-fac7-4dc8-b7b7-b861a3deac9f" xlink:to="loc_us-gaap_Deposits_9545304c-96da-4375-9f50-e0bd7682f85c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_f381a76b-80ea-406f-a504-2373af0093b7" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_463fac91-6cd4-4b2e-a4ac-1e5505508c39" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_f381a76b-80ea-406f-a504-2373af0093b7" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_463fac91-6cd4-4b2e-a4ac-1e5505508c39" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_8f501537-f239-46b3-84ee-b21787d65c54" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_f381a76b-80ea-406f-a504-2373af0093b7" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_8f501537-f239-46b3-84ee-b21787d65c54" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_2a8782f6-6cb1-457f-b8f7-aab9a87d33bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_2c8f23de-cd1b-4ac2-828c-7141fd4d2837" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_2a8782f6-6cb1-457f-b8f7-aab9a87d33bb" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_2c8f23de-cd1b-4ac2-828c-7141fd4d2837" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_cf71f5ae-be53-4f80-8947-b1e66e641d97" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_2a8782f6-6cb1-457f-b8f7-aab9a87d33bb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_cf71f5ae-be53-4f80-8947-b1e66e641d97" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_5780f59f-a0ca-4f21-99cb-d19e395ebde5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_768ce990-3828-4e65-b2ee-1e2442e66d66" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_5780f59f-a0ca-4f21-99cb-d19e395ebde5" xlink:to="loc_us-gaap_AdditionalPaidInCapital_768ce990-3828-4e65-b2ee-1e2442e66d66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_65d5f467-7a6e-438b-8a10-22ebe83551f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_5780f59f-a0ca-4f21-99cb-d19e395ebde5" xlink:to="loc_us-gaap_CommonStockValue_65d5f467-7a6e-438b-8a10-22ebe83551f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_593db096-59c1-4351-aa3f-88e9e3b202da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_5780f59f-a0ca-4f21-99cb-d19e395ebde5" xlink:to="loc_us-gaap_PreferredStockValue_593db096-59c1-4351-aa3f-88e9e3b202da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_2a0a22b0-72fe-4605-bdf4-967cda32eadf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_5780f59f-a0ca-4f21-99cb-d19e395ebde5" xlink:to="loc_us-gaap_TreasuryStockCommonValue_2a0a22b0-72fe-4605-bdf4-967cda32eadf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_fc92765f-79d6-47c0-a431-b619b4a4240f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_5780f59f-a0ca-4f21-99cb-d19e395ebde5" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_fc92765f-79d6-47c0-a431-b619b4a4240f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_c61e317d-4712-4a05-b85e-f9e1db892651" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_5780f59f-a0ca-4f21-99cb-d19e395ebde5" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_c61e317d-4712-4a05-b85e-f9e1db892651" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_0e9b6518-9911-49ab-84dc-c5bcb99472cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_7025d025-b92d-4c51-b656-c57f9e9e5a36" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_0e9b6518-9911-49ab-84dc-c5bcb99472cb" xlink:to="loc_us-gaap_Liabilities_7025d025-b92d-4c51-b656-c57f9e9e5a36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_2d4b5b9f-f5b0-4a31-b698-d15a43f9e95e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_0e9b6518-9911-49ab-84dc-c5bcb99472cb" xlink:to="loc_us-gaap_StockholdersEquity_2d4b5b9f-f5b0-4a31-b698-d15a43f9e95e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_dffe5a1e-f19e-4a94-9cd0-39e17c41b182" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_694fa79c-bf23-4c17-a19d-e147c9cfea14" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_dffe5a1e-f19e-4a94-9cd0-39e17c41b182" xlink:to="loc_us-gaap_SubordinatedDebt_694fa79c-bf23-4c17-a19d-e147c9cfea14" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_ff0772bc-4f60-4914-8941-86d8cc4d08fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_dffe5a1e-f19e-4a94-9cd0-39e17c41b182" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_ff0772bc-4f60-4914-8941-86d8cc4d08fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances_c2938416-627a-43f0-9218-1788eaf4eaa3" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAndFederalReserveBankAdvances"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_dffe5a1e-f19e-4a94-9cd0-39e17c41b182" xlink:to="loc_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances_c2938416-627a-43f0-9218-1788eaf4eaa3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance_ba13d156-ca8c-4fe6-9677-ef8c3319ac21" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_BankOwnedLifeInsurance_ba13d156-ca8c-4fe6-9677-ef8c3319ac21" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_5ba770f4-fcea-4b51-9d69-c67d672e0f22" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_5ba770f4-fcea-4b51-9d69-c67d672e0f22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_e5b51ad2-db6d-4320-a44b-e901117755c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_e5b51ad2-db6d-4320-a44b-e901117755c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_1c2be8a4-bf29-4ca8-8f85-adafdb093889" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAsset"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_ServicingAsset_1c2be8a4-bf29-4ca8-8f85-adafdb093889" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStock_b0e9af1a-2e32-4b8e-b9bc-c374bd7351ed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_FederalHomeLoanBankStock_b0e9af1a-2e32-4b8e-b9bc-c374bd7351ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_2b4d9ab3-72e7-4ad8-86d8-ec5c9d144c62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_2b4d9ab3-72e7-4ad8-86d8-ec5c9d144c62" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_0090be1b-5706-45ce-b639-504f92319283" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_0090be1b-5706-45ce-b639-504f92319283" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_9c3741c6-274a-427d-8651-3df63d3cd8eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_9c3741c6-274a-427d-8651-3df63d3cd8eb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_5096ad59-1ed2-4382-8d7e-461999993f4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_Goodwill_5096ad59-1ed2-4382-8d7e-461999993f4e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_283bef49-9535-4298-8094-e5bf9db93d7a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_283bef49-9535-4298-8094-e5bf9db93d7a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_6fca01de-d8d4-4d72-aa6a-827039d7269a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_f9afd142-0149-4549-ad2e-90de1abc596e" xlink:to="loc_us-gaap_OtherAssets_6fca01de-d8d4-4d72-aa6a-827039d7269a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_3cdcaf7a-296d-47e1-a2b2-64bed32bab1e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_3acb37dc-9840-4010-9818-0f3b5d7d01f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_3cdcaf7a-296d-47e1-a2b2-64bed32bab1e" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_3acb37dc-9840-4010-9818-0f3b5d7d01f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_435d03bd-7702-49ef-af38-312028334c65" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_3cdcaf7a-296d-47e1-a2b2-64bed32bab1e" xlink:to="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_435d03bd-7702-49ef-af38-312028334c65" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_fd3b70d5-455e-4444-8d47-8d42927e0cb1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_3cdcaf7a-296d-47e1-a2b2-64bed32bab1e" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_fd3b70d5-455e-4444-8d47-8d42927e0cb1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofIncomeandComprehensiveIncome"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingCostsAndExpenses_deb4e05d-2dc4-42c5-a7b0-e44bdbc46b87" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingCostsAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_7c800a8b-3224-4b02-8440-925e510c61ba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingCostsAndExpenses_deb4e05d-2dc4-42c5-a7b0-e44bdbc46b87" xlink:to="loc_us-gaap_LaborAndRelatedExpense_7c800a8b-3224-4b02-8440-925e510c61ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_7c1ae203-80f7-4fee-906b-5dee9d80ed79" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingCostsAndExpenses_deb4e05d-2dc4-42c5-a7b0-e44bdbc46b87" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_7c1ae203-80f7-4fee-906b-5dee9d80ed79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_bb5b2bb6-18fa-47d8-8281-96e9c97b365c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OccupancyNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingCostsAndExpenses_deb4e05d-2dc4-42c5-a7b0-e44bdbc46b87" xlink:to="loc_us-gaap_OccupancyNet_bb5b2bb6-18fa-47d8-8281-96e9c97b365c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_67663152-4f04-4392-9392-cba3569e29af" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_376bd950-8c45-4427-92b0-561f775fa593" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_67663152-4f04-4392-9392-cba3569e29af" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_376bd950-8c45-4427-92b0-561f775fa593" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_c3a7ca4e-5846-42de-b697-b29ff8459bfe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtAndEquitySecuritiesGainLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_67663152-4f04-4392-9392-cba3569e29af" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_c3a7ca4e-5846-42de-b697-b29ff8459bfe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_87ac1c29-e7d9-472e-a61b-c620e9061741" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_67663152-4f04-4392-9392-cba3569e29af" xlink:to="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_87ac1c29-e7d9-472e-a61b-c620e9061741" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LoanAdministrationIncomeExpense_7f073d0e-b0e1-4c2b-b597-3492c838a1fa" xlink:href="fbc-20231231.xsd#fbc_LoanAdministrationIncomeExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_67663152-4f04-4392-9392-cba3569e29af" xlink:to="loc_fbc_LoanAdministrationIncomeExpense_7f073d0e-b0e1-4c2b-b597-3492c838a1fa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_56f8f200-0ceb-425d-8a4b-0de17c03a98f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_67663152-4f04-4392-9392-cba3569e29af" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_56f8f200-0ceb-425d-8a4b-0de17c03a98f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_7cd8c5bd-aba2-4028-9935-1bc631eb3cef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_67663152-4f04-4392-9392-cba3569e29af" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_7cd8c5bd-aba2-4028-9935-1bc631eb3cef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeeIncome_35139f53-4c56-4cf0-beaf-2cfc66a70df0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FeeIncome"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_67663152-4f04-4392-9392-cba3569e29af" xlink:to="loc_us-gaap_FeeIncome_35139f53-4c56-4cf0-beaf-2cfc66a70df0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_39feed82-7e3e-48c2-917e-35aa68da6e26" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_67663152-4f04-4392-9392-cba3569e29af" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_39feed82-7e3e-48c2-917e-35aa68da6e26" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_050ba757-7046-4d91-9e40-8ef8aa8e0127" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_aef24f38-b548-4275-8ff1-1c0df00b7c33" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_050ba757-7046-4d91-9e40-8ef8aa8e0127" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_aef24f38-b548-4275-8ff1-1c0df00b7c33" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_41354988-ba44-4335-865b-f3c6e448fe29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_050ba757-7046-4d91-9e40-8ef8aa8e0127" xlink:to="loc_us-gaap_NoninterestIncome_41354988-ba44-4335-865b-f3c6e448fe29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_98b29d72-eace-4e81-b5fe-7549ccc3c1dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpense"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_050ba757-7046-4d91-9e40-8ef8aa8e0127" xlink:to="loc_us-gaap_NoninterestExpense_98b29d72-eace-4e81-b5fe-7549ccc3c1dd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_547ed191-00ab-4769-bede-c76f03f4081c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_059bd9d7-839c-4d5a-8b9d-cc90477d5082" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_547ed191-00ab-4769-bede-c76f03f4081c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_059bd9d7-839c-4d5a-8b9d-cc90477d5082" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax_2802e0be-5c09-4c52-b9a5-75c8f6aca621" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_547ed191-00ab-4769-bede-c76f03f4081c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax_2802e0be-5c09-4c52-b9a5-75c8f6aca621" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax_47928925-bc5f-4d42-8f48-3f1ec2bc46e6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_547ed191-00ab-4769-bede-c76f03f4081c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax_47928925-bc5f-4d42-8f48-3f1ec2bc46e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_19fbd186-2dc2-4147-8508-5b630c3e8475" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_547ed191-00ab-4769-bede-c76f03f4081c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_19fbd186-2dc2-4147-8508-5b630c3e8475" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_8e35298c-38cd-4b80-ace2-f99182cb9fe6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_547ed191-00ab-4769-bede-c76f03f4081c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_8e35298c-38cd-4b80-ace2-f99182cb9fe6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_aff0b7fd-84f3-4ace-a806-14323bfb26f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_4f45e26e-7685-43f6-96da-097084393610" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_aff0b7fd-84f3-4ace-a806-14323bfb26f5" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_4f45e26e-7685-43f6-96da-097084393610" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_40611b15-a1b2-4485-b90c-16e81318f3b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_aff0b7fd-84f3-4ace-a806-14323bfb26f5" xlink:to="loc_us-gaap_InterestExpense_40611b15-a1b2-4485-b90c-16e81318f3b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_264df173-12ac-45d6-bddb-32b3db845d61" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_bbcb2dd1-d234-4e81-ac48-75fabbdb2f49" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_264df173-12ac-45d6-bddb-32b3db845d61" xlink:to="loc_us-gaap_NetIncomeLoss_bbcb2dd1-d234-4e81-ac48-75fabbdb2f49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_31c5d88a-45ae-4872-8217-8b05b889bd9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_264df173-12ac-45d6-bddb-32b3db845d61" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_31c5d88a-45ae-4872-8217-8b05b889bd9f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_b2af819f-5958-4dd5-95ba-55b4bc536c1a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseSavingsDeposits_e196ac54-7f34-4d66-a7ed-50c2aa5be1ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseSavingsDeposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpense_b2af819f-5958-4dd5-95ba-55b4bc536c1a" xlink:to="loc_us-gaap_InterestExpenseSavingsDeposits_e196ac54-7f34-4d66-a7ed-50c2aa5be1ec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDemandDepositAccounts_851be3c5-d608-4d7e-96d8-fe41b745ea2e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseDemandDepositAccounts"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpense_b2af819f-5958-4dd5-95ba-55b4bc536c1a" xlink:to="loc_us-gaap_InterestExpenseDemandDepositAccounts_851be3c5-d608-4d7e-96d8-fe41b745ea2e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseTimeDeposits_76f63f5a-3d80-400b-8b9c-822a69906ac5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseTimeDeposits"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpense_b2af819f-5958-4dd5-95ba-55b4bc536c1a" xlink:to="loc_us-gaap_InterestExpenseTimeDeposits_76f63f5a-3d80-400b-8b9c-822a69906ac5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt_5dc85210-d853-4339-8aef-f6b24710bb14" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpense_b2af819f-5958-4dd5-95ba-55b4bc536c1a" xlink:to="loc_us-gaap_InterestExpenseLongTermDebt_5dc85210-d853-4339-8aef-f6b24710bb14" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_52bd4a10-fa00-4612-a499-0593a6cbfc85" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecurities_6ba6e71e-b61b-4bb5-a1c5-d0e33ad625f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_52bd4a10-fa00-4612-a499-0593a6cbfc85" xlink:to="loc_us-gaap_InterestAndDividendIncomeSecurities_6ba6e71e-b61b-4bb5-a1c5-d0e33ad625f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_4a334b7b-2f87-4001-909f-c9324cd7562a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_52bd4a10-fa00-4612-a499-0593a6cbfc85" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_4a334b7b-2f87-4001-909f-c9324cd7562a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_438c507d-afe5-4df8-b8f6-d00a675bebc3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_e2816330-16e7-41cf-a0a2-a6a9fec04ac0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_438c507d-afe5-4df8-b8f6-d00a675bebc3" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_e2816330-16e7-41cf-a0a2-a6a9fec04ac0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_9a5bc3c8-7cba-4bee-973a-076dc41bd4c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_438c507d-afe5-4df8-b8f6-d00a675bebc3" xlink:to="loc_us-gaap_NetIncomeLoss_9a5bc3c8-7cba-4bee-973a-076dc41bd4c0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_a227649a-462a-47f0-b119-c9159851bb21" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_8f6e1fd7-028d-4d48-9468-59d59a0d571a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_a227649a-462a-47f0-b119-c9159851bb21" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_8f6e1fd7-028d-4d48-9468-59d59a0d571a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_a4408b9a-0159-44e2-8c35-85885e572c4f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_a227649a-462a-47f0-b119-c9159851bb21" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_a4408b9a-0159-44e2-8c35-85885e572c4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingCostsAndExpenses_733bf341-a942-4ce9-a431-703f2d79ce9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingCostsAndExpenses"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_a227649a-462a-47f0-b119-c9159851bb21" xlink:to="loc_us-gaap_OperatingCostsAndExpenses_733bf341-a942-4ce9-a431-703f2d79ce9b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_45def3cd-e78f-4a41-bbf3-ee68496edc43" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_a227649a-462a-47f0-b119-c9159851bb21" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_45def3cd-e78f-4a41-bbf3-ee68496edc43" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_b656ed56-ae3d-489b-b79c-a1cca412d4b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_517c2e33-a776-42cf-9608-45c179d60338" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_b656ed56-ae3d-489b-b79c-a1cca412d4b2" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_517c2e33-a776-42cf-9608-45c179d60338" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_e00f6827-8ce7-4f49-8f0d-395288edf538" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_b656ed56-ae3d-489b-b79c-a1cca412d4b2" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_e00f6827-8ce7-4f49-8f0d-395288edf538" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofCashFlows"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_IncreaseInDebtSecuritiesTrading_51a8eefa-6806-4d2b-8819-0ccb3c54a6aa" xlink:href="fbc-20231231.xsd#fbc_IncreaseInDebtSecuritiesTrading"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_fbc_IncreaseInDebtSecuritiesTrading_51a8eefa-6806-4d2b-8819-0ccb3c54a6aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_ef4e6226-3201-4e35-ba32-d0650f95d483" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_ef4e6226-3201-4e35-ba32-d0650f95d483" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_7c1426e3-83b8-40f8-a62d-72a01528fcd8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_ShareBasedCompensation_7c1426e3-83b8-40f8-a62d-72a01528fcd8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_5eb30b50-1f7f-496b-ae3d-37b03d79e12b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_5eb30b50-1f7f-496b-ae3d-37b03d79e12b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_5862715b-e95f-49d4-8997-b1db0ff1fbdb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_5862715b-e95f-49d4-8997-b1db0ff1fbdb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_93ab254e-a638-4221-945e-4a469599c278" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_93ab254e-a638-4221-945e-4a469599c278" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_fe7b7f4b-cf41-4e8a-b9c9-58716088ccad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_fe7b7f4b-cf41-4e8a-b9c9-58716088ccad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_81a775c4-b022-447c-83b8-c7c14e3bf556" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_81a775c4-b022-447c-83b8-c7c14e3bf556" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_2f8fe7c3-917c-40e4-b4c9-a72099cd5f6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Depreciation"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_Depreciation_2f8fe7c3-917c-40e4-b4c9-a72099cd5f6c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss_d5f68d14-c948-4b35-bc77-f94755c4c9a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiGainLoss"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_EquitySecuritiesFvNiGainLoss_d5f68d14-c948-4b35-bc77-f94755c4c9a2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_f3e9ac62-7873-4127-a22e-950d7f65eb4d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_f3e9ac62-7873-4127-a22e-950d7f65eb4d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_0c5d9552-6884-4c5f-b7ee-2100cd2b186f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_NetIncomeLoss_0c5d9552-6884-4c5f-b7ee-2100cd2b186f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale_ab93abdc-69ba-4c65-bc63-a18b3fe64aac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInLoansHeldForSale"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale_ab93abdc-69ba-4c65-bc63-a18b3fe64aac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DecreaseInDebtSecuritiesTrading_7123c2a6-7de7-4bf8-9057-010b8c9de071" xlink:href="fbc-20231231.xsd#fbc_DecreaseInDebtSecuritiesTrading"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_fbc_DecreaseInDebtSecuritiesTrading_7123c2a6-7de7-4bf8-9057-010b8c9de071" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_7f9e0f36-89b9-412b-b863-e21e09694d9e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:calculationArc order="15" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_7f9e0f36-89b9-412b-b863-e21e09694d9e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium_ea864ae1-0ff8-46bf-9087-ad0f369ee697" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfDebtDiscountPremium"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_AmortizationOfDebtDiscountPremium_ea864ae1-0ff8-46bf-9087-ad0f369ee697" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_cf377b25-df9f-4364-a261-6fbb808de1c2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:calculationArc order="17" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_bdbce09b-b6b3-4d35-9358-fa0862fae0af" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_cf377b25-df9f-4364-a261-6fbb808de1c2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_d070303e-8d85-4a0d-849e-c9fc8b10204f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_534b5c3e-d095-4cb7-983f-f4211ab8c377" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_d070303e-8d85-4a0d-849e-c9fc8b10204f" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_534b5c3e-d095-4cb7-983f-f4211ab8c377" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_a17d97c9-b49f-41fe-b39b-9a5508dc99cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_d070303e-8d85-4a0d-849e-c9fc8b10204f" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_a17d97c9-b49f-41fe-b39b-9a5508dc99cc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_6cda3483-42e2-4397-a43d-baa9ecff98fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_d070303e-8d85-4a0d-849e-c9fc8b10204f" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_6cda3483-42e2-4397-a43d-baa9ecff98fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_844b957a-8ed7-41ab-ac5e-4403e52b06d8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_844b957a-8ed7-41ab-ac5e-4403e52b06d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_9eafc119-32ff-4009-ad40-c6bdc1d74edc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_9eafc119-32ff-4009-ad40-c6bdc1d74edc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_0051cb82-0ed8-4994-8972-a8461d3a26f7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_0051cb82-0ed8-4994-8972-a8461d3a26f7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_4b1ee270-09dd-457e-98e7-e9156ada1390" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_4b1ee270-09dd-457e-98e7-e9156ada1390" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_cd7d7378-d87b-449b-b871-e9953d751f60" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_cd7d7378-d87b-449b-b871-e9953d751f60" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_97328125-9324-462f-9ee0-02b155c99b22" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_97328125-9324-462f-9ee0-02b155c99b22" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_37e2d3c6-84a5-4a9e-9d18-17ddfc08ed12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_37e2d3c6-84a5-4a9e-9d18-17ddfc08ed12" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities_9e90ee34-079b-4585-a8b8-8b6f8981fb13" xlink:href="fbc-20231231.xsd#fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:to="loc_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities_9e90ee34-079b-4585-a8b8-8b6f8981fb13" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits_f2f9d095-8abc-4038-a241-af2a1bba29b9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_f87dcf88-dba6-48c7-92b8-97ac5e8a2aa4" xlink:to="loc_us-gaap_IncreaseDecreaseInDeposits_f2f9d095-8abc-4038-a241-af2a1bba29b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_fa0341e8-063a-403d-bc12-31488dd8aafe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfFinanceReceivables"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_fa0341e8-063a-403d-bc12-31488dd8aafe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_c2b8f691-21eb-4d46-9980-cc94b375c022" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireFederalHomeLoanBankStock"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_c2b8f691-21eb-4d46-9980-cc94b375c022" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_5fd9487c-59a3-4805-9c6d-da434df0f35a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_5fd9487c-59a3-4805-9c6d-da434df0f35a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables_7d7fa48f-7165-41b0-8032-18d960ecc7ea" xlink:href="fbc-20231231.xsd#fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables_7d7fa48f-7165-41b0-8032-18d960ecc7ea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_f8e66a84-8116-4198-a87f-102288dab644" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_f8e66a84-8116-4198-a87f-102288dab644" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAcquiredFromAcquisition_9eec90b3-aa50-48ab-998a-807285d74c21" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAcquiredFromAcquisition"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_us-gaap_CashAcquiredFromAcquisition_9eec90b3-aa50-48ab-998a-807285d74c21" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLifeInsurancePolicies_93ebb2b6-7871-4bb2-8ff1-2192de757347" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromLifeInsurancePolicies"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_us-gaap_ProceedsFromLifeInsurancePolicies_93ebb2b6-7871-4bb2-8ff1-2192de757347" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables_58286bd9-1d2b-4daf-a457-57a3f35fca70" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireFinanceReceivables"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_us-gaap_PaymentsToAcquireFinanceReceivables_58286bd9-1d2b-4daf-a457-57a3f35fca70" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans_617257cd-5471-4188-a19a-4183b2df95d1" xlink:href="fbc-20231231.xsd#fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans_617257cd-5471-4188-a19a-4183b2df95d1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_5afe0e32-3c9d-4d35-98d1-873ab533ce78" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_5afe0e32-3c9d-4d35-98d1-873ab533ce78" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment_1ae43651-bb84-4b2a-8441-8b9304933477" xlink:href="fbc-20231231.xsd#fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment_1ae43651-bb84-4b2a-8441-8b9304933477" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_184f885c-4cf7-4ec1-8ab0-ae6ae6d1dc0d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_1baf7a32-4eeb-4228-8e18-3fe4a303bfd2" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_184f885c-4cf7-4ec1-8ab0-ae6ae6d1dc0d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_8b68cba8-1af9-491d-a373-a060b0ee5cf5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_961dfcd0-24c9-4068-9a86-3b103a6f838a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_8b68cba8-1af9-491d-a373-a060b0ee5cf5" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_961dfcd0-24c9-4068-9a86-3b103a6f838a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic_21c5da71-456f-46cd-ae54-cbd5d678f667" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_8b68cba8-1af9-491d-a373-a060b0ee5cf5" xlink:to="loc_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic_21c5da71-456f-46cd-ae54-cbd5d678f667" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_d06eb2c7-ff72-4afe-a2eb-79064cbdf8b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_4abe7f64-52d5-48ec-8527-bd1b93ef0fe8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_d06eb2c7-ff72-4afe-a2eb-79064cbdf8b6" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_4abe7f64-52d5-48ec-8527-bd1b93ef0fe8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_7de074c5-ab78-4b8d-91c8-57b6af24000b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_d06eb2c7-ff72-4afe-a2eb-79064cbdf8b6" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_7de074c5-ab78-4b8d-91c8-57b6af24000b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsPreliminaryAllocationDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_7c8f9ef2-3708-48c1-89a8-6cf57edac305" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale_0ef2b32a-2d9f-47a1-96a9-736370348c94" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_7c8f9ef2-3708-48c1-89a8-6cf57edac305" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale_0ef2b32a-2d9f-47a1-96a9-736370348c94" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_93bcfeb9-0fd9-49c2-8371-6e37a765f7f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_7c8f9ef2-3708-48c1-89a8-6cf57edac305" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_93bcfeb9-0fd9-49c2-8371-6e37a765f7f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment_af08da27-d268-44af-8306-6c4873611269" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_7c8f9ef2-3708-48c1-89a8-6cf57edac305" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment_af08da27-d268-44af-8306-6c4873611269" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities_5d53ecc7-5c44-43ff-8ca8-1ba8b315197e" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_7c8f9ef2-3708-48c1-89a8-6cf57edac305" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities_5d53ecc7-5c44-43ff-8ca8-1ba8b315197e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights_1078d513-a940-4321-b414-03ac9e9ec926" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_7c8f9ef2-3708-48c1-89a8-6cf57edac305" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights_1078d513-a940-4321-b414-03ac9e9ec926" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_502392e0-10ca-47cc-93fb-5fc8f60c12ba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_7c8f9ef2-3708-48c1-89a8-6cf57edac305" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_502392e0-10ca-47cc-93fb-5fc8f60c12ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets_859e5596-60ac-4af2-ada3-958073555efe" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_7c8f9ef2-3708-48c1-89a8-6cf57edac305" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets_859e5596-60ac-4af2-ada3-958073555efe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_03bab0cf-72c9-4be5-9c2f-c125b749009e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_df5662b2-046d-419d-a929-e7209dc93469" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_03bab0cf-72c9-4be5-9c2f-c125b749009e" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_df5662b2-046d-419d-a929-e7209dc93469" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_e5912a90-69e1-4edd-bcb3-6ddd4331610f" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_03bab0cf-72c9-4be5-9c2f-c125b749009e" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_e5912a90-69e1-4edd-bcb3-6ddd4331610f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_4b14749e-937f-4309-a9e8-5d850f077cfa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_962845dc-0fc3-4e1d-be1a-7b37cafe5c13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_4b14749e-937f-4309-a9e8-5d850f077cfa" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_962845dc-0fc3-4e1d-be1a-7b37cafe5c13" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_f0710b23-d336-46fd-8509-bed35f2ac109" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_4b14749e-937f-4309-a9e8-5d850f077cfa" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_f0710b23-d336-46fd-8509-bed35f2ac109" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_d6623de0-83a6-4b43-a183-2f425f9f974a" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_489dbb46-5ca2-43bd-b088-bf43a4576718" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_d6623de0-83a6-4b43-a183-2f425f9f974a" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_489dbb46-5ca2-43bd-b088-bf43a4576718" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets_73bfc13a-0228-4576-b96c-304328eff1ae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_d6623de0-83a6-4b43-a183-2f425f9f974a" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets_73bfc13a-0228-4576-b96c-304328eff1ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_606bd24b-0aba-4d46-b73e-9cc710b16740" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_d6623de0-83a6-4b43-a183-2f425f9f974a" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_606bd24b-0aba-4d46-b73e-9cc710b16740" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_cf1adcb3-3467-4087-a99b-5d624691cc14" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits_a2851ce9-8934-46fb-a9ef-7858c9dc571f" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_cf1adcb3-3467-4087-a99b-5d624691cc14" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits_a2851ce9-8934-46fb-a9ef-7858c9dc571f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_0be7d6c5-86b5-4e91-993c-552e81fe6f12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_cf1adcb3-3467-4087-a99b-5d624691cc14" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_0be7d6c5-86b5-4e91-993c-552e81fe6f12" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_c63047a8-3261-4660-801e-143d6a3eea0e" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_35a5962e-79b2-4e35-bf5f-7688010a07ed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_c63047a8-3261-4660-801e-143d6a3eea0e" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_35a5962e-79b2-4e35-bf5f-7688010a07ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_d4f5c205-b0c8-4e95-825d-02f337f914c1" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_c63047a8-3261-4660-801e-143d6a3eea0e" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_d4f5c205-b0c8-4e95-825d-02f337f914c1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsPCDLoansAcquiredDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_b2decddd-1feb-4e62-aa02-1238e4e0193b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_68745169-4c63-4109-b528-17c735624374" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_b2decddd-1feb-4e62-aa02-1238e4e0193b" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_68745169-4c63-4109-b528-17c735624374" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_e33541ef-5b1d-4ceb-b9f9-18cbdfc133a4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_b2decddd-1feb-4e62-aa02-1238e4e0193b" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_e33541ef-5b1d-4ceb-b9f9-18cbdfc133a4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_8d3a0cdd-35a3-43ba-8178-7efecd2e531a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_b2decddd-1feb-4e62-aa02-1238e4e0193b" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_8d3a0cdd-35a3-43ba-8178-7efecd2e531a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_f93bbec1-a5eb-4f23-bef4-389cf23a9e5b" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCost_0f7a6ea7-82b7-43c0-9722-c873358629da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_f93bbec1-a5eb-4f23-bef4-389cf23a9e5b" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCost_0f7a6ea7-82b7-43c0-9722-c873358629da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_53647d57-ec0e-4fdc-8ec3-c25444d40815" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_f93bbec1-a5eb-4f23-bef4-389cf23a9e5b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_53647d57-ec0e-4fdc-8ec3-c25444d40815" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_f2389366-950a-423c-8b6f-f7f097780a05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_479cd4bf-d9f5-4e5b-9231-1a058a005461" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_f2389366-950a-423c-8b6f-f7f097780a05" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_479cd4bf-d9f5-4e5b-9231-1a058a005461" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_b86ada7c-f9c4-452e-9b7f-cac9674febf9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_f2389366-950a-423c-8b6f-f7f097780a05" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_b86ada7c-f9c4-452e-9b7f-cac9674febf9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_4acb8e02-6f76-46d2-8088-68c7943499c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_f2389366-950a-423c-8b6f-f7f097780a05" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_4acb8e02-6f76-46d2-8088-68c7943499c0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MarketableSecuritiesGrossUnrealizedLoss_dc858a9e-bb78-48e4-acf5-b3314b24a0df" xlink:href="fbc-20231231.xsd#fbc_MarketableSecuritiesGrossUnrealizedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquitySecuritiesUnrealizedLoss_5575f04c-98e6-4a4e-944e-11ad5de3cfc7" xlink:href="fbc-20231231.xsd#fbc_EquitySecuritiesUnrealizedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_MarketableSecuritiesGrossUnrealizedLoss_dc858a9e-bb78-48e4-acf5-b3314b24a0df" xlink:to="loc_fbc_EquitySecuritiesUnrealizedLoss_5575f04c-98e6-4a4e-944e-11ad5de3cfc7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_fcd7d4a1-6c55-46a6-9fca-de05eae82097" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_MarketableSecuritiesGrossUnrealizedLoss_dc858a9e-bb78-48e4-acf5-b3314b24a0df" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_fcd7d4a1-6c55-46a6-9fca-de05eae82097" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_feb747c1-acde-4834-b7f2-872f2465fb53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_89377b26-8fd0-40cc-a82d-e20de48f596c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_feb747c1-acde-4834-b7f2-872f2465fb53" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_89377b26-8fd0-40cc-a82d-e20de48f596c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_180cb848-ae78-453d-b58a-51823c031ace" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_feb747c1-acde-4834-b7f2-872f2465fb53" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_180cb848-ae78-453d-b58a-51823c031ace" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_4b770f2f-1db7-4f0a-8a64-1be057850dd0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_feb747c1-acde-4834-b7f2-872f2465fb53" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_4b770f2f-1db7-4f0a-8a64-1be057850dd0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_7801b1e2-03f3-416c-bdfa-d6130cda432e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_feb747c1-acde-4834-b7f2-872f2465fb53" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_7801b1e2-03f3-416c-bdfa-d6130cda432e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_4642e9d4-d18a-4562-9aa1-589392223c8b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_e05a4375-d333-4419-bf10-6d48e3762ec1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_4642e9d4-d18a-4562-9aa1-589392223c8b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_e05a4375-d333-4419-bf10-6d48e3762ec1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_d479bc2d-3a07-4942-b12f-98a7902739bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_4642e9d4-d18a-4562-9aa1-589392223c8b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_d479bc2d-3a07-4942-b12f-98a7902739bb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_60c1eb22-fb40-44b2-a6ad-7596e3cc41d8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_13bdc070-b0de-47d1-8305-b05eb147c063" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_60c1eb22-fb40-44b2-a6ad-7596e3cc41d8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_13bdc070-b0de-47d1-8305-b05eb147c063" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_f058cd72-1034-47ec-876a-d6d21fec92e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_60c1eb22-fb40-44b2-a6ad-7596e3cc41d8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_f058cd72-1034-47ec-876a-d6d21fec92e1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesComponentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesComponentsDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesComponentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_e79fe71c-855f-4d44-ad65-803888926f13" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_afeaff27-f1e8-4c65-b7fb-4b736e10ce72" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_e79fe71c-855f-4d44-ad65-803888926f13" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_afeaff27-f1e8-4c65-b7fb-4b736e10ce72" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_f1aa44df-4101-4081-8337-825b0fe75266" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_e79fe71c-855f-4d44-ad65-803888926f13" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_f1aa44df-4101-4081-8337-825b0fe75266" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_8a5e332d-09aa-4efb-8bfa-12e3b8746009" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_2fb6715b-42bf-4667-a499-c2cd4eaf9da3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_8a5e332d-09aa-4efb-8bfa-12e3b8746009" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_2fb6715b-42bf-4667-a499-c2cd4eaf9da3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_8bf8bb52-f847-4b70-9fcd-91239d851b7e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_8a5e332d-09aa-4efb-8bfa-12e3b8746009" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_8bf8bb52-f847-4b70-9fcd-91239d851b7e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_c915254f-c022-4745-9c0a-e60f59625d1f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_8a5e332d-09aa-4efb-8bfa-12e3b8746009" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_c915254f-c022-4745-9c0a-e60f59625d1f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_f3f9cbd4-c196-4689-a711-65aee07d8fd5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_8a5e332d-09aa-4efb-8bfa-12e3b8746009" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_f3f9cbd4-c196-4689-a711-65aee07d8fd5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_b67b2e82-ae59-4de8-84ad-4f9cc4efe254" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_8a5e332d-09aa-4efb-8bfa-12e3b8746009" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_b67b2e82-ae59-4de8-84ad-4f9cc4efe254" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_071b3581-490c-445c-86cc-b70f745da29c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_8a5e332d-09aa-4efb-8bfa-12e3b8746009" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_071b3581-490c-445c-86cc-b70f745da29c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_0c1fb176-d025-494f-8ef3-71b6df695653" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_8a5e332d-09aa-4efb-8bfa-12e3b8746009" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_0c1fb176-d025-494f-8ef3-71b6df695653" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_f5890051-e1ab-4d59-a041-d71100524c01" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_8a5e332d-09aa-4efb-8bfa-12e3b8746009" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_f5890051-e1ab-4d59-a041-d71100524c01" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_4eebbbe7-9095-496f-b38d-10d70ec39806" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_0f348d24-dbd8-4202-be5b-bc33efc68c2f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_4eebbbe7-9095-496f-b38d-10d70ec39806" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_0f348d24-dbd8-4202-be5b-bc33efc68c2f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_63a8bc62-8175-4410-bd45-732283e02b90" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_4eebbbe7-9095-496f-b38d-10d70ec39806" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_63a8bc62-8175-4410-bd45-732283e02b90" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_50a93930-d528-471d-9a43-27cf4444148b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_4eebbbe7-9095-496f-b38d-10d70ec39806" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_50a93930-d528-471d-9a43-27cf4444148b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_4cede21c-27db-4134-9c11-13bc7276630e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_4eebbbe7-9095-496f-b38d-10d70ec39806" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_4cede21c-27db-4134-9c11-13bc7276630e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_2fcfd6f7-09a5-4c97-8d9a-0ef570c6ddeb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_4eebbbe7-9095-496f-b38d-10d70ec39806" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_2fcfd6f7-09a5-4c97-8d9a-0ef570c6ddeb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_d38222a8-0777-4838-a3ac-099796c91214" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_4eebbbe7-9095-496f-b38d-10d70ec39806" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_d38222a8-0777-4838-a3ac-099796c91214" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_41dea1d6-5ad5-466f-8cf2-db5b48692110" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_4eebbbe7-9095-496f-b38d-10d70ec39806" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_41dea1d6-5ad5-466f-8cf2-db5b48692110" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_63ccd1a3-6afd-4582-ace3-337d1c0a84f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_4eebbbe7-9095-496f-b38d-10d70ec39806" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_63ccd1a3-6afd-4582-ace3-337d1c0a84f1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_d78d364f-4ef9-4f8b-9767-da230b11689a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod_347541be-8ef4-42a5-8a4b-65ef62bb2a3e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_d78d364f-4ef9-4f8b-9767-da230b11689a" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod_347541be-8ef4-42a5-8a4b-65ef62bb2a3e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_a86c2f45-18b1-4511-b8fc-aacf0234d53e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_d78d364f-4ef9-4f8b-9767-da230b11689a" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_a86c2f45-18b1-4511-b8fc-aacf0234d53e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestment_88bbbbe8-f061-43dd-a799-ccf2364ed510" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_9baa7d07-7990-4d02-bc9b-8aa525e7c0b9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestment_88bbbbe8-f061-43dd-a799-ccf2364ed510" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_9baa7d07-7990-4d02-bc9b-8aa525e7c0b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_d21f515e-6877-4a9b-9040-75441289faf6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestment_88bbbbe8-f061-43dd-a799-ccf2364ed510" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_d21f515e-6877-4a9b-9040-75441289faf6" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_9292ae7c-3cbf-4cd1-9835-85344b0462d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseLeaseReceivable_2fbe776e-50be-42e9-b096-d4c5aee29bdf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseLeaseReceivable"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_9292ae7c-3cbf-4cd1-9835-85344b0462d5" xlink:to="loc_us-gaap_DirectFinancingLeaseLeaseReceivable_2fbe776e-50be-42e9-b096-d4c5aee29bdf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset_900d8b49-cf1f-471b-97cb-5bf11f4689cf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_9292ae7c-3cbf-4cd1-9835-85344b0462d5" xlink:to="loc_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset_900d8b49-cf1f-471b-97cb-5bf11f4689cf" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_0f64bfd4-24cc-41c3-8d42-4a6fec41f1e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears_ebf4b8da-e06c-4c07-a8e9-e6d4116bd0b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_0f64bfd4-24cc-41c3-8d42-4a6fec41f1e1" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears_ebf4b8da-e06c-4c07-a8e9-e6d4116bd0b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths_d35fe9a7-45e7-434a-bb7d-702cbaa58a9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_0f64bfd4-24cc-41c3-8d42-4a6fec41f1e1" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths_d35fe9a7-45e7-434a-bb7d-702cbaa58a9b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears_753f2b46-d82d-4c2a-89a0-73b21c241497" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_0f64bfd4-24cc-41c3-8d42-4a6fec41f1e1" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears_753f2b46-d82d-4c2a-89a0-73b21c241497" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears_5d33a3fb-9972-446d-b046-dbb51e28f2b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_0f64bfd4-24cc-41c3-8d42-4a6fec41f1e1" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears_5d33a3fb-9972-446d-b046-dbb51e28f2b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears_37e8f2fc-5d03-4159-b562-5b03268c85ba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_0f64bfd4-24cc-41c3-8d42-4a6fec41f1e1" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears_37e8f2fc-5d03-4159-b562-5b03268c85ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter_037faa0d-639e-4176-b3a5-5079db3b7ebc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_0f64bfd4-24cc-41c3-8d42-4a6fec41f1e1" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter_037faa0d-639e-4176-b3a5-5079db3b7ebc" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesComponentofLeaseExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost_c80e01bc-d390-4788-8789-b8e1a0acc0ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseCost"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_483b61e8-8498-49c2-8c02-23c3750f42eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LeaseCost_c80e01bc-d390-4788-8789-b8e1a0acc0ca" xlink:to="loc_us-gaap_OperatingLeaseCost_483b61e8-8498-49c2-8c02-23c3750f42eb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesMaturitiesofLeaseLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_773282e5-cfb9-4900-a7a0-73de2dcd7d95" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_7f53f471-d677-4499-96f1-f3510348da64" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_773282e5-cfb9-4900-a7a0-73de2dcd7d95" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_7f53f471-d677-4499-96f1-f3510348da64" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_7d6eec8f-8527-4d82-91ea-e0008d505ffe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_773282e5-cfb9-4900-a7a0-73de2dcd7d95" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_7d6eec8f-8527-4d82-91ea-e0008d505ffe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_9d0c44e5-56d0-4a90-b537-a7e8dacb2431" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_773282e5-cfb9-4900-a7a0-73de2dcd7d95" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_9d0c44e5-56d0-4a90-b537-a7e8dacb2431" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_db19ba9a-f385-409e-82e4-2f226176766c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_773282e5-cfb9-4900-a7a0-73de2dcd7d95" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_db19ba9a-f385-409e-82e4-2f226176766c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_d9307486-8ab6-45cb-a12c-bc578b2deec3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_773282e5-cfb9-4900-a7a0-73de2dcd7d95" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_d9307486-8ab6-45cb-a12c-bc578b2deec3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_b3320671-10e9-4905-bf7c-9cd28937810e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_773282e5-cfb9-4900-a7a0-73de2dcd7d95" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_b3320671-10e9-4905-bf7c-9cd28937810e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesMaturitiesofLeaseLiabilitiesDetails_1"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_138330c5-6fe4-4a4b-82fb-6aab10597851" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_06df6cc3-a830-4ea9-8ea2-cb35332cf8b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_138330c5-6fe4-4a4b-82fb-6aab10597851" xlink:to="loc_us-gaap_OperatingLeaseLiability_06df6cc3-a830-4ea9-8ea2-cb35332cf8b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_095d3c6c-783e-4d9d-94b3-bdf32196ea52" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_138330c5-6fe4-4a4b-82fb-6aab10597851" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_095d3c6c-783e-4d9d-94b3-bdf32196ea52" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#MortgageServicingRightsSummaryofIncomeandFeesDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubservicingAssetatFairValueIncomeAmount_939425c4-1f12-4d7c-8b06-e29f4282a0f1" xlink:href="fbc-20231231.xsd#fbc_SubservicingAssetatFairValueIncomeAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_d97dfc58-5024-4284-b46e-5800ad2e65ae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_SubservicingAssetatFairValueIncomeAmount_939425c4-1f12-4d7c-8b06-e29f4282a0f1" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_d97dfc58-5024-4284-b46e-5800ad2e65ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances_28892fd3-9066-40b7-853a-7c590ef74fb3" xlink:href="fbc-20231231.xsd#fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_SubservicingAssetatFairValueIncomeAmount_939425c4-1f12-4d7c-8b06-e29f4282a0f1" xlink:to="loc_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances_28892fd3-9066-40b7-853a-7c590ef74fb3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount_de3ccba6-a41f-42a7-b3d9-887ac5fcae22" xlink:href="fbc-20231231.xsd#fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_SubservicingAssetatFairValueIncomeAmount_939425c4-1f12-4d7c-8b06-e29f4282a0f1" xlink:to="loc_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount_de3ccba6-a41f-42a7-b3d9-887ac5fcae22" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsAdvancesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsAdvancesDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/BorrowedFundsAdvancesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_1fb58159-abd9-46fd-b98d-5a6b6da58306" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesParValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths_6301494b-a7b6-4285-86d5-8d620c0a7101" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_1fb58159-abd9-46fd-b98d-5a6b6da58306" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths_6301494b-a7b6-4285-86d5-8d620c0a7101" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree_6d152285-496d-49c8-ae3b-9c059fea729f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_1fb58159-abd9-46fd-b98d-5a6b6da58306" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree_6d152285-496d-49c8-ae3b-9c059fea729f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo_8407dfe7-1494-4bfb-8221-3d68eefeec88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_1fb58159-abd9-46fd-b98d-5a6b6da58306" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo_8407dfe7-1494-4bfb-8221-3d68eefeec88" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive_a3dea685-f0e4-4be5-8b47-d3f48ce6afbe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_1fb58159-abd9-46fd-b98d-5a6b6da58306" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive_a3dea685-f0e4-4be5-8b47-d3f48ce6afbe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour_7302dadc-b0c0-4d4c-a579-8082299b73a6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_1fb58159-abd9-46fd-b98d-5a6b6da58306" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour_7302dadc-b0c0-4d4c-a579-8082299b73a6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive_ec219d25-5be6-4973-b3ab-167a1a2c71bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_1fb58159-abd9-46fd-b98d-5a6b6da58306" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive_ec219d25-5be6-4973-b3ab-167a1a2c71bd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_68f6afae-e3f1-4c9c-aa75-d01e5c8bc3cf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_c24adf8c-3203-4b20-88b5-c5d597a66f2f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_68f6afae-e3f1-4c9c-aa75-d01e5c8bc3cf" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_c24adf8c-3203-4b20-88b5-c5d597a66f2f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_a610b782-cf27-4870-a209-2bfa53d22d75" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_68f6afae-e3f1-4c9c-aa75-d01e5c8bc3cf" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_a610b782-cf27-4870-a209-2bfa53d22d75" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_4966d5e7-4d6b-4e18-b567-67ea274a165b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_68f6afae-e3f1-4c9c-aa75-d01e5c8bc3cf" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_4966d5e7-4d6b-4e18-b567-67ea274a165b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_8b728b47-f018-4354-8271-7a8888ebb56b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_68f6afae-e3f1-4c9c-aa75-d01e5c8bc3cf" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_8b728b47-f018-4354-8271-7a8888ebb56b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_73a5b295-25f7-4f59-b1e3-8901092ef26e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_68f6afae-e3f1-4c9c-aa75-d01e5c8bc3cf" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_73a5b295-25f7-4f59-b1e3-8901092ef26e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_36be8a59-65d5-48d2-8261-a89d4117458c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_68f6afae-e3f1-4c9c-aa75-d01e5c8bc3cf" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_36be8a59-65d5-48d2-8261-a89d4117458c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DepositsScheduleofDepositsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DepositsScheduleofDepositsDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/DepositsScheduleofDepositsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_72ca1b77-a1b0-4300-9d54-824f25c311a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Deposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_3bcea9f0-4214-47d8-8835-83af89d62aa6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_72ca1b77-a1b0-4300-9d54-824f25c311a1" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities_3bcea9f0-4214-47d8-8835-83af89d62aa6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_5f9942a1-506b-4ba7-b9ff-6a660e5cfddc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDeposits"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_72ca1b77-a1b0-4300-9d54-824f25c311a1" xlink:to="loc_us-gaap_TimeDeposits_5f9942a1-506b-4ba7-b9ff-6a660e5cfddc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsSavingsDeposits_1a99cdee-a54a-4a84-bf66-7232ad985859" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsSavingsDeposits"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_72ca1b77-a1b0-4300-9d54-824f25c311a1" xlink:to="loc_us-gaap_DepositsSavingsDeposits_1a99cdee-a54a-4a84-bf66-7232ad985859" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_4f202f84-b472-4de0-a17a-fa92cd45c5d0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits_72ca1b77-a1b0-4300-9d54-824f25c311a1" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_4f202f84-b472-4de0-a17a-fa92cd45c5d0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PercentageOfTotalDeposits_8f564ba5-3fb0-43e6-b111-d8e70c84d8f6" xlink:href="fbc-20231231.xsd#fbc_PercentageOfTotalDeposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_140e1d3d-eafe-4799-b978-1e2b268d827d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_PercentageOfTotalDeposits_8f564ba5-3fb0-43e6-b111-d8e70c84d8f6" xlink:to="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_140e1d3d-eafe-4799-b978-1e2b268d827d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit_f06eb5c7-bd64-4b84-8da4-55cac77611d0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_PercentageOfTotalDeposits_8f564ba5-3fb0-43e6-b111-d8e70c84d8f6" xlink:to="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit_f06eb5c7-bd64-4b84-8da4-55cac77611d0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings_809d555a-492c-49a2-a974-8cc41369ca2c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_PercentageOfTotalDeposits_8f564ba5-3fb0-43e6-b111-d8e70c84d8f6" xlink:to="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings_809d555a-492c-49a2-a974-8cc41369ca2c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts_fcea7ef9-f789-41f7-947c-24e4d78cbc68" xlink:href="fbc-20231231.xsd#fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_PercentageOfTotalDeposits_8f564ba5-3fb0-43e6-b111-d8e70c84d8f6" xlink:to="loc_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts_fcea7ef9-f789-41f7-947c-24e4d78cbc68" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DepositsMaturitiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DepositsMaturitiesDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/DepositsMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_4eed61ce-c6f9-4e8f-a54b-cd23aa0e5d26" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFour_b20af068-a705-4975-abd6-16715c97e711" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_4eed61ce-c6f9-4e8f-a54b-cd23aa0e5d26" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFour_b20af068-a705-4975-abd6-16715c97e711" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_142b80ff-ef62-437f-946a-db2002b2a278" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_4eed61ce-c6f9-4e8f-a54b-cd23aa0e5d26" xlink:to="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_142b80ff-ef62-437f-946a-db2002b2a278" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearTwo_45d89d02-9b66-483e-86cf-f0dcc4552d02" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_4eed61ce-c6f9-4e8f-a54b-cd23aa0e5d26" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearTwo_45d89d02-9b66-483e-86cf-f0dcc4552d02" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFive_747172b2-2b69-4c7f-a10e-31e58f4bbd06" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearFive"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_4eed61ce-c6f9-4e8f-a54b-cd23aa0e5d26" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFive_747172b2-2b69-4c7f-a10e-31e58f4bbd06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearThree_4f549f28-b401-47d7-b463-4b36741242e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_4eed61ce-c6f9-4e8f-a54b-cd23aa0e5d26" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearThree_4f549f28-b401-47d7-b463-4b36741242e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearOne_4b53eed4-96f6-4540-b51c-921c3f1e79da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_4eed61ce-c6f9-4e8f-a54b-cd23aa0e5d26" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearOne_4b53eed4-96f6-4540-b51c-921c3f1e79da" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_b226ba07-6fda-4af8-8e62-90e4c887f014" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsValuationAllowance_8ba966e9-5899-4aaf-9fd4-21f7fa35945a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsValuationAllowance"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_b226ba07-6fda-4af8-8e62-90e4c887f014" xlink:to="loc_us-gaap_DeferredTaxAssetsValuationAllowance_8ba966e9-5899-4aaf-9fd4-21f7fa35945a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGross_7c394f98-4030-4667-83a5-1e8ed891f62a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_b226ba07-6fda-4af8-8e62-90e4c887f014" xlink:to="loc_us-gaap_DeferredTaxAssetsGross_7c394f98-4030-4667-83a5-1e8ed891f62a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsGross"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans_6ef6a88b-ab2c-4aaf-8df2-74fa5653d2de" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans_6ef6a88b-ab2c-4aaf-8df2-74fa5653d2de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts_1e010677-10e9-4517-b333-baef8f0e269e" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts_1e010677-10e9-4517-b333-baef8f0e269e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsRightOfUseLiability_dd645949-e8a5-45fd-8ffa-fd897af5c480" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsRightOfUseLiability"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_fbc_DeferredTaxAssetsRightOfUseLiability_dd645949-e8a5-45fd-8ffa-fd897af5c480" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities_1bdb3eee-3c2d-4a56-a7ce-0c43849fb78f" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities_1bdb3eee-3c2d-4a56-a7ce-0c43849fb78f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsAccruedExpenses_387e61b0-1618-494d-8dfd-dc5812c5c912" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsAccruedExpenses"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_fbc_DeferredTaxAssetsAccruedExpenses_387e61b0-1618-494d-8dfd-dc5812c5c912" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_0d018054-f780-47e3-890c-cfc9491fe58c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_0d018054-f780-47e3-890c-cfc9491fe58c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_170f2e03-c34b-49ef-bf9b-ea3d681f0c07" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_170f2e03-c34b-49ef-bf9b-ea3d681f0c07" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOther_9f507624-54d0-44d3-adbf-a66ac4255358" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsOther"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_us-gaap_DeferredTaxAssetsOther_9f507624-54d0-44d3-adbf-a66ac4255358" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits_5c2bce21-b7b0-49a6-ba2f-1602fcc5a96e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits_5c2bce21-b7b0-49a6-ba2f-1602fcc5a96e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsCapitalizedLoanCosts_e68fb6c7-05e6-49bf-9c6f-d734c7ae4992" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsCapitalizedLoanCosts"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross_34653168-8c7a-4947-aa7a-9e6533da340e" xlink:to="loc_fbc_DeferredTaxAssetsCapitalizedLoanCosts_e68fb6c7-05e6-49bf-9c6f-d734c7ae4992" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilities_8905eee3-9518-492e-8e45-2659f98e92f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_8b084410-7b5a-4b17-bcfe-c91eead19e28" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_8905eee3-9518-492e-8e45-2659f98e92f1" xlink:to="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_8b084410-7b5a-4b17-bcfe-c91eead19e28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_d1fd1477-64ef-4270-86de-89504dcfdeb6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxLiabilities_8905eee3-9518-492e-8e45-2659f98e92f1" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilities_d1fd1477-64ef-4270-86de-89504dcfdeb6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesDeferredLoanFees_d36ad3b2-b3da-4275-8267-7b748aa87892" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesDeferredLoanFees"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_fbc_DeferredTaxLiabilitiesDeferredLoanFees_d36ad3b2-b3da-4275-8267-7b748aa87892" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt_1a31e3fc-31a8-46da-8d93-877fa162b0d6" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt_1a31e3fc-31a8-46da-8d93-877fa162b0d6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesOther_126e7631-5851-4e6d-bf97-145b45f9f2ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesOther"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesOther_126e7631-5851-4e6d-bf97-145b45f9f2ef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_07d67f68-11a0-4400-acb8-358390fc5238" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_07d67f68-11a0-4400-acb8-358390fc5238" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_c755c337-a37c-41ec-945a-f4501a82cea9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_c755c337-a37c-41ec-945a-f4501a82cea9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits_1476e3d0-1291-40f7-8b27-b0bd42c03b88" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits_1476e3d0-1291-40f7-8b27-b0bd42c03b88" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_585d9c95-1c50-4f73-b70e-f72da3b265e3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesLeasingArrangements"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_585d9c95-1c50-4f73-b70e-f72da3b265e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_20630660-50cb-450e-9962-55a691ed283f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesPrepaidExpenses"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_20630660-50cb-450e-9962-55a691ed283f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans_8f2e6956-aab3-4b99-9e0c-5247f0e4ea09" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans_8f2e6956-aab3-4b99-9e0c-5247f0e4ea09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_dc742f2c-1854-4f60-9358-bcab30b722d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesMortgageServicingRights"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_dc742f2c-1854-4f60-9358-bcab30b722d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesRightOfUseAsset_9a4772ec-6ddc-460a-8e4d-038f238725d9" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesRightOfUseAsset"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities_31801907-f4d8-4932-b6a0-82e05388010d" xlink:to="loc_fbc_DeferredTaxLiabilitiesRightOfUseAsset_9a4772ec-6ddc-460a-8e4d-038f238725d9" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ComprehensiveIncomeLossTaxParent_64cac952-640c-4250-b1f3-c26a18d8a901" xlink:href="fbc-20231231.xsd#fbc_ComprehensiveIncomeLossTaxParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_0f584f57-fe2a-4426-864c-cbd13a1d96cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_ComprehensiveIncomeLossTaxParent_64cac952-640c-4250-b1f3-c26a18d8a901" xlink:to="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_0f584f57-fe2a-4426-864c-cbd13a1d96cb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_20e5129d-568b-47bb-9237-f094b1bfe682" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_ComprehensiveIncomeLossTaxParent_64cac952-640c-4250-b1f3-c26a18d8a901" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_20e5129d-568b-47bb-9237-f094b1bfe682" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_6631972e-57e8-4c53-9151-531e751cd8ce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_ComprehensiveIncomeLossTaxParent_64cac952-640c-4250-b1f3-c26a18d8a901" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_6631972e-57e8-4c53-9151-531e751cd8ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent_be11b2d9-6997-41ec-9c32-0166e41c13e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_ComprehensiveIncomeLossTaxParent_64cac952-640c-4250-b1f3-c26a18d8a901" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent_be11b2d9-6997-41ec-9c32-0166e41c13e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_0464f554-f048-4a74-9b4a-4604774f415c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit_3cf6457e-0bef-4bc5-8ed4-c369c3fd79e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_0464f554-f048-4a74-9b4a-4604774f415c" xlink:to="loc_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit_3cf6457e-0bef-4bc5-8ed4-c369c3fd79e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit_c613098c-2439-4137-a416-fb081b736dc1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_0464f554-f048-4a74-9b4a-4604774f415c" xlink:to="loc_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit_c613098c-2439-4137-a416-fb081b736dc1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit_aab61d7a-d9c4-43c0-86b1-fd06e369afac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_b23fcf9a-3a31-4ac4-bf48-3b20619a0bd1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit_aab61d7a-d9c4-43c0-86b1-fd06e369afac" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_b23fcf9a-3a31-4ac4-bf48-3b20619a0bd1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_d1044966-03c1-4f1c-9f23-0a730ddc17ce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit_aab61d7a-d9c4-43c0-86b1-fd06e369afac" xlink:to="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_d1044966-03c1-4f1c-9f23-0a730ddc17ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit_a23783af-4358-4e39-b009-7992181b2fb8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_6353d9db-1362-4b69-a492-a3905fcc7393" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit_a23783af-4358-4e39-b009-7992181b2fb8" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_6353d9db-1362-4b69-a492-a3905fcc7393" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_0242c1d3-2b5a-4581-b6d9-7ed7728fca8c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit_a23783af-4358-4e39-b009-7992181b2fb8" xlink:to="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_0242c1d3-2b5a-4581-b6d9-7ed7728fca8c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxesReconciliationDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense_2f88479c-70d0-4b07-9149-461f215c0c10" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense_2f88479c-70d0-4b07-9149-461f215c0c10" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_3596db2f-ae3d-46ed-a3b2-9fda623f2b58" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_3596db2f-ae3d-46ed-a3b2-9fda623f2b58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments_a7a1740d-3e48-45b2-ba1d-11f8f0aa53f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments_a7a1740d-3e48-45b2-ba1d-11f8f0aa53f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses_cee3d3dd-216d-4b08-84c9-ea0480fba13a" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses_cee3d3dd-216d-4b08-84c9-ea0480fba13a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_490f5303-1294-46ea-bf34-ff7a56b92bc5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_490f5303-1294-46ea-bf34-ff7a56b92bc5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses_0f71ac1e-14eb-462c-b802-7774db0b66c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses_0f71ac1e-14eb-462c-b802-7774db0b66c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain_c95626a0-7cc3-4f68-9f32-5a19e937fe31" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain_c95626a0-7cc3-4f68-9f32-5a19e937fe31" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_457f74a0-83f3-4fce-a6ae-4156a8147908" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_457f74a0-83f3-4fce-a6ae-4156a8147908" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance_6ea845be-1ce8-45e7-8f40-a8535861e572" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance_6ea845be-1ce8-45e7-8f40-a8535861e572" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxCredits_4faa2b99-388b-477b-9a3a-7ea118e56517" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationTaxCredits"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxCredits_4faa2b99-388b-477b-9a3a-7ea118e56517" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums_19d4ee7b-9275-4369-87ee-6d4ffea5ee19" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums_19d4ee7b-9275-4369-87ee-6d4ffea5ee19" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_25054048-a3af-4c0f-b709-4408d9591e4a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_25054048-a3af-4c0f-b709-4408d9591e4a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes_9ae764a6-6f17-424f-a007-508945972a5b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit_f79a2261-0b17-4270-8530-8ea82c50c7e4" xlink:to="loc_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes_9ae764a6-6f17-424f-a007-508945972a5b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_55627b4d-f9a0-4988-8751-e976da4e23c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_753cd473-9498-4824-bcec-ee9b052da984" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_55627b4d-f9a0-4988-8751-e976da4e23c1" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_753cd473-9498-4824-bcec-ee9b052da984" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_829a51d1-14f5-4ded-a731-33140d142a5b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_55627b4d-f9a0-4988-8751-e976da4e23c1" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_829a51d1-14f5-4ded-a731-33140d142a5b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_7dd4010f-acb1-4ce7-959b-cd5b0ac29cbf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_7ff267c6-6a09-4d81-8911-cae289b20a39" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_7dd4010f-acb1-4ce7-959b-cd5b0ac29cbf" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_7ff267c6-6a09-4d81-8911-cae289b20a39" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_f911e50c-2121-4ffa-bf50-f027b8cad55f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_7dd4010f-acb1-4ce7-959b-cd5b0ac29cbf" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_f911e50c-2121-4ffa-bf50-f027b8cad55f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssetsScheduleIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_0ac3b271-ab19-4ac2-a887-d5ddc4280d9a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_ea7f3e14-316d-4326-b72d-0daf98ed3b25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_0ac3b271-ab19-4ac2-a887-d5ddc4280d9a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_ea7f3e14-316d-4326-b72d-0daf98ed3b25" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_6ba3fd05-8fd7-46b7-970e-f76d31d327aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_0ac3b271-ab19-4ac2-a887-d5ddc4280d9a" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_6ba3fd05-8fd7-46b7-970e-f76d31d327aa" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssetsFutureAmortizationDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_4f9c1d8b-f19d-4d11-8192-b060bf1edc20" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_025ec07e-9765-49f6-9525-fdf8e50952c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_4f9c1d8b-f19d-4d11-8192-b060bf1edc20" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_025ec07e-9765-49f6-9525-fdf8e50952c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_df916c3b-437b-4ad9-93af-3f302eca6aab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_4f9c1d8b-f19d-4d11-8192-b060bf1edc20" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_df916c3b-437b-4ad9-93af-3f302eca6aab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_34c44e3f-e8a1-43f5-a033-0f2e8a53bbf9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_4f9c1d8b-f19d-4d11-8192-b060bf1edc20" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_34c44e3f-e8a1-43f5-a033-0f2e8a53bbf9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_de209ba8-2cfc-45ff-bbe4-a4dd6288b679" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_4f9c1d8b-f19d-4d11-8192-b060bf1edc20" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_de209ba8-2cfc-45ff-bbe4-a4dd6288b679" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_764abb47-d084-472e-9888-fe96a7471205" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_4f9c1d8b-f19d-4d11-8192-b060bf1edc20" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_764abb47-d084-472e-9888-fe96a7471205" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecurities_6a805e8e-8885-43f4-8a9a-388202a6dc88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_1983b441-944f-4296-8923-82473b1ba4b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_MarketableSecurities_6a805e8e-8885-43f4-8a9a-388202a6dc88" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_1983b441-944f-4296-8923-82473b1ba4b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_02d9efaa-1072-4125-bd40-600063d38aa1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_MarketableSecurities_6a805e8e-8885-43f4-8a9a-388202a6dc88" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_02d9efaa-1072-4125-bd40-600063d38aa1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_598deaba-37c0-4879-9a96-3496da1ff8f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_72c2d0ec-a039-450d-b09e-68f4fc3612a7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_598deaba-37c0-4879-9a96-3496da1ff8f5" xlink:to="loc_us-gaap_DerivativeLiabilities_72c2d0ec-a039-450d-b09e-68f4fc3612a7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_3146d8d2-8c20-4c87-a7db-f4b613d3581f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_96ea5f5f-08f2-4052-86dc-74c6602ecaf1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_3146d8d2-8c20-4c87-a7db-f4b613d3581f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_96ea5f5f-08f2-4052-86dc-74c6602ecaf1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_c2823057-81a3-4e15-82f9-97824c843f6e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_3146d8d2-8c20-4c87-a7db-f4b613d3581f" xlink:to="loc_us-gaap_DerivativeAssets_c2823057-81a3-4e15-82f9-97824c843f6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_8f51cd5d-af9f-4f31-a0c7-30d6e0394053" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_3146d8d2-8c20-4c87-a7db-f4b613d3581f" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_8f51cd5d-af9f-4f31-a0c7-30d6e0394053" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_ca67550a-9f35-42bd-b9ec-e3ad10d1567b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_3146d8d2-8c20-4c87-a7db-f4b613d3581f" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_ca67550a-9f35-42bd-b9ec-e3ad10d1567b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecurities_ea9264fc-160c-4383-b84d-ab465948f5d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecurities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_3146d8d2-8c20-4c87-a7db-f4b613d3581f" xlink:to="loc_us-gaap_MarketableSecurities_ea9264fc-160c-4383-b84d-ab465948f5d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_86cc7671-01e0-4c35-ae8d-474fb069581f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_3146d8d2-8c20-4c87-a7db-f4b613d3581f" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_86cc7671-01e0-4c35-ae8d-474fb069581f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_ce99fc03-3dd4-4afa-8943-d6045b909410" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ImpairedLoansFairValueDisclosure_d34d5b86-8b64-4d14-ab55-f96daedcbf9d" xlink:href="fbc-20231231.xsd#fbc_ImpairedLoansFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_ce99fc03-3dd4-4afa-8943-d6045b909410" xlink:to="loc_fbc_ImpairedLoansFairValueDisclosure_d34d5b86-8b64-4d14-ab55-f96daedcbf9d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_8ffd8949-350a-4259-826b-4ef1fc782501" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_ce99fc03-3dd4-4afa-8943-d6045b909410" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_8ffd8949-350a-4259-826b-4ef1fc782501" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference_e030ab24-014c-4d86-8270-e34e5f48ebc3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference_6d188067-0373-45d2-b9e6-6281740fc8c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference_e030ab24-014c-4d86-8270-e34e5f48ebc3" xlink:to="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference_6d188067-0373-45d2-b9e6-6281740fc8c5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsObligationsDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax_bd81e2c9-6cc6-425f-ae7e-8798078a4e13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax_edfb1492-bb46-48c0-95a7-e53fe46b00a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax_bd81e2c9-6cc6-425f-ae7e-8798078a4e13" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax_edfb1492-bb46-48c0-95a7-e53fe46b00a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_26a7f9b3-ffb2-4a52-93e7-da1e260830be" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax_bd81e2c9-6cc6-425f-ae7e-8798078a4e13" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_26a7f9b3-ffb2-4a52-93e7-da1e260830be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_4b95d408-6c02-4269-a917-98984c15dcd2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_0c320921-7e04-42d6-9180-501c1f34dccd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_4b95d408-6c02-4269-a917-98984c15dcd2" xlink:to="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_0c320921-7e04-42d6-9180-501c1f34dccd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_682649ac-a2fe-4d5d-a72a-895a0053118e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_4b95d408-6c02-4269-a917-98984c15dcd2" xlink:to="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_682649ac-a2fe-4d5d-a72a-895a0053118e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsScheduleofNetBenefitCostsDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_8c1f8833-f3d5-42b4-9939-9d40f22067f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_72e49d39-7395-42fc-93f5-2b2be1c78c5d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_8c1f8833-f3d5-42b4-9939-9d40f22067f3" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_72e49d39-7395-42fc-93f5-2b2be1c78c5d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_8805b3d9-8897-409a-9aa4-88ebcf31872a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_8c1f8833-f3d5-42b4-9939-9d40f22067f3" xlink:to="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_8805b3d9-8897-409a-9aa4-88ebcf31872a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_9d21bfc1-1679-460b-904c-6d76e9034785" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_8c1f8833-f3d5-42b4-9939-9d40f22067f3" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_9d21bfc1-1679-460b-904c-6d76e9034785" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsExpectedFuturePaymentsDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_906beb5c-4b34-403f-a061-9a47445e8e37" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanExpectedFutureBenefitPayment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_2038e6ca-0535-4d84-b8d5-a7c941a47fa0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_906beb5c-4b34-403f-a061-9a47445e8e37" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_2038e6ca-0535-4d84-b8d5-a7c941a47fa0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_3b6cbc94-b27e-4532-9964-c974cf0f179f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_906beb5c-4b34-403f-a061-9a47445e8e37" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_3b6cbc94-b27e-4532-9964-c974cf0f179f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_16486c0c-6db7-44f4-86d3-06cb857a78e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_906beb5c-4b34-403f-a061-9a47445e8e37" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_16486c0c-6db7-44f4-86d3-06cb857a78e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_711824da-dc68-43ce-9ba3-fb05fd10b2b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_906beb5c-4b34-403f-a061-9a47445e8e37" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_711824da-dc68-43ce-9ba3-fb05fd10b2b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_eb4355c6-359a-4291-9e6a-ecc451b6ddf1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_906beb5c-4b34-403f-a061-9a47445e8e37" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_eb4355c6-359a-4291-9e6a-ecc451b6ddf1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_330cdd01-463c-4924-916b-3ad2f18d11fa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_906beb5c-4b34-403f-a061-9a47445e8e37" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_330cdd01-463c-4924-916b-3ad2f18d11fa" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingenciesOffBalanceSheetDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_2b786cfe-d394-4270-a94d-3488a6f1652b" xlink:href="fbc-20231231.xsd#fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitment_5ca57795-e1b2-48fd-8d4b-8d69e9705e4f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_2b786cfe-d394-4270-a94d-3488a6f1652b" xlink:to="loc_us-gaap_OtherCommitment_5ca57795-e1b2-48fd-8d4b-8d69e9705e4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsMaximumExposure_c548eac0-ee95-4217-b19c-8121675991b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsMaximumExposure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_2b786cfe-d394-4270-a94d-3488a6f1652b" xlink:to="loc_us-gaap_GuaranteeObligationsMaximumExposure_c548eac0-ee95-4217-b19c-8121675991b6" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingenciesObligationsDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_e8971b56-a35c-49c3-ba08-bec4490f529c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GuarantorObligationsCurrentCarryingValueCurrent_24d116c2-e062-42b3-8536-54a2da66a8aa" xlink:href="fbc-20231231.xsd#fbc_GuarantorObligationsCurrentCarryingValueCurrent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_e8971b56-a35c-49c3-ba08-bec4490f529c" xlink:to="loc_fbc_GuarantorObligationsCurrentCarryingValueCurrent_24d116c2-e062-42b3-8536-54a2da66a8aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent_567bf1cf-ba98-4669-8c35-ca872e970ab7" xlink:href="fbc-20231231.xsd#fbc_GuarantorObligationsCurrentCarryingValueNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_e8971b56-a35c-49c3-ba08-bec4490f529c" xlink:to="loc_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent_567bf1cf-ba98-4669-8c35-ca872e970ab7" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationBalanceSheetDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_1b117eb6-92d8-4dac-a00b-cda2dacc9b77" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_70ba7345-dd7a-4ef5-b9cf-6618addd801f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_1b117eb6-92d8-4dac-a00b-cda2dacc9b77" xlink:to="loc_us-gaap_OtherAssets_70ba7345-dd7a-4ef5-b9cf-6618addd801f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_4a345133-f096-407d-9514-1b6e33646a87" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_1b117eb6-92d8-4dac-a00b-cda2dacc9b77" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_4a345133-f096-407d-9514-1b6e33646a87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_6bf7db83-99a5-4430-9cd2-de50d5c123c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_1b117eb6-92d8-4dac-a00b-cda2dacc9b77" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_6bf7db83-99a5-4430-9cd2-de50d5c123c0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationIncomeStatementDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_7e437135-da36-4206-9546-3a8151427f64" xlink:href="fbc-20231231.xsd#fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_0189b998-7ba3-48d2-9e97-8874e4688e08" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_7e437135-da36-4206-9546-3a8151427f64" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_0189b998-7ba3-48d2-9e97-8874e4688e08" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_432c8d5a-1ff4-46fd-9e9d-6eec84f509f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_7e437135-da36-4206-9546-3a8151427f64" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_432c8d5a-1ff4-46fd-9e9d-6eec84f509f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_e9569973-c415-461b-bdc5-4ac9054f0307" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_fa2f46b3-e362-4bc7-a53d-6fb585e9cc4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_e9569973-c415-461b-bdc5-4ac9054f0307" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_fa2f46b3-e362-4bc7-a53d-6fb585e9cc4e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_cfd76f81-0874-44b3-8222-d9605a8473f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_e9569973-c415-461b-bdc5-4ac9054f0307" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_cfd76f81-0874-44b3-8222-d9605a8473f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_0dfd0a81-1f8d-42d2-9d5e-a99030acd6a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_e9569973-c415-461b-bdc5-4ac9054f0307" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_0dfd0a81-1f8d-42d2-9d5e-a99030acd6a8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_ed336787-f9be-46fd-af6c-cdd7a1840475" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendIncomeOperating_91dd0715-edbb-4b7b-aaa2-26e252ccc209" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_ed336787-f9be-46fd-af6c-cdd7a1840475" xlink:to="loc_us-gaap_DividendIncomeOperating_91dd0715-edbb-4b7b-aaa2-26e252ccc209" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_7f28f513-cc66-4211-b248-d3f7f6c91f49" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_ed336787-f9be-46fd-af6c-cdd7a1840475" xlink:to="loc_us-gaap_OtherIncome_7f28f513-cc66-4211-b248-d3f7f6c91f49" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"/>
  <link:calculationLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_446010fd-f838-4d7f-9a40-814c27d5afc1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetChangeInReceivableFromSubsidiaries_73517975-da1a-483b-b36a-da7e151eac87" xlink:href="fbc-20231231.xsd#fbc_NetChangeInReceivableFromSubsidiaries"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_446010fd-f838-4d7f-9a40-814c27d5afc1" xlink:to="loc_fbc_NetChangeInReceivableFromSubsidiaries_73517975-da1a-483b-b36a-da7e151eac87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAcquiredFromAcquisition_6cda1b2c-37b3-4433-8503-0c4c1c678ee5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAcquiredFromAcquisition"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_446010fd-f838-4d7f-9a40-814c27d5afc1" xlink:to="loc_us-gaap_CashAcquiredFromAcquisition_6cda1b2c-37b3-4433-8503-0c4c1c678ee5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_4740fa45-8670-4e45-9d37-5b80d3fae01b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_69aaa136-56aa-46f5-91de-d99173c7fed7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_4740fa45-8670-4e45-9d37-5b80d3fae01b" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_69aaa136-56aa-46f5-91de-d99173c7fed7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_04807691-ae6d-465e-b351-16b5929f7b90" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_4740fa45-8670-4e45-9d37-5b80d3fae01b" xlink:to="loc_us-gaap_NetIncomeLoss_04807691-ae6d-465e-b351-16b5929f7b90" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_b4fafe79-d137-40a4-9c8d-436bc0d84aba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_4740fa45-8670-4e45-9d37-5b80d3fae01b" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_b4fafe79-d137-40a4-9c8d-436bc0d84aba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_a7ece5b5-c4c2-4e32-81d9-d36d02895671" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_4740fa45-8670-4e45-9d37-5b80d3fae01b" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_a7ece5b5-c4c2-4e32-81d9-d36d02895671" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_67407142-f3f1-45e1-ba0b-1663a148eee3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_4740fa45-8670-4e45-9d37-5b80d3fae01b" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_67407142-f3f1-45e1-ba0b-1663a148eee3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_b463df3f-c449-4015-a660-7a6cff36cdde" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_34f993f7-ae74-4e35-855e-9a492a2600fe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_b463df3f-c449-4015-a660-7a6cff36cdde" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_34f993f7-ae74-4e35-855e-9a492a2600fe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfOrdinaryDividends_814ecc3c-05ce-449c-bbb3-a68b701add80" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfOrdinaryDividends"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_b463df3f-c449-4015-a660-7a6cff36cdde" xlink:to="loc_us-gaap_PaymentsOfOrdinaryDividends_814ecc3c-05ce-449c-bbb3-a68b701add80" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>10
<FILENAME>fbc-20231231_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:bcf5b3f7-51bd-440b-a38b-1e93b39d7ed3,g:a0b96615-d252-4bd2-95c9-6be1cb8e717d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://www.flagstar.com/role/Cover" xlink:type="simple" xlink:href="fbc-20231231.xsd#Cover"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable_2a42bc4d-bd89-4f17-8d7e-90da8429427e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentInformationTable_2a42bc4d-bd89-4f17-8d7e-90da8429427e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_3f8f0366-bef2-42a4-96d5-18a773695a53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_dei_DocumentInformationTable_2a42bc4d-bd89-4f17-8d7e-90da8429427e" xlink:to="loc_us-gaap_StatementClassOfStockAxis_3f8f0366-bef2-42a4-96d5-18a773695a53" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_3f8f0366-bef2-42a4-96d5-18a773695a53_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3f8f0366-bef2-42a4-96d5-18a773695a53" xlink:to="loc_us-gaap_ClassOfStockDomain_3f8f0366-bef2-42a4-96d5-18a773695a53_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3f8f0366-bef2-42a4-96d5-18a773695a53" xlink:to="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_def1023a-e77e-4fbc-a097-cd3676c5f10f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:to="loc_us-gaap_CommonStockMember_def1023a-e77e-4fbc-a097-cd3676c5f10f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BifurcatedOptionNotesUnitSecuritiesMember_ee504005-fbd3-46f8-885d-d07d7712342e" xlink:href="fbc-20231231.xsd#fbc_BifurcatedOptionNotesUnitSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:to="loc_fbc_BifurcatedOptionNotesUnitSecuritiesMember_ee504005-fbd3-46f8-885d-d07d7712342e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_9a563e35-d688-44f5-b126-039a05749821" xlink:href="fbc-20231231.xsd#fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:to="loc_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_9a563e35-d688-44f5-b126-039a05749821" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_849ac40d-b561-428b-addb-8671d7a0fc91" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentType_849ac40d-b561-428b-addb-8671d7a0fc91" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAnnualReport_b05e81b6-91dd-464f-bef5-8b80d342daa3" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentAnnualReport"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentAnnualReport_b05e81b6-91dd-464f-bef5-8b80d342daa3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_3a7b8d65-8ad8-4653-861d-095b206fdeeb" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_CurrentFiscalYearEndDate_3a7b8d65-8ad8-4653-861d-095b206fdeeb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_192f549e-26a6-4d92-9377-48a205c1d730" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentPeriodEndDate_192f549e-26a6-4d92-9377-48a205c1d730" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_1cfe4b77-4d51-499e-867e-3c4bd29994ad" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentTransitionReport"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentTransitionReport_1cfe4b77-4d51-499e-867e-3c4bd29994ad" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_1ad6549a-89c7-41f5-99df-71a9f28b715d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityFileNumber_1ad6549a-89c7-41f5-99df-71a9f28b715d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_037e67f2-21a2-4768-a5c3-f6544c7f8003" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityRegistrantName_037e67f2-21a2-4768-a5c3-f6544c7f8003" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_3d32f3fe-64c7-4266-9e55-4d805e733502" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityIncorporationStateCountryCode_3d32f3fe-64c7-4266-9e55-4d805e733502" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_2fb21e20-9437-4462-bbc8-f4bb8b71885c" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityTaxIdentificationNumber_2fb21e20-9437-4462-bbc8-f4bb8b71885c" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_425975c0-cb53-409e-bf66-b543440470bb" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityAddressAddressLine1_425975c0-cb53-409e-bf66-b543440470bb" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_4ee46e88-e723-4312-a40f-aaa14de8ff20" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityAddressCityOrTown_4ee46e88-e723-4312-a40f-aaa14de8ff20" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_2f9d5d76-d1a2-47e1-ad5a-715713bcb612" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityAddressStateOrProvince_2f9d5d76-d1a2-47e1-ad5a-715713bcb612" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_27245daf-3bc3-403e-9af0-b0676c933e2e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityAddressPostalZipCode_27245daf-3bc3-403e-9af0-b0676c933e2e" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_9dd9cd16-807b-40fb-b8e5-97a5213f633d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_CityAreaCode_9dd9cd16-807b-40fb-b8e5-97a5213f633d" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_c3502246-f0b3-4787-a738-88fb9ef0d1cb" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_LocalPhoneNumber_c3502246-f0b3-4787-a738-88fb9ef0d1cb" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_d69191ef-0642-445a-a69e-76918c931704" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_Security12bTitle_d69191ef-0642-445a-a69e-76918c931704" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_977d5279-7140-4a0e-9861-3ab045582435" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_TradingSymbol_977d5279-7140-4a0e-9861-3ab045582435" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_2bdc4fe0-d6ba-4508-b36a-e2a95bc23bac" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_SecurityExchangeName_2bdc4fe0-d6ba-4508-b36a-e2a95bc23bac" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer_5d82ad27-71d4-489a-9af6-cfe8a74c66e4" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityWellKnownSeasonedIssuer"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityWellKnownSeasonedIssuer_5d82ad27-71d4-489a-9af6-cfe8a74c66e4" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityVoluntaryFilers_4bbc0bda-50aa-4599-b085-06e1898a75fd" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityVoluntaryFilers"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityVoluntaryFilers_4bbc0bda-50aa-4599-b085-06e1898a75fd" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_5f7b8b07-be82-429e-899c-d9f95c0dff46" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCurrentReportingStatus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityCurrentReportingStatus_5f7b8b07-be82-429e-899c-d9f95c0dff46" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_2ed0dcb9-a484-489e-a90f-8e17c18bff8a" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityInteractiveDataCurrent_2ed0dcb9-a484-489e-a90f-8e17c18bff8a" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_1ec07d19-84a5-41d9-8112-98c0c42c3d35" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFilerCategory"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityFilerCategory_1ec07d19-84a5-41d9-8112-98c0c42c3d35" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_032d90ce-5278-4ed2-a62c-1c6d7679481d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntitySmallBusiness"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntitySmallBusiness_032d90ce-5278-4ed2-a62c-1c6d7679481d" xlink:type="arc" order="23"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_22c78155-39bb-45ef-99ae-c46733de292b" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityEmergingGrowthCompany_22c78155-39bb-45ef-99ae-c46733de292b" xlink:type="arc" order="24"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_IcfrAuditorAttestationFlag_cdafc3ff-3aaf-40a6-9dd0-f040e57884f6" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_IcfrAuditorAttestationFlag"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_IcfrAuditorAttestationFlag_cdafc3ff-3aaf-40a6-9dd0-f040e57884f6" xlink:type="arc" order="25"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFinStmtErrorCorrectionFlag_93d1eb22-706d-4912-b340-aecbadcecb2a" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFinStmtErrorCorrectionFlag"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentFinStmtErrorCorrectionFlag_93d1eb22-706d-4912-b340-aecbadcecb2a" xlink:type="arc" order="26"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_a6c11270-7594-421a-8950-6ec244e10999" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityShellCompany"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityShellCompany_a6c11270-7594-421a-8950-6ec244e10999" xlink:type="arc" order="27"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityPublicFloat_6b56c096-ac08-4351-87fb-99076f984fa3" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityPublicFloat"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityPublicFloat_6b56c096-ac08-4351-87fb-99076f984fa3" xlink:type="arc" order="28"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_3ef994cf-8fd6-42d3-b51c-cd37061b963f" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_3ef994cf-8fd6-42d3-b51c-cd37061b963f" xlink:type="arc" order="29"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentsIncorporatedByReferenceTextBlock_4c2449f6-3191-4138-b445-a8af9f88c868" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentsIncorporatedByReferenceTextBlock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentsIncorporatedByReferenceTextBlock_4c2449f6-3191-4138-b445-a8af9f88c868" xlink:type="arc" order="30"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_eaef122e-11dc-4337-b4e7-1587238885f6" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityCentralIndexKey_eaef122e-11dc-4337-b4e7-1587238885f6" xlink:type="arc" order="31"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_bcab8ebd-2951-4bb6-97da-61bddc22a2e7" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_AmendmentFlag_bcab8ebd-2951-4bb6-97da-61bddc22a2e7" xlink:type="arc" order="32"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_a7499fbc-1b81-4ea3-a40a-0cebf15e2ba9" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentFiscalYearFocus_a7499fbc-1b81-4ea3-a40a-0cebf15e2ba9" xlink:type="arc" order="33"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_7b79d771-eb09-46ef-9c85-d239015ad87f" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentFiscalPeriodFocus_7b79d771-eb09-46ef-9c85-d239015ad87f" xlink:type="arc" order="34"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofIncomeandComprehensiveIncome"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_18d5ab5b-6217-46a9-8734-8552646440be" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_StatementTable_18d5ab5b-6217-46a9-8734-8552646440be" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_de6093ad-f39b-4018-8a0c-0066de868e40" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_18d5ab5b-6217-46a9-8734-8552646440be" xlink:to="loc_srt_RangeAxis_de6093ad-f39b-4018-8a0c-0066de868e40" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_de6093ad-f39b-4018-8a0c-0066de868e40_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_de6093ad-f39b-4018-8a0c-0066de868e40" xlink:to="loc_srt_RangeMember_de6093ad-f39b-4018-8a0c-0066de868e40_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_def9bcce-f86f-4826-a9f9-6c24989d7be4" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_de6093ad-f39b-4018-8a0c-0066de868e40" xlink:to="loc_srt_RangeMember_def9bcce-f86f-4826-a9f9-6c24989d7be4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_97fa696f-c1e2-42c3-acfc-f7d5fda5c7fe" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_def9bcce-f86f-4826-a9f9-6c24989d7be4" xlink:to="loc_srt_MaximumMember_97fa696f-c1e2-42c3-acfc-f7d5fda5c7fe" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_7fc5f2c1-162b-41e0-8acd-15dca55d7995" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_7fc5f2c1-162b-41e0-8acd-15dca55d7995" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecurities_68b45fbc-83ee-4cae-b8ab-bd231877f2c3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:to="loc_us-gaap_InterestAndDividendIncomeSecurities_68b45fbc-83ee-4cae-b8ab-bd231877f2c3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_19ba6f31-f4df-4f38-9a56-287a9ccb4a1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_19ba6f31-f4df-4f38-9a56-287a9ccb4a1c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDemandDepositAccounts_3f63b9ab-930b-4622-b750-b587435c6481" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseDemandDepositAccounts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpenseDemandDepositAccounts_3f63b9ab-930b-4622-b750-b587435c6481" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseSavingsDeposits_bb107611-e873-4065-b665-5eda0de0ce26" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseSavingsDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpenseSavingsDeposits_bb107611-e873-4065-b665-5eda0de0ce26" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseTimeDeposits_3e273066-e223-4f6d-9c55-89dbb0dba081" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseTimeDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpenseTimeDeposits_3e273066-e223-4f6d-9c55-89dbb0dba081" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt_cbcf47ec-3657-441a-9809-657a81a91846" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpenseLongTermDebt_cbcf47ec-3657-441a-9809-657a81a91846" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_ca0eb096-eb02-459c-89c6-f44fe3423eb9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpense_ca0eb096-eb02-459c-89c6-f44fe3423eb9" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_97b0b83c-e934-4377-b605-d24db55b64b0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_97b0b83c-e934-4377-b605-d24db55b64b0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_41ae8643-ad41-40ae-b726-b527983ab91d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_41ae8643-ad41-40ae-b726-b527983ab91d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_e3a0db4d-71cd-49d6-ae98-07ab9c2d3190" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_e3a0db4d-71cd-49d6-ae98-07ab9c2d3190" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeeIncome_124c3c0f-e61d-4bd9-a819-94ed53cad457" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FeeIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_FeeIncome_124c3c0f-e61d-4bd9-a819-94ed53cad457" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_6106b6c4-9d32-48aa-ae12-ea6fc5db0feb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_6106b6c4-9d32-48aa-ae12-ea6fc5db0feb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_887630fa-5524-4ee0-9a3e-ea2e29f0e5ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtAndEquitySecuritiesGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_887630fa-5524-4ee0-9a3e-ea2e29f0e5ef" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_552d36d4-df61-414f-9b3e-e2728e41d3d7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_552d36d4-df61-414f-9b3e-e2728e41d3d7" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_97a36cd5-56eb-4376-a250-925b80179469" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_97a36cd5-56eb-4376-a250-925b80179469" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LoanAdministrationIncomeExpense_f3ec8376-20ff-4b6e-9728-720e3155f5eb" xlink:href="fbc-20231231.xsd#fbc_LoanAdministrationIncomeExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_fbc_LoanAdministrationIncomeExpense_f3ec8376-20ff-4b6e-9728-720e3155f5eb" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_4bef181a-6876-4276-9aa3-79db7bd297d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_4bef181a-6876-4276-9aa3-79db7bd297d9" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_560c9cc4-3b3d-4038-ad50-8e2a0433bf8e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_560c9cc4-3b3d-4038-ad50-8e2a0433bf8e" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_aec460ff-fee2-440f-b11a-c72d3b5bf632" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_NoninterestIncome_aec460ff-fee2-440f-b11a-c72d3b5bf632" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_53f87ec1-37f8-4ead-ae59-d5512198a7c9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_LaborAndRelatedExpense_53f87ec1-37f8-4ead-ae59-d5512198a7c9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_bc82a989-1ebf-4f06-bcc6-dab37e50d528" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OccupancyNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_OccupancyNet_bc82a989-1ebf-4f06-bcc6-dab37e50d528" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_dee2f571-5a76-43ae-9591-4d11c0338bfb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_dee2f571-5a76-43ae-9591-4d11c0338bfb" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingCostsAndExpenses_d503cc6d-6a94-4db1-824d-c90c052d8d18" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingCostsAndExpenses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_OperatingCostsAndExpenses_d503cc6d-6a94-4db1-824d-c90c052d8d18" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_dd3b16f5-03de-4cff-a5d5-53657bb64083" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_dd3b16f5-03de-4cff-a5d5-53657bb64083" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_b7e15095-f6e3-4a30-b85c-0ae1b8f38628" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_b7e15095-f6e3-4a30-b85c-0ae1b8f38628" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_bd3c0983-ae4c-4e83-96e7-53ce3387ddf9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_bd3c0983-ae4c-4e83-96e7-53ce3387ddf9" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_d0c6c10e-1b3e-4919-abb5-69a8a80ea801" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_NoninterestExpense_d0c6c10e-1b3e-4919-abb5-69a8a80ea801" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_b707abbc-ed6d-4d2d-9753-43b82fcde6c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_b707abbc-ed6d-4d2d-9753-43b82fcde6c1" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_d5f7e86f-e94f-4cc0-81b5-ee58e52ba766" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_d5f7e86f-e94f-4cc0-81b5-ee58e52ba766" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_ef067b27-cf32-4e7e-a0dc-8b911a59339f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_NetIncomeLoss_ef067b27-cf32-4e7e-a0dc-8b911a59339f" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_b59dd50c-a8ab-45f4-8368-c15e37543338" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_b59dd50c-a8ab-45f4-8368-c15e37543338" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_037f7945-0ce8-49a4-9751-e2a12f36cb55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_037f7945-0ce8-49a4-9751-e2a12f36cb55" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_ca7def35-26a9-4782-b41f-83e1242e7880" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_EarningsPerShareBasic_ca7def35-26a9-4782-b41f-83e1242e7880" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_cfce204d-397b-4951-a8b0-68658cac1168" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_EarningsPerShareDiluted_cfce204d-397b-4951-a8b0-68658cac1168" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_e62c7b19-840b-4e52-8a47-7cc288913735" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossTaxAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_d2b86537-6f47-43f7-b492-6cdb0a5eef38" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_d2b86537-6f47-43f7-b492-6cdb0a5eef38" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax_16fdd2ee-37e6-4d26-9d3a-99c3e080ea64" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax_16fdd2ee-37e6-4d26-9d3a-99c3e080ea64" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_d28b1c6e-b6d0-4684-ba02-cb22290706d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_d28b1c6e-b6d0-4684-ba02-cb22290706d9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax_cf2b5d9b-4d6a-4698-a817-5e70c71198f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax_cf2b5d9b-4d6a-4698-a817-5e70c71198f4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_0bcb2aad-5e63-49ad-8e5b-eb97edd7a2f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_0bcb2aad-5e63-49ad-8e5b-eb97edd7a2f4" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_afba82b4-a4b4-4837-8b59-e8b2f34786ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_afba82b4-a4b4-4837-8b59-e8b2f34786ec" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofChangesinStockholdersEquity"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_7fe4ccd5-c679-4acf-8f73-a105a13d1b70" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_126acd43-a666-4dfe-9794-24fc8e6a8e2a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_7fe4ccd5-c679-4acf-8f73-a105a13d1b70" xlink:to="loc_us-gaap_StatementTable_126acd43-a666-4dfe-9794-24fc8e6a8e2a" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_60ab0fe0-f382-4f40-84fb-e84b3c55ba1e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_126acd43-a666-4dfe-9794-24fc8e6a8e2a" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_60ab0fe0-f382-4f40-84fb-e84b3c55ba1e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_60ab0fe0-f382-4f40-84fb-e84b3c55ba1e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_60ab0fe0-f382-4f40-84fb-e84b3c55ba1e" xlink:to="loc_us-gaap_EquityComponentDomain_60ab0fe0-f382-4f40-84fb-e84b3c55ba1e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_60ab0fe0-f382-4f40-84fb-e84b3c55ba1e" xlink:to="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_418a01e1-b4ef-4443-915a-bd55625322e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_PreferredStockMember_418a01e1-b4ef-4443-915a-bd55625322e2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_31acdae7-990e-4dc3-a3d7-62e64da9d2ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_CommonStockMember_31acdae7-990e-4dc3-a3d7-62e64da9d2ec" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_f96e2fda-6fa9-40dd-906e-f3abc8c6cbfd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_f96e2fda-6fa9-40dd-906e-f3abc8c6cbfd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_8474855a-36f4-4b9f-bf83-9a77878465dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_RetainedEarningsMember_8474855a-36f4-4b9f-bf83-9a77878465dc" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember_00ac6773-1508-4289-b537-40aa5f88c3e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_TreasuryStockCommonMember_00ac6773-1508-4289-b537-40aa5f88c3e8" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_400c080d-2b7f-47f4-b4be-f96afc6fd58f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_400c080d-2b7f-47f4-b4be-f96afc6fd58f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_7fe4ccd5-c679-4acf-8f73-a105a13d1b70" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesOutstanding_d99d6713-30d6-4b64-acff-14c0b2a65524" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_SharesOutstanding_d99d6713-30d6-4b64-acff-14c0b2a65524" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_6faabc41-e452-4149-b0b4-eada19e423a4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockholdersEquity_6faabc41-e452-4149-b0b4-eada19e423a4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_d92f9f40-e0f3-44ba-af44-7509f41ee22b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_d92f9f40-e0f3-44ba-af44-7509f41ee22b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_a3838d3b-b15b-485d-afc7-26e9cb86981b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_a3838d3b-b15b-485d-afc7-26e9cb86981b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_efeeb264-bc4d-441a-b2bf-edcf9156ba25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_efeeb264-bc4d-441a-b2bf-edcf9156ba25" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_b4b78d68-541e-468e-bf07-2775c5771d60" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_b4b78d68-541e-468e-bf07-2775c5771d60" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_4e2ac459-9882-4765-badc-ccaa688757fe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_4e2ac459-9882-4765-badc-ccaa688757fe" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_00e6ae19-a6ed-4ff5-962d-50a0b5c52f5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_NetIncomeLoss_00e6ae19-a6ed-4ff5-962d-50a0b5c52f5e" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStock_12ff93e0-f055-46bf-a28e-ca971e059022" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendsCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_DividendsCommonStock_12ff93e0-f055-46bf-a28e-ca971e059022" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStock_d81d4ae6-ed87-4e9d-870e-16f5522996de" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendsPreferredStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_DividendsPreferredStock_d81d4ae6-ed87-4e9d-870e-16f5522996de" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares_b48e85bb-778f-4928-9675-f48dd1fe2a96" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodShares_b48e85bb-778f-4928-9675-f48dd1fe2a96" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue_768d0490-8daf-4f99-b85c-7f9d5df25c3b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodValue_768d0490-8daf-4f99-b85c-7f9d5df25c3b" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_6959623d-0fcf-491c-9a4a-b0c2f72d2e29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_6959623d-0fcf-491c-9a4a-b0c2f72d2e29" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesOutstanding_0a32083e-89d4-49d8-83cf-2828ead8b1b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_749716c3-754b-4842-9f65-00d196e73295" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid_09ae64d8-5eac-4578-926a-11576eecdb18" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_7fe4ccd5-c679-4acf-8f73-a105a13d1b70" xlink:to="loc_us-gaap_CommonStockDividendsPerShareCashPaid_09ae64d8-5eac-4578-926a-11576eecdb18" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofCashFlows"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_8c4dd11a-b50c-4a58-975b-8d43e481b394" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_StatementTable_8c4dd11a-b50c-4a58-975b-8d43e481b394" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_67582733-9df0-402a-b876-7cd5fe86fef2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_8c4dd11a-b50c-4a58-975b-8d43e481b394" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_67582733-9df0-402a-b876-7cd5fe86fef2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_67582733-9df0-402a-b876-7cd5fe86fef2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_67582733-9df0-402a-b876-7cd5fe86fef2" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_67582733-9df0-402a-b876-7cd5fe86fef2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_2e04102b-e4b7-4b1d-805e-4585180835d3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_67582733-9df0-402a-b876-7cd5fe86fef2" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_2e04102b-e4b7-4b1d-805e-4585180835d3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_837c086f-617d-43ad-ae44-39605b6d6aef" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_2e04102b-e4b7-4b1d-805e-4585180835d3" xlink:to="loc_fbc_FlagstarBancorpMember_837c086f-617d-43ad-ae44-39605b6d6aef" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_ac8fd6c9-7132-49fa-97bb-ddb6e8bacccc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_8c4dd11a-b50c-4a58-975b-8d43e481b394" xlink:to="loc_us-gaap_AwardTypeAxis_ac8fd6c9-7132-49fa-97bb-ddb6e8bacccc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_ac8fd6c9-7132-49fa-97bb-ddb6e8bacccc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_ac8fd6c9-7132-49fa-97bb-ddb6e8bacccc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_ac8fd6c9-7132-49fa-97bb-ddb6e8bacccc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f05aa222-b471-4299-8457-2c7a1da296ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_ac8fd6c9-7132-49fa-97bb-ddb6e8bacccc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f05aa222-b471-4299-8457-2c7a1da296ec" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_a29b8b90-4acb-430c-b719-f24931228020" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f05aa222-b471-4299-8457-2c7a1da296ec" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_a29b8b90-4acb-430c-b719-f24931228020" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_1d444057-b1bd-46cd-8f91-24e4a70a1014" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_NetIncomeLoss_1d444057-b1bd-46cd-8f91-24e4a70a1014" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_c36b7b19-52a0-47d3-8a2b-2555c0c717b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_c36b7b19-52a0-47d3-8a2b-2555c0c717b3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_c7faf793-e6d9-46d5-b966-a7f08e9a5579" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_c7faf793-e6d9-46d5-b966-a7f08e9a5579" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_7e9a1b3a-7b23-49b8-aa8e-82124eed81ab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Depreciation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_Depreciation_7e9a1b3a-7b23-49b8-aa8e-82124eed81ab" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium_0aece614-726c-4ccc-bc0f-d4d135d65e16" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfDebtDiscountPremium"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_AmortizationOfDebtDiscountPremium_0aece614-726c-4ccc-bc0f-d4d135d65e16" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f6a2d817-d515-4be4-ac94-86006de5e065" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f6a2d817-d515-4be4-ac94-86006de5e065" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_fc07ab2a-b284-4c53-ad4b-4231f17f9da9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_fc07ab2a-b284-4c53-ad4b-4231f17f9da9" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_9a83dc60-4aec-4894-8f6f-71a4846bb278" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_9a83dc60-4aec-4894-8f6f-71a4846bb278" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_073ed2db-7155-4b18-a768-41063e95a26f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_073ed2db-7155-4b18-a768-41063e95a26f" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_842ff17e-fa2b-4874-aa8f-7f605950b3e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_842ff17e-fa2b-4874-aa8f-7f605950b3e2" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_cdec62d7-b4ee-4dd7-972a-ce85cfee7c0d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_ShareBasedCompensation_cdec62d7-b4ee-4dd7-972a-ce85cfee7c0d" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_897ee470-cf3c-45da-888e-f21202b10f5d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_897ee470-cf3c-45da-888e-f21202b10f5d" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a411cf4c-6720-4239-8abe-4040b138a9a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a411cf4c-6720-4239-8abe-4040b138a9a2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_2d938098-99f8-4302-a8fc-47408628ad56" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_2d938098-99f8-4302-a8fc-47408628ad56" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_IncreaseInDebtSecuritiesTrading_65d82403-1675-444b-b808-ecfa526b8fd9" xlink:href="fbc-20231231.xsd#fbc_IncreaseInDebtSecuritiesTrading"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_fbc_IncreaseInDebtSecuritiesTrading_65d82403-1675-444b-b808-ecfa526b8fd9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DecreaseInDebtSecuritiesTrading_6d9491cb-4fbc-45d9-95ae-f33a6ed829a4" xlink:href="fbc-20231231.xsd#fbc_DecreaseInDebtSecuritiesTrading"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_fbc_DecreaseInDebtSecuritiesTrading_6d9491cb-4fbc-45d9-95ae-f33a6ed829a4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale_87411c80-6328-4e57-a136-9305ba06fb20" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInLoansHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale_87411c80-6328-4e57-a136-9305ba06fb20" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ed7e5178-3720-4d61-9484-5a413d202df9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ed7e5178-3720-4d61-9484-5a413d202df9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_2478fbf2-1cef-4d3e-ab5a-a7b62f08d952" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_2478fbf2-1cef-4d3e-ab5a-a7b62f08d952" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans_5e32f990-a4f0-4e5c-a1db-4c15e9beb4d8" xlink:href="fbc-20231231.xsd#fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans_5e32f990-a4f0-4e5c-a1db-4c15e9beb4d8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_0f0684f2-7ec6-43cb-8958-71340c935e46" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_0f0684f2-7ec6-43cb-8958-71340c935e46" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_81a951a8-77b7-4efa-a185-8508905258b7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_81a951a8-77b7-4efa-a185-8508905258b7" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_fab1c8c0-1a6a-422d-bef8-7421d9966eeb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireFederalHomeLoanBankStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_fab1c8c0-1a6a-422d-bef8-7421d9966eeb" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLifeInsurancePolicies_ada25d14-4c2f-4325-ae7c-d9506f1c03ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromLifeInsurancePolicies"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromLifeInsurancePolicies_ada25d14-4c2f-4325-ae7c-d9506f1c03ec" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_bdf40705-d5d8-4185-bce5-c5726a1c4521" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfFinanceReceivables"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_bdf40705-d5d8-4185-bce5-c5726a1c4521" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables_8ac1fc46-833b-4ed8-97b8-58f44729f53d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireFinanceReceivables"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_PaymentsToAcquireFinanceReceivables_8ac1fc46-833b-4ed8-97b8-58f44729f53d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_48f8e06b-e314-4bbb-b815-94e2a28cdc09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_48f8e06b-e314-4bbb-b815-94e2a28cdc09" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables_77b88bc7-f9a3-4159-a99b-ff8b1e38cc42" xlink:href="fbc-20231231.xsd#fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables_77b88bc7-f9a3-4159-a99b-ff8b1e38cc42" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment_46a27f98-f556-415d-beb8-2afb8d22ef3b" xlink:href="fbc-20231231.xsd#fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment_46a27f98-f556-415d-beb8-2afb8d22ef3b" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAcquiredFromAcquisition_08a7a83a-f375-40d4-bb41-c7f680785c5f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAcquiredFromAcquisition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_CashAcquiredFromAcquisition_08a7a83a-f375-40d4-bb41-c7f680785c5f" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_64f0ac18-61df-4e7a-91b8-26b2fc242ef4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_64f0ac18-61df-4e7a-91b8-26b2fc242ef4" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits_bda814da-de2e-4900-bbbf-eeca04d7d360" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_IncreaseDecreaseInDeposits_bda814da-de2e-4900-bbbf-eeca04d7d360" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_70d2bfc0-d039-4d91-82da-13d1e0874ef8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_70d2bfc0-d039-4d91-82da-13d1e0874ef8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1f54b5e3-099e-44c7-afe6-a5aad085b4ac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1f54b5e3-099e-44c7-afe6-a5aad085b4ac" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_a003c676-dd6b-41f6-908f-fdad321e1f48" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_a003c676-dd6b-41f6-908f-fdad321e1f48" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities_c6c28a35-581a-4de5-88bc-9e2180dfa4e5" xlink:href="fbc-20231231.xsd#fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities_c6c28a35-581a-4de5-88bc-9e2180dfa4e5" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_8aab4bd0-777a-4982-8f45-6557648ba496" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_8aab4bd0-777a-4982-8f45-6557648ba496" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_8f0d011c-9588-4527-9ddd-d00035fab8c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_8f0d011c-9588-4527-9ddd-d00035fab8c7" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_70b4a9a9-2f37-4a4f-86ce-98bc8cbec757" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_70b4a9a9-2f37-4a4f-86ce-98bc8cbec757" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_a34bd6d1-ebbe-45e0-9d30-561a18442e41" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_a34bd6d1-ebbe-45e0-9d30-561a18442e41" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1c15dc12-bd6c-4938-8462-97310f4d28f7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1c15dc12-bd6c-4938-8462-97310f4d28f7" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_b337a8ab-971a-4df8-aa22-149a120fb29e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_b337a8ab-971a-4df8-aa22-149a120fb29e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_512cc00a-c3e2-48d2-8cd5-64e775540407" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_512cc00a-c3e2-48d2-8cd5-64e775540407" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_c29fc292-443d-4940-b036-44503aa5939c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_e1a64909-fd54-462d-8f68-ec9a8ca2b1cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_e1a64909-fd54-462d-8f68-ec9a8ca2b1cc" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_5c79ef91-d7d6-4d6b-828c-a23bedd73f26" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestPaidNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_e1a64909-fd54-462d-8f68-ec9a8ca2b1cc" xlink:to="loc_us-gaap_InterestPaidNet_5c79ef91-d7d6-4d6b-828c-a23bedd73f26" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaid_fb21d94f-50fe-48e5-b78f-aaa26c978312" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxesPaid"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_e1a64909-fd54-462d-8f68-ec9a8ca2b1cc" xlink:to="loc_us-gaap_IncomeTaxesPaid_fb21d94f-50fe-48e5-b78f-aaa26c978312" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferToOtherRealEstate_8e0e66c6-427e-41d4-ae92-1c039cf0b796" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferToOtherRealEstate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_TransferToOtherRealEstate_8e0e66c6-427e-41d4-ae92-1c039cf0b796" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale_3e473ee6-6625-4222-bd2b-47d6a0e829e9" xlink:href="fbc-20231231.xsd#fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale_3e473ee6-6625-4222-bd2b-47d6a0e829e9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_44d9b1ca-f046-481f-9872-b51fe0dbda56" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_44d9b1ca-f046-481f-9872-b51fe0dbda56" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_fc6942e0-9bc7-420c-b915-a43c99327d6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_fc6942e0-9bc7-420c-b915-a43c99327d6c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans_c993307a-9a2b-403a-a0e0-74e2ce9b8d22" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans_c993307a-9a2b-403a-a0e0-74e2ce9b8d22" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssued1_38b428fd-d182-49d8-9145-5898b1fd7cd4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssued1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_StockIssued1_38b428fd-d182-49d8-9145-5898b1fd7cd4" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfAssetsAcquired_f9b06588-b95d-4398-977e-07e1c95e55ab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOfAssetsAcquired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_us-gaap_FairValueOfAssetsAcquired_f9b06588-b95d-4398-977e-07e1c95e55ab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1_ab3e039d-d2a8-4d86-92e4-753cce955481" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1_ab3e039d-d2a8-4d86-92e4-753cce955481" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired_1317cc27-9187-4ce4-a22b-f1eff34d913a" xlink:href="fbc-20231231.xsd#fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired_1317cc27-9187-4ce4-a22b-f1eff34d913a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1_6cd5d2ec-d2fc-4e00-8c99-12fe46ea635f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1_6cd5d2ec-d2fc-4e00-8c99-12fe46ea635f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommonStockIssuedInBusinessCombination_e175ac53-9dc0-47e5-8610-a14714ad5188" xlink:href="fbc-20231231.xsd#fbc_CommonStockIssuedInBusinessCombination"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_fbc_CommonStockIssuedInBusinessCombination_e175ac53-9dc0-47e5-8610-a14714ad5188" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssued1_bde98b31-818b-45b1-9ac4-0ba6feeb5755" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssued1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquityInstrumentFDICAppreciationIssued_ef087f0c-6b9d-4602-92a5-044d37f57c3b" xlink:href="fbc-20231231.xsd#fbc_EquityInstrumentFDICAppreciationIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_fbc_EquityInstrumentFDICAppreciationIssued_ef087f0c-6b9d-4602-92a5-044d37f57c3b" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DescriptionofBusinessOrganizationandBasisofPresentationDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable_7c25cc70-6de1-4db0-a133-38fb95f65f8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable_7c25cc70-6de1-4db0-a133-38fb95f65f8d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis_289f3abb-2c2e-4e59-8a45-8ad12b64849c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable_7c25cc70-6de1-4db0-a133-38fb95f65f8d" xlink:to="loc_us-gaap_SubsidiarySaleOfStockAxis_289f3abb-2c2e-4e59-8a45-8ad12b64849c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_289f3abb-2c2e-4e59-8a45-8ad12b64849c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_289f3abb-2c2e-4e59-8a45-8ad12b64849c" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_289f3abb-2c2e-4e59-8a45-8ad12b64849c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_66f8a0b1-9682-4dcb-9a30-bb194e1b11c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_289f3abb-2c2e-4e59-8a45-8ad12b64849c" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_66f8a0b1-9682-4dcb-9a30-bb194e1b11c5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IPOMember_eeb50a84-4f32-4a65-8ad9-a5222f564210" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IPOMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_66f8a0b1-9682-4dcb-9a30-bb194e1b11c5" xlink:to="loc_us-gaap_IPOMember_eeb50a84-4f32-4a65-8ad9-a5222f564210" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_d77a28b4-7255-4fc4-8176-359d05ae49b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_d77a28b4-7255-4fc4-8176-359d05ae49b8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesIssuedPricePerShare_297a67b5-c223-4e1e-8295-f8c4cd5f95eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesIssuedPricePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_us-gaap_SharesIssuedPricePerShare_297a67b5-c223-4e1e-8295-f8c4cd5f95eb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SharesIssuedPricePerShareSplitAdjustedBasis_1cd67670-9b24-4151-a922-05493308bbe1" xlink:href="fbc-20231231.xsd#fbc_SharesIssuedPricePerShareSplitAdjustedBasis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_fbc_SharesIssuedPricePerShareSplitAdjustedBasis_1cd67670-9b24-4151-a922-05493308bbe1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfBranches_025983ed-dbae-4483-a9af-0f2822181c30" xlink:href="fbc-20231231.xsd#fbc_NumberOfBranches"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_fbc_NumberOfBranches_025983ed-dbae-4483-a9af-0f2822181c30" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators_480cfaa1-99da-494b-8861-8240029d078a" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators_480cfaa1-99da-494b-8861-8240029d078a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfLocalDivisions_b8f93011-5538-4380-b50e-85163aaf1ed2" xlink:href="fbc-20231231.xsd#fbc_NumberOfLocalDivisions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_fbc_NumberOfLocalDivisions_b8f93011-5538-4380-b50e-85163aaf1ed2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfStatesInWhichEntityOperates_5f6933bb-e54a-46e3-9352-a67578e22aa3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NumberOfStatesInWhichEntityOperates"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_us-gaap_NumberOfStatesInWhichEntityOperates_5f6933bb-e54a-46e3-9352-a67578e22aa3" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#SummaryofSignificantAccountingPoliciesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7ed662c5-0c45-4fee-a51a-ac5c3ae20ee2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7ed662c5-0c45-4fee-a51a-ac5c3ae20ee2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ed662c5-0c45-4fee-a51a-ac5c3ae20ee2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7ed662c5-0c45-4fee-a51a-ac5c3ae20ee2" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ed662c5-0c45-4fee-a51a-ac5c3ae20ee2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_80dfb1dd-72d7-4324-bb9b-5380cb2d40c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7ed662c5-0c45-4fee-a51a-ac5c3ae20ee2" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_80dfb1dd-72d7-4324-bb9b-5380cb2d40c0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember_c6c2484a-3778-4501-955c-f6405a0cbec8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_80dfb1dd-72d7-4324-bb9b-5380cb2d40c0" xlink:to="loc_us-gaap_UnfundedLoanCommitmentMember_c6c2484a-3778-4501-955c-f6405a0cbec8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ff92350e-3682-4054-a782-8c306b32827a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ff92350e-3682-4054-a782-8c306b32827a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_ff92350e-3682-4054-a782-8c306b32827a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ff92350e-3682-4054-a782-8c306b32827a" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_ff92350e-3682-4054-a782-8c306b32827a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_374d39cb-7d3f-4d2d-9d43-06e5249518eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ff92350e-3682-4054-a782-8c306b32827a" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_374d39cb-7d3f-4d2d-9d43-06e5249518eb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcessionsMember_d93b2e2f-cd14-4eb1-947b-52417a755ff0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcessionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_374d39cb-7d3f-4d2d-9d43-06e5249518eb" xlink:to="loc_us-gaap_ConcessionsMember_d93b2e2f-cd14-4eb1-947b-52417a755ff0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_c6241c28-ee32-4114-a5ae-1b0091cb2250" xlink:href="fbc-20231231.xsd#fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_374d39cb-7d3f-4d2d-9d43-06e5249518eb" xlink:to="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_c6241c28-ee32-4114-a5ae-1b0091cb2250" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_f3d234b8-ffb3-4deb-ac69-bb1104d4a8e2" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:to="loc_srt_RangeAxis_f3d234b8-ffb3-4deb-ac69-bb1104d4a8e2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_f3d234b8-ffb3-4deb-ac69-bb1104d4a8e2_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_f3d234b8-ffb3-4deb-ac69-bb1104d4a8e2" xlink:to="loc_srt_RangeMember_f3d234b8-ffb3-4deb-ac69-bb1104d4a8e2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_fd5af075-631e-4d25-8374-394069349849" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_f3d234b8-ffb3-4deb-ac69-bb1104d4a8e2" xlink:to="loc_srt_RangeMember_fd5af075-631e-4d25-8374-394069349849" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_b3bc76d8-895d-4674-9de1-8d5c6d08b93d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_fd5af075-631e-4d25-8374-394069349849" xlink:to="loc_srt_MinimumMember_b3bc76d8-895d-4674-9de1-8d5c6d08b93d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f00cf8aa-f3cc-470e-ab28-31526fb14013" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_fd5af075-631e-4d25-8374-394069349849" xlink:to="loc_srt_MaximumMember_f00cf8aa-f3cc-470e-ab28-31526fb14013" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_05b15323-ac62-429c-8e2c-f185831bca8c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_05b15323-ac62-429c-8e2c-f185831bca8c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAssets_00c10939-96e4-4311-9944-aaebb2899f21" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_DepositsAssets_00c10939-96e4-4311-9944-aaebb2899f21" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesForReverseRepurchaseAgreements_69927e3f-548a-4dee-9cfb-4fdf669189e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritiesForReverseRepurchaseAgreements"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_SecuritiesForReverseRepurchaseAgreements_69927e3f-548a-4dee-9cfb-4fdf669189e2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsSold_99bf870a-b804-4ba2-8c44-0902f00a9616" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalFundsSold"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_FederalFundsSold_99bf870a-b804-4ba2-8c44-0902f00a9616" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_bbde30ea-01ee-443c-bee3-aeaffbaa99bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_RestrictedCash_bbde30ea-01ee-443c-bee3-aeaffbaa99bd" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_30d5b917-c627-4d71-9e89-e6510226d24b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_30d5b917-c627-4d71-9e89-e6510226d24b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_f03f940c-b762-489d-837a-6ccc5fc0d080" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_f03f940c-b762-489d-837a-6ccc5fc0d080" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_dd723602-2a64-4c0b-9034-aa2cecc48f84" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_dd723602-2a64-4c0b-9034-aa2cecc48f84" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_c6d715c6-dc90-4d96-814f-7376e57255f7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Depreciation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_Depreciation_c6d715c6-dc90-4d96-814f-7376e57255f7" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance_d308976f-42a3-4616-bcbb-7b46d232dea3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_BankOwnedLifeInsurance_d308976f-42a3-4616-bcbb-7b46d232dea3" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_4d1c5d3b-4493-47c1-bbda-8215623be63f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_4d1c5d3b-4493-47c1-bbda-8215623be63f" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeclosedAssets_2c7d9d92-026a-43f3-aaca-16b2ebdf69bc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ForeclosedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_ForeclosedAssets_2c7d9d92-026a-43f3-aaca-16b2ebdf69bc" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesFairValueDisclosure_b259565d-d96f-4280-b076-30ef6df08722" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteesFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_GuaranteesFairValueDisclosure_b259565d-d96f-4280-b076-30ef6df08722" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation_264ab351-0580-4cc2-9c63-806584b75278" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation_264ab351-0580-4cc2-9c63-806584b75278" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_IntangibleAssetsAcquiredThroughForeclosure_14cf04ba-f161-4cf8-be7f-3daa21fae605" xlink:href="fbc-20231231.xsd#fbc_IntangibleAssetsAcquiredThroughForeclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_fbc_IntangibleAssetsAcquiredThroughForeclosure_14cf04ba-f161-4cf8-be7f-3daa21fae605" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherForeclosedAssets_3fd4c16a-aa0e-4cd5-8435-54da1bfd08cd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherForeclosedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_OtherForeclosedAssets_3fd4c16a-aa0e-4cd5-8435-54da1bfd08cd" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstate_b6657f92-aac1-48db-adc3-bb2e7a8002d4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherRealEstate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_OtherRealEstate_b6657f92-aac1-48db-adc3-bb2e7a8002d4" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_7063301b-f9e0-4ac7-9826-a7a1e04a78f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_7063301b-f9e0-4ac7-9826-a7a1e04a78f9" xlink:type="arc" order="17"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems_7a59fa79-5b44-4d5b-b0bf-bfc25f50846f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_379131da-7fe9-4cd4-81ee-30c2bb809848" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_7a59fa79-5b44-4d5b-b0bf-bfc25f50846f" xlink:to="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_379131da-7fe9-4cd4-81ee-30c2bb809848" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ed5e98e3-8019-4c83-8db6-9ef7810f642c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_379131da-7fe9-4cd4-81ee-30c2bb809848" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ed5e98e3-8019-4c83-8db6-9ef7810f642c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_ed5e98e3-8019-4c83-8db6-9ef7810f642c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ed5e98e3-8019-4c83-8db6-9ef7810f642c" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_ed5e98e3-8019-4c83-8db6-9ef7810f642c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ed5e98e3-8019-4c83-8db6-9ef7810f642c" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingMember_9a0a61d3-09dd-40bd-ba36-226115d8a3fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BuildingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_us-gaap_BuildingMember_9a0a61d3-09dd-40bd-ba36-226115d8a3fd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_3f6116e8-6572-4aa9-99d4-a0ea8caec209" xlink:href="fbc-20231231.xsd#fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_3f6116e8-6572-4aa9-99d4-a0ea8caec209" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseholdImprovementsMember_c078bcf0-3565-4b91-82b9-509f70c79cf5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseholdImprovementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_us-gaap_LeaseholdImprovementsMember_c078bcf0-3565-4b91-82b9-509f70c79cf5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ATMMember_b379382a-f1ed-433d-835b-9cd4228781b8" xlink:href="fbc-20231231.xsd#fbc_ATMMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_fbc_ATMMember_b379382a-f1ed-433d-835b-9cd4228781b8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcessionsMember_bbf1fd5d-6f13-41d8-b95d-b40fb32e7afb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcessionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_us-gaap_ConcessionsMember_bbf1fd5d-6f13-41d8-b95d-b40fb32e7afb" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_7e641dd3-4c2e-4b0f-9209-5306e56f677e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_379131da-7fe9-4cd4-81ee-30c2bb809848" xlink:to="loc_srt_RangeAxis_7e641dd3-4c2e-4b0f-9209-5306e56f677e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_7e641dd3-4c2e-4b0f-9209-5306e56f677e_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_7e641dd3-4c2e-4b0f-9209-5306e56f677e" xlink:to="loc_srt_RangeMember_7e641dd3-4c2e-4b0f-9209-5306e56f677e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_b2ea022b-2fb9-4af2-9ea1-10c5ae0bde73" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_7e641dd3-4c2e-4b0f-9209-5306e56f677e" xlink:to="loc_srt_RangeMember_b2ea022b-2fb9-4af2-9ea1-10c5ae0bde73" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_15dcca76-1c1f-4a7b-a4cb-fe659cff00f2" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_b2ea022b-2fb9-4af2-9ea1-10c5ae0bde73" xlink:to="loc_srt_MinimumMember_15dcca76-1c1f-4a7b-a4cb-fe659cff00f2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f10ea9b6-6811-400c-aaf7-ce6b85188a2b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_b2ea022b-2fb9-4af2-9ea1-10c5ae0bde73" xlink:to="loc_srt_MaximumMember_f10ea9b6-6811-400c-aaf7-ce6b85188a2b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_55c8c15d-6746-41be-aa70-e419606de06e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_7a59fa79-5b44-4d5b-b0bf-bfc25f50846f" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_55c8c15d-6746-41be-aa70-e419606de06e" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_28078d30-837e-492a-ba04-b84ff50b67bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_28078d30-837e-492a-ba04-b84ff50b67bd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_28078d30-837e-492a-ba04-b84ff50b67bd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_28078d30-837e-492a-ba04-b84ff50b67bd" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_28078d30-837e-492a-ba04-b84ff50b67bd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_15dd9e54-9154-48af-b5df-d33779d23fe4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_28078d30-837e-492a-ba04-b84ff50b67bd" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_15dd9e54-9154-48af-b5df-d33779d23fe4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_c264b59e-dd80-4c11-be65-979920afea1f" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_15dd9e54-9154-48af-b5df-d33779d23fe4" xlink:to="loc_fbc_SignatureBridgeBankMember_c264b59e-dd80-4c11-be65-979920afea1f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_bd73acde-bfe4-46da-a041-44e4ae1262a8" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_15dd9e54-9154-48af-b5df-d33779d23fe4" xlink:to="loc_fbc_FlagstarBancorpMember_bd73acde-bfe4-46da-a041-44e4ae1262a8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_c3159446-e571-4c47-bd89-b1c96f533bd0" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatementGeographicalAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:to="loc_srt_StatementGeographicalAxis_c3159446-e571-4c47-bd89-b1c96f533bd0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_c3159446-e571-4c47-bd89-b1c96f533bd0_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_SegmentGeographicalDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_StatementGeographicalAxis_c3159446-e571-4c47-bd89-b1c96f533bd0" xlink:to="loc_srt_SegmentGeographicalDomain_c3159446-e571-4c47-bd89-b1c96f533bd0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_SegmentGeographicalDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_StatementGeographicalAxis_c3159446-e571-4c47-bd89-b1c96f533bd0" xlink:to="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NY_19814195-e329-441a-9a4a-6816a568ca38" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_NY"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_NY_19814195-e329-441a-9a4a-6816a568ca38" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA_e605c9e2-9b9a-40ba-8b6e-4799eca585db" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_CA"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_CA_e605c9e2-9b9a-40ba-8b6e-4799eca585db" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NC_5dcf7ee2-393f-4b19-aa92-93efcc3dadca" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_NC"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_NC_5dcf7ee2-393f-4b19-aa92-93efcc3dadca" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CT_7d6d26c7-fadd-4a25-9914-937e6953c658" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_CT"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_CT_7d6d26c7-fadd-4a25-9914-937e6953c658" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NV_52ce9dae-ce3b-453e-aaf3-30cc6f71d4cb" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_NV"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_NV_52ce9dae-ce3b-453e-aaf3-30cc6f71d4cb" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_IN_0e8cd61b-a1cc-4f9b-a8a6-ce7c6e755923" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_IN"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_IN_0e8cd61b-a1cc-4f9b-a8a6-ce7c6e755923" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01b00a7f-2a20-4574-bee8-234950000c9a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01b00a7f-2a20-4574-bee8-234950000c9a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_01b00a7f-2a20-4574-bee8-234950000c9a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01b00a7f-2a20-4574-bee8-234950000c9a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_01b00a7f-2a20-4574-bee8-234950000c9a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_1809240b-e323-4842-9853-63820e6aae62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01b00a7f-2a20-4574-bee8-234950000c9a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_1809240b-e323-4842-9853-63820e6aae62" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_50ddfb94-c787-45bb-a817-0b92aee79e87" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CoreDepositsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_1809240b-e323-4842-9853-63820e6aae62" xlink:to="loc_us-gaap_CoreDepositsMember_50ddfb94-c787-45bb-a817-0b92aee79e87" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfBranches_1ae57795-ad8a-4098-af36-c8e102a08c1a" xlink:href="fbc-20231231.xsd#fbc_NumberOfBranches"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_fbc_NumberOfBranches_1ae57795-ad8a-4098-af36-c8e102a08c1a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued_d4caa632-0215-42dd-8bbc-b870b6dfe78a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued_d4caa632-0215-42dd-8bbc-b870b6dfe78a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_04b462f4-6646-47e5-a929-b2ea8e4c775f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_04b462f4-6646-47e5-a929-b2ea8e4c775f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC_cf3596f8-6f31-4937-aeed-2ecbf397e605" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC_cf3596f8-6f31-4937-aeed-2ecbf397e605" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_35854396-2d71-489b-adc2-f97b1761402c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_35854396-2d71-489b-adc2-f97b1761402c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCharges_3861e817-94be-4d94-84f7-11d03b4c2fd8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringCharges"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_RestructuringCharges_3861e817-94be-4d94-84f7-11d03b4c2fd8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_caad82a2-11a1-4a72-9db3-069355d11c96" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_caad82a2-11a1-4a72-9db3-069355d11c96" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfStatesInWhichOfficesAreLocated_209f94e6-b321-48af-a6bb-59cc63022066" xlink:href="fbc-20231231.xsd#fbc_NumberOfStatesInWhichOfficesAreLocated"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_fbc_NumberOfStatesInWhichOfficesAreLocated_209f94e6-b321-48af-a6bb-59cc63022066" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsNetAssetsAcquiredDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_3972c06e-3a49-4d6c-94ba-3d44ab868582" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_3972c06e-3a49-4d6c-94ba-3d44ab868582" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_80637c6c-27b2-48e7-aca7-57281b6f2d19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_3972c06e-3a49-4d6c-94ba-3d44ab868582" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_80637c6c-27b2-48e7-aca7-57281b6f2d19" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_80637c6c-27b2-48e7-aca7-57281b6f2d19_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_80637c6c-27b2-48e7-aca7-57281b6f2d19" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_80637c6c-27b2-48e7-aca7-57281b6f2d19_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_69bd1593-801a-469b-8e92-188d90573782" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_80637c6c-27b2-48e7-aca7-57281b6f2d19" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_69bd1593-801a-469b-8e92-188d90573782" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_7cf344c0-351d-4168-abf0-8e0ed2dc6b2a" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_69bd1593-801a-469b-8e92-188d90573782" xlink:to="loc_fbc_SignatureBridgeBankMember_7cf344c0-351d-4168-abf0-8e0ed2dc6b2a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_480d2c78-3ffc-44f4-a6c0-f8419f13613c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_3972c06e-3a49-4d6c-94ba-3d44ab868582" xlink:to="loc_srt_RestatementAxis_480d2c78-3ffc-44f4-a6c0-f8419f13613c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_480d2c78-3ffc-44f4-a6c0-f8419f13613c_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RestatementAxis_480d2c78-3ffc-44f4-a6c0-f8419f13613c" xlink:to="loc_srt_RestatementDomain_480d2c78-3ffc-44f4-a6c0-f8419f13613c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_d544851d-0d10-4b12-be1d-1202ed1b050b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RestatementAxis_480d2c78-3ffc-44f4-a6c0-f8419f13613c" xlink:to="loc_srt_RestatementDomain_d544851d-0d10-4b12-be1d-1202ed1b050b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_d9fd8bcc-259b-4f1f-9481-b039dce94184" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RestatementDomain_d544851d-0d10-4b12-be1d-1202ed1b050b" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_d9fd8bcc-259b-4f1f-9481-b039dce94184" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAdjustmentMember_b679897b-a327-4386-83da-ee7a07f761f7" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAdjustmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RestatementDomain_d544851d-0d10-4b12-be1d-1202ed1b050b" xlink:to="loc_srt_RestatementAdjustmentMember_b679897b-a327-4386-83da-ee7a07f761f7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_e469fcf9-2755-4c97-8b9b-6bea9a80fa43" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_e469fcf9-2755-4c97-8b9b-6bea9a80fa43" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans_d861390e-0d90-420a-870b-06b109b34f73" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans_d861390e-0d90-420a-870b-06b109b34f73" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_4933eeee-f584-419e-97ba-37443ba839b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_4933eeee-f584-419e-97ba-37443ba839b8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit_17ab6c9b-5fe0-489f-86c7-aba07810a05e" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit_17ab6c9b-5fe0-489f-86c7-aba07810a05e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities_7cf2979b-bdc9-4e5b-9a07-98376c244ccc" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities_7cf2979b-bdc9-4e5b-9a07-98376c244ccc" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument_ac738310-e9ec-4941-9795-e18ab13c7adc" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument_ac738310-e9ec-4941-9795-e18ab13c7adc" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability_2580e9e4-7d30-436f-8cc7-e345c1447e9f" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability_2580e9e4-7d30-436f-8cc7-e345c1447e9f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_34eff66e-3184-474e-9be3-de22d3b7116d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_34eff66e-3184-474e-9be3-de22d3b7116d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes_0692372e-defd-408f-a6dc-b9cac3bc9d9b" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes_0692372e-defd-408f-a6dc-b9cac3bc9d9b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability_5b349ff9-f8af-4b18-877e-bdc4b8e43f96" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability_5b349ff9-f8af-4b18-877e-bdc4b8e43f96" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsPreliminaryAllocationDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_5a51819f-ddf6-444f-b9a3-44d3153589ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_5a51819f-ddf6-444f-b9a3-44d3153589ca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_5a51819f-ddf6-444f-b9a3-44d3153589ca_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_5a51819f-ddf6-444f-b9a3-44d3153589ca" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_5a51819f-ddf6-444f-b9a3-44d3153589ca_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_124be727-f82f-4f66-a2d9-1aa8720e396b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_5a51819f-ddf6-444f-b9a3-44d3153589ca" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_124be727-f82f-4f66-a2d9-1aa8720e396b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_b453ba08-7ef0-47d3-b1c8-5e4448e691ab" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_124be727-f82f-4f66-a2d9-1aa8720e396b" xlink:to="loc_fbc_SignatureBridgeBankMember_b453ba08-7ef0-47d3-b1c8-5e4448e691ab" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_8993288a-b203-470e-a415-c1e156088fad" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_124be727-f82f-4f66-a2d9-1aa8720e396b" xlink:to="loc_fbc_FlagstarBancorpMember_8993288a-b203-470e-a415-c1e156088fad" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_51af0c52-f81f-4561-85f6-1b015f90940c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_51af0c52-f81f-4561-85f6-1b015f90940c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_51af0c52-f81f-4561-85f6-1b015f90940c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_51af0c52-f81f-4561-85f6-1b015f90940c" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_51af0c52-f81f-4561-85f6-1b015f90940c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_51af0c52-f81f-4561-85f6-1b015f90940c" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_5eb6df3d-74a5-4c09-85cd-c8e4b71940b8" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_5eb6df3d-74a5-4c09-85cd-c8e4b71940b8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialRealEstateMember_97245d3b-2a19-4104-8e0f-caee53ba7fad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:to="loc_us-gaap_CommercialRealEstateMember_97245d3b-2a19-4104-8e0f-caee53ba7fad" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_9cb1b0d6-e4fc-404a-ac02-a52100c4723b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_9cb1b0d6-e4fc-404a-ac02-a52100c4723b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_75372415-afdc-4ded-babc-d09943cd786d" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_75372415-afdc-4ded-babc-d09943cd786d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_b0e95bf3-dd36-476e-9187-0abd4eada0ed" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:to="loc_srt_RestatementAxis_b0e95bf3-dd36-476e-9187-0abd4eada0ed" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_b0e95bf3-dd36-476e-9187-0abd4eada0ed_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RestatementAxis_b0e95bf3-dd36-476e-9187-0abd4eada0ed" xlink:to="loc_srt_RestatementDomain_b0e95bf3-dd36-476e-9187-0abd4eada0ed_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_4754fa7c-9bf0-448e-8aca-7f9c553b62f9" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RestatementAxis_b0e95bf3-dd36-476e-9187-0abd4eada0ed" xlink:to="loc_srt_RestatementDomain_4754fa7c-9bf0-448e-8aca-7f9c553b62f9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_1668b05d-5e35-4685-8f0c-2538eb1f853a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RestatementDomain_4754fa7c-9bf0-448e-8aca-7f9c553b62f9" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_1668b05d-5e35-4685-8f0c-2538eb1f853a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAdjustmentMember_0ba47f34-9fd5-47bf-b3a6-ec250b18ccfa" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAdjustmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RestatementDomain_4754fa7c-9bf0-448e-8aca-7f9c553b62f9" xlink:to="loc_srt_RestatementAdjustmentMember_0ba47f34-9fd5-47bf-b3a6-ec250b18ccfa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_496ec9e0-8087-44ae-8247-3c8e3cd2768d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_496ec9e0-8087-44ae-8247-3c8e3cd2768d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_d4a813b3-4aa6-4cf7-b7b6-cc8c2aef0ffe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_d4a813b3-4aa6-4cf7-b7b6-cc8c2aef0ffe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities_e4d76f4b-e663-468f-8da5-f193fb4af4b1" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities_e4d76f4b-e663-468f-8da5-f193fb4af4b1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale_ead3471f-930d-4a33-89cf-df4ef9e34c45" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale_ead3471f-930d-4a33-89cf-df4ef9e34c45" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment_c0b74993-d5ef-4fa8-a0cb-994a43104159" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment_c0b74993-d5ef-4fa8-a0cb-994a43104159" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets_04397b83-f0d6-450d-927e-84f88279d5f8" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets_04397b83-f0d6-450d-927e-84f88279d5f8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights_4aeff5ec-951a-402d-9c9a-12479b0a25cf" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights_4aeff5ec-951a-402d-9c9a-12479b0a25cf" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_de68b85a-ca6e-477d-9c23-ae3b1852fea9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_de68b85a-ca6e-477d-9c23-ae3b1852fea9" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_c96696b6-1fe0-47e6-bea5-006d9a2b1352" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_c96696b6-1fe0-47e6-bea5-006d9a2b1352" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits_ffd9a06d-1e9e-4182-a2e4-40bdb1c5bb2f" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits_ffd9a06d-1e9e-4182-a2e4-40bdb1c5bb2f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt_7eefee9e-b64f-4677-8a97-e57773c142d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt_7eefee9e-b64f-4677-8a97-e57773c142d9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_3e934847-4ce3-4874-8f0b-ca378be30101" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_3e934847-4ce3-4874-8f0b-ca378be30101" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_5b82a6c8-5a37-4c09-9b8c-e605b384af09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_5b82a6c8-5a37-4c09-9b8c-e605b384af09" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_3e39d2fc-5252-4724-8252-69004d650c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_3e39d2fc-5252-4724-8252-69004d650c6e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_41de6e86-87e3-4ef7-893e-4e172be0cb62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_41de6e86-87e3-4ef7-893e-4e172be0cb62" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PriorPeriodAdjustmentAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_0e8c112f-8f66-4a88-8c9b-1c0de656a2ad" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_0e8c112f-8f66-4a88-8c9b-1c0de656a2ad" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets_31411784-d6bf-478f-a092-ca5971305092" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets_31411784-d6bf-478f-a092-ca5971305092" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_fc59774c-7517-4068-9602-51b30de82b8e" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_fc59774c-7517-4068-9602-51b30de82b8e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_6c45357c-7806-49e3-b2b6-02d92aae65bf" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_6c45357c-7806-49e3-b2b6-02d92aae65bf" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_e3f6e63c-8d50-4a75-8b74-0f3449b410b9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_e3f6e63c-8d50-4a75-8b74-0f3449b410b9" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_7a25d325-4ef4-4cfe-8005-2297cb22ef19" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_7a25d325-4ef4-4cfe-8005-2297cb22ef19" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_cbb4119f-e330-4fe0-b313-a0b1f42b3c7d" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_cbb4119f-e330-4fe0-b313-a0b1f42b3c7d" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_3f1d2457-ea39-47a0-bcc6-beff9329f772" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_3f1d2457-ea39-47a0-bcc6-beff9329f772" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain_67fcd6e6-fd3b-412d-a99e-58f2a4a05a01" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain_67fcd6e6-fd3b-412d-a99e-58f2a4a05a01" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsPCDLoansAcquiredDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_ad625d69-b119-42e1-8aba-9964ba548df4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_ad625d69-b119-42e1-8aba-9964ba548df4" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_b4384c6c-9c5d-42a2-92cb-7cdf83e6b75a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_ad625d69-b119-42e1-8aba-9964ba548df4" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_b4384c6c-9c5d-42a2-92cb-7cdf83e6b75a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b4384c6c-9c5d-42a2-92cb-7cdf83e6b75a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_b4384c6c-9c5d-42a2-92cb-7cdf83e6b75a" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_b4384c6c-9c5d-42a2-92cb-7cdf83e6b75a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_55b33b16-23ac-4dbf-8f2d-bf8f93887a8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_b4384c6c-9c5d-42a2-92cb-7cdf83e6b75a" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_55b33b16-23ac-4dbf-8f2d-bf8f93887a8d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_17ad1a1e-2881-49bd-92b5-e3e1878fbe52" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_55b33b16-23ac-4dbf-8f2d-bf8f93887a8d" xlink:to="loc_fbc_SignatureBridgeBankMember_17ad1a1e-2881-49bd-92b5-e3e1878fbe52" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_fbbf0319-71ae-4bf7-a0ed-3742f178fc26" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_55b33b16-23ac-4dbf-8f2d-bf8f93887a8d" xlink:to="loc_fbc_FlagstarBancorpMember_fbbf0319-71ae-4bf7-a0ed-3742f178fc26" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_6276c2bd-e9bf-4114-96b3-0abe7622d1a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_6276c2bd-e9bf-4114-96b3-0abe7622d1a1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_ae1bbf18-0bd8-48b5-8824-668f1fe5970b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_ae1bbf18-0bd8-48b5-8824-668f1fe5970b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_4b48d71c-47d0-421f-a0f9-0054bae0061c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_4b48d71c-47d0-421f-a0f9-0054bae0061c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_69c5d479-dc33-40b2-9035-81239c42c913" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_69c5d479-dc33-40b2-9035-81239c42c913" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsProFormaInformationDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_4949335b-5420-412c-8607-31be30d6f907" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_4949335b-5420-412c-8607-31be30d6f907" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_9046dc18-197c-4d29-b0b5-fb8b5f17ae8a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_4949335b-5420-412c-8607-31be30d6f907" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_9046dc18-197c-4d29-b0b5-fb8b5f17ae8a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_9046dc18-197c-4d29-b0b5-fb8b5f17ae8a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_9046dc18-197c-4d29-b0b5-fb8b5f17ae8a" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_9046dc18-197c-4d29-b0b5-fb8b5f17ae8a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_89f5d40b-417a-4216-b9b8-811513d3ffcd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_9046dc18-197c-4d29-b0b5-fb8b5f17ae8a" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_89f5d40b-417a-4216-b9b8-811513d3ffcd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_0c6bf382-9834-4a10-b502-24d36da176b0" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_89f5d40b-417a-4216-b9b8-811513d3ffcd" xlink:to="loc_fbc_FlagstarBancorpMember_0c6bf382-9834-4a10-b502-24d36da176b0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessAcquisitionsProFormaNetIncomeInterest_8d74dd17-30a8-4c7c-a803-01d7e51c7aa3" xlink:href="fbc-20231231.xsd#fbc_BusinessAcquisitionsProFormaNetIncomeInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:to="loc_fbc_BusinessAcquisitionsProFormaNetIncomeInterest_8d74dd17-30a8-4c7c-a803-01d7e51c7aa3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessAcquisitionsProFormaNonInterestIncome_8645d4fc-a29f-438e-ac6e-da5e0514174f" xlink:href="fbc-20231231.xsd#fbc_BusinessAcquisitionsProFormaNonInterestIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:to="loc_fbc_BusinessAcquisitionsProFormaNonInterestIncome_8645d4fc-a29f-438e-ac6e-da5e0514174f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss_515ae426-58ff-439a-bf8b-501822b1acc8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:to="loc_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss_515ae426-58ff-439a-bf8b-501822b1acc8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders_50d7ed2e-1e0b-4b40-b45c-79423b2b2896" xlink:href="fbc-20231231.xsd#fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:to="loc_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders_50d7ed2e-1e0b-4b40-b45c-79423b2b2896" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#AccumulatedOtherComprehensiveIncomeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_786b5e6e-93b2-471d-a788-6e9132cecacf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_786b5e6e-93b2-471d-a788-6e9132cecacf" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b68b0082-e960-4b17-9436-b4d6339a6029" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_786b5e6e-93b2-471d-a788-6e9132cecacf" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b68b0082-e960-4b17-9436-b4d6339a6029" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_b68b0082-e960-4b17-9436-b4d6339a6029_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b68b0082-e960-4b17-9436-b4d6339a6029" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_b68b0082-e960-4b17-9436-b4d6339a6029_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_e8e24008-1e8e-440d-a60a-a0fd31cd0d1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b68b0082-e960-4b17-9436-b4d6339a6029" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_e8e24008-1e8e-440d-a60a-a0fd31cd0d1c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_175c3b6e-cea5-4e95-8038-8d8fab64e025" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_e8e24008-1e8e-440d-a60a-a0fd31cd0d1c" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_175c3b6e-cea5-4e95-8038-8d8fab64e025" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_9384c830-737f-482e-a56f-159a3f46cbb2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_786b5e6e-93b2-471d-a788-6e9132cecacf" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_9384c830-737f-482e-a56f-159a3f46cbb2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_9384c830-737f-482e-a56f-159a3f46cbb2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_9384c830-737f-482e-a56f-159a3f46cbb2" xlink:to="loc_us-gaap_EquityComponentDomain_9384c830-737f-482e-a56f-159a3f46cbb2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_9384c830-737f-482e-a56f-159a3f46cbb2" xlink:to="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_4e5ecdd2-5e7f-4f18-a134-2caeaf2c70e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_4e5ecdd2-5e7f-4f18-a134-2caeaf2c70e0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_ce2a826c-c188-4680-a124-20d7a7110e95" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_ce2a826c-c188-4680-a124-20d7a7110e95" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_b8de28ae-10b0-440d-82e6-5479f10b65fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:to="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_b8de28ae-10b0-440d-82e6-5479f10b65fc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember_c4f41918-3218-4b0e-9c46-cda82d6efa78" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_b8de28ae-10b0-440d-82e6-5479f10b65fc" xlink:to="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember_c4f41918-3218-4b0e-9c46-cda82d6efa78" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember_7a287a78-2f4f-4353-aab7-014a4b27eba5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_b8de28ae-10b0-440d-82e6-5479f10b65fc" xlink:to="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember_7a287a78-2f4f-4353-aab7-014a4b27eba5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_5d260391-b2e5-426b-bce1-61d56337a568" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtAndEquitySecuritiesGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_5d260391-b2e5-426b-bce1-61d56337a568" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_6a0c2e2b-2634-44f0-bfbb-eacb3fa8752e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_6a0c2e2b-2634-44f0-bfbb-eacb3fa8752e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_7bf4f364-faec-4084-bbef-cb34732bbc12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_7bf4f364-faec-4084-bbef-cb34732bbc12" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_e5582d41-4f32-4dca-bba9-e86f5e150bbd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_NetIncomeLoss_e5582d41-4f32-4dca-bba9-e86f5e150bbd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_74c06b00-1c2d-4b8b-858c-f6dd52e32d13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_InterestExpense_74c06b00-1c2d-4b8b-858c-f6dd52e32d13" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2c99f084-f40e-4663-a6a3-32e70e379c73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:to="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2c99f084-f40e-4663-a6a3-32e70e379c73" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_0c050232-22ee-4a13-930f-bf8b384caaba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2c99f084-f40e-4663-a6a3-32e70e379c73" xlink:to="loc_us-gaap_FinancialInstrumentAxis_0c050232-22ee-4a13-930f-bf8b384caaba" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0c050232-22ee-4a13-930f-bf8b384caaba_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_0c050232-22ee-4a13-930f-bf8b384caaba" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0c050232-22ee-4a13-930f-bf8b384caaba_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3e96a48b-c531-49fa-941b-59725a389b19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_0c050232-22ee-4a13-930f-bf8b384caaba" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3e96a48b-c531-49fa-941b-59725a389b19" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_5f7142b3-8be0-40c3-bb5b-8c892d2374f7" xlink:href="fbc-20231231.xsd#fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3e96a48b-c531-49fa-941b-59725a389b19" xlink:to="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_5f7142b3-8be0-40c3-bb5b-8c892d2374f7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_5f7142b3-8be0-40c3-bb5b-8c892d2374f7" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_855c6247-0d49-4162-9385-3f8d1bd3f1e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_855c6247-0d49-4162-9385-3f8d1bd3f1e1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_dabbe9ef-e02a-42dc-8a59-ee4742247915" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_dabbe9ef-e02a-42dc-8a59-ee4742247915" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_8b667cbe-7ae8-42e8-bc08-d3a66956a807" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_8b667cbe-7ae8-42e8-bc08-d3a66956a807" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_5f7142b3-8be0-40c3-bb5b-8c892d2374f7" xlink:to="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_65a1db62-0d24-48ad-aa8d-474611e762fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_65a1db62-0d24-48ad-aa8d-474611e762fd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_5398af0f-9af8-4723-8f1c-67bd5f274bdb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_5398af0f-9af8-4723-8f1c-67bd5f274bdb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_5d2cbe07-d6a9-46a7-9a0f-b7ece365cb35" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_5d2cbe07-d6a9-46a7-9a0f-b7ece365cb35" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_2d195121-ccc8-4f18-aecc-9fdb793e6d48" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_MunicipalBondsMember_2d195121-ccc8-4f18-aecc-9fdb793e6d48" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_ae68b8e3-1944-484e-9435-a8ed36509ccd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_ae68b8e3-1944-484e-9435-a8ed36509ccd" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForeignNotesMember_15077448-f5b4-48a8-b7df-51c0b1f77d91" xlink:href="fbc-20231231.xsd#fbc_ForeignNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_fbc_ForeignNotesMember_15077448-f5b4-48a8-b7df-51c0b1f77d91" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNoteSecuritiesMember_bbcde30b-6c34-4cb2-8a74-b6b73ea8f119" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateNoteSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_CorporateNoteSecuritiesMember_bbcde30b-6c34-4cb2-8a74-b6b73ea8f119" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_5c661635-e512-468c-a892-7e0e498a6485" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3e96a48b-c531-49fa-941b-59725a389b19" xlink:to="loc_us-gaap_EquitySecuritiesMember_5c661635-e512-468c-a892-7e0e498a6485" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_8783d4d4-7091-4b45-8ea6-7d5ac12ede29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MutualFundMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquitySecuritiesMember_5c661635-e512-468c-a892-7e0e498a6485" xlink:to="loc_us-gaap_MutualFundMember_8783d4d4-7091-4b45-8ea6-7d5ac12ede29" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_623164ec-2eed-478c-95f5-85cc4544bf10" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_623164ec-2eed-478c-95f5-85cc4544bf10" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_eb95e5af-7610-46e3-92b1-65e1a7a0a589" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_eb95e5af-7610-46e3-92b1-65e1a7a0a589" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_6dea021f-c2ff-46a9-88f4-d11b68033b9e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_6dea021f-c2ff-46a9-88f4-d11b68033b9e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_eeee4d7e-5fa3-4bf0-9d43-35f4333db1ad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_eeee4d7e-5fa3-4bf0-9d43-35f4333db1ad" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFVNIAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:to="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCost_2e36723a-8ad3-48b5-b789-815d9c4075c8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCost_2e36723a-8ad3-48b5-b789-815d9c4075c8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquitySecuritiesUnrealizedLoss_267878a4-1610-40a2-b66e-83cf49768194" xlink:href="fbc-20231231.xsd#fbc_EquitySecuritiesUnrealizedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:to="loc_fbc_EquitySecuritiesUnrealizedLoss_267878a4-1610-40a2-b66e-83cf49768194" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_dfa11d8a-20c4-4551-9cdf-1e9736920cba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_dfa11d8a-20c4-4551-9cdf-1e9736920cba" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:to="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_020bbba9-5e62-493c-b898-9a3a62754630" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:to="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_020bbba9-5e62-493c-b898-9a3a62754630" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MarketableSecuritiesGrossUnrealizedGain_9844aaaa-7674-4e1f-877d-ef1990b33589" xlink:href="fbc-20231231.xsd#fbc_MarketableSecuritiesGrossUnrealizedGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:to="loc_fbc_MarketableSecuritiesGrossUnrealizedGain_9844aaaa-7674-4e1f-877d-ef1990b33589" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MarketableSecuritiesGrossUnrealizedLoss_4008fd64-bc88-44de-845f-4e29941f4344" xlink:href="fbc-20231231.xsd#fbc_MarketableSecuritiesGrossUnrealizedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:to="loc_fbc_MarketableSecuritiesGrossUnrealizedLoss_4008fd64-bc88-44de-845f-4e29941f4344" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_06a53c20-af8d-4cdb-a927-fea334ede70b" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:to="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_06a53c20-af8d-4cdb-a927-fea334ede70b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_2038bf9c-b148-42ad-8412-953e00a24bee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_2038bf9c-b148-42ad-8412-953e00a24bee" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_144fcee4-1edf-43bd-be23-a9933a0b1312" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_2038bf9c-b148-42ad-8412-953e00a24bee" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_144fcee4-1edf-43bd-be23-a9933a0b1312" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_1a358295-47e9-4e3a-b890-88faa4449172" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:to="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_1a358295-47e9-4e3a-b890-88faa4449172" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_1a358295-47e9-4e3a-b890-88faa4449172_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_1a358295-47e9-4e3a-b890-88faa4449172" xlink:to="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_1a358295-47e9-4e3a-b890-88faa4449172_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_24046935-c2e8-4d24-8096-01f9798a2f12" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_1a358295-47e9-4e3a-b890-88faa4449172" xlink:to="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_24046935-c2e8-4d24-8096-01f9798a2f12" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankOfNewYorkMember_a068a743-b8ef-49e4-860b-82ec12fcfe3f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankOfNewYorkMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_24046935-c2e8-4d24-8096-01f9798a2f12" xlink:to="loc_srt_FederalHomeLoanBankOfNewYorkMember_a068a743-b8ef-49e4-860b-82ec12fcfe3f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankOfIndianapolisMember_ac3042ba-f959-4e47-a0d6-623a17ab0844" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankOfIndianapolisMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_24046935-c2e8-4d24-8096-01f9798a2f12" xlink:to="loc_srt_FederalHomeLoanBankOfIndianapolisMember_ac3042ba-f959-4e47-a0d6-623a17ab0844" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_0d9b158f-1d11-4b93-b6d8-0c29a4255295" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:to="loc_us-gaap_InvestmentTypeAxis_0d9b158f-1d11-4b93-b6d8-0c29a4255295" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_0d9b158f-1d11-4b93-b6d8-0c29a4255295_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InvestmentTypeAxis_0d9b158f-1d11-4b93-b6d8-0c29a4255295" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_0d9b158f-1d11-4b93-b6d8-0c29a4255295_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InvestmentTypeAxis_0d9b158f-1d11-4b93-b6d8-0c29a4255295" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedDebtObligationsMember_71338ae7-4a22-4502-97d6-61f6c8bde574" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedDebtObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_CollateralizedDebtObligationsMember_71338ae7-4a22-4502-97d6-61f6c8bde574" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNoteSecuritiesMember_1361030e-7a7c-43af-a1c9-4a01a8b107a0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateNoteSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_CorporateNoteSecuritiesMember_1361030e-7a7c-43af-a1c9-4a01a8b107a0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_cda73f80-ee04-4438-a6b9-6d2e788b1d1d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_cda73f80-ee04-4438-a6b9-6d2e788b1d1d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_f738d7fe-03a4-4227-9fe3-bc47f40269df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_f738d7fe-03a4-4227-9fe3-bc47f40269df" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_2d555b9f-4362-416a-b781-dde5424c253b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_2d555b9f-4362-416a-b781-dde5424c253b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_370ba9f7-cedd-4d77-ab94-e64b5e3d546b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_370ba9f7-cedd-4d77-ab94-e64b5e3d546b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_6cb7c366-9cca-4e5d-913f-9ca3fd44c37e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MutualFundMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_MutualFundMember_6cb7c366-9cca-4e5d-913f-9ca3fd44c37e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_84d310f9-ee52-4187-9110-76ef89e1bedd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_MunicipalBondsMember_84d310f9-ee52-4187-9110-76ef89e1bedd" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForeignNotesMember_53a76419-9b0a-4e4c-b54f-c89d7bc114cc" xlink:href="fbc-20231231.xsd#fbc_ForeignNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_fbc_ForeignNotesMember_53a76419-9b0a-4e4c-b54f-c89d7bc114cc" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_7b8dd3d1-9881-4d7d-a776-53bd7e1f9d48" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CounterpartyNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:to="loc_srt_CounterpartyNameAxis_7b8dd3d1-9881-4d7d-a776-53bd7e1f9d48" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_7b8dd3d1-9881-4d7d-a776-53bd7e1f9d48_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CounterpartyNameAxis_7b8dd3d1-9881-4d7d-a776-53bd7e1f9d48" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_7b8dd3d1-9881-4d7d-a776-53bd7e1f9d48_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_e8915ac4-c775-49d4-a37b-15021b7b5aa4" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CounterpartyNameAxis_7b8dd3d1-9881-4d7d-a776-53bd7e1f9d48" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_e8915ac4-c775-49d4-a37b-15021b7b5aa4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBankMember_59f97e65-7e4a-4fc0-a891-21a9a486896d" xlink:href="fbc-20231231.xsd#fbc_SignatureBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_e8915ac4-c775-49d4-a37b-15021b7b5aa4" xlink:to="loc_fbc_SignatureBankMember_59f97e65-7e4a-4fc0-a891-21a9a486896d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_a5b69b44-d3c9-462d-916a-540ab2329987" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:to="loc_us-gaap_FinancialInstrumentAxis_a5b69b44-d3c9-462d-916a-540ab2329987" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_a5b69b44-d3c9-462d-916a-540ab2329987_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_a5b69b44-d3c9-462d-916a-540ab2329987" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_a5b69b44-d3c9-462d-916a-540ab2329987_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7e689708-170d-4ca1-8381-42a904e68510" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_a5b69b44-d3c9-462d-916a-540ab2329987" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7e689708-170d-4ca1-8381-42a904e68510" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_7f9307de-40cb-40ac-bc75-3d253ac64655" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7e689708-170d-4ca1-8381-42a904e68510" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_7f9307de-40cb-40ac-bc75-3d253ac64655" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStock_d2b12637-1035-4f26-b0eb-70a2a7a153eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_FederalHomeLoanBankStock_d2b12637-1035-4f26-b0eb-70a2a7a153eb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalReserveBankStock_603b8c8f-b39e-433b-bf5a-11253f8f9f75" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalReserveBankStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_FederalReserveBankStock_603b8c8f-b39e-433b-bf5a-11253f8f9f75" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedLoss_7e23b079-4759-4e76-a5fb-a608c19587fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_EquitySecuritiesFvNiUnrealizedLoss_7e23b079-4759-4e76-a5fb-a608c19587fb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_aef1a9bd-95f7-4bbd-8192-ec3282a9ae42" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_aef1a9bd-95f7-4bbd-8192-ec3282a9ae42" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths_a841062b-aa61-4471-920b-b946c068d705" xlink:href="fbc-20231231.xsd#fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths_a841062b-aa61-4471-920b-b946c068d705" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d04d882c-7edc-4049-88b0-8e1283ddf32f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d04d882c-7edc-4049-88b0-8e1283ddf32f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_0bb7efcb-c8f5-42f2-8be1-5186688075c3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_0bb7efcb-c8f5-42f2-8be1-5186688075c3" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_99379079-bf83-41ff-bf0a-bd1de65b1206" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_99379079-bf83-41ff-bf0a-bd1de65b1206" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_7575d58f-e3ab-46d9-a14b-f85e40042f41" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_99379079-bf83-41ff-bf0a-bd1de65b1206" xlink:to="loc_us-gaap_FinancialInstrumentAxis_7575d58f-e3ab-46d9-a14b-f85e40042f41" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7575d58f-e3ab-46d9-a14b-f85e40042f41_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_7575d58f-e3ab-46d9-a14b-f85e40042f41" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7575d58f-e3ab-46d9-a14b-f85e40042f41_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_7575d58f-e3ab-46d9-a14b-f85e40042f41" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_8e872645-7029-4680-b208-e53c46f15c6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_8e872645-7029-4680-b208-e53c46f15c6c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_8e35f04b-68a7-4a84-8d88-531b4d7ab74e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_8e35f04b-68a7-4a84-8d88-531b4d7ab74e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_06c7d5a2-86b6-4662-ad37-391ecb5ce068" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_06c7d5a2-86b6-4662-ad37-391ecb5ce068" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_c9521ab6-eaaf-4f7e-9f71-6a36b22bb96a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_c9521ab6-eaaf-4f7e-9f71-6a36b22bb96a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_44a315dd-8761-4ddc-83b6-5168d907c58c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_44a315dd-8761-4ddc-83b6-5168d907c58c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_84c64fa2-7c5a-4135-94bb-d0439c1ef32b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_84c64fa2-7c5a-4135-94bb-d0439c1ef32b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_0efdee53-a6f7-4cb4-8de8-01f4e85c0e79" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_0efdee53-a6f7-4cb4-8de8-01f4e85c0e79" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_c6631263-e492-49f7-a2aa-0caffb34bb9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_c6631263-e492-49f7-a2aa-0caffb34bb9f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_9b290031-8f1a-416a-8f4f-75f2fe36ba71" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_9b290031-8f1a-416a-8f4f-75f2fe36ba71" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_b8571b02-caa8-4618-b8c2-11a07f2a7d52" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_b8571b02-caa8-4618-b8c2-11a07f2a7d52" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_ac7070b9-8ec5-4bbf-9d89-ed1ee8305e1a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_b8571b02-caa8-4618-b8c2-11a07f2a7d52" xlink:to="loc_us-gaap_FinancialInstrumentAxis_ac7070b9-8ec5-4bbf-9d89-ed1ee8305e1a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ac7070b9-8ec5-4bbf-9d89-ed1ee8305e1a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ac7070b9-8ec5-4bbf-9d89-ed1ee8305e1a" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ac7070b9-8ec5-4bbf-9d89-ed1ee8305e1a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1e44fe2e-c9c8-495d-9102-f440a781f34b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ac7070b9-8ec5-4bbf-9d89-ed1ee8305e1a" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1e44fe2e-c9c8-495d-9102-f440a781f34b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_0588b343-43e6-4c9e-aae4-e5c56183f844" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1e44fe2e-c9c8-495d-9102-f440a781f34b" xlink:to="loc_us-gaap_DebtSecuritiesMember_0588b343-43e6-4c9e-aae4-e5c56183f844" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_a8ad05c2-4f6b-43ad-8f56-f42853dd93b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1e44fe2e-c9c8-495d-9102-f440a781f34b" xlink:to="loc_us-gaap_EquitySecuritiesMember_a8ad05c2-4f6b-43ad-8f56-f42853dd93b8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_6ef87b7c-fc1d-40e9-9da8-020a41f3af9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_b8571b02-caa8-4618-b8c2-11a07f2a7d52" xlink:to="loc_us-gaap_InvestmentTypeAxis_6ef87b7c-fc1d-40e9-9da8-020a41f3af9c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_6ef87b7c-fc1d-40e9-9da8-020a41f3af9c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InvestmentTypeAxis_6ef87b7c-fc1d-40e9-9da8-020a41f3af9c" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_6ef87b7c-fc1d-40e9-9da8-020a41f3af9c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InvestmentTypeAxis_6ef87b7c-fc1d-40e9-9da8-020a41f3af9c" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_9fa316f5-7e2a-4281-9dec-05e28aee0e05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_9fa316f5-7e2a-4281-9dec-05e28aee0e05" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_5b84f044-78ba-4ebc-a7e0-55d0ab05b77e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_5b84f044-78ba-4ebc-a7e0-55d0ab05b77e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_0a43b8e3-9bca-44b7-9e77-5f6a52ed1c0d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_0a43b8e3-9bca-44b7-9e77-5f6a52ed1c0d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PrivateLabelCMOsMember_03d26a6d-8113-479e-b530-af28dcddcb79" xlink:href="fbc-20231231.xsd#fbc_PrivateLabelCMOsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_fbc_PrivateLabelCMOsMember_03d26a6d-8113-479e-b530-af28dcddcb79" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_0d55d1ad-998d-411e-9b8a-0237cabc131c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_0d55d1ad-998d-411e-9b8a-0237cabc131c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_380a556f-90e4-4e99-8a26-b764a30561c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_380a556f-90e4-4e99-8a26-b764a30561c5" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_8deeef2a-b9eb-4bd3-934f-8239c2c35790" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_MunicipalBondsMember_8deeef2a-b9eb-4bd3-934f-8239c2c35790" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_35836546-c22a-4371-8eb8-3ebad230ae45" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_35836546-c22a-4371-8eb8-3ebad230ae45" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForeignNotesMember_58c4fa54-3e2b-4765-809f-c3550c9b055b" xlink:href="fbc-20231231.xsd#fbc_ForeignNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_fbc_ForeignNotesMember_58c4fa54-3e2b-4765-809f-c3550c9b055b" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNoteSecuritiesMember_8ed20cb2-9737-4ff7-bef6-1d8f9a357d49" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateNoteSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_CorporateNoteSecuritiesMember_8ed20cb2-9737-4ff7-bef6-1d8f9a357d49" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_0d3f7670-34ea-4df5-b2b3-050b4f268529" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_0d3f7670-34ea-4df5-b2b3-050b4f268529" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_f317ee18-5bd8-40e2-9e9c-cb52c6da3683" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_f317ee18-5bd8-40e2-9e9c-cb52c6da3683" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_9fb0e5ab-a1db-4ad1-b205-1666601db05e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_9fb0e5ab-a1db-4ad1-b205-1666601db05e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_b8e454d6-7bd3-4c0c-8066-7d16931ea95f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_b8e454d6-7bd3-4c0c-8066-7d16931ea95f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_97d2ad79-17eb-44a8-9880-ff0ec6205aba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_97d2ad79-17eb-44a8-9880-ff0ec6205aba" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_d6938f8a-da96-407a-8e74-6a90d097b1cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_d6938f8a-da96-407a-8e74-6a90d097b1cc" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesComponentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesComponentsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesComponentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_efd6259b-e28f-4df6-bdfb-124fb473aa9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_efd6259b-e28f-4df6-bdfb-124fb473aa9c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_8cd492cb-cc40-4680-b017-dfcc940f8898" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_efd6259b-e28f-4df6-bdfb-124fb473aa9c" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_8cd492cb-cc40-4680-b017-dfcc940f8898" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8cd492cb-cc40-4680-b017-dfcc940f8898_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_8cd492cb-cc40-4680-b017-dfcc940f8898" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8cd492cb-cc40-4680-b017-dfcc940f8898_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_94710d9e-57f7-4010-bde5-61f457326bb0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_8cd492cb-cc40-4680-b017-dfcc940f8898" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_94710d9e-57f7-4010-bde5-61f457326bb0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_80ae5971-292c-4636-b546-81f5b8b2560b" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_94710d9e-57f7-4010-bde5-61f457326bb0" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_80ae5971-292c-4636-b546-81f5b8b2560b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_72118fa6-9c1a-4221-b6d5-f754c1d4259e" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_94710d9e-57f7-4010-bde5-61f457326bb0" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_72118fa6-9c1a-4221-b6d5-f754c1d4259e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6176841d-d151-422a-9f4c-d35fc7c68168" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_efd6259b-e28f-4df6-bdfb-124fb473aa9c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6176841d-d151-422a-9f4c-d35fc7c68168" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6176841d-d151-422a-9f4c-d35fc7c68168_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6176841d-d151-422a-9f4c-d35fc7c68168" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_6176841d-d151-422a-9f4c-d35fc7c68168_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6176841d-d151-422a-9f4c-d35fc7c68168" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_6e36083c-1677-4f2b-9c51-ff7348f2a924" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_MultiFamilyLoanMember_6e36083c-1677-4f2b-9c51-ff7348f2a924" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_bd4d08c5-41e7-4062-97b4-e221285b22e9" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_CommercialRealEstateLoansMember_bd4d08c5-41e7-4062-97b4-e221285b22e9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_08984c23-c72a-4a14-ad9a-d787bb828574" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_08984c23-c72a-4a14-ad9a-d787bb828574" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_1c27e3b7-b96c-479b-afa1-13cddc2c7276" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_1c27e3b7-b96c-479b-afa1-13cddc2c7276" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_5cdc8b39-52ae-4b20-9d1e-857c66bc6d31" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_5cdc8b39-52ae-4b20-9d1e-857c66bc6d31" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LeaseFinancingLoansMember_6899fab0-5ffe-4485-b290-21de01dbea25" xlink:href="fbc-20231231.xsd#fbc_LeaseFinancingLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:to="loc_fbc_LeaseFinancingLoansMember_6899fab0-5ffe-4485-b290-21de01dbea25" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SpecialtyFinanceLoansAndLeasesMember_4442df35-8d46-4ebe-8610-e81e5a46070d" xlink:href="fbc-20231231.xsd#fbc_SpecialtyFinanceLoansAndLeasesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:to="loc_fbc_SpecialtyFinanceLoansAndLeasesMember_4442df35-8d46-4ebe-8610-e81e5a46070d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_bf1d3e2f-dd33-40f2-a677-31dc36059381" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_OtherLoanCommitmentsMember_bf1d3e2f-dd33-40f2-a677-31dc36059381" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_0f75be57-cd10-4d98-bed2-a3ea30174d98" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_0f75be57-cd10-4d98-bed2-a3ea30174d98" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_67993113-88c3-41c9-a828-549e60470bfb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_67993113-88c3-41c9-a828-549e60470bfb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_fc0d85b7-d9e1-4974-8de8-ddd4b9da1619" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_fc0d85b7-d9e1-4974-8de8-ddd4b9da1619" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_0f8bc866-1193-4417-bc16-708a561b569c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_0f8bc866-1193-4417-bc16-708a561b569c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_9e5e29f7-c8ca-40bb-a9a6-d481e180f139" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_9e5e29f7-c8ca-40bb-a9a6-d481e180f139" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_e706ba32-03f3-43a1-98b8-bc0f9e9edd3f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_e706ba32-03f3-43a1-98b8-bc0f9e9edd3f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount_58288d3b-811e-4f33-8c26-4f18b9ea9e09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount_58288d3b-811e-4f33-8c26-4f18b9ea9e09" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_aaf4a15b-0cd7-4098-8faf-643db0f7ff1b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_aaf4a15b-0cd7-4098-8faf-643db0f7ff1b" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_d74c5632-da18-400c-8e36-dbfc6ab236a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_aaf4a15b-0cd7-4098-8faf-643db0f7ff1b" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_d74c5632-da18-400c-8e36-dbfc6ab236a2" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54ecf585-cbf8-458e-bead-4ed80709e57f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54ecf585-cbf8-458e-bead-4ed80709e57f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_54ecf585-cbf8-458e-bead-4ed80709e57f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54ecf585-cbf8-458e-bead-4ed80709e57f" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_54ecf585-cbf8-458e-bead-4ed80709e57f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_559dbe2f-ffbb-4d51-84bc-05e1b03218c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54ecf585-cbf8-458e-bead-4ed80709e57f" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_559dbe2f-ffbb-4d51-84bc-05e1b03218c0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_c9429c1b-10ca-45c3-872a-58f399c1a6bc" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_559dbe2f-ffbb-4d51-84bc-05e1b03218c0" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_c9429c1b-10ca-45c3-872a-58f399c1a6bc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7d086a60-f9b1-437e-955c-4d1ebf6ec897" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7d086a60-f9b1-437e-955c-4d1ebf6ec897" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7d086a60-f9b1-437e-955c-4d1ebf6ec897_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7d086a60-f9b1-437e-955c-4d1ebf6ec897" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7d086a60-f9b1-437e-955c-4d1ebf6ec897_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aa781ad3-7668-484f-908e-9b0d01924c97" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7d086a60-f9b1-437e-955c-4d1ebf6ec897" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aa781ad3-7668-484f-908e-9b0d01924c97" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6339cec6-d354-448a-8534-15b549c3da29" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aa781ad3-7668-484f-908e-9b0d01924c97" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6339cec6-d354-448a-8534-15b549c3da29" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_ddc88dda-0e78-4893-8e0b-3e4c5991cc5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_ddc88dda-0e78-4893-8e0b-3e4c5991cc5e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_ddc88dda-0e78-4893-8e0b-3e4c5991cc5e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_ddc88dda-0e78-4893-8e0b-3e4c5991cc5e" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_ddc88dda-0e78-4893-8e0b-3e4c5991cc5e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_3d36270c-281d-4dfb-bb52-1acf9aea19be" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_ddc88dda-0e78-4893-8e0b-3e4c5991cc5e" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_3d36270c-281d-4dfb-bb52-1acf9aea19be" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_e95205cb-f5f2-4b95-927e-8e7aa33f768f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_3d36270c-281d-4dfb-bb52-1acf9aea19be" xlink:to="loc_us-gaap_ExtendedMaturityMember_e95205cb-f5f2-4b95-927e-8e7aa33f768f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_8281e5d5-01b9-487d-9611-5e5aa26e2045" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_3d36270c-281d-4dfb-bb52-1acf9aea19be" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_8281e5d5-01b9-487d-9611-5e5aa26e2045" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_356b8794-b709-4c1e-9a15-7c03fbbdd526" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_356b8794-b709-4c1e-9a15-7c03fbbdd526" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_356b8794-b709-4c1e-9a15-7c03fbbdd526_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_356b8794-b709-4c1e-9a15-7c03fbbdd526" xlink:to="loc_us-gaap_RelatedPartyDomain_356b8794-b709-4c1e-9a15-7c03fbbdd526_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_af65544c-30d8-447d-bcf4-82268e71063c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_356b8794-b709-4c1e-9a15-7c03fbbdd526" xlink:to="loc_us-gaap_RelatedPartyDomain_af65544c-30d8-447d-bcf4-82268e71063c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableWithGovernmentGuaranty_6b1d4bab-399d-4733-9dd8-39410652becd" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableWithGovernmentGuaranty"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_fbc_FinancingReceivableWithGovernmentGuaranty_6b1d4bab-399d-4733-9dd8-39410652becd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability_9d42b06a-ad91-4137-a227-d68bebc3b35c" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability_9d42b06a-ad91-4137-a227-d68bebc3b35c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeclosedAssets_ac229e10-1e12-4c6c-a7a2-e47be1ad4fa8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ForeclosedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_ForeclosedAssets_ac229e10-1e12-4c6c-a7a2-e47be1ad4fa8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_56343c4a-d458-4363-a1cf-50bd8e2ef4eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_56343c4a-d458-4363-a1cf-50bd8e2ef4eb" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableReclassificationToHeldForSale_e4d907ef-5a7c-4323-a523-5e33c3d695fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableReclassificationToHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableReclassificationToHeldForSale_e4d907ef-5a7c-4323-a523-5e33c3d695fb" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_46db25ad-082e-4c89-99ea-31d5d5ad7cc0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_46db25ad-082e-4c89-99ea-31d5d5ad7cc0" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_0397ccba-1f1b-45c6-84ed-ff571a7e2625" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_0397ccba-1f1b-45c6-84ed-ff571a7e2625" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_2887aa3c-65b4-46f0-91fc-022e01929f12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_2887aa3c-65b4-46f0-91fc-022e01929f12" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_7f50714a-bc2d-41d3-85ea-cf49caa6cbb9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_7f50714a-bc2d-41d3-85ea-cf49caa6cbb9" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_26785227-2870-4568-9d79-68622c021877" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_26785227-2870-4568-9d79-68622c021877" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesQualityofLoansHeldforInvestmentDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5aadb320-0b6e-4415-bbcf-8c2dd521b9e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5aadb320-0b6e-4415-bbcf-8c2dd521b9e5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_5aadb320-0b6e-4415-bbcf-8c2dd521b9e5_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5aadb320-0b6e-4415-bbcf-8c2dd521b9e5" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_5aadb320-0b6e-4415-bbcf-8c2dd521b9e5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6f821526-5a22-4dec-8b14-23a4e4f50c6f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5aadb320-0b6e-4415-bbcf-8c2dd521b9e5" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6f821526-5a22-4dec-8b14-23a4e4f50c6f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_e4f9fa51-b2c4-4a6c-b6d0-ea722c5fa87d" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6f821526-5a22-4dec-8b14-23a4e4f50c6f" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_e4f9fa51-b2c4-4a6c-b6d0-ea722c5fa87d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_4a87e02e-2516-4139-90e7-6ba4d07f7b73" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6f821526-5a22-4dec-8b14-23a4e4f50c6f" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_4a87e02e-2516-4139-90e7-6ba4d07f7b73" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9ea489e9-254b-4219-81c9-b04133d1a4f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9ea489e9-254b-4219-81c9-b04133d1a4f3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9ea489e9-254b-4219-81c9-b04133d1a4f3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9ea489e9-254b-4219-81c9-b04133d1a4f3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9ea489e9-254b-4219-81c9-b04133d1a4f3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9ea489e9-254b-4219-81c9-b04133d1a4f3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_5455cfc0-2a6b-44d0-ba81-2765e9eb441f" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_MultiFamilyLoanMember_5455cfc0-2a6b-44d0-ba81-2765e9eb441f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_e895e134-e33c-40c3-9f34-1805953242ef" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_CommercialRealEstateLoansMember_e895e134-e33c-40c3-9f34-1805953242ef" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_1f035501-2935-42d8-8cd5-cca2cff4a5cc" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_1f035501-2935-42d8-8cd5-cca2cff4a5cc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_a1f90ce2-89b2-48f5-baeb-96ca23f25d11" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_a1f90ce2-89b2-48f5-baeb-96ca23f25d11" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_61abafee-64d1-41dd-b812-ce5ded71f588" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_61abafee-64d1-41dd-b812-ce5ded71f588" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_3d119898-8f9b-4613-8536-6e11bdc002c8" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_OtherLoanCommitmentsMember_3d119898-8f9b-4613-8536-6e11bdc002c8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_f7248031-94d3-48de-b8b4-b12a8f4b3208" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_f7248031-94d3-48de-b8b4-b12a8f4b3208" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_f7248031-94d3-48de-b8b4-b12a8f4b3208_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_f7248031-94d3-48de-b8b4-b12a8f4b3208" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_f7248031-94d3-48de-b8b4-b12a8f4b3208_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_f7248031-94d3-48de-b8b4-b12a8f4b3208" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancialAsset30To89DaysPastDueMember_3523ea91-fd6a-442b-b4af-3337e9780e51" xlink:href="fbc-20231231.xsd#fbc_FinancialAsset30To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:to="loc_fbc_FinancialAsset30To89DaysPastDueMember_3523ea91-fd6a-442b-b4af-3337e9780e51" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_01f50fe4-5869-4039-812a-f2be2e7be7e7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_01f50fe4-5869-4039-812a-f2be2e7be7e7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_164f1961-1b27-4707-b006-424a622595d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_164f1961-1b27-4707-b006-424a622595d5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3197d7e4-6b4a-4900-9e31-f31b3b2de210" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3197d7e4-6b4a-4900-9e31-f31b3b2de210" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_3197d7e4-6b4a-4900-9e31-f31b3b2de210_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3197d7e4-6b4a-4900-9e31-f31b3b2de210" xlink:to="loc_us-gaap_RelatedPartyDomain_3197d7e4-6b4a-4900-9e31-f31b3b2de210_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_3b618097-4dfa-46ce-9b9f-bbf611ece666" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3197d7e4-6b4a-4900-9e31-f31b3b2de210" xlink:to="loc_us-gaap_RelatedPartyDomain_3b618097-4dfa-46ce-9b9f-bbf611ece666" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OfficersAndDirectorsMember_d2f76e2f-35e9-4097-882f-59ad351512cd" xlink:href="fbc-20231231.xsd#fbc_OfficersAndDirectorsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyDomain_3b618097-4dfa-46ce-9b9f-bbf611ece666" xlink:to="loc_fbc_OfficersAndDirectorsMember_d2f76e2f-35e9-4097-882f-59ad351512cd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_8727eeaa-fc8b-402b-b85f-5f01cb264ae3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_8727eeaa-fc8b-402b-b85f-5f01cb264ae3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_3b7242ed-ffd2-44cb-865e-28db4ee07b1f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_3b7242ed-ffd2-44cb-865e-28db4ee07b1f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_73680beb-769c-401c-98d1-5bac0260e117" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_73680beb-769c-401c-98d1-5bac0260e117" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_a717ad42-6a59-4dd4-9b3b-9cc4083ac1b9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_a717ad42-6a59-4dd4-9b3b-9cc4083ac1b9" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_663ed95a-5ff1-4a3f-b6d5-574b471bf012" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_663ed95a-5ff1-4a3f-b6d5-574b471bf012" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_663ed95a-5ff1-4a3f-b6d5-574b471bf012_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_663ed95a-5ff1-4a3f-b6d5-574b471bf012" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_663ed95a-5ff1-4a3f-b6d5-574b471bf012_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8a42b2f8-e7f6-4684-8058-2cd6e185e936" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_663ed95a-5ff1-4a3f-b6d5-574b471bf012" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8a42b2f8-e7f6-4684-8058-2cd6e185e936" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_8eb65200-a705-4197-8714-1de6494ebb70" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8a42b2f8-e7f6-4684-8058-2cd6e185e936" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_8eb65200-a705-4197-8714-1de6494ebb70" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_a1508ae0-37a3-4060-84d7-727d18fa536e" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8a42b2f8-e7f6-4684-8058-2cd6e185e936" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_a1508ae0-37a3-4060-84d7-727d18fa536e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d19f241a-2d0f-46f4-8794-ee2a0e038f9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d19f241a-2d0f-46f4-8794-ee2a0e038f9f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d19f241a-2d0f-46f4-8794-ee2a0e038f9f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d19f241a-2d0f-46f4-8794-ee2a0e038f9f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d19f241a-2d0f-46f4-8794-ee2a0e038f9f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d19f241a-2d0f-46f4-8794-ee2a0e038f9f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_349e290f-d539-4117-a9de-7a388491fb5a" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_MultiFamilyLoanMember_349e290f-d539-4117-a9de-7a388491fb5a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_6959eab1-ec85-47d2-b3df-de4a20b90197" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_CommercialRealEstateLoansMember_6959eab1-ec85-47d2-b3df-de4a20b90197" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_2d67f301-e7d5-4e35-bbf8-4e1879dba947" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_2d67f301-e7d5-4e35-bbf8-4e1879dba947" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_5f759d4d-a43c-4952-8dba-14f5f1c44373" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_5f759d4d-a43c-4952-8dba-14f5f1c44373" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_19c07526-3f8f-476b-87c4-c222ba75970c" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_19c07526-3f8f-476b-87c4-c222ba75970c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_3e5cbff4-e39a-49b1-8474-48a1de467499" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_OtherLoanCommitmentsMember_3e5cbff4-e39a-49b1-8474-48a1de467499" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_8efc0c0e-d9ea-4179-9666-37c70d1ad24f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_8efc0c0e-d9ea-4179-9666-37c70d1ad24f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_8efc0c0e-d9ea-4179-9666-37c70d1ad24f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_8efc0c0e-d9ea-4179-9666-37c70d1ad24f" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_8efc0c0e-d9ea-4179-9666-37c70d1ad24f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_8efc0c0e-d9ea-4179-9666-37c70d1ad24f" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PassMember_21a7833a-38ee-468a-98f5-8e93341ad6f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PassMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:to="loc_us-gaap_PassMember_21a7833a-38ee-468a-98f5-8e93341ad6f5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SpecialMentionMember_fa50cdbd-9b6f-425b-9fcd-6453a89e1ab4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SpecialMentionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:to="loc_us-gaap_SpecialMentionMember_fa50cdbd-9b6f-425b-9fcd-6453a89e1ab4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubstandardMember_3d18859e-28a2-41d8-805e-d28101797071" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubstandardMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:to="loc_us-gaap_SubstandardMember_3d18859e-28a2-41d8-805e-d28101797071" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DoubtfulMember_4d7de7f1-fd33-42a4-9f0e-4dde04738cb2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DoubtfulMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:to="loc_us-gaap_DoubtfulMember_4d7de7f1-fd33-42a4-9f0e-4dde04738cb2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_3695d34d-9bb6-4771-82e7-fd46bb1b2ef5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_a717ad42-6a59-4dd4-9b3b-9cc4083ac1b9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_3695d34d-9bb6-4771-82e7-fd46bb1b2ef5" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_c1734ca7-dceb-4dd0-b252-d03607ff16e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_c1734ca7-dceb-4dd0-b252-d03607ff16e0" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a3dbdddb-a25a-4bc8-afe8-a7ce073f4a24" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a3dbdddb-a25a-4bc8-afe8-a7ce073f4a24" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a3dbdddb-a25a-4bc8-afe8-a7ce073f4a24_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a3dbdddb-a25a-4bc8-afe8-a7ce073f4a24" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a3dbdddb-a25a-4bc8-afe8-a7ce073f4a24_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b252169a-ae54-435d-8fd8-9f384191003f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a3dbdddb-a25a-4bc8-afe8-a7ce073f4a24" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b252169a-ae54-435d-8fd8-9f384191003f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_abd5263c-44d4-49d9-a397-9951c33e24a6" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b252169a-ae54-435d-8fd8-9f384191003f" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_abd5263c-44d4-49d9-a397-9951c33e24a6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_fed9a26f-de2f-497d-9c7a-fdeae37d4ae9" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b252169a-ae54-435d-8fd8-9f384191003f" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_fed9a26f-de2f-497d-9c7a-fdeae37d4ae9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ac62a2e2-9a0c-47d1-8cad-c0c39f90039a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ac62a2e2-9a0c-47d1-8cad-c0c39f90039a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ac62a2e2-9a0c-47d1-8cad-c0c39f90039a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ac62a2e2-9a0c-47d1-8cad-c0c39f90039a" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ac62a2e2-9a0c-47d1-8cad-c0c39f90039a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ac62a2e2-9a0c-47d1-8cad-c0c39f90039a" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_4fc53644-7704-49cd-9205-07e001c01d62" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_MultiFamilyLoanMember_4fc53644-7704-49cd-9205-07e001c01d62" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_636c584a-ce08-438b-8eda-a4e67060e90a" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_CommercialRealEstateLoansMember_636c584a-ce08-438b-8eda-a4e67060e90a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6b6d2077-ab36-4b0b-9cdb-e8f28c54ebe8" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6b6d2077-ab36-4b0b-9cdb-e8f28c54ebe8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_7736d367-eb0b-4767-9f87-8f5d8c40e90e" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_7736d367-eb0b-4767-9f87-8f5d8c40e90e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_40c7cd30-5992-47c5-9420-db4acf3a51f5" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_40c7cd30-5992-47c5-9420-db4acf3a51f5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_e25bd0b4-23e5-4843-b32e-59c71767f6fe" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_OtherLoanCommitmentsMember_e25bd0b4-23e5-4843-b32e-59c71767f6fe" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_68bbb4af-a23d-4093-9cf9-3b26af0c4427" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_68bbb4af-a23d-4093-9cf9-3b26af0c4427" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_68bbb4af-a23d-4093-9cf9-3b26af0c4427_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_68bbb4af-a23d-4093-9cf9-3b26af0c4427" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_68bbb4af-a23d-4093-9cf9-3b26af0c4427_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_68bbb4af-a23d-4093-9cf9-3b26af0c4427" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PassMember_f1c6dd16-2628-44f2-be32-100011beb200" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PassMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:to="loc_us-gaap_PassMember_f1c6dd16-2628-44f2-be32-100011beb200" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SpecialMentionMember_4cf90984-da88-417f-8011-8f53f8807d17" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SpecialMentionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:to="loc_us-gaap_SpecialMentionMember_4cf90984-da88-417f-8011-8f53f8807d17" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubstandardMember_f01c9c2f-15eb-47c0-a7ce-ace782f76228" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubstandardMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:to="loc_us-gaap_SubstandardMember_f01c9c2f-15eb-47c0-a7ce-ace782f76228" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DoubtfulMember_8c62afb3-38cb-4c07-aa64-3cb800ffeba6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DoubtfulMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:to="loc_us-gaap_DoubtfulMember_8c62afb3-38cb-4c07-aa64-3cb800ffeba6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_c1734ca7-dceb-4dd0-b252-d03607ff16e0" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_edcafd47-4681-475b-8a72-bffddf994a88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_edcafd47-4681-475b-8a72-bffddf994a88" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_2654bff6-66ab-489f-98a7-524abbddb6e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_2654bff6-66ab-489f-98a7-524abbddb6e4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_1f31a0f0-2adb-4e56-9023-fc0a68db8c55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_1f31a0f0-2adb-4e56-9023-fc0a68db8c55" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_8bc63298-a157-4b85-8add-a989f6a838a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_8bc63298-a157-4b85-8add-a989f6a838a8" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c0186a00-1259-40eb-9ef5-fda33bfd0d68" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c0186a00-1259-40eb-9ef5-fda33bfd0d68" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_37bc761e-7e33-4790-b090-546df69187f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_37bc761e-7e33-4790-b090-546df69187f0" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_4115f088-d840-4ac1-be4d-ffc6f94bd0d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_4115f088-d840-4ac1-be4d-ffc6f94bd0d1" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_af9038f7-085e-4b79-b692-15dd4d3966e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_af9038f7-085e-4b79-b692-15dd4d3966e8" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_d1db4c5a-cdc2-4e38-bfee-0d51d352cfad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_d1db4c5a-cdc2-4e38-bfee-0d51d352cfad" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_c1734ca7-dceb-4dd0-b252-d03607ff16e0" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_aa1f02f8-3ce9-40e7-bd51-bb82ceea4ee9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_aa1f02f8-3ce9-40e7-bd51-bb82ceea4ee9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_62a19591-d1ec-4832-afbc-f9d110adcacd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_62a19591-d1ec-4832-afbc-f9d110adcacd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_eb8a9204-80eb-4ff1-b25f-e09707c62414" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_eb8a9204-80eb-4ff1-b25f-e09707c62414" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_a75baef0-af9d-4205-be62-bed17908e028" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_a75baef0-af9d-4205-be62-bed17908e028" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_f0eb2095-b773-4c82-9ea1-6d877f742d13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_f0eb2095-b773-4c82-9ea1-6d877f742d13" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_9114b854-6443-4c43-afad-2187161644ce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_9114b854-6443-4c43-afad-2187161644ce" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_5fba13ab-737c-429c-aed0-c403966d948f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_5fba13ab-737c-429c-aed0-c403966d948f" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_11cf8b66-273b-4604-b9c7-ff96996cb8b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_11cf8b66-273b-4604-b9c7-ff96996cb8b3" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_eda578c7-ccfa-4935-b21a-4eb7134114cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_eda578c7-ccfa-4935-b21a-4eb7134114cb" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesCollateralDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesCollateralDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesCollateralDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_041ceb00-1374-4c93-8912-2ff181bf0b0b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_041ceb00-1374-4c93-8912-2ff181bf0b0b" xlink:to="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_4660b828-c2cf-428c-bb6a-ffbec4e426e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:to="loc_us-gaap_CollateralAxis_4660b828-c2cf-428c-bb6a-ffbec4e426e4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_4660b828-c2cf-428c-bb6a-ffbec4e426e4_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CollateralAxis_4660b828-c2cf-428c-bb6a-ffbec4e426e4" xlink:to="loc_us-gaap_CollateralDomain_4660b828-c2cf-428c-bb6a-ffbec4e426e4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_47eec13e-5ea7-4bf1-ac2b-443d0a493ecd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CollateralAxis_4660b828-c2cf-428c-bb6a-ffbec4e426e4" xlink:to="loc_us-gaap_CollateralDomain_47eec13e-5ea7-4bf1-ac2b-443d0a493ecd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RealPropertyCollateralMember_09c15d06-6790-4dc0-a47d-52613a7ad7aa" xlink:href="fbc-20231231.xsd#fbc_RealPropertyCollateralMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_47eec13e-5ea7-4bf1-ac2b-443d0a493ecd" xlink:to="loc_fbc_RealPropertyCollateralMember_09c15d06-6790-4dc0-a47d-52613a7ad7aa" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherCollateralMember_ec3f847a-19c8-4588-a51f-9f46f4c28201" xlink:href="fbc-20231231.xsd#fbc_OtherCollateralMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_47eec13e-5ea7-4bf1-ac2b-443d0a493ecd" xlink:to="loc_fbc_OtherCollateralMember_ec3f847a-19c8-4588-a51f-9f46f4c28201" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_576bfb7c-e401-404f-9f26-1f47dfa0fdc6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_576bfb7c-e401-404f-9f26-1f47dfa0fdc6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_576bfb7c-e401-404f-9f26-1f47dfa0fdc6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_576bfb7c-e401-404f-9f26-1f47dfa0fdc6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_576bfb7c-e401-404f-9f26-1f47dfa0fdc6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee11d4e6-ed74-4c67-94d8-93b282ecac2c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_576bfb7c-e401-404f-9f26-1f47dfa0fdc6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee11d4e6-ed74-4c67-94d8-93b282ecac2c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_c426a504-e9db-484f-9ca3-a673e883efc6" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee11d4e6-ed74-4c67-94d8-93b282ecac2c" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_c426a504-e9db-484f-9ca3-a673e883efc6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_c1587451-fb61-47db-b42c-5672860b63b4" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee11d4e6-ed74-4c67-94d8-93b282ecac2c" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_c1587451-fb61-47db-b42c-5672860b63b4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2974dcd4-c6a8-448a-890f-dc2f0d421ce0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2974dcd4-c6a8-448a-890f-dc2f0d421ce0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2974dcd4-c6a8-448a-890f-dc2f0d421ce0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2974dcd4-c6a8-448a-890f-dc2f0d421ce0" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2974dcd4-c6a8-448a-890f-dc2f0d421ce0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2974dcd4-c6a8-448a-890f-dc2f0d421ce0" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_e6aaa183-410e-4af0-8ae0-48e17700a297" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_MultiFamilyLoanMember_e6aaa183-410e-4af0-8ae0-48e17700a297" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_d0ab5992-a575-4b8c-91f6-2e9378a90478" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_CommercialRealEstateLoansMember_d0ab5992-a575-4b8c-91f6-2e9378a90478" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_62150cba-95df-4885-940c-8f4c40411503" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_62150cba-95df-4885-940c-8f4c40411503" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_1f3773b1-178a-4123-a286-32252d3b6b35" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_1f3773b1-178a-4123-a286-32252d3b6b35" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_b4c98d62-b670-4b2a-a200-b7e8906c0cd1" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_OtherLoanCommitmentsMember_b4c98d62-b670-4b2a-a200-b7e8906c0cd1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_eb0989cf-8de1-4c7c-b286-666553fb5189" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PledgedStatusAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:to="loc_us-gaap_PledgedStatusAxis_eb0989cf-8de1-4c7c-b286-666553fb5189" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_eb0989cf-8de1-4c7c-b286-666553fb5189_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PledgedStatusAxis_eb0989cf-8de1-4c7c-b286-666553fb5189" xlink:to="loc_us-gaap_PledgedStatusDomain_eb0989cf-8de1-4c7c-b286-666553fb5189_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_a2e51db1-cf07-4b52-8fd5-cd6bf27360a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PledgedStatusAxis_eb0989cf-8de1-4c7c-b286-666553fb5189" xlink:to="loc_us-gaap_PledgedStatusDomain_a2e51db1-cf07-4b52-8fd5-cd6bf27360a1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_dd6328e7-039e-41ce-b2e7-614a3f9a0b31" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgedStatusDomain_a2e51db1-cf07-4b52-8fd5-cd6bf27360a1" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_dd6328e7-039e-41ce-b2e7-614a3f9a0b31" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_cbf24117-6e2c-4eac-9795-3dd9dba27981" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_041ceb00-1374-4c93-8912-2ff181bf0b0b" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_cbf24117-6e2c-4eac-9795-3dd9dba27981" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesLoanModificationsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_5d0cd3e8-c66d-4f50-b66d-7e05f0ee20e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_5d0cd3e8-c66d-4f50-b66d-7e05f0ee20e8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_5d0cd3e8-c66d-4f50-b66d-7e05f0ee20e8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_5d0cd3e8-c66d-4f50-b66d-7e05f0ee20e8" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_5d0cd3e8-c66d-4f50-b66d-7e05f0ee20e8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_5d0cd3e8-c66d-4f50-b66d-7e05f0ee20e8" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualInterestRateReductionMember_b0b1c5c0-e64b-4dc9-8f65-ecfa859c12f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ContractualInterestRateReductionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:to="loc_us-gaap_ContractualInterestRateReductionMember_b0b1c5c0-e64b-4dc9-8f65-ecfa859c12f8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_8ca4579a-4d41-40f0-bb3e-3c3945953e40" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:to="loc_us-gaap_ExtendedMaturityMember_8ca4579a-4d41-40f0-bb3e-3c3945953e40" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_fd9c285f-2a9f-457e-9482-1a71922a33a5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_fd9c285f-2a9f-457e-9482-1a71922a33a5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7b2f8597-6b54-4a8e-881c-9b407c093836" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7b2f8597-6b54-4a8e-881c-9b407c093836" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7b2f8597-6b54-4a8e-881c-9b407c093836_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7b2f8597-6b54-4a8e-881c-9b407c093836" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7b2f8597-6b54-4a8e-881c-9b407c093836_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_949646d2-686a-4a9c-bd53-8bef1748ea09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7b2f8597-6b54-4a8e-881c-9b407c093836" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_949646d2-686a-4a9c-bd53-8bef1748ea09" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_e1946559-1812-47ae-ad5b-3a76ba3fc4b7" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_949646d2-686a-4a9c-bd53-8bef1748ea09" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_e1946559-1812-47ae-ad5b-3a76ba3fc4b7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_bf3bcff1-796b-436a-a312-59faa8e9eddf" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_949646d2-686a-4a9c-bd53-8bef1748ea09" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_bf3bcff1-796b-436a-a312-59faa8e9eddf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8a405a0d-45bc-458f-bba7-41230ac00688" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8a405a0d-45bc-458f-bba7-41230ac00688" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8a405a0d-45bc-458f-bba7-41230ac00688_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8a405a0d-45bc-458f-bba7-41230ac00688" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8a405a0d-45bc-458f-bba7-41230ac00688_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8a405a0d-45bc-458f-bba7-41230ac00688" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_ed565d7a-4ce6-4a9d-81c5-894a7aa42e43" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_MultiFamilyLoanMember_ed565d7a-4ce6-4a9d-81c5-894a7aa42e43" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_d275aab9-1a39-496e-adb8-843500dabb94" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_CommercialRealEstateLoansMember_d275aab9-1a39-496e-adb8-843500dabb94" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_0d376bd6-9343-439f-94d6-604fbf98cb86" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_0d376bd6-9343-439f-94d6-604fbf98cb86" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_a20e8357-b84b-423b-8046-4b597a316ea7" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_a20e8357-b84b-423b-8046-4b597a316ea7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_4d36de4b-3e79-4e44-81d1-507479c1005b" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_OtherLoanCommitmentsMember_4d36de4b-3e79-4e44-81d1-507479c1005b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_1869d372-6752-492f-82b2-2d0bffb2310e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:to="loc_srt_RangeAxis_1869d372-6752-492f-82b2-2d0bffb2310e" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_1869d372-6752-492f-82b2-2d0bffb2310e_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_1869d372-6752-492f-82b2-2d0bffb2310e" xlink:to="loc_srt_RangeMember_1869d372-6752-492f-82b2-2d0bffb2310e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_38fddaad-1083-49a7-bf18-eabcd96b9e6c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_1869d372-6752-492f-82b2-2d0bffb2310e" xlink:to="loc_srt_RangeMember_38fddaad-1083-49a7-bf18-eabcd96b9e6c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_21bfd3b9-cf6c-4dfa-afb5-7e40867d7bd1" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_38fddaad-1083-49a7-bf18-eabcd96b9e6c" xlink:to="loc_srt_MinimumMember_21bfd3b9-cf6c-4dfa-afb5-7e40867d7bd1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_418e0b73-ac0b-464a-a869-27d149bd003b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_38fddaad-1083-49a7-bf18-eabcd96b9e6c" xlink:to="loc_srt_MaximumMember_418e0b73-ac0b-464a-a869-27d149bd003b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_5b5b1aca-1e9c-44a4-a532-70f6cf58b7a3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_5b5b1aca-1e9c-44a4-a532-70f6cf58b7a3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_07652a06-138a-43cb-ae44-3f489c0d3f7b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:to="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_07652a06-138a-43cb-ae44-3f489c0d3f7b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_6b8b9075-33bf-494a-835e-d84ad1a0f877" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_6b8b9075-33bf-494a-835e-d84ad1a0f877" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_998a6d70-48b0-4ae4-8685-cbef3a6d7f03" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_998a6d70-48b0-4ae4-8685-cbef3a6d7f03" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_349a4292-5a96-4a6d-9d90-6ed17f73815f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_349a4292-5a96-4a6d-9d90-6ed17f73815f" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f15735df-40c0-40da-9d41-be04a7b92818" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f15735df-40c0-40da-9d41-be04a7b92818" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f15735df-40c0-40da-9d41-be04a7b92818_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f15735df-40c0-40da-9d41-be04a7b92818" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f15735df-40c0-40da-9d41-be04a7b92818_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_83e24832-1eea-4392-a167-54cc2597b487" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f15735df-40c0-40da-9d41-be04a7b92818" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_83e24832-1eea-4392-a167-54cc2597b487" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_b56799ed-8fb8-4294-836f-f56e71a1ec8a" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_83e24832-1eea-4392-a167-54cc2597b487" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_b56799ed-8fb8-4294-836f-f56e71a1ec8a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_846ae777-1da2-4057-9f64-2495e6cc7edd" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_83e24832-1eea-4392-a167-54cc2597b487" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_846ae777-1da2-4057-9f64-2495e6cc7edd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_75cd48a3-1590-4858-9adc-1d7d61935659" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_75cd48a3-1590-4858-9adc-1d7d61935659" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_75cd48a3-1590-4858-9adc-1d7d61935659_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_75cd48a3-1590-4858-9adc-1d7d61935659" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_75cd48a3-1590-4858-9adc-1d7d61935659_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_75cd48a3-1590-4858-9adc-1d7d61935659" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_d3e1c765-c770-4aa5-b6c6-e688f2e49417" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_d3e1c765-c770-4aa5-b6c6-e688f2e49417" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_9abde01a-a8b5-4058-a214-6edccea00c4a" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_9abde01a-a8b5-4058-a214-6edccea00c4a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_bc64a22a-f75f-4435-a06a-253b01f658e1" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:to="loc_fbc_OtherLoanCommitmentsMember_bc64a22a-f75f-4435-a06a-253b01f658e1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_648b9ebf-c4e7-451e-862d-e306382a4aa8" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:to="loc_fbc_CommercialRealEstateLoansMember_648b9ebf-c4e7-451e-862d-e306382a4aa8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e20adbd2-0942-4959-a4ae-a5263d6d7355" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e20adbd2-0942-4959-a4ae-a5263d6d7355" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_e20adbd2-0942-4959-a4ae-a5263d6d7355_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e20adbd2-0942-4959-a4ae-a5263d6d7355" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_e20adbd2-0942-4959-a4ae-a5263d6d7355_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e20adbd2-0942-4959-a4ae-a5263d6d7355" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_fb37c577-3122-4f84-be31-19ca0bad7302" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_fb37c577-3122-4f84-be31-19ca0bad7302" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancialAsset30To89DaysPastDueMember_e355d118-0965-4530-a5bf-2eaa245fe716" xlink:href="fbc-20231231.xsd#fbc_FinancialAsset30To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:to="loc_fbc_FinancialAsset30To89DaysPastDueMember_e355d118-0965-4530-a5bf-2eaa245fe716" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_40e742cf-0011-46fc-bc7a-35d5a3c21305" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_40e742cf-0011-46fc-bc7a-35d5a3c21305" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_eb404ace-f243-47a3-843a-d940ef3372d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_349a4292-5a96-4a6d-9d90-6ed17f73815f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_eb404ace-f243-47a3-843a-d940ef3372d9" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesTDRsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesTDRsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesTDRsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_a2e7ed24-0064-4b90-9fb8-dadd5c31d257" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_a2e7ed24-0064-4b90-9fb8-dadd5c31d257" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_373d76ae-f1f1-4cd6-b9af-e8128b85bc40" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_a2e7ed24-0064-4b90-9fb8-dadd5c31d257" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_373d76ae-f1f1-4cd6-b9af-e8128b85bc40" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_373d76ae-f1f1-4cd6-b9af-e8128b85bc40_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_373d76ae-f1f1-4cd6-b9af-e8128b85bc40" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_373d76ae-f1f1-4cd6-b9af-e8128b85bc40_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_907548d6-4392-4798-b434-df3b760e3747" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_373d76ae-f1f1-4cd6-b9af-e8128b85bc40" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_907548d6-4392-4798-b434-df3b760e3747" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_c3a78681-3f8f-45cf-9803-0ba27c3364e6" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_907548d6-4392-4798-b434-df3b760e3747" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_c3a78681-3f8f-45cf-9803-0ba27c3364e6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_0b3dc39f-9c56-4189-b5ea-cccf328a3ac2" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_907548d6-4392-4798-b434-df3b760e3747" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_0b3dc39f-9c56-4189-b5ea-cccf328a3ac2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ddda7ab6-a83d-4d84-a683-ff823860091f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_a2e7ed24-0064-4b90-9fb8-dadd5c31d257" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ddda7ab6-a83d-4d84-a683-ff823860091f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ddda7ab6-a83d-4d84-a683-ff823860091f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ddda7ab6-a83d-4d84-a683-ff823860091f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ddda7ab6-a83d-4d84-a683-ff823860091f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ddda7ab6-a83d-4d84-a683-ff823860091f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_c78ad191-e848-48fb-8384-45a2caf5b0b9" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_MultiFamilyLoanMember_c78ad191-e848-48fb-8384-45a2caf5b0b9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_9badac35-f266-4cce-b3e2-9249613d6cea" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_CommercialRealEstateLoansMember_9badac35-f266-4cce-b3e2-9249613d6cea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_ba1d8796-a29f-49a7-a589-be5827fccaef" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_ba1d8796-a29f-49a7-a589-be5827fccaef" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6db3bb90-3f4a-4fad-ba0a-f619e0248f38" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6db3bb90-3f4a-4fad-ba0a-f619e0248f38" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_e0929122-5f1d-47e4-adba-389a3004e005" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_OtherLoanCommitmentsMember_e0929122-5f1d-47e4-adba-389a3004e005" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing_69d133eb-0ecf-4e9b-a88e-93ec3583e484" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:to="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing_69d133eb-0ecf-4e9b-a88e-93ec3583e484" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual_04746560-e9da-4f9f-8a1f-55f8f1b9a394" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:to="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual_04746560-e9da-4f9f-8a1f-55f8f1b9a394" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_25b0ed40-9ef4-4fc1-a5a4-736f6b50da78" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_25b0ed40-9ef4-4fc1-a5a4-736f6b50da78" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesFinancialEffectofTDRsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_0e4ee133-f1ea-40a5-8638-7f410e4d7588" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_0e4ee133-f1ea-40a5-8638-7f410e4d7588" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_c86bdf28-a68c-4934-81f9-1f6ededb6df7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_0e4ee133-f1ea-40a5-8638-7f410e4d7588" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_c86bdf28-a68c-4934-81f9-1f6ededb6df7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c86bdf28-a68c-4934-81f9-1f6ededb6df7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_c86bdf28-a68c-4934-81f9-1f6ededb6df7" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c86bdf28-a68c-4934-81f9-1f6ededb6df7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f3001885-4a1b-4fb8-9a1f-f0405a439c00" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_c86bdf28-a68c-4934-81f9-1f6ededb6df7" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f3001885-4a1b-4fb8-9a1f-f0405a439c00" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_815fd950-1206-4c82-8595-416f63938e0e" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f3001885-4a1b-4fb8-9a1f-f0405a439c00" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_815fd950-1206-4c82-8595-416f63938e0e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c8da1b8-29a7-43c0-9c2e-043f79f062d7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_0e4ee133-f1ea-40a5-8638-7f410e4d7588" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c8da1b8-29a7-43c0-9c2e-043f79f062d7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4c8da1b8-29a7-43c0-9c2e-043f79f062d7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c8da1b8-29a7-43c0-9c2e-043f79f062d7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4c8da1b8-29a7-43c0-9c2e-043f79f062d7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d4c29467-f7fd-49a2-b7f4-3d258dde146b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c8da1b8-29a7-43c0-9c2e-043f79f062d7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d4c29467-f7fd-49a2-b7f4-3d258dde146b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_edde1b91-c1ba-4bf1-a87e-0580490e6516" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d4c29467-f7fd-49a2-b7f4-3d258dde146b" xlink:to="loc_fbc_CommercialRealEstateLoansMember_edde1b91-c1ba-4bf1-a87e-0580490e6516" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2_dfbc0cc0-8f3e-4695-ac34-242da7d5d3b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2_dfbc0cc0-8f3e-4695-ac34-242da7d5d3b8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_904b1042-6281-436c-b3f7-7e74b963bc88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_904b1042-6281-436c-b3f7-7e74b963bc88" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_23b5c119-4c79-40a8-abea-d453d37de45e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_23b5c119-4c79-40a8-abea-d453d37de45e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification_77cd44af-fcf4-4d87-b803-1e5888dbd7f7" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification_77cd44af-fcf4-4d87-b803-1e5888dbd7f7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification_2074774a-a745-460a-b646-8d06b11785b0" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification_2074774a-a745-460a-b646-8d06b11785b0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown_99c43346-3da2-4a09-8933-abeaf9a4b538" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown_99c43346-3da2-4a09-8933-abeaf9a4b538" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest_3e5d2358-1a54-41d1-93e9-a60683d09c51" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest_3e5d2358-1a54-41d1-93e9-a60683d09c51" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_25c21711-548b-4411-add6-c4cdd424313e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_dcfc63e7-a520-40b6-b271-a47c3875f89d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_25c21711-548b-4411-add6-c4cdd424313e" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_dcfc63e7-a520-40b6-b271-a47c3875f89d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_248fad76-13cb-49cd-8dff-4b8dbe4662fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_dcfc63e7-a520-40b6-b271-a47c3875f89d" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_248fad76-13cb-49cd-8dff-4b8dbe4662fc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_248fad76-13cb-49cd-8dff-4b8dbe4662fc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_248fad76-13cb-49cd-8dff-4b8dbe4662fc" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_248fad76-13cb-49cd-8dff-4b8dbe4662fc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_502600a6-9e47-4f2f-ba12-0ce7cbdaa7b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_248fad76-13cb-49cd-8dff-4b8dbe4662fc" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_502600a6-9e47-4f2f-ba12-0ce7cbdaa7b1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_218c5a1c-dde3-457c-99a0-b1ee8bc05af5" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_502600a6-9e47-4f2f-ba12-0ce7cbdaa7b1" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_218c5a1c-dde3-457c-99a0-b1ee8bc05af5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_e35695a5-85e6-45a4-aff7-f72a9ee43611" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_502600a6-9e47-4f2f-ba12-0ce7cbdaa7b1" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_e35695a5-85e6-45a4-aff7-f72a9ee43611" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_25c21711-548b-4411-add6-c4cdd424313e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f0bbc4bd-2b09-44e1-b2a3-4a5b1555e6f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f0bbc4bd-2b09-44e1-b2a3-4a5b1555e6f1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_9814e33f-e0d7-43b9-a746-1baf0669655a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_9814e33f-e0d7-43b9-a746-1baf0669655a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_9650db8a-5bf1-440e-9cac-78059aa63982" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_9650db8a-5bf1-440e-9cac-78059aa63982" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_e29f5fcc-293e-4e71-b574-331f6d0b01ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_e29f5fcc-293e-4e71-b574-331f6d0b01ef" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_67ab93ff-c5f0-4481-b620-f55b685399ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_67ab93ff-c5f0-4481-b620-f55b685399ef" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f98fb30c-5c33-41a3-a870-aca452cd5623" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#AllowanceforCreditLossesonLoansandLeasesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_b6f08f6a-3c07-4bc4-9d6b-f4e6019aa7e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_0ebd19d7-9a44-430b-b031-0964ff1a0d14" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_b6f08f6a-3c07-4bc4-9d6b-f4e6019aa7e2" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_0ebd19d7-9a44-430b-b031-0964ff1a0d14" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ef80da45-a092-480b-a180-1a96a2c7fbcd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_0ebd19d7-9a44-430b-b031-0964ff1a0d14" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ef80da45-a092-480b-a180-1a96a2c7fbcd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ef80da45-a092-480b-a180-1a96a2c7fbcd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ef80da45-a092-480b-a180-1a96a2c7fbcd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ef80da45-a092-480b-a180-1a96a2c7fbcd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8b5136fe-0855-4342-8664-e21ffb24747d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ef80da45-a092-480b-a180-1a96a2c7fbcd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8b5136fe-0855-4342-8664-e21ffb24747d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember_ca0c837a-912b-4128-9cf7-07dfb1cf297b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8b5136fe-0855-4342-8664-e21ffb24747d" xlink:to="loc_us-gaap_UnfundedLoanCommitmentMember_ca0c837a-912b-4128-9cf7-07dfb1cf297b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_e43ed674-40c8-4172-9292-f8973d1d8a74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_0ebd19d7-9a44-430b-b031-0964ff1a0d14" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_e43ed674-40c8-4172-9292-f8973d1d8a74" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_e43ed674-40c8-4172-9292-f8973d1d8a74_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_e43ed674-40c8-4172-9292-f8973d1d8a74" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_e43ed674-40c8-4172-9292-f8973d1d8a74_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_22c95821-2ded-49dd-a859-b3a3388b8c69" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_e43ed674-40c8-4172-9292-f8973d1d8a74" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_22c95821-2ded-49dd-a859-b3a3388b8c69" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_838b45cc-5c76-4a44-923c-e2af0203b0bf" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_22c95821-2ded-49dd-a859-b3a3388b8c69" xlink:to="loc_fbc_SignatureBridgeBankMember_838b45cc-5c76-4a44-923c-e2af0203b0bf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_abd5a950-822c-4d41-89b1-d1c95b397bc2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_b6f08f6a-3c07-4bc4-9d6b-f4e6019aa7e2" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_abd5a950-822c-4d41-89b1-d1c95b397bc2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_f3d81993-e528-4704-b40b-0a5fe74b8b0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_b6f08f6a-3c07-4bc4-9d6b-f4e6019aa7e2" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_f3d81993-e528-4704-b40b-0a5fe74b8b0c" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableImpairedLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_20b46d78-dbbf-4ed5-84cc-2adfdd519240" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_20b46d78-dbbf-4ed5-84cc-2adfdd519240" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54d8b50a-ec2f-4eb6-9a10-1dea751eabe2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_20b46d78-dbbf-4ed5-84cc-2adfdd519240" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54d8b50a-ec2f-4eb6-9a10-1dea751eabe2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_54d8b50a-ec2f-4eb6-9a10-1dea751eabe2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54d8b50a-ec2f-4eb6-9a10-1dea751eabe2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_54d8b50a-ec2f-4eb6-9a10-1dea751eabe2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c97df33e-e5d1-4ad5-a07e-84f69bf93ee3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54d8b50a-ec2f-4eb6-9a10-1dea751eabe2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c97df33e-e5d1-4ad5-a07e-84f69bf93ee3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_cf0fa821-483f-4cf1-b3f4-1b479ef0d473" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c97df33e-e5d1-4ad5-a07e-84f69bf93ee3" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_cf0fa821-483f-4cf1-b3f4-1b479ef0d473" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_37c7bd24-ac1f-4aa3-93b1-9b4fa87ab81e" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c97df33e-e5d1-4ad5-a07e-84f69bf93ee3" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_37c7bd24-ac1f-4aa3-93b1-9b4fa87ab81e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aa3e8ae0-a885-4e7d-99e2-9e7c42e00310" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_20b46d78-dbbf-4ed5-84cc-2adfdd519240" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aa3e8ae0-a885-4e7d-99e2-9e7c42e00310" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aa3e8ae0-a885-4e7d-99e2-9e7c42e00310_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aa3e8ae0-a885-4e7d-99e2-9e7c42e00310" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aa3e8ae0-a885-4e7d-99e2-9e7c42e00310_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aa3e8ae0-a885-4e7d-99e2-9e7c42e00310" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_28e6c2c2-d0ce-4e8c-b5f8-dbea661030cf" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:to="loc_fbc_MultiFamilyLoanMember_28e6c2c2-d0ce-4e8c-b5f8-dbea661030cf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_b4a12cd1-5535-42fe-bb7a-5ab9b3640c01" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:to="loc_fbc_CommercialRealEstateLoansMember_b4a12cd1-5535-42fe-bb7a-5ab9b3640c01" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_d254304d-7ddb-4204-aa6b-03f007cf804e" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_d254304d-7ddb-4204-aa6b-03f007cf804e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_c14fe306-a789-4702-ba77-fae03bbe26b5" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_c14fe306-a789-4702-ba77-fae03bbe26b5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_292335db-b778-4929-869c-289cb7f99e39" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_292335db-b778-4929-869c-289cb7f99e39" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_3fce266b-f466-409b-af8e-7a93a4b51fba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_3fce266b-f466-409b-af8e-7a93a4b51fba" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_86989c0b-b333-4963-a4ad-1feb4d5c3fd6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_86989c0b-b333-4963-a4ad-1feb4d5c3fd6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableRelatedAllowance_292f0521-4a51-4dc8-b241-6d19b5014fbd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableRelatedAllowance_292f0521-4a51-4dc8-b241-6d19b5014fbd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod_2baa869f-63c7-4086-8323-9e5788c5ebe3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod_2baa869f-63c7-4086-8323-9e5788c5ebe3" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestment_4d6ee9b1-056e-405f-8ba8-fc4b6ed64491" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestment_4d6ee9b1-056e-405f-8ba8-fc4b6ed64491" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_7ea8329e-d0fc-4e06-bff6-b6ffa058aee0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_7ea8329e-d0fc-4e06-bff6-b6ffa058aee0" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesLessorArrangementsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorLeaseDescriptionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorLeaseDescriptionTable_f9d9fc31-4ab5-4647-bd79-bd7c8487bcf9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorLeaseDescriptionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:to="loc_us-gaap_LessorLeaseDescriptionTable_f9d9fc31-4ab5-4647-bd79-bd7c8487bcf9" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_cd5a75dc-87b0-466b-95b9-91c14535b77e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_LessorLeaseDescriptionTable_f9d9fc31-4ab5-4647-bd79-bd7c8487bcf9" xlink:to="loc_srt_RangeAxis_cd5a75dc-87b0-466b-95b9-91c14535b77e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_cd5a75dc-87b0-466b-95b9-91c14535b77e_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_cd5a75dc-87b0-466b-95b9-91c14535b77e" xlink:to="loc_srt_RangeMember_cd5a75dc-87b0-466b-95b9-91c14535b77e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_21f3072d-7820-432d-865b-49c46ec7e89e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_cd5a75dc-87b0-466b-95b9-91c14535b77e" xlink:to="loc_srt_RangeMember_21f3072d-7820-432d-865b-49c46ec7e89e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_dc73de0b-c827-48bc-a2f2-722482bbd363" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_21f3072d-7820-432d-865b-49c46ec7e89e" xlink:to="loc_srt_MinimumMember_dc73de0b-c827-48bc-a2f2-722482bbd363" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_4708e063-37f7-4e87-8acd-04d1c149ed89" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_21f3072d-7820-432d-865b-49c46ec7e89e" xlink:to="loc_srt_MaximumMember_4708e063-37f7-4e87-8acd-04d1c149ed89" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorDirectFinancingLeaseTermOfContract1_59f14060-02f1-4cf4-900a-cfa254dac99a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorDirectFinancingLeaseTermOfContract1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:to="loc_us-gaap_LessorDirectFinancingLeaseTermOfContract1_59f14060-02f1-4cf4-900a-cfa254dac99a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset_c2fee67f-5434-4981-9886-662fc90f1165" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:to="loc_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset_c2fee67f-5434-4981-9886-662fc90f1165" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_1b181831-a436-40eb-ab5e-147219355ef0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:to="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_1b181831-a436-40eb-ab5e-147219355ef0" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_d91bc2a2-2458-45e3-a3d9-9e35f641a41d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_9e2fdaaa-dc4c-4641-be3e-8cd3ff29d85c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_d91bc2a2-2458-45e3-a3d9-9e35f641a41d" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_9e2fdaaa-dc4c-4641-be3e-8cd3ff29d85c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_ff65afce-900c-4f7e-8d9d-c966dc1b849d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_9e2fdaaa-dc4c-4641-be3e-8cd3ff29d85c" xlink:to="loc_us-gaap_FinancialInstrumentAxis_ff65afce-900c-4f7e-8d9d-c966dc1b849d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ff65afce-900c-4f7e-8d9d-c966dc1b849d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ff65afce-900c-4f7e-8d9d-c966dc1b849d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ff65afce-900c-4f7e-8d9d-c966dc1b849d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2fca00db-3de7-4495-9078-b8b62b2755b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ff65afce-900c-4f7e-8d9d-c966dc1b849d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2fca00db-3de7-4495-9078-b8b62b2755b3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_3496f424-7675-4d0b-a61e-468e9c12f187" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FirstMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2fca00db-3de7-4495-9078-b8b62b2755b3" xlink:to="loc_us-gaap_FirstMortgageMember_3496f424-7675-4d0b-a61e-468e9c12f187" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_d91bc2a2-2458-45e3-a3d9-9e35f641a41d" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_b57a8776-19c8-41c7-9441-7c4d929ef0dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_b57a8776-19c8-41c7-9441-7c4d929ef0dd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAdditions_14002f7f-edb3-4121-b4a8-dc8ecc42988d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAdditions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAdditions_14002f7f-edb3-4121-b4a8-dc8ecc42988d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueDisposals_82b4a27c-bff7-4dfd-b7d5-dd69f6942ab6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueDisposals"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValueDisposals_82b4a27c-bff7-4dfd-b7d5-dd69f6942ab6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_5757e973-ee5c-461c-b5f9-8299ee26b4a3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_5757e973-ee5c-461c-b5f9-8299ee26b4a3" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_6e49178f-e520-42a4-a2e9-1936885de1c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_5757e973-ee5c-461c-b5f9-8299ee26b4a3" xlink:to="loc_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_6e49178f-e520-42a4-a2e9-1936885de1c1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_e886e925-e3e1-42b0-9b0d-54870b25cc89" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_e886e925-e3e1-42b0-9b0d-54870b25cc89" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_33b73568-50e5-4209-ad4c-673dc0719c08" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_80eb5d0c-4e8c-4666-999a-0d771566bd5f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_80eb5d0c-4e8c-4666-999a-0d771566bd5f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_c2387711-531e-4e92-9b5b-16688e1d3720" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_80eb5d0c-4e8c-4666-999a-0d771566bd5f" xlink:to="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_c2387711-531e-4e92-9b5b-16688e1d3720" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_c2387711-531e-4e92-9b5b-16688e1d3720_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_c2387711-531e-4e92-9b5b-16688e1d3720" xlink:to="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_c2387711-531e-4e92-9b5b-16688e1d3720_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_e39b301d-4f23-446c-bb15-fe70f8ac98f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_c2387711-531e-4e92-9b5b-16688e1d3720" xlink:to="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_e39b301d-4f23-446c-bb15-fe70f8ac98f9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMember_e3548c37-7c33-49bf-8d0c-d7e94c0499d0" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_e39b301d-4f23-446c-bb15-fe70f8ac98f9" xlink:to="loc_fbc_MortgageServicingRightsMember_e3548c37-7c33-49bf-8d0c-d7e94c0499d0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisActualAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:to="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent_1aad6fd5-41b3-44ff-86eb-18412d85fee3" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:to="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent_1aad6fd5-41b3-44ff-86eb-18412d85fee3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent_66210d5d-2e74-4999-baa2-8340530e540c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent_66210d5d-2e74-4999-baa2-8340530e540c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan_262ba7d3-e5be-46c4-a8b3-eb53ef607b9a" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:to="loc_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan_262ba7d3-e5be-46c4-a8b3-eb53ef607b9a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisAdverseChangeTranche1Abstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:to="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread_c86ce988-0c7f-49a5-b998-8e5643a4877c" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:to="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread_c86ce988-0c7f-49a5-b998-8e5643a4877c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_67910510-6b2d-4335-a982-675c2523c96b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_67910510-6b2d-4335-a982-675c2523c96b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption_a821e68f-1bdb-452e-a7fc-ded61ad1b259" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption_a821e68f-1bdb-452e-a7fc-ded61ad1b259" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisAdverseChangeTranche2Abstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:to="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread_67f86b76-e978-48d9-9f51-98bfa0e0b442" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:to="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread_67f86b76-e978-48d9-9f51-98bfa0e0b442" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_55999770-84e8-4e34-8a57-03c293340728" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_55999770-84e8-4e34-8a57-03c293340728" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption_6addff63-de4c-438e-8a3d-605f6e55cecb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption_6addff63-de4c-438e-8a3d-605f6e55cecb" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#MortgageServicingRightsSummaryofIncomeandFeesDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_de891627-38a5-4281-852f-43eb3f13f254" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_de891627-38a5-4281-852f-43eb3f13f254" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_4617b6fd-1064-42d9-87c4-72a29be76276" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_de891627-38a5-4281-852f-43eb3f13f254" xlink:to="loc_us-gaap_FinancialInstrumentAxis_4617b6fd-1064-42d9-87c4-72a29be76276" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_4617b6fd-1064-42d9-87c4-72a29be76276_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_4617b6fd-1064-42d9-87c4-72a29be76276" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_4617b6fd-1064-42d9-87c4-72a29be76276_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_25059037-90ba-4fba-8ad3-2428417efe74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_4617b6fd-1064-42d9-87c4-72a29be76276" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_25059037-90ba-4fba-8ad3-2428417efe74" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_6302a713-d1a5-42a1-9956-407930d7de0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FirstMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_25059037-90ba-4fba-8ad3-2428417efe74" xlink:to="loc_us-gaap_FirstMortgageMember_6302a713-d1a5-42a1-9956-407930d7de0c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FDICServicedLoansMember_21298c11-5d06-4f8b-9915-6abef4e07088" xlink:href="fbc-20231231.xsd#fbc_FDICServicedLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_25059037-90ba-4fba-8ad3-2428417efe74" xlink:to="loc_fbc_FDICServicedLoansMember_21298c11-5d06-4f8b-9915-6abef4e07088" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_fa924019-1e65-461c-ace8-25b522357e0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_de891627-38a5-4281-852f-43eb3f13f254" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_fa924019-1e65-461c-ace8-25b522357e0a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_fa924019-1e65-461c-ace8-25b522357e0a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_fa924019-1e65-461c-ace8-25b522357e0a" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_fa924019-1e65-461c-ace8-25b522357e0a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_9008190b-e6b0-485c-8f32-e0d1982260b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_fa924019-1e65-461c-ace8-25b522357e0a" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_9008190b-e6b0-485c-8f32-e0d1982260b3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetLoanAdministrationIncomeMember_df27cd6f-cdbf-4e97-8358-8a96e3d99147" xlink:href="fbc-20231231.xsd#fbc_NetLoanAdministrationIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_9008190b-e6b0-485c-8f32-e0d1982260b3" xlink:to="loc_fbc_NetLoanAdministrationIncomeMember_df27cd6f-cdbf-4e97-8358-8a96e3d99147" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_e2632889-78ff-4dfa-830f-a40a14cc4b0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_e2632889-78ff-4dfa-830f-a40a14cc4b0c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_be4aa234-0810-40e7-bd30-f478b43e2690" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_be4aa234-0810-40e7-bd30-f478b43e2690" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_d22ef0f7-5e7f-431f-8bff-81c8367ba7da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_d22ef0f7-5e7f-431f-8bff-81c8367ba7da" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnOilAndGasHedgingActivity_e0363b9b-c4a6-4b1c-808a-7c42a2628a63" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnOilAndGasHedgingActivity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_GainLossOnOilAndGasHedgingActivity_e0363b9b-c4a6-4b1c-808a-7c42a2628a63" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ServicingAssetatFairValueNetTransactionCosts_1bf2cf8a-c1e2-4666-92be-5d659bc70cc1" xlink:href="fbc-20231231.xsd#fbc_ServicingAssetatFairValueNetTransactionCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_fbc_ServicingAssetatFairValueNetTransactionCosts_1bf2cf8a-c1e2-4666-92be-5d659bc70cc1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_3f9973f5-d0c7-4b51-836f-24eaf097c126" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_3f9973f5-d0c7-4b51-836f-24eaf097c126" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances_e1b2549a-281d-4010-a347-afc98887ea19" xlink:href="fbc-20231231.xsd#fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances_e1b2549a-281d-4010-a347-afc98887ea19" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount_8b3203a5-2443-4f51-b7c4-4f533bf0e222" xlink:href="fbc-20231231.xsd#fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount_8b3203a5-2443-4f51-b7c4-4f533bf0e222" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubservicingAssetatFairValueIncomeAmount_a3fcade5-ed8e-459a-9d9a-19287a793be7" xlink:href="fbc-20231231.xsd#fbc_SubservicingAssetatFairValueIncomeAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_fbc_SubservicingAssetatFairValueIncomeAmount_a3fcade5-ed8e-459a-9d9a-19287a793be7" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/VariableInterestEntitiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#VariableInterestEntitiesDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/VariableInterestEntitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_cdfcd115-0928-4d4b-8018-f84d05f02ffc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:to="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_cdfcd115-0928-4d4b-8018-f84d05f02ffc" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_57c3ea12-4370-43ee-aa21-f17804719896" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_cdfcd115-0928-4d4b-8018-f84d05f02ffc" xlink:to="loc_us-gaap_FinancialInstrumentAxis_57c3ea12-4370-43ee-aa21-f17804719896" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_57c3ea12-4370-43ee-aa21-f17804719896_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_57c3ea12-4370-43ee-aa21-f17804719896" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_57c3ea12-4370-43ee-aa21-f17804719896_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_55bf0289-6960-4ec1-a420-360464702e32" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_57c3ea12-4370-43ee-aa21-f17804719896" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_55bf0289-6960-4ec1-a420-360464702e32" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_7abe63ad-6a1c-4b7b-8b5b-1203f75ca943" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_55bf0289-6960-4ec1-a420-360464702e32" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_7abe63ad-6a1c-4b7b-8b5b-1203f75ca943" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_65fc5fe6-fe08-40d2-8198-793821829f78" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_cdfcd115-0928-4d4b-8018-f84d05f02ffc" xlink:to="loc_srt_ConsolidatedEntitiesAxis_65fc5fe6-fe08-40d2-8198-793821829f78" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_65fc5fe6-fe08-40d2-8198-793821829f78_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_65fc5fe6-fe08-40d2-8198-793821829f78" xlink:to="loc_srt_ConsolidatedEntitiesDomain_65fc5fe6-fe08-40d2-8198-793821829f78_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_df64bb59-f4e9-461a-880d-7521b0ecce25" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_65fc5fe6-fe08-40d2-8198-793821829f78" xlink:to="loc_srt_ConsolidatedEntitiesDomain_df64bb59-f4e9-461a-880d-7521b0ecce25" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_41562c64-5842-4969-8de4-85d11cf5c3e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_df64bb59-f4e9-461a-880d-7521b0ecce25" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_41562c64-5842-4969-8de4-85d11cf5c3e0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_VariableInterestEntityNumberofEntities_97c54925-8eb8-49e0-a79f-8607c1aa43e5" xlink:href="fbc-20231231.xsd#fbc_VariableInterestEntityNumberofEntities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:to="loc_fbc_VariableInterestEntityNumberofEntities_97c54925-8eb8-49e0-a79f-8607c1aa43e5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityOwnershipPercentage_2680aab7-40de-467b-a278-7661b539428e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableInterestEntityOwnershipPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:to="loc_us-gaap_VariableInterestEntityOwnershipPercentage_2680aab7-40de-467b-a278-7661b539428e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_5aa4f437-24f0-487e-806c-238984b09fa1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_5aa4f437-24f0-487e-806c-238984b09fa1" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsBreakdownofborrowedfundsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_9e135490-9b07-4938-8afd-0c569c51992f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_6270b4c0-4ffc-4091-abea-473041e91be8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_9e135490-9b07-4938-8afd-0c569c51992f" xlink:to="loc_us-gaap_DebtInstrumentTable_6270b4c0-4ffc-4091-abea-473041e91be8" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_198f6c13-33aa-48f0-a0f6-97e12052548b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_6270b4c0-4ffc-4091-abea-473041e91be8" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_198f6c13-33aa-48f0-a0f6-97e12052548b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_198f6c13-33aa-48f0-a0f6-97e12052548b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_198f6c13-33aa-48f0-a0f6-97e12052548b" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_198f6c13-33aa-48f0-a0f6-97e12052548b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_198f6c13-33aa-48f0-a0f6-97e12052548b" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_259d2cfe-eb3b-46b9-b2be-bc4958a03696" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:to="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_259d2cfe-eb3b-46b9-b2be-bc4958a03696" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_e18ab3fb-f1c8-427e-bdfe-189f35f0de4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_259d2cfe-eb3b-46b9-b2be-bc4958a03696" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_e18ab3fb-f1c8-427e-bdfe-189f35f0de4e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalReserveBankAdvancesMember_85bb5771-1e42-49bf-ab6f-426d4203e2e9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalReserveBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_259d2cfe-eb3b-46b9-b2be-bc4958a03696" xlink:to="loc_us-gaap_FederalReserveBankAdvancesMember_85bb5771-1e42-49bf-ab6f-426d4203e2e9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebtMember_3fc51f66-470c-4431-a5ec-a62a700418b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:to="loc_us-gaap_JuniorSubordinatedDebtMember_3fc51f66-470c-4431-a5ec-a62a700418b4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebtMember_b80a0228-1570-4906-a10d-61dec03e3fdc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:to="loc_us-gaap_SubordinatedDebtMember_b80a0228-1570-4906-a10d-61dec03e3fdc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_2eb60662-36d0-4cde-95fe-57fac26d0c0e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_9e135490-9b07-4938-8afd-0c569c51992f" xlink:to="loc_us-gaap_LongTermDebt_2eb60662-36d0-4cde-95fe-57fac26d0c0e" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/BorrowedFundsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_dc220a57-25c3-4bde-9d81-521da8bfdd56" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_srt_RestatementAxis_dc220a57-25c3-4bde-9d81-521da8bfdd56" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_dc220a57-25c3-4bde-9d81-521da8bfdd56_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RestatementAxis_dc220a57-25c3-4bde-9d81-521da8bfdd56" xlink:to="loc_srt_RestatementDomain_dc220a57-25c3-4bde-9d81-521da8bfdd56_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_38afb459-0cc0-408f-99ef-2c70898d94ad" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RestatementAxis_dc220a57-25c3-4bde-9d81-521da8bfdd56" xlink:to="loc_srt_RestatementDomain_38afb459-0cc0-408f-99ef-2c70898d94ad" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_c9efc33f-c8dc-4343-80e3-e48654b2e72f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RestatementDomain_38afb459-0cc0-408f-99ef-2c70898d94ad" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_c9efc33f-c8dc-4343-80e3-e48654b2e72f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_9ccfce1d-60a6-4ef9-bb8e-de3f2eaba72b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_9ccfce1d-60a6-4ef9-bb8e-de3f2eaba72b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_9ccfce1d-60a6-4ef9-bb8e-de3f2eaba72b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_9ccfce1d-60a6-4ef9-bb8e-de3f2eaba72b" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_9ccfce1d-60a6-4ef9-bb8e-de3f2eaba72b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_24d5c05d-fc87-491b-8aed-af37738bcfeb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_9ccfce1d-60a6-4ef9-bb8e-de3f2eaba72b" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_24d5c05d-fc87-491b-8aed-af37738bcfeb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_88d53e8e-fbc9-417b-b0ed-c4da0052ebe9" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_24d5c05d-fc87-491b-8aed-af37738bcfeb" xlink:to="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_88d53e8e-fbc9-417b-b0ed-c4da0052ebe9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_24895cd3-ba28-463a-a0a9-57ddd566d48c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_24d5c05d-fc87-491b-8aed-af37738bcfeb" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_24895cd3-ba28-463a-a0a9-57ddd566d48c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightAxis_651f30be-5677-4553-8627-ece49f2f3f2e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_us-gaap_ClassOfWarrantOrRightAxis_651f30be-5677-4553-8627-ece49f2f3f2e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain_651f30be-5677-4553-8627-ece49f2f3f2e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis_651f30be-5677-4553-8627-ece49f2f3f2e" xlink:to="loc_us-gaap_ClassOfWarrantOrRightDomain_651f30be-5677-4553-8627-ece49f2f3f2e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain_462ae9b7-8071-43a6-b089-a6e9d32fc872" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis_651f30be-5677-4553-8627-ece49f2f3f2e" xlink:to="loc_us-gaap_ClassOfWarrantOrRightDomain_462ae9b7-8071-43a6-b089-a6e9d32fc872" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BONUSESUnitsMember_6dd224fa-6bbf-4f79-98ab-95c3cb819a7d" xlink:href="fbc-20231231.xsd#fbc_BONUSESUnitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain_462ae9b7-8071-43a6-b089-a6e9d32fc872" xlink:to="loc_fbc_BONUSESUnitsMember_6dd224fa-6bbf-4f79-98ab-95c3cb819a7d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_6e0851d4-7d48-4e1c-b951-798efcbafe0f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_6e0851d4-7d48-4e1c-b951-798efcbafe0f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_6e0851d4-7d48-4e1c-b951-798efcbafe0f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_6e0851d4-7d48-4e1c-b951-798efcbafe0f" xlink:to="loc_us-gaap_EquityComponentDomain_6e0851d4-7d48-4e1c-b951-798efcbafe0f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_f25d16a8-f932-4886-8ee6-c408245fea4b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_6e0851d4-7d48-4e1c-b951-798efcbafe0f" xlink:to="loc_us-gaap_EquityComponentDomain_f25d16a8-f932-4886-8ee6-c408245fea4b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_f93e909e-167c-4ca6-b4ab-aeb35ba69fd0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_f25d16a8-f932-4886-8ee6-c408245fea4b" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_f93e909e-167c-4ca6-b4ab-aeb35ba69fd0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_6e98d0f7-026e-4a37-967c-eebdb43310f2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_us-gaap_DebtInstrumentAxis_6e98d0f7-026e-4a37-967c-eebdb43310f2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_6e98d0f7-026e-4a37-967c-eebdb43310f2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_6e98d0f7-026e-4a37-967c-eebdb43310f2" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_6e98d0f7-026e-4a37-967c-eebdb43310f2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_4a4e74b5-eae9-449e-bd7a-87c776e988dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_6e98d0f7-026e-4a37-967c-eebdb43310f2" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_4a4e74b5-eae9-449e-bd7a-87c776e988dc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_6cd45ac9-59fb-459d-9ffa-5d8be5fb050e" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_4a4e74b5-eae9-449e-bd7a-87c776e988dc" xlink:to="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_6cd45ac9-59fb-459d-9ffa-5d8be5fb050e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_774d6f3e-b7c2-4658-8fe5-e7e6dbf67a5b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_774d6f3e-b7c2-4658-8fe5-e7e6dbf67a5b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_0b2da9f5-083c-4c76-8b62-4e3e2fc65d81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_0b2da9f5-083c-4c76-8b62-4e3e2fc65d81" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_0c843be7-bc93-4e03-97b1-3bf1927d6658" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_LongTermDebt_0c843be7-bc93-4e03-97b1-3bf1927d6658" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd_d633edca-42e9-4174-9616-bf584a3bdf57" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd_d633edca-42e9-4174-9616-bf584a3bdf57" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear_328bc17b-3744-48f4-826c-8cea5efd1882" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear_328bc17b-3744-48f4-826c-8cea5efd1882" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding_31f21f70-611d-44c9-b9d8-9e29ae803470" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding_31f21f70-611d-44c9-b9d8-9e29ae803470" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_917ef4f0-c8ae-4f1c-9aa7-b2ca884322c6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_917ef4f0-c8ae-4f1c-9aa7-b2ca884322c6" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepurchaseAgreementsInterestExpenseAmount_217a60c2-d3c6-4d9c-8e54-1f1fceeee65d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RepurchaseAgreementsInterestExpenseAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_RepurchaseAgreementsInterestExpenseAmount_217a60c2-d3c6-4d9c-8e54-1f1fceeee65d" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsPurchasedAverageAmountOutstanding_da4de67a-7b31-42a3-ad9a-e2c4c57f2eb7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalFundsPurchasedAverageAmountOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalFundsPurchasedAverageAmountOutstanding_da4de67a-7b31-42a3-ad9a-e2c4c57f2eb7" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalFundsPurchasedAverageRatePaid_c5f5a6f7-37c7-45c7-ad54-97caef68c6db" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalFundsPurchasedAverageRatePaid"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_srt_FederalFundsPurchasedAverageRatePaid_c5f5a6f7-37c7-45c7-ad54-97caef68c6db" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalFundsPurchased_58a68a4f-9c04-4ced-871d-84fb393119c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseFederalFundsPurchased"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_InterestExpenseFederalFundsPurchased_58a68a4f-9c04-4ced-871d-84fb393119c7" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_c726f3fb-5ffb-4b68-bae0-38b1760ba858" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_c726f3fb-5ffb-4b68-bae0-38b1760ba858" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_94250f4f-5ec0-4d2f-ba0d-96995dd1f49b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_94250f4f-5ec0-4d2f-ba0d-96995dd1f49b" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightOutstanding_cb6056e4-4398-483f-afee-19cdc6b2a2de" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_ClassOfWarrantOrRightOutstanding_cb6056e4-4398-483f-afee-19cdc6b2a2de" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_0be49485-9a5c-49a3-a3ea-695dfd1b1af2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_0be49485-9a5c-49a3-a3ea-695dfd1b1af2" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_ecf59a59-2119-4655-9862-c553a0fde315" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_ecf59a59-2119-4655-9862-c553a0fde315" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstandingTerm_b54d6457-8082-4763-9e85-55f031ad4684" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantsAndRightsOutstandingTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_WarrantsAndRightsOutstandingTerm_b54d6457-8082-4763-9e85-55f031ad4684" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare_bb4543ec-240f-4e1c-bbf7-61effc92bbdd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare_bb4543ec-240f-4e1c-bbf7-61effc92bbdd" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WarrantsAndRightsOutstandingNoncallableTerm_8f2241de-52e7-489c-9717-98dc7b7ac246" xlink:href="fbc-20231231.xsd#fbc_WarrantsAndRightsOutstandingNoncallableTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_fbc_WarrantsAndRightsOutstandingNoncallableTerm_8f2241de-52e7-489c-9717-98dc7b7ac246" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstanding_9fb26498-03c9-45ab-a9df-1664eac9297b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantsAndRightsOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_WarrantsAndRightsOutstanding_9fb26498-03c9-45ab-a9df-1664eac9297b" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued_a54a7e3f-53ec-46e2-888b-13506207ffe0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued_a54a7e3f-53ec-46e2-888b-13506207ffe0" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares_5411d95e-cef8-4586-b97a-b0cbb581ca71" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares_5411d95e-cef8-4586-b97a-b0cbb581ca71" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm_9f6e8d22-e8ee-41a7-9e82-c78c8209bcda" xlink:href="fbc-20231231.xsd#fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm_9f6e8d22-e8ee-41a7-9e82-c78c8209bcda" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_68fd699f-1e90-4bc6-9104-ac4691c1b665" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_68fd699f-1e90-4bc6-9104-ac4691c1b665" xlink:type="arc" order="23"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_JuniorSubordinatedDebenturesDividendsTerm_55c4d215-53a2-47d5-99f6-211404dd807a" xlink:href="fbc-20231231.xsd#fbc_JuniorSubordinatedDebenturesDividendsTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_fbc_JuniorSubordinatedDebenturesDividendsTerm_55c4d215-53a2-47d5-99f6-211404dd807a" xlink:type="arc" order="24"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseJuniorSubordinatedDebentures_11e5b855-00af-4518-970f-d5b0b2c6cff6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseJuniorSubordinatedDebentures"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_InterestExpenseJuniorSubordinatedDebentures_11e5b855-00af-4518-970f-d5b0b2c6cff6" xlink:type="arc" order="25"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_81a6f26e-af23-45fb-ac0f-615ca5fdf018" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_SubordinatedDebt_81a6f26e-af23-45fb-ac0f-615ca5fdf018" xlink:type="arc" order="26"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate_c7843aef-0c9c-4e31-9a78-c5b79be3084c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate_c7843aef-0c9c-4e31-9a78-c5b79be3084c" xlink:type="arc" order="27"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WarrantOrRightCouponRate_7b5b4f19-fe2e-4f2d-b48b-32418704dd8f" xlink:href="fbc-20231231.xsd#fbc_WarrantOrRightCouponRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_fbc_WarrantOrRightCouponRate_7b5b4f19-fe2e-4f2d-b48b-32418704dd8f" xlink:type="arc" order="28"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsJuniorSubordinatedDebenturesDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_41bcc1de-3229-49f4-bd5f-62cd2e726a0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:to="loc_us-gaap_DebtInstrumentAxis_41bcc1de-3229-49f4-bd5f-62cd2e726a0a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_41bcc1de-3229-49f4-bd5f-62cd2e726a0a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_41bcc1de-3229-49f4-bd5f-62cd2e726a0a" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_41bcc1de-3229-49f4-bd5f-62cd2e726a0a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_41bcc1de-3229-49f4-bd5f-62cd2e726a0a" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_0d2cc124-2930-4c56-8d5f-f0245848661a" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_0d2cc124-2930-4c56-8d5f-f0245848661a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustXMember_82677ae8-38df-49ea-bc1f-b6b7303b594a" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustXMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_NewYorkCommunityCapitalTrustXMember_82677ae8-38df-49ea-bc1f-b6b7303b594a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PennFedCapitalTrustIIIMember_7c049e69-fd7c-4b51-a172-f3864c7c743a" xlink:href="fbc-20231231.xsd#fbc_PennFedCapitalTrustIIIMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_PennFedCapitalTrustIIIMember_7c049e69-fd7c-4b51-a172-f3864c7c743a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustXIMember_86771b8e-26cf-4ac2-8670-f1fc63915a07" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustXIMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_NewYorkCommunityCapitalTrustXIMember_86771b8e-26cf-4ac2-8670-f1fc63915a07" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIIMember_e1d574d9-43fe-4748-866b-908334a05286" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIIMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustIIMember_e1d574d9-43fe-4748-866b-908334a05286" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIIIMember_fdd10f85-5eef-4722-86a7-45d5bf2c5bb5" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIIIMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustIIIMember_fdd10f85-5eef-4722-86a7-45d5bf2c5bb5" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIVMember_0240ef5f-2adc-4918-babe-5e704ae5648e" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIVMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustIVMember_0240ef5f-2adc-4918-babe-5e704ae5648e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVMember_428bcbfa-60a4-41de-b31c-1f4aa03ae755" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustVMember_428bcbfa-60a4-41de-b31c-1f4aa03ae755" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVIMember_5572f1ea-ac1d-4941-949b-de887f2fd195" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVIMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustVIMember_5572f1ea-ac1d-4941-949b-de887f2fd195" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVIIMember_9a5b6b86-bd6f-4d96-b35e-7068ce304686" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVIIMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustVIIMember_9a5b6b86-bd6f-4d96-b35e-7068ce304686" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVIIIMember_34bb1e9a-a7c4-4f20-85e0-9793bfd975c3" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVIIIMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustVIIIMember_34bb1e9a-a7c4-4f20-85e0-9793bfd975c3" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIXMember_138641a2-e2ad-4f52-89d3-7068431e2392" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIXMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustIXMember_138641a2-e2ad-4f52-89d3-7068431e2392" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustXMember_f8b33d02-f9d9-4c11-9855-d866b562b0e3" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustXMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustXMember_f8b33d02-f9d9-4c11-9855-d866b562b0e3" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_51fbce01-722e-4aaf-beb0-02f7e20d7016" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:to="loc_srt_RestatementAxis_51fbce01-722e-4aaf-beb0-02f7e20d7016" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_51fbce01-722e-4aaf-beb0-02f7e20d7016_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RestatementAxis_51fbce01-722e-4aaf-beb0-02f7e20d7016" xlink:to="loc_srt_RestatementDomain_51fbce01-722e-4aaf-beb0-02f7e20d7016_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_fd3906f1-6f95-44f4-a415-597187108617" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RestatementAxis_51fbce01-722e-4aaf-beb0-02f7e20d7016" xlink:to="loc_srt_RestatementDomain_fd3906f1-6f95-44f4-a415-597187108617" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_d4312055-ca08-4592-90a1-90f59ce22514" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RestatementDomain_fd3906f1-6f95-44f4-a415-597187108617" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_d4312055-ca08-4592-90a1-90f59ce22514" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_8bd6fb28-28d2-44a9-b7d4-b073b813bf5c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_8bd6fb28-28d2-44a9-b7d4-b073b813bf5c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_8bd6fb28-28d2-44a9-b7d4-b073b813bf5c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_8bd6fb28-28d2-44a9-b7d4-b073b813bf5c" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_8bd6fb28-28d2-44a9-b7d4-b073b813bf5c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_bee5c776-e6bd-45b7-8812-09f7dfa1f75e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_8bd6fb28-28d2-44a9-b7d4-b073b813bf5c" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_bee5c776-e6bd-45b7-8812-09f7dfa1f75e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_c40a62b4-2f70-4f3d-9967-c0afd545cbb9" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_bee5c776-e6bd-45b7-8812-09f7dfa1f75e" xlink:to="loc_fbc_FlagstarBancorpMember_c40a62b4-2f70-4f3d-9967-c0afd545cbb9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_0ad894b5-203e-4520-be4a-55d9b2568d00" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_0ad894b5-203e-4520-be4a-55d9b2568d00" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_29187b77-58c4-4e2c-b173-381c43f1157c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_29187b77-58c4-4e2c-b173-381c43f1157c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_e6216fe5-484d-46f8-a47a-b9154bc3d22f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_e6216fe5-484d-46f8-a47a-b9154bc3d22f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_9605ad0c-2f27-4d48-916f-fcdc5233437f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_9605ad0c-2f27-4d48-916f-fcdc5233437f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_d8f5b685-2415-4020-b851-154fd1a315f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_d8f5b685-2415-4020-b851-154fd1a315f0" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsSubordinatedNotesDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:to="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_4783be28-d41d-4fef-b18e-149f44a44738" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:to="loc_us-gaap_DebtInstrumentAxis_4783be28-d41d-4fef-b18e-149f44a44738" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_4783be28-d41d-4fef-b18e-149f44a44738_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DebtInstrumentAxis_4783be28-d41d-4fef-b18e-149f44a44738" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_4783be28-d41d-4fef-b18e-149f44a44738_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_7cd4d531-fce5-44f2-bf67-75244868c9c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DebtInstrumentAxis_4783be28-d41d-4fef-b18e-149f44a44738" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_7cd4d531-fce5-44f2-bf67-75244868c9c1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubordinatedNotesMaturingIn2028Member_31659d8a-e9ab-453c-b5a2-17e9c0b66b40" xlink:href="fbc-20231231.xsd#fbc_SubordinatedNotesMaturingIn2028Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_7cd4d531-fce5-44f2-bf67-75244868c9c1" xlink:to="loc_fbc_SubordinatedNotesMaturingIn2028Member_31659d8a-e9ab-453c-b5a2-17e9c0b66b40" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubordinatedNotesMaturingIn2030Member_17eea4ab-7424-4d07-9034-adc3bf711216" xlink:href="fbc-20231231.xsd#fbc_SubordinatedNotesMaturingIn2030Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_7cd4d531-fce5-44f2-bf67-75244868c9c1" xlink:to="loc_fbc_SubordinatedNotesMaturingIn2030Member_17eea4ab-7424-4d07-9034-adc3bf711216" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_85d6fa48-2977-48c5-8bcc-1fe0de5ca73d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_85d6fa48-2977-48c5-8bcc-1fe0de5ca73d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_85d6fa48-2977-48c5-8bcc-1fe0de5ca73d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_85d6fa48-2977-48c5-8bcc-1fe0de5ca73d" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_85d6fa48-2977-48c5-8bcc-1fe0de5ca73d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_b7956494-22f8-47ea-bf16-c2f1dc5d1de9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_85d6fa48-2977-48c5-8bcc-1fe0de5ca73d" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_b7956494-22f8-47ea-bf16-c2f1dc5d1de9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebtMember_ce92a82d-74a9-42ad-bb43-1ada1842a6fe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_b7956494-22f8-47ea-bf16-c2f1dc5d1de9" xlink:to="loc_us-gaap_SubordinatedDebtMember_ce92a82d-74a9-42ad-bb43-1ada1842a6fe" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_2fee813b-239b-4cdc-af18-ac58c1b71778" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:to="loc_us-gaap_VariableRateAxis_2fee813b-239b-4cdc-af18-ac58c1b71778" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_2fee813b-239b-4cdc-af18-ac58c1b71778_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_VariableRateAxis_2fee813b-239b-4cdc-af18-ac58c1b71778" xlink:to="loc_us-gaap_VariableRateDomain_2fee813b-239b-4cdc-af18-ac58c1b71778_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_2df5b801-1bf9-423d-bd9b-754840711034" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_VariableRateAxis_2fee813b-239b-4cdc-af18-ac58c1b71778" xlink:to="loc_us-gaap_VariableRateDomain_2df5b801-1bf9-423d-bd9b-754840711034" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SecuredOvernightFinancingRateSOFRMember_a93b80c8-000e-4e0b-abe0-d4c194bec8e4" xlink:href="fbc-20231231.xsd#fbc_SecuredOvernightFinancingRateSOFRMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_2df5b801-1bf9-423d-bd9b-754840711034" xlink:to="loc_fbc_SecuredOvernightFinancingRateSOFRMember_a93b80c8-000e-4e0b-abe0-d4c194bec8e4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_f21567a7-8124-4a02-bad5-20f69b5934b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_f21567a7-8124-4a02-bad5-20f69b5934b6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_95141480-dc21-4062-ad96-a557995406dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_95141480-dc21-4062-ad96-a557995406dc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_02eb5872-07fb-4c6e-9d2d-24fdc98456c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_02eb5872-07fb-4c6e-9d2d-24fdc98456c0" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DepositsMaturitiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DepositsMaturitiesDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/DepositsMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesTable_543633f1-d158-42cf-8b66-e719d5f86882" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesTable_543633f1-d158-42cf-8b66-e719d5f86882" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_b98a0c97-ab20-42b5-b2d3-7853ac557e58" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesTable_543633f1-d158-42cf-8b66-e719d5f86882" xlink:to="loc_srt_RestatementAxis_b98a0c97-ab20-42b5-b2d3-7853ac557e58" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_b98a0c97-ab20-42b5-b2d3-7853ac557e58_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RestatementAxis_b98a0c97-ab20-42b5-b2d3-7853ac557e58" xlink:to="loc_srt_RestatementDomain_b98a0c97-ab20-42b5-b2d3-7853ac557e58_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_e14c272a-5f05-443a-98ee-69d059554845" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RestatementAxis_b98a0c97-ab20-42b5-b2d3-7853ac557e58" xlink:to="loc_srt_RestatementDomain_e14c272a-5f05-443a-98ee-69d059554845" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_0e76ee40-92c3-48b7-b7a2-d9b865d93e0a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RestatementDomain_e14c272a-5f05-443a-98ee-69d059554845" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_0e76ee40-92c3-48b7-b7a2-d9b865d93e0a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearOne_55750839-0e2f-4292-a046-74fe146e0793" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearOne_55750839-0e2f-4292-a046-74fe146e0793" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearTwo_09c05fea-475a-486d-a711-c2e8da8ce161" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearTwo_09c05fea-475a-486d-a711-c2e8da8ce161" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearThree_7fbd9352-cd77-4f6c-9de7-9a327c44748b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearThree_7fbd9352-cd77-4f6c-9de7-9a327c44748b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFour_ca8644eb-c05f-4db3-94e6-402c4b0d9ef9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFour_ca8644eb-c05f-4db3-94e6-402c4b0d9ef9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFive_5f1d323c-519c-42be-aee0-d16c74f10772" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFive_5f1d323c-519c-42be-aee0-d16c74f10772" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_8b5b7d26-4aa2-4687-8e88-de421874c135" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_8b5b7d26-4aa2-4687-8e88-de421874c135" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_5ee15176-bc93-4680-b4b7-4d11891c0321" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_5ee15176-bc93-4680-b4b7-4d11891c0321" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#StockRelatedBenefitsPlansNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_f61c7180-dba8-49f0-b77c-9691e8e9c506" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_f61c7180-dba8-49f0-b77c-9691e8e9c506" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_5385771d-2382-4131-8686-9326ff7ecd38" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_f61c7180-dba8-49f0-b77c-9691e8e9c506" xlink:to="loc_us-gaap_AwardTypeAxis_5385771d-2382-4131-8686-9326ff7ecd38" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_5385771d-2382-4131-8686-9326ff7ecd38_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_5385771d-2382-4131-8686-9326ff7ecd38" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_5385771d-2382-4131-8686-9326ff7ecd38_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_5385771d-2382-4131-8686-9326ff7ecd38" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RestrictedStockandRestrictedStockUnitsMember_4a815b65-1237-4e8a-b579-ca3aaf782033" xlink:href="fbc-20231231.xsd#fbc_RestrictedStockandRestrictedStockUnitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:to="loc_fbc_RestrictedStockandRestrictedStockUnitsMember_4a815b65-1237-4e8a-b579-ca3aaf782033" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_dad6a3d0-90df-409d-96a5-b1fb0be67271" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:to="loc_us-gaap_PerformanceSharesMember_dad6a3d0-90df-409d-96a5-b1fb0be67271" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_9b4207e5-c354-4592-9a5b-9e72187d1197" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:to="loc_us-gaap_RestrictedStockMember_9b4207e5-c354-4592-9a5b-9e72187d1197" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_d38b88ef-863b-4b90-b26e-7bb11b754190" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_f61c7180-dba8-49f0-b77c-9691e8e9c506" xlink:to="loc_srt_RangeAxis_d38b88ef-863b-4b90-b26e-7bb11b754190" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_d38b88ef-863b-4b90-b26e-7bb11b754190_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_d38b88ef-863b-4b90-b26e-7bb11b754190" xlink:to="loc_srt_RangeMember_d38b88ef-863b-4b90-b26e-7bb11b754190_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_77fcf00c-254c-4537-9611-cd078e41bcf4" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_d38b88ef-863b-4b90-b26e-7bb11b754190" xlink:to="loc_srt_RangeMember_77fcf00c-254c-4537-9611-cd078e41bcf4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_5c320a54-3683-4f2c-a215-a7170a520f60" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_77fcf00c-254c-4537-9611-cd078e41bcf4" xlink:to="loc_srt_MinimumMember_5c320a54-3683-4f2c-a215-a7170a520f60" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_858319d3-9899-427b-98dd-0191e39b8189" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_77fcf00c-254c-4537-9611-cd078e41bcf4" xlink:to="loc_srt_MaximumMember_858319d3-9899-427b-98dd-0191e39b8189" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_9926f65b-8b8a-4a27-9524-587581d7f2e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_9926f65b-8b8a-4a27-9524-587581d7f2e4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_0193cc45-bca1-48ee-a757-c3c771eab813" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_0193cc45-bca1-48ee-a757-c3c771eab813" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_7248cbe8-0e65-4105-b3a5-f77933427ae7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_7248cbe8-0e65-4105-b3a5-f77933427ae7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_35b7fdc0-b4ef-410a-ace3-631a1ed9bea4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_35b7fdc0-b4ef-410a-ace3-631a1ed9bea4" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_5d5da80f-8373-453c-80b0-c65a29fac743" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_5d5da80f-8373-453c-80b0-c65a29fac743" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_21c1f5c7-f163-4d9f-a600-e040d86ec6f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_21c1f5c7-f163-4d9f-a600-e040d86ec6f4" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_f01db949-a8a1-4847-93d9-b82231f3c9b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_f01db949-a8a1-4847-93d9-b82231f3c9b6" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1ef7a561-6633-43a1-8690-37168d7ec812" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5cd47983-d79f-4444-a500-d87d07e70da6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1ef7a561-6633-43a1-8690-37168d7ec812" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5cd47983-d79f-4444-a500-d87d07e70da6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_0dff0085-380d-4528-b508-347ae8073384" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5cd47983-d79f-4444-a500-d87d07e70da6" xlink:to="loc_us-gaap_AwardTypeAxis_0dff0085-380d-4528-b508-347ae8073384" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_0dff0085-380d-4528-b508-347ae8073384_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_0dff0085-380d-4528-b508-347ae8073384" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_0dff0085-380d-4528-b508-347ae8073384_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_c84d1ae9-062e-4b01-8d6d-a8d4844b8b74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_0dff0085-380d-4528-b508-347ae8073384" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_c84d1ae9-062e-4b01-8d6d-a8d4844b8b74" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_329e0085-7a96-4612-a977-825d1cdbf842" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_c84d1ae9-062e-4b01-8d6d-a8d4844b8b74" xlink:to="loc_us-gaap_RestrictedStockMember_329e0085-7a96-4612-a977-825d1cdbf842" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1ef7a561-6633-43a1-8690-37168d7ec812" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_9bfaeb0b-23b3-4c7d-b4c1-a95dc2c41e45" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_9bfaeb0b-23b3-4c7d-b4c1-a95dc2c41e45" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_40163de2-1c7b-41b0-a88e-fdc4adb79ec9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_40163de2-1c7b-41b0-a88e-fdc4adb79ec9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_a12090a3-80cc-43a9-866e-88e17d0dc6b0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_a12090a3-80cc-43a9-866e-88e17d0dc6b0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_9a93fc6e-5df4-41ac-82d1-b83a1a8dd347" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_9a93fc6e-5df4-41ac-82d1-b83a1a8dd347" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_33725b67-1977-488c-b995-6af130b4b618" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1ef7a561-6633-43a1-8690-37168d7ec812" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_2042184c-6845-41e1-8f55-7fff01808c9a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_2042184c-6845-41e1-8f55-7fff01808c9a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_8c47440f-fa20-4d68-8a78-28faa3c9e72e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_8c47440f-fa20-4d68-8a78-28faa3c9e72e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_73114267-fa6b-4911-805f-53b0aa6ac1b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_73114267-fa6b-4911-805f-53b0aa6ac1b1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_05225736-5359-4d2e-9a51-749bd7c66343" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_05225736-5359-4d2e-9a51-749bd7c66343" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_478bc01b-2398-4b1a-b605-d7f75b97e5d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_275c7142-b8fa-4433-b6d4-44080f8affe4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d1f363a2-dca1-4271-a33f-52673eb1a58d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_275c7142-b8fa-4433-b6d4-44080f8affe4" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d1f363a2-dca1-4271-a33f-52673eb1a58d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_a50c9e8e-cdf5-4205-b797-e657528d3d53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d1f363a2-dca1-4271-a33f-52673eb1a58d" xlink:to="loc_us-gaap_AwardTypeAxis_a50c9e8e-cdf5-4205-b797-e657528d3d53" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_a50c9e8e-cdf5-4205-b797-e657528d3d53_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_a50c9e8e-cdf5-4205-b797-e657528d3d53" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_a50c9e8e-cdf5-4205-b797-e657528d3d53_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_d1cd4f23-05a9-4e6d-83b9-999406bb181e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_a50c9e8e-cdf5-4205-b797-e657528d3d53" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_d1cd4f23-05a9-4e6d-83b9-999406bb181e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_78119473-f22b-4806-9e79-10a18aae8a19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_d1cd4f23-05a9-4e6d-83b9-999406bb181e" xlink:to="loc_us-gaap_PerformanceSharesMember_78119473-f22b-4806-9e79-10a18aae8a19" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_275c7142-b8fa-4433-b6d4-44080f8affe4" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_6455016a-0cbb-46b6-8909-82a340fd56c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_6455016a-0cbb-46b6-8909-82a340fd56c7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c5d1c494-a7fd-403c-8654-dbbe139f604a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c5d1c494-a7fd-403c-8654-dbbe139f604a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_083985b6-7681-4e7e-9fed-7268e13b32c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_083985b6-7681-4e7e-9fed-7268e13b32c0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_bdd78f0b-7554-403c-b9a4-78582d3aeb7f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_bdd78f0b-7554-403c-b9a4-78582d3aeb7f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_b331ddb6-1bab-4649-8d15-db7c1182a119" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_9b13ecc1-d52c-4a66-b69c-1231fd151f09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_275c7142-b8fa-4433-b6d4-44080f8affe4" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_9b13ecc1-d52c-4a66-b69c-1231fd151f09" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_9b13ecc1-d52c-4a66-b69c-1231fd151f09" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_9a52d2f2-7d0b-4f7e-a277-7a575f3785bc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_9a52d2f2-7d0b-4f7e-a277-7a575f3785bc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_28128740-f8f2-45d9-812e-aed55c9db4ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_28128740-f8f2-45d9-812e-aed55c9db4ca" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_cdf603d4-ff10-4e10-92f1-2b148583c27f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_cdf603d4-ff10-4e10-92f1-2b148583c27f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_aa8972b2-9ec1-40aa-a542-e2b09f0a0110" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_4893ea13-55e5-4728-b606-43018a1d85b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_4893ea13-55e5-4728-b606-43018a1d85b5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_4893ea13-55e5-4728-b606-43018a1d85b5_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_4893ea13-55e5-4728-b606-43018a1d85b5" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_4893ea13-55e5-4728-b606-43018a1d85b5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_37904c74-90e7-4970-9fa4-5142956150da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_4893ea13-55e5-4728-b606-43018a1d85b5" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_37904c74-90e7-4970-9fa4-5142956150da" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_583ae15b-3329-45f0-8212-9ba31ef9b90d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_37904c74-90e7-4970-9fa4-5142956150da" xlink:to="loc_us-gaap_InterestRateSwapMember_583ae15b-3329-45f0-8212-9ba31ef9b90d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsFHLBAdvancesMember_b6e4450b-70fe-4b73-989a-1e293db15b55" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsFHLBAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_37904c74-90e7-4970-9fa4-5142956150da" xlink:to="loc_fbc_InterestRateSwapsFHLBAdvancesMember_b6e4450b-70fe-4b73-989a-1e293db15b55" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_1ffc5423-ed90-4e43-8b41-e464d1552dde" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:to="loc_us-gaap_HedgingDesignationAxis_1ffc5423-ed90-4e43-8b41-e464d1552dde" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_1ffc5423-ed90-4e43-8b41-e464d1552dde_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_1ffc5423-ed90-4e43-8b41-e464d1552dde" xlink:to="loc_us-gaap_HedgingDesignationDomain_1ffc5423-ed90-4e43-8b41-e464d1552dde_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_60149dcc-c06c-4590-89ee-671c006cff33" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_1ffc5423-ed90-4e43-8b41-e464d1552dde" xlink:to="loc_us-gaap_HedgingDesignationDomain_60149dcc-c06c-4590-89ee-671c006cff33" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_1d73604e-168f-463c-829d-43b9235caf53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_60149dcc-c06c-4590-89ee-671c006cff33" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_1d73604e-168f-463c-829d-43b9235caf53" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_de92eaf3-ccdf-4844-8b34-71714bffed1f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_de92eaf3-ccdf-4844-8b34-71714bffed1f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_de92eaf3-ccdf-4844-8b34-71714bffed1f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_de92eaf3-ccdf-4844-8b34-71714bffed1f" xlink:to="loc_us-gaap_HedgingRelationshipDomain_de92eaf3-ccdf-4844-8b34-71714bffed1f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_6d2a75b6-ac85-41ae-80c4-9a80690be26c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_de92eaf3-ccdf-4844-8b34-71714bffed1f" xlink:to="loc_us-gaap_HedgingRelationshipDomain_6d2a75b6-ac85-41ae-80c4-9a80690be26c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_f789c935-167e-4f7c-a93b-57501fc8c26b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_6d2a75b6-ac85-41ae-80c4-9a80690be26c" xlink:to="loc_us-gaap_CashFlowHedgingMember_f789c935-167e-4f7c-a93b-57501fc8c26b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_2fef8061-6e0d-4e2e-a7b3-dd3414c59f7c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_2fef8061-6e0d-4e2e-a7b3-dd3414c59f7c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotionalAmount_217dff87-6488-49b7-8d0e-144440d533c2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_DerivativeAssetNotionalAmount_217dff87-6488-49b7-8d0e-144440d533c2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_8cc02d30-7d2d-474d-a011-b254a88ec044" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_8cc02d30-7d2d-474d-a011-b254a88ec044" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAmountOfHedgedItem_cdc030e9-8d6b-40e0-baa7-3e0032768cbe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAmountOfHedgedItem"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_DerivativeAmountOfHedgedItem_cdc030e9-8d6b-40e0-baa7-3e0032768cbe" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1_4c70582c-9715-4412-b641-d1f1a9c2aedc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1_4c70582c-9715-4412-b641-d1f1a9c2aedc" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_0b09ed43-9d52-4df5-90d8-7b73fd4f6f04" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_DerivativeNotionalAmount_0b09ed43-9d52-4df5-90d8-7b73fd4f6f04" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet_c40c3553-c319-4f31-a322-cf7912bd092b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet_c40c3553-c319-4f31-a322-cf7912bd092b" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_8da26886-4574-4afe-9d1d-2ec98c85ddde" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_8da26886-4574-4afe-9d1d-2ec98c85ddde" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_ceae5a46-f4ef-4c94-b9f7-ba08e6966012" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:to="loc_us-gaap_HedgingDesignationAxis_ceae5a46-f4ef-4c94-b9f7-ba08e6966012" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_ceae5a46-f4ef-4c94-b9f7-ba08e6966012_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_ceae5a46-f4ef-4c94-b9f7-ba08e6966012" xlink:to="loc_us-gaap_HedgingDesignationDomain_ceae5a46-f4ef-4c94-b9f7-ba08e6966012_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_df36c1b0-3088-440a-9a75-5ad8d254a78b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_ceae5a46-f4ef-4c94-b9f7-ba08e6966012" xlink:to="loc_us-gaap_HedgingDesignationDomain_df36c1b0-3088-440a-9a75-5ad8d254a78b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_094b9d6d-d50b-4e6a-ad97-4cc0f9f4a76a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_df36c1b0-3088-440a-9a75-5ad8d254a78b" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_094b9d6d-d50b-4e6a-ad97-4cc0f9f4a76a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_1b3b4e02-4061-42ca-bd92-2b8bad896015" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_df36c1b0-3088-440a-9a75-5ad8d254a78b" xlink:to="loc_us-gaap_NondesignatedMember_1b3b4e02-4061-42ca-bd92-2b8bad896015" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_34c473d3-d50c-48bf-aeff-f842e5962813" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_34c473d3-d50c-48bf-aeff-f842e5962813" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_34c473d3-d50c-48bf-aeff-f842e5962813_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_34c473d3-d50c-48bf-aeff-f842e5962813" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_34c473d3-d50c-48bf-aeff-f842e5962813_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_34c473d3-d50c-48bf-aeff-f842e5962813" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsFHLBAdvancesMember_2fff759e-7277-4cc0-bce5-1ac290a4081e" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsFHLBAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_fbc_InterestRateSwapsFHLBAdvancesMember_2fff759e-7277-4cc0-bce5-1ac290a4081e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_edecf572-a0df-4b6c-b0a5-91bd0a951f7f" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_edecf572-a0df-4b6c-b0a5-91bd0a951f7f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FutureMember_087564b2-7362-43fb-8c24-acf5ccfb88df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FutureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_us-gaap_FutureMember_087564b2-7362-43fb-8c24-acf5ccfb88df" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_7e4ea93a-4fe4-49f3-850d-5706d3661e2b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_7e4ea93a-4fe4-49f3-850d-5706d3661e2b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_57a57956-fb17-45ff-ad80-f09aaf953e05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_57a57956-fb17-45ff-ad80-f09aaf953e05" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsandSwaptionsMember_60053cbb-a39b-4adb-962c-532c788e557a" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsandSwaptionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_fbc_InterestRateSwapsandSwaptionsMember_60053cbb-a39b-4adb-962c-532c788e557a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationAxis_190af050-34d8-4b03-8318-b85504a9e428" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BalanceSheetLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:to="loc_us-gaap_BalanceSheetLocationAxis_190af050-34d8-4b03-8318-b85504a9e428" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_190af050-34d8-4b03-8318-b85504a9e428_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_190af050-34d8-4b03-8318-b85504a9e428" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_190af050-34d8-4b03-8318-b85504a9e428_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_b35655b7-a577-49f1-8e21-49f9703e88cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_190af050-34d8-4b03-8318-b85504a9e428" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_b35655b7-a577-49f1-8e21-49f9703e88cb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMember_8dd634ec-ab74-4b4e-ba65-bd19a6cd4e71" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssetsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_b35655b7-a577-49f1-8e21-49f9703e88cb" xlink:to="loc_us-gaap_OtherAssetsMember_8dd634ec-ab74-4b4e-ba65-bd19a6cd4e71" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesMember_9992332e-ed2a-402a-827a-cc51d722f909" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilitiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_b35655b7-a577-49f1-8e21-49f9703e88cb" xlink:to="loc_us-gaap_OtherLiabilitiesMember_9992332e-ed2a-402a-827a-cc51d722f909" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_79cd4950-9cf1-4e9e-b0ae-37ee5535e5d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_79cd4950-9cf1-4e9e-b0ae-37ee5535e5d1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_79cd4950-9cf1-4e9e-b0ae-37ee5535e5d1_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_79cd4950-9cf1-4e9e-b0ae-37ee5535e5d1" xlink:to="loc_us-gaap_HedgingRelationshipDomain_79cd4950-9cf1-4e9e-b0ae-37ee5535e5d1_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_a38baccc-1445-40ab-9b46-f4e54141def7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_79cd4950-9cf1-4e9e-b0ae-37ee5535e5d1" xlink:to="loc_us-gaap_HedgingRelationshipDomain_a38baccc-1445-40ab-9b46-f4e54141def7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_c6420fd7-97c4-407d-9b8d-be6b0e71dfc9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_a38baccc-1445-40ab-9b46-f4e54141def7" xlink:to="loc_us-gaap_CashFlowHedgingMember_c6420fd7-97c4-407d-9b8d-be6b0e71dfc9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_0d3e6b86-7175-48e5-ba46-3cf2bd3c1348" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_a38baccc-1445-40ab-9b46-f4e54141def7" xlink:to="loc_us-gaap_FairValueHedgingMember_0d3e6b86-7175-48e5-ba46-3cf2bd3c1348" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsAbstract_a9237d29-d6f5-491f-b34c-1421d9a2faff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_8da26886-4574-4afe-9d1d-2ec98c85ddde" xlink:to="loc_us-gaap_DerivativeAssetsAbstract_a9237d29-d6f5-491f-b34c-1421d9a2faff" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotionalAmount_ca63745a-fcb6-455e-bff6-9090c099abd9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_a9237d29-d6f5-491f-b34c-1421d9a2faff" xlink:to="loc_us-gaap_DerivativeAssetNotionalAmount_ca63745a-fcb6-455e-bff6-9090c099abd9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_96c1f7bd-76d6-407b-9608-199d886a6cee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_a9237d29-d6f5-491f-b34c-1421d9a2faff" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_96c1f7bd-76d6-407b-9608-199d886a6cee" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitiesAbstract_5a5b9de2-c3d7-4c67-b5d6-386464b8a78d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_8da26886-4574-4afe-9d1d-2ec98c85ddde" xlink:to="loc_us-gaap_DerivativeLiabilitiesAbstract_5a5b9de2-c3d7-4c67-b5d6-386464b8a78d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotionalAmount_08d98f95-242c-4ccd-9ef3-c9e4388a8af3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_5a5b9de2-c3d7-4c67-b5d6-386464b8a78d" xlink:to="loc_us-gaap_DerivativeLiabilityNotionalAmount_08d98f95-242c-4ccd-9ef3-c9e4388a8af3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_d85b6442-42cc-4458-94b2-3a5f60eeb2a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_5a5b9de2-c3d7-4c67-b5d6-386464b8a78d" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_d85b6442-42cc-4458-94b2-3a5f60eeb2a8" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsLineItems_4bdcbc74-7b74-4373-8ac4-29e4bfdcbfae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTable_47a2815f-b92e-477b-9c3e-ad82f0f314f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_4bdcbc74-7b74-4373-8ac4-29e4bfdcbfae" xlink:to="loc_us-gaap_OffsettingAssetsTable_47a2815f-b92e-477b-9c3e-ad82f0f314f4" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_95dc9c36-c005-4262-8d6a-ca2d7281ade9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OffsettingAssetsTable_47a2815f-b92e-477b-9c3e-ad82f0f314f4" xlink:to="loc_us-gaap_HedgingDesignationAxis_95dc9c36-c005-4262-8d6a-ca2d7281ade9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_95dc9c36-c005-4262-8d6a-ca2d7281ade9_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_95dc9c36-c005-4262-8d6a-ca2d7281ade9" xlink:to="loc_us-gaap_HedgingDesignationDomain_95dc9c36-c005-4262-8d6a-ca2d7281ade9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_c85c51ad-2ffa-4f26-bf8c-c25c7346a31d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_95dc9c36-c005-4262-8d6a-ca2d7281ade9" xlink:to="loc_us-gaap_HedgingDesignationDomain_c85c51ad-2ffa-4f26-bf8c-c25c7346a31d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_1367e502-e3e0-48c5-9cfc-7c819134202b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_c85c51ad-2ffa-4f26-bf8c-c25c7346a31d" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_1367e502-e3e0-48c5-9cfc-7c819134202b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_3cf82db5-2a0d-4e3d-b288-b7e733fda05f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_c85c51ad-2ffa-4f26-bf8c-c25c7346a31d" xlink:to="loc_us-gaap_NondesignatedMember_3cf82db5-2a0d-4e3d-b288-b7e733fda05f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_af184b1b-6868-4ae0-a489-7b8ed32f034f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OffsettingAssetsTable_47a2815f-b92e-477b-9c3e-ad82f0f314f4" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_af184b1b-6868-4ae0-a489-7b8ed32f034f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_af184b1b-6868-4ae0-a489-7b8ed32f034f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_af184b1b-6868-4ae0-a489-7b8ed32f034f" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_af184b1b-6868-4ae0-a489-7b8ed32f034f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_af184b1b-6868-4ae0-a489-7b8ed32f034f" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsFHLBAdvancesMember_f6868c8c-41a9-47da-8f64-73ef05c9bc6b" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsFHLBAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_fbc_InterestRateSwapsFHLBAdvancesMember_f6868c8c-41a9-47da-8f64-73ef05c9bc6b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_65cedc5e-a50f-4482-95e8-196f42cc7735" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_65cedc5e-a50f-4482-95e8-196f42cc7735" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_1c742d2a-a6be-45b4-8941-7ff295857e8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_1c742d2a-a6be-45b4-8941-7ff295857e8d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwaptionMember_3024daa4-c42b-4d22-8256-0c26529775ed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwaptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_us-gaap_InterestRateSwaptionMember_3024daa4-c42b-4d22-8256-0c26529775ed" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FutureMember_7de18597-cee5-425e-97ac-73448ed38ffb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FutureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_us-gaap_FutureMember_7de18597-cee5-425e-97ac-73448ed38ffb" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_0a2c8183-abd4-44de-80ef-ea1e78f0fb88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_us-gaap_InterestRateSwapMember_0a2c8183-abd4-44de-80ef-ea1e78f0fb88" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_4bdcbc74-7b74-4373-8ac4-29e4bfdcbfae" xlink:to="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_bba0634d-d824-4449-bad6-e306ac1559b7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_bba0634d-d824-4449-bad6-e306ac1559b7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_d8cb5553-1cc9-4900-b6ff-ad4e5d3c3d09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_d8cb5553-1cc9-4900-b6ff-ad4e5d3c3d09" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_b4c9a4f0-37f3-4626-8355-ddeabee05f37" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeAssets_b4c9a4f0-37f3-4626-8355-ddeabee05f37" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_c408b6cf-2a8a-448c-8bd5-72a771835f29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_c408b6cf-2a8a-448c-8bd5-72a771835f29" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash_70c849ef-782e-4711-bf37-c896e8926af3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnCash_70c849ef-782e-4711-bf37-c896e8926af3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_4bdcbc74-7b74-4373-8ac4-29e4bfdcbfae" xlink:to="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_e91c7a9e-ad5f-441c-bfbf-1b149bef1f64" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_e91c7a9e-ad5f-441c-bfbf-1b149bef1f64" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_21682d6f-199e-4e0a-ab25-7c8aa9a94860" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_21682d6f-199e-4e0a-ab25-7c8aa9a94860" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_8e8a5ee6-3fa9-470b-bddc-0ab8ecb6c7d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeLiabilities_8e8a5ee6-3fa9-470b-bddc-0ab8ecb6c7d6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_89b32896-7bc2-4901-9be1-fd695cbcb25f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralRightToReclaimSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_89b32896-7bc2-4901-9be1-fd695cbcb25f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_21c2b31f-9206-44d2-851a-b9698230bf22" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_21c2b31f-9206-44d2-851a-b9698230bf22" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_97aea8f5-027c-4fd5-a547-5d57b34893ff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_e0e7e37b-9d26-4783-a376-602fced85f89" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_97aea8f5-027c-4fd5-a547-5d57b34893ff" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_e0e7e37b-9d26-4783-a376-602fced85f89" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_bf4b8d5c-4fe8-4a68-91ba-7a76645dcacc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_e0e7e37b-9d26-4783-a376-602fced85f89" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_bf4b8d5c-4fe8-4a68-91ba-7a76645dcacc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_bf4b8d5c-4fe8-4a68-91ba-7a76645dcacc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_bf4b8d5c-4fe8-4a68-91ba-7a76645dcacc" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_bf4b8d5c-4fe8-4a68-91ba-7a76645dcacc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_25f47402-faf4-4c41-b639-9c2a07fb5c0d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_bf4b8d5c-4fe8-4a68-91ba-7a76645dcacc" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_25f47402-faf4-4c41-b639-9c2a07fb5c0d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SwapFHLBMember_a7425cbc-c0ae-47bc-bc9f-b8d402eb7cbe" xlink:href="fbc-20231231.xsd#fbc_SwapFHLBMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_25f47402-faf4-4c41-b639-9c2a07fb5c0d" xlink:to="loc_fbc_SwapFHLBMember_a7425cbc-c0ae-47bc-bc9f-b8d402eb7cbe" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_32414c6d-08ee-49d4-96be-914493a46f9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_97aea8f5-027c-4fd5-a547-5d57b34893ff" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_32414c6d-08ee-49d4-96be-914493a46f9c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_5886299c-509e-4b6a-bb0f-0b20645c6312" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_97aea8f5-027c-4fd5-a547-5d57b34893ff" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_5886299c-509e-4b6a-bb0f-0b20645c6312" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_4d713995-dffc-48cb-9261-13ec7c73544b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_60df1ffd-1ef1-49a7-9ef6-2dda4bd5c197" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_4d713995-dffc-48cb-9261-13ec7c73544b" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_60df1ffd-1ef1-49a7-9ef6-2dda4bd5c197" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_768990dd-3b9e-457a-8bec-5635c335a806" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_60df1ffd-1ef1-49a7-9ef6-2dda4bd5c197" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_768990dd-3b9e-457a-8bec-5635c335a806" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_768990dd-3b9e-457a-8bec-5635c335a806_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_768990dd-3b9e-457a-8bec-5635c335a806" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_768990dd-3b9e-457a-8bec-5635c335a806_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_768990dd-3b9e-457a-8bec-5635c335a806" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FutureMember_a9fc21bd-d6e2-47cd-8bb0-6917faaa9f1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FutureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_us-gaap_FutureMember_a9fc21bd-d6e2-47cd-8bb0-6917faaa9f1c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsandSwaptionsMember_a9a4e03a-7410-460f-b6dd-3f7666e24692" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsandSwaptionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_fbc_InterestRateSwapsandSwaptionsMember_a9a4e03a-7410-460f-b6dd-3f7666e24692" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_0664b686-20da-4ab0-a4ff-1331ec8d2549" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_0664b686-20da-4ab0-a4ff-1331ec8d2549" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember_5b152114-6316-456d-b258-ae5cbff17c44" xlink:href="fbc-20231231.xsd#fbc_RateLockCommitmentsAndUSTreasuryFuturesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember_5b152114-6316-456d-b258-ae5cbff17c44" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForwardCommitmentsMember_44999619-af1d-449c-837c-9e62a7f4f978" xlink:href="fbc-20231231.xsd#fbc_ForwardCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_fbc_ForwardCommitmentsMember_44999619-af1d-449c-837c-9e62a7f4f978" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_f4b3c5b2-7465-4d8b-842f-c1b2a1567693" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_us-gaap_InterestRateSwapMember_f4b3c5b2-7465-4d8b-842f-c1b2a1567693" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_b5df8ca1-b0ce-4f2e-b459-f05831d7f761" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_60df1ffd-1ef1-49a7-9ef6-2dda4bd5c197" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_b5df8ca1-b0ce-4f2e-b459-f05831d7f761" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_b5df8ca1-b0ce-4f2e-b459-f05831d7f761_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_b5df8ca1-b0ce-4f2e-b459-f05831d7f761" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_b5df8ca1-b0ce-4f2e-b459-f05831d7f761_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_b5df8ca1-b0ce-4f2e-b459-f05831d7f761" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember_54fbe8ec-9b8c-44b7-9826-6d92d322388f" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMSRImpairmentRecoveryMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:to="loc_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember_54fbe8ec-9b8c-44b7-9826-6d92d322388f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GainLossOnSaleOfFinancingReceivableMember_e72e6cb1-15fc-49a5-977c-a6ffa9acb3ab" xlink:href="fbc-20231231.xsd#fbc_GainLossOnSaleOfFinancingReceivableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:to="loc_fbc_GainLossOnSaleOfFinancingReceivableMember_e72e6cb1-15fc-49a5-977c-a6ffa9acb3ab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NoninterestIncomeOtherOperatingIncomeMember_cd57e44f-fcc6-42f8-98bd-42f6de795297" xlink:href="fbc-20231231.xsd#fbc_NoninterestIncomeOtherOperatingIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:to="loc_fbc_NoninterestIncomeOtherOperatingIncomeMember_cd57e44f-fcc6-42f8-98bd-42f6de795297" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_c827953a-8bf6-4353-8d9b-1953fee2b286" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_4d713995-dffc-48cb-9261-13ec7c73544b" xlink:to="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_c827953a-8bf6-4353-8d9b-1953fee2b286" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssetsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_b84f9fd0-7713-4dd2-af19-a1623425f9dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_b9b8cd25-520f-4b51-8d66-ec287ef97c83" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_b84f9fd0-7713-4dd2-af19-a1623425f9dc" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_b9b8cd25-520f-4b51-8d66-ec287ef97c83" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_eab0c6b6-2e2e-480e-bbe8-8d2d4521eb55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_b9b8cd25-520f-4b51-8d66-ec287ef97c83" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_eab0c6b6-2e2e-480e-bbe8-8d2d4521eb55" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_eab0c6b6-2e2e-480e-bbe8-8d2d4521eb55_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_eab0c6b6-2e2e-480e-bbe8-8d2d4521eb55" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_eab0c6b6-2e2e-480e-bbe8-8d2d4521eb55_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_6640be04-c79a-4b7b-9be3-2f3300a1ddfc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_eab0c6b6-2e2e-480e-bbe8-8d2d4521eb55" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_6640be04-c79a-4b7b-9be3-2f3300a1ddfc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_ddc89140-971e-411d-8f5f-b1860d963f2b" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_6640be04-c79a-4b7b-9be3-2f3300a1ddfc" xlink:to="loc_fbc_SignatureBridgeBankMember_ddc89140-971e-411d-8f5f-b1860d963f2b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_c4d64684-8b8b-459d-a06e-77e609a6b263" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_b9b8cd25-520f-4b51-8d66-ec287ef97c83" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_c4d64684-8b8b-459d-a06e-77e609a6b263" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_c4d64684-8b8b-459d-a06e-77e609a6b263_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_c4d64684-8b8b-459d-a06e-77e609a6b263" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_c4d64684-8b8b-459d-a06e-77e609a6b263_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_d76861ca-4679-4d66-9b5b-b55619134694" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_c4d64684-8b8b-459d-a06e-77e609a6b263" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_d76861ca-4679-4d66-9b5b-b55619134694" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIntangibleAssetsMember_bb29e882-6eb0-4c36-8235-920fa63294ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherIntangibleAssetsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_d76861ca-4679-4d66-9b5b-b55619134694" xlink:to="loc_us-gaap_OtherIntangibleAssetsMember_bb29e882-6eb0-4c36-8235-920fa63294ec" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_715f6ae7-46a5-46b1-834e-ce5cb55ea58a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_b84f9fd0-7713-4dd2-af19-a1623425f9dc" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_715f6ae7-46a5-46b1-834e-ce5cb55ea58a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_c131325b-793b-41ee-910a-afbe91fcb7b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_b84f9fd0-7713-4dd2-af19-a1623425f9dc" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_c131325b-793b-41ee-910a-afbe91fcb7b2" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssetsScheduleIntangibleAssetsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_71732d49-cf3c-4bfd-baa9-9dc7ff9772ad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_71732d49-cf3c-4bfd-baa9-9dc7ff9772ad" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_115d8a9a-d7c5-49c0-ad0c-c342959cbb81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_71732d49-cf3c-4bfd-baa9-9dc7ff9772ad" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_115d8a9a-d7c5-49c0-ad0c-c342959cbb81" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_115d8a9a-d7c5-49c0-ad0c-c342959cbb81_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_115d8a9a-d7c5-49c0-ad0c-c342959cbb81" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_115d8a9a-d7c5-49c0-ad0c-c342959cbb81_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_e8bdfa8e-37b4-4277-9e69-1d857adb9665" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_115d8a9a-d7c5-49c0-ad0c-c342959cbb81" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_e8bdfa8e-37b4-4277-9e69-1d857adb9665" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_235a1c3e-900f-46d4-bd72-68ea289ab3e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CoreDepositsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_e8bdfa8e-37b4-4277-9e69-1d857adb9665" xlink:to="loc_us-gaap_CoreDepositsMember_235a1c3e-900f-46d4-bd72-68ea289ab3e1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIntangibleAssetsMember_5e35cd50-84ac-401e-a156-57c60c2dfc6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherIntangibleAssetsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_e8bdfa8e-37b4-4277-9e69-1d857adb9665" xlink:to="loc_us-gaap_OtherIntangibleAssetsMember_5e35cd50-84ac-401e-a156-57c60c2dfc6c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_828f570a-b170-4887-b750-62bf054a628b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_828f570a-b170-4887-b750-62bf054a628b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_461c4833-a855-4d37-a85a-7e3ca0715fce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_461c4833-a855-4d37-a85a-7e3ca0715fce" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_f87358ec-2680-47ab-80f5-6873c80e3a62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_f87358ec-2680-47ab-80f5-6873c80e3a62" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CapitalActualCapitalAmountandRatiosDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_bd6827f4-f5ab-4028-9b58-5356c7ebfebf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_bd6827f4-f5ab-4028-9b58-5356c7ebfebf" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_7678dc1f-9d17-47aa-b43a-7ae63f96cd3a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_bd6827f4-f5ab-4028-9b58-5356c7ebfebf" xlink:to="loc_srt_ConsolidatedEntitiesAxis_7678dc1f-9d17-47aa-b43a-7ae63f96cd3a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_7678dc1f-9d17-47aa-b43a-7ae63f96cd3a_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_7678dc1f-9d17-47aa-b43a-7ae63f96cd3a" xlink:to="loc_srt_ConsolidatedEntitiesDomain_7678dc1f-9d17-47aa-b43a-7ae63f96cd3a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_739e89af-d433-4773-93b6-db5143c4d647" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_7678dc1f-9d17-47aa-b43a-7ae63f96cd3a" xlink:to="loc_srt_ConsolidatedEntitiesDomain_739e89af-d433-4773-93b6-db5143c4d647" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_cbe2adcb-f4e8-46e2-9706-e8c9fabbd17e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_739e89af-d433-4773-93b6-db5143c4d647" xlink:to="loc_srt_ParentCompanyMember_cbe2adcb-f4e8-46e2-9706-e8c9fabbd17e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SubsidiariesMember_a6b30f80-7800-444a-ae01-a6fffd2762e6" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_SubsidiariesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_739e89af-d433-4773-93b6-db5143c4d647" xlink:to="loc_srt_SubsidiariesMember_a6b30f80-7800-444a-ae01-a6fffd2762e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_a9d1ceab-5d16-45bc-b620-a6aad72db367" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_bd6827f4-f5ab-4028-9b58-5356c7ebfebf" xlink:to="loc_us-gaap_StatementClassOfStockAxis_a9d1ceab-5d16-45bc-b620-a6aad72db367" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_a9d1ceab-5d16-45bc-b620-a6aad72db367_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_a9d1ceab-5d16-45bc-b620-a6aad72db367" xlink:to="loc_us-gaap_ClassOfStockDomain_a9d1ceab-5d16-45bc-b620-a6aad72db367_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_98db8744-5022-4491-8e9c-d4a32d9007cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_a9d1ceab-5d16-45bc-b620-a6aad72db367" xlink:to="loc_us-gaap_ClassOfStockDomain_98db8744-5022-4491-8e9c-d4a32d9007cc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_45da7437-caf0-4a84-8232-0440578d1caf" xlink:href="fbc-20231231.xsd#fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_98db8744-5022-4491-8e9c-d4a32d9007cc" xlink:to="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_45da7437-caf0-4a84-8232-0440578d1caf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital_60aa5365-4ec1-4dd4-b653-b7e9e9129ecd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_us-gaap_CommonEquityTierOneCapital_60aa5365-4ec1-4dd4-b653-b7e9e9129ecd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRatio_85cfcdb7-1d7c-4490-aacd-97b2ddc01737" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRatio_85cfcdb7-1d7c-4490-aacd-97b2ddc01737" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_2619ce54-d3ae-4c34-a227-a3f40737efc9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_2619ce54-d3ae-4c34-a227-a3f40737efc9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_c7379fda-279c-4e51-a36d-d55035d1ff3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_c7379fda-279c-4e51-a36d-d55035d1ff3c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess_4787590b-1a23-4506-979c-4d22c0efb0bc" xlink:href="fbc-20231231.xsd#fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess_4787590b-1a23-4506-979c-4d22c0efb0bc" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio_28178ac9-9c56-44c4-919d-9e81c58e24f2" xlink:href="fbc-20231231.xsd#fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio_28178ac9-9c56-44c4-919d-9e81c58e24f2" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital_64462d2d-844d-4e91-b3cc-cb32658c1322" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_TierOneRiskBasedCapital_64462d2d-844d-4e91-b3cc-cb32658c1322" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_1727a1d7-b6ab-404b-93fc-8cbd7b005c34" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_1727a1d7-b6ab-404b-93fc-8cbd7b005c34" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_9cdffc91-e3e5-4b1c-8c08-7d3bf40c7b24" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_9cdffc91-e3e5-4b1c-8c08-7d3bf40c7b24" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_aa609d0a-379c-4010-b3d3-99d5741c3bc0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_aa609d0a-379c-4010-b3d3-99d5741c3bc0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessTierOneRiskBasedCapital_5eadd368-ca5b-410e-8795-4ceb03b70442" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessTierOneRiskBasedCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_ExcessTierOneRiskBasedCapital_5eadd368-ca5b-410e-8795-4ceb03b70442" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets_629d0ebe-8fcd-4215-a16e-a045d1815674" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessTierOneLeverageCapitalToAverageAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets_629d0ebe-8fcd-4215-a16e-a045d1815674" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital_8088ab2c-9c19-49c2-9759-c401f4969075" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Capital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_Capital_8088ab2c-9c19-49c2-9759-c401f4969075" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets_3aedc4b6-41ed-4d7b-8a39-42c23966ae46" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_CapitalToRiskWeightedAssets_3aedc4b6-41ed-4d7b-8a39-42c23966ae46" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy_184dae01-c281-4e2b-a608-494cd7795897" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacy_184dae01-c281-4e2b-a608-494cd7795897" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_0962c112-70c0-442c-a309-215b3375f834" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_0962c112-70c0-442c-a309-215b3375f834" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessCapital_67ece623-7121-412c-804d-20c4923f819d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_ExcessCapital_67ece623-7121-412c-804d-20c4923f819d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessCapitalToRiskWeightedAssets_8aa1a386-0594-4d9b-b770-c3f955fcde86" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessCapitalToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_ExcessCapitalToRiskWeightedAssets_8aa1a386-0594-4d9b-b770-c3f955fcde86" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital_dc5389d4-5e48-4800-9393-1e1ce1dfd25a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_TierOneLeverageCapital_dc5389d4-5e48-4800-9393-1e1ce1dfd25a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_8fc80f13-1341-4d06-8c1b-350725175815" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_8fc80f13-1341-4d06-8c1b-350725175815" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_2dea0c21-cfe0-4610-990c-ae580be4387e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_2dea0c21-cfe0-4610-990c-ae580be4387e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_315117c1-f2de-4c02-95e3-0ecc3f599fb2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_315117c1-f2de-4c02-95e3-0ecc3f599fb2" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessTierOneLeverageCapital_7cbce59e-84f6-4a44-ae21-f0a09c539e02" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessTierOneLeverageCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_ExcessTierOneLeverageCapital_7cbce59e-84f6-4a44-ae21-f0a09c539e02" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankingRegulationTier1LeverageCapitalExcessRatio_707e1734-552b-4661-9d40-650778c47c52" xlink:href="fbc-20231231.xsd#fbc_BankingRegulationTier1LeverageCapitalExcessRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_fbc_BankingRegulationTier1LeverageCapitalExcessRatio_707e1734-552b-4661-9d40-650778c47c52" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestInPreferredStock_26281986-5ea1-4325-920d-2af1ee2da7be" xlink:href="fbc-20231231.xsd#fbc_InterestInPreferredStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_fbc_InterestInPreferredStock_26281986-5ea1-4325-920d-2af1ee2da7be" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_0dfb6671-d321-42c9-a7bc-9973c04390aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_0dfb6671-d321-42c9-a7bc-9973c04390aa" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CapitalPreferredStockandTreasuryStockDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_c1c0bfc5-6ebe-4e6e-8d59-2e897d1f94e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_c1c0bfc5-6ebe-4e6e-8d59-2e897d1f94e4" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_3a9fc361-33f0-4b65-bd0d-97dd66c2537d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_c1c0bfc5-6ebe-4e6e-8d59-2e897d1f94e4" xlink:to="loc_us-gaap_StatementClassOfStockAxis_3a9fc361-33f0-4b65-bd0d-97dd66c2537d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_3a9fc361-33f0-4b65-bd0d-97dd66c2537d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3a9fc361-33f0-4b65-bd0d-97dd66c2537d" xlink:to="loc_us-gaap_ClassOfStockDomain_3a9fc361-33f0-4b65-bd0d-97dd66c2537d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_8e995acc-da38-4003-a083-9408ea3e6b8f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3a9fc361-33f0-4b65-bd0d-97dd66c2537d" xlink:to="loc_us-gaap_ClassOfStockDomain_8e995acc-da38-4003-a083-9408ea3e6b8f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_5dc90b60-d8c2-4b09-adb5-0a4db830d60c" xlink:href="fbc-20231231.xsd#fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_8e995acc-da38-4003-a083-9408ea3e6b8f" xlink:to="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_5dc90b60-d8c2-4b09-adb5-0a4db830d60c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_3c9c4043-a28e-4241-9b37-f71d6de04787" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_3c9c4043-a28e-4241-9b37-f71d6de04787" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_f92e1692-8f62-47a4-a888-5b699936f154" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_f92e1692-8f62-47a4-a888-5b699936f154" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_a0ae0673-ca51-45e1-aae3-f3116aeda125" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_a0ae0673-ca51-45e1-aae3-f3116aeda125" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PreferredStockLiquidationPreferencePerDepositaryShare_33fb23ec-2686-4c6e-85a3-b0687dcc29f5" xlink:href="fbc-20231231.xsd#fbc_PreferredStockLiquidationPreferencePerDepositaryShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_fbc_PreferredStockLiquidationPreferencePerDepositaryShare_33fb23ec-2686-4c6e-85a3-b0687dcc29f5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_1c6f0024-f39e-454a-960e-b4634d8e99c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_1c6f0024-f39e-454a-960e-b4634d8e99c7" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage_80ea9625-580c-45c8-abfe-211d59f8279e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_PreferredStockDividendRatePercentage_80ea9625-580c-45c8-abfe-211d59f8279e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate_54792d18-a969-4b83-a706-34937b777c5a" xlink:href="fbc-20231231.xsd#fbc_PreferredStockDividendRateBasisSpreadOnVariableRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate_54792d18-a969-4b83-a706-34937b777c5a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_7acb9db6-24c8-4ec7-9a63-d59df761bc47" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_7acb9db6-24c8-4ec7-9a63-d59df761bc47" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_093b1aa6-ca7c-404c-b3f7-ad64fb818c8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_093b1aa6-ca7c-404c-b3f7-ad64fb818c8d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_258f0c91-02d7-40b8-8166-cb3efc99b63c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_258f0c91-02d7-40b8-8166-cb3efc99b63c" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_5a095536-c5b6-458b-bb49-1c5700e1e8d3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_5a095536-c5b6-458b-bb49-1c5700e1e8d3" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_ca93ace5-fe6d-41ad-a7af-c65e01125e11" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_ca93ace5-fe6d-41ad-a7af-c65e01125e11" xlink:type="arc" order="11"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_42c8fb7f-fef0-40c6-ab13-863db22bec88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_42c8fb7f-fef0-40c6-ab13-863db22bec88" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_acbac573-9364-4971-a52d-4f963075266e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_acbac573-9364-4971-a52d-4f963075266e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_acbac573-9364-4971-a52d-4f963075266e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_acbac573-9364-4971-a52d-4f963075266e" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_acbac573-9364-4971-a52d-4f963075266e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_0314f3b5-c197-4dc9-a26d-e7a19ba2ade5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_acbac573-9364-4971-a52d-4f963075266e" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_0314f3b5-c197-4dc9-a26d-e7a19ba2ade5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_8c283495-2021-4e64-9e7c-3b7fe1ee553b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_0314f3b5-c197-4dc9-a26d-e7a19ba2ade5" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_8c283495-2021-4e64-9e7c-3b7fe1ee553b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_445fe90f-6dbb-4c6f-ab5a-32fe4271205d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_445fe90f-6dbb-4c6f-ab5a-32fe4271205d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_445fe90f-6dbb-4c6f-ab5a-32fe4271205d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_445fe90f-6dbb-4c6f-ab5a-32fe4271205d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_445fe90f-6dbb-4c6f-ab5a-32fe4271205d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_445fe90f-6dbb-4c6f-ab5a-32fe4271205d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_446dd01e-b2ef-46b1-b12d-671f13ae512f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_446dd01e-b2ef-46b1-b12d-671f13ae512f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_c556c29f-26e4-4482-8081-e6509a8387a9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_c556c29f-26e4-4482-8081-e6509a8387a9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_f073606f-7175-4075-a921-afc75abf2216" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_f073606f-7175-4075-a921-afc75abf2216" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_8681dfea-676c-40f2-9f18-899aa9bbeac0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FinancialInstrumentAxis_8681dfea-676c-40f2-9f18-899aa9bbeac0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8681dfea-676c-40f2-9f18-899aa9bbeac0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_8681dfea-676c-40f2-9f18-899aa9bbeac0" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8681dfea-676c-40f2-9f18-899aa9bbeac0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1b62dbbf-bedf-4615-a268-d0509489a8e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_8681dfea-676c-40f2-9f18-899aa9bbeac0" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1b62dbbf-bedf-4615-a268-d0509489a8e4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_2069b7df-830d-4108-ac6c-2c3abf00b068" xlink:href="fbc-20231231.xsd#fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1b62dbbf-bedf-4615-a268-d0509489a8e4" xlink:to="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_2069b7df-830d-4108-ac6c-2c3abf00b068" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_2069b7df-830d-4108-ac6c-2c3abf00b068" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2a181f53-8fef-4821-a40d-828702901150" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2a181f53-8fef-4821-a40d-828702901150" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_4997de6b-3d27-4f57-bd91-c511acdcf1d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_4997de6b-3d27-4f57-bd91-c511acdcf1d5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_84e5e1ac-9c45-403a-abbc-589db6479fe2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_84e5e1ac-9c45-403a-abbc-589db6479fe2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_2069b7df-830d-4108-ac6c-2c3abf00b068" xlink:to="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_32654f69-ceab-4704-8b01-f8643720adc6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_32654f69-ceab-4704-8b01-f8643720adc6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_0dd4d52e-fd1e-4a0d-b38a-ee92787db4d8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_0dd4d52e-fd1e-4a0d-b38a-ee92787db4d8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_d6fcd824-0240-421d-88a3-1bdfed7ce178" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_d6fcd824-0240-421d-88a3-1bdfed7ce178" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_4e242820-a0aa-499b-adcd-f9d20a2b2cd5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_MunicipalBondsMember_4e242820-a0aa-499b-adcd-f9d20a2b2cd5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_456a6fa0-7efd-4a82-b391-bdb14fb76e6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_456a6fa0-7efd-4a82-b391-bdb14fb76e6c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForeignNotesMember_3cdbf5dc-bb7e-46e8-ad40-cb9f9556a10d" xlink:href="fbc-20231231.xsd#fbc_ForeignNotesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_fbc_ForeignNotesMember_3cdbf5dc-bb7e-46e8-ad40-cb9f9556a10d" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNoteSecuritiesMember_9a867dc9-5c5a-4d3f-ae1c-5f80019897ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateNoteSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_CorporateNoteSecuritiesMember_9a867dc9-5c5a-4d3f-ae1c-5f80019897ca" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_3a96a380-fbfd-4b41-a99a-d87517ece4e6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1b62dbbf-bedf-4615-a268-d0509489a8e4" xlink:to="loc_us-gaap_EquitySecuritiesMember_3a96a380-fbfd-4b41-a99a-d87517ece4e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_161f9a5f-4d59-4423-bf50-3c60a64ca4d4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MutualFundMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquitySecuritiesMember_3a96a380-fbfd-4b41-a99a-d87517ece4e6" xlink:to="loc_us-gaap_MutualFundMember_161f9a5f-4d59-4423-bf50-3c60a64ca4d4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_ad9807d8-2b1d-47b2-b56c-f897764854c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_ad9807d8-2b1d-47b2-b56c-f897764854c7" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_ad9807d8-2b1d-47b2-b56c-f897764854c7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_ad9807d8-2b1d-47b2-b56c-f897764854c7" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_ad9807d8-2b1d-47b2-b56c-f897764854c7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_ad9807d8-2b1d-47b2-b56c-f897764854c7" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsandSwaptionsMember_50205907-0840-4297-92b6-2f3cef337d1d" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsandSwaptionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:to="loc_fbc_InterestRateSwapsandSwaptionsMember_50205907-0840-4297-92b6-2f3cef337d1d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FutureMember_b1f4457f-d35e-4e8a-aab2-f2d6796fea7a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FutureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:to="loc_us-gaap_FutureMember_b1f4457f-d35e-4e8a-aab2-f2d6796fea7a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_df173fc1-bb34-4c57-8f5c-36b03dc0c574" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_df173fc1-bb34-4c57-8f5c-36b03dc0c574" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_6bc0bd84-5a26-41e2-be39-e51fc86bc6f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_6bc0bd84-5a26-41e2-be39-e51fc86bc6f5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_b0aac264-5ab3-460e-85f7-bbc52f0758a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_b0aac264-5ab3-460e-85f7-bbc52f0758a2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b0aac264-5ab3-460e-85f7-bbc52f0758a2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_b0aac264-5ab3-460e-85f7-bbc52f0758a2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b0aac264-5ab3-460e-85f7-bbc52f0758a2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ab2d0d32-caf2-461a-9501-698ada3a28b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_b0aac264-5ab3-460e-85f7-bbc52f0758a2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ab2d0d32-caf2-461a-9501-698ada3a28b2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_3bd3c60b-2d32-40bb-aa13-fa4934a6d380" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ab2d0d32-caf2-461a-9501-698ada3a28b2" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_3bd3c60b-2d32-40bb-aa13-fa4934a6d380" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cda44d2c-bbe7-43b9-b839-13f62ed097cd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cda44d2c-bbe7-43b9-b839-13f62ed097cd" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_cda44d2c-bbe7-43b9-b839-13f62ed097cd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cda44d2c-bbe7-43b9-b839-13f62ed097cd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_cda44d2c-bbe7-43b9-b839-13f62ed097cd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cda44d2c-bbe7-43b9-b839-13f62ed097cd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_e05d2769-81f0-430d-a53c-5dd06b86426d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:to="loc_us-gaap_ResidentialMortgageMember_e05d2769-81f0-430d-a53c-5dd06b86426d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_8c4a8364-e485-4513-89b6-ab9b7478e07c" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_8c4a8364-e485-4513-89b6-ab9b7478e07c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_8cffaed5-69a2-4ea1-a7bf-9406386f90f2" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_8cffaed5-69a2-4ea1-a7bf-9406386f90f2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_42c8fb7f-fef0-40c6-ab13-863db22bec88" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_7b70a0a4-7f67-493a-a926-e8bfb4fad549" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_7b70a0a4-7f67-493a-a926-e8bfb4fad549" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_fa7ac072-5fd6-43d5-867a-ecb75fd352e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_fa7ac072-5fd6-43d5-867a-ecb75fd352e0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecurities_a480baba-9337-4fad-8339-ba7653d60186" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_MarketableSecurities_a480baba-9337-4fad-8339-ba7653d60186" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_d3efca4a-9007-49b6-99f4-d4facbb883c9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_d3efca4a-9007-49b6-99f4-d4facbb883c9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_4f51f20e-9306-4dbb-a465-fca7ae54f52f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_DerivativeAssets_4f51f20e-9306-4dbb-a465-fca7ae54f52f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_60f786fe-e322-4e26-b4bd-06d35a84ee9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_60f786fe-e322-4e26-b4bd-06d35a84ee9f" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_73185102-b11b-4159-a407-30c76484da07" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_73185102-b11b-4159-a407-30c76484da07" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_79d4ffff-a1a7-4123-a471-bc631c4145f2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_42c8fb7f-fef0-40c6-ab13-863db22bec88" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_79d4ffff-a1a7-4123-a471-bc631c4145f2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_fc247158-a02b-4ff8-9161-0694ac6e781b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_79d4ffff-a1a7-4123-a471-bc631c4145f2" xlink:to="loc_us-gaap_DerivativeLiabilities_fc247158-a02b-4ff8-9161-0694ac6e781b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_de6285e3-74d3-448e-9c51-c99d1703c1aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_79d4ffff-a1a7-4123-a471-bc631c4145f2" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosure_de6285e3-74d3-448e-9c51-c99d1703c1aa" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresRollForwardofFinancialInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_596ed956-e3bb-4923-84b3-28d08cfac3dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_84600994-e4ff-40ac-9f73-28aad8bdbdf7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_596ed956-e3bb-4923-84b3-28d08cfac3dd" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_84600994-e4ff-40ac-9f73-28aad8bdbdf7" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d8cd8832-ca4f-461f-93a1-1db52725072d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_84600994-e4ff-40ac-9f73-28aad8bdbdf7" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d8cd8832-ca4f-461f-93a1-1db52725072d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_d8cd8832-ca4f-461f-93a1-1db52725072d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d8cd8832-ca4f-461f-93a1-1db52725072d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_d8cd8832-ca4f-461f-93a1-1db52725072d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b90bf2ab-69f4-4e42-a196-abb93e1d1250" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d8cd8832-ca4f-461f-93a1-1db52725072d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b90bf2ab-69f4-4e42-a196-abb93e1d1250" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_24485928-1dfb-449e-95cf-06069548ac1e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b90bf2ab-69f4-4e42-a196-abb93e1d1250" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_24485928-1dfb-449e-95cf-06069548ac1e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_19b79b7a-2b66-4902-8062-5efc7b0cf746" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_84600994-e4ff-40ac-9f73-28aad8bdbdf7" xlink:to="loc_us-gaap_FinancialInstrumentAxis_19b79b7a-2b66-4902-8062-5efc7b0cf746" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_19b79b7a-2b66-4902-8062-5efc7b0cf746_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_19b79b7a-2b66-4902-8062-5efc7b0cf746" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_19b79b7a-2b66-4902-8062-5efc7b0cf746_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_19b79b7a-2b66-4902-8062-5efc7b0cf746" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMember_5b8a7aed-9d8d-41b5-bb1d-5f078cb07126" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:to="loc_fbc_MortgageServicingRightsMember_5b8a7aed-9d8d-41b5-bb1d-5f078cb07126" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_fa81113e-3952-40d0-9237-16e6c278bd6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_fa81113e-3952-40d0-9237-16e6c278bd6c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_76958faa-4c0a-4058-b423-44f11abf191f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_76958faa-4c0a-4058-b423-44f11abf191f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_596ed956-e3bb-4923-84b3-28d08cfac3dd" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_690afac0-7fdd-44cd-bf31-3beee7d9a04a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_690afac0-7fdd-44cd-bf31-3beee7d9a04a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_4c738922-acb7-4a0a-a937-47f55c1dcb88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_4c738922-acb7-4a0a-a937-47f55c1dcb88" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_010c1c81-e480-4594-83bc-83f41529ce0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_010c1c81-e480-4594-83bc-83f41529ce0c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_1330f3e3-77ab-44f9-8d18-6e0919e16a9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_1330f3e3-77ab-44f9-8d18-6e0919e16a9b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_302e71fb-3108-4aa1-ae3a-917e64637849" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_302e71fb-3108-4aa1-ae3a-917e64637849" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_c35b5058-0a9a-4694-83a4-d60449b9ecbd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_c35b5058-0a9a-4694-83a4-d60449b9ecbd" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_9302c882-d6b5-4196-b588-f8def80f7835" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_a196f628-4cff-4ff3-9668-9ab1d58bcc9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_596ed956-e3bb-4923-84b3-28d08cfac3dd" xlink:to="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_a196f628-4cff-4ff3-9668-9ab1d58bcc9f" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_79158c85-66a3-4122-a8e9-70ac1b26e191" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_79158c85-66a3-4122-a8e9-70ac1b26e191" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_02cf9a77-c8c2-475c-a879-2ebd96bdb423" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_02cf9a77-c8c2-475c-a879-2ebd96bdb423" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_02cf9a77-c8c2-475c-a879-2ebd96bdb423_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_02cf9a77-c8c2-475c-a879-2ebd96bdb423" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_02cf9a77-c8c2-475c-a879-2ebd96bdb423_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b8520aaa-2d73-439d-8b4d-9acc704af522" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_02cf9a77-c8c2-475c-a879-2ebd96bdb423" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b8520aaa-2d73-439d-8b4d-9acc704af522" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_cfaf1a46-3d9f-4f48-8f25-972a7ee20497" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b8520aaa-2d73-439d-8b4d-9acc704af522" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_cfaf1a46-3d9f-4f48-8f25-972a7ee20497" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_6c0a4044-c8e7-4b97-98c5-aad7b10f266f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_6c0a4044-c8e7-4b97-98c5-aad7b10f266f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_6c0a4044-c8e7-4b97-98c5-aad7b10f266f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_6c0a4044-c8e7-4b97-98c5-aad7b10f266f" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_6c0a4044-c8e7-4b97-98c5-aad7b10f266f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_6c0a4044-c8e7-4b97-98c5-aad7b10f266f" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputOptionVolatilityMember_5c79e684-caed-4f5d-8cb0-810ffb15fe91" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputOptionVolatilityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_MeasurementInputOptionVolatilityMember_5c79e684-caed-4f5d-8cb0-810ffb15fe91" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember_5ccf3440-e30f-4faa-b5ab-bba84497390e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputConstantPrepaymentRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember_5ccf3440-e30f-4faa-b5ab-bba84497390e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WeightedAverageCosttoServicePerLoanMember_026efadd-3111-4de1-9187-a53c98cb2a6a" xlink:href="fbc-20231231.xsd#fbc_WeightedAverageCosttoServicePerLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_fbc_WeightedAverageCosttoServicePerLoanMember_026efadd-3111-4de1-9187-a53c98cb2a6a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MeasurementInputOriginationPullThroughMember_74c85c89-f047-4a1a-8ae7-fc42af0fd897" xlink:href="fbc-20231231.xsd#fbc_MeasurementInputOriginationPullThroughMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_fbc_MeasurementInputOriginationPullThroughMember_74c85c89-f047-4a1a-8ae7-fc42af0fd897" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDefaultRateMember_0df4ac46-a6a3-4426-8c9c-01ded6a53d7d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputDefaultRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_MeasurementInputDefaultRateMember_0df4ac46-a6a3-4426-8c9c-01ded6a53d7d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputExpectedTermMember_ca7b016d-360a-46ea-bd97-0452df66eb34" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputExpectedTermMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_MeasurementInputExpectedTermMember_ca7b016d-360a-46ea-bd97-0452df66eb34" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_21bbe51c-a6da-4d91-896e-1c9ca9341d4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_21bbe51c-a6da-4d91-896e-1c9ca9341d4e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_38d1b93f-48a3-4634-a5cb-74ae7de47375" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_srt_RangeAxis_38d1b93f-48a3-4634-a5cb-74ae7de47375" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_38d1b93f-48a3-4634-a5cb-74ae7de47375_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_38d1b93f-48a3-4634-a5cb-74ae7de47375" xlink:to="loc_srt_RangeMember_38d1b93f-48a3-4634-a5cb-74ae7de47375_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_38d1b93f-48a3-4634-a5cb-74ae7de47375" xlink:to="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_8250834d-2f3b-4587-83d2-3f2a6fb7331c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:to="loc_srt_MinimumMember_8250834d-2f3b-4587-83d2-3f2a6fb7331c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_adee6c42-90f6-4c57-bdd1-fb76c8dfa1dd" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:to="loc_srt_MaximumMember_adee6c42-90f6-4c57-bdd1-fb76c8dfa1dd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_e147dca0-6a0c-44ac-aaea-0881269cd489" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_WeightedAverageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:to="loc_srt_WeightedAverageMember_e147dca0-6a0c-44ac-aaea-0881269cd489" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_aecc1e3e-7d55-4735-8573-945b9e570928" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_aecc1e3e-7d55-4735-8573-945b9e570928" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_aecc1e3e-7d55-4735-8573-945b9e570928_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_aecc1e3e-7d55-4735-8573-945b9e570928" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_aecc1e3e-7d55-4735-8573-945b9e570928_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_44c53339-27f9-467b-addf-1ff276dcfa91" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_aecc1e3e-7d55-4735-8573-945b9e570928" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_44c53339-27f9-467b-addf-1ff276dcfa91" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_a830dc38-aed9-4383-9f65-ecec6926bd69" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_44c53339-27f9-467b-addf-1ff276dcfa91" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_a830dc38-aed9-4383-9f65-ecec6926bd69" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_962ea1a1-2b73-40ea-bd65-e522b1f6026a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_962ea1a1-2b73-40ea-bd65-e522b1f6026a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_962ea1a1-2b73-40ea-bd65-e522b1f6026a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_962ea1a1-2b73-40ea-bd65-e522b1f6026a" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_962ea1a1-2b73-40ea-bd65-e522b1f6026a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_ca09f95f-4b8d-4cd5-84a5-c4bb37439760" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_962ea1a1-2b73-40ea-bd65-e522b1f6026a" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_ca09f95f-4b8d-4cd5-84a5-c4bb37439760" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_81a12070-ce83-469e-91e6-7b69b6dda908" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_ca09f95f-4b8d-4cd5-84a5-c4bb37439760" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_81a12070-ce83-469e-91e6-7b69b6dda908" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_04a35c92-e57a-4a76-a0c1-f06d84ecdf9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_FinancialInstrumentAxis_04a35c92-e57a-4a76-a0c1-f06d84ecdf9f" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_04a35c92-e57a-4a76-a0c1-f06d84ecdf9f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_04a35c92-e57a-4a76-a0c1-f06d84ecdf9f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_04a35c92-e57a-4a76-a0c1-f06d84ecdf9f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_09520d95-dd8b-4d22-b2e5-9368f4b77138" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_04a35c92-e57a-4a76-a0c1-f06d84ecdf9f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_09520d95-dd8b-4d22-b2e5-9368f4b77138" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMember_2e242860-5687-4d81-8eaa-f89fa1885826" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_09520d95-dd8b-4d22-b2e5-9368f4b77138" xlink:to="loc_fbc_MortgageServicingRightsMember_2e242860-5687-4d81-8eaa-f89fa1885826" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_f096413d-dcbd-43e9-a952-4bb2fcd7e185" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_09520d95-dd8b-4d22-b2e5-9368f4b77138" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_f096413d-dcbd-43e9-a952-4bb2fcd7e185" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_79158c85-66a3-4122-a8e9-70ac1b26e191" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_dbc1dbaa-2b17-4c7f-8263-0a4201a904e6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_dbc1dbaa-2b17-4c7f-8263-0a4201a904e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput_0899fd39-787a-4bfc-a162-44c05449e76d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:to="loc_us-gaap_ServicingAssetMeasurementInput_0899fd39-787a-4bfc-a162-44c05449e76d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d1aab312-9066-46df-bf34-f4f30a0da24e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d1aab312-9066-46df-bf34-f4f30a0da24e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_398cb3a7-6a97-448c-9804-0936035694f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_398cb3a7-6a97-448c-9804-0936035694f0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_98f473e3-c63a-45e6-82fe-c4698b7dc0bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_79158c85-66a3-4122-a8e9-70ac1b26e191" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_98f473e3-c63a-45e6-82fe-c4698b7dc0bb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_4fe9d800-da5b-4589-acb4-6c56797dcc1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_98f473e3-c63a-45e6-82fe-c4698b7dc0bb" xlink:to="loc_us-gaap_DerivativeLiabilities_4fe9d800-da5b-4589-acb4-6c56797dcc1c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityMeasurementInput_86000f14-2edc-4684-9ac9-d9e73620ea84" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityMeasurementInput"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_98f473e3-c63a-45e6-82fe-c4698b7dc0bb" xlink:to="loc_us-gaap_DerivativeLiabilityMeasurementInput_86000f14-2edc-4684-9ac9-d9e73620ea84" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b8f6e23f-f734-442b-94cb-9ca32852edc1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b8f6e23f-f734-442b-94cb-9ca32852edc1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_417b68ee-185f-4919-b5d8-07fe0a94a16e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b8f6e23f-f734-442b-94cb-9ca32852edc1" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_417b68ee-185f-4919-b5d8-07fe0a94a16e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_417b68ee-185f-4919-b5d8-07fe0a94a16e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_417b68ee-185f-4919-b5d8-07fe0a94a16e" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_417b68ee-185f-4919-b5d8-07fe0a94a16e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_ed852c05-07c1-4e3b-ab99-e99a93a78730" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_417b68ee-185f-4919-b5d8-07fe0a94a16e" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_ed852c05-07c1-4e3b-ab99-e99a93a78730" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_1832cff9-b98d-4935-8a50-57d8c3df0b9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_ed852c05-07c1-4e3b-ab99-e99a93a78730" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_1832cff9-b98d-4935-8a50-57d8c3df0b9c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1d026da7-f5b4-4113-9e82-c7c6721f04ba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b8f6e23f-f734-442b-94cb-9ca32852edc1" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1d026da7-f5b4-4113-9e82-c7c6721f04ba" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1d026da7-f5b4-4113-9e82-c7c6721f04ba_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1d026da7-f5b4-4113-9e82-c7c6721f04ba" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1d026da7-f5b4-4113-9e82-c7c6721f04ba_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1d026da7-f5b4-4113-9e82-c7c6721f04ba" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_5ce37a79-0c02-4b7d-928c-2a82e6f4bb9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_5ce37a79-0c02-4b7d-928c-2a82e6f4bb9b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_d096c8e0-b7a2-4cac-981a-d147f103b03c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_d096c8e0-b7a2-4cac-981a-d147f103b03c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_cda810db-6915-42a4-9267-3aff10e1d3b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_cda810db-6915-42a4-9267-3aff10e1d3b1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ImpairedLoansFairValueDisclosure_8f338123-4be2-41e6-9d12-0c13902cd9b9" xlink:href="fbc-20231231.xsd#fbc_ImpairedLoansFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:to="loc_fbc_ImpairedLoansFairValueDisclosure_8f338123-4be2-41e6-9d12-0c13902cd9b9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_32f117fa-188b-419b-91ad-44d36d8b39db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_32f117fa-188b-419b-91ad-44d36d8b39db" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_e767e50d-2340-46db-b320-103785f5e9c3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_e767e50d-2340-46db-b320-103785f5e9c3" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d8e795ca-e9cf-48be-9b68-3aa9cf0fd215" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_d9c22b28-4f95-48b9-9f51-bd65d790c6d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d8e795ca-e9cf-48be-9b68-3aa9cf0fd215" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_d9c22b28-4f95-48b9-9f51-bd65d790c6d2" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_a2868a42-f5fc-490d-a4d7-281b149676eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_d9c22b28-4f95-48b9-9f51-bd65d790c6d2" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_a2868a42-f5fc-490d-a4d7-281b149676eb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_a2868a42-f5fc-490d-a4d7-281b149676eb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_a2868a42-f5fc-490d-a4d7-281b149676eb" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_a2868a42-f5fc-490d-a4d7-281b149676eb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_a2868a42-f5fc-490d-a4d7-281b149676eb" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_84c5b8bd-c2e8-45b7-a913-11969f3f2a9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_84c5b8bd-c2e8-45b7-a913-11969f3f2a9f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_61eb0d26-614c-4bcf-8ec4-72b0451346e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_61eb0d26-614c-4bcf-8ec4-72b0451346e4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_2153c8d9-0afb-41cc-bc00-56cb986eb6b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_2153c8d9-0afb-41cc-bc00-56cb986eb6b6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9886f93f-2813-4b9a-9fe6-9bba9cad9be9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_d9c22b28-4f95-48b9-9f51-bd65d790c6d2" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9886f93f-2813-4b9a-9fe6-9bba9cad9be9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_9886f93f-2813-4b9a-9fe6-9bba9cad9be9_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9886f93f-2813-4b9a-9fe6-9bba9cad9be9" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_9886f93f-2813-4b9a-9fe6-9bba9cad9be9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9886f93f-2813-4b9a-9fe6-9bba9cad9be9" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_82b2afb8-8722-4d6f-a336-ceb1f3443edc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_82b2afb8-8722-4d6f-a336-ceb1f3443edc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_5969c724-3c81-4674-85aa-a191680b5b55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_5969c724-3c81-4674-85aa-a191680b5b55" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_90f7184b-b2ad-4d4d-b38d-ed1dba53f22c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_90f7184b-b2ad-4d4d-b38d-ed1dba53f22c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d8e795ca-e9cf-48be-9b68-3aa9cf0fd215" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_58772538-bf7e-464b-be74-0660babc8e74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_58772538-bf7e-464b-be74-0660babc8e74" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure_51347d64-e07a-4539-93c3-abe8ac4b40a3" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:to="loc_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure_51347d64-e07a-4539-93c3-abe8ac4b40a3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_b77481ed-71ec-46be-8040-8a88a60b8ef7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_b77481ed-71ec-46be-8040-8a88a60b8ef7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_4e53603c-29a0-485d-910b-464eebdaff73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d8e795ca-e9cf-48be-9b68-3aa9cf0fd215" xlink:to="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_4e53603c-29a0-485d-910b-464eebdaff73" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure_71054224-7dd3-4653-9d50-eb2f2b7f7588" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_4e53603c-29a0-485d-910b-464eebdaff73" xlink:to="loc_us-gaap_DepositsFairValueDisclosure_71054224-7dd3-4653-9d50-eb2f2b7f7588" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_82bece6a-e015-4f8d-885a-0ce346da72d0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_4e53603c-29a0-485d-910b-464eebdaff73" xlink:to="loc_us-gaap_LongTermDebtFairValue_82bece6a-e015-4f8d-885a-0ce346da72d0" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_46982ef9-5a27-4750-83f0-1c7d0f5d5007" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_ed3210ee-e245-4dd2-9bc3-7e3c666dea2b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_46982ef9-5a27-4750-83f0-1c7d0f5d5007" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_ed3210ee-e245-4dd2-9bc3-7e3c666dea2b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_81f97109-58d1-4154-8bf7-ea8d02182842" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_ed3210ee-e245-4dd2-9bc3-7e3c666dea2b" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_81f97109-58d1-4154-8bf7-ea8d02182842" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_81f97109-58d1-4154-8bf7-ea8d02182842_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_81f97109-58d1-4154-8bf7-ea8d02182842" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_81f97109-58d1-4154-8bf7-ea8d02182842_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_64bd3aaf-17e9-4c7a-af42-042d9528d484" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_81f97109-58d1-4154-8bf7-ea8d02182842" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_64bd3aaf-17e9-4c7a-af42-042d9528d484" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputExpectedTermMember_a0025024-111f-4e0a-ad0d-010f489f5e9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputExpectedTermMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_64bd3aaf-17e9-4c7a-af42-042d9528d484" xlink:to="loc_us-gaap_MeasurementInputExpectedTermMember_a0025024-111f-4e0a-ad0d-010f489f5e9c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput_81764662-f120-4cec-a739-8756abadb26b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_46982ef9-5a27-4750-83f0-1c7d0f5d5007" xlink:to="loc_us-gaap_ServicingAssetMeasurementInput_81764662-f120-4cec-a739-8756abadb26b" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_23fee5bd-922e-42f2-b2e7-db759cbdc593" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_23fee5bd-922e-42f2-b2e7-db759cbdc593" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_60e280b4-5938-4e8a-bb5d-91daca5ecd7d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_23fee5bd-922e-42f2-b2e7-db759cbdc593" xlink:to="loc_us-gaap_FinancialInstrumentAxis_60e280b4-5938-4e8a-bb5d-91daca5ecd7d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_60e280b4-5938-4e8a-bb5d-91daca5ecd7d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_60e280b4-5938-4e8a-bb5d-91daca5ecd7d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_60e280b4-5938-4e8a-bb5d-91daca5ecd7d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cbdf40cf-f1ee-494e-90ca-afa750d12feb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_60e280b4-5938-4e8a-bb5d-91daca5ecd7d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cbdf40cf-f1ee-494e-90ca-afa750d12feb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LoansHeldForSaleMember_8d9dc9c5-9fda-40a4-ad99-462ce5229070" xlink:href="fbc-20231231.xsd#fbc_LoansHeldForSaleMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cbdf40cf-f1ee-494e-90ca-afa750d12feb" xlink:to="loc_fbc_LoansHeldForSaleMember_8d9dc9c5-9fda-40a4-ad99-462ce5229070" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_07efd3d9-896e-4c2d-b605-5d1d0f9314f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_23fee5bd-922e-42f2-b2e7-db759cbdc593" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_07efd3d9-896e-4c2d-b605-5d1d0f9314f5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_07efd3d9-896e-4c2d-b605-5d1d0f9314f5_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_07efd3d9-896e-4c2d-b605-5d1d0f9314f5" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_07efd3d9-896e-4c2d-b605-5d1d0f9314f5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_439a399e-26ac-4f90-a62b-ad789437cd5d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_07efd3d9-896e-4c2d-b605-5d1d0f9314f5" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_439a399e-26ac-4f90-a62b-ad789437cd5d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NonaccrualLoansMember_952d91f0-45a4-4fff-99d7-0e24ca80b4a7" xlink:href="fbc-20231231.xsd#fbc_NonaccrualLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_439a399e-26ac-4f90-a62b-ad789437cd5d" xlink:to="loc_fbc_NonaccrualLoansMember_952d91f0-45a4-4fff-99d7-0e24ca80b4a7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformingFinancingReceivableMember_52bc0596-c864-4a05-b2df-76e343d86561" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformingFinancingReceivableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_439a399e-26ac-4f90-a62b-ad789437cd5d" xlink:to="loc_us-gaap_PerformingFinancingReceivableMember_52bc0596-c864-4a05-b2df-76e343d86561" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FairValueOptionContractualPrincipalOutstandingAssets_62f4d95f-230c-4f3c-ba69-640b9bfce14b" xlink:href="fbc-20231231.xsd#fbc_FairValueOptionContractualPrincipalOutstandingAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:to="loc_fbc_FairValueOptionContractualPrincipalOutstandingAssets_62f4d95f-230c-4f3c-ba69-640b9bfce14b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FairValueOptionLoansHeldAsAssets_0b46d55f-1642-436c-b80b-805b89b2df4d" xlink:href="fbc-20231231.xsd#fbc_FairValueOptionLoansHeldAsAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:to="loc_fbc_FairValueOptionLoansHeldAsAssets_0b46d55f-1642-436c-b80b-805b89b2df4d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference_5e454cf1-d465-48d0-b23e-289aeacf3b74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:to="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference_5e454cf1-d465-48d0-b23e-289aeacf3b74" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference_dd71f283-5b34-4fdb-bd10-e896bfa75df2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:to="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference_dd71f283-5b34-4fdb-bd10-e896bfa75df2" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsObligationsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_c96ccd09-7403-49f4-a15c-a016cb4245df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_c96ccd09-7403-49f4-a15c-a016cb4245df" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_7865dcdf-2a20-4d11-acaf-3311104772bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_c96ccd09-7403-49f4-a15c-a016cb4245df" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_7865dcdf-2a20-4d11-acaf-3311104772bd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_7865dcdf-2a20-4d11-acaf-3311104772bd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_7865dcdf-2a20-4d11-acaf-3311104772bd" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_7865dcdf-2a20-4d11-acaf-3311104772bd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_628f621d-d9c4-43e9-9ce7-aeee81170a73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_7865dcdf-2a20-4d11-acaf-3311104772bd" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_628f621d-d9c4-43e9-9ce7-aeee81170a73" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_62646c71-0e4e-4c0a-9ed6-23e6964b71ea" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_628f621d-d9c4-43e9-9ce7-aeee81170a73" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_62646c71-0e4e-4c0a-9ed6-23e6964b71ea" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PostemploymentRetirementBenefitsMember_4ef419c4-f92e-497b-8266-4a6c6cf7477a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PostemploymentRetirementBenefitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_628f621d-d9c4-43e9-9ce7-aeee81170a73" xlink:to="loc_us-gaap_PostemploymentRetirementBenefitsMember_4ef419c4-f92e-497b-8266-4a6c6cf7477a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanBenefitObligation_106d20e2-8854-4621-8131-f9531ee21406" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanBenefitObligation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanBenefitObligation_106d20e2-8854-4621-8131-f9531ee21406" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_09e980de-afbe-4f5e-8af0-77d81a398d9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_09e980de-afbe-4f5e-8af0-77d81a398d9b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss_6e331cbe-e6b7-4285-bc86-998e4feb5c98" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss_6e331cbe-e6b7-4285-bc86-998e4feb5c98" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid_20f687ab-3d92-4d42-9bb2-db8461fd63f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid_20f687ab-3d92-4d42-9bb2-db8461fd63f8" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation_5a2bda2f-e10a-4bae-adac-b428939f655b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanSettlementsBenefitObligation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation_5a2bda2f-e10a-4bae-adac-b428939f655b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanBenefitObligation_cd95f9ef-9aa8-47f0-bbdc-edb5ada04775" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanBenefitObligation"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_dc23dc41-031e-49ff-b1fe-d1fd054843e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_dc23dc41-031e-49ff-b1fe-d1fd054843e5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets_659fce6e-63db-4622-8b0f-39cd05e06c52" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets_659fce6e-63db-4622-8b0f-39cd05e06c52" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanContributionsByEmployer_ee925b34-e336-41dd-a050-d99242e73f88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanContributionsByEmployer_ee925b34-e336-41dd-a050-d99242e73f88" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid_d582281f-15d2-4271-a0f0-251e96f4b24f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid_d582281f-15d2-4271-a0f0-251e96f4b24f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanSettlementsPlanAssets_4c5f461a-f850-45b3-a0c8-022a7211f8d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanSettlementsPlanAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanSettlementsPlanAssets_4c5f461a-f850-45b3-a0c8-022a7211f8d2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_234faed8-8151-4c07-b967-4902aa5aec88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFundedStatusOfPlan_d86c0314-a7ca-4f90-a852-ecc4b6288d46" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_DefinedBenefitPlanFundedStatusOfPlan_d86c0314-a7ca-4f90-a852-ecc4b6288d46" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_fff5dedc-5d4f-46b9-8e72-1ada59ef57d0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_fff5dedc-5d4f-46b9-8e72-1ada59ef57d0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_c67f0917-74a8-492d-a0c5-3be4a200a033" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_c67f0917-74a8-492d-a0c5-3be4a200a033" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax_7d888a9c-8ec3-4af0-b36a-3ea200eea4d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax_7d888a9c-8ec3-4af0-b36a-3ea200eea4d2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax_6f62413f-36cf-4b94-a104-f1ec7efbb05b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax_6f62413f-36cf-4b94-a104-f1ec7efbb05b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_5f036a8d-08d8-4d62-88a3-d547d94cdc81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:to="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_5f036a8d-08d8-4d62-88a3-d547d94cdc81" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_b67612d2-f678-4725-b654-69bac170e0ad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:to="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_b67612d2-f678-4725-b654-69bac170e0ad" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_a4ff359a-c2e4-45dd-b82f-d2810fce3d9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:to="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_a4ff359a-c2e4-45dd-b82f-d2810fce3d9f" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_8f601306-0973-4e19-bde8-374a2ebb3726" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_8f601306-0973-4e19-bde8-374a2ebb3726" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_8f601306-0973-4e19-bde8-374a2ebb3726_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_8f601306-0973-4e19-bde8-374a2ebb3726" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_8f601306-0973-4e19-bde8-374a2ebb3726_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_8f601306-0973-4e19-bde8-374a2ebb3726" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_01ca72ee-d082-472e-b1df-0535030ac680" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_01ca72ee-d082-472e-b1df-0535030ac680" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember_597f5915-4d61-4283-8992-701881744588" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:to="loc_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember_597f5915-4d61-4283-8992-701881744588" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PostemploymentRetirementBenefitsMember_8954e0a4-2ec6-4b40-9b71-03de4d6c167e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PostemploymentRetirementBenefitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:to="loc_us-gaap_PostemploymentRetirementBenefitsMember_8954e0a4-2ec6-4b40-9b71-03de4d6c167e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_103bdd87-c4f2-4542-8a28-97386c8fd085" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:to="loc_srt_RangeAxis_103bdd87-c4f2-4542-8a28-97386c8fd085" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_103bdd87-c4f2-4542-8a28-97386c8fd085_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_103bdd87-c4f2-4542-8a28-97386c8fd085" xlink:to="loc_srt_RangeMember_103bdd87-c4f2-4542-8a28-97386c8fd085_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_a3442c5b-6739-4345-8e08-72ed8d0aefc0" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_103bdd87-c4f2-4542-8a28-97386c8fd085" xlink:to="loc_srt_RangeMember_a3442c5b-6739-4345-8e08-72ed8d0aefc0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_fd51fe4f-6df7-463f-9b5b-86e869108568" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_a3442c5b-6739-4345-8e08-72ed8d0aefc0" xlink:to="loc_srt_MinimumMember_fd51fe4f-6df7-463f-9b5b-86e869108568" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_48e8700c-29d3-4b81-a5bd-a4476aed3802" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_a3442c5b-6739-4345-8e08-72ed8d0aefc0" xlink:to="loc_srt_MaximumMember_48e8700c-29d3-4b81-a5bd-a4476aed3802" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_ce8577fa-71ca-4998-b439-da0c2ef77050" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:to="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_ce8577fa-71ca-4998-b439-da0c2ef77050" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_ce8577fa-71ca-4998-b439-da0c2ef77050_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_ce8577fa-71ca-4998-b439-da0c2ef77050" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_ce8577fa-71ca-4998-b439-da0c2ef77050_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_209142ff-07a6-4f81-a909-9c1575995216" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_ce8577fa-71ca-4998-b439-da0c2ef77050" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_209142ff-07a6-4f81-a909-9c1575995216" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_c19c5845-9c02-4e52-aa4a-050fc8181374" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_209142ff-07a6-4f81-a909-9c1575995216" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_c19c5845-9c02-4e52-aa4a-050fc8181374" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember_d86e7401-c8e6-4eb0-bbcd-889d2c81da4f" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_209142ff-07a6-4f81-a909-9c1575995216" xlink:to="loc_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember_d86e7401-c8e6-4eb0-bbcd-889d2c81da4f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_389c1a17-46a9-4336-9431-2deb99a8b68d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatementScenarioAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:to="loc_srt_StatementScenarioAxis_389c1a17-46a9-4336-9431-2deb99a8b68d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_389c1a17-46a9-4336-9431-2deb99a8b68d_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_StatementScenarioAxis_389c1a17-46a9-4336-9431-2deb99a8b68d" xlink:to="loc_srt_ScenarioUnspecifiedDomain_389c1a17-46a9-4336-9431-2deb99a8b68d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_261d9165-912e-4744-9567-dbd69f9a7f3c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_StatementScenarioAxis_389c1a17-46a9-4336-9431-2deb99a8b68d" xlink:to="loc_srt_ScenarioUnspecifiedDomain_261d9165-912e-4744-9567-dbd69f9a7f3c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioForecastMember_759eeda3-e6d6-4c55-b774-7bfc777f4d70" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioForecastMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ScenarioUnspecifiedDomain_261d9165-912e-4744-9567-dbd69f9a7f3c" xlink:to="loc_srt_ScenarioForecastMember_759eeda3-e6d6-4c55-b774-7bfc777f4d70" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_dd0dd6b6-a2b0-4bc2-a406-eb83d48940b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_dd0dd6b6-a2b0-4bc2-a406-eb83d48940b1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_c602d7ff-7a46-451c-ab12-0191fb25d7b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_c602d7ff-7a46-451c-ab12-0191fb25d7b8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease_f8c1ce2f-8ecb-4440-8ec1-e38041fb5312" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease_f8c1ce2f-8ecb-4440-8ec1-e38041fb5312" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets_07c82276-ba66-4b7d-b799-c2c6a949e915" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets_07c82276-ba66-4b7d-b799-c2c6a949e915" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanCostRecognized_00436739-e4ec-44fd-a7cd-191f9943f8dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedContributionPlanCostRecognized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedContributionPlanCostRecognized_00436739-e4ec-44fd-a7cd-191f9943f8dd" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_0134fc6b-d2ce-424d-a096-3fceda80706c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_0134fc6b-d2ce-424d-a096-3fceda80706c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_dfff48c9-08f9-4873-a032-d44fe04e78b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_dfff48c9-08f9-4873-a032-d44fe04e78b5" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_ec46d5fe-4e49-4808-93b0-d22224df2ddc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_ec46d5fe-4e49-4808-93b0-d22224df2ddc" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss_584050b3-789e-48a3-b17a-0c68a3a96f5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss_584050b3-789e-48a3-b17a-0c68a3a96f5e" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear_28ca4baa-957f-4d32-87e4-b39e67432475" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear_28ca4baa-957f-4d32-87e4-b39e67432475" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_6a3a5fbd-7adf-42e7-bf53-ed454d855a4c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_6a3a5fbd-7adf-42e7-bf53-ed454d855a4c" xlink:type="arc" order="10"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsScheduleofNetBenefitCostsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_dd2eb7f5-f431-4868-8425-a43c3692786b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_57b89bc1-8a30-40d2-b365-f81039adf736" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_dd2eb7f5-f431-4868-8425-a43c3692786b" xlink:to="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_57b89bc1-8a30-40d2-b365-f81039adf736" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_cabb4cf9-bba6-4df6-bb3a-d9fed60c774c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_57b89bc1-8a30-40d2-b365-f81039adf736" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_cabb4cf9-bba6-4df6-bb3a-d9fed60c774c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_cabb4cf9-bba6-4df6-bb3a-d9fed60c774c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_cabb4cf9-bba6-4df6-bb3a-d9fed60c774c" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_cabb4cf9-bba6-4df6-bb3a-d9fed60c774c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_470dfc1d-a298-4175-b03b-029a0e715076" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_cabb4cf9-bba6-4df6-bb3a-d9fed60c774c" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_470dfc1d-a298-4175-b03b-029a0e715076" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_b3c3c82c-1a9f-468c-acd7-e68f473ed2bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_470dfc1d-a298-4175-b03b-029a0e715076" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_b3c3c82c-1a9f-468c-acd7-e68f473ed2bd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_dd2eb7f5-f431-4868-8425-a43c3692786b" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_c479f02f-488d-43e7-b8b9-7d64ff567b86" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_c479f02f-488d-43e7-b8b9-7d64ff567b86" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_c9e5e84b-d486-464f-83fb-5ea27e06e73e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_c9e5e84b-d486-464f-83fb-5ea27e06e73e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_b76be6ad-2f47-450a-9c6e-8686c37017c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:to="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_b76be6ad-2f47-450a-9c6e-8686c37017c1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_95856d2d-a9bd-4ec7-88aa-af28d20e4a1d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_95856d2d-a9bd-4ec7-88aa-af28d20e4a1d" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsWeightedAverageAssumptionDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_90ed6b03-08e0-4487-bfa9-3e769746df25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_90ed6b03-08e0-4487-bfa9-3e769746df25" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_b14ae75e-b549-4398-9bff-021f4e78604a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_90ed6b03-08e0-4487-bfa9-3e769746df25" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_b14ae75e-b549-4398-9bff-021f4e78604a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_b14ae75e-b549-4398-9bff-021f4e78604a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_b14ae75e-b549-4398-9bff-021f4e78604a" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_b14ae75e-b549-4398-9bff-021f4e78604a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_5349d92e-9399-4b8c-b2d9-14116c60c4e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_b14ae75e-b549-4398-9bff-021f4e78604a" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_5349d92e-9399-4b8c-b2d9-14116c60c4e4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_ddd69452-b943-4752-b356-d62119f1d844" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_5349d92e-9399-4b8c-b2d9-14116c60c4e4" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_ddd69452-b943-4752-b356-d62119f1d844" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PostemploymentRetirementBenefitsMember_63b3303c-5998-46a0-939c-44e0490187dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PostemploymentRetirementBenefitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_5349d92e-9399-4b8c-b2d9-14116c60c4e4" xlink:to="loc_us-gaap_PostemploymentRetirementBenefitsMember_63b3303c-5998-46a0-939c-44e0490187dc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_dbe1abcf-d911-4d87-8970-e2082a239c38" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_dbe1abcf-d911-4d87-8970-e2082a239c38" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanCurrentMedicalTrendRate_28f40e1b-9b5a-49d5-bbd5-316ae80e8d50" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanCurrentMedicalTrendRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_fbc_DefinedBenefitPlanCurrentMedicalTrendRate_28f40e1b-9b5a-49d5-bbd5-316ae80e8d50" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_adff0d77-aab0-470c-b953-b341a8caafac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_adff0d77-aab0-470c-b953-b341a8caafac" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1_34bdfc46-91c2-4c27-8201-12a0a6e29216" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1_34bdfc46-91c2-4c27-8201-12a0a6e29216" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate_6329fbf7-f33c-4427-b50a-d6e49976e04f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate_6329fbf7-f33c-4427-b50a-d6e49976e04f" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsAssetAllocationPercentageDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_7b7e8ec9-fb5b-42cd-9aca-b2ee47abad15" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_7b7e8ec9-fb5b-42cd-9aca-b2ee47abad15" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_4d4215fb-1693-4c2b-82ee-bb6b13b53062" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_4d4215fb-1693-4c2b-82ee-bb6b13b53062" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_4d4215fb-1693-4c2b-82ee-bb6b13b53062_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_4d4215fb-1693-4c2b-82ee-bb6b13b53062" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_4d4215fb-1693-4c2b-82ee-bb6b13b53062_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_b9461448-db32-43a5-9229-d4d3f7c8ff69" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_4d4215fb-1693-4c2b-82ee-bb6b13b53062" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_b9461448-db32-43a5-9229-d4d3f7c8ff69" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_93e1a980-d199-4ec8-af68-dd671d1edd06" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_b9461448-db32-43a5-9229-d4d3f7c8ff69" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_93e1a980-d199-4ec8-af68-dd671d1edd06" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_b2bef38a-8f60-43e5-aecb-7fa9c88fa4a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:to="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_b2bef38a-8f60-43e5-aecb-7fa9c88fa4a2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_b2bef38a-8f60-43e5-aecb-7fa9c88fa4a2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_b2bef38a-8f60-43e5-aecb-7fa9c88fa4a2" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_b2bef38a-8f60-43e5-aecb-7fa9c88fa4a2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_a87e388e-5459-4419-b97f-a475c1aa0c5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_b2bef38a-8f60-43e5-aecb-7fa9c88fa4a2" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_a87e388e-5459-4419-b97f-a475c1aa0c5e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_a87e388e-5459-4419-b97f-a475c1aa0c5e" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember_0fd46557-6004-4cf1-9e25-d482121b7c81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember_0fd46557-6004-4cf1-9e25-d482121b7c81" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember_0dda2bcd-44ad-4ddc-a296-d0ecee7614a6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember_0dda2bcd-44ad-4ddc-a296-d0ecee7614a6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember_9cdcee82-7831-4085-9d65-d21858bb0fce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember_9cdcee82-7831-4085-9d65-d21858bb0fce" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember_f41bc408-fef8-4ff5-8824-fbd6794d360a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember_f41bc408-fef8-4ff5-8824-fbd6794d360a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember_d1a1c2da-0ad2-4fa4-ac61-c64456398dff" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_a87e388e-5459-4419-b97f-a475c1aa0c5e" xlink:to="loc_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember_d1a1c2da-0ad2-4fa4-ac61-c64456398dff" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_18232ad5-f750-4f64-a694-fd5eab933add" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:to="loc_srt_RangeAxis_18232ad5-f750-4f64-a694-fd5eab933add" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_18232ad5-f750-4f64-a694-fd5eab933add_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_18232ad5-f750-4f64-a694-fd5eab933add" xlink:to="loc_srt_RangeMember_18232ad5-f750-4f64-a694-fd5eab933add_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_1fde87e7-4132-4883-97c1-dd541fe7c840" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_18232ad5-f750-4f64-a694-fd5eab933add" xlink:to="loc_srt_RangeMember_1fde87e7-4132-4883-97c1-dd541fe7c840" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_e25fc4fb-680a-4412-ac20-dd8be692cc6b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_1fde87e7-4132-4883-97c1-dd541fe7c840" xlink:to="loc_srt_MinimumMember_e25fc4fb-680a-4412-ac20-dd8be692cc6b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_a84de84c-96ec-47b0-ae3a-8037bf493b48" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_1fde87e7-4132-4883-97c1-dd541fe7c840" xlink:to="loc_srt_MaximumMember_a84de84c-96ec-47b0-ae3a-8037bf493b48" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_53c0f90e-962d-4620-bd17-2d914c378906" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_7b7e8ec9-fb5b-42cd-9aca-b2ee47abad15" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_53c0f90e-962d-4620-bd17-2d914c378906" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsFairValueofInvestmentsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_3b342109-d80b-4478-9735-fcf90c57e436" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_3b342109-d80b-4478-9735-fcf90c57e436" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_3b342109-d80b-4478-9735-fcf90c57e436_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_3b342109-d80b-4478-9735-fcf90c57e436" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_3b342109-d80b-4478-9735-fcf90c57e436_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_d1c40c94-cd13-41c5-87f4-d7f36f8ad4bf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_3b342109-d80b-4478-9735-fcf90c57e436" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_d1c40c94-cd13-41c5-87f4-d7f36f8ad4bf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_2940a953-0134-4067-80df-e023c796e0b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_d1c40c94-cd13-41c5-87f4-d7f36f8ad4bf" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_2940a953-0134-4067-80df-e023c796e0b5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_45ad3dc6-a6f8-4ed0-9371-693458895013" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:to="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_45ad3dc6-a6f8-4ed0-9371-693458895013" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_45ad3dc6-a6f8-4ed0-9371-693458895013_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_45ad3dc6-a6f8-4ed0-9371-693458895013" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_45ad3dc6-a6f8-4ed0-9371-693458895013_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_45ad3dc6-a6f8-4ed0-9371-693458895013" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityLargeCapValueMember_0f6ebf4d-9d56-4f47-926b-d7241867db74" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityLargeCapValueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityLargeCapValueMember_0f6ebf4d-9d56-4f47-926b-d7241867db74" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember_8076730d-5b83-430a-8535-ae921626783e" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityLargeCapGrowthMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember_8076730d-5b83-430a-8535-ae921626783e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityLargeCapCoreMember_289586f4-0fde-4730-8330-b93f3debb709" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityLargeCapCoreMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityLargeCapCoreMember_289586f4-0fde-4730-8330-b93f3debb709" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityMidCapCoreMember_c1ae4f40-f67e-4bbb-b6c5-a19e56132fd5" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityMidCapCoreMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityMidCapCoreMember_c1ae4f40-f67e-4bbb-b6c5-a19e56132fd5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquitySmallCapCoreMember_08a0352e-1c1a-4a86-b94b-f3ca6b1c478f" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquitySmallCapCoreMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquitySmallCapCoreMember_08a0352e-1c1a-4a86-b94b-f3ca6b1c478f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityNonUSGrowthMember_6e503b56-c112-4d3b-a5e8-637f1985b2c7" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityNonUSGrowthMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityNonUSGrowthMember_6e503b56-c112-4d3b-a5e8-637f1985b2c7" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityNonUSValueMember_c4b76402-333b-42f4-b038-78fc6eb72a25" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityNonUSValueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityNonUSValueMember_c4b76402-333b-42f4-b038-78fc6eb72a25" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInvestmentsMember_4e7bff1d-c2c0-48e7-9921-1a91b34d2566" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedIncomeInvestmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:to="loc_us-gaap_FixedIncomeInvestmentsMember_4e7bff1d-c2c0-48e7-9921-1a91b34d2566" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FourthFundsTargetsInvestmentsMember_28ff68b8-ab9b-4cf1-8164-149b5cf124a9" xlink:href="fbc-20231231.xsd#fbc_FourthFundsTargetsInvestmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:to="loc_fbc_FourthFundsTargetsInvestmentsMember_28ff68b8-ab9b-4cf1-8164-149b5cf124a9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_5dfcdc5d-9a88-4be3-8c7f-aa951ed44905" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_5dfcdc5d-9a88-4be3-8c7f-aa951ed44905" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember_339db5c5-c867-4cd8-ab0a-25738f14b323" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember_339db5c5-c867-4cd8-ab0a-25738f14b323" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember_16ea5277-a99c-4be0-a834-3cf1ccd19611" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember_16ea5277-a99c-4be0-a834-3cf1ccd19611" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_404c2b70-45f2-4ab8-a0c7-ddd7a383c71a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_404c2b70-45f2-4ab8-a0c7-ddd7a383c71a" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0d51da6d-4ae9-403f-96e2-512a85f99026" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0d51da6d-4ae9-403f-96e2-512a85f99026" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_0d51da6d-4ae9-403f-96e2-512a85f99026_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0d51da6d-4ae9-403f-96e2-512a85f99026" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_0d51da6d-4ae9-403f-96e2-512a85f99026_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0d51da6d-4ae9-403f-96e2-512a85f99026" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_937cd563-9fa5-47ca-b541-38c35536b40e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_937cd563-9fa5-47ca-b541-38c35536b40e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_cd8f7c7f-a512-4adb-8410-541e7a9f1edd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_cd8f7c7f-a512-4adb-8410-541e7a9f1edd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_4f2d8298-67b8-4391-a8ea-b2070bbaa37d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_4f2d8298-67b8-4391-a8ea-b2070bbaa37d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_98cb61f3-6869-4369-abf3-420f6cbf9524" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:to="loc_srt_RangeAxis_98cb61f3-6869-4369-abf3-420f6cbf9524" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_98cb61f3-6869-4369-abf3-420f6cbf9524_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_98cb61f3-6869-4369-abf3-420f6cbf9524" xlink:to="loc_srt_RangeMember_98cb61f3-6869-4369-abf3-420f6cbf9524_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_d5ba764a-602d-4d34-a9e8-8b6a1298770a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_98cb61f3-6869-4369-abf3-420f6cbf9524" xlink:to="loc_srt_RangeMember_d5ba764a-602d-4d34-a9e8-8b6a1298770a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_7a241065-aea1-4644-b19a-5f0e37a4e599" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_d5ba764a-602d-4d34-a9e8-8b6a1298770a" xlink:to="loc_srt_MinimumMember_7a241065-aea1-4644-b19a-5f0e37a4e599" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_7ac967cd-3f75-418f-9cc8-8829e2345519" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_d5ba764a-602d-4d34-a9e8-8b6a1298770a" xlink:to="loc_srt_MaximumMember_7ac967cd-3f75-418f-9cc8-8829e2345519" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_5177738e-6f8e-4ab8-9540-1f10f29468d7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:to="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_5177738e-6f8e-4ab8-9540-1f10f29468d7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanPlanAssetsShares_7db768c1-ead7-4256-8ce5-724679aeeb34" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanPlanAssetsShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:to="loc_fbc_DefinedBenefitPlanPlanAssetsShares_7db768c1-ead7-4256-8ce5-724679aeeb34" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage_caf90bd8-60b2-4d8b-a970-df44349620e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage_caf90bd8-60b2-4d8b-a970-df44349620e2" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsCurrentAllocationsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_2d715898-c204-4091-8fbd-603d81388faf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_15719c7b-c4cb-4b5c-9337-4f57aa85a670" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_2d715898-c204-4091-8fbd-603d81388faf" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_15719c7b-c4cb-4b5c-9337-4f57aa85a670" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_c1611233-11e7-403a-8dd8-0eea3f169a5d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_15719c7b-c4cb-4b5c-9337-4f57aa85a670" xlink:to="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_c1611233-11e7-403a-8dd8-0eea3f169a5d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_c1611233-11e7-403a-8dd8-0eea3f169a5d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_c1611233-11e7-403a-8dd8-0eea3f169a5d" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_c1611233-11e7-403a-8dd8-0eea3f169a5d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_c1611233-11e7-403a-8dd8-0eea3f169a5d" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_38b0cfc4-6353-485a-b155-2579b62d5ea4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_38b0cfc4-6353-485a-b155-2579b62d5ea4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDebtSecurityMember_0f613289-4996-4a29-a58b-3f011d6557f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDebtSecurityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:to="loc_us-gaap_DefinedBenefitPlanDebtSecurityMember_0f613289-4996-4a29-a58b-3f011d6557f0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_1fe3769d-dc72-4bb4-9825-d242132faded" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:to="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_1fe3769d-dc72-4bb4-9825-d242132faded" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_a82e7a1b-8733-48f2-bfcb-3696a0349e95" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_15719c7b-c4cb-4b5c-9337-4f57aa85a670" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_a82e7a1b-8733-48f2-bfcb-3696a0349e95" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_a82e7a1b-8733-48f2-bfcb-3696a0349e95_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_a82e7a1b-8733-48f2-bfcb-3696a0349e95" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_a82e7a1b-8733-48f2-bfcb-3696a0349e95_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_27584898-f9b6-457d-9927-f6604270116c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_a82e7a1b-8733-48f2-bfcb-3696a0349e95" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_27584898-f9b6-457d-9927-f6604270116c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_40cb2942-703d-4ed5-8404-690d225dc6c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_27584898-f9b6-457d-9927-f6604270116c" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_40cb2942-703d-4ed5-8404-690d225dc6c1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations_d09cf122-6602-4a00-8fe7-2d44858ca0f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_2d715898-c204-4091-8fbd-603d81388faf" xlink:to="loc_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations_d09cf122-6602-4a00-8fe7-2d44858ca0f8" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsExpectedFuturePaymentsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_5a9cb770-75dc-4908-9211-74ba2ad11b3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_5a9cb770-75dc-4908-9211-74ba2ad11b3c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_532d6c22-b84a-442e-be5c-67397756d934" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_5a9cb770-75dc-4908-9211-74ba2ad11b3c" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_532d6c22-b84a-442e-be5c-67397756d934" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_532d6c22-b84a-442e-be5c-67397756d934_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_532d6c22-b84a-442e-be5c-67397756d934" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_532d6c22-b84a-442e-be5c-67397756d934_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_60c12190-4d2b-4246-8f12-e65068254470" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_532d6c22-b84a-442e-be5c-67397756d934" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_60c12190-4d2b-4246-8f12-e65068254470" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_e18aa4ab-ef9d-4c76-b770-fcf16bae9006" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_60c12190-4d2b-4246-8f12-e65068254470" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_e18aa4ab-ef9d-4c76-b770-fcf16bae9006" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PostemploymentRetirementBenefitsMember_56cebd34-bcfb-41f1-9c2d-a8c3448a6d24" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PostemploymentRetirementBenefitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_60c12190-4d2b-4246-8f12-e65068254470" xlink:to="loc_us-gaap_PostemploymentRetirementBenefitsMember_56cebd34-bcfb-41f1-9c2d-a8c3448a6d24" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_702a0cda-ca4a-4251-ae86-1a6441c2a02f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_702a0cda-ca4a-4251-ae86-1a6441c2a02f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_0f56c4be-f47a-4b7d-b2ac-da6a107a2488" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_0f56c4be-f47a-4b7d-b2ac-da6a107a2488" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_3709349f-9966-4a3a-a7d9-c1ba645ae168" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_3709349f-9966-4a3a-a7d9-c1ba645ae168" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_c8ad233d-d299-4127-aade-b506717b78b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_c8ad233d-d299-4127-aade-b506717b78b3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_e4d41849-dec9-43f2-beed-78281cfeec3f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_e4d41849-dec9-43f2-beed-78281cfeec3f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_84d14eab-f5e1-4b61-9c8e-44343f51d82d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_84d14eab-f5e1-4b61-9c8e-44343f51d82d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_80158c4c-0512-44e5-8622-7fb9b9c748a7" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanExpectedFutureBenefitPayment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_80158c4c-0512-44e5-8622-7fb9b9c748a7" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingenciesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_608472a9-5e0b-497f-8116-24b165d9cc58" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_907c8352-396b-4966-bb71-e27cc0fa2f7b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_608472a9-5e0b-497f-8116-24b165d9cc58" xlink:to="loc_us-gaap_OtherCommitmentsTable_907c8352-396b-4966-bb71-e27cc0fa2f7b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_ad958a22-bd4f-44da-a89a-a9f9daac7afd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OtherCommitmentsTable_907c8352-396b-4966-bb71-e27cc0fa2f7b" xlink:to="loc_us-gaap_CollateralAxis_ad958a22-bd4f-44da-a89a-a9f9daac7afd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_ad958a22-bd4f-44da-a89a-a9f9daac7afd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CollateralAxis_ad958a22-bd4f-44da-a89a-a9f9daac7afd" xlink:to="loc_us-gaap_CollateralDomain_ad958a22-bd4f-44da-a89a-a9f9daac7afd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_6071ce63-a064-4c20-82bc-da67bbfe9934" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CollateralAxis_ad958a22-bd4f-44da-a89a-a9f9daac7afd" xlink:to="loc_us-gaap_CollateralDomain_6071ce63-a064-4c20-82bc-da67bbfe9934" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_f34f2e00-0768-4ec2-bb91-40200c37494c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_6071ce63-a064-4c20-82bc-da67bbfe9934" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_f34f2e00-0768-4ec2-bb91-40200c37494c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_a99a4e71-9282-4e15-b9f9-fa4a407fbb3f" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_608472a9-5e0b-497f-8116-24b165d9cc58" xlink:to="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_a99a4e71-9282-4e15-b9f9-fa4a407fbb3f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1d834fe2-97f1-4d45-ba9d-cbea4d904ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_608472a9-5e0b-497f-8116-24b165d9cc58" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1d834fe2-97f1-4d45-ba9d-cbea4d904ea1" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingenciesOffBalanceSheetDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_e74e0684-fe2d-46e8-83b8-65d2d06aba3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:to="loc_us-gaap_OtherCommitmentsTable_e74e0684-fe2d-46e8-83b8-65d2d06aba3c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsAxis_932c532e-f869-454a-86ab-6fe9039d263e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OtherCommitmentsTable_e74e0684-fe2d-46e8-83b8-65d2d06aba3c" xlink:to="loc_us-gaap_OtherCommitmentsAxis_932c532e-f869-454a-86ab-6fe9039d263e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsDomain_932c532e-f869-454a-86ab-6fe9039d263e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_OtherCommitmentsAxis_932c532e-f869-454a-86ab-6fe9039d263e" xlink:to="loc_us-gaap_OtherCommitmentsDomain_932c532e-f869-454a-86ab-6fe9039d263e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsDomain_11633043-acc4-4951-b386-3cc60d6a1900" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_OtherCommitmentsAxis_932c532e-f869-454a-86ab-6fe9039d263e" xlink:to="loc_us-gaap_OtherCommitmentsDomain_11633043-acc4-4951-b386-3cc60d6a1900" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsDomain_11633043-acc4-4951-b386-3cc60d6a1900" xlink:to="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyAndCommercialRealEstateMember_c248a9e8-59df-4a07-9b7e-fd158cee7227" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyAndCommercialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_MultiFamilyAndCommercialRealEstateMember_c248a9e8-59df-4a07-9b7e-fd158cee7227" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_f8a936f8-23cd-4a4b-ad08-9d15b141e60f" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_f8a936f8-23cd-4a4b-ad08-9d15b141e60f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionMember_2689de5c-8b94-4a5b-8eda-7a71678c7fee" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionMember_2689de5c-8b94-4a5b-8eda-7a71678c7fee" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WarehouseLoanCommitmentsMember_daa70d94-de64-4b2c-ad1e-8ec0982c515d" xlink:href="fbc-20231231.xsd#fbc_WarehouseLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_WarehouseLoanCommitmentsMember_daa70d94-de64-4b2c-ad1e-8ec0982c515d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_aae8f915-eb28-42f3-811f-b13abd47d3dc" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_OtherLoanCommitmentsMember_aae8f915-eb28-42f3-811f-b13abd47d3dc" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitment_44cca4bb-0205-4923-a837-ca208ccfe680" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:to="loc_us-gaap_OtherCommitment_44cca4bb-0205-4923-a837-ca208ccfe680" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsMaximumExposure_0c7063bd-bb4e-4e21-b1de-5be775d2e715" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsMaximumExposure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:to="loc_us-gaap_GuaranteeObligationsMaximumExposure_0c7063bd-bb4e-4e21-b1de-5be775d2e715" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_0968a917-a371-43b5-8cf4-0209eb310759" xlink:href="fbc-20231231.xsd#fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:to="loc_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_0968a917-a371-43b5-8cf4-0209eb310759" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingenciesObligationsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_1d18959c-23bc-4139-a231-0670ffcd8f9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:to="loc_us-gaap_OtherCommitmentsTable_1d18959c-23bc-4139-a231-0670ffcd8f9f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsByNatureAxis_7d8e9f16-e379-4490-85eb-6ee077f59441" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsByNatureAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_OtherCommitmentsTable_1d18959c-23bc-4139-a231-0670ffcd8f9f" xlink:to="loc_us-gaap_GuaranteeObligationsByNatureAxis_7d8e9f16-e379-4490-85eb-6ee077f59441" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsNatureDomain_7d8e9f16-e379-4490-85eb-6ee077f59441_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsNatureDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_GuaranteeObligationsByNatureAxis_7d8e9f16-e379-4490-85eb-6ee077f59441" xlink:to="loc_us-gaap_GuaranteeObligationsNatureDomain_7d8e9f16-e379-4490-85eb-6ee077f59441_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsNatureDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_GuaranteeObligationsByNatureAxis_7d8e9f16-e379-4490-85eb-6ee077f59441" xlink:to="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialStandbyLetterOfCreditMember_72bce2e5-81d4-414f-83d6-4ce884cac5fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialStandbyLetterOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:to="loc_us-gaap_FinancialStandbyLetterOfCreditMember_72bce2e5-81d4-414f-83d6-4ce884cac5fb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceGuaranteeMember_afac81f3-d5ba-4a83-801c-d24fdee1b490" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceGuaranteeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:to="loc_us-gaap_PerformanceGuaranteeMember_afac81f3-d5ba-4a83-801c-d24fdee1b490" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialLettersOfCreditMember_d08686d9-328c-4a0a-84bc-e0cdf998de56" xlink:href="fbc-20231231.xsd#fbc_CommercialLettersOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:to="loc_fbc_CommercialLettersOfCreditMember_d08686d9-328c-4a0a-84bc-e0cdf998de56" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GuarantorObligationsCurrentCarryingValueCurrent_dc19c475-941f-4aae-9aeb-f4768a605012" xlink:href="fbc-20231231.xsd#fbc_GuarantorObligationsCurrentCarryingValueCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:to="loc_fbc_GuarantorObligationsCurrentCarryingValueCurrent_dc19c475-941f-4aae-9aeb-f4768a605012" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent_7aa6e852-c140-4eab-89e5-a9bcf91adfaa" xlink:href="fbc-20231231.xsd#fbc_GuarantorObligationsCurrentCarryingValueNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:to="loc_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent_7aa6e852-c140-4eab-89e5-a9bcf91adfaa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_31e3f512-ba9d-480d-9de8-6e08b6d1b831" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:to="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_31e3f512-ba9d-480d-9de8-6e08b6d1b831" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsMaximumExposure_49682377-fe5d-4025-93ab-3b36f71f398f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsMaximumExposure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:to="loc_us-gaap_GuaranteeObligationsMaximumExposure_49682377-fe5d-4025-93ab-3b36f71f398f" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationBalanceSheetDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_accd9548-d1ca-4735-9102-a55b2e83f56a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedBalanceSheetStatementsCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementTable_a772690d-5be2-4ffa-9b02-5db3f5c3a3f7" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedBalanceSheetStatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_accd9548-d1ca-4735-9102-a55b2e83f56a" xlink:to="loc_srt_CondensedBalanceSheetStatementTable_a772690d-5be2-4ffa-9b02-5db3f5c3a3f7" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_c093146e-bdec-47d9-bc26-4b09de6c53e8" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_CondensedBalanceSheetStatementTable_a772690d-5be2-4ffa-9b02-5db3f5c3a3f7" xlink:to="loc_srt_ConsolidatedEntitiesAxis_c093146e-bdec-47d9-bc26-4b09de6c53e8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_c093146e-bdec-47d9-bc26-4b09de6c53e8_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_c093146e-bdec-47d9-bc26-4b09de6c53e8" xlink:to="loc_srt_ConsolidatedEntitiesDomain_c093146e-bdec-47d9-bc26-4b09de6c53e8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_351793fe-2e39-4549-8abb-bd815e61ec9c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_c093146e-bdec-47d9-bc26-4b09de6c53e8" xlink:to="loc_srt_ConsolidatedEntitiesDomain_351793fe-2e39-4549-8abb-bd815e61ec9c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_39325bb3-7d01-4d89-8090-d7bfbaa57d0f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_351793fe-2e39-4549-8abb-bd815e61ec9c" xlink:to="loc_srt_ParentCompanyMember_39325bb3-7d01-4d89-8090-d7bfbaa57d0f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_accd9548-d1ca-4735-9102-a55b2e83f56a" xlink:to="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_280f752b-8f22-43bc-9942-0177fabd1789" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_280f752b-8f22-43bc-9942-0177fabd1789" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_6410460b-2965-4d7f-a7f4-a9f71375464d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_6410460b-2965-4d7f-a7f4-a9f71375464d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_502a2f82-95a8-4ba1-83aa-8c3be5307681" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:to="loc_us-gaap_OtherAssets_502a2f82-95a8-4ba1-83aa-8c3be5307681" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_1b1d527c-529b-4eba-b9bb-b29072d372a6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:to="loc_us-gaap_Assets_1b1d527c-529b-4eba-b9bb-b29072d372a6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_accd9548-d1ca-4735-9102-a55b2e83f56a" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_ca829703-fa54-4769-af09-babb0221905f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_ca829703-fa54-4769-af09-babb0221905f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_6f2c1e97-238b-4926-af44-797ec44657bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_SubordinatedDebt_6f2c1e97-238b-4926-af44-797ec44657bb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_1bec65e4-1732-429d-bcad-ea63856fc15d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_OtherLiabilities_1bec65e4-1732-429d-bcad-ea63856fc15d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_23f3b24c-368d-4e98-9ae3-4e68527bdc75" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Liabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_Liabilities_23f3b24c-368d-4e98-9ae3-4e68527bdc75" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_36720f4a-94f3-4409-93a2-3a5ce14470cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_StockholdersEquity_36720f4a-94f3-4409-93a2-3a5ce14470cc" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_79ca9151-c9fa-4462-9260-049b28d28ca2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_79ca9151-c9fa-4462-9260-049b28d28ca2" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationIncomeStatementDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedIncomeStatementsCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementTable_2b13fc5d-f9da-4115-b713-2e1006eeb377" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedIncomeStatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_srt_CondensedIncomeStatementTable_2b13fc5d-f9da-4115-b713-2e1006eeb377" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_8823f855-beb3-4eeb-961d-9c3759b89084" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_CondensedIncomeStatementTable_2b13fc5d-f9da-4115-b713-2e1006eeb377" xlink:to="loc_srt_ConsolidatedEntitiesAxis_8823f855-beb3-4eeb-961d-9c3759b89084" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_8823f855-beb3-4eeb-961d-9c3759b89084_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_8823f855-beb3-4eeb-961d-9c3759b89084" xlink:to="loc_srt_ConsolidatedEntitiesDomain_8823f855-beb3-4eeb-961d-9c3759b89084_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_b8a99d3f-68c2-4027-93d4-ac15231d1092" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_8823f855-beb3-4eeb-961d-9c3759b89084" xlink:to="loc_srt_ConsolidatedEntitiesDomain_b8a99d3f-68c2-4027-93d4-ac15231d1092" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_8ec7ee57-4c07-48de-ba63-69563b5adbc8" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_b8a99d3f-68c2-4027-93d4-ac15231d1092" xlink:to="loc_srt_ParentCompanyMember_8ec7ee57-4c07-48de-ba63-69563b5adbc8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendIncomeOperating_40249815-592a-4566-a8ba-9205a4d06e5c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendIncomeOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_DividendIncomeOperating_40249815-592a-4566-a8ba-9205a4d06e5c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_b833ec18-6dcf-4646-976f-a6bea4e71502" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_OtherIncome_b833ec18-6dcf-4646-976f-a6bea4e71502" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_a5754bca-b54a-44b7-ac03-de3fadc8ad11" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_a5754bca-b54a-44b7-ac03-de3fadc8ad11" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingCostsAndExpenses_103fb0ed-6b0b-497e-9b9d-2d4bef604fee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingCostsAndExpenses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_OperatingCostsAndExpenses_103fb0ed-6b0b-497e-9b9d-2d4bef604fee" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_2561eac9-fb2f-489a-8b9c-e118c66e2445" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_2561eac9-fb2f-489a-8b9c-e118c66e2445" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_bf9aad55-e160-447e-a4dd-8f3406b7dca0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_bf9aad55-e160-447e-a4dd-8f3406b7dca0" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_1e912d4d-20fb-476e-bc84-b2055fcbdf52" xlink:href="fbc-20231231.xsd#fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_1e912d4d-20fb-476e-bc84-b2055fcbdf52" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_b46c3532-003d-47f6-8b32-4cfb44ade321" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_b46c3532-003d-47f6-8b32-4cfb44ade321" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_d8f358a6-2b13-4aa9-84aa-dd069f2a37bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_NetIncomeLoss_d8f358a6-2b13-4aa9-84aa-dd069f2a37bd" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedCashFlowStatementsCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedCashFlowStatementTable_b524bbb0-4817-4707-ba1c-ae82a0657e2d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedCashFlowStatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_srt_CondensedCashFlowStatementTable_b524bbb0-4817-4707-ba1c-ae82a0657e2d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_7ad057cd-4d9e-4644-9728-5fe51a8471a4" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_CondensedCashFlowStatementTable_b524bbb0-4817-4707-ba1c-ae82a0657e2d" xlink:to="loc_srt_ConsolidatedEntitiesAxis_7ad057cd-4d9e-4644-9728-5fe51a8471a4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_7ad057cd-4d9e-4644-9728-5fe51a8471a4_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_7ad057cd-4d9e-4644-9728-5fe51a8471a4" xlink:to="loc_srt_ConsolidatedEntitiesDomain_7ad057cd-4d9e-4644-9728-5fe51a8471a4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_42a99b5a-7332-48ef-95eb-270cf0839008" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_7ad057cd-4d9e-4644-9728-5fe51a8471a4" xlink:to="loc_srt_ConsolidatedEntitiesDomain_42a99b5a-7332-48ef-95eb-270cf0839008" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_7fe7434b-ba46-4fcb-b2f8-37c9572a10d9" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_42a99b5a-7332-48ef-95eb-270cf0839008" xlink:to="loc_srt_ParentCompanyMember_7fe7434b-ba46-4fcb-b2f8-37c9572a10d9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_02506bf6-463a-42de-99f1-1dbe80675561" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_NetIncomeLoss_02506bf6-463a-42de-99f1-1dbe80675561" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_3d608354-93f4-4dac-959c-b693322ac273" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_3d608354-93f4-4dac-959c-b693322ac273" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_ee47362c-34e8-4216-845b-0cdaff9e6ad9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_ee47362c-34e8-4216-845b-0cdaff9e6ad9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_538ee1d9-fec2-497c-b8ee-540f72bd0b53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_538ee1d9-fec2-497c-b8ee-540f72bd0b53" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_9c340d84-7669-4bfd-81d7-c32fb03b0dda" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_9c340d84-7669-4bfd-81d7-c32fb03b0dda" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_1fe273ab-410e-4eb1-aa85-448a6a486d45" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_1fe273ab-410e-4eb1-aa85-448a6a486d45" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromInvestingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAcquiredFromAcquisition_fa8721fa-549e-4a08-8f00-8501a4593729" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAcquiredFromAcquisition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:to="loc_us-gaap_CashAcquiredFromAcquisition_fa8721fa-549e-4a08-8f00-8501a4593729" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetChangeInReceivableFromSubsidiaries_f634e9e2-0ba0-4de2-8fa0-ac5852c283a0" xlink:href="fbc-20231231.xsd#fbc_NetChangeInReceivableFromSubsidiaries"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:to="loc_fbc_NetChangeInReceivableFromSubsidiaries_f634e9e2-0ba0-4de2-8fa0-ac5852c283a0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_74501074-6a41-4c58-a13d-82714b9c1c05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_74501074-6a41-4c58-a13d-82714b9c1c05" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_e5eaa176-dd06-40ab-a280-f2666858a461" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_e5eaa176-dd06-40ab-a280-f2666858a461" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfOrdinaryDividends_fba1ad93-89b5-40a9-b077-d5aab1ff6dd0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfOrdinaryDividends"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:to="loc_us-gaap_PaymentsOfOrdinaryDividends_fba1ad93-89b5-40a9-b077-d5aab1ff6dd0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0b6db8d-cf2e-478f-8fab-3461ebe76586" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0b6db8d-cf2e-478f-8fab-3461ebe76586" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_f98aeb7d-7423-402f-8d11-f65a007b3742" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_f98aeb7d-7423-402f-8d11-f65a007b3742" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6f892859-59f1-45b8-87a3-b785efa7485d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6f892859-59f1-45b8-87a3-b785efa7485d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_1730a10e-2318-485d-b9f2-922cd3887b73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SubsequentEventsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#SubsequentEventsDetails"/>
  <link:definitionLink xlink:role="http://www.flagstar.com/role/SubsequentEventsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7c8cedc9-30c9-4d62-be98-42e13207980b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7c8cedc9-30c9-4d62-be98-42e13207980b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7c8cedc9-30c9-4d62-be98-42e13207980b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7c8cedc9-30c9-4d62-be98-42e13207980b" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7c8cedc9-30c9-4d62-be98-42e13207980b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_cb7612b4-e6a2-4764-82e8-fc531d09156f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7c8cedc9-30c9-4d62-be98-42e13207980b" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_cb7612b4-e6a2-4764-82e8-fc531d09156f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_65fe987f-b41b-4237-a332-de0a4a26d06e" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_cb7612b4-e6a2-4764-82e8-fc531d09156f" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_65fe987f-b41b-4237-a332-de0a4a26d06e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_e1010732-7fbd-4490-966f-8f8b42fed696" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_e1010732-7fbd-4490-966f-8f8b42fed696" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_e1010732-7fbd-4490-966f-8f8b42fed696_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_e1010732-7fbd-4490-966f-8f8b42fed696" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_e1010732-7fbd-4490-966f-8f8b42fed696_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a0ef4efb-8963-4c74-9aea-2d5a7a63ace2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_e1010732-7fbd-4490-966f-8f8b42fed696" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a0ef4efb-8963-4c74-9aea-2d5a7a63ace2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_0c4964c9-1653-42a4-94e2-4f3aacb0281d" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a0ef4efb-8963-4c74-9aea-2d5a7a63ace2" xlink:to="loc_fbc_MultiFamilyLoanMember_0c4964c9-1653-42a4-94e2-4f3aacb0281d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_96cf84a3-2f1c-4326-9922-dab5a6ed7106" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_StatementClassOfStockAxis_96cf84a3-2f1c-4326-9922-dab5a6ed7106" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_96cf84a3-2f1c-4326-9922-dab5a6ed7106_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_96cf84a3-2f1c-4326-9922-dab5a6ed7106" xlink:to="loc_us-gaap_ClassOfStockDomain_96cf84a3-2f1c-4326-9922-dab5a6ed7106_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_dc386a0b-8695-4c43-b46b-a41617548f5a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_96cf84a3-2f1c-4326-9922-dab5a6ed7106" xlink:to="loc_us-gaap_ClassOfStockDomain_dc386a0b-8695-4c43-b46b-a41617548f5a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember_fb039178-0921-40e0-b5df-d2c68669bec7" xlink:href="fbc-20231231.xsd#fbc_SeriesBNoncumulativeConvertiblePreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_dc386a0b-8695-4c43-b46b-a41617548f5a" xlink:to="loc_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember_fb039178-0921-40e0-b5df-d2c68669bec7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember_5b170381-51e6-4a1e-ad28-c225d5224d5f" xlink:href="fbc-20231231.xsd#fbc_SeriesCNoncumulativeConvertiblePreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_dc386a0b-8695-4c43-b46b-a41617548f5a" xlink:to="loc_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember_5b170381-51e6-4a1e-ad28-c225d5224d5f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_3704d973-7f41-4ec6-bb47-7c9b236a0d13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_3704d973-7f41-4ec6-bb47-7c9b236a0d13" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_3704d973-7f41-4ec6-bb47-7c9b236a0d13_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_3704d973-7f41-4ec6-bb47-7c9b236a0d13" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_3704d973-7f41-4ec6-bb47-7c9b236a0d13_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_c897d61c-4449-4981-8726-c90049520d3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_3704d973-7f41-4ec6-bb47-7c9b236a0d13" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_c897d61c-4449-4981-8726-c90049520d3c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_6ed57f0c-1598-4e96-9bef-0d38c94ea3ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_c897d61c-4449-4981-8726-c90049520d3c" xlink:to="loc_us-gaap_SubsequentEventMember_6ed57f0c-1598-4e96-9bef-0d38c94ea3ef" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_13f25d57-e530-445b-87f8-c3aa943f74eb" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatementScenarioAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_srt_StatementScenarioAxis_13f25d57-e530-445b-87f8-c3aa943f74eb" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_13f25d57-e530-445b-87f8-c3aa943f74eb_default" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_StatementScenarioAxis_13f25d57-e530-445b-87f8-c3aa943f74eb" xlink:to="loc_srt_ScenarioUnspecifiedDomain_13f25d57-e530-445b-87f8-c3aa943f74eb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_b3959ee6-669d-4ef0-92cc-7ebd758b742f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_StatementScenarioAxis_13f25d57-e530-445b-87f8-c3aa943f74eb" xlink:to="loc_srt_ScenarioUnspecifiedDomain_b3959ee6-669d-4ef0-92cc-7ebd758b742f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioForecastMember_da3e715e-2592-4278-9d83-e0ce5a965605" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioForecastMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ScenarioUnspecifiedDomain_b3959ee6-669d-4ef0-92cc-7ebd758b742f" xlink:to="loc_srt_ScenarioForecastMember_da3e715e-2592-4278-9d83-e0ce5a965605" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis_6fbce642-44ee-4b60-8c7f-1587e9037f06" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_SubsidiarySaleOfStockAxis_6fbce642-44ee-4b60-8c7f-1587e9037f06" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_6fbce642-44ee-4b60-8c7f-1587e9037f06_default" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_6fbce642-44ee-4b60-8c7f-1587e9037f06" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_6fbce642-44ee-4b60-8c7f-1587e9037f06_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_7bc42da4-a8ed-4a9e-b3d6-3fccc2ef43c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_6fbce642-44ee-4b60-8c7f-1587e9037f06" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_7bc42da4-a8ed-4a9e-b3d6-3fccc2ef43c4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquityCapitalRaiseMember_ce6eb2e8-f4d8-4a65-b6ec-53b4d15d0357" xlink:href="fbc-20231231.xsd#fbc_EquityCapitalRaiseMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_7bc42da4-a8ed-4a9e-b3d6-3fccc2ef43c4" xlink:to="loc_fbc_EquityCapitalRaiseMember_ce6eb2e8-f4d8-4a65-b6ec-53b4d15d0357" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableSale_c20af0c4-6b93-4f9c-ad11-c89399231d81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_FinancingReceivableSale_c20af0c4-6b93-4f9c-ad11-c89399231d81" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_6873e4b9-10b5-472d-b904-231efe338189" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_6873e4b9-10b5-472d-b904-231efe338189" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockPricePerShare_cd22ad3e-405f-4fac-bc89-c14189e148fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockPricePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_SaleOfStockPricePerShare_cd22ad3e-405f-4fac-bc89-c14189e148fd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_d04e4465-cde9-4beb-a626-e6d7b6f0dffd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_d04e4465-cde9-4beb-a626-e6d7b6f0dffd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockConvertibleConversionPrice_ec0c0256-d3c1-4c89-9fcc-05eee5bda2f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockConvertibleConversionPrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_PreferredStockConvertibleConversionPrice_ec0c0256-d3c1-4c89-9fcc-05eee5bda2f4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstanding_6393aed0-f48b-4a23-a687-0f32f15ff699" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantsAndRightsOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_WarrantsAndRightsOutstanding_6393aed0-f48b-4a23-a687-0f32f15ff699" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_d5d7fc24-c933-410c-9042-ddeffd276eee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_d5d7fc24-c933-410c-9042-ddeffd276eee" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" xlink:type="simple" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-roles-2023.xsd#eedm"/>
  <link:definitionLink xlink:role="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="loc_us-gaap_NoninterestIncome" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/AwardTypeOnly" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#AwardTypeOnly"/>
  <link:definitionLink xlink:role="http://xbrl.sec.gov/ecd/AwardTypeOnly" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_RestrictedStockMember" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RestrictedStockandRestrictedStockUnitsMember_3290636f-6c7e-4c1e-8d0c-d10c9e175c08" xlink:href="fbc-20231231.xsd#fbc_RestrictedStockandRestrictedStockUnitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_fbc_RestrictedStockandRestrictedStockUnitsMember_3290636f-6c7e-4c1e-8d0c-d10c9e175c08" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_PerformanceSharesMember" xlink:type="arc" order="7"/>
  </link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>11
<FILENAME>fbc-20231231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:bcf5b3f7-51bd-440b-a38b-1e93b39d7ed3,g:a0b96615-d252-4bd2-95c9-6be1cb8e717d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_8b370270-cb9f-4c85-8189-74290a74c42d_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2020</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_terseLabel_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs)</link:label>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_label_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:to="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExcessCapital_8cb7bc2a-a389-4526-a4b8-9daa8a799bb7_terseLabel_en-US" xlink:label="lab_us-gaap_ExcessCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess, amount</link:label>
    <link:label id="lab_us-gaap_ExcessCapital_label_en-US" xlink:label="lab_us-gaap_ExcessCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital, Excess, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExcessCapital" xlink:to="lab_us-gaap_ExcessCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_19e08361-ed95-49f9-8538-d39c7d1a0c38_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Revolving Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_02fa50b5-422b-4a48-823b-5f14482aae69_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sales of securities available for sale including loans that have been securitized</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:to="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_e75ae0cc-c2b9-4999-b295-0063e546d2d8_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of Total Loan class</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:to="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_eaf4250e-3ebc-4ebf-9fa0-ceb6efc97b28_verboseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Changes in operating assets and liabilities:</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Operating Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_de8a7254-cda5-4cc5-9b05-1c7dd36dbc9c_terseLabel_en-US" xlink:label="lab_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Convertible Preferred Stock, Shares Issued upon Conversion</link:label>
    <link:label id="lab_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_label_en-US" xlink:label="lab_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Convertible Preferred Stock, Shares Issued upon Conversion</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion" xlink:to="lab_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_ba99a842-8d31-4b46-b21a-4518b8b49e13_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchases of Federal Home Loan Bank and Federal Reserve Bank stock</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Federal Home Loan Bank Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireFederalHomeLoanBankStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:to="lab_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale_76b3c2d8-3a8d-46c9-bd85-5122c8dedec8_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale_label_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Loans Held For Sale</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Loans Held For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" xlink:to="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_5990c8a5-4724-4451-9a91-80b955fd1da8_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Sales</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_3414db28-3754-4492-b2bf-f3b254552b6b_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Type [Domain]</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestBearingDepositLiabilities_9ba16b0b-9c8e-4b9b-850b-5e1a341718ec_verboseLabel_en-US" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-interest-bearing accounts</link:label>
    <link:label id="lab_us-gaap_NoninterestBearingDepositLiabilities_57ad995e-7593-4a30-b38e-97cf0aca88af_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-interest-bearing accounts</link:label>
    <link:label id="lab_us-gaap_NoninterestBearingDepositLiabilities_label_en-US" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest-Bearing Deposit Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestBearingDepositLiabilities" xlink:to="lab_us-gaap_NoninterestBearingDepositLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardGrantDateFairValue_terseLabel_en-US" xlink:label="lab_ecd_AwardGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value as of Grant Date</link:label>
    <link:label id="lab_ecd_AwardGrantDateFairValue_label_en-US" xlink:label="lab_ecd_AwardGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardGrantDateFairValue" xlink:to="lab_ecd_AwardGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_RealPropertyCollateralMember_6711a794-0f5d-4366-92b6-36d7bb29f6fa_terseLabel_en-US" xlink:label="lab_fbc_RealPropertyCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Property</link:label>
    <link:label id="lab_fbc_RealPropertyCollateralMember_label_en-US" xlink:label="lab_fbc_RealPropertyCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Property Collateral [Member]</link:label>
    <link:label id="lab_fbc_RealPropertyCollateralMember_documentation_en-US" xlink:label="lab_fbc_RealPropertyCollateralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Real Property Collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RealPropertyCollateralMember" xlink:href="fbc-20231231.xsd#fbc_RealPropertyCollateralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_RealPropertyCollateralMember" xlink:to="lab_fbc_RealPropertyCollateralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_bda9b25e-c554-46de-8d79-4757c60682e8_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt and Equity Securities, FV-NI [Line Items]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_label_en-US" xlink:label="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt and Equity Securities, FV-NI [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:to="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock_50a87e27-9684-4d2a-afe0-8a4a64d5cdb3_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Net Assets Acquired</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PerformanceGuaranteeMember_0ea3b7dd-7b98-4edd-a86c-eb0e1e92c8a6_terseLabel_en-US" xlink:label="lab_us-gaap_PerformanceGuaranteeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance stand-by letters of credit</link:label>
    <link:label id="lab_us-gaap_PerformanceGuaranteeMember_label_en-US" xlink:label="lab_us-gaap_PerformanceGuaranteeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Guarantee [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceGuaranteeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceGuaranteeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PerformanceGuaranteeMember" xlink:to="lab_us-gaap_PerformanceGuaranteeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock_b60f7dc0-994f-45de-bbdf-489b5215d53e_terseLabel_en-US" xlink:label="lab_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Trading, and Equity Securities, FV-NI</link:label>
    <link:label id="lab_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock_label_en-US" xlink:label="lab_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Trading, and Equity Securities, FV-NI [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock" xlink:to="lab_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_061043d1-e572-4b02-9117-ac3e70fa6676_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">2023</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_InterestRateSwapsandSwaptionsMember_66d957f9-5e4c-4857-a99f-a89218b84145_verboseLabel_en-US" xlink:label="lab_fbc_InterestRateSwapsandSwaptionsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swaps and swaptions</link:label>
    <link:label id="lab_fbc_InterestRateSwapsandSwaptionsMember_058580ad-ae8e-4585-bb9f-c7c140249e59_terseLabel_en-US" xlink:label="lab_fbc_InterestRateSwapsandSwaptionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swaps and swaptions</link:label>
    <link:label id="lab_fbc_InterestRateSwapsandSwaptionsMember_label_en-US" xlink:label="lab_fbc_InterestRateSwapsandSwaptionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Swaps and Swaptions [Member]</link:label>
    <link:label id="lab_fbc_InterestRateSwapsandSwaptionsMember_documentation_en-US" xlink:label="lab_fbc_InterestRateSwapsandSwaptionsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Rate Swaps and Swaptions [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsandSwaptionsMember" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsandSwaptionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_InterestRateSwapsandSwaptionsMember" xlink:to="lab_fbc_InterestRateSwapsandSwaptionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_8c5b767c-4d6c-4259-a97b-b0e6b44aece4_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted-average contractual interest rate</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Weighted Average Interest Rate Decrease from Modification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" xlink:to="lab_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_EquityInstrumentFDICAppreciationIssued_c990b38f-f204-4d3b-a68d-5350b22ccab7_terseLabel_en-US" xlink:label="lab_fbc_EquityInstrumentFDICAppreciationIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance of FDIC Equity appreciation instrument</link:label>
    <link:label id="lab_fbc_EquityInstrumentFDICAppreciationIssued_label_en-US" xlink:label="lab_fbc_EquityInstrumentFDICAppreciationIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Instrument, FDIC Appreciation, Issued</link:label>
    <link:label id="lab_fbc_EquityInstrumentFDICAppreciationIssued_documentation_en-US" xlink:label="lab_fbc_EquityInstrumentFDICAppreciationIssued" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity Instrument, FDIC Appreciation, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquityInstrumentFDICAppreciationIssued" xlink:href="fbc-20231231.xsd#fbc_EquityInstrumentFDICAppreciationIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_EquityInstrumentFDICAppreciationIssued" xlink:to="lab_fbc_EquityInstrumentFDICAppreciationIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdvancesFromFederalHomeLoanBanks_ae7677a7-193a-4791-98f9-780dee80ea77_totalLabel_en-US" xlink:label="lab_us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total FHLB advances</link:label>
    <link:label id="lab_us-gaap_AdvancesFromFederalHomeLoanBanks_label_en-US" xlink:label="lab_us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Advance from Federal Home Loan Bank</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:to="lab_us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding_dabb93d4-9ee5-4bf2-b047-43f1c78ec442_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB advances, average amount overnight</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Activity for Year, Average Balance of Agreements Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_bbb73013-20aa-4b23-998b-6b1c9ef611f3_periodStartLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at Beginning of Year</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_2c1c3766-f251-4d95-ad1f-9a57dba0c878_periodEndLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at End of Year</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_79e62b12-05e4-4fa1-8945-688cd9dd4768_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest receivable</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive_90ed6578-df21-42b8-a3b6-e80f7596cdc9_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_26b3d785-00ee-4849-b0e9-88b611b13a3b_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTradingPoliciesProcLineItems_label_en-US" xlink:label="lab_ecd_InsiderTradingPoliciesProcLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="lab_ecd_InsiderTradingPoliciesProcLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharesIssuedPricePerShare_c2a30748-d8fc-4a19-ba81-283384b04434_terseLabel_en-US" xlink:label="lab_us-gaap_SharesIssuedPricePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issued, price per share (in usd per share)</link:label>
    <link:label id="lab_us-gaap_SharesIssuedPricePerShare_label_en-US" xlink:label="lab_us-gaap_SharesIssuedPricePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Issued, Price Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesIssuedPricePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesIssuedPricePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharesIssuedPricePerShare" xlink:to="lab_us-gaap_SharesIssuedPricePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Rule10b51ArrTrmntdFlag_terseLabel_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated</link:label>
    <link:label id="lab_ecd_Rule10b51ArrTrmntdFlag_label_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:to="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_2ad57baa-06a0-4108-b145-b104f5d2fe7c_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_terseLabel_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement does not require Recovery</link:label>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_label_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Does Not Require Recovery [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:to="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositLiabilitiesTypeTableTextBlock_9e55d996-3840-44c8-b1ef-3f1baa68cbcd_terseLabel_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesTypeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposit Liabilities, Type</link:label>
    <link:label id="lab_us-gaap_DepositLiabilitiesTypeTableTextBlock_label_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesTypeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit Liabilities, Type [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesTypeTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositLiabilitiesTypeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositLiabilitiesTypeTableTextBlock" xlink:to="lab_us-gaap_DepositLiabilitiesTypeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_e0d9853f-0092-4e35-8c10-875798885f02_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current</link:label>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Not Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialAssetNotPastDueMember" xlink:to="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubordinatedDebtMember_0e3901f4-15f0-4c02-b11f-7f91b6f276aa_terseLabel_en-US" xlink:label="lab_us-gaap_SubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated notes</link:label>
    <link:label id="lab_us-gaap_SubordinatedDebtMember_label_en-US" xlink:label="lab_us-gaap_SubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebtMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubordinatedDebtMember" xlink:to="lab_us-gaap_SubordinatedDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears_f7cd8463-31a6-49e3-a84d-ed97630e2462_terseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-Type and Direct Financing Leases, Payment to be Received, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BankOwnedLifeInsuranceIncome_6dad5293-38b8-40de-89a8-a4f8e0765697_terseLabel_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsuranceIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bank-owned life insurance</link:label>
    <link:label id="lab_us-gaap_BankOwnedLifeInsuranceIncome_label_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsuranceIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank Owned Life Insurance Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankOwnedLifeInsuranceIncome" xlink:to="lab_us-gaap_BankOwnedLifeInsuranceIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_29dc816d-7454-4506-a42d-a562ae6237f2_terseLabel_en-US" xlink:label="lab_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of loans held for investment</link:label>
    <link:label id="lab_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_label_en-US" xlink:label="lab_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, before Allowance for Credit Loss, to Total, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" xlink:to="lab_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock_81524102-e5a2-45ed-8b57-eff0d4fa7abf_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Subordinated Borrowing</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Subordinated Borrowing [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfSubordinatedBorrowingTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock" xlink:to="lab_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_fe1d0cb1-ceae-4a4a-8ed6-e02f928ea32b_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issued for restricted stock, net of forfeitures (in shares)</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes_413afc2b-db67-433e-97a7-3192ff0e27cf_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments relating to prior tax years</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Prior Year Income Taxes, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes" xlink:to="lab_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_99afd404-d450-4758-9002-208afffd642a_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal &#8211; deferred</link:label>
    <link:label id="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Federal Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredFederalIncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_0b17a070-5272-4ddc-8a1a-be7d3a908d5b_terseLabel_en-US" xlink:label="lab_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swaps on multi-family loans held for investment(1)</link:label>
    <link:label id="lab_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_label_en-US" xlink:label="lab_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Swap On Multi-Family Loans Held For Investment [Member]</link:label>
    <link:label id="lab_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_documentation_en-US" xlink:label="lab_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Rate Swap On Multi-Family Loans Held For Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember" xlink:to="lab_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockValue_cc0c7192-71a1-4dfb-aba4-469a48c12334_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock at par $0.01 (5,000,000 shares authorized): Series A (515,000 shares issued and outstanding)</link:label>
    <link:label id="lab_us-gaap_PreferredStockValue_label_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Value, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockValue" xlink:to="lab_us-gaap_PreferredStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTypeDomain_a423948e-f7ca-4daf-8cf9-44e791b0013b_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Domain]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTypeDomain_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeDomain" xlink:to="lab_us-gaap_SubsequentEventTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender_4c61c3af-4af0-4677-b53a-1f6237c17d9f_terseLabel_en-US" xlink:label="lab_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bad debt reserve</link:label>
    <link:label id="lab_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender_label_en-US" xlink:label="lab_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bad Debt Reserve, Tax Purpose of Qualified Lender</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender" xlink:to="lab_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_d627e721-bcbb-43af-9fcb-6bdc4674f332_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_1d1d1b21-b8d7-4f9f-b5c2-b209e82c7ed2_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Cash dividends paid on common stock</link:label>
    <link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of Ordinary Dividends, Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDividendsCommonStock" xlink:to="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossLineItems_59a05579-f575-4328-8a64-795a08a8f2cc_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Line Items]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:to="lab_us-gaap_DerivativeInstrumentsGainLossLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_0306d780-054d-4532-8f73-293781c1f05a_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted (in usd per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_29e4f0a5-4c0b-44f2-9d27-6f4e4d6cf590_verboseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Diluted (loss) earnings per common share and common share equivalents (in usd per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareDiluted" xlink:to="lab_us-gaap_EarningsPerShareDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfInvestmentsTable_8e989b28-2ef0-46c0-8728-0b9ea0b14b91_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfInvestmentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Investments [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfInvestmentsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfInvestmentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Investments [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable" xlink:to="lab_us-gaap_ScheduleOfInvestmentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_412260ef-7ee7-4137-86af-3fc00b5c92b7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustment for net (loss) gain on cash flow hedges included in net income, net of tax $17; $1 and $(7), respectively</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, after Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_2876a8de-063f-41bb-ad63-c9918811e5a2_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in net unrealized gain on cash flow hedges, net of tax of $(3); $(24) and $(2), respectively</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_fe28a825-ccef-47fa-9c1a-028440ead65a_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Net Benefit Costs</link:label>
    <link:label id="lab_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Net Benefit Costs [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfNetBenefitCostsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_5a168a73-2b31-4ac7-9ca4-5eb609ba085d_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_6d510738-352c-4afa-a1cd-4be28fea06c0_terseLabel_en-US" xlink:label="lab_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">US Government Agencies Debt Securities</link:label>
    <link:label id="lab_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US Government Agencies Debt Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:to="lab_us-gaap_USGovernmentAgenciesDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GuaranteeObligationsNatureDomain_99abd915-b39e-4649-a193-13e21ce9511a_terseLabel_en-US" xlink:label="lab_us-gaap_GuaranteeObligationsNatureDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Nature [Domain]</link:label>
    <link:label id="lab_us-gaap_GuaranteeObligationsNatureDomain_label_en-US" xlink:label="lab_us-gaap_GuaranteeObligationsNatureDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Nature [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsNatureDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsNatureDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain" xlink:to="lab_us-gaap_GuaranteeObligationsNatureDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesMember_f7a3b965-3c35-4b7d-b995-6ea5234efe11_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesMember_a88334c5-e815-4111-bf08-52e001b9ab5d_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other Debt Securities Available for Sale:</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesMember" xlink:to="lab_us-gaap_DebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_88f00b17-58cf-4139-b0c8-3ba2ae5a5815_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in net unrealized (loss) gain on securities available for sale, tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAcquiredFromAcquisition_04860220-33a0-43f9-a811-795a9d9c2101_verboseLabel_en-US" xlink:label="lab_us-gaap_CashAcquiredFromAcquisition" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash acquired in business acquisition</link:label>
    <link:label id="lab_us-gaap_CashAcquiredFromAcquisition_3d5905fd-be21-49d1-b7d3-4b2d91a88190_terseLabel_en-US" xlink:label="lab_us-gaap_CashAcquiredFromAcquisition" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Acquired from Acquisition</link:label>
    <link:label id="lab_us-gaap_CashAcquiredFromAcquisition_label_en-US" xlink:label="lab_us-gaap_CashAcquiredFromAcquisition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Acquired from Acquisition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAcquiredFromAcquisition" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAcquiredFromAcquisition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAcquiredFromAcquisition" xlink:to="lab_us-gaap_CashAcquiredFromAcquisition" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresAbstract_4b2c7fed-ea97-4958-9ece-6b03e7c9bd5a_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Abstract]</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosuresAbstract_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract" xlink:to="lab_us-gaap_FairValueDisclosuresAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid_0447902f-bc60-403c-b786-f70a1bf241e4_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annuity payments</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Benefits Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid" xlink:to="lab_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill_58812273-0ad5-4fb3-8e29-de9a0572d176_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Carrying Amount</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets, Gross (Excluding Goodwill)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:to="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_933d1420-2dde-4036-9e5c-a895745a4554_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfDebtDiscountPremium_46b1772a-fba1-4666-9a95-66a30c4fb9a3_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfDebtDiscountPremium" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of discounts and premiums, net</link:label>
    <link:label id="lab_us-gaap_AmortizationOfDebtDiscountPremium_label_en-US" xlink:label="lab_us-gaap_AmortizationOfDebtDiscountPremium" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Debt Discount (Premium)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfDebtDiscountPremium"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfDebtDiscountPremium" xlink:to="lab_us-gaap_AmortizationOfDebtDiscountPremium" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessAcquisitionsProFormaNonInterestIncome_350da927-0e70-4ddc-9472-9009f80a4f46_terseLabel_en-US" xlink:label="lab_fbc_BusinessAcquisitionsProFormaNonInterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-interest income</link:label>
    <link:label id="lab_fbc_BusinessAcquisitionsProFormaNonInterestIncome_label_en-US" xlink:label="lab_fbc_BusinessAcquisitionsProFormaNonInterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisitions, Pro Forma Non Interest Income</link:label>
    <link:label id="lab_fbc_BusinessAcquisitionsProFormaNonInterestIncome_documentation_en-US" xlink:label="lab_fbc_BusinessAcquisitionsProFormaNonInterestIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Acquisitions, Pro Forma Non Interest Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessAcquisitionsProFormaNonInterestIncome" xlink:href="fbc-20231231.xsd#fbc_BusinessAcquisitionsProFormaNonInterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessAcquisitionsProFormaNonInterestIncome" xlink:to="lab_fbc_BusinessAcquisitionsProFormaNonInterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_1060fd7a-1ab3-43ed-b782-418a41cbebb3_verboseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Investment Securities</link:label>
    <link:label id="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_024f7292-5a02-4be2-8137-8376811dd1fd_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stockholders' equity:</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity, Attributable to Parent [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityAbstract" xlink:to="lab_us-gaap_StockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_AuditInformationAbstract_label_en-US" xlink:label="lab_fbc_AuditInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Audit Information [Abstract]</link:label>
    <link:label id="lab_fbc_AuditInformationAbstract_documentation_en-US" xlink:label="lab_fbc_AuditInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Audit Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AuditInformationAbstract" xlink:href="fbc-20231231.xsd#fbc_AuditInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_AuditInformationAbstract" xlink:to="lab_fbc_AuditInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears_42024eb4-dea8-4aab-98fc-6368361f869e_terseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-Type and Direct Financing Leases, Payment to be Received, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherIntangibleAssetsMember_e592c795-1280-41ad-8142-3152c08b2030_terseLabel_en-US" xlink:label="lab_us-gaap_OtherIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Intangible Assets</link:label>
    <link:label id="lab_us-gaap_OtherIntangibleAssetsMember_label_en-US" xlink:label="lab_us-gaap_OtherIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Intangible Assets [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIntangibleAssetsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherIntangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherIntangibleAssetsMember" xlink:to="lab_us-gaap_OtherIntangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_9279f840-dff4-4ee5-b84f-c1e88eb4e8ce_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Computation of Basic and Diluted Earnings Per Share of Common Stock</link:label>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRestricted_b34e023b-2ecb-4492-8608-f32daa6d573b_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRestricted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pledged investment securities</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRestricted_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRestricted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Restricted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRestricted" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleRestricted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleRestricted" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleRestricted" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ExecutiveCategoryAxis_terseLabel_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive Category:</link:label>
    <link:label id="lab_ecd_ExecutiveCategoryAxis_label_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Category [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="lab_ecd_ExecutiveCategoryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVIMember_f8adbb81-2550-4ea0-81c7-b0360c226948_terseLabel_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVIMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust VI</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVIMember_label_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVIMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust VI [Member]</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVIMember_documentation_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVIMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust VI</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVIMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVIMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarStatutoryTrustVIMember" xlink:to="lab_fbc_FlagstarStatutoryTrustVIMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_f150a71f-d654-407f-b511-d6c5e0815424_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Roll Forward of Financial Instruments</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_71a1eae1-0c2f-4185-9b57-560051113a7f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Liabilities:</link:label>
    <link:label id="lab_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Liabilities Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract" xlink:to="lab_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_dcda18be-7c13-4f94-b3e5-f98fc8fc03d3_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Shares</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_f8c43010-0343-473d-bbb3-1080605d1749_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prior service cost</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, Prior Service Cost (Credit), before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax" xlink:to="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SignificantAccountingPoliciesTextBlock_49303e30-ed80-4f06-8c15-1ad0f2c979ea_terseLabel_en-US" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Significant Accounting Policies</link:label>
    <link:label id="lab_us-gaap_SignificantAccountingPoliciesTextBlock_label_en-US" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Significant Accounting Policies [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_61754dd2-910a-4dfa-a3a0-9bd9190a215e_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Quoted Prices in Active Markets for Identical Assets (Level 1)</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel1Member" xlink:to="lab_us-gaap_FairValueInputsLevel1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_CommonStockIssuedInBusinessCombination_fa98bb97-31e3-4d2f-a0b9-f376c666984e_terseLabel_en-US" xlink:label="lab_fbc_CommonStockIssuedInBusinessCombination" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock issued in business combination</link:label>
    <link:label id="lab_fbc_CommonStockIssuedInBusinessCombination_label_en-US" xlink:label="lab_fbc_CommonStockIssuedInBusinessCombination" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock Issued In Business Combination</link:label>
    <link:label id="lab_fbc_CommonStockIssuedInBusinessCombination_documentation_en-US" xlink:label="lab_fbc_CommonStockIssuedInBusinessCombination" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Common Stock Issued In Business Combination</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommonStockIssuedInBusinessCombination" xlink:href="fbc-20231231.xsd#fbc_CommonStockIssuedInBusinessCombination"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_CommonStockIssuedInBusinessCombination" xlink:to="lab_fbc_CommonStockIssuedInBusinessCombination" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseAbstract_79cc1d98-fd0f-4ae2-8ef3-a6892cf81b1e_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">INTEREST EXPENSE:</link:label>
    <link:label id="lab_us-gaap_InterestExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_InterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseAbstract" xlink:to="lab_us-gaap_InterestExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeSecurities_807cf4ac-02dc-4af7-85df-b369741aab8a_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities and money market investments</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeSecurities_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Securities, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeSecurities" xlink:to="lab_us-gaap_InterestAndDividendIncomeSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapital_d498ccf5-5888-446a-bfdb-8ce6ee1a1b52_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital, amount</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapital_label_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonEquityTierOneCapital" xlink:to="lab_us-gaap_CommonEquityTierOneCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_bf7da00c-457f-491a-9b50-65cc026f4862_terseLabel_en-US" xlink:label="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Value</link:label>
    <link:label id="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reported Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:to="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GuaranteeObligationsMaximumExposure_bdde6af4-a79c-4e68-8c40-b312869ef672_terseLabel_en-US" xlink:label="lab_us-gaap_GuaranteeObligationsMaximumExposure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial, performance stand-by, and financial stand-by letters of credit</link:label>
    <link:label id="lab_us-gaap_GuaranteeObligationsMaximumExposure_b5d7d1c3-aae7-4932-a902-8c83915f1301_verboseLabel_en-US" xlink:label="lab_us-gaap_GuaranteeObligationsMaximumExposure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maximum Potential Amount of Future Payments</link:label>
    <link:label id="lab_us-gaap_GuaranteeObligationsMaximumExposure_label_en-US" xlink:label="lab_us-gaap_GuaranteeObligationsMaximumExposure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Maximum Exposure, Undiscounted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsMaximumExposure" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsMaximumExposure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteeObligationsMaximumExposure" xlink:to="lab_us-gaap_GuaranteeObligationsMaximumExposure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_fd3f8e32-4057-4fc8-8f04-41818fcb384f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revolving Loans Converted to Term Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BifurcatedOptionNotesUnitSecuritiesMember_829196e3-7d82-4185-8375-b5e8188b2337_terseLabel_en-US" xlink:label="lab_fbc_BifurcatedOptionNotesUnitSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bifurcated Option Notes Unit Securities</link:label>
    <link:label id="lab_fbc_BifurcatedOptionNotesUnitSecuritiesMember_label_en-US" xlink:label="lab_fbc_BifurcatedOptionNotesUnitSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bifurcated Option Notes Unit Securities [Member]</link:label>
    <link:label id="lab_fbc_BifurcatedOptionNotesUnitSecuritiesMember_documentation_en-US" xlink:label="lab_fbc_BifurcatedOptionNotesUnitSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Bifurcated option notes unit securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BifurcatedOptionNotesUnitSecuritiesMember" xlink:href="fbc-20231231.xsd#fbc_BifurcatedOptionNotesUnitSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BifurcatedOptionNotesUnitSecuritiesMember" xlink:to="lab_fbc_BifurcatedOptionNotesUnitSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued_7ccf883b-c36b-4406-9246-9ef90f26ff6e_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments to warrants issued</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments to Additional Paid in Capital, Warrant Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract_baaca85e-6da6-47a7-a601-8d39d65ec0ce_terseLabel_en-US" xlink:label="lab_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Leases:</link:label>
    <link:label id="lab_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract_label_en-US" xlink:label="lab_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Assets And Liabilities, Lessee [Abstract]</link:label>
    <link:label id="lab_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract_documentation_en-US" xlink:label="lab_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Operating Lease, Assets And Liabilities, Lessee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" xlink:href="fbc-20231231.xsd#fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" xlink:to="lab_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTextBlock_53394ff0-7261-4217-ba24-caad732b59e0_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Premises and Equipment and Estimated Useful Lives</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTextBlock_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_c46c83de-f854-480f-9cf9-66218b0ef61a_terseLabel_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementEquityComponentsAxis_label_en-US" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementEquityComponentsAxis" xlink:to="lab_us-gaap_StatementEquityComponentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_f851f565-9175-400e-8679-5b50dc6a8116_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offering price (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right, Exercise Price of Warrants or Rights</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1" xlink:to="lab_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_9a3edaeb-191e-427e-bc4a-fe1a278591b6_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure</link:label>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_label_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Additional402vDisclosureTextBlock" xlink:to="lab_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems_8c9ad6ae-5cd5-4545-927b-948e0549390b_terseLabel_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedBalanceSheetStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock_46794a60-87d4-4dde-86d6-69937ba1e725_terseLabel_en-US" xlink:label="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for Credit Losses on Loans and Leases</link:label>
    <link:label id="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Loss, Financial Instrument [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditLossFinancialInstrumentPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:to="lab_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgingRelationshipDomain_2f2ba9c9-834c-4f19-9571-1229bde07c9a_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingRelationshipDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Domain]</link:label>
    <link:label id="lab_us-gaap_HedgingRelationshipDomain_label_en-US" xlink:label="lab_us-gaap_HedgingRelationshipDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingRelationshipDomain" xlink:to="lab_us-gaap_HedgingRelationshipDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentTypeAxis_6a48ebfe-609e-4c95-baa1-3175cc76c5d3_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment Type [Axis]</link:label>
    <link:label id="lab_us-gaap_InvestmentTypeAxis_label_en-US" xlink:label="lab_us-gaap_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentTypeAxis" xlink:to="lab_us-gaap_InvestmentTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_8bf103ba-8d11-4e7f-888d-be89cf599b8d_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Options available for future grants (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_1790c3ad-a782-466e-968e-d43cad381fd3_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Less: Allowance for credit losses on loans and leases</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_055f292e-7fcd-4686-ac68-2525d7833846_negatedLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Allowance for credit losses on loans and leases</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_d683b705-9cdf-4983-8155-6b04be9eedc3_periodStartLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_3ff470ac-a44a-43e4-b884-a148d0e50b14_periodEndLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_83f4cfa4-40a6-4539-8802-7fd3d296d97f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for credit losses on loans and leases</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_9ac7a3d7-1a33-454b-9089-9881c8688e4f_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Other Changes in Fair Value</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Other Changes in Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue" xlink:to="lab_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntitySmallBusiness_eb0770ac-17d1-43b3-82e4-fbc097940b2e_terseLabel_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Small Business</link:label>
    <link:label id="lab_dei_EntitySmallBusiness_label_en-US" xlink:label="lab_dei_EntitySmallBusiness" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Small Business</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntitySmallBusiness"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntitySmallBusiness" xlink:to="lab_dei_EntitySmallBusiness" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_a114737e-b8f6-454c-a80e-106bca1e8f9a_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_57a74d3c-4d52-4f04-99c7-fc132c20af9d_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_label_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember" xlink:to="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_f3d0076d-00d2-48b3-bc21-3560263db97b_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RecoveryOfErrCompDisclosureLineItems_label_en-US" xlink:label="lab_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recovery of Erroneously Awarded Compensation Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="lab_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeNotionalAmount_74b7fc9b-86e9-417c-b498-d8cb9e655fcd_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative, notional amount</link:label>
    <link:label id="lab_us-gaap_DerivativeNotionalAmount_label_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Notional Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeNotionalAmount" xlink:to="lab_us-gaap_DerivativeNotionalAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_8664c720-428b-46df-92c3-6d5a0f84c0a9_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Regulatory Capital Ratios</link:label>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate_ecb48695-32c2-4bd2-a435-faf236d69eab_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByMeasurementFrequencyAxis_521de502-4c08-4939-9547-910bd2cfbf95_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByMeasurementFrequencyAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:to="lab_us-gaap_FairValueByMeasurementFrequencyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExtendedMaturityMember_f17b9d34-f86e-4269-b3d7-7b195e773684_terseLabel_en-US" xlink:label="lab_us-gaap_ExtendedMaturityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term Extension</link:label>
    <link:label id="lab_us-gaap_ExtendedMaturityMember_label_en-US" xlink:label="lab_us-gaap_ExtendedMaturityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Extended Maturity [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExtendedMaturityMember" xlink:to="lab_us-gaap_ExtendedMaturityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities_b0907129-daca-496e-b05e-9b2ff97cc2b3_terseLabel_en-US" xlink:label="lab_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-interest-bearing accounts</link:label>
    <link:label id="lab_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities_label_en-US" xlink:label="lab_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Noninterest Bearing Deposit Liabilities</link:label>
    <link:label id="lab_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities_documentation_en-US" xlink:label="lab_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Noninterest Bearing Deposit Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities" xlink:href="fbc-20231231.xsd#fbc_WeightedAverageRateNoninterestBearingDepositLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities" xlink:to="lab_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets_c60f5601-2620-4e1b-b41a-769a7fae2237_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term inflation rate</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Change Due to Subsequent Interim Measurement, Weighted-Average Expected Long-Term Rate of Return on Plan Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets" xlink:to="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetirementPlanTypeDomain_10f2119b-09ab-4c38-95b2-d024239bbeec_terseLabel_en-US" xlink:label="lab_us-gaap_RetirementPlanTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retirement Plan Type [Domain]</link:label>
    <link:label id="lab_us-gaap_RetirementPlanTypeDomain_label_en-US" xlink:label="lab_us-gaap_RetirementPlanTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retirement Plan Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetirementPlanTypeDomain" xlink:to="lab_us-gaap_RetirementPlanTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedStockUnitsRSUMember_885ffefa-4d9a-4d3b-888c-9f3e7c45dba2_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted stock units</link:label>
    <link:label id="lab_us-gaap_RestrictedStockUnitsRSUMember_label_en-US" xlink:label="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock Units (RSUs) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:to="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Depreciation_0f112390-9e00-4bc4-8245-632b4fe162b1_terseLabel_en-US" xlink:label="lab_us-gaap_Depreciation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation</link:label>
    <link:label id="lab_us-gaap_Depreciation_label_en-US" xlink:label="lab_us-gaap_Depreciation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Depreciation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Depreciation" xlink:to="lab_us-gaap_Depreciation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CompensationAndRetirementDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retirement Benefits [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:to="lab_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LessorLeaseDescriptionTable_4170d441-1b40-4625-a2a6-0d2d4628dd59_terseLabel_en-US" xlink:label="lab_us-gaap_LessorLeaseDescriptionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lessor, Lease, Description [Table]</link:label>
    <link:label id="lab_us-gaap_LessorLeaseDescriptionTable_label_en-US" xlink:label="lab_us-gaap_LessorLeaseDescriptionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessor, Lease, Description [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorLeaseDescriptionTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorLeaseDescriptionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LessorLeaseDescriptionTable" xlink:to="lab_us-gaap_LessorLeaseDescriptionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember_832e1897-ca06-4df6-a9a5-14627fa391b7_terseLabel_en-US" xlink:label="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portion at fair value measurement</link:label>
    <link:label id="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portion at Fair Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:to="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVIIIMember_a52645de-5bf4-4b88-b755-de06a2b0aeb7_terseLabel_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVIIIMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust VIII</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVIIIMember_label_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVIIIMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust VIII [Member]</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVIIIMember_documentation_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVIIIMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust VIII</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVIIIMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVIIIMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarStatutoryTrustVIIIMember" xlink:to="lab_fbc_FlagstarStatutoryTrustVIIIMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_OfficersAndDirectorsMember_db70e8b0-c985-4f94-b492-39badd9de88b_terseLabel_en-US" xlink:label="lab_fbc_OfficersAndDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Officers And Directors</link:label>
    <link:label id="lab_fbc_OfficersAndDirectorsMember_label_en-US" xlink:label="lab_fbc_OfficersAndDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Officers And Directors [Member]</link:label>
    <link:label id="lab_fbc_OfficersAndDirectorsMember_documentation_en-US" xlink:label="lab_fbc_OfficersAndDirectorsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Officers And Directors</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OfficersAndDirectorsMember" xlink:href="fbc-20231231.xsd#fbc_OfficersAndDirectorsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_OfficersAndDirectorsMember" xlink:to="lab_fbc_OfficersAndDirectorsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_e6b32f53-6278-42b4-ba4c-e84a97e53f8a_terseLabel_en-US" xlink:label="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Assets and Servicing Liabilities Risk [Axis]</link:label>
    <link:label id="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_label_en-US" xlink:label="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets and Servicing Liabilities Risk [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:to="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_6504a6b9-627b-42cc-b013-de58b04058e9_terseLabel_en-US" xlink:label="lab_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale of stock issued in transaction (in shares)</link:label>
    <link:label id="lab_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_label_en-US" xlink:label="lab_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale of Stock, Number of Shares Issued in Transaction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction" xlink:to="lab_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_67a01dfd-7369-49ce-a45b-73b1e6b34360_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due after ten years</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsolidationVariableInterestEntityPolicy_d9de6fd6-e8bb-4932-8591-3f0816437c14_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Interest Entities</link:label>
    <link:label id="lab_us-gaap_ConsolidationVariableInterestEntityPolicy_label_en-US" xlink:label="lab_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation, Variable Interest Entity, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationVariableInterestEntityPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:to="lab_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_aaf5510c-8b63-499c-a9b2-68fed8d7948b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Prepaid pension cost</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Prepaid Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesPrepaidExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_terseLabel_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Available</link:label>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_label_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Securities Aggregate Available Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:to="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DirectFinancingLeaseLeaseReceivable_166d9a13-5dc8-4d61-bf9d-bb3d3ebcabc1_terseLabel_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseLeaseReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net investment in the lease - lease payments receivable</link:label>
    <link:label id="lab_us-gaap_DirectFinancingLeaseLeaseReceivable_label_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseLeaseReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Direct Financing Lease, Lease Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseLeaseReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseLeaseReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DirectFinancingLeaseLeaseReceivable" xlink:to="lab_us-gaap_DirectFinancingLeaseLeaseReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock_terseLabel_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Not Adopted</link:label>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock_label_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Not Adopted [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:to="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationAcquisitionRelatedCosts_2a95de8b-f418-4492-9061-0b70f829b79c_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Merger-related and restructuring expenses</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationAcquisitionRelatedCosts_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Acquisition Related Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:to="lab_us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SpecialMentionMember_908743f0-f48f-49f0-bfe9-1d3ebada7e27_terseLabel_en-US" xlink:label="lab_us-gaap_SpecialMentionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Special mention</link:label>
    <link:label id="lab_us-gaap_SpecialMentionMember_label_en-US" xlink:label="lab_us-gaap_SpecialMentionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Special Mention [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SpecialMentionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SpecialMentionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SpecialMentionMember" xlink:to="lab_us-gaap_SpecialMentionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AwardTypeAxis_d173bbcd-9dfc-493e-82cd-d9336fc86d3a_terseLabel_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Type [Axis]</link:label>
    <link:label id="lab_us-gaap_AwardTypeAxis_label_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="lab_us-gaap_AwardTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_520fe0a0-3ccb-49e7-850b-bd9c5f91fe56_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesLineItems_5276c236-2b4e-4edb-9bfc-1c00161fb1d6_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesLineItems_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_a6de8f2d-b434-4f0d-bfbb-065b0d8bd16a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prior To 2019</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket_aeb7b7b6-96a9-4c58-8038-d86723ba230c_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing checking and money market accounts</link:label>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket_label_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Domestic Deposit, Money Market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositMoneyMarket"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:to="lab_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_d7898194-6a9d-4ae0-b9aa-d37fedf7c727_terseLabel_en-US" xlink:label="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_label_en-US" xlink:label="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:to="lab_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalReserveBankAdvancesMember_4314073b-72aa-4bb6-b73a-29d904eba41c_terseLabel_en-US" xlink:label="lab_us-gaap_FederalReserveBankAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FRB term funding</link:label>
    <link:label id="lab_us-gaap_FederalReserveBankAdvancesMember_label_en-US" xlink:label="lab_us-gaap_FederalReserveBankAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Reserve Bank Advances [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalReserveBankAdvancesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalReserveBankAdvancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalReserveBankAdvancesMember" xlink:to="lab_us-gaap_FederalReserveBankAdvancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsCommonStock_5a940e1f-e36b-4948-8233-974faa716abf_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DividendsCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Dividends paid on common stock</link:label>
    <link:label id="lab_us-gaap_DividendsCommonStock_label_en-US" xlink:label="lab_us-gaap_DividendsCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendsCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsCommonStock" xlink:to="lab_us-gaap_DividendsCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_6e4496e8-c6c4-4647-ad93-3422f45381d8_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_BrokersAndDealersAbstract_label_en-US" xlink:label="lab_srt_BrokersAndDealersAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Broker-Dealer [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_BrokersAndDealersAbstract" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_BrokersAndDealersAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_BrokersAndDealersAbstract" xlink:to="lab_srt_BrokersAndDealersAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_IcfrAuditorAttestationFlag_89e6b4b9-f311-4872-8d20-0ac57544dd63_terseLabel_en-US" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
    <link:label id="lab_dei_IcfrAuditorAttestationFlag_label_en-US" xlink:label="lab_dei_IcfrAuditorAttestationFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ICFR Auditor Attestation Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_IcfrAuditorAttestationFlag" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_IcfrAuditorAttestationFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_IcfrAuditorAttestationFlag" xlink:to="lab_dei_IcfrAuditorAttestationFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_3960dee4-49a7-46b0-89b7-7871125de6b7_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_label_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingDesignationAxis" xlink:to="lab_us-gaap_HedgingDesignationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MortgageLoansHeldForInvestmentMember_d7da0686-fd4a-41a4-854d-2fb31083acc6_terseLabel_en-US" xlink:label="lab_fbc_MortgageLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Loans</link:label>
    <link:label id="lab_fbc_MortgageLoansHeldForInvestmentMember_b77e1559-29da-4c46-8fa8-86bf8c54a23c_verboseLabel_en-US" xlink:label="lab_fbc_MortgageLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mortgage</link:label>
    <link:label id="lab_fbc_MortgageLoansHeldForInvestmentMember_label_en-US" xlink:label="lab_fbc_MortgageLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans Held for Investment [Member]</link:label>
    <link:label id="lab_fbc_MortgageLoansHeldForInvestmentMember_documentation_en-US" xlink:label="lab_fbc_MortgageLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Loans Held for Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MortgageLoansHeldForInvestmentMember" xlink:to="lab_fbc_MortgageLoansHeldForInvestmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities_72f27c29-358a-4b56-97ae-99445368eef4_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities_label_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Securities</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" xlink:to="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_a80c948e-a92f-4e6d-a862-14022ba7cfa6_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Less: imputed interest</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, Undiscounted Excess Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanContributionsByEmployer_ff730540-498e-406d-934c-4bdfa1a508af_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employer contribution</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanContributionsByEmployer_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Contributions by Employer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:to="lab_us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoActuallyPaidCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoActuallyPaidCompAmt_label_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoActuallyPaidCompAmt" xlink:to="lab_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_29cc0e52-10d4-4737-a7e3-c5cd9e8ad988_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Expected return on plan assets</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Return (Loss) on Plan Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:to="lab_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativesFairValueLineItems_fc774706-0040-417b-ae5f-72d510b99200_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativesFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives, Fair Value [Line Items]</link:label>
    <link:label id="lab_us-gaap_DerivativesFairValueLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativesFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives, Fair Value [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativesFairValueLineItems" xlink:to="lab_us-gaap_DerivativesFairValueLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_c2aa33fe-f163-4789-805d-259d62f2005f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Components of the Provision (Benefit) for Income Taxes</link:label>
    <link:label id="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument_648ae66e-332f-4304-9123-03b076dbedc6_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FDIC Equity Appreciation Instrument</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Equity Appreciation Instrument</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Equity Appreciation Instrument</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FirstMortgageMember_6c6b16a1-be3b-412e-a15c-a3b1dfba9eb1_netLabel_en-US" xlink:label="lab_us-gaap_FirstMortgageMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Residential First Mortgage</link:label>
    <link:label id="lab_us-gaap_FirstMortgageMember_2762daad-8a57-40a7-a0bb-ea5a78f21593_terseLabel_en-US" xlink:label="lab_us-gaap_FirstMortgageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential first mortgage loans</link:label>
    <link:label id="lab_us-gaap_FirstMortgageMember_label_en-US" xlink:label="lab_us-gaap_FirstMortgageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">First Mortgage [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FirstMortgageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FirstMortgageMember" xlink:to="lab_us-gaap_FirstMortgageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PostemploymentRetirementBenefitsMember_60aceb91-e9f4-4fed-aee7-d570c70b4281_terseLabel_en-US" xlink:label="lab_us-gaap_PostemploymentRetirementBenefitsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Post-Retirement Health and Welfare Benefits</link:label>
    <link:label id="lab_us-gaap_PostemploymentRetirementBenefitsMember_label_en-US" xlink:label="lab_us-gaap_PostemploymentRetirementBenefitsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Postemployment Retirement Benefits [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PostemploymentRetirementBenefitsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PostemploymentRetirementBenefitsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PostemploymentRetirementBenefitsMember" xlink:to="lab_us-gaap_PostemploymentRetirementBenefitsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_605a3d03-cd11-4010-ab97-cb7fb5d00534_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_8fed133b-09c7-45d6-913e-1a5aa0034913_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Advance from Federal Home Loan Bank, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralizedMortgageObligationsMember_c6825783-94c3-4cbc-a77f-aa57066867de_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralizedMortgageObligationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">GSE CMOs</link:label>
    <link:label id="lab_us-gaap_CollateralizedMortgageObligationsMember_label_en-US" xlink:label="lab_us-gaap_CollateralizedMortgageObligationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateralized Mortgage Obligations [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralizedMortgageObligationsMember" xlink:to="lab_us-gaap_CollateralizedMortgageObligationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_0464e270-512b-42a9-9208-114c446b6693_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed Income Funds, Intermediate Core Plus</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Fixed Income, Intermediate Core Plus [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Fixed Income, Intermediate Core Plus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember" xlink:to="lab_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DirectFinancingLeaseInterestIncome_96a46749-f3e7-4300-b8ec-ef51d47eec70_terseLabel_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseInterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income on lease financing</link:label>
    <link:label id="lab_us-gaap_DirectFinancingLeaseInterestIncome_label_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseInterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Direct Financing Lease, Interest Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseInterestIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseInterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DirectFinancingLeaseInterestIncome" xlink:to="lab_us-gaap_DirectFinancingLeaseInterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_e7169b40-61f0-4081-bd30-8bbfcc95b861_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure_f8f13ec5-2ad2-4df5-8423-16bffba4cbb4_terseLabel_en-US" xlink:label="lab_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB and FRB stock</link:label>
    <link:label id="lab_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure_label_en-US" xlink:label="lab_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank and Federal Reserve Bank Stock, Fair Value Disclosure</link:label>
    <link:label id="lab_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure_documentation_en-US" xlink:label="lab_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank and Federal Reserve Bank Stock, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" xlink:to="lab_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses_3e5439e3-2a1e-4f77-bedd-295744c3b257_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-deductible goodwill impairment</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible Expense, Impairment Losses, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses" xlink:to="lab_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsNet_1cfd66e3-d096-48c3-9734-065d2498c5ba_totalLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsNet_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentLineItems_c8b8fdad-cad1-41b8-8ec3-c3ed000a3bd9_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Line Items]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentLineItems_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_721f0ce8-8811-44f3-b315-15e5ddbabfc4_terseLabel_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recently Adopted Accounting Standards</link:label>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesTableTextBlock_274b8d6a-e453-4991-b1a5-6309c554412b_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting Liabilities</link:label>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Liabilities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:to="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare_b411a521-0775-40aa-ba6f-c1c8c47b59d2_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock, shares average price (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare_label_en-US" xlink:label="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Acquired, Average Cost Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:to="lab_us-gaap_TreasuryStockAcquiredAverageCostPerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits_b47a1a67-31db-4381-adcc-dc6dfc59853d_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation and related benefit obligations</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" xlink:to="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InternalCreditAssessmentAxis_5abe48bb-15b7-4eb3-be56-9875b6f11780_terseLabel_en-US" xlink:label="lab_us-gaap_InternalCreditAssessmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internal Credit Assessment [Axis]</link:label>
    <link:label id="lab_us-gaap_InternalCreditAssessmentAxis_label_en-US" xlink:label="lab_us-gaap_InternalCreditAssessmentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internal Credit Assessment [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis" xlink:to="lab_us-gaap_InternalCreditAssessmentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_d95da0e3-3fa5-462d-9482-4bce0c235f18_terseLabel_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_label_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:to="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetNotionalAmount_861d3087-cfaa-4723-9fd8-a7b716eb5ad8_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Notional amount</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetNotionalAmount_7bcd7faf-a54d-408d-8cf9-9e5856e23125_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notional Amount</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetNotionalAmount_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Notional Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotionalAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetNotionalAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetNotionalAmount" xlink:to="lab_us-gaap_DerivativeAssetNotionalAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_4df78d4a-697f-4284-b876-7bc079cf064e_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Amortization</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Accumulated Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_930b0c9c-47cd-43bf-b8d2-a935a64069c1_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_aaa5b8e8-7acc-4b66-8532-542c0ed67b5d_terseLabel_en-US" xlink:label="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">GSE debentures</link:label>
    <link:label id="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US Government-sponsored Enterprises Debt Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:to="lab_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SaleOfStockPricePerShare_d3a78fa6-a754-43b8-807f-b8c3fa8a9b41_terseLabel_en-US" xlink:label="lab_us-gaap_SaleOfStockPricePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale of stock price, (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_SaleOfStockPricePerShare_label_en-US" xlink:label="lab_us-gaap_SaleOfStockPricePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale of Stock, Price Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockPricePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockPricePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SaleOfStockPricePerShare" xlink:to="lab_us-gaap_SaleOfStockPricePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method</link:label>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_label_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:to="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityLargeCapCoreMember_40a42507-9171-4f8e-b9b5-20abfc097a3a_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityLargeCapCoreMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Large-cap core</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityLargeCapCoreMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityLargeCapCoreMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Large Cap Core [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityLargeCapCoreMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityLargeCapCoreMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Large Cap Core</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityLargeCapCoreMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityLargeCapCoreMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanEquityLargeCapCoreMember" xlink:to="lab_fbc_DefinedBenefitPlanEquityLargeCapCoreMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationConsiderationTransferred1_d45050c3-0eb2-4e35-b432-fd832c04bd49_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchase Price consideration</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationConsiderationTransferred1_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Consideration Transferred</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:to="lab_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_IncreaseInDebtSecuritiesTrading_9b7f00aa-b8d9-4646-a8ae-acd6da59f3c0_negatedTerseLabel_en-US" xlink:label="lab_fbc_IncreaseInDebtSecuritiesTrading" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchases of securities held for trading</link:label>
    <link:label id="lab_fbc_IncreaseInDebtSecuritiesTrading_label_en-US" xlink:label="lab_fbc_IncreaseInDebtSecuritiesTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase in Debt Securities, Trading</link:label>
    <link:label id="lab_fbc_IncreaseInDebtSecuritiesTrading_documentation_en-US" xlink:label="lab_fbc_IncreaseInDebtSecuritiesTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Increase in Debt Securities, Trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_IncreaseInDebtSecuritiesTrading" xlink:href="fbc-20231231.xsd#fbc_IncreaseInDebtSecuritiesTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_IncreaseInDebtSecuritiesTrading" xlink:to="lab_fbc_IncreaseInDebtSecuritiesTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_3612fa76-6309-4599-ac68-c767bbf088fa_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingAbstract_f7cd139e-3e91-416b-9d8e-39b30f2f71f8_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers and Servicing [Abstract]</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingAbstract_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers and Servicing [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingAbstract" xlink:to="lab_us-gaap_TransfersAndServicingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_70fac2d3-fe8d-4819-ac9b-bcd87506f439_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock-based Compensation</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:to="lab_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_29f4d92a-b794-435e-881b-c2102d435052_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of securities continuous unrealized loss position more than twelve months</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalFundsSold_649e1f94-eeed-469b-b55c-ef73d294e663_terseLabel_en-US" xlink:label="lab_us-gaap_FederalFundsSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal funds sold</link:label>
    <link:label id="lab_us-gaap_FederalFundsSold_label_en-US" xlink:label="lab_us-gaap_FederalFundsSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Funds Sold</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsSold" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalFundsSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalFundsSold" xlink:to="lab_us-gaap_FederalFundsSold" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_745bceb4-a9c7-4e0a-8712-0e331b0c61b6_totalLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total accumulated other comprehensive loss, net of tax</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeStockOptionMember_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee Stock Option</link:label>
    <link:label id="lab_us-gaap_EmployeeStockOptionMember_label_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Employee Stock Option [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeStockOptionMember" xlink:to="lab_us-gaap_EmployeeStockOptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_d904b9e9-8ed9-4500-9c88-155c1a86ec7f_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Derivative and Hedging Activities</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:to="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentPolicyTextBlock_0dddd01b-5559-46a8-ab05-6d83ffe09725_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities and Equity Investments with Readily Determinable Fair Values</link:label>
    <link:label id="lab_us-gaap_InvestmentPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_InvestmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentPolicyTextBlock" xlink:to="lab_us-gaap_InvestmentPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_1bc37405-b788-4c81-8c45-da9dfcc68a46_terseLabel_en-US" xlink:label="lab_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock</link:label>
    <link:label id="lab_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_label_en-US" xlink:label="lab_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depositary Shares each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]</link:label>
    <link:label id="lab_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_documentation_en-US" xlink:label="lab_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fixed to floating rate series A noncumulative perpetual preferred stock.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:href="fbc-20231231.xsd#fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:to="lab_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MaximumMember_dc781f52-b93a-4dca-ba21-f8c245c27824_terseLabel_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum</link:label>
    <link:label id="lab_srt_MaximumMember_label_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MaximumMember" xlink:to="lab_srt_MaximumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentType_a16694bc-00e7-404f-97a8-63bc2de1c20d_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation_fe02008a-ad85-47c3-a07d-b32e94904c1f_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Settlements</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Benefit Obligation, (Increase) Decrease for Settlement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanSettlementsBenefitObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation" xlink:to="lab_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TabularListTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tabular List, Table</link:label>
    <link:label id="lab_ecd_TabularListTableTextBlock_label_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tabular List [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TabularListTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TabularListTableTextBlock" xlink:to="lab_ecd_TabularListTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember_b964d466-43db-4158-b5f0-9bc60157bc09_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial losses</link:label>
    <link:label id="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Defined Benefit Plans Adjustment, Net Gain (Loss) Attributable to Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember" xlink:to="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransferToOtherRealEstate_f6a875b2-4daf-41ec-8255-2e72614dd5b1_terseLabel_en-US" xlink:label="lab_us-gaap_TransferToOtherRealEstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers to repossessed assets from loans</link:label>
    <link:label id="lab_us-gaap_TransferToOtherRealEstate_label_en-US" xlink:label="lab_us-gaap_TransferToOtherRealEstate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Transfer to Real Estate Owned</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferToOtherRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferToOtherRealEstate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransferToOtherRealEstate" xlink:to="lab_us-gaap_TransferToOtherRealEstate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredCostMethod_1d85b338-aa52-4a06-a649-afa198bb3397_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock, acquired, cost</link:label>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredCostMethod_label_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Value, Acquired, Cost Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:to="lab_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_ce92b567-d409-4c7c-8521-430648cbce43_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value adjustments:</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustments [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract" xlink:to="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_PennFedCapitalTrustIIIMember_0d43ac28-3b18-4a46-b40a-f3c954ae0f12_terseLabel_en-US" xlink:label="lab_fbc_PennFedCapitalTrustIIIMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PennFed Capital Trust III</link:label>
    <link:label id="lab_fbc_PennFedCapitalTrustIIIMember_label_en-US" xlink:label="lab_fbc_PennFedCapitalTrustIIIMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PennFed Capital Trust III [Member]</link:label>
    <link:label id="lab_fbc_PennFedCapitalTrustIIIMember_documentation_en-US" xlink:label="lab_fbc_PennFedCapitalTrustIIIMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">PennFed Capital Trust III</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PennFedCapitalTrustIIIMember" xlink:href="fbc-20231231.xsd#fbc_PennFedCapitalTrustIIIMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_PennFedCapitalTrustIIIMember" xlink:to="lab_fbc_PennFedCapitalTrustIIIMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtAndEquitySecuritiesGainLoss_d17f3eb9-3df3-4736-a8a4-41d097b9c285_terseLabel_en-US" xlink:label="lab_us-gaap_DebtAndEquitySecuritiesGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net loss on securities</link:label>
    <link:label id="lab_us-gaap_DebtAndEquitySecuritiesGainLoss_label_en-US" xlink:label="lab_us-gaap_DebtAndEquitySecuritiesGainLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt and Equity Securities, Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesGainLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtAndEquitySecuritiesGainLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtAndEquitySecuritiesGainLoss" xlink:to="lab_us-gaap_DebtAndEquitySecuritiesGainLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember_b3eaddf7-8f2b-4b18-880a-aa5a5ee1e893_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. Large-Cap</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity Securities, US, Large Cap [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember" xlink:to="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_58e55dd1-1b78-403f-89a6-4331969429d4_terseLabel_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock-Related Benefits Plans</link:label>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_label_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CurrentFederalTaxExpenseBenefit_82df6e34-302e-4631-9f02-ef353f0c02f7_terseLabel_en-US" xlink:label="lab_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal &#8211; current</link:label>
    <link:label id="lab_us-gaap_CurrentFederalTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Federal Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:to="lab_us-gaap_CurrentFederalTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_be996d0b-c16c-4213-be92-96c6bdcf4164_terseLabel_en-US" xlink:label="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital Securities Amount Outstanding</link:label>
    <link:label id="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_label_en-US" xlink:label="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments Subject to Mandatory Redemption, Settlement Terms, Share Value, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount" xlink:to="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_0464a6c6-30e6-48d2-816d-4d51246d9c78_terseLabel_en-US" xlink:label="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis of Presentation</link:label>
    <link:label id="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basis of Accounting, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:to="lab_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MultiFamilyAndCommercialRealEstateMember_8e08d174-03d7-4218-b455-c9690f310d71_terseLabel_en-US" xlink:label="lab_fbc_MultiFamilyAndCommercialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Multi-family and commercial real estate</link:label>
    <link:label id="lab_fbc_MultiFamilyAndCommercialRealEstateMember_label_en-US" xlink:label="lab_fbc_MultiFamilyAndCommercialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Multi-Family And Commercial Real Estate [Member]</link:label>
    <link:label id="lab_fbc_MultiFamilyAndCommercialRealEstateMember_documentation_en-US" xlink:label="lab_fbc_MultiFamilyAndCommercialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Multi-Family And Commercial Real Estate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyAndCommercialRealEstateMember" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyAndCommercialRealEstateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MultiFamilyAndCommercialRealEstateMember" xlink:to="lab_fbc_MultiFamilyAndCommercialRealEstateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_d8ef7ec7-355f-460a-ace4-52b37dee965d_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchase of securities available for sale</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:to="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_08a5ee31-1440-4cfb-87d6-05fee43b3be7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Cash dividends paid on preferred stock</link:label>
    <link:label id="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of Ordinary Dividends, Preferred Stock and Preference Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:to="lab_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionAxis_82ebbdab-18db-475b-9db3-05f601d2e7ce_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Acquisition [Axis]</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionAxis_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionAxis" xlink:to="lab_us-gaap_BusinessAcquisitionAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiUnrealizedLoss_e2907ed8-54a8-459b-bf55-7113fcf588c8_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross unrealized loss</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiUnrealizedLoss_label_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities, FV-NI, Unrealized Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesFvNiUnrealizedLoss" xlink:to="lab_us-gaap_EquitySecuritiesFvNiUnrealizedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NumberOfBranches_74d9f9d4-5027-46ce-92d2-7646609f3935_terseLabel_en-US" xlink:label="lab_fbc_NumberOfBranches" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of traditional branches</link:label>
    <link:label id="lab_fbc_NumberOfBranches_31d6af36-84fc-4c94-8b48-3dd8906da0e0_verboseLabel_en-US" xlink:label="lab_fbc_NumberOfBranches" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Number of branches</link:label>
    <link:label id="lab_fbc_NumberOfBranches_label_en-US" xlink:label="lab_fbc_NumberOfBranches" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Branches</link:label>
    <link:label id="lab_fbc_NumberOfBranches_documentation_en-US" xlink:label="lab_fbc_NumberOfBranches" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Branches</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfBranches" xlink:href="fbc-20231231.xsd#fbc_NumberOfBranches"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NumberOfBranches" xlink:to="lab_fbc_NumberOfBranches" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_ce815dfe-9440-418a-9187-ff09d04d1d44_terseLabel_en-US" xlink:label="lab_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Modifications to Borrowers Experiencing Financial Difficulty and Performance of Loans Modified in Last 12 Months, and TDRs</link:label>
    <link:label id="lab_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:to="lab_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_IntangibleAssetsAcquiredThroughForeclosure_df555858-7db5-443b-a0de-5cd3559c676a_terseLabel_en-US" xlink:label="lab_fbc_IntangibleAssetsAcquiredThroughForeclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Taxi medallions</link:label>
    <link:label id="lab_fbc_IntangibleAssetsAcquiredThroughForeclosure_label_en-US" xlink:label="lab_fbc_IntangibleAssetsAcquiredThroughForeclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets Acquired Through Foreclosure</link:label>
    <link:label id="lab_fbc_IntangibleAssetsAcquiredThroughForeclosure_documentation_en-US" xlink:label="lab_fbc_IntangibleAssetsAcquiredThroughForeclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Intangible Assets Acquired Through Foreclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_IntangibleAssetsAcquiredThroughForeclosure" xlink:href="fbc-20231231.xsd#fbc_IntangibleAssetsAcquiredThroughForeclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_IntangibleAssetsAcquiredThroughForeclosure" xlink:to="lab_fbc_IntangibleAssetsAcquiredThroughForeclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance_d3c23401-d47a-43c3-802e-af5842296008_terseLabel_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-taxable income and expense of BOLI</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance_label_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Non-Taxable Income And Expense Of Bank Owned Life Insurance</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance_documentation_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Non-Taxable Income And Expense Of Bank Owned Life Insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" xlink:to="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_a85ba77b-a5c2-493a-98af-f9c3543edcf4_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State and local &#8211; deferred</link:label>
    <link:label id="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred State and Local Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_LeaseFinancingLoansMember_14db6df9-7dc2-46fd-bc76-94d22af8fd70_terseLabel_en-US" xlink:label="lab_fbc_LeaseFinancingLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease financing</link:label>
    <link:label id="lab_fbc_LeaseFinancingLoansMember_label_en-US" xlink:label="lab_fbc_LeaseFinancingLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lease Financing Loans [Member]</link:label>
    <link:label id="lab_fbc_LeaseFinancingLoansMember_documentation_en-US" xlink:label="lab_fbc_LeaseFinancingLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Lease Financing Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LeaseFinancingLoansMember" xlink:href="fbc-20231231.xsd#fbc_LeaseFinancingLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_LeaseFinancingLoansMember" xlink:to="lab_fbc_LeaseFinancingLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableRateAxis_cc4d728b-dda3-4635-9980-3cbaa2b96741_terseLabel_en-US" xlink:label="lab_us-gaap_VariableRateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Rate [Axis]</link:label>
    <link:label id="lab_us-gaap_VariableRateAxis_label_en-US" xlink:label="lab_us-gaap_VariableRateAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Rate [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableRateAxis" xlink:to="lab_us-gaap_VariableRateAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_fb54cb32-28f7-43c2-bbd4-1717c2d29bec_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_0573f624-7980-4d34-b669-a09a8cf8104b_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Excluding Accrued Interest, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired_8c408063-44de-4e9d-9fb8-853bdd6dbf49_terseLabel_en-US" xlink:label="lab_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage servicing rights</link:label>
    <link:label id="lab_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired_label_en-US" xlink:label="lab_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncash Or Part Noncash Acquisition, Mortgage Servicing Rights Acquired</link:label>
    <link:label id="lab_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired_documentation_en-US" xlink:label="lab_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Noncash Or Part Noncash Acquisition, Mortgage Servicing Rights Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" xlink:href="fbc-20231231.xsd#fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" xlink:to="lab_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearTwo_5421dc1c-46b8-4f48-9439-5c9249748db6_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 1 year through 2 years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearTwo_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearTwo" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy_3ba2e606-f19e-4e3b-994e-558946af3101_terseLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repossessed Assets</link:label>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy_label_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Real Estate Acquired Through Foreclosure [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy" xlink:to="lab_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanActuarialGainLoss_3d89243b-6caa-426a-9aef-9c4f6fac5317_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actuarial gain</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanActuarialGainLoss_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Benefit Obligation, Actuarial Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:to="lab_us-gaap_DefinedBenefitPlanActuarialGainLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyDomain_6c4ed60a-751c-443b-984a-bdb202b235c6_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party [Domain]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyDomain_label_en-US" xlink:label="lab_us-gaap_RelatedPartyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyDomain" xlink:to="lab_us-gaap_RelatedPartyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationDisclosureTextBlock_d3a1206e-037f-41f9-9fc6-e0ab21c5c633_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combinations</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:to="lab_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_4710bf9e-c0f5-4287-8fa0-a36f135081c6_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of securities called by each warrant (in shares)</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right, Number of Securities Called by Each Warrant or Right</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:to="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MortgageServicingRightsMember_bdbd50f3-2ba6-4ff0-bebe-8fe385830319_verboseLabel_en-US" xlink:label="lab_fbc_MortgageServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mortgage servicing rights</link:label>
    <link:label id="lab_fbc_MortgageServicingRightsMember_c674a971-e866-457f-9120-7a3ec9fda79b_terseLabel_en-US" xlink:label="lab_fbc_MortgageServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential Mortgage Servicing Rights</link:label>
    <link:label id="lab_fbc_MortgageServicingRightsMember_label_en-US" xlink:label="lab_fbc_MortgageServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Servicing Rights [Member]</link:label>
    <link:label id="lab_fbc_MortgageServicingRightsMember_documentation_en-US" xlink:label="lab_fbc_MortgageServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Derivative assets or liabilities which hedge the risk of overall changes in fair value of MSRs through the use of various derivatives including purchases of forward contracts on securities of Fannie Mae and Freddie Mac, the purchase/sale of U.S. Treasury futures contracts and the purchase/sale of euro dollar future contracts. These are accounted for as non-designated hedges.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMember" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MortgageServicingRightsMember" xlink:to="lab_fbc_MortgageServicingRightsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtErrCompNotYetDeterminedTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined</link:label>
    <link:label id="lab_ecd_AggtErrCompNotYetDeterminedTextBlock_label_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:to="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_0d14373c-9995-4d16-abf7-aef73575ebb3_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Non-vested balance at beginning of period (in usd per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_b91be457-faa7-4209-ad5e-19ea6ac447b2_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Non-vested balance at end of period (in usd per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureAbstract_ee3adadc-a519-4b58-a7f3-f9d4c07a4d3d_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Tax Contingency [Line Items]</link:label>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract" xlink:to="lab_us-gaap_IncomeTaxDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_23ddface-1f4f-491b-b85e-3b7cbc240d15_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_MortgageServicingRightsMSRImpairmentRecovery" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net return on mortgage servicing rights</link:label>
    <link:label id="lab_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_label_en-US" xlink:label="lab_us-gaap_MortgageServicingRightsMSRImpairmentRecovery" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Servicing Rights (MSR) Impairment (Recovery)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery" xlink:to="lab_us-gaap_MortgageServicingRightsMSRImpairmentRecovery" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax_0be5af7d-2618-4fac-bdc5-800ee0f47c51_terseLabel_en-US" xlink:label="lab_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized loss on securities available for sale, tax</link:label>
    <link:label id="lab_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax_label_en-US" xlink:label="lab_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI, Debt Securities, Available-for-Sale, Adjustment, Tax</link:label>
    <link:label id="lab_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax_documentation_en-US" xlink:label="lab_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">AOCI, Debt Securities, Available-for-Sale, Adjustment, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" xlink:href="fbc-20231231.xsd#fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" xlink:to="lab_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Expense of Enforcement, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Expense of Enforcement, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_562f906d-08e3-4049-a38e-cee4d3b659ae_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redemption of Federal Home Loan Bank stock</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Federal Home Loan Bank Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock" xlink:to="lab_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_d1ca9dcc-23e4-4a7d-9ad5-aa927012d7f2_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Components</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:to="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_5bdb7d88-e525-40ff-bb29-dc0d8d828d88_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_772228b0-e485-4bde-a21c-23842044587b_terseLabel_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Payment Arrangement [Abstract]</link:label>
    <link:label id="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_label_en-US" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_c0c6ece2-3580-4c77-b72f-f9d00109f08f_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsPreferredStock_fa622210-816b-4e5a-802a-42ceb9042ef0_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DividendsPreferredStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Dividends paid on preferred stock</link:label>
    <link:label id="lab_us-gaap_DividendsPreferredStock_label_en-US" xlink:label="lab_us-gaap_DividendsPreferredStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Preferred Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendsPreferredStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsPreferredStock" xlink:to="lab_us-gaap_DividendsPreferredStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LeaseCost_2b9ee913-48b7-4970-921d-d7f94597c5aa_totalLabel_en-US" xlink:label="lab_us-gaap_LeaseCost" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total lease cost</link:label>
    <link:label id="lab_us-gaap_LeaseCost_label_en-US" xlink:label="lab_us-gaap_LeaseCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lease, Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LeaseCost" xlink:to="lab_us-gaap_LeaseCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference_c31779c0-1ed6-44ef-baf4-fccd67345f15_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held as Assets, Aggregate Amount in Nonaccrual Status, Aggregated Difference</link:label>
    <link:label id="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference_label_en-US" xlink:label="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held as Assets, Aggregate Amount in Nonaccrual Status, Aggregated Difference</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference" xlink:to="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RangeAxis_b9240f8f-d247-47f1-97e5-0a9313fb5430_terseLabel_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:label id="lab_srt_RangeAxis_label_en-US" xlink:label="lab_srt_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeAxis" xlink:to="lab_srt_RangeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SpecialtyFinanceLoansAndLeasesMember_454ffbe4-18bd-404d-b4ac-bf53887ef808_terseLabel_en-US" xlink:label="lab_fbc_SpecialtyFinanceLoansAndLeasesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Specialty finance loans and leases</link:label>
    <link:label id="lab_fbc_SpecialtyFinanceLoansAndLeasesMember_label_en-US" xlink:label="lab_fbc_SpecialtyFinanceLoansAndLeasesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Specialty Finance Loans and Leases [Member]</link:label>
    <link:label id="lab_fbc_SpecialtyFinanceLoansAndLeasesMember_documentation_en-US" xlink:label="lab_fbc_SpecialtyFinanceLoansAndLeasesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Specialty Finance Loans and Leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SpecialtyFinanceLoansAndLeasesMember" xlink:href="fbc-20231231.xsd#fbc_SpecialtyFinanceLoansAndLeasesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SpecialtyFinanceLoansAndLeasesMember" xlink:to="lab_fbc_SpecialtyFinanceLoansAndLeasesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BalanceSheetLocationDomain_dbc1198e-73df-43a9-85ed-bd0138a72060_terseLabel_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balance Sheet Location [Domain]</link:label>
    <link:label id="lab_us-gaap_BalanceSheetLocationDomain_label_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Balance Sheet Location [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BalanceSheetLocationDomain" xlink:to="lab_us-gaap_BalanceSheetLocationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock_29bbd133-11ff-4e27-b3e8-5b4f7ea79983_terseLabel_en-US" xlink:label="lab_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in Fair Value Included in Earnings - Fair Value Option</link:label>
    <link:label id="lab_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock_label_en-US" xlink:label="lab_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Changes in Fair Value Included in Earnings [Table Text Block]</link:label>
    <link:label id="lab_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock_documentation_en-US" xlink:label="lab_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">For each line item in the statement of financial position, the amounts of gains and losses from fair value changes included in earnings.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock" xlink:href="fbc-20231231.xsd#fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock" xlink:to="lab_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_880aef95-27db-41df-a334-3587680fde06_terseLabel_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_label_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInteractiveDataCurrent" xlink:to="lab_dei_EntityInteractiveDataCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_f1d73717-50c1-404b-b9ec-3c020ab44d39_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRealizedGainLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Realized Gain (Loss)</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRealizedGainLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Realized Gain (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfRealizedGainLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfRealizedGainLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleTable_8dddd452-d451-47fd-add1-5ca34ce1a6e9_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Available-for-sale Securities [Table]</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleTable_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths_351769e5-368f-4913-aa87-8eaf219526a3_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Next 12 Rolling Months</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_ee2deba6-0ab7-45d0-ad5d-1e71ac4ed0b4_terseLabel_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
    <link:label id="lab_dei_EntityWellKnownSeasonedIssuer_label_en-US" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityWellKnownSeasonedIssuer"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityWellKnownSeasonedIssuer" xlink:to="lab_dei_EntityWellKnownSeasonedIssuer" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssetsMember_8077b93c-dc63-4e15-9d10-eb78cfa66d34_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Assets</link:label>
    <link:label id="lab_us-gaap_OtherAssetsMember_label_en-US" xlink:label="lab_us-gaap_OtherAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssetsMember" xlink:to="lab_us-gaap_OtherAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_8c99c72a-b0a5-4eaa-9b88-9b7894b84743_terseLabel_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying value of net investment in leases</link:label>
    <link:label id="lab_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_b0f4997d-a166-4c9c-9ba9-fecc5c219d4b_totalLabel_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total lease payments</link:label>
    <link:label id="lab_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Direct Financing Lease, Net Investment in Lease, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" xlink:to="lab_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_725aedfd-9994-4a45-81b1-74e41300bce1_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_1d02c467-4faa-4588-8341-447085ecafb2_totalLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities assumed</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Liabilities</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureAxis_terseLabel_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measure:</link:label>
    <link:label id="lab_ecd_MeasureAxis_label_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MeasureAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MeasureAxis" xlink:to="lab_ecd_MeasureAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_7f424c6f-00bc-469c-b10b-3924cc1242b3_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingRecoveryIndName_terseLabel_en-US" xlink:label="lab_ecd_OutstandingRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_OutstandingRecoveryIndName_label_en-US" xlink:label="lab_ecd_OutstandingRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Recovery, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingRecoveryIndName" xlink:to="lab_ecd_OutstandingRecoveryIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIIMember_9893d8e5-9f2d-4bfd-9fee-dd5f5602e356_terseLabel_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIIMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust II</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIIMember_label_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIIMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust II [Member]</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIIMember_documentation_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIIMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust II</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIIMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIIMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarStatutoryTrustIIMember" xlink:to="lab_fbc_FlagstarStatutoryTrustIIMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherDebtSecuritiesMember_1328aa1a-9450-4d56-ae52-fda74c10dede_terseLabel_en-US" xlink:label="lab_us-gaap_OtherDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Debt Obligations</link:label>
    <link:label id="lab_us-gaap_OtherDebtSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_OtherDebtSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Debt Obligations [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherDebtSecuritiesMember" xlink:to="lab_us-gaap_OtherDebtSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_64b4b3fd-2d75-4ec0-b0dc-7d243e7e2455_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">2021</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_1474ad4b-72ed-4720-9c13-ef0541e24fcc_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_fc364a34-1fb3-42c3-a83e-b3d023d8dc6f_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Asset, Fair Value, Change in Fair Value, Other, Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset, Fair Value, Change in Fair Value, Other, Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:to="lab_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_d760ff9e-eef6-4fd5-9284-cea998846cb7_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncome_cd2d360f-f71f-4a40-8871-5def68fcd5d4_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total non-interest income</link:label>
    <link:label id="lab_us-gaap_NoninterestIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncome" xlink:to="lab_us-gaap_NoninterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_40d05293-ade3-44dd-bc1b-c631557cd0a1_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity securities:</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_label_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities, FV-NI</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent" xlink:to="lab_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_194ec4a4-e731-4644-89bc-100ac0271010_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Deferred Tax Assets and Liabilities</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Deferred Tax Assets and Liabilities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CounterpartyNameAxis_4c54fca0-22d9-46a2-bb80-feedeac6b7b0_terseLabel_en-US" xlink:label="lab_srt_CounterpartyNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparty Name [Axis]</link:label>
    <link:label id="lab_srt_CounterpartyNameAxis_label_en-US" xlink:label="lab_srt_CounterpartyNameAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CounterpartyNameAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CounterpartyNameAxis" xlink:to="lab_srt_CounterpartyNameAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_WarrantOrRightCouponRate_535cb871-b9c5-4b4a-b815-088873bc1c7b_terseLabel_en-US" xlink:label="lab_fbc_WarrantOrRightCouponRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warrant Or Right, Coupon Rate</link:label>
    <link:label id="lab_fbc_WarrantOrRightCouponRate_label_en-US" xlink:label="lab_fbc_WarrantOrRightCouponRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warrant Or Right, Coupon Rate</link:label>
    <link:label id="lab_fbc_WarrantOrRightCouponRate_documentation_en-US" xlink:label="lab_fbc_WarrantOrRightCouponRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Warrant Or Right, Coupon Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WarrantOrRightCouponRate" xlink:href="fbc-20231231.xsd#fbc_WarrantOrRightCouponRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_WarrantOrRightCouponRate" xlink:to="lab_fbc_WarrantOrRightCouponRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativesPolicyTextBlock_9a694b33-9445-4d07-877b-4f554258a944_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities</link:label>
    <link:label id="lab_us-gaap_DerivativesPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_DerivativesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativesPolicyTextBlock" xlink:to="lab_us-gaap_DerivativesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanSettlementsPlanAssets_1316f4ac-e52c-4023-bc45-3c5b9166cde5_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanSettlementsPlanAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Settlements</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanSettlementsPlanAssets_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanSettlementsPlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Payment for Settlement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanSettlementsPlanAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanSettlementsPlanAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanSettlementsPlanAssets" xlink:to="lab_us-gaap_DefinedBenefitPlanSettlementsPlanAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_ed071cb0-6cdf-470a-bc4c-4e54745926d6_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeasePayments_96a120a8-0cca-4f87-ac6b-78af91a88326_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeasePayments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating cash flows from operating leases</link:label>
    <link:label id="lab_us-gaap_OperatingLeasePayments_label_en-US" xlink:label="lab_us-gaap_OperatingLeasePayments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Payments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeasePayments" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeasePayments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeasePayments" xlink:to="lab_us-gaap_OperatingLeasePayments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InternalCreditAssessmentDomain_f9542a48-e62e-4faa-b8e7-072750563e81_terseLabel_en-US" xlink:label="lab_us-gaap_InternalCreditAssessmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internal Credit Assessment [Domain]</link:label>
    <link:label id="lab_us-gaap_InternalCreditAssessmentDomain_label_en-US" xlink:label="lab_us-gaap_InternalCreditAssessmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internal Credit Assessment [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain" xlink:to="lab_us-gaap_InternalCreditAssessmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_de4a7b3a-3d67-4b7d-ab40-46101ea5258f_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Common stock, shares outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesOutstanding" xlink:to="lab_us-gaap_CommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember_d5c25663-1d5d-4ec8-a316-114bba1ee9a5_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. Mid-Cap</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity Securities, US, Mid Cap [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember" xlink:to="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanInterestCost_6b532455-eebb-4ddd-a126-b8c488e6ac10_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanInterestCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest cost</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanInterestCost_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanInterestCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Interest Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanInterestCost" xlink:to="lab_us-gaap_DefinedBenefitPlanInterestCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesAfterYearFive_a030fa82-870e-413c-bf14-4b0f5c6ab882_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Over 5 years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesAfterYearFive_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities, after Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:to="lab_us-gaap_TimeDepositMaturitiesAfterYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_ba516b06-7150-4090-8116-6e1cbb04b559_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private-label Securitizations [Table]</link:label>
    <link:label id="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_label_en-US" xlink:label="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Securitization or Asset-Backed Financing Arrangements, Financial Asset for which Transfer is Accounted as Sale [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable" xlink:to="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset_18b217d2-0597-444e-8bae-2e8f8c71c71b_terseLabel_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residual value of leased asset</link:label>
    <link:label id="lab_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset_label_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Direct Financing Lease, Residual Value of Leased Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset" xlink:to="lab_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVIIMember_c9f7ab84-a2b7-4c01-8834-e09f248a1505_terseLabel_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVIIMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust VII</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVIIMember_label_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVIIMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust VII [Member]</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVIIMember_documentation_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVIIMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust VII</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVIIMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVIIMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarStatutoryTrustVIIMember" xlink:to="lab_fbc_FlagstarStatutoryTrustVIIMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoMember_terseLabel_en-US" xlink:label="lab_ecd_PeoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO</link:label>
    <link:label id="lab_ecd_PeoMember_label_en-US" xlink:label="lab_ecd_PeoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoMember" xlink:to="lab_ecd_PeoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorLocation_569ed542-efdf-4d50-8962-e8dc2d2a6b3c_terseLabel_en-US" xlink:label="lab_dei_AuditorLocation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor Location</link:label>
    <link:label id="lab_dei_AuditorLocation_label_en-US" xlink:label="lab_dei_AuditorLocation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Location</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLocation" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AuditorLocation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorLocation" xlink:to="lab_dei_AuditorLocation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanDisclosureLineItems_85a1d36f-ec69-4261-9772-72cd08aab956_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan Disclosure [Line Items]</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanDisclosureLineItems_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:to="lab_us-gaap_DefinedBenefitPlanDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NewYorkCommunityCapitalTrustXIMember_674c6164-4a5e-4496-883b-0d9c31c5b181_terseLabel_en-US" xlink:label="lab_fbc_NewYorkCommunityCapitalTrustXIMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New York Community Capital Trust XI</link:label>
    <link:label id="lab_fbc_NewYorkCommunityCapitalTrustXIMember_label_en-US" xlink:label="lab_fbc_NewYorkCommunityCapitalTrustXIMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New York Community Capital Trust XI [Member]</link:label>
    <link:label id="lab_fbc_NewYorkCommunityCapitalTrustXIMember_documentation_en-US" xlink:label="lab_fbc_NewYorkCommunityCapitalTrustXIMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">New York Community Capital Trust XI</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustXIMember" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustXIMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NewYorkCommunityCapitalTrustXIMember" xlink:to="lab_fbc_NewYorkCommunityCapitalTrustXIMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_68be6828-b423-4727-8ee1-e9e4f33f835c_terseLabel_en-US" xlink:label="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee Benefits</link:label>
    <link:label id="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retirement Benefits [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:to="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_bb98752d-9938-419c-bf3b-69ec5369d31a_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in Plan Assets:</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:to="lab_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths_cdf307d6-e286-49cb-b5c1-ea0aecc43d85_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Call Date, in Next Rolling 12 Months</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockDividendsPerShareCashPaid_3d575663-9f9c-49f7-8c82-0259c67c9e2d_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsPerShareCashPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends paid on preferred stock (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendsPerShareCashPaid_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsPerShareCashPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Dividends, Per Share, Cash Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsPerShareCashPaid" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockDividendsPerShareCashPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockDividendsPerShareCashPaid" xlink:to="lab_us-gaap_PreferredStockDividendsPerShareCashPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_9b67e4e1-ca75-499d-829e-75e02bc4bd17_verboseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Money market</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_6498eaf1-9d28-453f-8b28-919000487c96_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash equivalents</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Cash and Cash Equivalents [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember" xlink:to="lab_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharesOutstanding_6c55f4a9-aa61-4290-8786-6e2312367b0b_periodStartLabel_en-US" xlink:label="lab_us-gaap_SharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_SharesOutstanding_a7ae1cb9-cf37-4ae4-a2f0-4e6d2dbaa4dd_periodEndLabel_en-US" xlink:label="lab_us-gaap_SharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_SharesOutstanding_label_en-US" xlink:label="lab_us-gaap_SharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares, Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharesOutstanding" xlink:to="lab_us-gaap_SharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_874ac6b9-76ae-4bbc-8ce7-2af8c3a481a0_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State and local income taxes, net of federal income tax effect</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:to="lab_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_a28f8e8f-afb9-4dc6-9116-4880b5cadf7e_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Common stock, par value (in usd per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_label_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember_11b84cde-9771-4259-950b-655ff0903712_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Large cap value</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Collective Trust Equity Securities, Large Cap Value [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Collective Trust Equity Securities, Large Cap Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember" xlink:to="lab_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsidiarySaleOfStockAxis_de21e419-ecef-4176-a93f-3226e4b62429_terseLabel_en-US" xlink:label="lab_us-gaap_SubsidiarySaleOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale of Stock [Axis]</link:label>
    <link:label id="lab_us-gaap_SubsidiarySaleOfStockAxis_label_en-US" xlink:label="lab_us-gaap_SubsidiarySaleOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale of Stock [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis" xlink:to="lab_us-gaap_SubsidiarySaleOfStockAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt_4417799f-6730-4a1d-80b1-e0afbb63c507_negatedTerseLabel_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Acquisition accounting and fair value adjustments on debt</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt_label_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Debt</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt_documentation_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" xlink:to="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans_1a981811-2a51-4f95-b29b-7405e1102443_terseLabel_en-US" xlink:label="lab_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MSRs resulting from sale or securitization of loans</link:label>
    <link:label id="lab_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans_label_en-US" xlink:label="lab_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Servicing Rights Resulting From Sale or Securitization of Loans</link:label>
    <link:label id="lab_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans_documentation_en-US" xlink:label="lab_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Servicing Rights Resulting From Sale or Securitization of Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" xlink:to="lab_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_2bd24cd9-a5b9-48bd-991f-6e721d9ee534_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by (used in) investing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNi_16e6b1c2-930e-445e-ad43-1e706278aaf2_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNi" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity investments with readily determinable fair values, at fair value</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNi_149aa8a4-2715-4975-8893-8ca8fa9bf427_verboseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNi" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNi_label_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNi" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities, FV-NI, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesFvNi" xlink:to="lab_us-gaap_EquitySecuritiesFvNi" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_1c7e4a4f-3645-4d46-90a8-f793d8003260_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of reclassified from AOCL to interest expense</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestRateSwapMember_84905338-8800-4883-93b1-2ab3d37d7a82_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swaps</link:label>
    <link:label id="lab_us-gaap_InterestRateSwapMember_label_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Swap [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateSwapMember" xlink:to="lab_us-gaap_InterestRateSwapMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableImpairedLineItems_e4ece386-b47a-4aae-bb4f-ece5326ea7ee_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableImpairedLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Impaired [Line Items]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableImpairedLineItems_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableImpairedLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Impaired [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableImpairedLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableImpairedLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems" xlink:to="lab_us-gaap_FinancingReceivableImpairedLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentAxis_4d75c83f-1974-4d1c-9f2a-794eb0da926f_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentAxis_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentAxis" xlink:to="lab_us-gaap_DebtInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears_83290abe-9892-46ea-801e-0e917a9c0b7f_terseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-Type and Direct Financing Leases, Payment to be Received, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingAggtErrCompAmt_terseLabel_en-US" xlink:label="lab_ecd_OutstandingAggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
    <link:label id="lab_ecd_OutstandingAggtErrCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingAggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingAggtErrCompAmt" xlink:to="lab_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GuaranteesFairValueDisclosure_6d93ff7d-0b85-4a4b-b31c-26dcda78d1d8_terseLabel_en-US" xlink:label="lab_us-gaap_GuaranteesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guarantees, fair value</link:label>
    <link:label id="lab_us-gaap_GuaranteesFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_GuaranteesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantees, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteesFairValueDisclosure" xlink:to="lab_us-gaap_GuaranteesFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputTypeDomain_fb790441-a494-4664-b9d0-b53062d098e6_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeDomain_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeDomain" xlink:to="lab_us-gaap_MeasurementInputTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeCollateralRightToReclaimSecurities_f8c1a65d-fdd7-4aec-ab92-829cfb7fe96a_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeCollateralRightToReclaimSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeCollateralRightToReclaimSecurities_label_en-US" xlink:label="lab_us-gaap_DerivativeCollateralRightToReclaimSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Security Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralRightToReclaimSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities" xlink:to="lab_us-gaap_DerivativeCollateralRightToReclaimSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesForReverseRepurchaseAgreements_8bcb4b0f-365c-4c15-9b42-23efa5ace2b6_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesForReverseRepurchaseAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities reverse repurchase</link:label>
    <link:label id="lab_us-gaap_SecuritiesForReverseRepurchaseAgreements_label_en-US" xlink:label="lab_us-gaap_SecuritiesForReverseRepurchaseAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securities for Reverse Repurchase Agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesForReverseRepurchaseAgreements" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritiesForReverseRepurchaseAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesForReverseRepurchaseAgreements" xlink:to="lab_us-gaap_SecuritiesForReverseRepurchaseAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Liabilities_bc70934e-1289-4fdf-a66a-21faac8f89fc_totalLabel_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities</link:label>
    <link:label id="lab_us-gaap_Liabilities_label_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Liabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Liabilities" xlink:to="lab_us-gaap_Liabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityMidCapCoreMember_29d7c900-c04a-41bd-a6d4-4ac31cd45a2e_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityMidCapCoreMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mid-cap core</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityMidCapCoreMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityMidCapCoreMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Mid Cap Core [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityMidCapCoreMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityMidCapCoreMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Mid Cap Core</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityMidCapCoreMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityMidCapCoreMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanEquityMidCapCoreMember" xlink:to="lab_fbc_DefinedBenefitPlanEquityMidCapCoreMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_086aed7f-aadd-4df1-86a0-1bf2c835d17f_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember_87dbdea3-7749-4711-8d03-91760041662e_terseLabel_en-US" xlink:label="lab_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Series C Noncumulative Convertible Preferred Stock</link:label>
    <link:label id="lab_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember_label_en-US" xlink:label="lab_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Series C Noncumulative Convertible Preferred Stock [Member]</link:label>
    <link:label id="lab_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember_documentation_en-US" xlink:label="lab_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Series C Noncumulative Convertible Preferred Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember" xlink:href="fbc-20231231.xsd#fbc_SeriesCNoncumulativeConvertiblePreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember" xlink:to="lab_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementFrequencyDomain_9cd60e8e-0466-4395-9f07-0fe9b343e759_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementFrequencyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain" xlink:to="lab_us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_427885c9-669c-471a-8572-1ac2fae26b70_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonRule10b51ArrAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Adopted</link:label>
    <link:label id="lab_ecd_NonRule10b51ArrAdoptedFlag_label_en-US" xlink:label="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:to="lab_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree_026d2060-fc45-423b-ad02-1b70699dee8c_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetsAtFairValueTable_f848fd85-9fd3-4dba-8b22-e422d9148f22_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetsAtFairValueTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Servicing Assets at Fair Value [Table]</link:label>
    <link:label id="lab_us-gaap_ServicingAssetsAtFairValueTable_label_en-US" xlink:label="lab_us-gaap_ServicingAssetsAtFairValueTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Servicing Assets at Fair Value [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable" xlink:to="lab_us-gaap_ServicingAssetsAtFairValueTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain_6f42adfa-cc06-49f0-bcfa-32f54ba32b0f_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Type</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter_0dc11611-ea80-4ee9-af5b-098bf2221bfc_terseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Thereafter</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-Type and Direct Financing Leases, Payment to be Received, after Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption_0d82a529-fbd4-4b46-b993-02c4238845da_terseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average cost to service per loan</link:label>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption_label_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Other Assumption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption" xlink:to="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_54aa2799-a9af-4803-992f-b659fe84a8b1_terseLabel_en-US" xlink:label="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]</link:label>
    <link:label id="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_label_en-US" xlink:label="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:to="lab_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventLineItems_15fa3bce-2ecf-4ebb-ad4b-6b2f6f4e6840_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event [Line Items]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventLineItems_label_en-US" xlink:label="lab_us-gaap_SubsequentEventLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventLineItems" xlink:to="lab_us-gaap_SubsequentEventLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_8b9bb38b-c292-4e5a-acfe-d6a0c50ae6dd_totalLabel_en-US" xlink:label="lab_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total loans and leases, net</link:label>
    <link:label id="lab_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_label_en-US" xlink:label="lab_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, After Allowance For Credit Loss And Financing Receivable, Held For Sale</link:label>
    <link:label id="lab_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_documentation_en-US" xlink:label="lab_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, After Allowance For Credit Loss And Financing Receivable, Held For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" xlink:to="lab_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy_2ec8ad8c-a224-4dc5-a663-9bd976bb21ce_terseLabel_en-US" xlink:label="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans</link:label>
    <link:label id="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy_label_en-US" xlink:label="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Held-for-Investment [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:to="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_729e400a-3484-4fad-a79c-fbd2c84f7cf2_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payment, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:to="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd_e5525909-a072-4578-82ab-7e8be86e5a0e_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB advances, overnight</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Activity for Year, Maximum Outstanding at any Month End</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability_4ccf859a-6e6e-432f-a197-368f295d6df8_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax liability</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Deferred Tax Liability</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Deferred Tax Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputOptionVolatilityMember_ac206533-0528-4f7e-ae01-11ffaea12985_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputOptionVolatilityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Option adjusted spread</link:label>
    <link:label id="lab_us-gaap_MeasurementInputOptionVolatilityMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputOptionVolatilityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Option Volatility [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputOptionVolatilityMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputOptionVolatilityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputOptionVolatilityMember" xlink:to="lab_us-gaap_MeasurementInputOptionVolatilityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_b8439ec6-bb13-4e3d-b300-9b1c86e99c9e_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less than Twelve Months, Fair Value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GeneralAndAdministrativeExpense_2bad2c5c-c013-4221-8051-ad7d9aa3a0a3_terseLabel_en-US" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">General and administrative</link:label>
    <link:label id="lab_us-gaap_GeneralAndAdministrativeExpense_label_en-US" xlink:label="lab_us-gaap_GeneralAndAdministrativeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">General and Administrative Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GeneralAndAdministrativeExpense" xlink:to="lab_us-gaap_GeneralAndAdministrativeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_20ecaef5-7e74-4189-a5eb-f6c75c715f15_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2032</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, after Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases_3cb43884-966e-4f9d-8e3b-67382933e469_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and leases</link:label>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases_label_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loans and Leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:to="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_48888f0e-08ee-49c2-a43f-93f4852aa156_terseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Constant prepayment rate (as a percent)</link:label>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_label_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Prepayment Speed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:to="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositBrokered_58aa2bce-93a3-4b9d-8e18-ab12e04e9782_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositBrokered" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average interest rate, brokered deposit</link:label>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositBrokered_label_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositBrokered" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Domestic Deposit, Brokered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositBrokered" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositBrokered"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositBrokered" xlink:to="lab_us-gaap_WeightedAverageRateDomesticDepositBrokered" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsumerPortfolioSegmentMember_807c1d3b-dec4-44fc-bc15-d30480cd2068_terseLabel_en-US" xlink:label="lab_us-gaap_ConsumerPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consumer and other</link:label>
    <link:label id="lab_us-gaap_ConsumerPortfolioSegmentMember_label_en-US" xlink:label="lab_us-gaap_ConsumerPortfolioSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consumer Portfolio Segment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsumerPortfolioSegmentMember" xlink:to="lab_us-gaap_ConsumerPortfolioSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_59182cff-ff25-4dbd-bb8e-0208a8e48344_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NON-INTEREST EXPENSE:</link:label>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpenseAbstract" xlink:to="lab_us-gaap_NoninterestExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm_ee42a61e-f661-459a-aa93-1e7ddc10986c_terseLabel_en-US" xlink:label="lab_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Settlement terms, period</link:label>
    <link:label id="lab_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm_label_en-US" xlink:label="lab_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments Subject To Mandatory Redemption By Settlement Terms, Term</link:label>
    <link:label id="lab_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm_documentation_en-US" xlink:label="lab_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Instruments Subject To Mandatory Redemption By Settlement Terms, Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" xlink:href="fbc-20231231.xsd#fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" xlink:to="lab_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures, Table</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:to="lab_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_76af0efd-d5a2-42d0-826d-ffc0b1d967b5_terseLabel_en-US" xlink:label="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State and local &#8211; current</link:label>
    <link:label id="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current State and Local Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:to="lab_us-gaap_CurrentStateAndLocalTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_ea860e49-e886-45b8-b91d-76bddcc60ada_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments in subsidiaries</link:label>
    <link:label id="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_label_en-US" xlink:label="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:to="lab_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockMember_d5d96bf9-3c83-4072-8303-9a786f38f79f_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred Stock (Par Value: $0.01)</link:label>
    <link:label id="lab_us-gaap_PreferredStockMember_label_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockMember" xlink:to="lab_us-gaap_PreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_f64d3f4c-f4c6-45d3-a9e5-0518b38f347a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recoveries</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_e6f90354-6b79-45e1-99f0-223f0f4a352e_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amortization of defined benefit pension plan items:</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_bf4d02cb-1765-4fe4-aea8-2e90727601b2_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Net Periodic Benefit Cost (Credit)</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_d233cc18-2798-4fb7-98fd-1a640be3ca48_totalLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net periodic pension credit</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Net Periodic Benefit Cost (Credit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:to="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsSavingsDeposits_dfec50f8-f834-4181-ac25-df28ef12d8fc_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Savings accounts</link:label>
    <link:label id="lab_us-gaap_DepositsSavingsDeposits_label_en-US" xlink:label="lab_us-gaap_DepositsSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Savings Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsSavingsDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsSavingsDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsSavingsDeposits" xlink:to="lab_us-gaap_DepositsSavingsDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember_a0eaa154-c7ad-4a21-a1da-bdaccf3359f9_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total - Fixed Income/Cash Equivalents</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Fixed Income And Cash Equivalents [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Fixed Income And Cash Equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember" xlink:to="lab_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquitySecuritiesMember_7e6eca89-f889-400c-98b0-8ee51269cae9_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Securities</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesMember_07d8b592-28ab-40e0-ad17-14cd5fbbeb3a_verboseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Equity securities:</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesMember_label_en-US" xlink:label="lab_us-gaap_EquitySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesMember" xlink:to="lab_us-gaap_EquitySecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_9d5ceb0c-1a78-4fda-bc57-33442ce258d0_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">GSE certificates</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_label_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:to="lab_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember_cd5788b9-bc67-4c71-a81a-5f929476b0b1_terseLabel_en-US" xlink:label="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Combination - Interest Rate Reduction &amp; Term Extension</link:label>
    <link:label id="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember_label_en-US" xlink:label="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Extended Maturity and Interest Rate Reduction [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:to="lab_us-gaap_ExtendedMaturityAndInterestRateReductionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_45063689-4072-467b-972c-9d7d4aa75672_verboseLabel_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_label_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_f38a215d-3025-4e4b-b8ee-8a333a3e7007_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Loans Held for Investment by Credit Quality Indicator</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Credit Quality Indicators [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_a9389f7f-2d64-4a7f-ae5a-c9e9ee6fb841_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Current-period gross write-offs</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_5368eac7-2778-49ec-aa34-c832163c4d64_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity securities</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember" xlink:to="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent_d49646ff-1986-41f6-8292-f871b69f0b3e_terseLabel_en-US" xlink:label="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Option adjusted spread (percent)</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent_label_en-US" xlink:label="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Option Adjusted Spread, Percent</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent_documentation_en-US" xlink:label="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Option Adjusted Spread, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" xlink:to="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_fb2db909-440e-4672-91f3-292e2a24b0f4_terseLabel_en-US" xlink:label="lab_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing fees, ancillary income and late fees</link:label>
    <link:label id="lab_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_label_en-US" xlink:label="lab_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" xlink:to="lab_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherLiabilities_11915c57-2f9c-4fc6-860c-45a2d97e0e27_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_us-gaap_OtherLiabilities_label_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLiabilities" xlink:to="lab_us-gaap_OtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerSharePolicyTextBlock_39403791-7db2-466c-b487-50f5eb23ec4e_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerSharePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings per Common Share (Basic and Diluted)</link:label>
    <link:label id="lab_us-gaap_EarningsPerSharePolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_EarningsPerSharePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerSharePolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerSharePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="lab_us-gaap_EarningsPerSharePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodShares_be86489c-a4e6-4f0b-8553-615c477ebc0e_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodShares" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchase of common stock (in shares)</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodShares_label_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Repurchased During Period, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockRepurchasedDuringPeriodShares" xlink:to="lab_us-gaap_StockRepurchasedDuringPeriodShares" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_72be6d50-cde4-4f05-8afe-e17c37a532bf_terseLabel_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of tax deductibility of deferred compensation</link:label>
    <link:label id="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_label_en-US" xlink:label="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Expense (Benefit), Share-Based Payment Arrangement, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:to="lab_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockConvertibleConversionPrice_7d24fc44-4569-4cef-9eff-c2c71145caae_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockConvertibleConversionPrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Conversion price (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockConvertibleConversionPrice_label_en-US" xlink:label="lab_us-gaap_PreferredStockConvertibleConversionPrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Convertible, Conversion Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockConvertibleConversionPrice" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockConvertibleConversionPrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockConvertibleConversionPrice" xlink:to="lab_us-gaap_PreferredStockConvertibleConversionPrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightOutstanding_8ffdc613-af86-4a85-83c7-420b1330e951_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warrant outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightOutstanding_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right, Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:to="lab_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcessionsMember_9223d809-af15-48a9-aa04-6975ffff85bc_terseLabel_en-US" xlink:label="lab_us-gaap_ConcessionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Premises</link:label>
    <link:label id="lab_us-gaap_ConcessionsMember_label_en-US" xlink:label="lab_us-gaap_ConcessionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concessions [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcessionsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcessionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcessionsMember" xlink:to="lab_us-gaap_ConcessionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_acf205d0-b226-4216-baf3-9d8e2c3a3a6e_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_3609ff89-3a1d-48f6-87c5-7cb1059d3005_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_3764d116-bc97-4ddb-9ee5-36160c0144d9_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in usd per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_USTreasuryAndGovernmentMember_186088ef-da04-4e1c-9bc4-7d78165dd63d_terseLabel_en-US" xlink:label="lab_us-gaap_USTreasuryAndGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. Government and GSE Obligations</link:label>
    <link:label id="lab_us-gaap_USTreasuryAndGovernmentMember_label_en-US" xlink:label="lab_us-gaap_USTreasuryAndGovernmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US Treasury and Government [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_USTreasuryAndGovernmentMember" xlink:to="lab_us-gaap_USTreasuryAndGovernmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember_1a5f65b9-9241-4d50-9a17-177db264dfe3_terseLabel_en-US" xlink:label="lab_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Health &amp; Welfare Plan</link:label>
    <link:label id="lab_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember_label_en-US" xlink:label="lab_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Postretirement Benefits Plan [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember" xlink:to="lab_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetBackedSecuritiesMember_15a87f87-8816-48a1-b4ba-6e0191e0931c_terseLabel_en-US" xlink:label="lab_us-gaap_AssetBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset-backed securities</link:label>
    <link:label id="lab_us-gaap_AssetBackedSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_AssetBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset-Backed Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetBackedSecuritiesMember" xlink:to="lab_us-gaap_AssetBackedSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_cf8eeb71-88b3-440c-aded-94968aede7dd_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by operating activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_b01ac388-d6f2-410a-a6ad-9105d696f8d9_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets, Future Amortization Expense</link:label>
    <link:label id="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:to="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementClassOfStockAxis_cd276fdc-cc24-460c-adb1-aaf3b565b819_terseLabel_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementClassOfStockAxis_label_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="lab_us-gaap_StatementClassOfStockAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompRecoveryTable_terseLabel_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery</link:label>
    <link:label id="lab_ecd_ErrCompRecoveryTable_label_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ErrCompRecoveryTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="lab_ecd_ErrCompRecoveryTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_bee31786-0a58-412d-a1ae-10a018680f99_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">ACL at acquisition</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_b8508e27-6394-47a9-839e-1e10c89500d2_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment for Purchased PCD Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ForwardCommitmentsMember_29268c03-067b-45b0-8a98-4b8c348725ea_terseLabel_en-US" xlink:label="lab_fbc_ForwardCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forward commitments</link:label>
    <link:label id="lab_fbc_ForwardCommitmentsMember_label_en-US" xlink:label="lab_fbc_ForwardCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forward Commitments [Member]</link:label>
    <link:label id="lab_fbc_ForwardCommitmentsMember_documentation_en-US" xlink:label="lab_fbc_ForwardCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Forward Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForwardCommitmentsMember" xlink:href="fbc-20231231.xsd#fbc_ForwardCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ForwardCommitmentsMember" xlink:to="lab_fbc_ForwardCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_2c0589e1-7ca2-4852-a787-878c733a8ad6_terseLabel_en-US" xlink:label="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
    <link:label id="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_label_en-US" xlink:label="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:to="lab_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIVMember_61f6eca0-25c3-4d64-b294-2bb3f6a38515_terseLabel_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIVMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust IV</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIVMember_label_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIVMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust IV [Member]</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIVMember_documentation_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIVMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust IV</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIVMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIVMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarStatutoryTrustIVMember" xlink:to="lab_fbc_FlagstarStatutoryTrustIVMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered</link:label>
    <link:label id="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:to="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate_865003c9-bacd-4341-8bc5-d4a372ae746c_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year when ultimate trend rate will be reached</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Year Health Care Cost Trend Rate Reaches Ultimate Trend Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate" xlink:to="lab_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_d45675fb-1757-492b-b920-560345c2a561_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Interest Rate (1)</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Rolling Year [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_8903143e-0b59-4b68-9e40-af7e3e2691e5_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination and Asset Acquisition [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract" xlink:to="lab_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_8201b0bc-66d5-4264-8eed-596f504287fa_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross realized gains</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Realized Gain</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock_8d6c6cd7-a5aa-474b-8e80-962630d4a1f2_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Allocation</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Allocation [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock" xlink:to="lab_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PerformingFinancingReceivableMember_40cf3393-f6c5-4e61-b539-f7cc6ca21a21_verboseLabel_en-US" xlink:label="lab_us-gaap_PerformingFinancingReceivableMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other performing loans:</link:label>
    <link:label id="lab_us-gaap_PerformingFinancingReceivableMember_label_en-US" xlink:label="lab_us-gaap_PerformingFinancingReceivableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performing Financial Instruments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformingFinancingReceivableMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformingFinancingReceivableMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PerformingFinancingReceivableMember" xlink:to="lab_us-gaap_PerformingFinancingReceivableMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_36f35c88-67cb-4e57-ba03-c466c14a5549_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Settlement</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1_14222d4b-9dda-4afb-81c7-324610a91680_terseLabel_en-US" xlink:label="lab_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
    <link:label id="lab_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1_label_en-US" xlink:label="lab_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncash or Part Noncash Acquisition, Intangible Assets Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1" xlink:to="lab_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillImpairmentLoss_487844fa-9d4d-45d5-87e5-5ceffd3a45cb_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillImpairmentLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill impairment</link:label>
    <link:label id="lab_us-gaap_GoodwillImpairmentLoss_label_en-US" xlink:label="lab_us-gaap_GoodwillImpairmentLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill, Impairment Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillImpairmentLoss" xlink:to="lab_us-gaap_GoodwillImpairmentLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsValuationAllowance_f78c0e31-d63d-4073-ae4e-2bdcbefa6b80_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsValuationAllowance" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Valuation allowance</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsValuationAllowance_d9f4c52f-5755-4d73-9cd3-60282b3647be_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation allowance</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsValuationAllowance_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Valuation Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsValuationAllowance" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsValuationAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsValuationAllowance" xlink:to="lab_us-gaap_DeferredTaxAssetsValuationAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_62c8b346-8d8b-4ef2-978c-82ef3ad33fb6_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DecreaseInDebtSecuritiesTrading_9f45d6a2-69ad-40c3-b8e1-6c8dffbf1e06_terseLabel_en-US" xlink:label="lab_fbc_DecreaseInDebtSecuritiesTrading" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sales of securities held for trading</link:label>
    <link:label id="lab_fbc_DecreaseInDebtSecuritiesTrading_label_en-US" xlink:label="lab_fbc_DecreaseInDebtSecuritiesTrading" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Decrease in Debt Securities, Trading</link:label>
    <link:label id="lab_fbc_DecreaseInDebtSecuritiesTrading_documentation_en-US" xlink:label="lab_fbc_DecreaseInDebtSecuritiesTrading" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Decrease in Debt Securities, Trading</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DecreaseInDebtSecuritiesTrading" xlink:href="fbc-20231231.xsd#fbc_DecreaseInDebtSecuritiesTrading"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DecreaseInDebtSecuritiesTrading" xlink:to="lab_fbc_DecreaseInDebtSecuritiesTrading" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FeeIncome_417ed0c4-c5fa-4eae-96dc-07619680fbde_terseLabel_en-US" xlink:label="lab_us-gaap_FeeIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fee income</link:label>
    <link:label id="lab_us-gaap_FeeIncome_label_en-US" xlink:label="lab_us-gaap_FeeIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fee Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeeIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FeeIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FeeIncome" xlink:to="lab_us-gaap_FeeIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis_e74f0d1b-5c6a-4d5a-9622-8e562274e2c5_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:to="lab_us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_760db263-cc4e-411b-af87-4383c00d5188_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains on cash flow hedges:</link:label>
    <link:label id="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:to="lab_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock_0b98bfa3-e3d7-457e-9c75-064e80b82dfc_terseLabel_en-US" xlink:label="lab_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in Projected Benefit Obligations, Fair Value of Plan Assets, and Funded Status of Plan</link:label>
    <link:label id="lab_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changes in Projected Benefit Obligations, Fair Value of Plan Assets, and Funded Status of Plan [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock" xlink:to="lab_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_937cc055-e104-48b8-b8eb-5255f9e336b3_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Statements of Cash Flows</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statement [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityDisclosureTextBlock_1a89ae18-bb9b-4cac-ab0f-d3031bfb9dc2_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Interest Entities</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:to="lab_us-gaap_VariableInterestEntityDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_486c8c02-42e9-46cb-94bc-248f8f94759f_periodStartLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_cef61a29-92ca-46bc-83cf-ab5f85bcfc99_periodEndLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_55081b6a-82b3-4fe6-948b-33cdd7dda2c7_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage servicing rights</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmount" xlink:to="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherCommitmentsTableTextBlock_4c3cdf4c-594c-482d-8585-efd753a70776_terseLabel_en-US" xlink:label="lab_us-gaap_OtherCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of the Contractual Amount of Significant Commitments</link:label>
    <link:label id="lab_us-gaap_OtherCommitmentsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_OtherCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherCommitmentsTableTextBlock" xlink:to="lab_us-gaap_OtherCommitmentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax_adbabccb-6f5f-4264-9e93-ecf9853b8653_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustment for defined benefit plans, tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive (Income) Loss, Defined Benefit Plan, Reclassification Adjustment from AOCI, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember_bc0d5e72-265f-4eb5-bfbb-0845ea9721fb_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed income securities</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Fixed Income Securities [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Fixed Income Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember" xlink:to="lab_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC_34b67f68-aa8d-4165-9b46-cd67cde29372_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans returned to the FDIC</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans Returned to the FDIC</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans Returned to the FDIC</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis_9cb19f71-ebad-469b-b13d-9741557895a4_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Type</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_AcquisitionDevelopmentAndConstructionLoanMember_7d54d9b9-2ffa-45b1-9cff-b0fd8345e69c_terseLabel_en-US" xlink:label="lab_fbc_AcquisitionDevelopmentAndConstructionLoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition, development, and construction</link:label>
    <link:label id="lab_fbc_AcquisitionDevelopmentAndConstructionLoanMember_label_en-US" xlink:label="lab_fbc_AcquisitionDevelopmentAndConstructionLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Acquisition, Development, and Construction Loan [Member]</link:label>
    <link:label id="lab_fbc_AcquisitionDevelopmentAndConstructionLoanMember_documentation_en-US" xlink:label="lab_fbc_AcquisitionDevelopmentAndConstructionLoanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Acquisition, Development, and Construction Loan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember" xlink:to="lab_fbc_AcquisitionDevelopmentAndConstructionLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_34ba251c-52dc-4d3f-9a0e-e6c0629b9988_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, shares issued (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesIssued" xlink:to="lab_us-gaap_PreferredStockSharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_b3b93896-f383-4f72-9733-8f629bc3fa0b_totalLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities assumed</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_JuniorSubordinatedDebenturesDividendsTerm_000a98e6-be80-41cf-8d4e-fbfbae00e4f9_terseLabel_en-US" xlink:label="lab_fbc_JuniorSubordinatedDebenturesDividendsTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferrable term</link:label>
    <link:label id="lab_fbc_JuniorSubordinatedDebenturesDividendsTerm_label_en-US" xlink:label="lab_fbc_JuniorSubordinatedDebenturesDividendsTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Junior Subordinated Debentures, Dividends, Term</link:label>
    <link:label id="lab_fbc_JuniorSubordinatedDebenturesDividendsTerm_documentation_en-US" xlink:label="lab_fbc_JuniorSubordinatedDebenturesDividendsTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Junior Subordinated Debentures, Dividends, Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_JuniorSubordinatedDebenturesDividendsTerm" xlink:href="fbc-20231231.xsd#fbc_JuniorSubordinatedDebenturesDividendsTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_JuniorSubordinatedDebenturesDividendsTerm" xlink:to="lab_fbc_JuniorSubordinatedDebenturesDividendsTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_abfc1d38-9487-43bb-b941-3a4a876c0c56_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PriorPeriodAdjustmentAbstract_ad8a17cb-774c-4add-b778-69b1bbfc05f4_terseLabel_en-US" xlink:label="lab_us-gaap_PriorPeriodAdjustmentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments</link:label>
    <link:label id="lab_us-gaap_PriorPeriodAdjustmentAbstract_label_en-US" xlink:label="lab_us-gaap_PriorPeriodAdjustmentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prior Period Adjustment [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PriorPeriodAdjustmentAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PriorPeriodAdjustmentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract" xlink:to="lab_us-gaap_PriorPeriodAdjustmentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable_efb614e7-0dbc-4ec4-b2aa-7fbe4c2e8c29_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Table]</link:label>
    <link:label id="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable_label_en-US" xlink:label="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable" xlink:to="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_98d43906-850c-4fae-8e49-bb82c6298976_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Core deposit and other intangibles</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_35363345-6f86-43a2-a08f-2e6f5d4a4037_totalLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Carrying Value</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets, Net (Excluding Goodwill)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:to="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_66c474f8-6943-4a3e-b546-143e32cfda0c_terseLabel_en-US" xlink:label="lab_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Affordable housing tax credits</link:label>
    <link:label id="lab_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_label_en-US" xlink:label="lab_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Affordable Housing Tax Credits and Other Tax Benefits, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:to="lab_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsGross_15599d9b-f6dc-452d-8ac2-b0f03c27bff3_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsGross" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gross deferred tax assets</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsGross_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGross" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsGross" xlink:to="lab_us-gaap_DeferredTaxAssetsGross" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseTimeDeposits_2f34dc78-22a7-4fa9-b2eb-fdd888858de9_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_us-gaap_InterestExpenseTimeDeposits_label_en-US" xlink:label="lab_us-gaap_InterestExpenseTimeDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Time Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseTimeDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseTimeDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseTimeDeposits" xlink:to="lab_us-gaap_InterestExpenseTimeDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ComprehensiveIncomeLossTaxParent_9fc2f55e-0078-40ad-af2a-aaa047392218_totalLabel_en-US" xlink:label="lab_fbc_ComprehensiveIncomeLossTaxParent" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total income taxes</link:label>
    <link:label id="lab_fbc_ComprehensiveIncomeLossTaxParent_label_en-US" xlink:label="lab_fbc_ComprehensiveIncomeLossTaxParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Tax, Parent</link:label>
    <link:label id="lab_fbc_ComprehensiveIncomeLossTaxParent_documentation_en-US" xlink:label="lab_fbc_ComprehensiveIncomeLossTaxParent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Tax, Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ComprehensiveIncomeLossTaxParent" xlink:href="fbc-20231231.xsd#fbc_ComprehensiveIncomeLossTaxParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ComprehensiveIncomeLossTaxParent" xlink:to="lab_fbc_ComprehensiveIncomeLossTaxParent" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ParentCompanyMember_59afd886-9ed8-4912-9190-d7492319ca1c_terseLabel_en-US" xlink:label="lab_srt_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Parent company</link:label>
    <link:label id="lab_srt_ParentCompanyMember_label_en-US" xlink:label="lab_srt_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Parent Company [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ParentCompanyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ParentCompanyMember" xlink:to="lab_srt_ParentCompanyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MarketableSecuritiesGrossUnrealizedLoss_71c4952d-a606-46f8-bec8-6ae465d5e205_totalLabel_en-US" xlink:label="lab_fbc_MarketableSecuritiesGrossUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Loss</link:label>
    <link:label id="lab_fbc_MarketableSecuritiesGrossUnrealizedLoss_label_en-US" xlink:label="lab_fbc_MarketableSecuritiesGrossUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Securities Gross Unrealized Loss</link:label>
    <link:label id="lab_fbc_MarketableSecuritiesGrossUnrealizedLoss_documentation_en-US" xlink:label="lab_fbc_MarketableSecuritiesGrossUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Marketable Securities Gross Unrealized Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MarketableSecuritiesGrossUnrealizedLoss" xlink:href="fbc-20231231.xsd#fbc_MarketableSecuritiesGrossUnrealizedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MarketableSecuritiesGrossUnrealizedLoss" xlink:to="lab_fbc_MarketableSecuritiesGrossUnrealizedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit_6c7ed141-d0c6-4641-a1d9-27386bd8d225_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Certificates Of Deposit</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Certificates Of Deposit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual_267b8e91-efa5-4edb-b585-fcb6f23add80_terseLabel_en-US" xlink:label="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non- Accrual</link:label>
    <link:label id="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual_label_en-US" xlink:label="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding, Accrued Interest, Modified In Period, Non Accrual</link:label>
    <link:label id="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual_documentation_en-US" xlink:label="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding, Accrued Interest, Modified In Period, Non Accrual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" xlink:to="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_932ba10b-cf20-4e61-8155-4497942b2031_terseLabel_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held-for-sale</link:label>
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan, Held-for-Sale, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:to="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock_639f947c-ab4c-4ef1-9d49-d072ff2aceb6_terseLabel_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit Liabilities Disclosures [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:to="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_882caa0e-e47c-4292-a545-c1b0d928b680_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PvpTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure, Table</link:label>
    <link:label id="lab_ecd_PvpTableTextBlock_label_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PvpTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PvpTableTextBlock" xlink:to="lab_ecd_PvpTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrIndTitle_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title</link:label>
    <link:label id="lab_ecd_TrdArrIndTitle_label_en-US" xlink:label="lab_ecd_TrdArrIndTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Individual Title</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrIndTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrIndTitle" xlink:to="lab_ecd_TrdArrIndTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember_85025cba-e1f7-42d5-8a61-cca416af7197_terseLabel_en-US" xlink:label="lab_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Series B Noncumulative Convertible Preferred Stock</link:label>
    <link:label id="lab_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember_label_en-US" xlink:label="lab_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Series B Noncumulative Convertible Preferred Stock [Member]</link:label>
    <link:label id="lab_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember_documentation_en-US" xlink:label="lab_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Series B Noncumulative Convertible Preferred Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember" xlink:href="fbc-20231231.xsd#fbc_SeriesBNoncumulativeConvertiblePreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember" xlink:to="lab_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_788b8a0a-b6e2-4990-a985-efe6ce5a6937_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net interest income after provision for credit loan losses</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), after Provision for Loan Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockMember_5db0cbe6-a2ff-4fbe-b95a-855da8d5e29c_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock (Par Value: $0.01)</link:label>
    <link:label id="lab_us-gaap_CommonStockMember_label_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockMember" xlink:to="lab_us-gaap_CommonStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestRateLockCommitmentsMember_e9a7f2df-e1a6-447d-99c4-403da6fe67a1_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateLockCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rate lock commitments (fallout-adjusted)</link:label>
    <link:label id="lab_us-gaap_InterestRateLockCommitmentsMember_label_en-US" xlink:label="lab_us-gaap_InterestRateLockCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Lock Commitments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateLockCommitmentsMember" xlink:to="lab_us-gaap_InterestRateLockCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_1f53a46d-c4ca-4195-8b11-b654cdb74e2e_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Par value (UPB)</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased with Credit Deterioration, Amount at Par Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:to="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_IndividualAxis_terseLabel_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individual:</link:label>
    <link:label id="lab_ecd_IndividualAxis_label_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Individual [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_IndividualAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_IndividualAxis" xlink:to="lab_ecd_IndividualAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxAssetsRightOfUseLiability_2dec317c-c0f1-422e-9130-b7233788b6f7_terseLabel_en-US" xlink:label="lab_fbc_DeferredTaxAssetsRightOfUseLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Right of Use Liability</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsRightOfUseLiability_label_en-US" xlink:label="lab_fbc_DeferredTaxAssetsRightOfUseLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Right Of Use Liability</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsRightOfUseLiability_documentation_en-US" xlink:label="lab_fbc_DeferredTaxAssetsRightOfUseLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Right Of Use Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsRightOfUseLiability" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsRightOfUseLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxAssetsRightOfUseLiability" xlink:to="lab_fbc_DeferredTaxAssetsRightOfUseLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_1263ef02-bc47-4826-a343-3dea5aaf852a_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:to="lab_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_AOCICashFlowHedgeCumulativeGainLossTax_f55155a1-7f88-4a67-819d-267bc5bd9cdf_terseLabel_en-US" xlink:label="lab_fbc_AOCICashFlowHedgeCumulativeGainLossTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized (loss) gain on cash flow hedges, tax</link:label>
    <link:label id="lab_fbc_AOCICashFlowHedgeCumulativeGainLossTax_label_en-US" xlink:label="lab_fbc_AOCICashFlowHedgeCumulativeGainLossTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI, Cash Flow Hedge, Cumulative Gain (Loss), Tax</link:label>
    <link:label id="lab_fbc_AOCICashFlowHedgeCumulativeGainLossTax_documentation_en-US" xlink:label="lab_fbc_AOCICashFlowHedgeCumulativeGainLossTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">AOCI, Cash Flow Hedge, Cumulative Gain (Loss), Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AOCICashFlowHedgeCumulativeGainLossTax" xlink:href="fbc-20231231.xsd#fbc_AOCICashFlowHedgeCumulativeGainLossTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_AOCICashFlowHedgeCumulativeGainLossTax" xlink:to="lab_fbc_AOCICashFlowHedgeCumulativeGainLossTax" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_6f47882f-9e53-4cbf-a3b2-39c6306c4e57_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementLocationDomain_de20ba52-2e20-48f5-800b-fb99e1bb1dd4_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementLocationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Statement Location [Domain]</link:label>
    <link:label id="lab_us-gaap_IncomeStatementLocationDomain_label_en-US" xlink:label="lab_us-gaap_IncomeStatementLocationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement Location [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementLocationDomain" xlink:to="lab_us-gaap_IncomeStatementLocationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome_ed441e30-274a-4cb9-bbdc-4073f928106b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Tax Exempt income</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:to="lab_us-gaap_IncomeTaxReconciliationTaxExemptIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_647a27a9-1157-41a6-a573-f7e0a36817e1_totalLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total lease payments</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-Type and Direct Financing Leases, Payment to be Received</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense_5f488d18-4bd2-4810-843d-ca6174cbe4dd_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax expense interest and penalties</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_AffordableHousingProgramObligationPeriod_a402cd05-3626-4c99-b00d-db6f9eae04f7_terseLabel_en-US" xlink:label="lab_fbc_AffordableHousingProgramObligationPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments that expect to be funded period</link:label>
    <link:label id="lab_fbc_AffordableHousingProgramObligationPeriod_label_en-US" xlink:label="lab_fbc_AffordableHousingProgramObligationPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Affordable Housing Program Obligation Period</link:label>
    <link:label id="lab_fbc_AffordableHousingProgramObligationPeriod_documentation_en-US" xlink:label="lab_fbc_AffordableHousingProgramObligationPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Affordable Housing Program Obligation Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AffordableHousingProgramObligationPeriod" xlink:href="fbc-20231231.xsd#fbc_AffordableHousingProgramObligationPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_AffordableHousingProgramObligationPeriod" xlink:to="lab_fbc_AffordableHousingProgramObligationPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MinimumMember_947a2944-9e00-4de8-9acf-84714ab31bd4_terseLabel_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum</link:label>
    <link:label id="lab_srt_MinimumMember_label_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MinimumMember" xlink:to="lab_srt_MinimumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_50063fa7-433b-4c43-8980-f229bfecc7d5_verboseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:to="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_b01ecc1d-c7df-4ba9-ad64-021cb3440d67_verboseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Premises and equipment, net</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentNet_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentNet" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedBalanceSheetStatementTable_66d88430-7f06-4fe2-a190-c0730adf1386_terseLabel_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statement [Table]</link:label>
    <link:label id="lab_srt_CondensedBalanceSheetStatementTable_label_en-US" xlink:label="lab_srt_CondensedBalanceSheetStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementTable" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedBalanceSheetStatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedBalanceSheetStatementTable" xlink:to="lab_srt_CondensedBalanceSheetStatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_1aad8a17-3cbd-4046-839b-47d48a544558_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net proceeds from sales of MSR's</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Mortgage Servicing Rights (MSR)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:to="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareCashPaid_657bb18d-2494-4ff3-88f5-bca806133b41_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends paid on common stock (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareCashPaid_label_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Dividends, Per Share, Cash Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:to="lab_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_cd190abc-bffe-413e-b8c5-9eb137e2255c_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic_e44f42da-cc59-4176-9e3c-4418fa9d52cc_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Less: Dividends paid on and earnings allocated to participating securities</link:label>
    <link:label id="lab_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic_label_en-US" xlink:label="lab_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Participating Securities, Distributed and Undistributed Earnings (Loss), Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic" xlink:to="lab_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_eb997de7-cc7f-433b-8782-868c20508fa6_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanBenefitObligation_d6537801-9411-4abe-96fa-0c5da80ac016_periodStartLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanBenefitObligation" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Benefit obligation at beginning of year</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanBenefitObligation_6eeebaa8-cd3f-4c49-b587-18fdb1e8de0e_periodEndLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanBenefitObligation" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Benefit obligation at end of year</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanBenefitObligation_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanBenefitObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Benefit Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanBenefitObligation" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanBenefitObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanBenefitObligation" xlink:to="lab_us-gaap_DefinedBenefitPlanBenefitObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsAbstract_ae6d5d02-a73c-4552-932c-397c68860015_verboseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">ASSETS:</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_5ab32053-0cb4-469f-a21d-738ed7abd702_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ASSETS:</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="lab_us-gaap_AssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMnpiDiscTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Disclosure</link:label>
    <link:label id="lab_ecd_AwardTmgMnpiDiscTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:to="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt_050a10eb-22b3-4aca-9c6a-5cc5b76f8a6f_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from long-term borrowed funds</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Issuance of Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:to="lab_us-gaap_ProceedsFromIssuanceOfLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_f5573144-04f5-4e88-a96e-79bd368a6d6f_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payment, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:to="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfImpairedFinancingReceivableTable_28d50b84-191e-44bb-ac62-e5a9e84e7bd3_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Impaired Financing Receivable [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfImpairedFinancingReceivableTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Impaired Financing Receivable [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:to="lab_us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_5b3419e7-9e13-4312-b175-9a09f838d197_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of assets acquired:</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability_a4ad7b09-7af5-4afe-9169-d745eaf7d671_terseLabel_en-US" xlink:label="lab_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LGG loans, repurchase liability</link:label>
    <link:label id="lab_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability_label_en-US" xlink:label="lab_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, With Government Guaranty, Repurchase Liability</link:label>
    <link:label id="lab_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability_documentation_en-US" xlink:label="lab_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, With Government Guaranty, Repurchase Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability" xlink:to="lab_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_11c43387-7366-4144-a3fa-7ab1ce8d3a02_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Payments relating to treasury shares received for restricted stock award tax payments</link:label>
    <link:label id="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment, Tax Withholding, Share-Based Payment Arrangement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:to="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsOther_4f848a63-8b1d-4326-9ab8-05b8749ed321_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsOther_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOther" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsOther" xlink:to="lab_us-gaap_DeferredTaxAssetsOther" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_USTreasurySecuritiesMember_ca9dd1d8-c937-4717-8a3e-2bfa8b3bb0d4_terseLabel_en-US" xlink:label="lab_us-gaap_USTreasurySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U. S. Treasury obligations</link:label>
    <link:label id="lab_us-gaap_USTreasurySecuritiesMember_label_en-US" xlink:label="lab_us-gaap_USTreasurySecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US Treasury Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_USTreasurySecuritiesMember" xlink:to="lab_us-gaap_USTreasurySecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_1f56fa08-0aa9-4b06-aee9-b5f0f778d564_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash (used in) provided by financing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetirementPlanTypeAxis_5d116cb5-efa8-4d7f-8421-68c6cf5e4580_terseLabel_en-US" xlink:label="lab_us-gaap_RetirementPlanTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retirement Plan Type [Axis]</link:label>
    <link:label id="lab_us-gaap_RetirementPlanTypeAxis_label_en-US" xlink:label="lab_us-gaap_RetirementPlanTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retirement Plan Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetirementPlanTypeAxis" xlink:to="lab_us-gaap_RetirementPlanTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_c0125ca4-c444-4134-9223-498a7929f710_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_OtherCollateralMember_539e16cf-6ab9-46d1-9de0-fe063369b032_terseLabel_en-US" xlink:label="lab_fbc_OtherCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_fbc_OtherCollateralMember_label_en-US" xlink:label="lab_fbc_OtherCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Collateral [Member]</link:label>
    <link:label id="lab_fbc_OtherCollateralMember_documentation_en-US" xlink:label="lab_fbc_OtherCollateralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Collateral</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherCollateralMember" xlink:href="fbc-20231231.xsd#fbc_OtherCollateralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_OtherCollateralMember" xlink:to="lab_fbc_OtherCollateralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedEarningsMember_46fa10ba-6007-4f42-8b8b-b18157ca4b91_verboseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Retained Earnings</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsMember_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsMember" xlink:to="lab_us-gaap_RetainedEarningsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FixedIncomeInvestmentsMember_0161d500-404f-4c5e-8bbf-0cdbbafdf037_terseLabel_en-US" xlink:label="lab_us-gaap_FixedIncomeInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed Income Investments</link:label>
    <link:label id="lab_us-gaap_FixedIncomeInvestmentsMember_label_en-US" xlink:label="lab_us-gaap_FixedIncomeInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed Income Investments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInvestmentsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedIncomeInvestmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FixedIncomeInvestmentsMember" xlink:to="lab_us-gaap_FixedIncomeInvestmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToNonPeoNeoCompFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Non-PEO NEO Compensation Footnote</link:label>
    <link:label id="lab_ecd_AdjToNonPeoNeoCompFnTextBlock_label_en-US" xlink:label="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Non-PEO NEO Compensation Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:to="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_b9a332ae-9c60-47ee-b11d-35329da0afac_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LessorDirectFinancingLeaseTermOfContract1_a469308e-aed6-43fc-90cf-5537cca36779_terseLabel_en-US" xlink:label="lab_us-gaap_LessorDirectFinancingLeaseTermOfContract1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term of lease</link:label>
    <link:label id="lab_us-gaap_LessorDirectFinancingLeaseTermOfContract1_label_en-US" xlink:label="lab_us-gaap_LessorDirectFinancingLeaseTermOfContract1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessor, Direct Financing Lease, Term of Contract</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorDirectFinancingLeaseTermOfContract1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorDirectFinancingLeaseTermOfContract1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LessorDirectFinancingLeaseTermOfContract1" xlink:to="lab_us-gaap_LessorDirectFinancingLeaseTermOfContract1" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_CommercialLettersOfCreditMember_3caec36d-2973-498f-a0bc-bdaf5ea14a3f_terseLabel_en-US" xlink:label="lab_fbc_CommercialLettersOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial letters of credit</link:label>
    <link:label id="lab_fbc_CommercialLettersOfCreditMember_label_en-US" xlink:label="lab_fbc_CommercialLettersOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial, Letters Of Credit [Member]</link:label>
    <link:label id="lab_fbc_CommercialLettersOfCreditMember_documentation_en-US" xlink:label="lab_fbc_CommercialLettersOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Commercial, Letters Of Credit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialLettersOfCreditMember" xlink:href="fbc-20231231.xsd#fbc_CommercialLettersOfCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_CommercialLettersOfCreditMember" xlink:to="lab_fbc_CommercialLettersOfCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_d399d60a-3be2-43a9-8c93-bd7d9deb0ee3_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfers In (Out)</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_9dc8f7b8-3803-442a-a505-bd5325ac4411_verboseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Basic (in usd per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_56ba2f87-c4d5-4d61-9c72-4290ec1013dc_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic (loss) earnings per common share (in usd per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasic" xlink:to="lab_us-gaap_EarningsPerShareBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountingPoliciesAbstract_label_en-US" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountingPoliciesAbstract" xlink:to="lab_us-gaap_AccountingPoliciesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FDICServicedLoansMember_53cf769f-8632-4317-b995-2d500a89fcd7_terseLabel_en-US" xlink:label="lab_fbc_FDICServicedLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FDIC Serviced Loans</link:label>
    <link:label id="lab_fbc_FDICServicedLoansMember_label_en-US" xlink:label="lab_fbc_FDICServicedLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FDIC Serviced Loans [Member]</link:label>
    <link:label id="lab_fbc_FDICServicedLoansMember_documentation_en-US" xlink:label="lab_fbc_FDICServicedLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">FDIC Serviced Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FDICServicedLoansMember" xlink:href="fbc-20231231.xsd#fbc_FDICServicedLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FDICServicedLoansMember" xlink:to="lab_fbc_FDICServicedLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SaleOfStockNameOfTransactionDomain_ee61f47c-9c7d-4d38-abc9-518d9e1f0cd5_terseLabel_en-US" xlink:label="lab_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale of Stock [Domain]</link:label>
    <link:label id="lab_us-gaap_SaleOfStockNameOfTransactionDomain_label_en-US" xlink:label="lab_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale of Stock [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:to="lab_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis</link:label>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_label_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ErrCompAnalysisTextBlock" xlink:to="lab_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_81e61120-4dbe-40fb-96d0-9b6c21866d22_terseLabel_en-US" xlink:label="lab_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total wholesale borrowings</link:label>
    <link:label id="lab_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_label_en-US" xlink:label="lab_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances And Federal Reserve Bank Funding [Member]</link:label>
    <link:label id="lab_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_documentation_en-US" xlink:label="lab_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances And Federal Reserve Bank Funding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember" xlink:to="lab_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WarrantsAndRightsOutstandingTerm_2d9c003d-d6d6-4781-84cb-d65d0ce27a5b_terseLabel_en-US" xlink:label="lab_us-gaap_WarrantsAndRightsOutstandingTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warrant term</link:label>
    <link:label id="lab_us-gaap_WarrantsAndRightsOutstandingTerm_label_en-US" xlink:label="lab_us-gaap_WarrantsAndRightsOutstandingTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warrants and Rights Outstanding, Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstandingTerm" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantsAndRightsOutstandingTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WarrantsAndRightsOutstandingTerm" xlink:to="lab_us-gaap_WarrantsAndRightsOutstandingTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_8c2152b1-7035-45a5-ba7e-ef07d681f0be_periodStartLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Fair value of assets at beginning of year</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_9b6d7d1a-e804-45e6-976d-f32a92eaf266_periodEndLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Fair value of assets at end of year</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_a274eaba-92c1-4da8-974e-bd87b60a0fad_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Amount</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:to="lab_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet_871fd837-ca59-42d3-99f7-ef193d411396_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net deferred tax asset after valuation allowance</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:to="lab_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_05e8e7fa-637b-4e57-8559-93ec0375fe8b_totalLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payment</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanExpectedFutureBenefitPayment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment" xlink:to="lab_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_84d363e2-a4cd-4e88-bd5d-50528575c826_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of securities called by warrant (in shares)</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right, Number of Securities Called by Warrants or Rights</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:to="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsAssets_a3bf159d-1e21-4adb-aee0-bd80ae223ea9_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing deposits</link:label>
    <link:label id="lab_us-gaap_DepositsAssets_label_en-US" xlink:label="lab_us-gaap_DepositsAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsAssets" xlink:to="lab_us-gaap_DepositsAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock_4cf8df2b-c592-44d2-ba9c-f00fdce92e32_terseLabel_en-US" xlink:label="lab_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Income and Fees</link:label>
    <link:label id="lab_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock_label_en-US" xlink:label="lab_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Servicing Assets at Fair Value, Servicing Fees [Table Text Block]</link:label>
    <link:label id="lab_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock_documentation_en-US" xlink:label="lab_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of contractual servicing fees, including late fees and ancillary income, for each type of loan serviced.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" xlink:href="fbc-20231231.xsd#fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" xlink:to="lab_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities_e63a09ec-24ba-40d5-8309-3f827e5c4c19_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other net assets and liabilities</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Net Assets And Liabilities</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Net Assets And Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalToRiskWeightedAssets_8b07d762-da58-41d1-85aa-5070e0fa435f_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital, ratio</link:label>
    <link:label id="lab_us-gaap_CapitalToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalToRiskWeightedAssets" xlink:to="lab_us-gaap_CapitalToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid_cefc439a-1d1a-4490-97bc-f0ac5fdc6948_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Annuity payments</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Benefit Obligation, Benefits Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid" xlink:to="lab_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssued1_d3076d8a-87ef-4064-806d-baf570c54a01_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssued1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issued for restricted stock awards</link:label>
    <link:label id="lab_us-gaap_StockIssued1_label_en-US" xlink:label="lab_us-gaap_StockIssued1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssued1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssued1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssued1" xlink:to="lab_us-gaap_StockIssued1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxesPaid_705fbc96-d49d-4de2-bec5-33210fc71d0b_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaid" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash paid for income taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxesPaid_label_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Taxes Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaid" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxesPaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxesPaid" xlink:to="lab_us-gaap_IncomeTaxesPaid" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsolidationPolicyTextBlock_adf3ca9f-f541-4c5e-93a6-3bfc7bb25164_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation</link:label>
    <link:label id="lab_us-gaap_ConsolidationPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsolidationPolicyTextBlock" xlink:to="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_f9bcc322-af10-4e0b-83f2-c6c2ba493a18_terseLabel_en-US" xlink:label="lab_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">20% adverse change</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_label_en-US" xlink:label="lab_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Adverse Change, Tranche 2 [Abstract]</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_documentation_en-US" xlink:label="lab_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Adverse Change, Tranche 2 [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisAdverseChangeTranche2Abstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract" xlink:to="lab_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy_dc840d2f-1f42-4255-a4b6-0d1b8e258656_terseLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Fee Income</link:label>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy_label_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Fee and Interest Income [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:to="lab_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentTransitionReport_ca47c4f9-c492-4026-be12-a99d96ee4838_terseLabel_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:label id="lab_dei_DocumentTransitionReport_label_en-US" xlink:label="lab_dei_DocumentTransitionReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentTransitionReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentTransitionReport" xlink:to="lab_dei_DocumentTransitionReport" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined</link:label>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_label_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgPredtrmndFlag" xlink:to="lab_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_138a38ae-91fb-45a4-b9a1-cee4d642750a_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Business Acquisitions, by Acquisition [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Business Acquisitions, by Acquisition [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:to="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_997038c2-77ae-4f17-a19c-02c6e5136153_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive (Income) Loss, Defined Benefit Plan, Reclassification Adjustment from AOCI, Tax [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilityMeasurementInput_eb71a45c-5567-4618-85fe-551df9c1225a_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rate lock commitments (net), measurement input</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilityMeasurementInput_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityMeasurementInput" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilityMeasurementInput" xlink:to="lab_us-gaap_DerivativeLiabilityMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_4527a2d8-df7c-41a3-869c-8cb9d3ae5fd7_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustment for net gain on cash flow hedges included in net income, tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_5017a675-9bc7-447a-9020-9d78c7276b12_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2019</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock_79ff581f-ab78-4b08-8966-1f77491b837a_terseLabel_en-US" xlink:label="lab_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Income Tax Contingencies</link:label>
    <link:label id="lab_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock_label_en-US" xlink:label="lab_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Summary of Income Tax Contingencies [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SummaryOfIncomeTaxContingenciesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock" xlink:to="lab_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators_a8932332-f31f-4e5b-933c-60bfd844ddb4_terseLabel_en-US" xlink:label="lab_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of third-party mortgage originators</link:label>
    <link:label id="lab_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators_label_en-US" xlink:label="lab_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Third-Party Mortgage Originators</link:label>
    <link:label id="lab_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators_documentation_en-US" xlink:label="lab_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Number Of Third-Party Mortgage Originators</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators" xlink:to="lab_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare_59f7790b-5cab-4c9e-a79d-638a1c61799e_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liquidation amount (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instrument Subject to Mandatory Redemption, Par Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare" xlink:to="lab_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityPublicFloat_443629c3-2eb1-409d-b256-a7d28d8e0015_terseLabel_en-US" xlink:label="lab_dei_EntityPublicFloat" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Public Float</link:label>
    <link:label id="lab_dei_EntityPublicFloat_label_en-US" xlink:label="lab_dei_EntityPublicFloat" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Public Float</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityPublicFloat" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityPublicFloat"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityPublicFloat" xlink:to="lab_dei_EntityPublicFloat" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_500e9346-f5a3-417c-839b-57ab9a1c46eb_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo_4e7a6abc-2880-4ace-b9df-c362437264fe_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ResidentialMortgageMember_a4a129a3-6cef-476a-a37d-3eb4ea11bfe7_terseLabel_en-US" xlink:label="lab_us-gaap_ResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential first mortgage loans</link:label>
    <link:label id="lab_us-gaap_ResidentialMortgageMember_label_en-US" xlink:label="lab_us-gaap_ResidentialMortgageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Mortgage [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ResidentialMortgageMember" xlink:to="lab_us-gaap_ResidentialMortgageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesParValue_7f2e6a1a-cc23-4b28-812e-f299e54879cc_totalLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesParValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total FHLB advances</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesParValue_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesParValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Par Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesParValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesParValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesParValue" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesParValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate_f1badf12-9bcb-4100-bd3c-e4fb2f934881_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2032</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, after Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMember_00421075-9434-4e5f-846b-a4db9548c1ee_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB advances</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMember_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMember" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_f1600fba-f309-40fa-acb7-6893672672bb_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:to="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts_72985afa-66af-432c-81af-91ddf35d0ee8_terseLabel_en-US" xlink:label="lab_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-interest-bearing accounts</link:label>
    <link:label id="lab_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts_label_en-US" xlink:label="lab_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Non Interest-Bearing Domestic Deposits to Deposits, Non-Interest Bearing Accounts</link:label>
    <link:label id="lab_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts_documentation_en-US" xlink:label="lab_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of Non Interest-Bearing Domestic Deposits to Deposits, Non-Interest Bearing Accounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" xlink:href="fbc-20231231.xsd#fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" xlink:to="lab_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_OtherLoanCommitmentsMember_5861460f-d37f-420e-b696-a108e623c47e_terseLabel_en-US" xlink:label="lab_fbc_OtherLoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_fbc_OtherLoanCommitmentsMember_label_en-US" xlink:label="lab_fbc_OtherLoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Loan Commitments [Member]</link:label>
    <link:label id="lab_fbc_OtherLoanCommitmentsMember_documentation_en-US" xlink:label="lab_fbc_OtherLoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Loan Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_OtherLoanCommitmentsMember" xlink:to="lab_fbc_OtherLoanCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit_72223274-b369-4b82-85e5-c6ea32c15342_terseLabel_en-US" xlink:label="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit_label_en-US" xlink:label="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Interest-Bearing Domestic Deposits to Deposits, Certificates of Deposit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit" xlink:to="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllTradingArrangementsMember_terseLabel_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Trading Arrangements</link:label>
    <link:label id="lab_ecd_AllTradingArrangementsMember_label_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Trading Arrangements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllTradingArrangementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllTradingArrangementsMember" xlink:to="lab_ecd_AllTradingArrangementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract_18b04322-1fc2-4ded-86c2-2c6b2b637138_terseLabel_en-US" xlink:label="lab_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of Total</link:label>
    <link:label id="lab_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Interest-Bearing Domestic Deposit Liabilities to Deposit Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract" xlink:to="lab_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_91265324-7b0a-400d-92a1-eb2899bbe241_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseFederalFundsPurchased_2f104e0f-c5b0-4ca1-a087-e1c6bc324b50_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseFederalFundsPurchased" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal funds purchased, interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseFederalFundsPurchased_label_en-US" xlink:label="lab_us-gaap_InterestExpenseFederalFundsPurchased" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Federal Funds Purchased</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalFundsPurchased" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseFederalFundsPurchased"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseFederalFundsPurchased" xlink:to="lab_us-gaap_InterestExpenseFederalFundsPurchased" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubstandardMember_18d44526-fddd-4285-b2d4-a95b658456b4_terseLabel_en-US" xlink:label="lab_us-gaap_SubstandardMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Substandard</link:label>
    <link:label id="lab_us-gaap_SubstandardMember_label_en-US" xlink:label="lab_us-gaap_SubstandardMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Substandard [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubstandardMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubstandardMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubstandardMember" xlink:to="lab_us-gaap_SubstandardMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_e0010894-92b1-4a9a-b85d-81e288c983d9_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due within one year</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllAdjToCompMember_terseLabel_en-US" xlink:label="lab_ecd_AllAdjToCompMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Adjustments to Compensation</link:label>
    <link:label id="lab_ecd_AllAdjToCompMember_label_en-US" xlink:label="lab_ecd_AllAdjToCompMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Adjustments to Compensation [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllAdjToCompMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllAdjToCompMember" xlink:to="lab_ecd_AllAdjToCompMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_52d829e7-efeb-48dd-89c1-8e4cbb87c7a2_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Category [Table]</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Category [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable" xlink:to="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_JuniorSubordinatedDebtMember_b019fb20-60c9-4229-9d2f-34901a57678e_terseLabel_en-US" xlink:label="lab_us-gaap_JuniorSubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Junior subordinated debentures</link:label>
    <link:label id="lab_us-gaap_JuniorSubordinatedDebtMember_label_en-US" xlink:label="lab_us-gaap_JuniorSubordinatedDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Junior Subordinated Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebtMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_JuniorSubordinatedDebtMember" xlink:to="lab_us-gaap_JuniorSubordinatedDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_terseLabel_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Amount</link:label>
    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Recovery Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingRecoveryCompAmt" xlink:to="lab_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanEquitySmallCapCoreMember_51206594-d4d2-4bb1-87c4-51a4a7ab1a28_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquitySmallCapCoreMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Small-cap core</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquitySmallCapCoreMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquitySmallCapCoreMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Small Cap Core [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquitySmallCapCoreMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquitySmallCapCoreMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Small Cap Core</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquitySmallCapCoreMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquitySmallCapCoreMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanEquitySmallCapCoreMember" xlink:to="lab_fbc_DefinedBenefitPlanEquitySmallCapCoreMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing_131c67a5-2e27-4686-b0a4-8387a05f6e0d_terseLabel_en-US" xlink:label="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accruing</link:label>
    <link:label id="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing_label_en-US" xlink:label="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding, Accrued Interest, Modified In Period, Accruing</link:label>
    <link:label id="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing_documentation_en-US" xlink:label="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding, Accrued Interest, Modified In Period, Accruing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" xlink:to="lab_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive_810fbeb4-97c2-4691-9521-a345784460c9_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2032</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, after Rolling Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SubordinatedNotesMaturingIn2028Member_13b3ebe5-da43-4a58-9283-3a2f61996e80_terseLabel_en-US" xlink:label="lab_fbc_SubordinatedNotesMaturingIn2028Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated notes maturing in 2028</link:label>
    <link:label id="lab_fbc_SubordinatedNotesMaturingIn2028Member_label_en-US" xlink:label="lab_fbc_SubordinatedNotesMaturingIn2028Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Notes Maturing In 2028 [Member]</link:label>
    <link:label id="lab_fbc_SubordinatedNotesMaturingIn2028Member_documentation_en-US" xlink:label="lab_fbc_SubordinatedNotesMaturingIn2028Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Notes Maturing In 2028</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubordinatedNotesMaturingIn2028Member" xlink:href="fbc-20231231.xsd#fbc_SubordinatedNotesMaturingIn2028Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SubordinatedNotesMaturingIn2028Member" xlink:to="lab_fbc_SubordinatedNotesMaturingIn2028Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssets_daa08b06-efef-4a88-a4b7-fe71a7dc1d92_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Amount Presented in the Statements of Condition</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_706b3a28-bc50-49e4-b8ee-9830a0394d09_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative assets</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_label_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssets" xlink:to="lab_us-gaap_DerivativeAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_cf6a1b3f-219e-45ee-b6f6-fcc18d5e39cf_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forfeited (in usd per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_fd5a5676-0f99-4f6e-b840-655920b5ce9c_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesLeasingArrangements" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Leases</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesLeasingArrangements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Leasing Arrangements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesLeasingArrangements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesLeasingArrangements" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_715b7c22-1fb2-44ca-9b63-93ec82e8c0f8_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax expense</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTypeAxis_c916e870-1b86-452d-9305-9889e1eab593_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Axis]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTypeAxis_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeAxis" xlink:to="lab_us-gaap_SubsequentEventTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFinStmtErrorCorrectionFlag_41f51732-b4ce-455c-b359-bdb30204ac8a_terseLabel_en-US" xlink:label="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Financial Statement Error Correction [Flag]</link:label>
    <link:label id="lab_dei_DocumentFinStmtErrorCorrectionFlag_label_en-US" xlink:label="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Financial Statement Error Correction [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFinStmtErrorCorrectionFlag" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFinStmtErrorCorrectionFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFinStmtErrorCorrectionFlag" xlink:to="lab_dei_DocumentFinStmtErrorCorrectionFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_e5634477-0eb5-4bb4-9d11-d08b7a96e46d_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Forfeited (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued_75e96482-97c3-43a3-9dfc-6110db672108_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issued (in shares)</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition, Equity Interest Issued or Issuable, Number of Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" xlink:to="lab_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract_870b63ec-c47a-46b0-9f9c-6f1ad7ab3c8d_terseLabel_en-US" xlink:label="lab_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities:</link:label>
    <link:label id="lab_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract_label_en-US" xlink:label="lab_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Debt [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract" xlink:to="lab_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsAbstract_2f70c439-3145-404a-9efb-39844f960481_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits:</link:label>
    <link:label id="lab_us-gaap_DepositsAbstract_label_en-US" xlink:label="lab_us-gaap_DepositsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsAbstract" xlink:to="lab_us-gaap_DepositsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_212640e9-901b-409c-bb98-8c2b3040320a_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits_06aa4a92-d29c-4b68-b436-1099ca3f27f3_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits_label_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Deposits</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" xlink:to="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_1dc30f57-a7d9-4d99-9461-fc964fa07177_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Lease, Liability, Statement of Financial Position [Extensible List]</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:to="lab_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIIIMember_dd46df11-ee96-4d13-90a3-c22519364ddd_terseLabel_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIIIMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust III</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIIIMember_label_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIIIMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust III [Member]</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIIIMember_documentation_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIIIMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust III</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIIIMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIIIMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarStatutoryTrustIIIMember" xlink:to="lab_fbc_FlagstarStatutoryTrustIIIMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssets_ee3bf379-211a-4319-a0b7-5e27623294bd_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_OtherAssets_label_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssets" xlink:to="lab_us-gaap_OtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_EquitySecuritiesUnrealizedLoss_fb15ebda-b00a-41cb-8f85-d109a2c6b0b7_terseLabel_en-US" xlink:label="lab_fbc_EquitySecuritiesUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Loss</link:label>
    <link:label id="lab_fbc_EquitySecuritiesUnrealizedLoss_label_en-US" xlink:label="lab_fbc_EquitySecuritiesUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities, Unrealized Loss</link:label>
    <link:label id="lab_fbc_EquitySecuritiesUnrealizedLoss_documentation_en-US" xlink:label="lab_fbc_EquitySecuritiesUnrealizedLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity Securities, Unrealized Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquitySecuritiesUnrealizedLoss" xlink:href="fbc-20231231.xsd#fbc_EquitySecuritiesUnrealizedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_EquitySecuritiesUnrealizedLoss" xlink:to="lab_fbc_EquitySecuritiesUnrealizedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember_b0946a96-f821-4a12-befd-6156db5d9ac7_terseLabel_en-US" xlink:label="lab_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rate lock commitments and US Treasury futures</link:label>
    <link:label id="lab_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember_label_en-US" xlink:label="lab_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rate Lock Commitments And U.S. Treasury Futures [Member]</link:label>
    <link:label id="lab_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember_documentation_en-US" xlink:label="lab_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Rate Lock Commitments And U.S. Treasury Futures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember" xlink:href="fbc-20231231.xsd#fbc_RateLockCommitmentsAndUSTreasuryFuturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember" xlink:to="lab_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedCashFlowStatementsCaptionsLineItems_401dbf92-780e-4ee6-a903-00f6ba6638e0_terseLabel_en-US" xlink:label="lab_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedCashFlowStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedCashFlowStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedCashFlowStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_4deacdcb-79c9-4f55-b637-f4547c4a2138_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Prior To 2019</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentsIncorporatedByReferenceTextBlock_9853dcd5-cc49-4fb6-ab83-cad533c26079_terseLabel_en-US" xlink:label="lab_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Documents Incorporated by Reference</link:label>
    <link:label id="lab_dei_DocumentsIncorporatedByReferenceTextBlock_label_en-US" xlink:label="lab_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Documents Incorporated by Reference [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentsIncorporatedByReferenceTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:to="lab_dei_DocumentsIncorporatedByReferenceTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan_f800cd5e-0f48-49db-b553-c04bba1b0f4f_terseLabel_en-US" xlink:label="lab_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average cost to service (per loan)</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan_label_en-US" xlink:label="lab_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Values, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Other Assumption, Per Loan</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan_documentation_en-US" xlink:label="lab_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Values, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Other Assumption, Per Loan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" xlink:to="lab_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentPeriodEndDate_51f672af-ada4-409f-8568-195d112fec91_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_4a56b356-05a8-4fdd-9b4f-10eb664e8fc9_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest , loans and leases held-for-sale</link:label>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_label_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loan and Lease, Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale" xlink:to="lab_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAdditions_d3088f7e-82ca-484d-81af-22693f254a23_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAdditions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions from loans sold with servicing retained</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAdditions_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAdditions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Additions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAdditions" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAdditions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAdditions" xlink:to="lab_us-gaap_ServicingAssetAtFairValueAdditions" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrAdoptionDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adoption Date</link:label>
    <link:label id="lab_ecd_TrdArrAdoptionDate_label_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Adoption Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrAdoptionDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrAdoptionDate" xlink:to="lab_ecd_TrdArrAdoptionDate" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_OtherLoansHeldForInvestmentMember_375a51e7-3445-4b31-a558-4d3eb3a9c7b7_terseLabel_en-US" xlink:label="lab_fbc_OtherLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Loans:</link:label>
    <link:label id="lab_fbc_OtherLoansHeldForInvestmentMember_fabdfab6-0dac-4f9f-b815-844a33aa1527_verboseLabel_en-US" xlink:label="lab_fbc_OtherLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_fbc_OtherLoansHeldForInvestmentMember_cb69e936-23c9-474b-8cea-b17221c76f22_netLabel_en-US" xlink:label="lab_fbc_OtherLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_fbc_OtherLoansHeldForInvestmentMember_label_en-US" xlink:label="lab_fbc_OtherLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Loans Held for Investment [Member]</link:label>
    <link:label id="lab_fbc_OtherLoansHeldForInvestmentMember_documentation_en-US" xlink:label="lab_fbc_OtherLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Loans Held for Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_OtherLoansHeldForInvestmentMember" xlink:to="lab_fbc_OtherLoansHeldForInvestmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditLossAbstract_label_en-US" xlink:label="lab_us-gaap_CreditLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Loss [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditLossAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditLossAbstract" xlink:to="lab_us-gaap_CreditLossAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_CashFlowLesseeAbstract_855d6c9c-ce9f-47bb-b443-3fed13b253da_terseLabel_en-US" xlink:label="lab_fbc_CashFlowLesseeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Flow, Lessee [Abstract]</link:label>
    <link:label id="lab_fbc_CashFlowLesseeAbstract_label_en-US" xlink:label="lab_fbc_CashFlowLesseeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow, Lessee [Abstract]</link:label>
    <link:label id="lab_fbc_CashFlowLesseeAbstract_documentation_en-US" xlink:label="lab_fbc_CashFlowLesseeAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash Flow, Lessee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CashFlowLesseeAbstract" xlink:href="fbc-20231231.xsd#fbc_CashFlowLesseeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_CashFlowLesseeAbstract" xlink:to="lab_fbc_CashFlowLesseeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionProFormaInformationTextBlock_64c92cf8-2e04-4d11-87b3-c2aebbea3b15_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionProFormaInformationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Pro Forma Information</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionProFormaInformationTextBlock_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionProFormaInformationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition, Pro Forma Information [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionProFormaInformationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionProFormaInformationTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationTextBlock" xlink:to="lab_us-gaap_BusinessAcquisitionProFormaInformationTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockCommonMember_ced49ea0-c827-4c0e-beb4-55353f2bdbea_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury Stock, at Cost</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonMember_label_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Common [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockCommonMember" xlink:to="lab_us-gaap_TreasuryStockCommonMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_6c3fe9d4-6c2a-4caf-89f8-9a0659bda683_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification from AOCI</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightAxis_93c4ce3f-52a4-4d6b-8550-775c13b2c345_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right [Axis]</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightAxis_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis" xlink:to="lab_us-gaap_ClassOfWarrantOrRightAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_d27dfe58-f795-410b-ace1-808387b38049_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net gain on sales of fixed assets</link:label>
    <link:label id="lab_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_label_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Disposition of Property Plant Equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="lab_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_aa02a70f-2e6c-43ee-8603-fcc7d657f8f7_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Liabilities</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_23d9ceef-1ffc-4421-b830-2a2cba193908_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax expense</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_6b57f544-0ec4-4656-bf1d-2acafa1d0f6b_negatedLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Income tax benefit</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_f7d6542e-2213-46ef-af1e-5dcdf9d56c8b_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income tax expense reported in net income</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_f933a198-821b-4a79-91eb-82c646fd740e_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Income tax expense</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_86b6dbf1-df46-485b-a222-7a921d56757b_terseLabel_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives designated as cash flow hedging instruments:</link:label>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_label_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Designated as Hedging Instrument [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:to="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_150272c7-d75e-4a46-8bd7-678dfe6f8423_verboseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measures</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmountRollForward_788df19d-6d97-45f6-8756-cb863a854bad_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmountRollForward_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Amount [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:to="lab_us-gaap_ServicingAssetAtFairValueAmountRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendIncomeOperating_cd118904-f8c4-442f-944e-71b8a5084cd9_terseLabel_en-US" xlink:label="lab_us-gaap_DividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends received from subsidiaries</link:label>
    <link:label id="lab_us-gaap_DividendIncomeOperating_label_en-US" xlink:label="lab_us-gaap_DividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend Income, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendIncomeOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendIncomeOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendIncomeOperating" xlink:to="lab_us-gaap_DividendIncomeOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProvisionForLoanLossesExpensed_be98a823-3bb2-432c-8985-ae32ba00609d_terseLabel_en-US" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for credit losses</link:label>
    <link:label id="lab_us-gaap_ProvisionForLoanLossesExpensed_label_en-US" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProvisionForLoanLossesExpensed" xlink:to="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingCostsAndExpenses_8dee4fb5-2406-44ba-84bb-b085480748a3_totalLabel_en-US" xlink:label="lab_us-gaap_OperatingCostsAndExpenses" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total operating expense</link:label>
    <link:label id="lab_us-gaap_OperatingCostsAndExpenses_74879b44-bcbb-4230-a133-ecefe483c9ce_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingCostsAndExpenses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating expenses</link:label>
    <link:label id="lab_us-gaap_OperatingCostsAndExpenses_label_en-US" xlink:label="lab_us-gaap_OperatingCostsAndExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Costs and Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingCostsAndExpenses" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingCostsAndExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingCostsAndExpenses" xlink:to="lab_us-gaap_OperatingCostsAndExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_5f3ce730-8f5a-4a6e-8c42-bc64f89c98e6_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Twelve Months or Longer, Unrealized Loss</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquityAbstract_b0062353-ea95-4243-999b-07c21b1aa73a_terseLabel_en-US" xlink:label="lab_us-gaap_EquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity [Abstract]</link:label>
    <link:label id="lab_us-gaap_EquityAbstract_label_en-US" xlink:label="lab_us-gaap_EquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityAbstract" xlink:to="lab_us-gaap_EquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_GainLossOnSaleOfFinancingReceivableMember_096f4616-7d13-4a46-bd72-12239bfb5604_terseLabel_en-US" xlink:label="lab_fbc_GainLossOnSaleOfFinancingReceivableMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net gain on loan sales</link:label>
    <link:label id="lab_fbc_GainLossOnSaleOfFinancingReceivableMember_label_en-US" xlink:label="lab_fbc_GainLossOnSaleOfFinancingReceivableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Sale of Financing Receivable [Member]</link:label>
    <link:label id="lab_fbc_GainLossOnSaleOfFinancingReceivableMember_documentation_en-US" xlink:label="lab_fbc_GainLossOnSaleOfFinancingReceivableMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the net gain on loan sales.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GainLossOnSaleOfFinancingReceivableMember" xlink:href="fbc-20231231.xsd#fbc_GainLossOnSaleOfFinancingReceivableMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_GainLossOnSaleOfFinancingReceivableMember" xlink:to="lab_fbc_GainLossOnSaleOfFinancingReceivableMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_16a9da90-11b9-40ef-bf3f-f6b1e9881db8_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-sale [Line Items]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:to="lab_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_11cf64d7-6521-4a97-9127-28b219add510_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average remaining lease term</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Weighted Average Remaining Lease Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:to="lab_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_5202e07a-f896-4072-bb3d-47727fe1658f_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_fd5d9eba-3e32-43ad-a1f2-43534bc6051a_terseLabel_en-US" xlink:label="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risks Inherent in Servicing Assets and Servicing Liabilities, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_label_en-US" xlink:label="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risks Inherent in Servicing Assets and Servicing Liabilities, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:to="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_ca0f7f03-e11e-46da-9e5a-79d19976f984_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock dividends</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock Dividends, Income Statement Impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:to="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_c47426e8-f4eb-42dd-90a5-1990a3347eab_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amortization of net actuarial loss</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Amortization of Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:to="lab_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock_760a91df-589d-404f-9c02-54ed3eeb0371_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Performance-Based Restricted Stock Activity</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Performance Shares, Activity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock" xlink:to="lab_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_75db66c7-4b7a-494c-938c-b8c92e4fcbb6_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less than Twelve Months, Unrealized Loss</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_6c65a3be-6497-422a-a101-97dd398082b6_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SharesIssuedPricePerShareSplitAdjustedBasis_ae12e1a7-ef43-4fcf-a940-787c0ccf93bd_terseLabel_en-US" xlink:label="lab_fbc_SharesIssuedPricePerShareSplitAdjustedBasis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issued price per share split adjusted basis (in usd per share)</link:label>
    <link:label id="lab_fbc_SharesIssuedPricePerShareSplitAdjustedBasis_label_en-US" xlink:label="lab_fbc_SharesIssuedPricePerShareSplitAdjustedBasis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Issued Price Per Share Split Adjusted Basis</link:label>
    <link:label id="lab_fbc_SharesIssuedPricePerShareSplitAdjustedBasis_documentation_en-US" xlink:label="lab_fbc_SharesIssuedPricePerShareSplitAdjustedBasis" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Shares Issued Price Per Share Split Adjusted Basis</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SharesIssuedPricePerShareSplitAdjustedBasis" xlink:href="fbc-20231231.xsd#fbc_SharesIssuedPricePerShareSplitAdjustedBasis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SharesIssuedPricePerShareSplitAdjustedBasis" xlink:to="lab_fbc_SharesIssuedPricePerShareSplitAdjustedBasis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_e6962ee5-abec-4272-9724-e34a7768db13_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Affordable housing tax credit amortization</link:label>
    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_label_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization Method Qualified Affordable Housing Project Investments, Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:to="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_b1b0c5f3-8f68-4f89-9896-6b9443c0f09b_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock_d8982c82-b8e5-4623-bd5a-b726bfa97016_terseLabel_en-US" xlink:label="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Quality of Loans Held for Investment</link:label>
    <link:label id="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Past Due [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:to="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_5dfd1283-1a75-4fad-ae8c-f83f4d242416_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected rate of return on plan assets</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-Term Rate of Return on Plan Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:to="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_FederalHomeLoanBankOfNewYorkMember_c560715c-2f6b-46aa-9d69-de0601cb3d59_terseLabel_en-US" xlink:label="lab_srt_FederalHomeLoanBankOfNewYorkMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank of New York</link:label>
    <link:label id="lab_srt_FederalHomeLoanBankOfNewYorkMember_label_en-US" xlink:label="lab_srt_FederalHomeLoanBankOfNewYorkMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank of New York [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankOfNewYorkMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankOfNewYorkMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_FederalHomeLoanBankOfNewYorkMember" xlink:to="lab_srt_FederalHomeLoanBankOfNewYorkMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances_502478bd-0639-45af-bf15-b6dde51d8cef_terseLabel_en-US" xlink:label="lab_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank and Federal Reserve Bank advances</link:label>
    <link:label id="lab_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances_label_en-US" xlink:label="lab_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank And Federal Reserve Bank Advances</link:label>
    <link:label id="lab_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances_documentation_en-US" xlink:label="lab_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank And Federal Reserve Bank Advances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAndFederalReserveBankAdvances"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances" xlink:to="lab_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAsset_05ab62bd-8a7f-41ce-bd14-1e48e37f4965_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage servicing rights</link:label>
    <link:label id="lab_us-gaap_ServicingAsset_label_en-US" xlink:label="lab_us-gaap_ServicingAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAsset" xlink:to="lab_us-gaap_ServicingAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesTextBlock_b098fec3-0cf9-4712-9fbf-bae500e992fe_terseLabel_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Unrealized Loss Positions on Investment Securities Held-to-Maturity</link:label>
    <link:label id="lab_us-gaap_HeldToMaturitySecuritiesTextBlock_label_en-US" xlink:label="lab_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Held-to-Maturity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:to="lab_us-gaap_HeldToMaturitySecuritiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets_393e1f54-739c-4a68-86e7-8dea331ef4ba_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CDI and other intangible assets</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets_label_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Core Deposit And Other Intangible Assets</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Core Deposit And Other Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" xlink:to="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockSharesAcquired_0d78359e-31aa-4f33-a365-472b06a8f854_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockSharesAcquired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock, acquired, shares (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockSharesAcquired_label_en-US" xlink:label="lab_us-gaap_TreasuryStockSharesAcquired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Shares, Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockSharesAcquired" xlink:to="lab_us-gaap_TreasuryStockSharesAcquired" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable_bbdd879f-8eda-41f8-81ee-cdfa1f310bec_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:to="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_bb222b4c-f5e8-4186-a34a-b75cd209fae7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Pension liability adjustments</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_67d47a69-40db-4e1c-ac41-b87efc637669_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable rate on spread</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Basis Spread on Variable Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:to="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_1ee013e3-a110-4817-8b3a-998c2926baf4_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non- Accrual Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Nonaccrual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife_84defc5b-92be-4ded-9b3a-f9a2f449daf7_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated useful lives</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Useful Life</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Other Measure</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Other Measure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_de193831-c180-4fbf-a265-d6e0df793128_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount rate</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:to="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsFairValueDisclosure_844ae15a-c7bc-449e-8b1b-d37ed3a15a86_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_DepositsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_DepositsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsFairValueDisclosure" xlink:to="lab_us-gaap_DepositsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarBancorpMember_90f175da-e2ab-427e-a8c7-f1085e98db90_terseLabel_en-US" xlink:label="lab_fbc_FlagstarBancorpMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Bancorp</link:label>
    <link:label id="lab_fbc_FlagstarBancorpMember_label_en-US" xlink:label="lab_fbc_FlagstarBancorpMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Bancorp [Member]</link:label>
    <link:label id="lab_fbc_FlagstarBancorpMember_documentation_en-US" xlink:label="lab_fbc_FlagstarBancorpMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Bancorp</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarBancorpMember" xlink:to="lab_fbc_FlagstarBancorpMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate_893db143-a5ee-48b4-b96b-3883c7caa7fd_terseLabel_en-US" xlink:label="lab_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, dividend rate, basis spread on variable rate</link:label>
    <link:label id="lab_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate_label_en-US" xlink:label="lab_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Dividend Rate, Basis Spread On Variable Rate</link:label>
    <link:label id="lab_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate_documentation_en-US" xlink:label="lab_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Preferred Stock, Dividend Rate, Basis Spread On Variable Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate" xlink:href="fbc-20231231.xsd#fbc_PreferredStockDividendRateBasisSpreadOnVariableRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate" xlink:to="lab_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherCommitment_fdbb6315-4a9c-4eea-a178-2348fd5fb8b5_terseLabel_en-US" xlink:label="lab_us-gaap_OtherCommitment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments</link:label>
    <link:label id="lab_us-gaap_OtherCommitment_label_en-US" xlink:label="lab_us-gaap_OtherCommitment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitment" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherCommitment" xlink:to="lab_us-gaap_OtherCommitment" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVMember_9864ab24-159c-450c-81fa-8c9d770c05b7_terseLabel_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust V</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVMember_label_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust V [Member]</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustVMember_documentation_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustVMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust V</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarStatutoryTrustVMember" xlink:to="lab_fbc_FlagstarStatutoryTrustVMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperating_bddf0323-fa13-44f3-952e-0a6e9e449256_totalLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total interest income</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperating_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating" xlink:to="lab_us-gaap_InterestAndDividendIncomeOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_a4f5d2aa-e4e3-42c5-94b1-803fa377bca1_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2021</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_3e3a0e57-62b0-4869-80c8-27f44bad6627_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre- Modification Recorded Investment</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring, Premodification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:to="lab_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread_ec0627db-6e4c-4887-8625-171f2e7412b1_terseLabel_en-US" xlink:label="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Option adjusted spread (percent)</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread_label_en-US" xlink:label="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Option Adjusted Spread</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread_documentation_en-US" xlink:label="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Option Adjusted Spread</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" xlink:to="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_85ae2a96-43f0-46be-918d-042c59b9f561_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrecognized tax benefit decrease</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Decrease Resulting from Settlements with Taxing Authorities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_aec41a8e-3624-4254-9577-27a96fad6862_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Post- Modification Recorded Investment</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified in Period, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:to="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseDemandDepositAccounts_d1c3dc37-f69f-4a7f-ace9-94447e5f9674_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseDemandDepositAccounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing checking and money market accounts</link:label>
    <link:label id="lab_us-gaap_InterestExpenseDemandDepositAccounts_label_en-US" xlink:label="lab_us-gaap_InterestExpenseDemandDepositAccounts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Demand Deposit Accounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDemandDepositAccounts" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseDemandDepositAccounts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseDemandDepositAccounts" xlink:to="lab_us-gaap_InterestExpenseDemandDepositAccounts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOfAssetsAcquired_72dac04e-40bf-4329-9360-ec1788b3091a_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOfAssetsAcquired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of tangible assets acquired</link:label>
    <link:label id="lab_us-gaap_FairValueOfAssetsAcquired_label_en-US" xlink:label="lab_us-gaap_FairValueOfAssetsAcquired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value of Assets Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfAssetsAcquired" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOfAssetsAcquired"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOfAssetsAcquired" xlink:to="lab_us-gaap_FairValueOfAssetsAcquired" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdditionalPaidInCapitalMember_96ea95eb-0ee6-410c-a887-82bd584f39a1_verboseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Paid-in Capital in excess of Par</link:label>
    <link:label id="lab_us-gaap_AdditionalPaidInCapitalMember_028a9ff1-ce0b-4b28-84b0-a5dc404c7c23_terseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional Paid-in Capital [Member]</link:label>
    <link:label id="lab_us-gaap_AdditionalPaidInCapitalMember_label_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Paid-in Capital [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:to="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentAnnualReport_abde985d-a2db-4125-8358-161578cf931b_terseLabel_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Annual Report</link:label>
    <link:label id="lab_dei_DocumentAnnualReport_label_en-US" xlink:label="lab_dei_DocumentAnnualReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Annual Report</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAnnualReport" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentAnnualReport"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentAnnualReport" xlink:to="lab_dei_DocumentAnnualReport" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BankingRegulationTier1LeverageCapitalExcessRatio_54013be7-356b-4705-9dbf-fd05bed0d012_terseLabel_en-US" xlink:label="lab_fbc_BankingRegulationTier1LeverageCapitalExcessRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess, ratio</link:label>
    <link:label id="lab_fbc_BankingRegulationTier1LeverageCapitalExcessRatio_label_en-US" xlink:label="lab_fbc_BankingRegulationTier1LeverageCapitalExcessRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital, Excess Ratio</link:label>
    <link:label id="lab_fbc_BankingRegulationTier1LeverageCapitalExcessRatio_documentation_en-US" xlink:label="lab_fbc_BankingRegulationTier1LeverageCapitalExcessRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital, Excess Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankingRegulationTier1LeverageCapitalExcessRatio" xlink:href="fbc-20231231.xsd#fbc_BankingRegulationTier1LeverageCapitalExcessRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BankingRegulationTier1LeverageCapitalExcessRatio" xlink:to="lab_fbc_BankingRegulationTier1LeverageCapitalExcessRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BalanceSheetLocationAxis_783dba09-1826-47d6-b507-88cda688c1ba_terseLabel_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balance Sheet Location [Axis]</link:label>
    <link:label id="lab_us-gaap_BalanceSheetLocationAxis_label_en-US" xlink:label="lab_us-gaap_BalanceSheetLocationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Balance Sheet Location [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BalanceSheetLocationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BalanceSheetLocationAxis" xlink:to="lab_us-gaap_BalanceSheetLocationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesDeferredLoanFees_6c421029-6c06-442b-b95e-0fde0cb70461_negatedTerseLabel_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesDeferredLoanFees" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Deferred Loan fees</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesDeferredLoanFees_label_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesDeferredLoanFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Deferred Loan Fees</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesDeferredLoanFees_documentation_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesDeferredLoanFees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Deferred Loan Fees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesDeferredLoanFees" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesDeferredLoanFees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxLiabilitiesDeferredLoanFees" xlink:to="lab_fbc_DeferredTaxLiabilitiesDeferredLoanFees" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherLiabilitiesMember_5476331c-46a2-4bfd-a089-8d9c071231c3_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Liabilities</link:label>
    <link:label id="lab_us-gaap_OtherLiabilitiesMember_label_en-US" xlink:label="lab_us-gaap_OtherLiabilitiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Liabilities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilitiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLiabilitiesMember" xlink:to="lab_us-gaap_OtherLiabilitiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables_d0aa0a72-05ec-44dc-a5b4-ee5f209fe576_terseLabel_en-US" xlink:label="lab_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other changes in loans, net</link:label>
    <link:label id="lab_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables_label_en-US" xlink:label="lab_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments For (Proceeds From) Other Changes In Financing Receivables</link:label>
    <link:label id="lab_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables_documentation_en-US" xlink:label="lab_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payments For (Proceeds From) Other Changes In Financing Receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables" xlink:href="fbc-20231231.xsd#fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables" xlink:to="lab_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RestatementAxis_39cc16e7-55ad-4245-9cc2-644ab56fa41d_terseLabel_en-US" xlink:label="lab_srt_RestatementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Axis]</link:label>
    <link:label id="lab_srt_RestatementAxis_label_en-US" xlink:label="lab_srt_RestatementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RestatementAxis" xlink:to="lab_srt_RestatementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_1f35bc72-e9cf-4cd0-afc0-8ae716376db4_terseLabel_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_00e9d046-bc7b-42fb-abc8-f4b9d681f6de_terseLabel_en-US" xlink:label="lab_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized gain on cash flow hedges, net of tax of $(6) and $(20), respectively</link:label>
    <link:label id="lab_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_label_en-US" xlink:label="lab_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI, Cash Flow Hedge, Cumulative Gain (Loss), after Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax" xlink:to="lab_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventsTextBlock_ded3ee73-0861-4c6e-932c-20140edbe5b7_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Events</link:label>
    <link:label id="lab_us-gaap_SubsequentEventsTextBlock_label_en-US" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Events [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsTextBlock" xlink:to="lab_us-gaap_SubsequentEventsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsRecurringMember_cff7d13b-46eb-4ffc-a290-98a335d92bb9_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsRecurringMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recurring</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsRecurringMember_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsRecurringMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsRecurringMember" xlink:to="lab_us-gaap_FairValueMeasurementsRecurringMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExcessTierOneRiskBasedCapital_41602469-7a66-402f-b5b0-97de20081811_terseLabel_en-US" xlink:label="lab_us-gaap_ExcessTierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess, amount</link:label>
    <link:label id="lab_us-gaap_ExcessTierOneRiskBasedCapital_label_en-US" xlink:label="lab_us-gaap_ExcessTierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital, Excess, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessTierOneRiskBasedCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessTierOneRiskBasedCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExcessTierOneRiskBasedCapital" xlink:to="lab_us-gaap_ExcessTierOneRiskBasedCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NetChangeInReceivableFromSubsidiaries_079715ba-109a-4348-9e26-41f8bc11b816_negatedTerseLabel_en-US" xlink:label="lab_fbc_NetChangeInReceivableFromSubsidiaries" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Change in receivable from subsidiaries, net</link:label>
    <link:label id="lab_fbc_NetChangeInReceivableFromSubsidiaries_label_en-US" xlink:label="lab_fbc_NetChangeInReceivableFromSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Change In Receivable From Subsidiaries</link:label>
    <link:label id="lab_fbc_NetChangeInReceivableFromSubsidiaries_documentation_en-US" xlink:label="lab_fbc_NetChangeInReceivableFromSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Change In Receivable From Subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetChangeInReceivableFromSubsidiaries" xlink:href="fbc-20231231.xsd#fbc_NetChangeInReceivableFromSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NetChangeInReceivableFromSubsidiaries" xlink:to="lab_fbc_NetChangeInReceivableFromSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_d64f974a-7b18-4514-b99c-1c5259f3f300_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Inputs, Assets, Quantitative Information</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_a7eece11-47eb-4a47-b001-6a440bc6c62d_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Guarantor Obligations</link:label>
    <link:label id="lab_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Guarantor Obligations [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfGuaranteeObligationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:to="lab_us-gaap_ScheduleOfGuaranteeObligationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_a3d62aa3-3b1a-443f-90f5-9afda1108b85_totalLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total lease payments</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_9bcb1594-9bf9-402d-83e9-9bd5b7967f2f_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">2019</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesBorrowedAbstract_aec5702e-d74b-4be8-b04b-fbd8991837f7_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesBorrowedAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Borrowed funds:</link:label>
    <link:label id="lab_us-gaap_SecuritiesBorrowedAbstract_label_en-US" xlink:label="lab_us-gaap_SecuritiesBorrowedAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securities Borrowed [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritiesBorrowedAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesBorrowedAbstract" xlink:to="lab_us-gaap_SecuritiesBorrowedAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_91e37336-ae0e-41a1-af89-c8d96d8ebb44_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases / Originations</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalAbstract_78e69711-082e-495e-bdef-1cb7d126c994_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leverage Capital</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalAbstract_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract" xlink:to="lab_us-gaap_TierOneLeverageCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashFlowHedgingMember_0dc59aa2-e1fa-4943-8da5-a0807081d9d5_terseLabel_en-US" xlink:label="lab_us-gaap_CashFlowHedgingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedging</link:label>
    <link:label id="lab_us-gaap_CashFlowHedgingMember_label_en-US" xlink:label="lab_us-gaap_CashFlowHedgingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow Hedging [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashFlowHedgingMember" xlink:to="lab_us-gaap_CashFlowHedgingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification_c5c2e18d-5625-4e53-9c67-40cdef63212c_terseLabel_en-US" xlink:label="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate reduction, weighted-average contractual interest rate, after modification</link:label>
    <link:label id="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification_label_en-US" xlink:label="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Weighted Average Interest Rate After Modification</link:label>
    <link:label id="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification_documentation_en-US" xlink:label="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Weighted Average Interest Rate After Modification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification" xlink:to="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsNumberOfContracts2_87fba870-c241-4063-8f92-1ccae83a54df_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsNumberOfContracts2_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modifications, Number of Contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:to="lab_us-gaap_FinancingReceivableModificationsNumberOfContracts2" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_7ce29484-a047-4931-9729-f4c257285fde_totalLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net increase in cash, cash equivalents and restricted cash</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_1a4c352e-7e38-4038-b878-3ff57b0ba70a_terseLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net increase (decrease) in cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetsAtFairValueLineItems_d57c30fa-7e62-406a-9929-a1f73a7523ec_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetsAtFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Assets at Fair Value [Line Items]</link:label>
    <link:label id="lab_us-gaap_ServicingAssetsAtFairValueLineItems_label_en-US" xlink:label="lab_us-gaap_ServicingAssetsAtFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets at Fair Value [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems" xlink:to="lab_us-gaap_ServicingAssetsAtFairValueLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquityComponentDomain_dcf44492-7f35-479f-9835-89253661f348_terseLabel_en-US" xlink:label="lab_us-gaap_EquityComponentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Component [Domain]</link:label>
    <link:label id="lab_us-gaap_EquityComponentDomain_label_en-US" xlink:label="lab_us-gaap_EquityComponentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Component [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityComponentDomain" xlink:to="lab_us-gaap_EquityComponentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities_7fa87ac8-6e37-4bd0-84ec-7b6fd31e461e_negatedTerseLabel_en-US" xlink:label="lab_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net disbursement of payments of loans serviced for others</link:label>
    <link:label id="lab_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities_label_en-US" xlink:label="lab_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Disbursement Of payments Of Loans Serviced For Others, Financing Activities</link:label>
    <link:label id="lab_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities_documentation_en-US" xlink:label="lab_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Disbursement Of payments Of Loans Serviced For Others, Financing Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" xlink:href="fbc-20231231.xsd#fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" xlink:to="lab_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAssetsTableTextBlock_f906ac63-1dd7-4b5b-a206-b7df6b70732f_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting Assets</link:label>
    <link:label id="lab_us-gaap_OffsettingAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAssetsTableTextBlock" xlink:to="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesOtherMember_1284a613-a080-4550-9599-36e7016e30d8_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesOtherMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed securities forwards</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesOtherMember_8247a7fc-96ad-4cae-9ea9-5483f5a319df_verboseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesOtherMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed securities forwards</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesOtherMember_label_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesOtherMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage-Backed Securities, Other [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageBackedSecuritiesOtherMember" xlink:to="lab_us-gaap_MortgageBackedSecuritiesOtherMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonGaapMeasureDescriptionTextBlock_terseLabel_en-US" xlink:label="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-GAAP Measure Description</link:label>
    <link:label id="lab_ecd_NonGaapMeasureDescriptionTextBlock_label_en-US" xlink:label="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-GAAP Measure Description [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:to="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesOther_e28959a2-1913-406d-b562-8a556e9eac5c_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesOther" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesOther_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesOther" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Other</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesOther" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesOther"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesOther" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesOther" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCurrentReportingStatus_43970c3d-0102-4916-b77c-9163ffa7f8f2_terseLabel_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:label id="lab_dei_EntityCurrentReportingStatus_label_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCurrentReportingStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCurrentReportingStatus" xlink:to="lab_dei_EntityCurrentReportingStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAssetsLineItems_dee24c15-f449-4db6-a94e-831c20f8bf00_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Line Items]</link:label>
    <link:label id="lab_us-gaap_OffsettingAssetsLineItems_label_en-US" xlink:label="lab_us-gaap_OffsettingAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAssetsLineItems" xlink:to="lab_us-gaap_OffsettingAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear_5cf4a1b0-de4a-4cb2-8d25-ddb813eecc05_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Amortization, Next Fiscal Year</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Amortization, Next Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear" xlink:to="lab_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_38dbc092-c912-4d25-b18b-4d1886c94930_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash &amp; cash equivalents</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Cash And Cash Equivalents</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Cash And Cash Equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_73391ba8-7c01-4d9f-af00-0c97430ddca3_terseLabel_en-US" xlink:label="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing checking and money market accounts</link:label>
    <link:label id="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_label_en-US" xlink:label="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Interest-Bearing Domestic Deposits to Deposits, Money Market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket" xlink:to="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_02d7ddf5-3def-4d30-9b38-8f20eb8b3eca_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonaccrual loans with an allowance recorded - Recorded Investment</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Financing Receivable, with Related Allowance, Recorded Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:to="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease_c5ceb813-ee54-4301-b1a5-5fe08b232383_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation increase percentage</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:to="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnOilAndGasHedgingActivity_750102d1-b6a9-4fb1-a9c9-38554f6e24eb_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnOilAndGasHedgingActivity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain on MSR derivatives</link:label>
    <link:label id="lab_us-gaap_GainLossOnOilAndGasHedgingActivity_label_en-US" xlink:label="lab_us-gaap_GainLossOnOilAndGasHedgingActivity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Hedging Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnOilAndGasHedgingActivity" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnOilAndGasHedgingActivity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnOilAndGasHedgingActivity" xlink:to="lab_us-gaap_GainLossOnOilAndGasHedgingActivity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LessorDirectFinancingLeasesTextBlock_de557870-7f5e-48e5-9f51-e9128c5442e3_terseLabel_en-US" xlink:label="lab_us-gaap_LessorDirectFinancingLeasesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leases</link:label>
    <link:label id="lab_us-gaap_LessorDirectFinancingLeasesTextBlock_label_en-US" xlink:label="lab_us-gaap_LessorDirectFinancingLeasesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessor, Direct Financing Leases [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorDirectFinancingLeasesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorDirectFinancingLeasesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LessorDirectFinancingLeasesTextBlock" xlink:to="lab_us-gaap_LessorDirectFinancingLeasesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount_0c61da19-1cde-4640-9bf2-941b058fbfc1_terseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unearned income</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount_415cd5c7-8568-48c5-90b1-f5c7dc0e8c7b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Less: unearned income</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-type and Direct Financing Leases, Lease Receivable, Undiscounted Excess Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LessorLeasesPolicyTextBlock_92670004-2e8e-459b-b434-13a895ce7a0d_terseLabel_en-US" xlink:label="lab_us-gaap_LessorLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lessor Arrangements</link:label>
    <link:label id="lab_us-gaap_LessorLeasesPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_LessorLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessor, Leases [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorLeasesPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorLeasesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LessorLeasesPolicyTextBlock" xlink:to="lab_us-gaap_LessorLeasesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredIncomeTaxLiabilities_e83ada7d-a8bf-4dcb-ba55-90acbe2e047f_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Gross deferred tax liabilities</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxLiabilities_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxLiabilities" xlink:to="lab_us-gaap_DeferredIncomeTaxLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_37ca6166-9f31-46bc-8201-dbbce7f5172b_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesDomain" xlink:to="lab_srt_ConsolidatedEntitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubordinatedDebt_25397b7f-c7c0-4b77-95b1-93dc30f352ed_terseLabel_en-US" xlink:label="lab_us-gaap_SubordinatedDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated notes</link:label>
    <link:label id="lab_us-gaap_SubordinatedDebt_label_en-US" xlink:label="lab_us-gaap_SubordinatedDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubordinatedDebt" xlink:to="lab_us-gaap_SubordinatedDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_c406961c-50a1-491a-af2a-9acdfa1dd9e0_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for (recovery of) credit losses on loans and leases</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification_2d828b4a-a1e3-4297-ab26-748d83d3e467_terseLabel_en-US" xlink:label="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate reduction, weighted-average contractual interest rate, prior to modification</link:label>
    <link:label id="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification_label_en-US" xlink:label="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Weighted Average Interest Rate Prior To Modification</link:label>
    <link:label id="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification_documentation_en-US" xlink:label="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Weighted Average Interest Rate Prior To Modification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification" xlink:to="lab_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFive_14d9c6cb-24d8-48fa-ad3e-bced3cc19f0d_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 4 years through 5 years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFive_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearFive" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_23a4bb13-8f22-4a8c-8218-41ecc8adc422_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities available-for-sale</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Available-for-Sale Securities, Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_80f352f3-0aae-489b-9fd3-26094fee115e_verboseLabel_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Estimated Fair Value</link:label>
    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimate of Fair Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_5d8df280-6ccf-4fc6-8f42-ea09c239639b_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Premises and Equipment, Net</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarStatutoryTrustXMember_5ec93b82-e764-4f47-ac23-36c8b846c52b_terseLabel_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustXMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust X</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustXMember_label_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustXMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust X [Member]</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustXMember_documentation_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustXMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust X</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustXMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustXMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarStatutoryTrustXMember" xlink:to="lab_fbc_FlagstarStatutoryTrustXMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax_03086d9f-c7b1-4175-934f-da1d98695a20_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustment for defined benefit pension plan, net of tax of $(1); $&#8212; and $(2), respectively</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, after Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScenarioUnspecifiedDomain_879b7c3e-c24c-4eb3-81ab-8850a723b0a6_terseLabel_en-US" xlink:label="lab_srt_ScenarioUnspecifiedDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Scenario [Domain]</link:label>
    <link:label id="lab_srt_ScenarioUnspecifiedDomain_label_en-US" xlink:label="lab_srt_ScenarioUnspecifiedDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Scenario [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScenarioUnspecifiedDomain" xlink:to="lab_srt_ScenarioUnspecifiedDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Disqualification of Tax Benefits, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Disqualification of Tax Benefits, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesMember_de544e2a-0c41-496d-bb69-b10cf35a2ac4_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage- Related Securities</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesMember_bc2e9a53-b766-4d3b-9df0-1f8e4d22fcd2_verboseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-related Debt Securities Available for Sale:</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateralized Mortgage-Backed Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember" xlink:to="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue_24e2c819-db2f-4dfe-aa0e-85f8372a85f3_totalLabel_en-US" xlink:label="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Outstanding Amount</link:label>
    <link:label id="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue_label_en-US" xlink:label="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Current Carrying Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:to="lab_us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_da998fc4-f0be-4bc1-b6ec-3cbd4c7f2275_terseLabel_en-US" xlink:label="lab_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Furniture, fixtures and equipment, and building improvements</link:label>
    <link:label id="lab_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_label_en-US" xlink:label="lab_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Furniture, Fixtures and Equipment, Building Improvements [Member]</link:label>
    <link:label id="lab_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_documentation_en-US" xlink:label="lab_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Furniture, Fixtures and Equipment, Building Improvements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember" xlink:href="fbc-20231231.xsd#fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember" xlink:to="lab_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_InterestInPreferredStock_9ee9dba8-12ae-4fbe-83bb-d12571dca09e_terseLabel_en-US" xlink:label="lab_fbc_InterestInPreferredStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest in preferred stock</link:label>
    <link:label id="lab_fbc_InterestInPreferredStock_label_en-US" xlink:label="lab_fbc_InterestInPreferredStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest In Preferred Stock</link:label>
    <link:label id="lab_fbc_InterestInPreferredStock_documentation_en-US" xlink:label="lab_fbc_InterestInPreferredStock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Depositary share interest in a share of our Fixed-to-Floating Rate Non-cumulative Perpetual Preferred Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestInPreferredStock" xlink:href="fbc-20231231.xsd#fbc_InterestInPreferredStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_InterestInPreferredStock" xlink:to="lab_fbc_InterestInPreferredStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_b4205952-98a9-4396-baf7-b93450142c21_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments Owned and Pledged as Collateral [Line Items]</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments Owned and Pledged as Collateral [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:to="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIXMember_0ba67796-4ce4-445a-87c8-dfbd18d5b0e1_terseLabel_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIXMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust IX</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIXMember_label_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIXMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust IX [Member]</link:label>
    <link:label id="lab_fbc_FlagstarStatutoryTrustIXMember_documentation_en-US" xlink:label="lab_fbc_FlagstarStatutoryTrustIXMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Flagstar Statutory Trust IX</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIXMember" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIXMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FlagstarStatutoryTrustIXMember" xlink:to="lab_fbc_FlagstarStatutoryTrustIXMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositBrokered_4a0f9042-53ed-49ba-bda0-0eb7f47d15a7_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositBrokered" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokered deposits</link:label>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositBrokered_label_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositBrokered" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Domestic Deposit, Brokered</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositBrokered" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDomesticDepositBrokered"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDomesticDepositBrokered" xlink:to="lab_us-gaap_InterestBearingDomesticDepositBrokered" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsMoneyMarketDeposits_a72d4562-2106-4af1-8122-952fbe8bb27c_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsMoneyMarketDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing checking and money market accounts</link:label>
    <link:label id="lab_us-gaap_DepositsMoneyMarketDeposits_label_en-US" xlink:label="lab_us-gaap_DepositsMoneyMarketDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Money Market Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsMoneyMarketDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsMoneyMarketDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsMoneyMarketDeposits" xlink:to="lab_us-gaap_DepositsMoneyMarketDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityLargeCapValueMember_6822ba52-ed7b-4bec-8771-2189a2df2ee7_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityLargeCapValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Large-cap value</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityLargeCapValueMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityLargeCapValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Large Cap Value [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityLargeCapValueMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityLargeCapValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Large Cap Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityLargeCapValueMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityLargeCapValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanEquityLargeCapValueMember" xlink:to="lab_fbc_DefinedBenefitPlanEquityLargeCapValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember_1c08aff2-b8f2-4988-bb58-656bbf2d7a28_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-U.S.</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity Securities, Non-US [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember" xlink:to="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_3c5da3e5-413b-4098-9b66-f58a377f4558_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revolving Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Revolving</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_7f4a9e5c-496b-4955-a1fc-29771fb3440c_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesAxis" xlink:to="lab_srt_ConsolidatedEntitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableRateDomain_a5bd58e1-3405-47f6-bc44-1ad4c577f08c_terseLabel_en-US" xlink:label="lab_us-gaap_VariableRateDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Rate [Domain]</link:label>
    <link:label id="lab_us-gaap_VariableRateDomain_label_en-US" xlink:label="lab_us-gaap_VariableRateDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Rate [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableRateDomain" xlink:to="lab_us-gaap_VariableRateDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PayVsPerformanceDisclosureLineItems_label_en-US" xlink:label="lab_ecd_PayVsPerformanceDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="lab_ecd_PayVsPerformanceDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_LoanAdministrationIncomeExpense_99b79493-f454-412b-b75f-4caba0e25884_verboseLabel_en-US" xlink:label="lab_fbc_LoanAdministrationIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net loan administration income</link:label>
    <link:label id="lab_fbc_LoanAdministrationIncomeExpense_label_en-US" xlink:label="lab_fbc_LoanAdministrationIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Administration Income (Expense)</link:label>
    <link:label id="lab_fbc_LoanAdministrationIncomeExpense_documentation_en-US" xlink:label="lab_fbc_LoanAdministrationIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan Administration Income (Expense)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LoanAdministrationIncomeExpense" xlink:href="fbc-20231231.xsd#fbc_LoanAdministrationIncomeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_LoanAdministrationIncomeExpense" xlink:to="lab_fbc_LoanAdministrationIncomeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityVoluntaryFilers_ffef1a93-88af-4b21-8655-753e469f0c8a_terseLabel_en-US" xlink:label="lab_dei_EntityVoluntaryFilers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Voluntary Filers</link:label>
    <link:label id="lab_dei_EntityVoluntaryFilers_label_en-US" xlink:label="lab_dei_EntityVoluntaryFilers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Voluntary Filers</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityVoluntaryFilers" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityVoluntaryFilers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityVoluntaryFilers" xlink:to="lab_dei_EntityVoluntaryFilers" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_f9adeafd-0e19-45d1-b780-92023845c6b1_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans 90 days or greater past due and still accruing</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RangeMember_ec12a133-948f-4d5b-b1e6-55c065824251_terseLabel_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
    <link:label id="lab_srt_RangeMember_label_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RangeMember" xlink:to="lab_srt_RangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilityNotionalAmount_be173c44-ad67-46e5-9488-4b3d6c6b2c86_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notional Amount</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilityNotionalAmount_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Notional Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotionalAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityNotionalAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilityNotionalAmount" xlink:to="lab_us-gaap_DerivativeLiabilityNotionalAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock_5966d4c0-1384-4571-be7f-da2d0cc6f21d_terseLabel_en-US" xlink:label="lab_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Loans and Leases Purchased as Part of Acquisition</link:label>
    <link:label id="lab_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock_label_en-US" xlink:label="lab_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased With Credit Deterioration [Table Text Block]</link:label>
    <link:label id="lab_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock_documentation_en-US" xlink:label="lab_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased With Credit Deterioration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" xlink:to="lab_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_terseLabel_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change</link:label>
    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_label_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:to="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CorporateNoteSecuritiesMember_9f1c81fc-fefb-490f-a9f4-6b99be8e1e6a_terseLabel_en-US" xlink:label="lab_us-gaap_CorporateNoteSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital trust notes</link:label>
    <link:label id="lab_us-gaap_CorporateNoteSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_CorporateNoteSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Note Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNoteSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateNoteSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CorporateNoteSecuritiesMember" xlink:to="lab_us-gaap_CorporateNoteSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_5ca1b805-1ea8-4d5d-9694-cb089c4e1b85_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash &amp; cash equivalents</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes_59643f03-9dc5-4dc4-839f-20e44c5969f4_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement period adjustments, excluding taxes</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Measurement Period Adjustments, Excluding Taxes</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Measurement Period Adjustments, Excluding Taxes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockLiquidationPreference_a82052f7-335e-4600-a029-d48d5b08db97_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockLiquidationPreference" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, liquidation preference per share (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockLiquidationPreference_label_en-US" xlink:label="lab_us-gaap_PreferredStockLiquidationPreference" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Liquidation Preference Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockLiquidationPreference" xlink:to="lab_us-gaap_PreferredStockLiquidationPreference" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans_b5ed22f0-7359-4dd1-aa78-0bd05222ebb3_terseLabel_en-US" xlink:label="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition accounting and fair value adjustments on loans</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans_label_en-US" xlink:label="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Loans</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans_documentation_en-US" xlink:label="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" xlink:to="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo_4a2af8f9-f3c7-4066-8847-72cf529c6b1c_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances, Weighted Average Interest Rate, Maturing in Rolling Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BankOwnedLifeInsurancePolicyTextBlock_3ffba2ae-3c4b-4727-b544-51f66f66d5ce_terseLabel_en-US" xlink:label="lab_fbc_BankOwnedLifeInsurancePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bank-Owned Life Insurance</link:label>
    <link:label id="lab_fbc_BankOwnedLifeInsurancePolicyTextBlock_label_en-US" xlink:label="lab_fbc_BankOwnedLifeInsurancePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank-Owned Life Insurance [Policy Text Block]</link:label>
    <link:label id="lab_fbc_BankOwnedLifeInsurancePolicyTextBlock_documentation_en-US" xlink:label="lab_fbc_BankOwnedLifeInsurancePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Bank-Owned Life Insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankOwnedLifeInsurancePolicyTextBlock" xlink:href="fbc-20231231.xsd#fbc_BankOwnedLifeInsurancePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BankOwnedLifeInsurancePolicyTextBlock" xlink:to="lab_fbc_BankOwnedLifeInsurancePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxAssetsCapitalizedLoanCosts_91ae74df-d27f-481c-8715-8a1fb4e40298_terseLabel_en-US" xlink:label="lab_fbc_DeferredTaxAssetsCapitalizedLoanCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capitalized loan costs</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsCapitalizedLoanCosts_label_en-US" xlink:label="lab_fbc_DeferredTaxAssetsCapitalizedLoanCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Capitalized Loan Costs</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsCapitalizedLoanCosts_documentation_en-US" xlink:label="lab_fbc_DeferredTaxAssetsCapitalizedLoanCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Capitalized Loan Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsCapitalizedLoanCosts" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsCapitalizedLoanCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxAssetsCapitalizedLoanCosts" xlink:to="lab_fbc_DeferredTaxAssetsCapitalizedLoanCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1_fbe4829f-ddbf-4c95-8e9c-77b9b2bb0a10_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of interest rate fair value hedging instruments</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Fair Value of Interest Rate Fair Value Hedging Instruments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xlink:to="lab_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_7e984f64-ecc0-4b48-a47f-dcb641a8e4c9_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Non-vested balance at beginning of period (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_b11da990-399d-4c01-ae0b-e32fa01db723_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Non-vested balance at end of period (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SubservicingAssetatFairValueIncomeAmount_0e5511fd-4ad3-4df2-8de9-80c27016d82d_totalLabel_en-US" xlink:label="lab_fbc_SubservicingAssetatFairValueIncomeAmount" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total (loss) income on mortgage loans subserviced, included in loan administration income</link:label>
    <link:label id="lab_fbc_SubservicingAssetatFairValueIncomeAmount_label_en-US" xlink:label="lab_fbc_SubservicingAssetatFairValueIncomeAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subservicing Asset at Fair Value, Income, Amount</link:label>
    <link:label id="lab_fbc_SubservicingAssetatFairValueIncomeAmount_documentation_en-US" xlink:label="lab_fbc_SubservicingAssetatFairValueIncomeAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of income earned from subservicing an asset at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubservicingAssetatFairValueIncomeAmount" xlink:href="fbc-20231231.xsd#fbc_SubservicingAssetatFairValueIncomeAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SubservicingAssetatFairValueIncomeAmount" xlink:to="lab_fbc_SubservicingAssetatFairValueIncomeAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_e96e90b1-2672-465b-96a8-6e9aaff1d455_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Borrowed Funds</link:label>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureTextBlock" xlink:to="lab_us-gaap_DebtDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfStockholdersEquityAbstract_15091003-dc21-46cd-afbd-4c0d6d2b7076_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Stockholders' Equity [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfStockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Stockholders' Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAssetsTable_ee1236b4-63b2-4243-9e6d-1130379adce4_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Table]</link:label>
    <link:label id="lab_us-gaap_OffsettingAssetsTable_label_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAssetsTable" xlink:to="lab_us-gaap_OffsettingAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositsDomesticAbstract_17ea380c-2fe1-46b6-b93b-dd0e78406eae_terseLabel_en-US" xlink:label="lab_us-gaap_DepositsDomesticAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount</link:label>
    <link:label id="lab_us-gaap_DepositsDomesticAbstract_label_en-US" xlink:label="lab_us-gaap_DepositsDomesticAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits, Domestic [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsDomesticAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsDomesticAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositsDomesticAbstract" xlink:to="lab_us-gaap_DepositsDomesticAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_422bbf24-bd3a-4030-bf7b-e3d3de4b47a6_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments, Debt and Equity Securities [Abstract]</link:label>
    <link:label id="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_label_en-US" xlink:label="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments, Debt and Equity Securities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:to="lab_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_83a4a306-cb9b-4145-a4cd-5e816fb4fa5e_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized loss on pension and post-retirement obligations, net of tax of $12 and $18, respectively</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MnpiDiscTimedForCompValFlag_terseLabel_en-US" xlink:label="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MNPI Disclosure Timed for Compensation Value</link:label>
    <link:label id="lab_ecd_MnpiDiscTimedForCompValFlag_label_en-US" xlink:label="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">MNPI Disclosure Timed for Compensation Value [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:to="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PerformanceSharesMember_90bc2642-3fe5-4394-bbd5-d20ea79ed792_terseLabel_en-US" xlink:label="lab_us-gaap_PerformanceSharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance Shares</link:label>
    <link:label id="lab_us-gaap_PerformanceSharesMember_label_en-US" xlink:label="lab_us-gaap_PerformanceSharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PerformanceSharesMember" xlink:to="lab_us-gaap_PerformanceSharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts_65c01a99-249b-4828-8c2c-1fba4b817a13_terseLabel_en-US" xlink:label="lab_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capitalized research and development costs</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts_label_en-US" xlink:label="lab_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Deferred Expense, Capitalized Research And Development Costs</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts_documentation_en-US" xlink:label="lab_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Deferred Expense, Capitalized Research And Development Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" xlink:to="lab_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingAbstract_6826e4e6-f41d-4752-bdf1-5e4860792108_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Reporting [Abstract]</link:label>
    <link:label id="lab_us-gaap_SegmentReportingAbstract_label_en-US" xlink:label="lab_us-gaap_SegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingAbstract" xlink:to="lab_us-gaap_SegmentReportingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDateAxis_terseLabel_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date:</link:label>
    <link:label id="lab_ecd_RestatementDateAxis_label_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RestatementDateAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDateAxis" xlink:to="lab_ecd_RestatementDateAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralizedDebtObligationsMember_8583c758-4bc6-444e-a7bf-0c6510b71f24_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralizedDebtObligationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateralized Debt Obligations</link:label>
    <link:label id="lab_us-gaap_CollateralizedDebtObligationsMember_label_en-US" xlink:label="lab_us-gaap_CollateralizedDebtObligationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateralized Debt Obligations [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedDebtObligationsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedDebtObligationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralizedDebtObligationsMember" xlink:to="lab_us-gaap_CollateralizedDebtObligationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExcessTierOneLeverageCapital_8ef5d47f-4647-4856-9df5-2162ccb650a4_terseLabel_en-US" xlink:label="lab_us-gaap_ExcessTierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess, amount</link:label>
    <link:label id="lab_us-gaap_ExcessTierOneLeverageCapital_label_en-US" xlink:label="lab_us-gaap_ExcessTierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Excess Tier 1 Leverage Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessTierOneLeverageCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessTierOneLeverageCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExcessTierOneLeverageCapital" xlink:to="lab_us-gaap_ExcessTierOneLeverageCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_GuarantorObligationsCurrentCarryingValueCurrent_41c01794-0b69-4e28-9eab-72f79c9ad681_terseLabel_en-US" xlink:label="lab_fbc_GuarantorObligationsCurrentCarryingValueCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expires Within One Year</link:label>
    <link:label id="lab_fbc_GuarantorObligationsCurrentCarryingValueCurrent_label_en-US" xlink:label="lab_fbc_GuarantorObligationsCurrentCarryingValueCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Current Carrying Value, Current</link:label>
    <link:label id="lab_fbc_GuarantorObligationsCurrentCarryingValueCurrent_documentation_en-US" xlink:label="lab_fbc_GuarantorObligationsCurrentCarryingValueCurrent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Current Carrying Value, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GuarantorObligationsCurrentCarryingValueCurrent" xlink:href="fbc-20231231.xsd#fbc_GuarantorObligationsCurrentCarryingValueCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_GuarantorObligationsCurrentCarryingValueCurrent" xlink:to="lab_fbc_GuarantorObligationsCurrentCarryingValueCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScenarioPreviouslyReportedMember_5548253b-312a-49b2-b459-4ed0addfe6a5_terseLabel_en-US" xlink:label="lab_srt_ScenarioPreviouslyReportedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Previously Reported</link:label>
    <link:label id="lab_srt_ScenarioPreviouslyReportedMember_label_en-US" xlink:label="lab_srt_ScenarioPreviouslyReportedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Previously Reported [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScenarioPreviouslyReportedMember" xlink:to="lab_srt_ScenarioPreviouslyReportedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAmountOfHedgedItem_f9be2ecc-e672-4052-abd2-0b76c1495eae_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAmountOfHedgedItem" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of hedged item</link:label>
    <link:label id="lab_us-gaap_DerivativeAmountOfHedgedItem_label_en-US" xlink:label="lab_us-gaap_DerivativeAmountOfHedgedItem" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Amount of Hedged Item</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAmountOfHedgedItem" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAmountOfHedgedItem"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAmountOfHedgedItem" xlink:to="lab_us-gaap_DerivativeAmountOfHedgedItem" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanDebtSecurityMember_5c17b039-86b4-4e3a-b905-b04d702bd4b7_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanDebtSecurityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanDebtSecurityMember_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanDebtSecurityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Debt Security [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDebtSecurityMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDebtSecurityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanDebtSecurityMember" xlink:to="lab_us-gaap_DefinedBenefitPlanDebtSecurityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits_3b85adb1-f507-4eff-a412-b74d80bf7a74_negatedTerseLabel_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Acquisition accounting and fair value adjustments on deposits</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits_label_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Deposits</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits_documentation_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" xlink:to="lab_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock_7f36b4ac-c441-4263-95ce-732eb36eca82_terseLabel_en-US" xlink:label="lab_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonvested Restricted Stock Shares Activity</link:label>
    <link:label id="lab_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock_label_en-US" xlink:label="lab_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nonvested Restricted Stock Shares Activity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock" xlink:to="lab_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances_bc8fbc70-2029-4055-8e85-80d930b88159_negatedTerseLabel_en-US" xlink:label="lab_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Charges on subserviced custodial balances</link:label>
    <link:label id="lab_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances_label_en-US" xlink:label="lab_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subservicing Asset At Fair Value, Charges On Subserviced Escrow Balances</link:label>
    <link:label id="lab_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances_documentation_en-US" xlink:label="lab_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subservicing Asset At Fair Value, Charges On Subserviced Escrow Balances</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" xlink:href="fbc-20231231.xsd#fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" xlink:to="lab_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_PreferredStockLiquidationPreferencePerDepositaryShare_5063ca5e-5056-4525-b2bd-bfb7ccf9e6c7_terseLabel_en-US" xlink:label="lab_fbc_PreferredStockLiquidationPreferencePerDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock issued during period, per depository share (in dollars per share)</link:label>
    <link:label id="lab_fbc_PreferredStockLiquidationPreferencePerDepositaryShare_label_en-US" xlink:label="lab_fbc_PreferredStockLiquidationPreferencePerDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Liquidation Preference Per Depositary Share</link:label>
    <link:label id="lab_fbc_PreferredStockLiquidationPreferencePerDepositaryShare_documentation_en-US" xlink:label="lab_fbc_PreferredStockLiquidationPreferencePerDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Preferred Stock, Liquidation Preference Per Depositary Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PreferredStockLiquidationPreferencePerDepositaryShare" xlink:href="fbc-20231231.xsd#fbc_PreferredStockLiquidationPreferencePerDepositaryShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_PreferredStockLiquidationPreferencePerDepositaryShare" xlink:to="lab_fbc_PreferredStockLiquidationPreferencePerDepositaryShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityOwnershipPercentage_4012ba60-7a3e-4e50-a859-c68815180bd8_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ownership interest in investment</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityOwnershipPercentage_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Qualitative or Quantitative Information, Ownership Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableInterestEntityOwnershipPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:to="lab_us-gaap_VariableInterestEntityOwnershipPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StatementGeographicalAxis_f9606513-4667-4e62-bcb8-59850e1aca31_terseLabel_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:label id="lab_srt_StatementGeographicalAxis_label_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatementGeographicalAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StatementGeographicalAxis" xlink:to="lab_srt_StatementGeographicalAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent_03aed45b-3327-4a01-a50c-6875234c018c_terseLabel_en-US" xlink:label="lab_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expires After One Year</link:label>
    <link:label id="lab_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent_label_en-US" xlink:label="lab_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Current Carrying Value, Noncurrent</link:label>
    <link:label id="lab_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent_documentation_en-US" xlink:label="lab_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Current Carrying Value, Noncurrent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent" xlink:href="fbc-20231231.xsd#fbc_GuarantorObligationsCurrentCarryingValueNoncurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent" xlink:to="lab_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureTextBlock_83bbb1d8-2a7f-4533-886f-d42c02453f5e_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal, State, and Local Taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureTextBlock" xlink:to="lab_us-gaap_IncomeTaxDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_2a2ebc07-451b-4341-947b-753e41d2ee9b_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payment, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:to="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepurchaseAgreementsInterestExpenseAmount_b4fa133a-2c99-47c4-a8b2-5b7cb38acf52_terseLabel_en-US" xlink:label="lab_us-gaap_RepurchaseAgreementsInterestExpenseAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchase agreements, interest expense</link:label>
    <link:label id="lab_us-gaap_RepurchaseAgreementsInterestExpenseAmount_label_en-US" xlink:label="lab_us-gaap_RepurchaseAgreementsInterestExpenseAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repurchase Agreements, Interest Expense Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepurchaseAgreementsInterestExpenseAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RepurchaseAgreementsInterestExpenseAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepurchaseAgreementsInterestExpenseAmount" xlink:to="lab_us-gaap_RepurchaseAgreementsInterestExpenseAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FutureMember_70cb99d5-f8e7-4d4b-8f07-7491b8271854_terseLabel_en-US" xlink:label="lab_us-gaap_FutureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Futures</link:label>
    <link:label id="lab_us-gaap_FutureMember_label_en-US" xlink:label="lab_us-gaap_FutureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Future [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FutureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FutureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FutureMember" xlink:to="lab_us-gaap_FutureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_1c4ccc33-e763-4787-a53e-b1a32f90188a_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_label_en-US" xlink:label="lab_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:to="lab_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromLifeInsurancePolicies_a4857163-4a16-4dd6-af44-eb0905246394_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromLifeInsurancePolicies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from bank-owned life insurance, net</link:label>
    <link:label id="lab_us-gaap_ProceedsFromLifeInsurancePolicies_label_en-US" xlink:label="lab_us-gaap_ProceedsFromLifeInsurancePolicies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Life Insurance Policy</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLifeInsurancePolicies" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromLifeInsurancePolicies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromLifeInsurancePolicies" xlink:to="lab_us-gaap_ProceedsFromLifeInsurancePolicies" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacy_e7603683-a78b-4cc2-b249-ecdc4b22d910_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for capital adequacy, amount</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacy_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredForCapitalAdequacy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:to="lab_us-gaap_CapitalRequiredForCapitalAdequacy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeLeasesPolicyTextBlock_1c0114ca-0f25-4d14-8d6d-c6a17fcbfd2c_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lessee Arrangements</link:label>
    <link:label id="lab_us-gaap_LesseeLeasesPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_LesseeLeasesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Leases [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeLeasesPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeLeasesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeLeasesPolicyTextBlock" xlink:to="lab_us-gaap_LesseeLeasesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation_bebbacde-c132-4079-98c2-45af0ea4b509_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accumulated depreciation</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant, and Equipment, Owned, Accumulated Depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanPlanAssetsShares_ac8b950f-d090-4eed-af62-0accfc757cd8_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanPlanAssetsShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Shares</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanPlanAssetsShares_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanPlanAssetsShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Shares</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanPlanAssetsShares_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanPlanAssetsShares" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanPlanAssetsShares" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanPlanAssetsShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanPlanAssetsShares" xlink:to="lab_fbc_DefinedBenefitPlanPlanAssetsShares" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_PrivateLabelCMOsMember_490c47b3-9441-4d2e-8589-c0fb69f5d0ac_terseLabel_en-US" xlink:label="lab_fbc_PrivateLabelCMOsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Label CMOs</link:label>
    <link:label id="lab_fbc_PrivateLabelCMOsMember_label_en-US" xlink:label="lab_fbc_PrivateLabelCMOsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Private Label CMOs [Member]</link:label>
    <link:label id="lab_fbc_PrivateLabelCMOsMember_documentation_en-US" xlink:label="lab_fbc_PrivateLabelCMOsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Private Label CMOs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PrivateLabelCMOsMember" xlink:href="fbc-20231231.xsd#fbc_PrivateLabelCMOsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_PrivateLabelCMOsMember" xlink:to="lab_fbc_PrivateLabelCMOsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess_3bd7de71-e81e-467a-86e4-5056ce061d1f_terseLabel_en-US" xlink:label="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess, amount</link:label>
    <link:label id="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess_label_en-US" xlink:label="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess</link:label>
    <link:label id="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess_documentation_en-US" xlink:label="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" xlink:href="fbc-20231231.xsd#fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" xlink:to="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GuaranteeObligationsByNatureAxis_1c249ee2-fa25-4642-b187-c55fecd6cc41_terseLabel_en-US" xlink:label="lab_us-gaap_GuaranteeObligationsByNatureAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Nature [Axis]</link:label>
    <link:label id="lab_us-gaap_GuaranteeObligationsByNatureAxis_label_en-US" xlink:label="lab_us-gaap_GuaranteeObligationsByNatureAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantor Obligations, Nature [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsByNatureAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsByNatureAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteeObligationsByNatureAxis" xlink:to="lab_us-gaap_GuaranteeObligationsByNatureAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockParOrStatedValuePerShare_e57828e1-4c56-4b59-8b97-61786f1bd9ea_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, par value (in usd per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockParOrStatedValuePerShare_label_en-US" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionLineItems_5f83d536-50bc-4f9e-ba1c-aa00e151bac2_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Acquisition [Line Items]</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionLineItems_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems" xlink:to="lab_us-gaap_BusinessAcquisitionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_43c6fc5d-c26c-4622-9fb1-10c9bc8444a4_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Grant Date Fair Value</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_27770f4b-4070-4811-8c23-db386beebd72_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_8c55b07c-11b5-43db-8b73-74de761f9743_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total loans and leases held for investment, net</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_3a50f78f-d062-4207-b422-bf11565bb78a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_c517f933-2d89-4381-ae92-10f2e2b6495d_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_f0182fbd-4d67-4615-abea-0f80587fd9d6_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Amount</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, before Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoTotalCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoTotalCompAmt_label_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoTotalCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoTotalCompAmt" xlink:to="lab_ecd_PeoTotalCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_0c80f748-8e40-4b29-a802-9d8cebb88b82_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Differences Between Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance Outstanding - Fair Value Option</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Option, Disclosures [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_2537aafc-f9ee-432e-9c41-20f3a20580d8_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Axis]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Relationship [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:to="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense_3833ce7a-1481-400e-b8a7-07871316853a_negatedTerseLabel_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non-deductible compensation expense</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense_label_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible Compensation Expense</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense_documentation_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible Compensation Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" xlink:to="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears_135f9a5a-8728-49c2-b3eb-4e4caedc371c_terseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-Type and Direct Financing Leases, Payment to be Received, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_e1bafc98-75ac-4202-8efe-40fd8a0793a2_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:to="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillRollForward_04a3f073-90e0-4600-9966-1b8282c12a9b_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_GoodwillRollForward_label_en-US" xlink:label="lab_us-gaap_GoodwillRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillRollForward" xlink:to="lab_us-gaap_GoodwillRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesTable_b72377df-b242-4ba9-81e1-3ca378b2ba86_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances [Table]</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesTable_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesTable" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest_6b91a8e6-9973-4edf-a1af-a1ed1a6838ee_terseLabel_en-US" xlink:label="lab_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capitalized Interest</link:label>
    <link:label id="lab_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest_label_en-US" xlink:label="lab_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring, Capitalized Interest</link:label>
    <link:label id="lab_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest_documentation_en-US" xlink:label="lab_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Troubled Debt Restructuring, Capitalized Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest" xlink:to="lab_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock_60534a55-cae6-4c3d-9c4a-3910e00935a1_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Allocation of Plan Assets</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Allocation of Plan Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TradingArrByIndTable_terseLabel_en-US" xlink:label="lab_ecd_TradingArrByIndTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual</link:label>
    <link:label id="lab_ecd_TradingArrByIndTable_label_en-US" xlink:label="lab_ecd_TradingArrByIndTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TradingArrByIndTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="lab_ecd_TradingArrByIndTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_76dc4903-a4f2-4fa8-82c4-dc2b82f6cbdd_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Significant Unobservable Inputs (Level 3)</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel3Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel3Member" xlink:to="lab_us-gaap_FairValueInputsLevel3Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockCommonShares_f01ec5e6-678c-4231-9433-c3b5d7e1b54d_terseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonShares_label_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Common, Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockCommonShares" xlink:to="lab_us-gaap_TreasuryStockCommonShares" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedCashFlowStatementTable_703e7a2e-754e-4a13-a231-de86af24cf9b_terseLabel_en-US" xlink:label="lab_srt_CondensedCashFlowStatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statement [Table]</link:label>
    <link:label id="lab_srt_CondensedCashFlowStatementTable_label_en-US" xlink:label="lab_srt_CondensedCashFlowStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Cash Flow Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedCashFlowStatementTable" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedCashFlowStatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedCashFlowStatementTable" xlink:to="lab_srt_CondensedCashFlowStatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_269726d3-da8d-4ba7-aa10-f8f523730a9d_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payment, Year One</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payment, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:to="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankStock_416ab2a4-b13d-4e39-b664-4f829555c583_verboseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankStock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank stock and Federal Reserve Bank stock, at cost</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankStock_50aee875-6c2a-4ada-a8c4-d1ba7573d770_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal home loan bank stock</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankStock_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankStock" xlink:to="lab_us-gaap_FederalHomeLoanBankStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsToAcquireFinanceReceivables_40cefae6-eed8-4ff9-b05c-5dac8f3eea7b_terseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireFinanceReceivables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases of loans</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireFinanceReceivables_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireFinanceReceivables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments to Acquire Finance Receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireFinanceReceivables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireFinanceReceivables" xlink:to="lab_us-gaap_PaymentsToAcquireFinanceReceivables" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_f7fe182b-ee42-400e-b524-5cc7e3b2feab_netLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Debt Securities available-for-sale ($2,822 and $434 pledged at December&#160;31, 2023 and December&#160;31, 2022, respectively)</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_170670af-4d51-417d-8bb0-de7889f6ea54_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d60a1012-e609-42dc-9a2c-b25999e6b37e_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total debt securities available for sale</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Excluding Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_f751fdca-eeba-402b-a92e-dc0d1000eefd_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due from five to ten years</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract_1c4dbd04-a095-4c43-89b9-7ec8b897a553_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">INTEREST INCOME:</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Operating [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:to="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_51015ae1-845f-4a27-84a8-f89c5cd78038_totalLabel_en-US" xlink:label="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost</link:label>
    <link:label id="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_label_en-US" xlink:label="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available For Sale, Excluding Interest and Equity Securities</link:label>
    <link:label id="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_documentation_en-US" xlink:label="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Securities, Available For Sale, Excluding Interest and Equity Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" xlink:to="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment_ad556582-ec02-417a-87e1-7dc62e0f959a_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment:</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment_label_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Loans Held For Investment</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Loans Held For Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" xlink:to="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Compensation Actually Paid Amount</link:label>
    <link:label id="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt_label_en-US" xlink:label="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Compensation Actually Paid Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:to="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_5da167fa-6d5f-48ab-88cb-f2f30a9c1bcd_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Activity in the Allowance for Loan and Lease Losses</link:label>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtFairValue_c1df52af-c67e-49b8-a6d2-662fad61d1b6_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Borrowed funds</link:label>
    <link:label id="lab_us-gaap_LongTermDebtFairValue_label_en-US" xlink:label="lab_us-gaap_LongTermDebtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtFairValue" xlink:to="lab_us-gaap_LongTermDebtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree_39056eed-6328-4776-99ec-e8753d680539_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Advances, Weighted Average Interest Rate, Maturing in Rolling Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLoss_697f9604-f6d5-4e01-aec5-46b85c3d3bcc_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net (loss) income</link:label>
    <link:label id="lab_us-gaap_NetIncomeLoss_b8d4079c-4fb7-49a0-8782-095101d28b7d_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net (loss) income</link:label>
    <link:label id="lab_us-gaap_NetIncomeLoss_048a2673-27e4-4f13-be43-17e194edc1d9_verboseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net income (loss)</link:label>
    <link:label id="lab_us-gaap_NetIncomeLoss_label_en-US" xlink:label="lab_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLoss" xlink:to="lab_us-gaap_NetIncomeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeContractTypeDomain_4bee27f5-eceb-4588-8de9-756db8745001_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeContractTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Contract [Domain]</link:label>
    <link:label id="lab_us-gaap_DerivativeContractTypeDomain_label_en-US" xlink:label="lab_us-gaap_DerivativeContractTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Contract [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeContractTypeDomain" xlink:to="lab_us-gaap_DerivativeContractTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock_2a798f0c-7275-4680-8db9-cea2f85d4c27_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan with Projected Benefit Obligation in Excess of Plan Assets</link:label>
    <link:label id="lab_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan with Projected Benefit Obligation in Excess of Plan Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_5989faf0-e065-471d-bd0b-1aa463c9402a_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">90+ Past Due</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Equal to or Greater than 90 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquitySecuritiesFVNIAbstract_c9d65a9a-9579-4076-9d75-9e9762cdde10_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFVNIAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity securities:</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesFVNIAbstract_label_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFVNIAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities, FV-NI [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFVNIAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFVNIAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract" xlink:to="lab_us-gaap_EquitySecuritiesFVNIAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChangedPeerGroupFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changed Peer Group, Footnote</link:label>
    <link:label id="lab_ecd_ChangedPeerGroupFnTextBlock_label_en-US" xlink:label="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Changed Peer Group, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:to="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CoSelectedMeasureName_terseLabel_en-US" xlink:label="lab_ecd_CoSelectedMeasureName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company Selected Measure Name</link:label>
    <link:label id="lab_ecd_CoSelectedMeasureName_label_en-US" xlink:label="lab_ecd_CoSelectedMeasureName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Company Selected Measure Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CoSelectedMeasureName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CoSelectedMeasureName" xlink:to="lab_ecd_CoSelectedMeasureName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_31ab02ac-fdf8-41f4-950a-a3ccfa816d4e_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due from one to five years</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeasesTextBlock_6a42dce2-534e-4fda-8bd6-c99f45bd782b_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeasesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leases</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeasesTextBlock_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeasesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Leases [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeasesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeasesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeasesTextBlock" xlink:to="lab_us-gaap_LesseeOperatingLeasesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CorporateBondSecuritiesMember_2a4ced37-7ddd-41ae-a1d2-f5f76643809e_terseLabel_en-US" xlink:label="lab_us-gaap_CorporateBondSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate bonds</link:label>
    <link:label id="lab_us-gaap_CorporateBondSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_CorporateBondSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Bond Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CorporateBondSecuritiesMember" xlink:to="lab_us-gaap_CorporateBondSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ATMMember_a8a7b255-28dc-41f9-9965-1fbbab43ec3a_terseLabel_en-US" xlink:label="lab_fbc_ATMMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ATMs</link:label>
    <link:label id="lab_fbc_ATMMember_label_en-US" xlink:label="lab_fbc_ATMMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ATM [Member]</link:label>
    <link:label id="lab_fbc_ATMMember_documentation_en-US" xlink:label="lab_fbc_ATMMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">ATM</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ATMMember" xlink:href="fbc-20231231.xsd#fbc_ATMMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ATMMember" xlink:to="lab_fbc_ATMMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_be8f45a9-bac8-431b-a63b-75a54856c007_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LIABILITIES AND STOCKHOLDERS' EQUITY:</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities and Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_9f3a3143-0bdc-4a6b-96e9-77641aad928a_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodValue_1d78723c-9af5-4536-9c83-fe5823d01cdc_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Purchase of common stock</link:label>
    <link:label id="lab_us-gaap_StockRepurchasedDuringPeriodValue_label_en-US" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Repurchased During Period, Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockRepurchasedDuringPeriodValue" xlink:to="lab_us-gaap_StockRepurchasedDuringPeriodValue" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessAcquisitionsProFormaNetIncomeInterest_da2a705c-ce0a-4fa5-af16-3b606d1831c6_terseLabel_en-US" xlink:label="lab_fbc_BusinessAcquisitionsProFormaNetIncomeInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net interest income</link:label>
    <link:label id="lab_fbc_BusinessAcquisitionsProFormaNetIncomeInterest_label_en-US" xlink:label="lab_fbc_BusinessAcquisitionsProFormaNetIncomeInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisitions, Pro Forma, Net Income Interest</link:label>
    <link:label id="lab_fbc_BusinessAcquisitionsProFormaNetIncomeInterest_documentation_en-US" xlink:label="lab_fbc_BusinessAcquisitionsProFormaNetIncomeInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Acquisitions, Pro Forma, Net Income Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessAcquisitionsProFormaNetIncomeInterest" xlink:href="fbc-20231231.xsd#fbc_BusinessAcquisitionsProFormaNetIncomeInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessAcquisitionsProFormaNetIncomeInterest" xlink:to="lab_fbc_BusinessAcquisitionsProFormaNetIncomeInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_3e4e4a61-4c53-4000-b8f0-2e6aa2405abf_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:to="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_6cbf4d0d-bb0f-4b55-bc48-e7fb5f6e6444_terseLabel_en-US" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Parent Company-Only Financial Information</link:label>
    <link:label id="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Information of Parent Company Only Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:to="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_8454a0af-d25e-4fbf-b669-0dcbb8f42c58_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Loss</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:to="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_4c7333df-a2cf-46d3-8b43-df39e4e88e20_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of gain (loss) recognized in AOCL</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestRateSwaptionMember_b73a5bac-2b00-4826-82e9-ffa48e6ee53b_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateSwaptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swaptions</link:label>
    <link:label id="lab_us-gaap_InterestRateSwaptionMember_label_en-US" xlink:label="lab_us-gaap_InterestRateSwaptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Swaption [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwaptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwaptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateSwaptionMember" xlink:to="lab_us-gaap_InterestRateSwaptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_df167bb2-f724-4f8c-8fad-489db6fc286b_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting period</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate_c2660c4f-7c1d-4da5-85d2-ef63c2a41d8d_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_5a41b55d-dd19-44bf-a8db-fa3338b833bb_terseLabel_en-US" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated useful life</link:label>
    <link:label id="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_label_en-US" xlink:label="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Acquired Finite-Lived Intangible Assets, Weighted Average Useful Life</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:to="lab_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans_5e0edf80-a80f-463b-bc71-58527aaed7d3_terseLabel_en-US" xlink:label="lab_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sales of securities available for sale including loans that have been securitized</link:label>
    <link:label id="lab_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans_label_en-US" xlink:label="lab_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds From Sale Of Debt Securities, Available-For-Sale And Securitized Loans</link:label>
    <link:label id="lab_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans_documentation_en-US" xlink:label="lab_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Proceeds From Sale Of Debt Securities, Available-For-Sale And Securitized Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" xlink:href="fbc-20231231.xsd#fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" xlink:to="lab_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherCommitmentsTable_7af7f8aa-cfe8-4f53-b035-5a065adac527_terseLabel_en-US" xlink:label="lab_us-gaap_OtherCommitmentsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Commitments [Table]</link:label>
    <link:label id="lab_us-gaap_OtherCommitmentsTable_label_en-US" xlink:label="lab_us-gaap_OtherCommitmentsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherCommitmentsTable" xlink:to="lab_us-gaap_OtherCommitmentsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MeasurementInputOriginationPullThroughMember_9e093821-e15b-4c48-a1f5-ddda4eba349c_terseLabel_en-US" xlink:label="lab_fbc_MeasurementInputOriginationPullThroughMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Origination pull-through rate</link:label>
    <link:label id="lab_fbc_MeasurementInputOriginationPullThroughMember_label_en-US" xlink:label="lab_fbc_MeasurementInputOriginationPullThroughMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Origination Pull-Through [Member]</link:label>
    <link:label id="lab_fbc_MeasurementInputOriginationPullThroughMember_documentation_en-US" xlink:label="lab_fbc_MeasurementInputOriginationPullThroughMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Origination - Pull Through [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MeasurementInputOriginationPullThroughMember" xlink:href="fbc-20231231.xsd#fbc_MeasurementInputOriginationPullThroughMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MeasurementInputOriginationPullThroughMember" xlink:to="lab_fbc_MeasurementInputOriginationPullThroughMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureName_terseLabel_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_MeasureName_label_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MeasureName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MeasureName" xlink:to="lab_ecd_MeasureName" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryIndName" xlink:to="lab_ecd_ForgoneRecoveryIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Goodwill_4b52d66d-0f64-4237-a1d6-4cb0b7cee979_terseLabel_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_us-gaap_Goodwill_d732c5a8-7b5e-48bf-9b55-3ab915ff496c_periodStartLabel_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at December 31, 2022</link:label>
    <link:label id="lab_us-gaap_Goodwill_0d164fcc-192c-4fe7-bb3a-332ea907c54a_periodEndLabel_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at December 31, 2023</link:label>
    <link:label id="lab_us-gaap_Goodwill_label_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Goodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Goodwill" xlink:to="lab_us-gaap_Goodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_e848bc43-c38d-48c0-aa84-8955fb91e253_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions for tax positions relating to prior tax years</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Increase Resulting from Prior Period Tax Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByMeasurementBasisAxis_33fd8d2a-6b14-4d9a-b261-b8d416802f20_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Basis [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByMeasurementBasisAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Basis [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis" xlink:to="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardUndrlygSecuritiesAmt_terseLabel_en-US" xlink:label="lab_ecd_AwardUndrlygSecuritiesAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Underlying Securities</link:label>
    <link:label id="lab_ecd_AwardUndrlygSecuritiesAmt_label_en-US" xlink:label="lab_ecd_AwardUndrlygSecuritiesAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Underlying Securities Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:to="lab_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNoteTextBlock_bcd556bb-e801-4d1d-8b78-a273356c34fb_terseLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNoteTextBlock_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss) Note [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:to="lab_us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosureItemAmountsDomain_19b1b4db-45ee-4693-8aef-a340223aaa3b_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurement [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosureItemAmountsDomain_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:to="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRatio_72d21bbc-23cf-490a-a2bf-7396a282a3e3_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital, ratio</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRatio_label_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRatio" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalRatio" xlink:to="lab_us-gaap_CommonEquityTierOneCapitalRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScenarioForecastMember_7e9b4b80-f768-4e78-a205-c49ba43d259b_terseLabel_en-US" xlink:label="lab_srt_ScenarioForecastMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forecast</link:label>
    <link:label id="lab_srt_ScenarioForecastMember_label_en-US" xlink:label="lab_srt_ScenarioForecastMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forecast [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioForecastMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioForecastMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScenarioForecastMember" xlink:to="lab_srt_ScenarioForecastMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_SubsidiariesMember_3018f840-cf3d-4744-82b5-d01f4596c795_terseLabel_en-US" xlink:label="lab_srt_SubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsidiaries</link:label>
    <link:label id="lab_srt_SubsidiariesMember_label_en-US" xlink:label="lab_srt_SubsidiariesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsidiaries [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SubsidiariesMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_SubsidiariesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_SubsidiariesMember" xlink:to="lab_srt_SubsidiariesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralAxis_be2a8b25-42d9-442a-a5fd-ff21c15093a1_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral [Axis]</link:label>
    <link:label id="lab_us-gaap_CollateralAxis_label_en-US" xlink:label="lab_us-gaap_CollateralAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Held [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralAxis" xlink:to="lab_us-gaap_CollateralAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive_32cf4811-67d1-4e25-b669-6f2cc565d8a4_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2032</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing after Rolling Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_f67fcd7c-bfa0-4fda-8a3e-fa9c6ede6476_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_ea90c1bf-49a2-440d-9f2c-1ed86e83f19a_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in net unrealized loss on securities available for sale, net of tax of $(15); $223 and $42, respectively</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_cdd0aa95-6d40-4722-a041-2274ec8a6d9c_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity</link:label>
    <link:label id="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_label_en-US" xlink:label="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments Classified by Contractual Maturity Date [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:to="lab_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_2bca68b5-fc32-4893-8346-1f2955639919_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentNameDomain_1a65acd0-0763-4ad3-a56d-e0a89bf913ac_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Name [Domain]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentNameDomain_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentNameDomain" xlink:to="lab_us-gaap_DebtInstrumentNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_4b9ee1c6-be30-407e-96a2-76e29577f78c_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Fair value</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased with Credit Deterioration, Amount at Purchase Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:to="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GainLossOnSaleOfNotesReceivable_3565869d-c49d-4995-9dc6-0b1b1f48afeb_terseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net gain on loan sales and securitizations</link:label>
    <link:label id="lab_us-gaap_GainLossOnSaleOfNotesReceivable_8e4835f4-f394-42f1-9c12-05a43997a51a_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net gain on sales of loans</link:label>
    <link:label id="lab_us-gaap_GainLossOnSaleOfNotesReceivable_label_en-US" xlink:label="lab_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gain (Loss) on Sale of Financing Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:to="lab_us-gaap_GainLossOnSaleOfNotesReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_92d960eb-52ab-4678-ad26-2da47f076c0f_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Axis]</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:to="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_c465abe9-f3fb-4c75-b862-a8db90601c27_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Assets:</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:to="lab_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementLocationAxis_466b548c-7555-4cd7-84dc-f950e31f96e6_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementLocationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Statement Location [Axis]</link:label>
    <link:label id="lab_us-gaap_IncomeStatementLocationAxis_label_en-US" xlink:label="lab_us-gaap_IncomeStatementLocationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement Location [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementLocationAxis" xlink:to="lab_us-gaap_IncomeStatementLocationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment_9b911112-5b7a-4862-bbca-38371004dec9_negatedTerseLabel_en-US" xlink:label="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Less: purchase accounting adjustment</link:label>
    <link:label id="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment_label_en-US" xlink:label="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-type and Direct Financing Leases, Lease Receivable, Purchase Accounting Adjustment</link:label>
    <link:label id="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment_documentation_en-US" xlink:label="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sales-type and Direct Financing Leases, Lease Receivable, Purchase Accounting Adjustment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" xlink:href="fbc-20231231.xsd#fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" xlink:to="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_5593a1e4-24f9-46cd-9db8-ed3091124dee_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for credit loss</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Allowance for Credit Loss, Purchased with Credit Deterioration, Increase</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_c4e298d9-16ad-4d8a-b88f-a993d88a9d67_terseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Constant prepayment rate (as a percent)</link:label>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_label_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Prepayment Speed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed" xlink:to="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherForeclosedAssets_eaad8c00-8d7d-4ab5-964a-061d6bea8a73_terseLabel_en-US" xlink:label="lab_us-gaap_OtherForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other repossessed assets</link:label>
    <link:label id="lab_us-gaap_OtherForeclosedAssets_label_en-US" xlink:label="lab_us-gaap_OtherForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Repossessed Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherForeclosedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherForeclosedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherForeclosedAssets" xlink:to="lab_us-gaap_OtherForeclosedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalAbstract_55021c71-e1d2-4e92-9abd-af67eef5ea7a_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_CapitalAbstract_label_en-US" xlink:label="lab_us-gaap_CapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalAbstract" xlink:to="lab_us-gaap_CapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetPledgedAsCollateralMember_b581b9ac-e3d1-4cbc-8cbc-a4601249dcc7_terseLabel_en-US" xlink:label="lab_us-gaap_AssetPledgedAsCollateralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset pledged as collateral</link:label>
    <link:label id="lab_us-gaap_AssetPledgedAsCollateralMember_label_en-US" xlink:label="lab_us-gaap_AssetPledgedAsCollateralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Pledged as Collateral [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetPledgedAsCollateralMember" xlink:to="lab_us-gaap_AssetPledgedAsCollateralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_f6f3cc49-d3e5-468e-ae1f-9948677d8a5b_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Minimum Contractual Lease Obligations</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_InterestBearingDepositBrokeredCheckingAccount_ea32cc5a-5766-4292-8890-5ca802a0bae4_terseLabel_en-US" xlink:label="lab_fbc_InterestBearingDepositBrokeredCheckingAccount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokered checking accounts</link:label>
    <link:label id="lab_fbc_InterestBearingDepositBrokeredCheckingAccount_label_en-US" xlink:label="lab_fbc_InterestBearingDepositBrokeredCheckingAccount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Deposit, Brokered, Checking Account</link:label>
    <link:label id="lab_fbc_InterestBearingDepositBrokeredCheckingAccount_documentation_en-US" xlink:label="lab_fbc_InterestBearingDepositBrokeredCheckingAccount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest-Bearing Deposit, Brokered, Checking Account</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestBearingDepositBrokeredCheckingAccount" xlink:href="fbc-20231231.xsd#fbc_InterestBearingDepositBrokeredCheckingAccount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_InterestBearingDepositBrokeredCheckingAccount" xlink:to="lab_fbc_InterestBearingDepositBrokeredCheckingAccount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_3cb5d177-d533-4411-b94a-3b193ace7681_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Potential dilutive common shares</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted, Adjustment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:to="lab_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_a4c64b1f-77a0-4a87-9cf4-ef312e52fd29_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in Benefit Obligation:</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:to="lab_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalAbstract_0f0783dc-10e5-49e3-847b-1a5befa9e7a1_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tier 1</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalAbstract_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityNonUSGrowthMember_5774d1ad-6809-425f-b32e-115b13d186de_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityNonUSGrowthMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">International growth</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityNonUSGrowthMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityNonUSGrowthMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Non-US, Growth [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityNonUSGrowthMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityNonUSGrowthMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Non-US, Growth</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityNonUSGrowthMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityNonUSGrowthMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanEquityNonUSGrowthMember" xlink:to="lab_fbc_DefinedBenefitPlanEquityNonUSGrowthMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_ccce817a-3687-4a5d-b027-a668bfb1b747_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents and Restricted Cash</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:to="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_bcda632e-f5a5-4834-8d3f-7d1d262b7a55_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Interest Rate (1)</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Average Interest Rate [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PledgedStatusAxis_ad9f0bab-2c08-4d50-b435-a4a8bac0c4b5_terseLabel_en-US" xlink:label="lab_us-gaap_PledgedStatusAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pledged Status [Axis]</link:label>
    <link:label id="lab_us-gaap_PledgedStatusAxis_label_en-US" xlink:label="lab_us-gaap_PledgedStatusAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pledged Status [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PledgedStatusAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PledgedStatusAxis" xlink:to="lab_us-gaap_PledgedStatusAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock_55e5381f-0b89-4ac0-9046-4ebe8b6f1643_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Amount and Estimated Fair Value of Financial Instruments</link:label>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:to="lab_us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses_345ea57d-d024-4743-9acf-2861c3a24a4e_negatedTerseLabel_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non-deductible merger expenses</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses_label_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible Merger Expenses</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses_documentation_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible Merger Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" xlink:to="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OtherPerfMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:label id="lab_ecd_OtherPerfMeasureAmt_label_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OtherPerfMeasureAmt" xlink:to="lab_ecd_OtherPerfMeasureAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeCollateralRightToReclaimCash_c27d9bef-7fb0-48af-89c1-30c3e332eecf_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Collateral Pledged (Received)</link:label>
    <link:label id="lab_us-gaap_DerivativeCollateralRightToReclaimCash_label_en-US" xlink:label="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Cash Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:to="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LeaseCostTableTextBlock_6aee7c39-5fcf-425a-9447-41732e62590a_terseLabel_en-US" xlink:label="lab_us-gaap_LeaseCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease Cost Information</link:label>
    <link:label id="lab_us-gaap_LeaseCostTableTextBlock_label_en-US" xlink:label="lab_us-gaap_LeaseCostTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lease, Cost [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseCostTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LeaseCostTableTextBlock" xlink:to="lab_us-gaap_LeaseCostTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionChangesInFairValueGainLoss1_5815f9b7-53b1-4c59-ae64-78e56c8d2d69_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionChangesInFairValueGainLoss1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in fair value included in earnings</link:label>
    <link:label id="lab_us-gaap_FairValueOptionChangesInFairValueGainLoss1_label_en-US" xlink:label="lab_us-gaap_FairValueOptionChangesInFairValueGainLoss1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Changes in Fair Value, Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionChangesInFairValueGainLoss1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1" xlink:to="lab_us-gaap_FairValueOptionChangesInFairValueGainLoss1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_377d8c79-13e3-48dd-969f-64a204fcd6cd_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOWS FROM INVESTING ACTIVITIES:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember_2c6d4426-c804-4826-81fd-b56b4df54086_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company common stock</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity Securities, Common Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember" xlink:to="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock_676c9c89-a444-447a-9776-d402356d1afb_terseLabel_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Components of Lease Income</link:label>
    <link:label id="lab_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock_label_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Direct Financing Lease, Lease Income [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock" xlink:to="lab_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_b577624e-7116-4964-84da-98ef011963b7_terseLabel_en-US" xlink:label="lab_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock</link:label>
    <link:label id="lab_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_label_en-US" xlink:label="lab_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]</link:label>
    <link:label id="lab_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_documentation_en-US" xlink:label="lab_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:href="fbc-20231231.xsd#fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:to="lab_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent_a2b7ecce-0107-42c0-ad96-047713bc391d_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash flow hedge</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, Tax, Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_646818eb-95ac-432f-9e5d-a10cdaad98b3_terseLabel_en-US" xlink:label="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capital</link:label>
    <link:label id="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_label_en-US" xlink:label="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Regulatory Capital Requirements under Banking Regulations [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_9e0e2fe2-933d-4103-9c8e-c0c1ac96ccf9_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Abstract]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:to="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialAssetPastDueMember_6492490e-0daf-4f1d-adf4-1dbe49ca25a1_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialAssetPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Past Due Loans</link:label>
    <link:label id="lab_us-gaap_FinancialAssetPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancialAssetPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialAssetPastDueMember" xlink:to="lab_us-gaap_FinancialAssetPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_0dc2ca32-5dd9-4010-bf6b-340f6035ff1c_terseLabel_en-US" xlink:label="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Transfer of loans from held for investment to held for sale</link:label>
    <link:label id="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_label_en-US" xlink:label="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan and Lease, Transfer from Held-in-Portfolio to Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:to="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpense_360e52e9-0d08-4d64-b7b9-ae2ffd861e72_totalLabel_en-US" xlink:label="lab_us-gaap_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpense_fe4ab065-5cd8-4b8f-b6f2-9853151e291a_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpense_label_en-US" xlink:label="lab_us-gaap_InterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpense" xlink:to="lab_us-gaap_InterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_36d83058-71ee-4dd1-9ad3-64f9da48503d_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for capital adequacy, amount</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_f6aff378-1cf9-463f-b4ca-c3c710eb1cb4_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrecognized stock-based compensation cost for options</link:label>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_label_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xlink:to="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfFinanceReceivables_b87b58d6-9b69-4a02-8552-2057f6af2fbf_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfFinanceReceivables" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sales of loans</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfFinanceReceivables_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfFinanceReceivables" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Finance Receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfFinanceReceivables"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables" xlink:to="lab_us-gaap_ProceedsFromSaleOfFinanceReceivables" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NumberOfLocalDivisions_8cd3c669-0123-47fa-bc71-0446bf776537_terseLabel_en-US" xlink:label="lab_fbc_NumberOfLocalDivisions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number Of Local Divisions</link:label>
    <link:label id="lab_fbc_NumberOfLocalDivisions_label_en-US" xlink:label="lab_fbc_NumberOfLocalDivisions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Local Divisions</link:label>
    <link:label id="lab_fbc_NumberOfLocalDivisions_documentation_en-US" xlink:label="lab_fbc_NumberOfLocalDivisions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Local Divisions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfLocalDivisions" xlink:href="fbc-20231231.xsd#fbc_NumberOfLocalDivisions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NumberOfLocalDivisions" xlink:to="lab_fbc_NumberOfLocalDivisions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_3b8f139d-fdf0-4da8-a552-5d015e9f0eea_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:to="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums_5942efb5-ae0a-4775-a0be-1b8389d26441_negatedTerseLabel_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non-deductible FDIC deposit insurance premiums</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums_label_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible FDIC Deposit Insurance Premiums</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums_documentation_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Nondeductible FDIC Deposit Insurance Premiums</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" xlink:to="lab_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TradingArrAxis_terseLabel_en-US" xlink:label="lab_ecd_TradingArrAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Arrangement:</link:label>
    <link:label id="lab_ecd_TradingArrAxis_label_en-US" xlink:label="lab_ecd_TradingArrAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TradingArrAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TradingArrAxis" xlink:to="lab_ecd_TradingArrAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_RestrictedStockandRestrictedStockUnitsMember_f8b591f4-c07d-4705-b1a1-da07075ac4b0_terseLabel_en-US" xlink:label="lab_fbc_RestrictedStockandRestrictedStockUnitsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Stock and Restricted Stock Units</link:label>
    <link:label id="lab_fbc_RestrictedStockandRestrictedStockUnitsMember_label_en-US" xlink:label="lab_fbc_RestrictedStockandRestrictedStockUnitsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock and Restricted Stock Units [Member]</link:label>
    <link:label id="lab_fbc_RestrictedStockandRestrictedStockUnitsMember_documentation_en-US" xlink:label="lab_fbc_RestrictedStockandRestrictedStockUnitsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Restricted Stock and Restricted Stock Units [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RestrictedStockandRestrictedStockUnitsMember" xlink:href="fbc-20231231.xsd#fbc_RestrictedStockandRestrictedStockUnitsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_RestrictedStockandRestrictedStockUnitsMember" xlink:to="lab_fbc_RestrictedStockandRestrictedStockUnitsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseSavingsDeposits_f8aaf6df-0411-4dea-b812-967654edfb80_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Savings accounts</link:label>
    <link:label id="lab_us-gaap_InterestExpenseSavingsDeposits_label_en-US" xlink:label="lab_us-gaap_InterestExpenseSavingsDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Savings Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseSavingsDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseSavingsDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseSavingsDeposits" xlink:to="lab_us-gaap_InterestExpenseSavingsDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_91c181d0-9b3a-47c5-83e5-73dbd92a4b03_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_label_en-US" xlink:label="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:to="lab_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_032271f6-c055-40d1-beb7-0620dee4ca24_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for capital adequacy, amount</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_label_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:to="lab_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_58bde164-6827-4aec-a59a-96784e473c34_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_LongtermDebtTypeDomain_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeDomain" xlink:to="lab_us-gaap_LongtermDebtTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesAbstract_64ad3677-2f79-41f9-96d4-e92d00d28b72_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt securities available-for-sale</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleSecuritiesAbstract_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:to="lab_us-gaap_AvailableForSaleSecuritiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_fcaab018-3edc-40ef-95db-4118b5f49c48_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_d31ca3bf-95cc-46c7-bfb1-49306266d5c1_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Assets</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_d2873130-ef0b-4088-bdbd-8cc3167a5cce_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Revolving Loans Converted to Term Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentUnamortizedDiscount_23266115-0a89-4170-afaf-b294db8bcbe1_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unamortized discount</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentUnamortizedDiscount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Unamortized Discount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:to="lab_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_b2780994-75b4-4cbb-b3f7-b6a629338baa_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Thereafter</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, after Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialStandbyLetterOfCreditMember_11542e95-ca42-490f-bf3a-9decb0fdf744_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialStandbyLetterOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial stand-by letters of credit</link:label>
    <link:label id="lab_us-gaap_FinancialStandbyLetterOfCreditMember_label_en-US" xlink:label="lab_us-gaap_FinancialStandbyLetterOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Standby Letter of Credit [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialStandbyLetterOfCreditMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialStandbyLetterOfCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialStandbyLetterOfCreditMember" xlink:to="lab_us-gaap_FinancialStandbyLetterOfCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1_40e6d775-f9f0-4160-b617-5bec9064de91_terseLabel_en-US" xlink:label="lab_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities assumed</link:label>
    <link:label id="lab_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1_label_en-US" xlink:label="lab_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncash or Part Noncash Acquisition, Value of Liabilities Assumed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" xlink:to="lab_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_5f8381a4-6eb4-47c9-ae4a-422976e51ca4_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains on available-for-sale securities:</link:label>
    <link:label id="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:to="lab_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_abadb794-3156-4adc-89d1-f79206229c98_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Trading, and Equity Securities, FV-NI [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Trading, and Equity Securities, FV-NI [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:to="lab_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearOne_62227b5f-68ef-4c4a-9d7f-e68661048ca4_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearOne" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">1 year or less</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearOne_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearOne" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearOne" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearOne" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearOne" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_f74b4a63-e86d-4b43-8239-ac536421d238_negatedLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Subtractions for tax positions relating to prior tax years</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Decrease Resulting from Prior Period Tax Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorFirmId_69d2cc6b-d242-45ad-9bda-11e5c019ba10_terseLabel_en-US" xlink:label="lab_dei_AuditorFirmId" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor Firm ID</link:label>
    <link:label id="lab_dei_AuditorFirmId_label_en-US" xlink:label="lab_dei_AuditorFirmId" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Firm ID</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorFirmId" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AuditorFirmId"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorFirmId" xlink:to="lab_dei_AuditorFirmId" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfIntangibleAssets_c590cac8-55d7-4d06-9e43-6f28facb11be_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible asset amortization</link:label>
    <link:label id="lab_us-gaap_AmortizationOfIntangibleAssets_label_en-US" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:to="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityShellCompany_5deaa007-da0a-459b-992e-aa51e1d0a17d_terseLabel_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Shell Company</link:label>
    <link:label id="lab_dei_EntityShellCompany_label_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Shell Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityShellCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityShellCompany" xlink:to="lab_dei_EntityShellCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RestatementAdjustmentMember_18a9d09a-e53f-46e6-889f-27b4836d69c5_terseLabel_en-US" xlink:label="lab_srt_RestatementAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Adjustment</link:label>
    <link:label id="lab_srt_RestatementAdjustmentMember_label_en-US" xlink:label="lab_srt_RestatementAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revision of Prior Period, Adjustment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAdjustmentMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAdjustmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RestatementAdjustmentMember" xlink:to="lab_srt_RestatementAdjustmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NumberOfStatesInWhichOfficesAreLocated_12342414-8f50-4ca8-b2cb-5148ae160534_terseLabel_en-US" xlink:label="lab_fbc_NumberOfStatesInWhichOfficesAreLocated" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of states in which offices are located</link:label>
    <link:label id="lab_fbc_NumberOfStatesInWhichOfficesAreLocated_label_en-US" xlink:label="lab_fbc_NumberOfStatesInWhichOfficesAreLocated" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of States In Which Offices Are Located</link:label>
    <link:label id="lab_fbc_NumberOfStatesInWhichOfficesAreLocated_documentation_en-US" xlink:label="lab_fbc_NumberOfStatesInWhichOfficesAreLocated" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of States In Which Offices Are Located</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfStatesInWhichOfficesAreLocated" xlink:href="fbc-20231231.xsd#fbc_NumberOfStatesInWhichOfficesAreLocated"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NumberOfStatesInWhichOfficesAreLocated" xlink:to="lab_fbc_NumberOfStatesInWhichOfficesAreLocated" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionAcquireeDomain_08bc99f2-60f9-4dc1-9621-0bf4165e5b75_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Acquisition, Acquiree [Domain]</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionAcquireeDomain_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition, Acquiree [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:to="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansReceivableHeldForSaleAmount_0690594d-460e-4742-9a11-89fcb9b64325_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableHeldForSaleAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for sale ($902 and $1,115 measured at fair value, respectively)</link:label>
    <link:label id="lab_us-gaap_LoansReceivableHeldForSaleAmount_ab145950-8b16-4551-be9d-b4abbedbb1bc_verboseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableHeldForSaleAmount" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans held-for-sale</link:label>
    <link:label id="lab_us-gaap_LoansReceivableHeldForSaleAmount_label_en-US" xlink:label="lab_us-gaap_LoansReceivableHeldForSaleAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableHeldForSaleAmount" xlink:to="lab_us-gaap_LoansReceivableHeldForSaleAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDeterminationDate_terseLabel_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:label id="lab_ecd_RestatementDeterminationDate_label_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RestatementDeterminationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDeterminationDate" xlink:to="lab_ecd_RestatementDeterminationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_c5c32f53-0cb7-419f-8d3a-176ad9c41829_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions for tax positions relating to current-year operations</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Increase Resulting from Current Period Tax Positions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_89e7b318-2b29-4fea-a0d3-d5750ab100f8_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Allowance for Loan Losses [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_dcd2902a-2d12-4ba1-9de0-1e760378ad90_verboseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_4d3ddfa8-3bf4-4394-890b-6bc4689569f6_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Decrease in other liabilities</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Other Operating Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:to="lab_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Rule10b51ArrAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_Rule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Adopted</link:label>
    <link:label id="lab_ecd_Rule10b51ArrAdoptedFlag_label_en-US" xlink:label="lab_ecd_Rule10b51ArrAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:to="lab_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_cf0d309e-b20f-42ce-8aca-fe885d22b4cc_periodStartLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents at beginning of year</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_cf130d65-0f51-4ca2-9c39-99ba3172685a_periodEndLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents at end of year</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain_ad16fe83-d522-4799-aad0-860c2543cbff_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bargain purchase gain</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Bargain Purchase, Gain</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Bargain Purchase, Gain</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations_5f833d8c-6bd1-4887-9f51-67d31cfaf1a0_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current allocations percentage</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Actual Allocation, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:to="lab_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputExpectedTermMember_ee93f5c2-211a-4766-b9aa-b5b53f7ac4a5_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputExpectedTermMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average life</link:label>
    <link:label id="lab_us-gaap_MeasurementInputExpectedTermMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputExpectedTermMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Expected Term [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputExpectedTermMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputExpectedTermMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputExpectedTermMember" xlink:to="lab_us-gaap_MeasurementInputExpectedTermMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender_43b731f0-728a-4fff-9afa-05971647b680_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal deferred tax liability, bad debt reserve</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liability Not Recognized, Amount of Unrecognized Deferred Tax Liability, Bad Debt Reserve for Tax Purposes of Qualified Lender</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender" xlink:to="lab_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseCost_4166880f-1390-40fc-a86d-e3300e75bb92_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating lease cost</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseCost_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseCost" xlink:to="lab_us-gaap_OperatingLeaseCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_6c40f6d4-af32-4957-8815-5b05c751bd7e_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Twelve Months or Longer, Fair Value</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesIssued_3aafa837-6168-4623-ad1b-dd1829827ca3_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Common stock, shares issued (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesIssued_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesIssued" xlink:to="lab_us-gaap_CommonStockSharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_341482f4-d8dd-4da2-8db9-680e75ae9690_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Actuarial (gain) loss, net</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Accumulated Other Comprehensive Income (Loss), Gain (Loss), before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax" xlink:to="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_bd394af6-1370-409b-908c-e79238cbbc79_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Vested (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability_84ac7f78-637a-436b-b044-dfbc9097fd71_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in deferred tax liability</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Change In Deferred Tax Liability</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Change In Deferred Tax Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_29e9f3d2-cfb9-4e2d-882f-0a54767e484c_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Adverse Changes to Weighted-Average Assumptions on the Fair Value of Servicing Rights</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:to="lab_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockCommonValue_949f032f-82bd-4606-9508-847a702f34f8_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonValue" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock, at cost ($22,089,421 and 24,212,052 shares, respectively)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockCommonValue_label_en-US" xlink:label="lab_us-gaap_TreasuryStockCommonValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Common, Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockCommonValue" xlink:to="lab_us-gaap_TreasuryStockCommonValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_58de0345-9ef5-401f-9a0c-0f175b7a0ccf_totalLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets at fair value</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsFairValueDisclosure" xlink:to="lab_us-gaap_AssetsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_0e168d4f-bc65-4ced-a7d4-0fb570c331e7_totalLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Unrealized Loss</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy_c1a53986-e82f-4134-866c-369d9790d86b_terseLabel_en-US" xlink:label="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Held-for-Sale</link:label>
    <link:label id="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy_label_en-US" xlink:label="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Held-for-Sale [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:to="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebt_7277b328-303d-4c63-acae-94cb647761cf_totalLabel_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total borrowed funds</link:label>
    <link:label id="lab_us-gaap_LongTermDebt_54d13e14-9448-42b6-a6f7-c1069364b040_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term debt</link:label>
    <link:label id="lab_us-gaap_LongTermDebt_label_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebt" xlink:to="lab_us-gaap_LongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_23109a80-6d2b-4e1c-a7f5-878c89dbffd9_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Financial Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities" xlink:to="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract_73ea9839-a7b1-4b2f-8b7e-a4fc20175a91_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contractual Maturity</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Floating Rate [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits_4bc6b64a-24dd-498b-b121-9d10be56a95a_terseLabel_en-US" xlink:label="lab_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokered CDs</link:label>
    <link:label id="lab_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits_label_en-US" xlink:label="lab_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Domestic Deposit, Brokered, Certificates Of Deposits</link:label>
    <link:label id="lab_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits_documentation_en-US" xlink:label="lab_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest-Bearing Domestic Deposit, Brokered, Certificates Of Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" xlink:href="fbc-20231231.xsd#fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" xlink:to="lab_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_44893f8d-bacf-49f9-9937-c277622f24fb_totalLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total nonaccrual loans - Interest Income Recognized</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Financing Receivable, Interest Income, Cash Basis Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:to="lab_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfOrdinaryDividends_973173c2-5aa1-46d2-8ffe-b06cb0d851c5_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfOrdinaryDividends" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Cash dividends paid on common and preferred stock</link:label>
    <link:label id="lab_us-gaap_PaymentsOfOrdinaryDividends_label_en-US" xlink:label="lab_us-gaap_PaymentsOfOrdinaryDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of Ordinary Dividends</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfOrdinaryDividends" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfOrdinaryDividends"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfOrdinaryDividends" xlink:to="lab_us-gaap_PaymentsOfOrdinaryDividends" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract_5b7303b2-f3fb-43af-9d9a-a3a67ada1d6d_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax expense reported in stockholders&#8217; equity related to:</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Tax, Portion Attributable to Parent, Parenthetical Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_3ae32059-781e-4a43-be05-e81dae69e87a_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Period to be recognized</link:label>
    <link:label id="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_label_en-US" xlink:label="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:to="lab_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FairValueOptionContractualPrincipalOutstandingAssets_85de3727-b08d-499e-94a3-0dacaa209d0d_terseLabel_en-US" xlink:label="lab_fbc_FairValueOptionContractualPrincipalOutstandingAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unpaid Principal Balance</link:label>
    <link:label id="lab_fbc_FairValueOptionContractualPrincipalOutstandingAssets_label_en-US" xlink:label="lab_fbc_FairValueOptionContractualPrincipalOutstandingAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Contractual Principal Outstanding, Assets</link:label>
    <link:label id="lab_fbc_FairValueOptionContractualPrincipalOutstandingAssets_documentation_en-US" xlink:label="lab_fbc_FairValueOptionContractualPrincipalOutstandingAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This item represents aggregate unpaid principal balance of assets that have contractual principal amounts and for which the fair value option has been elected.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FairValueOptionContractualPrincipalOutstandingAssets" xlink:href="fbc-20231231.xsd#fbc_FairValueOptionContractualPrincipalOutstandingAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FairValueOptionContractualPrincipalOutstandingAssets" xlink:to="lab_fbc_FairValueOptionContractualPrincipalOutstandingAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTax_3a330977-d90e-4029-a685-bb8c1d2ff50b_totalLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total comprehensive (loss) income, net of tax</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTax_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain_79420f2c-7fce-454a-8bda-e774a9cf699d_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:to="lab_us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_016ec5f5-12b9-4ca7-a0db-4f93dc6cd5ec_terseLabel_en-US" xlink:label="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for capital adequacy, ratio</link:label>
    <link:label id="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_label_en-US" xlink:label="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum" xlink:to="lab_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock_bf9dc8e5-b5d6-4f30-b0a5-e49ac343c883_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Expected Benefit Payments</link:label>
    <link:label id="lab_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Expected Benefit Payments [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanFundedStatusOfPlan_528e37bb-4ede-4464-956b-34b8f2c4d180_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Funded status</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanFundedStatusOfPlan_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Funded (Unfunded) Status of Plan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:to="lab_us-gaap_DefinedBenefitPlanFundedStatusOfPlan" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_AssetsAndLiabilitiesLesseeTableTextBlock_cc28b395-85d2-4926-bf5e-49baca1f4b5b_terseLabel_en-US" xlink:label="lab_fbc_AssetsAndLiabilitiesLesseeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Supplemental Balance Sheet Information</link:label>
    <link:label id="lab_fbc_AssetsAndLiabilitiesLesseeTableTextBlock_label_en-US" xlink:label="lab_fbc_AssetsAndLiabilitiesLesseeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets And Liabilities, Lessee [Table Text Block]</link:label>
    <link:label id="lab_fbc_AssetsAndLiabilitiesLesseeTableTextBlock_documentation_en-US" xlink:label="lab_fbc_AssetsAndLiabilitiesLesseeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Assets And Liabilities, Lessee</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AssetsAndLiabilitiesLesseeTableTextBlock" xlink:href="fbc-20231231.xsd#fbc_AssetsAndLiabilitiesLesseeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_AssetsAndLiabilitiesLesseeTableTextBlock" xlink:to="lab_fbc_AssetsAndLiabilitiesLesseeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_81017b43-c5c2-4d53-92ee-5828d1b70d2c_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_727d1c1a-0a72-4839-b17c-04041fd1e170_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments Owned and Pledged as Collateral [Table]</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments Owned and Pledged as Collateral [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable" xlink:to="lab_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders_0647b6b7-ad11-4c27-8eda-c53a70de59ac_terseLabel_en-US" xlink:label="lab_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income available to common stockholders</link:label>
    <link:label id="lab_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders_label_en-US" xlink:label="lab_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisitions, Pro Forma Net Income Available To Common Stockholders</link:label>
    <link:label id="lab_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders_documentation_en-US" xlink:label="lab_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Acquisitions, Pro Forma Net Income Available To Common Stockholders</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" xlink:href="fbc-20231231.xsd#fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" xlink:to="lab_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTable_acbc182c-aeac-4e40-9f0b-ebe5721c21f2_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event [Table]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTable_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTable" xlink:to="lab_us-gaap_SubsequentEventTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnfundedLoanCommitmentMember_444a64e1-ea7c-4548-bd5d-1e0b930c2083_terseLabel_en-US" xlink:label="lab_us-gaap_UnfundedLoanCommitmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total loan commitments</link:label>
    <link:label id="lab_us-gaap_UnfundedLoanCommitmentMember_label_en-US" xlink:label="lab_us-gaap_UnfundedLoanCommitmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unfunded Loan Commitment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember" xlink:to="lab_us-gaap_UnfundedLoanCommitmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_3f43d6cc-01d1-4bf3-a1d2-994d04f7d01d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Quantitative Disclosures</link:label>
    <link:label id="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Quantitative Disclosures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:to="lab_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_1eaf5a47-1c92-4fe5-bcf6-df8fb1f982a0_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:to="lab_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Capital_2ccdff8d-72d9-49cd-a29b-ba4568d221e6_terseLabel_en-US" xlink:label="lab_us-gaap_Capital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital, amount</link:label>
    <link:label id="lab_us-gaap_Capital_label_en-US" xlink:label="lab_us-gaap_Capital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Capital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Capital" xlink:to="lab_us-gaap_Capital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_9878a8e6-3dc2-42b9-b19b-58f8081b743a_totalLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total accumulated other comprehensive loss (pre-tax)</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax" xlink:to="lab_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventMember_0952dc4b-03fb-479f-b11a-f37029c905e4_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event</link:label>
    <link:label id="lab_us-gaap_SubsequentEventMember_label_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventMember" xlink:to="lab_us-gaap_SubsequentEventMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued_b1cefb2a-46b4-4d28-8195-959dfaa4dea3_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income tax accrued interest expense and penalties</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoanRestructuringModificationDomain_2f85731f-0231-44cb-9b8d-e14dc98a4332_terseLabel_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Domain]</link:label>
    <link:label id="lab_us-gaap_LoanRestructuringModificationDomain_label_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain" xlink:to="lab_us-gaap_LoanRestructuringModificationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock_e775b59a-074e-4685-bdd1-76862f7c9de1_terseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maturity Analysis of Undiscounted Lease Receivables</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-Type and Direct Financing Leases, Payment to be Received, Maturity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_7639027e-46b1-4b2b-835e-ae78dfacd672_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_df20f6d9-9a07-4e2c-9de0-535439bedfe1_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Statement</link:label>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="lab_us-gaap_IncomeStatementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_988ebbee-fd6e-4007-b63b-1024158e2ce1_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Core deposit and other intangibles</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Intangibles</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles" xlink:to="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfInvestmentsLineItems_125b102a-e854-41b0-8cfe-33625075b6af_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfInvestmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Investments [Line Items]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfInvestmentsLineItems_label_en-US" xlink:label="lab_us-gaap_ScheduleOfInvestmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Investments [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems" xlink:to="lab_us-gaap_ScheduleOfInvestmentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues_512a553d-b17e-41f0-9704-e5304ca640ee_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance and exercise of FDIC Equity appreciation instrument (in shares)</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Shares, New Issues</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SensitivityAnalysisActualAbstract_ece0461b-f50b-4c7a-97ca-0650d63fd4ee_terseLabel_en-US" xlink:label="lab_fbc_SensitivityAnalysisActualAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisActualAbstract_label_en-US" xlink:label="lab_fbc_SensitivityAnalysisActualAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Actual [Abstract]</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisActualAbstract_documentation_en-US" xlink:label="lab_fbc_SensitivityAnalysisActualAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Actual [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisActualAbstract" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisActualAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SensitivityAnalysisActualAbstract" xlink:to="lab_fbc_SensitivityAnalysisActualAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_5742701f-1645-46dd-978e-8f68e91e5744_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Category [Axis]</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Category [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:to="lab_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Adopted</link:label>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag_label_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:to="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_bb4d167d-4324-42e7-98e0-17a038ed84c8_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_WeightedAverageRateDepositLiabilities_733711c0-db4c-40a2-863b-7a2c65fb1cb2_terseLabel_en-US" xlink:label="lab_fbc_WeightedAverageRateDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total deposits</link:label>
    <link:label id="lab_fbc_WeightedAverageRateDepositLiabilities_label_en-US" xlink:label="lab_fbc_WeightedAverageRateDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Deposit Liabilities</link:label>
    <link:label id="lab_fbc_WeightedAverageRateDepositLiabilities_documentation_en-US" xlink:label="lab_fbc_WeightedAverageRateDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Deposit Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WeightedAverageRateDepositLiabilities" xlink:href="fbc-20231231.xsd#fbc_WeightedAverageRateDepositLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_WeightedAverageRateDepositLiabilities" xlink:to="lab_fbc_WeightedAverageRateDepositLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_EquityCapitalRaiseMember_29be6627-cb49-4612-bac1-fe70b909b83a_terseLabel_en-US" xlink:label="lab_fbc_EquityCapitalRaiseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Capital Raise</link:label>
    <link:label id="lab_fbc_EquityCapitalRaiseMember_label_en-US" xlink:label="lab_fbc_EquityCapitalRaiseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Capital Raise [Member]</link:label>
    <link:label id="lab_fbc_EquityCapitalRaiseMember_documentation_en-US" xlink:label="lab_fbc_EquityCapitalRaiseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Equity Capital Raise</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquityCapitalRaiseMember" xlink:href="fbc-20231231.xsd#fbc_EquityCapitalRaiseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_EquityCapitalRaiseMember" xlink:to="lab_fbc_EquityCapitalRaiseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_d34ebde7-45bc-4048-9621-9555083c54ec_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Components of net periodic pension expense (credit):</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:to="lab_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems_cfb94725-e1a8-4ed1-835c-801d31e36d2f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Recorded Investment</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilities_f3c6648a-9a85-4662-a942-0af952dbf796_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Amount Presented in the Statements of Condition</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_87ca320b-dd4e-4a1e-96de-077234c51afe_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative liabilities</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_05b9b9b4-235d-40b5-92d5-1de12f0a5850_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Rate lock commitments (net)</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilities" xlink:to="lab_us-gaap_DerivativeLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxAssetsAccruedExpenses_3a0f6c30-5bb1-49bf-ab0a-9c56f50791e7_terseLabel_en-US" xlink:label="lab_fbc_DeferredTaxAssetsAccruedExpenses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued Expenses</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsAccruedExpenses_label_en-US" xlink:label="lab_fbc_DeferredTaxAssetsAccruedExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Accrued Expenses</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsAccruedExpenses_documentation_en-US" xlink:label="lab_fbc_DeferredTaxAssetsAccruedExpenses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Accrued Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsAccruedExpenses" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsAccruedExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxAssetsAccruedExpenses" xlink:to="lab_fbc_DeferredTaxAssetsAccruedExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss_f6d56b5a-ca58-4bdd-bb07-091d728d76c3_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition, Pro Forma Net Income (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss" xlink:to="lab_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ForeignNotesMember_ffedd67e-37f0-4a72-85e8-28a041befba6_terseLabel_en-US" xlink:label="lab_fbc_ForeignNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign notes</link:label>
    <link:label id="lab_fbc_ForeignNotesMember_label_en-US" xlink:label="lab_fbc_ForeignNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Notes [Member]</link:label>
    <link:label id="lab_fbc_ForeignNotesMember_documentation_en-US" xlink:label="lab_fbc_ForeignNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Foreign Notes</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForeignNotesMember" xlink:href="fbc-20231231.xsd#fbc_ForeignNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ForeignNotesMember" xlink:to="lab_fbc_ForeignNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_348fcac6-d342-40a5-a7db-937d166981e5_terseLabel_en-US" xlink:label="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum</link:label>
    <link:label id="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_label_en-US" xlink:label="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:to="lab_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_e7b51337-2a7e-4906-9481-512a65e5af41_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision at statutory federal income tax rate</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:to="lab_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NewYorkCommunityCapitalTrustXMember_57278841-2301-4914-a8c4-e09a90325727_terseLabel_en-US" xlink:label="lab_fbc_NewYorkCommunityCapitalTrustXMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New York Community Capital Trust X</link:label>
    <link:label id="lab_fbc_NewYorkCommunityCapitalTrustXMember_label_en-US" xlink:label="lab_fbc_NewYorkCommunityCapitalTrustXMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New York Community Capital Trust X [Member]</link:label>
    <link:label id="lab_fbc_NewYorkCommunityCapitalTrustXMember_documentation_en-US" xlink:label="lab_fbc_NewYorkCommunityCapitalTrustXMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">New York Community Capital Trust X</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustXMember" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustXMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NewYorkCommunityCapitalTrustXMember" xlink:to="lab_fbc_NewYorkCommunityCapitalTrustXMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax_240209db-29f4-46d3-a969-d93aaf3d5474_terseLabel_en-US" xlink:label="lab_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized loss on pension and post-retirement obligations, tax</link:label>
    <link:label id="lab_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax_label_en-US" xlink:label="lab_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, Tax</link:label>
    <link:label id="lab_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax_documentation_en-US" xlink:label="lab_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" xlink:href="fbc-20231231.xsd#fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" xlink:to="lab_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_InterestRateSwapsFHLBAdvancesMember_dd0d1cba-b75a-485c-9e44-2520d3788a90_terseLabel_en-US" xlink:label="lab_fbc_InterestRateSwapsFHLBAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swaps</link:label>
    <link:label id="lab_fbc_InterestRateSwapsFHLBAdvancesMember_label_en-US" xlink:label="lab_fbc_InterestRateSwapsFHLBAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Swaps, FHLB Advances [Member]</link:label>
    <link:label id="lab_fbc_InterestRateSwapsFHLBAdvancesMember_documentation_en-US" xlink:label="lab_fbc_InterestRateSwapsFHLBAdvancesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Rate Swaps, FHLB Advances [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsFHLBAdvancesMember" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsFHLBAdvancesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_InterestRateSwapsFHLBAdvancesMember" xlink:to="lab_fbc_InterestRateSwapsFHLBAdvancesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_b9c4e1da-2d03-4fe3-ae4e-8358948480e7_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive gain (loss), net of tax:</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Tax [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossTaxAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossTaxAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherCommitmentsDomain_d7b17a8d-9533-410e-8ffe-d78d19bfcc05_terseLabel_en-US" xlink:label="lab_us-gaap_OtherCommitmentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Commitments [Domain]</link:label>
    <link:label id="lab_us-gaap_OtherCommitmentsDomain_label_en-US" xlink:label="lab_us-gaap_OtherCommitmentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherCommitmentsDomain" xlink:to="lab_us-gaap_OtherCommitmentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference_dd4bcb44-2bda-4636-abb8-b904e6e5aaf3_totalLabel_en-US" xlink:label="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Fair Value Over / (Under) UPB</link:label>
    <link:label id="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference_label_en-US" xlink:label="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held as Assets, Aggregate Difference</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference" xlink:to="lab_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_8297f04d-8b11-4e13-8a33-a22b26d17af0_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for capital adequacy, ratio</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital Ratio, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:to="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_0f8d9b13-3372-44a6-b029-48d62d111a6d_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentAxis" xlink:to="lab_us-gaap_FinancialInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromInvestingActivitiesAbstract_197711b7-df14-4788-b0e8-14ede35a27ab_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOWS FROM INVESTING ACTIVITIES:</link:label>
    <link:label id="lab_us-gaap_ProceedsFromInvestingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_ProceedsFromInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Investing Activities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromInvestingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract" xlink:to="lab_us-gaap_ProceedsFromInvestingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount_d8363cf0-eb70-4ae1-ad20-92fdd1b0f685_terseLabel_en-US" xlink:label="lab_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Affordable housing tax credit write down</link:label>
    <link:label id="lab_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount_label_en-US" xlink:label="lab_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Affordable Housing Project Investment, Write-down, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AffordableHousingProjectInvestmentWriteDownAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount" xlink:to="lab_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance_eb333abc-143f-4249-a374-681b057f64e4_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total nonaccrual loans - Related Allowance</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Financing Receivable, Related Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:to="lab_us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_1ddda3f7-a3e7-4204-a0b7-5e4ad007cc2b_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Fair value of net identifiable assets</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_f3e603a9-2bd2-4cfa-a02b-ffa7c12dd6e1_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value adjustment</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Consideration Transferred</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:to="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnAmt_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TotalShareholderRtnAmt" xlink:to="lab_ecd_TotalShareholderRtnAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_16da30fa-180c-46df-a6b3-c38551287dd0_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock repurchased</link:label>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_72cfe0ab-29ac-4dad-9932-188b76488096_terseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury stock repurchased</link:label>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_label_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Repurchase of Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:to="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_22d075df-8458-4b99-a35d-39373b8ac983_terseLabel_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_label_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCommonStockSharesOutstanding" xlink:to="lab_dei_EntityCommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_33dfd9dd-6885-437e-b065-281f2186502b_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Label CMOs</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_label_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage-Backed Securities, Issued by Private Enterprises [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:to="lab_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToPeoCompFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AdjToPeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment To PEO Compensation, Footnote</link:label>
    <link:label id="lab_ecd_AdjToPeoCompFnTextBlock_label_en-US" xlink:label="lab_ecd_AdjToPeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment To PEO Compensation, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToPeoCompFnTextBlock" xlink:to="lab_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_8855160d-9ae8-4de4-ba68-6a53de63af73_terseLabel_en-US" xlink:label="lab_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash investing and financing activities:</link:label>
    <link:label id="lab_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow, Noncash Investing and Financing Activities Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:to="lab_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_ceb6cc94-237b-437d-b1b6-c560853ade0e_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Statements of Condition</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Balance Sheet [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScheduleOfCondensedBalanceSheetTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsLineItems_770376a8-75c3-4dd9-a0f9-04dd2d491007_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified [Line Items]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsLineItems_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems" xlink:to="lab_us-gaap_FinancingReceivableModificationsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_a8bc7279-496f-41b5-af17-11ee111e35e1_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Not Primary Beneficiary</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Not Primary Beneficiary [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:to="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_CommercialRealEstateLoansMember_ab26af7f-e2dc-43e8-8227-50f3a02a7a67_terseLabel_en-US" xlink:label="lab_fbc_CommercialRealEstateLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial real estate</link:label>
    <link:label id="lab_fbc_CommercialRealEstateLoansMember_label_en-US" xlink:label="lab_fbc_CommercialRealEstateLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial Real Estate Loans [Member]</link:label>
    <link:label id="lab_fbc_CommercialRealEstateLoansMember_documentation_en-US" xlink:label="lab_fbc_CommercialRealEstateLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Portfolio segment of the company's total financing receivables related to commercial real estate loans that are collateralized by real estate properties intended to be income-producing in the normal course of business.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_CommercialRealEstateLoansMember" xlink:to="lab_fbc_CommercialRealEstateLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_9137998d-7acd-4a05-ad85-3001b1baff8f_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFour_784ae983-6d60-4780-b16f-3d1ba54115fc_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 3 years through 4 years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearFour_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearFour" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_d762b278-7183-4cf4-8ae2-fdb68c69203c_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained earnings</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_f36cfdba-f37d-4918-97c1-5e2f0a786c28_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Category [Line Items]</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Category [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems" xlink:to="lab_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralDomain_b4c9b1b3-128b-4538-8fc4-2d55ebdc4345_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral [Domain]</link:label>
    <link:label id="lab_us-gaap_CollateralDomain_label_en-US" xlink:label="lab_us-gaap_CollateralDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Held [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralDomain" xlink:to="lab_us-gaap_CollateralDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_bfd8db8f-a4fa-4799-ad3c-35cecc943f7a_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Original Issue Amount</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Face Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentFaceAmount" xlink:to="lab_us-gaap_DebtInstrumentFaceAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares_3550596f-4cd6-4898-90de-0aec2655fb18_terseLabel_en-US" xlink:label="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Settlement terms, fair value of shares amount</link:label>
    <link:label id="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares_label_en-US" xlink:label="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments Subject to Mandatory Redemption, Settlement Terms, Fair Value of Shares</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares" xlink:to="lab_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SignatureBridgeBankMember_eeea751a-f0b8-4f07-9024-bee0016cdb0d_terseLabel_en-US" xlink:label="lab_fbc_SignatureBridgeBankMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Signature Bridge Bank</link:label>
    <link:label id="lab_fbc_SignatureBridgeBankMember_label_en-US" xlink:label="lab_fbc_SignatureBridgeBankMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Signature Bridge Bank [Member]</link:label>
    <link:label id="lab_fbc_SignatureBridgeBankMember_documentation_en-US" xlink:label="lab_fbc_SignatureBridgeBankMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Signature Bridge Bank</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SignatureBridgeBankMember" xlink:to="lab_fbc_SignatureBridgeBankMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LeasesAbstract_label_en-US" xlink:label="lab_us-gaap_LeasesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Leases [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LeasesAbstract" xlink:to="lab_us-gaap_LeasesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherCommitmentsLineItems_ae65efac-da25-4ca3-be90-c673e3019c06_terseLabel_en-US" xlink:label="lab_us-gaap_OtherCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Commitments [Line Items]</link:label>
    <link:label id="lab_us-gaap_OtherCommitmentsLineItems_label_en-US" xlink:label="lab_us-gaap_OtherCommitmentsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherCommitmentsLineItems" xlink:to="lab_us-gaap_OtherCommitmentsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_f7b1b4a6-cae2-4499-9057-8a5e00beea28_terseLabel_en-US" xlink:label="lab_us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets:</link:label>
    <link:label id="lab_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_label_en-US" xlink:label="lab_us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Components of Deferred Tax Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:to="lab_us-gaap_ComponentsOfDeferredTaxAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_CT_4debe44f-0c2b-484f-ae23-95c838a520ba_terseLabel_en-US" xlink:label="lab_stpr_CT" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Connecticut</link:label>
    <link:label id="lab_stpr_CT_label_en-US" xlink:label="lab_stpr_CT" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">CONNECTICUT</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CT" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_CT"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_CT" xlink:to="lab_stpr_CT" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressStateOrProvince_092b3da1-d536-47dc-8c80-803ccb048e5f_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IPOMember_910bd707-0b49-473e-9380-f2db9f1a9c1e_terseLabel_en-US" xlink:label="lab_us-gaap_IPOMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">IPO</link:label>
    <link:label id="lab_us-gaap_IPOMember_label_en-US" xlink:label="lab_us-gaap_IPOMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">IPO [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IPOMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IPOMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IPOMember" xlink:to="lab_us-gaap_IPOMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightDomain_aed9a4a5-ae7b-42f3-a752-0b1f1a45c553_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right [Domain]</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightDomain_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain" xlink:to="lab_us-gaap_ClassOfWarrantOrRightDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_e1a3f8ac-e85d-4815-99ed-38179f833d5b_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from repayment of securities available for sale</link:label>
    <link:label id="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_label_en-US" xlink:label="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:to="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_ca08bda5-e847-4e16-bfdd-59e51c8eef7f_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NON-INTEREST INCOME:</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeAbstract" xlink:to="lab_us-gaap_NoninterestIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_CA_abe0f6f6-993f-4761-bb6f-639ccf86d219_terseLabel_en-US" xlink:label="lab_stpr_CA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">California</link:label>
    <link:label id="lab_stpr_CA_label_en-US" xlink:label="lab_stpr_CA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">CALIFORNIA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_CA"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_CA" xlink:to="lab_stpr_CA" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_bc6a14d1-442c-4874-b888-f83ed5867f09_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Statements of Income</link:label>
    <link:label id="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_label_en-US" xlink:label="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Income Statement [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScheduleOfCondensedIncomeStatementTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:to="lab_srt_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_8f8780b4-edff-4efc-a726-f2e202018ba6_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss) [Line Items]</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss) [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAsset_5d5a1fe5-0719-4e48-9dc3-00645c1231b4_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAsset_3879ecd1-33e0-45a9-bf4f-67d5e7d52fe3_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Amount</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAsset_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, before Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_634b66ea-9feb-4883-aee9-c6146a3c591a_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital, ratio</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfStockDomain_3ccca778-885f-4113-b09a-15fecc35cc60_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockDomain_label_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="lab_us-gaap_ClassOfStockDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_6c57a86f-6e18-450a-aa3e-a01be1715129_terseLabel_en-US" xlink:label="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Branch [Domain]</link:label>
    <link:label id="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_label_en-US" xlink:label="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Branch [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain" xlink:to="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_eadb76aa-3065-4591-90bf-940a57203742_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:to="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_8720f016-7dd9-4643-bf69-c14e98a1c40a_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net (loss) income available to common stockholders</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_6bbddc6c-22f7-49cc-b3de-a7fe4755c9fc_verboseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net (loss) income available to common stockholders</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax_997519ad-c25b-416e-93ba-f6bc065f9d6f_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total recognized in other comprehensive income for the year (pre-tax)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive (Income) Loss, Defined Benefit Plan, Reclassification Adjustment from AOCI, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseLiability_0a35b370-a286-4044-8150-6a824b5bdd46_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating lease liabilities</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseLiability_7a07c981-dd8e-4c3e-9321-a4191f617e00_verboseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiability" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total present value of lease liabilities</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseLiability_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseLiability" xlink:to="lab_us-gaap_OperatingLeaseLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_AcquisitionDevelopmentAndConstructionMember_507eb854-6b0e-45f0-adcd-ee62b80a929e_terseLabel_en-US" xlink:label="lab_fbc_AcquisitionDevelopmentAndConstructionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition, development, and construction</link:label>
    <link:label id="lab_fbc_AcquisitionDevelopmentAndConstructionMember_label_en-US" xlink:label="lab_fbc_AcquisitionDevelopmentAndConstructionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Acquisition Development And Construction [Member]</link:label>
    <link:label id="lab_fbc_AcquisitionDevelopmentAndConstructionMember_documentation_en-US" xlink:label="lab_fbc_AcquisitionDevelopmentAndConstructionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Acquisition Development And Construction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionMember" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_AcquisitionDevelopmentAndConstructionMember" xlink:to="lab_fbc_AcquisitionDevelopmentAndConstructionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_76d3021f-6d7e-4c74-9512-8c3fe1656a43_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Low income housing tax credits</link:label>
    <link:label id="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_label_en-US" xlink:label="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization Method Qualified Affordable Housing Project Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:to="lab_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour_bd0fbe54-79af-47cb-bb47-5455dd911363_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Rolling Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:to="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_9383dc40-f490-4915-a128-6cc2d54f0ff2_verboseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Loss, Net of Tax</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI Attributable to Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtErrCompAmt_terseLabel_en-US" xlink:label="lab_ecd_AggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Amount</link:label>
    <link:label id="lab_ecd_AggtErrCompAmt_label_en-US" xlink:label="lab_ecd_AggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AggtErrCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtErrCompAmt" xlink:to="lab_ecd_AggtErrCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear_a37f9555-dc11-4040-9735-1dd51a6dbcd2_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB advances, weighted average interest rate</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate for Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedContributionPlanCostRecognized_81fa7207-bc71-4840-bb5d-07e0b663000a_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanCostRecognized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">401(k) plan contributions by employer</link:label>
    <link:label id="lab_us-gaap_DefinedContributionPlanCostRecognized_label_en-US" xlink:label="lab_us-gaap_DefinedContributionPlanCostRecognized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Contribution Plan, Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanCostRecognized" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedContributionPlanCostRecognized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedContributionPlanCostRecognized" xlink:to="lab_us-gaap_DefinedContributionPlanCostRecognized" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_terseLabel_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Executive Categories</link:label>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_label_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Executive Categories [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="lab_ecd_AllExecutiveCategoriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments_e935c425-55c0-4447-b847-dac5ce40f65f_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other, net</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Other Adjustments, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:to="lab_us-gaap_IncomeTaxReconciliationOtherAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_7d01990d-6866-44d3-b3f2-c36d4db35d28_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss) [Table]</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss) [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpense_3d24f251-7d7f-45df-86d1-18fae73ea264_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total non-interest expense</link:label>
    <link:label id="lab_us-gaap_NoninterestExpense_label_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpense" xlink:to="lab_us-gaap_NoninterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDeposits_9fc580df-6109-4a51-b29c-413745425e3d_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_us-gaap_TimeDeposits_label_en-US" xlink:label="lab_us-gaap_TimeDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDeposits" xlink:to="lab_us-gaap_TimeDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_7e3c1789-94ed-41a7-89c6-2cd46b7b9e09_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Defined Benefit Plans Adjustment Attributable to Parent</link:label>
    <link:label id="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:to="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtDisclosureAbstract_3fadf446-a118-48ce-bbdb-c24fb6b9a69b_terseLabel_en-US" xlink:label="lab_us-gaap_DebtDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Abstract]</link:label>
    <link:label id="lab_us-gaap_DebtDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureAbstract" xlink:to="lab_us-gaap_DebtDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeCollateralObligationToReturnSecurities_a8db1d55-6bf6-4e96-806c-0e9f30ba9e2e_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeCollateralObligationToReturnSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeCollateralObligationToReturnSecurities_label_en-US" xlink:label="lab_us-gaap_DerivativeCollateralObligationToReturnSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Security Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities" xlink:to="lab_us-gaap_DerivativeCollateralObligationToReturnSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_c880d232-e75f-401d-81af-56457189cf34_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest receivable</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Accrued Interest, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" xlink:to="lab_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_c1007ddc-2e32-4fa9-9e12-e9cdab9391b1_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings Per Share [Abstract]</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareAbstract" xlink:to="lab_us-gaap_EarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_42f005ac-6c99-403e-8098-adbd633ffc3e_terseLabel_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for capital adequacy, ratio</link:label>
    <link:label id="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="lab_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StatisticalDisclosureForBanksAbstract_label_en-US" xlink:label="lab_srt_StatisticalDisclosureForBanksAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Disclosure for Banks [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatisticalDisclosureForBanksAbstract" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatisticalDisclosureForBanksAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract" xlink:to="lab_srt_StatisticalDisclosureForBanksAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockValue_b51d1e6d-7536-4d6b-b08f-d5c283d22eca_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock at par $0.01 (900,000,000 shares authorized; 744,155,791 and 705,429,386 shares issued; and 722,066,370 and 681,217,334 shares outstanding, respectively)</link:label>
    <link:label id="lab_us-gaap_CommonStockValue_label_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Value, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockValue" xlink:to="lab_us-gaap_CommonStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommercialRealEstateMember_0c659f55-cba0-484a-af1b-ab4186fdc4ec_terseLabel_en-US" xlink:label="lab_us-gaap_CommercialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial real estate</link:label>
    <link:label id="lab_us-gaap_CommercialRealEstateMember_label_en-US" xlink:label="lab_us-gaap_CommercialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial Real Estate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialRealEstateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialRealEstateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommercialRealEstateMember" xlink:to="lab_us-gaap_CommercialRealEstateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities_e4cd5c34-4ac6-4fcb-8424-df91033dc30c_terseLabel_en-US" xlink:label="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition accounting and fair value adjustments on securities (including OTTI)</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities_label_en-US" xlink:label="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Securities</link:label>
    <link:label id="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities_documentation_en-US" xlink:label="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" xlink:to="lab_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_16b035b8-c288-4f96-a893-1634eaf245dd_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets Measured at Fair Value on a Nonrecurring Basis</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurements, Nonrecurring [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_9a53e64b-c365-48d0-936e-15aae7f73a8c_terseLabel_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Abstract]</link:label>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_label_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:to="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal_1007e3a0-1955-4676-a5a6-722babaf26eb_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total state net operating loss carryforwards</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Operating Loss Carryforwards, State and Local</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal" xlink:to="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_WeightedAverageCosttoServicePerLoanMember_0f933a87-b633-4f72-ad61-56307ebfdd1d_terseLabel_en-US" xlink:label="lab_fbc_WeightedAverageCosttoServicePerLoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average cost to service per loan</link:label>
    <link:label id="lab_fbc_WeightedAverageCosttoServicePerLoanMember_label_en-US" xlink:label="lab_fbc_WeightedAverageCosttoServicePerLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Cost to Service Per Loan [Member]</link:label>
    <link:label id="lab_fbc_WeightedAverageCosttoServicePerLoanMember_documentation_en-US" xlink:label="lab_fbc_WeightedAverageCosttoServicePerLoanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Weighted Average Cost to Service Per Loan [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WeightedAverageCosttoServicePerLoanMember" xlink:href="fbc-20231231.xsd#fbc_WeightedAverageCosttoServicePerLoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_WeightedAverageCosttoServicePerLoanMember" xlink:to="lab_fbc_WeightedAverageCosttoServicePerLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_31f8532c-1486-41c8-8a21-59047a2f824b_terseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_1ac4fbfa-6b32-4d9e-b01c-d9e8c8d84af0_totalLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_label_en-US" xlink:label="lab_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Domestic Deposit, Certificates of Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:to="lab_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FourthFundsTargetsInvestmentsMember_cfc6dc7e-8c1e-4587-977e-63629c9788ef_terseLabel_en-US" xlink:label="lab_fbc_FourthFundsTargetsInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fourth Funds Targets Investments</link:label>
    <link:label id="lab_fbc_FourthFundsTargetsInvestmentsMember_label_en-US" xlink:label="lab_fbc_FourthFundsTargetsInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fourth Funds Targets Investments [Member]</link:label>
    <link:label id="lab_fbc_FourthFundsTargetsInvestmentsMember_documentation_en-US" xlink:label="lab_fbc_FourthFundsTargetsInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fourth Funds Targets Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FourthFundsTargetsInvestmentsMember" xlink:href="fbc-20231231.xsd#fbc_FourthFundsTargetsInvestmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FourthFundsTargetsInvestmentsMember" xlink:to="lab_fbc_FourthFundsTargetsInvestmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestPayableCurrentAndNoncurrent_c3e44d43-cb8e-4b8d-944f-2f3387ae8a19_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest payable</link:label>
    <link:label id="lab_us-gaap_InterestPayableCurrentAndNoncurrent_label_en-US" xlink:label="lab_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:to="lab_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_5631ca93-3965-47f4-8cbc-a564d2632ccc_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Adoption of New Accounting Standards</link:label>
    <link:label id="lab_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Standards Update and Change in Accounting Principle [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:to="lab_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_57f386c3-2406-4bea-abbd-10ef3828d242_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Defined Benefit Plans Disclosures [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Defined Benefit Plans Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:to="lab_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedCash_5cff2175-4dd8-41c7-88b6-38a2d88429e3_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted cash</link:label>
    <link:label id="lab_us-gaap_RestrictedCash_label_en-US" xlink:label="lab_us-gaap_RestrictedCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCash" xlink:to="lab_us-gaap_RestrictedCash" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllIndividualsMember_terseLabel_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Individuals</link:label>
    <link:label id="lab_ecd_AllIndividualsMember_label_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Individuals [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllIndividualsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="lab_ecd_AllIndividualsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount_1728d4f2-e522-4b7e-aa10-0e4707933856_negatedTerseLabel_en-US" xlink:label="lab_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other servicing charges</link:label>
    <link:label id="lab_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount_label_en-US" xlink:label="lab_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Servicing Charges Generated by Servicing Financial Assets, Amount</link:label>
    <link:label id="lab_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount_documentation_en-US" xlink:label="lab_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The total amount of other servicing charges earned on loans serviced and subserviced for others during the period for which results of operations are presented.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" xlink:href="fbc-20231231.xsd#fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" xlink:to="lab_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_WarrantsAndRightsOutstandingNoncallableTerm_61117d01-617b-4fcc-bb51-38e0620d6fc1_terseLabel_en-US" xlink:label="lab_fbc_WarrantsAndRightsOutstandingNoncallableTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Noncallable term</link:label>
    <link:label id="lab_fbc_WarrantsAndRightsOutstandingNoncallableTerm_label_en-US" xlink:label="lab_fbc_WarrantsAndRightsOutstandingNoncallableTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warrants And Rights Outstanding, Noncallable Term</link:label>
    <link:label id="lab_fbc_WarrantsAndRightsOutstandingNoncallableTerm_documentation_en-US" xlink:label="lab_fbc_WarrantsAndRightsOutstandingNoncallableTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Warrants And Rights Outstanding, Noncallable Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WarrantsAndRightsOutstandingNoncallableTerm" xlink:href="fbc-20231231.xsd#fbc_WarrantsAndRightsOutstandingNoncallableTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_WarrantsAndRightsOutstandingNoncallableTerm" xlink:to="lab_fbc_WarrantsAndRightsOutstandingNoncallableTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFilerCategory_3abd8a93-bc19-4ace-8239-4290b8dc18fc_verboseLabel_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:label id="lab_dei_EntityFilerCategory_label_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFilerCategory"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFilerCategory" xlink:to="lab_dei_EntityFilerCategory" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NonaccrualLoansMember_c09f888b-b7f9-49c8-af26-b2b5e936792b_terseLabel_en-US" xlink:label="lab_fbc_NonaccrualLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonaccrual loans:</link:label>
    <link:label id="lab_fbc_NonaccrualLoansMember_label_en-US" xlink:label="lab_fbc_NonaccrualLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nonaccrual Loans [Member]</link:label>
    <link:label id="lab_fbc_NonaccrualLoansMember_documentation_en-US" xlink:label="lab_fbc_NonaccrualLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Nonaccrual Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NonaccrualLoansMember" xlink:href="fbc-20231231.xsd#fbc_NonaccrualLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NonaccrualLoansMember" xlink:to="lab_fbc_NonaccrualLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_CommercialAndIndustrialLoansMember_7de984d7-ab9c-4a7c-88af-4cbb82022fab_terseLabel_en-US" xlink:label="lab_fbc_CommercialAndIndustrialLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial and industrial</link:label>
    <link:label id="lab_fbc_CommercialAndIndustrialLoansMember_label_en-US" xlink:label="lab_fbc_CommercialAndIndustrialLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial and Industrial Loans [Member]</link:label>
    <link:label id="lab_fbc_CommercialAndIndustrialLoansMember_documentation_en-US" xlink:label="lab_fbc_CommercialAndIndustrialLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Portfolio segment of the company's total financing receivables related to commercial and industrial loans, which includes lines of credit to small or middle market businesses for use in normal business operations to finance working capital needs, equipment purchases and expansion projects.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_CommercialAndIndustrialLoansMember" xlink:to="lab_fbc_CommercialAndIndustrialLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoAvgTotalCompAmt_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Total Compensation Amount</link:label>
    <link:label id="lab_ecd_NonPeoNeoAvgTotalCompAmt_label_en-US" xlink:label="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Total Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:to="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementTable_4748047f-3e0a-4357-bec4-c4f1fbaeb293_terseLabel_en-US" xlink:label="lab_us-gaap_StatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
    <link:label id="lab_us-gaap_StatementTable_label_en-US" xlink:label="lab_us-gaap_StatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementTable" xlink:to="lab_us-gaap_StatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_96140bed-1711-444d-bad6-698b0924e14d_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockRepurchaseProgramAuthorizedAmount1_8baf1da4-701b-4b22-aa90-e3ead6fe8c77_terseLabel_en-US" xlink:label="lab_us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock repurchased authorized amount</link:label>
    <link:label id="lab_us-gaap_StockRepurchaseProgramAuthorizedAmount1_label_en-US" xlink:label="lab_us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Repurchase Program, Authorized Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:to="lab_us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset_ce40acc4-1519-48c5-974f-4feb0b60ad46_terseLabel_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net investment in the lease - unguaranteed residual assets</link:label>
    <link:label id="lab_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset_label_en-US" xlink:label="lab_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Direct Financing Lease, Unguaranteed Residual Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset" xlink:to="lab_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate_77782079-6f9c-45cd-9e72-f095c552e68f_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FHLB lock out term</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Maturity Period, Fixed Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_7c2ac835-1843-443e-99ff-07e4682c4f65_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Differences Between the Effective Tax Rate and the Statutory Federal Tax Rate</link:label>
    <link:label id="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseLongTermDebt_b9acdab3-307d-479a-8bb7-e4dbbe9bac67_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Borrowed funds</link:label>
    <link:label id="lab_us-gaap_InterestExpenseLongTermDebt_label_en-US" xlink:label="lab_us-gaap_InterestExpenseLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseLongTermDebt" xlink:to="lab_us-gaap_InterestExpenseLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_cec27f99-0850-45fe-b8f5-b0f4d79dfa37_totalLabel_en-US" xlink:label="lab_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total commitments</link:label>
    <link:label id="lab_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_label_en-US" xlink:label="lab_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments And Guarantor Obligations, Maximum Exposure, Undiscounted</link:label>
    <link:label id="lab_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_documentation_en-US" xlink:label="lab_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other Commitments And Guarantor Obligations, Maximum Exposure, Undiscounted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" xlink:href="fbc-20231231.xsd#fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" xlink:to="lab_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock_ecb9c95c-c60b-4c91-9c12-9c68698edd11_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss)</link:label>
    <link:label id="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_a12d982a-116c-4b38-b5ff-04e2fff0f18b_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrecognized tax benefits</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_fdf2f7c4-aab8-4718-94de-ef3844e8afd7_periodStartLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance, beginning of year</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_f508de06-aa2b-4909-8c66-f4338b0b2a9e_periodEndLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance, end of year</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefits_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefits" xlink:to="lab_us-gaap_UnrecognizedTaxBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_5bc1deca-835d-4405-8382-74f703e8ea09_terseLabel_en-US" xlink:label="lab_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New York Community Capital Trust V (BONUSES Units)</link:label>
    <link:label id="lab_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_label_en-US" xlink:label="lab_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New York Community Capital Trust V (BONUSES Units) [Member]</link:label>
    <link:label id="lab_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_documentation_en-US" xlink:label="lab_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">New York Community Capital Trust V (BONUSES Units)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember" xlink:to="lab_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ServicingAssetatFairValueNetTransactionCosts_3d387ace-068f-4741-860a-b073c41694f5_terseLabel_en-US" xlink:label="lab_fbc_ServicingAssetatFairValueNetTransactionCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net transaction costs</link:label>
    <link:label id="lab_fbc_ServicingAssetatFairValueNetTransactionCosts_label_en-US" xlink:label="lab_fbc_ServicingAssetatFairValueNetTransactionCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Net Transaction Costs</link:label>
    <link:label id="lab_fbc_ServicingAssetatFairValueNetTransactionCosts_documentation_en-US" xlink:label="lab_fbc_ServicingAssetatFairValueNetTransactionCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The total amount of net transaction costs earned on loans serviced and subserviced for others during the period for which results of operations are presented.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ServicingAssetatFairValueNetTransactionCosts" xlink:href="fbc-20231231.xsd#fbc_ServicingAssetatFairValueNetTransactionCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ServicingAssetatFairValueNetTransactionCosts" xlink:to="lab_fbc_ServicingAssetatFairValueNetTransactionCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoName_terseLabel_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:label id="lab_ecd_PeoName_label_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoName" xlink:to="lab_ecd_PeoName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_ab42ec1a-7ab7-4303-8216-8e3f3602ed2d_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PassMember_07177d10-4189-48b5-a87b-dc8ff075d15b_terseLabel_en-US" xlink:label="lab_us-gaap_PassMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pass</link:label>
    <link:label id="lab_us-gaap_PassMember_label_en-US" xlink:label="lab_us-gaap_PassMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pass [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PassMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PassMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PassMember" xlink:to="lab_us-gaap_PassMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTable_c5cffc09-700d-4138-8ad9-74d10c49928c_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueByBalanceSheetGroupingTable_label_en-US" xlink:label="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:to="lab_us-gaap_FairValueByBalanceSheetGroupingTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown_01296559-09df-4feb-a105-d324f45e4a22_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Charge- off Amount</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown" xlink:to="lab_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_8d11d721-646e-493e-80cf-fb1de65316f2_terseLabel_en-US" xlink:label="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Financial Information Disclosure [Abstract]</link:label>
    <link:label id="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_label_en-US" xlink:label="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Financial Information Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:to="lab_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesAuthorized_52e91a9e-54c4-4a82-bf3c-f63d972b8025_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, shares authorized (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesAuthorized" xlink:to="lab_us-gaap_PreferredStockSharesAuthorized" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_f0daeab5-0a62-4534-9019-838a374a7ce0_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Changes in the Fair Value of Residential First Mortgage MSRs</link:label>
    <link:label id="lab_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Servicing Assets at Fair Value [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock" xlink:to="lab_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesTextBlock_f349dcb3-b7e5-477c-807e-907a6f322d28_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and Leases</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivables [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesTextBlock" xlink:to="lab_us-gaap_FinancingReceivablesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_ed217857-bb06-4714-8328-fecee7dd57f5_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2029 and thereafter</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payment, after Year Five for Next Five Years</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:to="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BuildingMember_d1ac4cea-8247-407d-a1ed-a72f60f43b46_terseLabel_en-US" xlink:label="lab_us-gaap_BuildingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Buildings</link:label>
    <link:label id="lab_us-gaap_BuildingMember_label_en-US" xlink:label="lab_us-gaap_BuildingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Building [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BuildingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BuildingMember" xlink:to="lab_us-gaap_BuildingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_b6b85f31-b811-4c25-b5c9-da237424f2bb_terseLabel_en-US" xlink:label="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Junior subordinated debentures</link:label>
    <link:label id="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_4e18c113-70ec-4a7a-a917-30a275b98de1_verboseLabel_en-US" xlink:label="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Junior Subordinated Notes</link:label>
    <link:label id="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_label_en-US" xlink:label="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:to="lab_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfGoodwillTextBlock_2f8b1f41-f249-4aca-8bc1-37bb9c1c6bbf_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfGoodwillTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Goodwill</link:label>
    <link:label id="lab_us-gaap_ScheduleOfGoodwillTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfGoodwillTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Goodwill [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGoodwillTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfGoodwillTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfGoodwillTextBlock" xlink:to="lab_us-gaap_ScheduleOfGoodwillTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesOutstanding_2ba3af0b-2bb8-422d-9865-60ba85567a86_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, shares outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesOutstanding" xlink:to="lab_us-gaap_PreferredStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption_ceaedffc-36db-421f-bddf-2feb68e58d03_terseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average cost to service per loan</link:label>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption_label_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Other Assumption</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption" xlink:to="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_318da208-fecf-4791-a27d-807f8574e163_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:to="lab_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans_6466a5e9-886e-4aa2-a522-d3aaba9fb9f4_negatedTerseLabel_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Fair value adjustments on loans</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans_label_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Fair Value Adjustment On Loans</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans_documentation_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Fair Value Adjustment On Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" xlink:to="lab_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax_aea16e85-6188-40d7-8e29-38ca65ddcea2_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity in undistributed (loss) earnings of subsidiaries</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax_f6c0e6e0-865a-44e3-9813-cd2b1983c1b2_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Equity in undistributed (loss) earnings of subsidiaries</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Subsidiaries, Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:to="lab_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain_bc2721f4-6609-43ce-b9fa-2b2c3deebf01_negatedTerseLabel_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non-taxable bargain gain</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain_label_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Non-Taxable Bargain Gain</link:label>
    <link:label id="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain_documentation_en-US" xlink:label="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Non-Taxable Bargain Gain</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" xlink:to="lab_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember_4624bcd3-3e60-49e6-a4b7-8d4b8f674b64_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Past service liability</link:label>
    <link:label id="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Defined Benefit Plans Adjustment, Net Prior Service Attributable to Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember" xlink:to="lab_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_ae622f05-f0f5-4f87-91f1-f9c06f946fd0_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_ec28a1c3-19c5-4af6-b764-be657a1e7706_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for capital adequacy, ratio</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="lab_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsNonrecurringMember_425bc9bf-a635-473a-8433-9021f03055ce_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrecurring</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsNonrecurringMember_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Nonrecurring [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:to="lab_us-gaap_FairValueMeasurementsNonrecurringMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax_efe061c5-6bb1-48f8-aa4d-ccfbfce55c2c_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net actuarial (gain) loss arising during the year</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss) Arising During Period, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherIncome_8595b593-d97e-4e0a-9b1e-72e4c943922c_terseLabel_en-US" xlink:label="lab_us-gaap_OtherIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other income</link:label>
    <link:label id="lab_us-gaap_OtherIncome_label_en-US" xlink:label="lab_us-gaap_OtherIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherIncome" xlink:to="lab_us-gaap_OtherIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_539bca9b-f3ff-4e6e-9f23-49765ec2c92a_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other, net</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Other Operating Assets and Liabilities, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:to="lab_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NetLoanAdministrationIncomeMember_39aab151-01e1-43eb-b723-3f83544baf9f_terseLabel_en-US" xlink:label="lab_fbc_NetLoanAdministrationIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan administration income on mortgage loans subserviced</link:label>
    <link:label id="lab_fbc_NetLoanAdministrationIncomeMember_label_en-US" xlink:label="lab_fbc_NetLoanAdministrationIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Loan Administration Income [Member]</link:label>
    <link:label id="lab_fbc_NetLoanAdministrationIncomeMember_documentation_en-US" xlink:label="lab_fbc_NetLoanAdministrationIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the net loan administration income.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetLoanAdministrationIncomeMember" xlink:href="fbc-20231231.xsd#fbc_NetLoanAdministrationIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NetLoanAdministrationIncomeMember" xlink:to="lab_fbc_NetLoanAdministrationIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_f145c3b1-4d64-4bb6-9b84-12ac84260864_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]</link:label>
    <link:label id="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_label_en-US" xlink:label="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems" xlink:to="lab_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems_bdfc74cc-ba76-4547-ad98-3427f3e43dc0_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</link:label>
    <link:label id="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems_label_en-US" xlink:label="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:to="lab_us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NoninterestIncomeOtherOperatingIncomeMember_6e32990a-c9bd-4615-b27e-2042f6d7d243_terseLabel_en-US" xlink:label="lab_fbc_NoninterestIncomeOtherOperatingIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other non-interest income</link:label>
    <link:label id="lab_fbc_NoninterestIncomeOtherOperatingIncomeMember_label_en-US" xlink:label="lab_fbc_NoninterestIncomeOtherOperatingIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income [Member]</link:label>
    <link:label id="lab_fbc_NoninterestIncomeOtherOperatingIncomeMember_documentation_en-US" xlink:label="lab_fbc_NoninterestIncomeOtherOperatingIncomeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NoninterestIncomeOtherOperatingIncomeMember" xlink:href="fbc-20231231.xsd#fbc_NoninterestIncomeOtherOperatingIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NoninterestIncomeOtherOperatingIncomeMember" xlink:to="lab_fbc_NoninterestIncomeOtherOperatingIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_99e9568c-1c5e-408e-bb76-95ca7e027578_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Rate of Capital Securities and Debentures</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_223e7105-4083-48a5-8f04-9cae4d2c9bf5_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest Rate</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:to="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_e7ff44e8-7985-44ea-b872-ff180584a5e7_terseLabel_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:to="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_b995434f-1edf-40db-9824-aae0ee20267f_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Label CMOs, measurement input</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquity_907997c0-d731-4e5b-807c-31a40986a1ca_totalLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total stockholders&#8217; equity</link:label>
    <link:label id="lab_us-gaap_StockholdersEquity_9a244f60-838f-4a44-84ec-044c4d3d6ba6_periodStartLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_StockholdersEquity_ca0a8de2-924e-44d6-b2f7-09fa58e1ef6e_periodEndLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_StockholdersEquity_label_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquity" xlink:to="lab_us-gaap_StockholdersEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets_57be8974-2906-4a82-979d-94581fb30e15_terseLabel_en-US" xlink:label="lab_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess, ratio</link:label>
    <link:label id="lab_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets_label_en-US" xlink:label="lab_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Excess Tier 1 Leverage Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessTierOneLeverageCapitalToAverageAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets" xlink:to="lab_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_9142cd79-9851-40b2-adb2-d596afac9e3c_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:to="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_030e588f-66fe-412c-a478-20a26bf5d426_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Would impact effective rate rate amount</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits that Would Impact Effective Tax Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_bda6dd7d-47cd-4349-991b-7653aa40c1f2_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_OneToFourFamilyIncludingInterestRateLocksMember_e6105b31-1f49-4a3d-b0b6-ee584eea5d2f_terseLabel_en-US" xlink:label="lab_fbc_OneToFourFamilyIncludingInterestRateLocksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">One-to-four family first mortgage</link:label>
    <link:label id="lab_fbc_OneToFourFamilyIncludingInterestRateLocksMember_label_en-US" xlink:label="lab_fbc_OneToFourFamilyIncludingInterestRateLocksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">One-To-Four Family Including Interest Rate Locks [Member]</link:label>
    <link:label id="lab_fbc_OneToFourFamilyIncludingInterestRateLocksMember_documentation_en-US" xlink:label="lab_fbc_OneToFourFamilyIncludingInterestRateLocksMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">One-To-Four Family Including Interest Rate Locks</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember" xlink:to="lab_fbc_OneToFourFamilyIncludingInterestRateLocksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedStockMember_4699fc8c-585b-4be7-af50-b2c0860e4fda_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Stock</link:label>
    <link:label id="lab_us-gaap_RestrictedStockMember_label_en-US" xlink:label="lab_us-gaap_RestrictedStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedStockMember" xlink:to="lab_us-gaap_RestrictedStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_59931266-98ee-4259-ab98-648ef2cf3d93_totalLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets acquired</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Assets</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_437f7825-356b-48ba-81e8-bff4407256ac_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Quantitative Information about Recurring Level 3 Fair Value Financial Instruments</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights_01f44028-9724-4b1c-a67c-4ab0af0b3fad_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage servicing rights</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights_label_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Mortgage Servicing Rights</link:label>
    <link:label id="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Mortgage Servicing Rights</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights" xlink:to="lab_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_d0911a4e-d0ea-44f7-9326-9e316f467ff5_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Major Class Name [Domain]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Major Class Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RestatementDomain_4aa1adf1-d4b8-48ad-a51d-dddca5a0fa4c_terseLabel_en-US" xlink:label="lab_srt_RestatementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Domain]</link:label>
    <link:label id="lab_srt_RestatementDomain_label_en-US" xlink:label="lab_srt_RestatementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RestatementDomain" xlink:to="lab_srt_RestatementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventsAbstract_label_en-US" xlink:label="lab_us-gaap_SubsequentEventsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Events [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsAbstract" xlink:to="lab_us-gaap_SubsequentEventsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_5a8afa0a-2afa-45ae-85de-cb58b54ae14c_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">(Loss) Income before income taxes</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_8dd6e612-0b9c-4a8b-abbd-6fa98db370fc_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income before income tax benefit and equity in undistributed&#8232; (loss) earnings of subsidiaries</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MutualFundMember_1edeeb7d-af1c-48d3-b74c-ece9635044d9_terseLabel_en-US" xlink:label="lab_us-gaap_MutualFundMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mutual funds</link:label>
    <link:label id="lab_us-gaap_MutualFundMember_label_en-US" xlink:label="lab_us-gaap_MutualFundMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mutual Fund [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MutualFundMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MutualFundMember" xlink:to="lab_us-gaap_MutualFundMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_6f3ffc5f-a8b2-48db-b201-94a5e4a43842_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_87277c5b-5866-4836-83db-e38a2cce507f_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">2022</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_0c1e259e-7093-46dc-b213-63fb3174b930_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Representation and Warranty Reserve</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:to="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputDefaultRateMember_2aa35251-8297-4380-aa2b-2e2f93f2705c_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputDefaultRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Constant default rates</link:label>
    <link:label id="lab_us-gaap_MeasurementInputDefaultRateMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputDefaultRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Default Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDefaultRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputDefaultRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputDefaultRateMember" xlink:to="lab_us-gaap_MeasurementInputDefaultRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NondesignatedMember_deddf679-c773-4fd2-9cfb-a1269c026bc4_terseLabel_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives not designated as hedging instruments:</link:label>
    <link:label id="lab_us-gaap_NondesignatedMember_label_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not Designated as Hedging Instrument [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NondesignatedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NondesignatedMember" xlink:to="lab_us-gaap_NondesignatedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetMeasurementInput_a64fb2df-143a-45f6-882c-fa4f4ac9c115_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage servicing rights, measurement input</link:label>
    <link:label id="lab_us-gaap_ServicingAssetMeasurementInput_label_en-US" xlink:label="lab_us-gaap_ServicingAssetMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetMeasurementInput" xlink:to="lab_us-gaap_ServicingAssetMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_e58dec99-945d-45c5-b99d-173bd4c2d804_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Recorded Investment, Past Due</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Past Due [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember_d5106ec7-22e3-496c-b506-0e0ca454c824_terseLabel_en-US" xlink:label="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">State, County, and Municipal</link:label>
    <link:label id="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember_label_en-US" xlink:label="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US States and Political Subdivisions Debt Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:to="lab_us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths_c4feb451-569a-4735-98cb-10a83497735a_terseLabel_en-US" xlink:label="lab_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of securities continuous unrealized loss position more than twelve months</link:label>
    <link:label id="lab_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths_label_en-US" xlink:label="lab_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number Of Securities Continuous Unrealized Loss Position More Than Twelve Months</link:label>
    <link:label id="lab_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths_documentation_en-US" xlink:label="lab_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number Of Securities Continuous Unrealized Loss Position More Than Twelve Months</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" xlink:href="fbc-20231231.xsd#fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" xlink:to="lab_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableSale_f7c391a3-061a-48b1-be01-108482ff8325_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, sale</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableSale_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableSale" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableSale" xlink:to="lab_us-gaap_FinancingReceivableSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgingDesignationDomain_8bd1c59b-9ca1-47ac-9dee-b7ebaa93129f_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingDesignationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Designation [Domain]</link:label>
    <link:label id="lab_us-gaap_HedgingDesignationDomain_label_en-US" xlink:label="lab_us-gaap_HedgingDesignationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Designation [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingDesignationDomain" xlink:to="lab_us-gaap_HedgingDesignationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_c56d41ba-09aa-4aa6-88d0-c20f2cae7e9c_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private-label Securitizations [Line Items]</link:label>
    <link:label id="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_label_en-US" xlink:label="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securitization or Asset-Backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems" xlink:to="lab_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_2a04235f-d8ff-482d-be03-e1104c0c6876_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Significant Other Observable Inputs (Level 2)</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel2Member" xlink:to="lab_us-gaap_FairValueInputsLevel2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_19bfcad2-5baa-4a52-a62d-87dda2c7b415_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2022</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_a982a123-3810-4813-871d-6eceb5c91a6b_terseLabel_en-US" xlink:label="lab_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Backed Securities And Other Securities</link:label>
    <link:label id="lab_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_3d4222f1-a01d-4507-99b4-608f2a408c95_verboseLabel_en-US" xlink:label="lab_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total debt securities available for sale</link:label>
    <link:label id="lab_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_label_en-US" xlink:label="lab_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Backed Securities And Other Securities [Member]</link:label>
    <link:label id="lab_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_documentation_en-US" xlink:label="lab_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortgage Backed Securities And Other Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember" xlink:href="fbc-20231231.xsd#fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember" xlink:to="lab_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_9fb129f1-bd1e-459e-a6da-df142dc75bd9_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of prior service cost</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive (Income) Loss, Defined Benefit Plan, Prior Service Cost (Credit), Reclassification Adjustment from AOCI, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_0f7ca29d-5a87-49ef-83d6-789b363c1c68_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for credit losses on loans and leases</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Asset, Tax Deferred Expense, Reserve and Accrual, Financing Receivable, Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:to="lab_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_WarehouseLoanCommitmentsMember_9283afbf-22e6-4d04-8b96-f5d5f2228ee6_terseLabel_en-US" xlink:label="lab_fbc_WarehouseLoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warehouse loan commitments</link:label>
    <link:label id="lab_fbc_WarehouseLoanCommitmentsMember_label_en-US" xlink:label="lab_fbc_WarehouseLoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warehouse Loan Commitments [Member]</link:label>
    <link:label id="lab_fbc_WarehouseLoanCommitmentsMember_documentation_en-US" xlink:label="lab_fbc_WarehouseLoanCommitmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Warehouse Loan Commitments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WarehouseLoanCommitmentsMember" xlink:href="fbc-20231231.xsd#fbc_WarehouseLoanCommitmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_WarehouseLoanCommitmentsMember" xlink:to="lab_fbc_WarehouseLoanCommitmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherRealEstate_e7a32382-7efd-46c6-9101-5363703417ad_terseLabel_en-US" xlink:label="lab_us-gaap_OtherRealEstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OREO</link:label>
    <link:label id="lab_us-gaap_OtherRealEstate_label_en-US" xlink:label="lab_us-gaap_OtherRealEstate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Real Estate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherRealEstate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherRealEstate" xlink:to="lab_us-gaap_OtherRealEstate" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedIncomeStatementTable_77c482a1-4de6-4cca-90b0-38ce8cabd72e_terseLabel_en-US" xlink:label="lab_srt_CondensedIncomeStatementTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Income Statement [Table]</link:label>
    <link:label id="lab_srt_CondensedIncomeStatementTable_label_en-US" xlink:label="lab_srt_CondensedIncomeStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Income Statement [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementTable" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedIncomeStatementTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedIncomeStatementTable" xlink:to="lab_srt_CondensedIncomeStatementTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_1eb6fb67-0117-4ace-978b-73defbbcf6ca_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net assets acquired before fair value adjustments</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_289dd105-1566-4ddd-911b-071e21093709_totalLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Fair value of net identifiable assets</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_faac19b2-8063-4e3e-8b56-70c277067041_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Net Gain (Loss) Recognized in Income on Derivative Instruments</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:to="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_6118aa6a-e1c5-45be-8513-66429b3ecea4_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:to="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NamedExecutiveOfficersFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Named Executive Officers, Footnote</link:label>
    <link:label id="lab_ecd_NamedExecutiveOfficersFnTextBlock_label_en-US" xlink:label="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Named Executive Officers, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:to="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_FederalFundsPurchasedAverageRatePaid_bc8d0b36-4d78-4adf-8ffb-51c7bbedc1d9_terseLabel_en-US" xlink:label="lab_srt_FederalFundsPurchasedAverageRatePaid" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal funds purchased, weighted average interest rate</link:label>
    <link:label id="lab_srt_FederalFundsPurchasedAverageRatePaid_label_en-US" xlink:label="lab_srt_FederalFundsPurchasedAverageRatePaid" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Funds Purchased, Average Rate Paid</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalFundsPurchasedAverageRatePaid" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalFundsPurchasedAverageRatePaid"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_FederalFundsPurchasedAverageRatePaid" xlink:to="lab_srt_FederalFundsPurchasedAverageRatePaid" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_cda920b6-98e7-41ca-8425-49973d78672e_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Interest Rate</link:label>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Domestic Deposit Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:to="lab_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_743d0bd1-b312-4684-a148-ae442625c21e_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalPeriodFocus" xlink:to="lab_dei_DocumentFiscalPeriodFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount_8b80d687-e51d-4cd5-a1bf-a4712db7a1d0_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential mortgage loans in process of foreclosure</link:label>
    <link:label id="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount_label_en-US" xlink:label="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans in Process of Foreclosure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:to="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_f4955444-43ba-4b39-8aa4-8cbf1fab7499_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unused lines of credit available</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Remaining Borrowing Capacity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:to="lab_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_VariableInterestEntityNumberofEntities_c3155731-0cde-48bd-8063-f9e1f445f9e1_terseLabel_en-US" xlink:label="lab_fbc_VariableInterestEntityNumberofEntities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of variable interest entities</link:label>
    <link:label id="lab_fbc_VariableInterestEntityNumberofEntities_label_en-US" xlink:label="lab_fbc_VariableInterestEntityNumberofEntities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Number of Entities</link:label>
    <link:label id="lab_fbc_VariableInterestEntityNumberofEntities_documentation_en-US" xlink:label="lab_fbc_VariableInterestEntityNumberofEntities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Number of Entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_VariableInterestEntityNumberofEntities" xlink:href="fbc-20231231.xsd#fbc_VariableInterestEntityNumberofEntities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_VariableInterestEntityNumberofEntities" xlink:to="lab_fbc_VariableInterestEntityNumberofEntities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_86d7255d-a447-41e3-8d32-43afc7a818a0_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Liability, to be Paid, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:to="lab_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit_24eab84f-4371-42e2-808e-e3cc44e6d25d_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certificates of deposit</link:label>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit_label_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Domestic Deposit, Certificates of Deposit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit" xlink:to="lab_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensation_87344857-cb1f-447b-a576-48ae85ee54af_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock-based compensation</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Noncash Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensation" xlink:to="lab_us-gaap_ShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_WeightedAverageMember_d3885852-678b-4283-a07d-af49e93dc80f_terseLabel_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average</link:label>
    <link:label id="lab_srt_WeightedAverageMember_label_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_WeightedAverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_WeightedAverageMember" xlink:to="lab_srt_WeightedAverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MultiFamilyLoanMember_358b36ec-d7f6-4036-bf8a-105e77dca27f_terseLabel_en-US" xlink:label="lab_fbc_MultiFamilyLoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Multi-family</link:label>
    <link:label id="lab_fbc_MultiFamilyLoanMember_label_en-US" xlink:label="lab_fbc_MultiFamilyLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Multi-Family Loan [Member]</link:label>
    <link:label id="lab_fbc_MultiFamilyLoanMember_documentation_en-US" xlink:label="lab_fbc_MultiFamilyLoanMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Multi-Family Loan</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MultiFamilyLoanMember" xlink:to="lab_fbc_MultiFamilyLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_FederalHomeLoanBankOfIndianapolisMember_2520950e-961b-4b3f-8da9-224b15c9ba29_terseLabel_en-US" xlink:label="lab_srt_FederalHomeLoanBankOfIndianapolisMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank of Indianapolis</link:label>
    <link:label id="lab_srt_FederalHomeLoanBankOfIndianapolisMember_label_en-US" xlink:label="lab_srt_FederalHomeLoanBankOfIndianapolisMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank of Indianapolis [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankOfIndianapolisMember" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankOfIndianapolisMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_FederalHomeLoanBankOfIndianapolisMember" xlink:to="lab_srt_FederalHomeLoanBankOfIndianapolisMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod_4a3f978d-ad2d-4fd7-9a79-6c3daf2e9320_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonaccrual loans with an allowance recorded - Interest Income Recognized</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" xlink:to="lab_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_PercentageOfTotalDeposits_9cfc84b7-f316-4561-953d-1ce596bd6349_totalLabel_en-US" xlink:label="lab_fbc_PercentageOfTotalDeposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total deposits</link:label>
    <link:label id="lab_fbc_PercentageOfTotalDeposits_label_en-US" xlink:label="lab_fbc_PercentageOfTotalDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Total Deposits</link:label>
    <link:label id="lab_fbc_PercentageOfTotalDeposits_documentation_en-US" xlink:label="lab_fbc_PercentageOfTotalDeposits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of Total Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PercentageOfTotalDeposits" xlink:href="fbc-20231231.xsd#fbc_PercentageOfTotalDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_PercentageOfTotalDeposits" xlink:to="lab_fbc_PercentageOfTotalDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_de99381d-3916-4671-8bf2-e56bd8868033_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage_fd14e092-5577-4dfa-9478-f1cbcf82bee0_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Investment within Plan Asset Category, Percentage</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Investment within Plan Asset Category, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage" xlink:to="lab_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_f20b2aee-8bab-4c28-9a65-3f8156051384_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Period Past Due [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_CondensedIncomeStatementsCaptionsLineItems_ff8e5cec-7a36-46fb-bd06-da1797e8ddf0_terseLabel_en-US" xlink:label="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Condensed Income Statements, Captions [Line Items]</link:label>
    <link:label id="lab_srt_CondensedIncomeStatementsCaptionsLineItems_label_en-US" xlink:label="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Condensed Income Statements, Captions [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedIncomeStatementsCaptionsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:to="lab_srt_CondensedIncomeStatementsCaptionsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetRetirementObligationsPolicy_075fc4fe-3b41-4b93-b835-a611354137c2_terseLabel_en-US" xlink:label="lab_us-gaap_AssetRetirementObligationsPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Retirement Obligation</link:label>
    <link:label id="lab_us-gaap_AssetRetirementObligationsPolicy_label_en-US" xlink:label="lab_us-gaap_AssetRetirementObligationsPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Retirement Obligation [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetRetirementObligationsPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetRetirementObligationsPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetRetirementObligationsPolicy" xlink:to="lab_us-gaap_AssetRetirementObligationsPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetInvestmentInLeasePastDueTableTextBlock_069eb36c-30ad-4d7b-be06-d37a5b0170d7_terseLabel_en-US" xlink:label="lab_us-gaap_NetInvestmentInLeasePastDueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net Investment in Lease, Past Due</link:label>
    <link:label id="lab_us-gaap_NetInvestmentInLeasePastDueTableTextBlock_label_en-US" xlink:label="lab_us-gaap_NetInvestmentInLeasePastDueTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Investment in Lease, Past Due [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentInLeasePastDueTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetInvestmentInLeasePastDueTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetInvestmentInLeasePastDueTableTextBlock" xlink:to="lab_us-gaap_NetInvestmentInLeasePastDueTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ImpairedLoansFairValueDisclosure_6c6c9c2f-7040-4b10-ae08-31222744791a_terseLabel_en-US" xlink:label="lab_fbc_ImpairedLoansFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Certain impaired loans</link:label>
    <link:label id="lab_fbc_ImpairedLoansFairValueDisclosure_label_en-US" xlink:label="lab_fbc_ImpairedLoansFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Loans, Fair Value Disclosure</link:label>
    <link:label id="lab_fbc_ImpairedLoansFairValueDisclosure_documentation_en-US" xlink:label="lab_fbc_ImpairedLoansFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Impaired Loans, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ImpairedLoansFairValueDisclosure" xlink:href="fbc-20231231.xsd#fbc_ImpairedLoansFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ImpairedLoansFairValueDisclosure" xlink:to="lab_fbc_ImpairedLoansFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalYearFocus_cf03703d-9a84-4b0c-b46e-4f1019beb859_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalYearFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalYearFocus" xlink:to="lab_dei_DocumentFiscalYearFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_SegmentGeographicalDomain_e10e7234-f1a4-4599-9a29-1bf79c0e4663_terseLabel_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment, Geographical [Domain]</link:label>
    <link:label id="lab_srt_SegmentGeographicalDomain_label_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_SegmentGeographicalDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_SegmentGeographicalDomain" xlink:to="lab_srt_SegmentGeographicalDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Deposits_e2a0e902-3098-4857-880f-eafb60ebd568_terseLabel_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total deposits</link:label>
    <link:label id="lab_us-gaap_Deposits_938d43f9-404f-459e-a28c-2e47b0b9c9b5_totalLabel_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total deposits</link:label>
    <link:label id="lab_us-gaap_Deposits_label_en-US" xlink:label="lab_us-gaap_Deposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Deposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Deposits" xlink:to="lab_us-gaap_Deposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseTermOfContract_91a9d931-967a-4c94-bfc7-ea38894e18ca_terseLabel_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseTermOfContract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term of contract</link:label>
    <link:label id="lab_us-gaap_LesseeOperatingLeaseTermOfContract_label_en-US" xlink:label="lab_us-gaap_LesseeOperatingLeaseTermOfContract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessee, Operating Lease, Term of Contract</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseTermOfContract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseTermOfContract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LesseeOperatingLeaseTermOfContract" xlink:to="lab_us-gaap_LesseeOperatingLeaseTermOfContract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_b0c45158-5540-401a-8765-bb9a4acec453_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in net unrealized gain (loss) on cash flow hedges, tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilities_33e77219-4c38-4454-8b99-389078e80fd0_verboseLabel_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Interest-bearing checking and money market accounts</link:label>
    <link:label id="lab_us-gaap_InterestBearingDepositLiabilities_label_en-US" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Deposit Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDepositLiabilities" xlink:to="lab_us-gaap_InterestBearingDepositLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_7d633230-6989-4a8b-8594-e52bdc4ce09a_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum for capital adequacy, amount</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital, Capital Adequacy, Minimum</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:to="lab_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReceivablesAbstract_5fa11809-cdbf-4969-90b7-617663fc58f1_terseLabel_en-US" xlink:label="lab_us-gaap_ReceivablesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivables [Abstract]</link:label>
    <link:label id="lab_us-gaap_ReceivablesAbstract_label_en-US" xlink:label="lab_us-gaap_ReceivablesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivables [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReceivablesAbstract" xlink:to="lab_us-gaap_ReceivablesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock_4af991aa-d215-4acb-a09a-a3b555059da1_terseLabel_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Description of Business, Organization and Basis of Presentation</link:label>
    <link:label id="lab_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock_label_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock" xlink:to="lab_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax_d3e925fd-c57f-4158-bf8a-1c64cd9fdd79_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Change in pension and post-retirement obligations, net of tax of $(5); $6 and $(8), respectively</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment, after Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardExrcPrice_terseLabel_en-US" xlink:label="lab_ecd_AwardExrcPrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercise Price</link:label>
    <link:label id="lab_ecd_AwardExrcPrice_label_en-US" xlink:label="lab_ecd_AwardExrcPrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardExrcPrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardExrcPrice" xlink:to="lab_ecd_AwardExrcPrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_a72a6ce4-c6c4-4737-a200-4372ff89b646_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets by Major Class [Axis]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets by Major Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_7ab16d7b-6c58-4b54-bf39-e7aa1a53aac8_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of gain (loss) recognized in AOCL</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:to="lab_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalReserveBankStock_ee498b5e-de35-4d6c-a8e6-69e558687c6d_terseLabel_en-US" xlink:label="lab_us-gaap_FederalReserveBankStock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal reserve bank stock</link:label>
    <link:label id="lab_us-gaap_FederalReserveBankStock_label_en-US" xlink:label="lab_us-gaap_FederalReserveBankStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Reserve Bank Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalReserveBankStock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalReserveBankStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalReserveBankStock" xlink:to="lab_us-gaap_FederalReserveBankStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapital_7c6b646e-038d-41e8-9763-d15e28c886e5_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital, amount</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapital_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapital" xlink:to="lab_us-gaap_TierOneLeverageCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill and Intangible Assets Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosure_d59d9b35-618b-4e66-b789-d70cd85cbfab_totalLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities at fair value</link:label>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure" xlink:to="lab_us-gaap_LiabilitiesFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio_24441a3b-5455-4cf9-895f-7ab5e0c86869_terseLabel_en-US" xlink:label="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess, ratio</link:label>
    <link:label id="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio_label_en-US" xlink:label="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess Ratio</link:label>
    <link:label id="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio_documentation_en-US" xlink:label="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" xlink:href="fbc-20231231.xsd#fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" xlink:to="lab_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilitiesAbstract_8dd2776a-52c0-4e39-a911-421884c347c4_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract" xlink:to="lab_us-gaap_DerivativeLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_961bfbfd-7f7b-42a8-a6a3-181e2cbbaeb8_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" xlink:to="lab_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour_0cdce2f9-f679-4484-83c4-e1244f2ad428_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1_6a31025d-7d2b-4a01-8b5e-9f5b384e05bb_terseLabel_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposits reclassified</link:label>
    <link:label id="lab_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1_label_en-US" xlink:label="lab_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposit Liabilities Reclassified as Loans Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1" xlink:to="lab_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_285f6f33-372a-458c-97ce-2a58bcb2766f_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of liabilities assumed:</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_9f9208f8-b120-4919-9f53-5a9527e489dc_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted-average Term (in years)</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Weighted Average Term Increase from Modification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:to="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies_f1ee1bbb-33c6-4f3f-ba48-dc8e2471b82b_terseLabel_en-US" xlink:label="lab_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Representation and Warranty Reserve</link:label>
    <link:label id="lab_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies_label_en-US" xlink:label="lab_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantees, Indemnifications and Warranties Policies [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies" xlink:to="lab_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_c8786e0f-a8b8-42f7-9843-eba6b60480b9_verboseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Servicing Rights</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers and Servicing of Financial Assets [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OccupancyNet_ee4979af-23d1-4a0c-b7e1-b8b1d4a7c5a5_terseLabel_en-US" xlink:label="lab_us-gaap_OccupancyNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Occupancy and equipment</link:label>
    <link:label id="lab_us-gaap_OccupancyNet_label_en-US" xlink:label="lab_us-gaap_OccupancyNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Occupancy, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OccupancyNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OccupancyNet" xlink:to="lab_us-gaap_OccupancyNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquity_c8e0ee5a-38cc-4674-a28c-d8b84a5b8f32_totalLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities and stockholders&#8217; equity</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAndStockholdersEquity_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities and Equity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeerGroupTotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
    <link:label id="lab_ecd_PeerGroupTotalShareholderRtnAmt_label_en-US" xlink:label="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:to="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAsset_831393c3-9348-413e-b7bb-c93b82fd9053_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating lease right-of-use assets</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAsset_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Right-of-Use Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseRightOfUseAsset" xlink:to="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_6d378599-3276-4bf3-bf4d-6c8f4dd7c9ca_terseLabel_en-US" xlink:label="lab_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commercial and industrial loans and lease financing</link:label>
    <link:label id="lab_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_label_en-US" xlink:label="lab_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial and Industrial Loan and Lease Financing [Member]</link:label>
    <link:label id="lab_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_documentation_en-US" xlink:label="lab_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Commercial and Industrial Loan and Lease Financing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember" xlink:to="lab_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans_6d2694a7-c839-4766-9f20-b49f76c29c1f_terseLabel_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans_label_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans</link:label>
    <link:label id="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans_documentation_en-US" xlink:label="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" xlink:to="lab_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentTable_03ad9171-1d6c-4c06-8fa1-851d02e779ce_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Long-term Debt Instruments [Table]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentTable_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Long-Term Debt Instruments [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentTable" xlink:to="lab_us-gaap_DebtInstrumentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesTextBlock_be98470c-a237-46a6-ba75-05c703e1b18d_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for Credit Losses on Loans and Leases</link:label>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesTextBlock_label_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance for Credit Losses [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllowanceForCreditLossesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllowanceForCreditLossesTextBlock" xlink:to="lab_us-gaap_AllowanceForCreditLossesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote</link:label>
    <link:label id="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock_label_en-US" xlink:label="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:to="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_7d531216-480f-4a23-a723-8d76dd67beba_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized loss on securities available for sale, net of tax of $225 and $240, respectively</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI, Debt Securities, Available-for-Sale, Adjustment, after Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent_857df20c-de9b-43ab-a32a-9d0fd6f4cbe4_terseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Constant prepayment rate (as a percent)</link:label>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent_label_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Prepayment Speed, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent" xlink:to="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseJuniorSubordinatedDebentures_3d660869-428e-40b0-8e3d-c2310c583d9a_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Junior subordinated debenture, interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseJuniorSubordinatedDebentures_label_en-US" xlink:label="lab_us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Junior Subordinated Debentures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseJuniorSubordinatedDebentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:to="lab_us-gaap_InterestExpenseJuniorSubordinatedDebentures" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_bc207aa4-9c37-4c7e-9b5d-22267412c873_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount rate</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:to="lab_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_31034134-0422-45f2-81a0-edf705acef7e_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">(Loss) earnings applicable to common stock</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrDuration_terseLabel_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arrangement Duration</link:label>
    <link:label id="lab_ecd_TrdArrDuration_label_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Duration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrDuration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrDuration" xlink:to="lab_ecd_TrdArrDuration" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_27123b89-85b5-4ce8-a176-ca4cdacab612_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMnpiCnsdrdFlag_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Considered</link:label>
    <link:label id="lab_ecd_AwardTmgMnpiCnsdrdFlag_label_en-US" xlink:label="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Considered [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:to="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancialAsset30To89DaysPastDueMember_a3721d82-cd1f-4521-800f-15ab3ad0797f_terseLabel_en-US" xlink:label="lab_fbc_FinancialAsset30To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans 30-89 Days Past Due</link:label>
    <link:label id="lab_fbc_FinancialAsset30To89DaysPastDueMember_label_en-US" xlink:label="lab_fbc_FinancialAsset30To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, 30 to 89 Days Past Due [Member]</link:label>
    <link:label id="lab_fbc_FinancialAsset30To89DaysPastDueMember_documentation_en-US" xlink:label="lab_fbc_FinancialAsset30To89DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial Asset, 30 to 89 Days Past Due</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancialAsset30To89DaysPastDueMember" xlink:href="fbc-20231231.xsd#fbc_FinancialAsset30To89DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancialAsset30To89DaysPastDueMember" xlink:to="lab_fbc_FinancialAsset30To89DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationTaxCredits_36b8389b-2a03-4895-930e-db5988ab0801_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationTaxCredits" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Federal tax credits</link:label>
    <link:label id="lab_us-gaap_IncomeTaxReconciliationTaxCredits_label_en-US" xlink:label="lab_us-gaap_IncomeTaxReconciliationTaxCredits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Effective Income Tax Rate Reconciliation, Tax Credit, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxCredits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationTaxCredits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxReconciliationTaxCredits" xlink:to="lab_us-gaap_IncomeTaxReconciliationTaxCredits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestructuringCharges_94e1acc7-efe1-4c33-8589-12a08e6aac71_terseLabel_en-US" xlink:label="lab_us-gaap_RestructuringCharges" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition costs</link:label>
    <link:label id="lab_us-gaap_RestructuringCharges_label_en-US" xlink:label="lab_us-gaap_RestructuringCharges" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restructuring Charges</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCharges" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringCharges"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestructuringCharges" xlink:to="lab_us-gaap_RestructuringCharges" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_79a11d18-b4db-4027-a8ce-6526927b735f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Collateral</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Financial Instruments Owned and Pledged as Collateral [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock" xlink:to="lab_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationsAbstract_1889dfbb-1442-48ba-82fb-5141a76c5899_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combinations:</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationsAbstract_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combinations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationsAbstract" xlink:to="lab_us-gaap_BusinessCombinationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrTerminationDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrTerminationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Termination Date</link:label>
    <link:label id="lab_ecd_TrdArrTerminationDate_label_en-US" xlink:label="lab_ecd_TrdArrTerminationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Termination Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrTerminationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrTerminationDate" xlink:to="lab_ecd_TrdArrTerminationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInDeposits_ce64e931-29e4-4647-b5f5-8892c120027a_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDeposits" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net (decrease) increase in deposits</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInDeposits_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDeposits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Deposits</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInDeposits" xlink:to="lab_us-gaap_IncreaseDecreaseInDeposits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_5061f4b2-2dff-4ba7-a75e-1ebcdf17078d_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Acquisition costs</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Acquisition, Transaction Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:to="lab_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit_754e9120-eaa5-4dce-a0b8-b771ccc4703a_totalLabel_en-US" xlink:label="lab_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total current</link:label>
    <link:label id="lab_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Federal, State and Local, Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit" xlink:to="lab_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesAuthorized_9bada323-27a8-4a0b-9260-57b4c8f369e2_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Common stock, shares authorized (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesAuthorized" xlink:to="lab_us-gaap_CommonStockSharesAuthorized" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_0e36db3f-00a6-4184-b222-365216e895a3_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Past Due [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Past Due [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivablesPastDueTable" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_IN_8dfbb482-84d3-460e-abca-69dfb269abc7_terseLabel_en-US" xlink:label="lab_stpr_IN" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">INDIANA</link:label>
    <link:label id="lab_stpr_IN_label_en-US" xlink:label="lab_stpr_IN" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">INDIANA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_IN" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_IN"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_IN" xlink:to="lab_stpr_IN" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationTable_7de16474-34ec-409b-b195-fd894177b4dc_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:label id="lab_dei_DocumentInformationTable_label_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationTable" xlink:to="lab_dei_DocumentInformationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_8b2d4027-18ea-42af-b917-eb515f6c5276_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Par Value, Earlier of Contractual Maturity or Next Put or Convert Date, Rolling Year [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_d0096f51-0b10-4b7e-8a6d-f7b32d5fece6_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Period Past Due [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AffordableHousingProgramObligation_574c3fa8-48f7-4874-9ca3-002281d92a23_terseLabel_en-US" xlink:label="lab_us-gaap_AffordableHousingProgramObligation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Affordable housing tax credit commitment</link:label>
    <link:label id="lab_us-gaap_AffordableHousingProgramObligation_label_en-US" xlink:label="lab_us-gaap_AffordableHousingProgramObligation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Affordable Housing Program Obligation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingProgramObligation" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AffordableHousingProgramObligation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AffordableHousingProgramObligation" xlink:to="lab_us-gaap_AffordableHousingProgramObligation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_44c4575f-cfd8-4501-a767-0ebc57259d36_terseLabel_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Gain</link:label>
    <link:label id="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_label_en-US" xlink:label="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Gain, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:to="lab_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiGainLoss_8ed1c66e-8a62-4705-9b2b-24b978471745_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiGainLoss" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net loss on securities</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiGainLoss_label_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiGainLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities, FV-NI, Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiGainLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesFvNiGainLoss" xlink:to="lab_us-gaap_EquitySecuritiesFvNiGainLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssetsFairValueDisclosure_72e6ed5d-1792-4521-ba47-90c064f87e59_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_OtherAssetsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_OtherAssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssetsFairValueDisclosure" xlink:to="lab_us-gaap_OtherAssetsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SecuredOvernightFinancingRateSOFRMember_bca53cfd-877a-4d4f-a303-baeffb58f096_terseLabel_en-US" xlink:label="lab_fbc_SecuredOvernightFinancingRateSOFRMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured Overnight Financing Rate (SOFR)</link:label>
    <link:label id="lab_fbc_SecuredOvernightFinancingRateSOFRMember_label_en-US" xlink:label="lab_fbc_SecuredOvernightFinancingRateSOFRMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Overnight Financing Rate (SOFR) [Member]</link:label>
    <link:label id="lab_fbc_SecuredOvernightFinancingRateSOFRMember_documentation_en-US" xlink:label="lab_fbc_SecuredOvernightFinancingRateSOFRMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Secured Overnight Financing Rate (SOFR)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SecuredOvernightFinancingRateSOFRMember" xlink:href="fbc-20231231.xsd#fbc_SecuredOvernightFinancingRateSOFRMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SecuredOvernightFinancingRateSOFRMember" xlink:to="lab_fbc_SecuredOvernightFinancingRateSOFRMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_LoansHeldForSaleMember_36c98b3a-8b20-42f8-800b-e0ca17767234_terseLabel_en-US" xlink:label="lab_fbc_LoansHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held-for-sale</link:label>
    <link:label id="lab_fbc_LoansHeldForSaleMember_label_en-US" xlink:label="lab_fbc_LoansHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held-For-Sale [Member]</link:label>
    <link:label id="lab_fbc_LoansHeldForSaleMember_documentation_en-US" xlink:label="lab_fbc_LoansHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans that are intended to be sold into the secondary market on a whole loan basis or by securitizing the loans into securities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LoansHeldForSaleMember" xlink:href="fbc-20231231.xsd#fbc_LoansHeldForSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_LoansHeldForSaleMember" xlink:to="lab_fbc_LoansHeldForSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_188bde33-7301-4744-b64f-706ce8c94f95_verboseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOWS FROM OPERATING ACTIVITIES:</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_3ab11701-b459-486d-863c-497817dd2a37_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans modified that subsequently defaulted</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modified, Subsequent Default</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember_35b4fe84-b9d9-439c-bdcd-d14dc43e38ed_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Large-cap growth</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Large Cap Growth [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Large Cap Growth</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityLargeCapGrowthMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember" xlink:to="lab_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_f44b6496-7413-4cd4-bf2e-abe097867ffc_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeAxis" xlink:to="lab_us-gaap_MeasurementInputTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContractualInterestRateReductionMember_12e833d9-96ca-4a2d-91cc-d628a77e8b8e_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Rate Reduction</link:label>
    <link:label id="lab_us-gaap_ContractualInterestRateReductionMember_label_en-US" xlink:label="lab_us-gaap_ContractualInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Interest Rate Reduction [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualInterestRateReductionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ContractualInterestRateReductionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractualInterestRateReductionMember" xlink:to="lab_us-gaap_ContractualInterestRateReductionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread_1567724b-4d86-4718-b043-bcdcd29d005d_terseLabel_en-US" xlink:label="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Option adjusted spread (percent)</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread_label_en-US" xlink:label="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Option Adjusted Spread</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread_documentation_en-US" xlink:label="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Option Adjusted Spread</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" xlink:to="lab_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts_9b9a5b7f-933f-473f-afc5-92b62108c89a_terseLabel_en-US" xlink:label="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Plus: deferred origination costs</link:label>
    <link:label id="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts_label_en-US" xlink:label="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-Type And Direct Financing Leases, Lease Receivable, Deferred Origination Costs</link:label>
    <link:label id="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts_documentation_en-US" xlink:label="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sales-Type And Direct Financing Leases, Lease Receivable, Deferred Origination Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" xlink:href="fbc-20231231.xsd#fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" xlink:to="lab_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet_24512882-afee-46a1-8f3b-b6211a894519_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amount of gain (loss), net of tax, to be reclassified during the next 12 months</link:label>
    <link:label id="lab_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet_label_en-US" xlink:label="lab_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" xlink:to="lab_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgDiscLineItems_label_en-US" xlink:label="lab_ecd_AwardTmgDiscLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Disclosures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="lab_ecd_AwardTmgDiscLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalToAverageAssets_7f7acc4a-40cb-4ca1-94a3-89a16700102a_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital, ratio</link:label>
    <link:label id="lab_us-gaap_TierOneLeverageCapitalToAverageAssets_label_en-US" xlink:label="lab_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Leverage Capital Ratio, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:to="lab_us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_NY_69635b56-cfda-4fb5-8e5c-a56268bbe815_terseLabel_en-US" xlink:label="lab_stpr_NY" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New York</link:label>
    <link:label id="lab_stpr_NY_label_en-US" xlink:label="lab_stpr_NY" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NEW YORK</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NY" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_NY"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_NY" xlink:to="lab_stpr_NY" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowancePolicy_a4afd875-8aca-4980-8c1e-bd063f16fc72_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowancePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">OREO</link:label>
    <link:label id="lab_us-gaap_RealEstateOwnedValuationAllowancePolicy_label_en-US" xlink:label="lab_us-gaap_RealEstateOwnedValuationAllowancePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Valuation Allowance, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedValuationAllowancePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RealEstateOwnedValuationAllowancePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateOwnedValuationAllowancePolicy" xlink:to="lab_us-gaap_RealEstateOwnedValuationAllowancePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_75559b2e-6b27-4449-808e-742801abd623_totalLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets acquired</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_685dc71d-526d-4168-a463-f06ee85699a0_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:to="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_NV_644faa90-c2df-465f-8c17-ca9b67159a56_terseLabel_en-US" xlink:label="lab_stpr_NV" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nevada</link:label>
    <link:label id="lab_stpr_NV_label_en-US" xlink:label="lab_stpr_NV" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NEVADA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NV" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_NV"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_NV" xlink:to="lab_stpr_NV" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputConstantPrepaymentRateMember_3b4a215c-acb4-40e0-a141-6d5a0c24144e_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputConstantPrepaymentRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Constant prepayment rate</link:label>
    <link:label id="lab_us-gaap_MeasurementInputConstantPrepaymentRateMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputConstantPrepaymentRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Constant Prepayment Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputConstantPrepaymentRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember" xlink:to="lab_us-gaap_MeasurementInputConstantPrepaymentRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeCollateralObligationToReturnCash_fe864ba1-9de7-46a6-8661-c14533066e03_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash Collateral Pledged (Received)</link:label>
    <link:label id="lab_us-gaap_DerivativeCollateralObligationToReturnCash_label_en-US" xlink:label="lab_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:to="lab_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherCommitmentsAxis_0c44721d-807e-4289-933f-03f5629af33f_terseLabel_en-US" xlink:label="lab_us-gaap_OtherCommitmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Commitments [Axis]</link:label>
    <link:label id="lab_us-gaap_OtherCommitmentsAxis_label_en-US" xlink:label="lab_us-gaap_OtherCommitmentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherCommitmentsAxis" xlink:to="lab_us-gaap_OtherCommitmentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdditionalPaidInCapital_abbebffc-871c-421b-8584-d54dc55c7447_terseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Paid-in capital in excess of par</link:label>
    <link:label id="lab_us-gaap_AdditionalPaidInCapital_label_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Paid in Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapital" xlink:to="lab_us-gaap_AdditionalPaidInCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_2d222f97-a8fe-4eca-9251-fcb156b40df5_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and leases held for investment, net</link:label>
    <link:label id="lab_us-gaap_LoansReceivableFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableFairValueDisclosure" xlink:to="lab_us-gaap_LoansReceivableFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_fe44a815-7af6-4d2e-b5e8-389045f35031_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current-period gross write-offs</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_973cdbe7-237f-4cef-a38d-018becdfd090_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and leases held for investment, net of deferred loan fees and costs</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_f7b3843c-dbe8-4e69-a563-aac7f09b9fb8_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total loans and leases held for investment</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_8cdbcff5-bfc7-4926-ab77-69b6de49c96f_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationLineItems_3e91cc29-fe9f-4bac-82b2-fa3883d26bc4_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:label id="lab_dei_DocumentInformationLineItems_label_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="lab_dei_DocumentInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_c6893c54-761f-4486-bdc7-49d8aa194418_totalLabel_en-US" xlink:label="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total securities</link:label>
    <link:label id="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_01125719-2d04-4ea4-a97d-63f0981f358e_terseLabel_en-US" xlink:label="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_label_en-US" xlink:label="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available For Sale, Excluding Interest and Equity Securities, Current</link:label>
    <link:label id="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_documentation_en-US" xlink:label="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Securities, Available For Sale, Excluding Interest and Equity Securities, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" xlink:to="lab_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable_40c59673-b331-40ef-bc50-e9749e2968a4_terseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total lease finance receivables, net</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-type and Direct Financing Leases, Lease Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PledgedStatusDomain_3067badf-f7fd-47a2-8a90-4ea5ad9028ba_terseLabel_en-US" xlink:label="lab_us-gaap_PledgedStatusDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pledged Status [Domain]</link:label>
    <link:label id="lab_us-gaap_PledgedStatusDomain_label_en-US" xlink:label="lab_us-gaap_PledgedStatusDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pledged Status [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PledgedStatusDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PledgedStatusDomain" xlink:to="lab_us-gaap_PledgedStatusDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DoubtfulMember_a3ef16ac-d7bc-4a77-ae45-f3247bb78886_terseLabel_en-US" xlink:label="lab_us-gaap_DoubtfulMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Doubtful</link:label>
    <link:label id="lab_us-gaap_DoubtfulMember_label_en-US" xlink:label="lab_us-gaap_DoubtfulMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Doubtful [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DoubtfulMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DoubtfulMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DoubtfulMember" xlink:to="lab_us-gaap_DoubtfulMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MarketableSecuritiesGrossUnrealizedGain_23a3ff8d-d71d-4e44-b23c-27a974e51ad7_terseLabel_en-US" xlink:label="lab_fbc_MarketableSecuritiesGrossUnrealizedGain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Unrealized Gain</link:label>
    <link:label id="lab_fbc_MarketableSecuritiesGrossUnrealizedGain_label_en-US" xlink:label="lab_fbc_MarketableSecuritiesGrossUnrealizedGain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Securities Gross Unrealized Gain</link:label>
    <link:label id="lab_fbc_MarketableSecuritiesGrossUnrealizedGain_documentation_en-US" xlink:label="lab_fbc_MarketableSecuritiesGrossUnrealizedGain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Marketable Securities Gross Unrealized Gain</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MarketableSecuritiesGrossUnrealizedGain" xlink:href="fbc-20231231.xsd#fbc_MarketableSecuritiesGrossUnrealizedGain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MarketableSecuritiesGrossUnrealizedGain" xlink:to="lab_fbc_MarketableSecuritiesGrossUnrealizedGain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1_bb6cab5c-95be-49d9-8402-f593326d2c96_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ultimate trend rate</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Ultimate Health Care Cost Trend Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1" xlink:to="lab_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_f985986b-1b88-45ba-af4b-782bedff3e75_verboseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Changes in estimates of fair value due to interest rate risk</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_414cfc7e-ccf9-4acd-ba55-fc85228a568b_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in fair value due to interest rate risk</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Period Increase (Decrease)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease" xlink:to="lab_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FairValueOptionLoansHeldAsAssets_2a7beacc-5d13-4381-9179-2b1279365217_verboseLabel_en-US" xlink:label="lab_fbc_FairValueOptionLoansHeldAsAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_fbc_FairValueOptionLoansHeldAsAssets_label_en-US" xlink:label="lab_fbc_FairValueOptionLoansHeldAsAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held as Assets</link:label>
    <link:label id="lab_fbc_FairValueOptionLoansHeldAsAssets_documentation_en-US" xlink:label="lab_fbc_FairValueOptionLoansHeldAsAssets" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair Value, Option, Loans Held as Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FairValueOptionLoansHeldAsAssets" xlink:href="fbc-20231231.xsd#fbc_FairValueOptionLoansHeldAsAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FairValueOptionLoansHeldAsAssets" xlink:to="lab_fbc_FairValueOptionLoansHeldAsAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxPolicyTextBlock_6ccb7719-96d4-4485-8e48-a072c9255990_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxPolicyTextBlock" xlink:to="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_faac4f41-3360-4c70-942e-01bbd5cccae9_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes recognized in other comprehensive income for the year ended December 31:</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract" xlink:to="lab_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_3df65c64-f8c0-4540-94ca-3b9c2a471935_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoanRestructuringModificationAxis_ecd7d3ed-6447-4064-a9b9-136746898ac5_terseLabel_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Axis]</link:label>
    <link:label id="lab_us-gaap_LoanRestructuringModificationAxis_label_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis" xlink:to="lab_us-gaap_LoanRestructuringModificationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityNonUSValueMember_11a27c8c-bb9d-40a0-9db7-d2684bdaf5c3_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityNonUSValueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">International value</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityNonUSValueMember_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityNonUSValueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Non-US, Value [Member]</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanEquityNonUSValueMember_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanEquityNonUSValueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity, Non-US, Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityNonUSValueMember" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityNonUSValueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanEquityNonUSValueMember" xlink:to="lab_fbc_DefinedBenefitPlanEquityNonUSValueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MunicipalBondsMember_d4b90e5c-0350-4813-bc79-3191b90907ad_terseLabel_en-US" xlink:label="lab_us-gaap_MunicipalBondsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Municipal bonds</link:label>
    <link:label id="lab_us-gaap_MunicipalBondsMember_label_en-US" xlink:label="lab_us-gaap_MunicipalBondsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Municipal Bonds [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MunicipalBondsMember" xlink:to="lab_us-gaap_MunicipalBondsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTradingArrLineItems_label_en-US" xlink:label="lab_ecd_InsiderTradingArrLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Arrangements [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="lab_ecd_InsiderTradingArrLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract_061f78d5-f6fc-4ec8-be32-66e1e5736c56_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earlier of Contractual Maturity or Next Call Date</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Par Value, Earlier of Contractual Maturity or Next Call Date, Rolling Year [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_f066ae0c-845c-4ac3-855a-9e87bfac1183_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party [Axis]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party, Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:to="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalAbstract_dfbe5d6f-fd6a-4678-8c05-6139dbadbc39_terseLabel_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Equity Tier 1</link:label>
    <link:label id="lab_us-gaap_CommonEquityTierOneCapitalAbstract_label_en-US" xlink:label="lab_us-gaap_CommonEquityTierOneCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Common Equity Tier 1 Risk-Based Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract" xlink:to="lab_us-gaap_CommonEquityTierOneCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SwapFHLBMember_aaf33540-5c05-4b65-9507-455f9dbd786f_terseLabel_en-US" xlink:label="lab_fbc_SwapFHLBMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Swap FHLB</link:label>
    <link:label id="lab_fbc_SwapFHLBMember_label_en-US" xlink:label="lab_fbc_SwapFHLBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">swap FHLB [Member]</link:label>
    <link:label id="lab_fbc_SwapFHLBMember_documentation_en-US" xlink:label="lab_fbc_SwapFHLBMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">swap FHLB</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SwapFHLBMember" xlink:href="fbc-20231231.xsd#fbc_SwapFHLBMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SwapFHLBMember" xlink:to="lab_fbc_SwapFHLBMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_7d76f9de-5e0e-4cc2-8a91-3fe78056d1e9_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MtrlTermsOfTrdArrTextBlock_terseLabel_en-US" xlink:label="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Material Terms of Trading Arrangement</link:label>
    <link:label id="lab_ecd_MtrlTermsOfTrdArrTextBlock_label_en-US" xlink:label="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Material Terms of Trading Arrangement [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:to="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Method</link:label>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMethodTextBlock" xlink:to="lab_ecd_AwardTmgMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_4e31f7cd-ca34-4048-9e42-458928aaad8f_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">(Increase) decrease in other assets</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_0f9240a9-e100-4433-8dca-06f2c61402ac_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Change in other assets</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_ea612e4b-7d73-4145-a46e-11654cdd9afb_totalLabel_en-US" xlink:label="lab_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income before equity in undistributed (loss) earnings of subsidiaries</link:label>
    <link:label id="lab_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_label_en-US" xlink:label="lab_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss), Before Undistributed Income (Loss) Of Subsidiaries</link:label>
    <link:label id="lab_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_documentation_en-US" xlink:label="lab_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Net Income (Loss), Before Undistributed Income (Loss) Of Subsidiaries</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" xlink:href="fbc-20231231.xsd#fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" xlink:to="lab_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_10f8fb22-1920-45a5-a755-238ef38d1434_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WarrantsAndRightsOutstanding_4c86d05e-1cdd-434d-90b5-7f558f953122_terseLabel_en-US" xlink:label="lab_us-gaap_WarrantsAndRightsOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warrants proceeds amount</link:label>
    <link:label id="lab_us-gaap_WarrantsAndRightsOutstanding_label_en-US" xlink:label="lab_us-gaap_WarrantsAndRightsOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warrants and Rights Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantsAndRightsOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WarrantsAndRightsOutstanding" xlink:to="lab_us-gaap_WarrantsAndRightsOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToCompAmt_terseLabel_en-US" xlink:label="lab_ecd_AdjToCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation, Amount</link:label>
    <link:label id="lab_ecd_AdjToCompAmt_label_en-US" xlink:label="lab_ecd_AdjToCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToCompAmt" xlink:to="lab_ecd_AdjToCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit_5866db96-b538-4b42-95cd-48f45cd2022b_totalLabel_en-US" xlink:label="lab_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total deferred</link:label>
    <link:label id="lab_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Federal, State and Local, Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_45087e91-e646-4770-9225-8a699e54920f_terseLabel_en-US" xlink:label="lab_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities:</link:label>
    <link:label id="lab_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Components of Deferred Tax Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:to="lab_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember_80de1201-f73c-4e62-9af7-9f599dc4d37c_terseLabel_en-US" xlink:label="lab_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net return on mortgage servicing rights</link:label>
    <link:label id="lab_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember_label_en-US" xlink:label="lab_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Servicing Rights (MSR) Impairment (Recovery) [Member]</link:label>
    <link:label id="lab_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember_documentation_en-US" xlink:label="lab_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the net return on mortgage servicing asset.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMSRImpairmentRecoveryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember" xlink:to="lab_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_0bdc197b-95ac-4e53-a998-df74fcff4a0b_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net (decrease) increase in short-term borrowed funds</link:label>
    <link:label id="lab_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from (Repayments of) Short-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:to="lab_us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_f23bf770-dffe-42db-a69a-e5461722c788_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive loss, net of tax:</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AuditorName_798a3045-5ce5-451f-8790-3e15357deb3f_terseLabel_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Auditor Name</link:label>
    <link:label id="lab_dei_AuditorName_label_en-US" xlink:label="lab_dei_AuditorName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Auditor Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorName" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AuditorName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AuditorName" xlink:to="lab_dei_AuditorName" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeerGroupIssuersFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peer Group Issuers, Footnote</link:label>
    <link:label id="lab_ecd_PeerGroupIssuersFnTextBlock_label_en-US" xlink:label="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Peer Group Issuers, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:to="lab_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockDividendRatePercentage_d6b056d8-8703-41e3-ab5f-9086264fbd08_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend rate percentage</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendRatePercentage_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Dividend Rate, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockDividendRatePercentage" xlink:to="lab_us-gaap_PreferredStockDividendRatePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_c0b4f183-1d43-4b8c-b2a2-8599ad1fe783_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issued for restricted stock, net of forfeitures</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Value, Restricted Stock Award, Net of Forfeitures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_d44936ea-e2c0-47f3-afd4-fed7b075df94_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments Carried at Fair Value</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfLongTermDebt_54ba1e40-c579-4874-b7d2-accca0f779c7_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfLongTermDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Repayments of long-term borrowed funds</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfLongTermDebt_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfLongTermDebt" xlink:to="lab_us-gaap_RepaymentsOfLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_10b6c1f9-6c03-4701-900e-ab112995eea4_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_310f6e7a-c7e7-48ca-98f7-5dd4bf43c9ba_verboseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Bargain purchase gain</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_8be7bbdf-2912-4d8f-82aa-c152f5c9cf64_negatedLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Gain on business acquisition</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_1c81b646-27f3-4132-a860-567f7db2e41f_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bargain purchase gain on Signature Transaction, as initially reported</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Bargain Purchase, Gain Recognized, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:to="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract_b31e6b0c-2eeb-44f6-abd7-27387a3b3da3_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities:</link:label>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:to="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SubordinatedNotesMaturingIn2030Member_3fddd2ad-556a-48a3-8beb-f0ef47d86dbc_terseLabel_en-US" xlink:label="lab_fbc_SubordinatedNotesMaturingIn2030Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subordinated notes maturing in 2030</link:label>
    <link:label id="lab_fbc_SubordinatedNotesMaturingIn2030Member_label_en-US" xlink:label="lab_fbc_SubordinatedNotesMaturingIn2030Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Notes Maturing In 2030 [Member]</link:label>
    <link:label id="lab_fbc_SubordinatedNotesMaturingIn2030Member_documentation_en-US" xlink:label="lab_fbc_SubordinatedNotesMaturingIn2030Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Subordinated Notes Maturing In 2030</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubordinatedNotesMaturingIn2030Member" xlink:href="fbc-20231231.xsd#fbc_SubordinatedNotesMaturingIn2030Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SubordinatedNotesMaturingIn2030Member" xlink:to="lab_fbc_SubordinatedNotesMaturingIn2030Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_99b34841-5d55-482c-860f-26599872a4f7_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Gains / (Losses) Recorded in Earnings</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AllocatedShareBasedCompensationExpense_6227879f-e8ec-4495-a39e-4211a8cc31f0_terseLabel_en-US" xlink:label="lab_us-gaap_AllocatedShareBasedCompensationExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based compensation expense</link:label>
    <link:label id="lab_us-gaap_AllocatedShareBasedCompensationExpense_label_en-US" xlink:label="lab_us-gaap_AllocatedShareBasedCompensationExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllocatedShareBasedCompensationExpense" xlink:to="lab_us-gaap_AllocatedShareBasedCompensationExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonRule10b51ArrTrmntdFlag_terseLabel_en-US" xlink:label="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Terminated</link:label>
    <link:label id="lab_ecd_NonRule10b51ArrTrmntdFlag_label_en-US" xlink:label="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Terminated [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:to="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_bf5bf1a1-4eb4-4676-b978-f37b0f252b2b_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositSavings_3fdd019b-2667-47ff-82e4-8c31ce19bc07_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Savings accounts</link:label>
    <link:label id="lab_us-gaap_WeightedAverageRateDomesticDepositSavings_label_en-US" xlink:label="lab_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Rate Domestic Deposit, Savings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositSavings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:to="lab_us-gaap_WeightedAverageRateDomesticDepositSavings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueDisposals_09131240-3a4a-49a9-a3b9-a41bb064d7cd_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueDisposals" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Reductions from sales</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueDisposals_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueDisposals" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Disposals</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueDisposals" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueDisposals"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtFairValueDisposals" xlink:to="lab_us-gaap_ServicingAssetAtFairValueDisposals" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_ac656d37-47ab-48d0-830b-7340edcc3456_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modified, after 12 Months</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrIndName_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_TrdArrIndName_label_en-US" xlink:label="lab_ecd_TrdArrIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrIndName" xlink:to="lab_ecd_TrdArrIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_NC_7c1ba40c-9b58-454e-8627-6fc86a565bf7_terseLabel_en-US" xlink:label="lab_stpr_NC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">North Carolina</link:label>
    <link:label id="lab_stpr_NC_label_en-US" xlink:label="lab_stpr_NC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NORTH CAROLINA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NC" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_NC"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_NC" xlink:to="lab_stpr_NC" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_a0ccdd73-0955-4c5a-9840-bf0ad20b6047_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total other comprehensive gain (loss), net of tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_29c01640-d33a-4238-981c-dddfc046bd71_netLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive loss, net of tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax_a47c1d4b-b6bd-4d3c-999e-71fdf1574dd0_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in pension and post-retirement obligations, tax</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment, Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues_7c6eed18-d905-4947-b083-a97c0515dc6d_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issuance and exercise of FDIC Equity appreciation instrument</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Value, New Issues</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LessorLeaseDescriptionLineItems_e933504e-0af1-4659-8e7a-141e7eeba084_terseLabel_en-US" xlink:label="lab_us-gaap_LessorLeaseDescriptionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lessor, Lease, Description [Line Items]</link:label>
    <link:label id="lab_us-gaap_LessorLeaseDescriptionLineItems_label_en-US" xlink:label="lab_us-gaap_LessorLeaseDescriptionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lessor, Lease, Description [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorLeaseDescriptionLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorLeaseDescriptionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LessorLeaseDescriptionLineItems" xlink:to="lab_us-gaap_LessorLeaseDescriptionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_3d626cc9-5dec-40c5-9ee0-aa984cf17984_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amortization of actuarial gain (loss)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_1ca98e1f-bb18-4866-b6f3-d01d91543922_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of actuarial gain (loss)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, before Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesTableTextBlock_0b7b784d-eaaa-4884-9ba5-438e1b3e4001_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:to="lab_us-gaap_TimeDepositMaturitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_4e09b555-f6c1-4d12-8166-8364be93e850_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase in allowance for credit losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Period Increase (Decrease)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongtermDebtTypeAxis_38a91207-19fe-43cb-b47a-8931805e0187_terseLabel_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type [Axis]</link:label>
    <link:label id="lab_us-gaap_LongtermDebtTypeAxis_label_en-US" xlink:label="lab_us-gaap_LongtermDebtTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongtermDebtTypeAxis" xlink:to="lab_us-gaap_LongtermDebtTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_AmendmentFlag_446b5e7a-5b02-409b-b20a-74a62a9a0e91_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalFundsPurchasedAverageAmountOutstanding_ce418466-4706-4e7e-a7ef-4641a32a6843_terseLabel_en-US" xlink:label="lab_us-gaap_FederalFundsPurchasedAverageAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal funds purchased, average balance</link:label>
    <link:label id="lab_us-gaap_FederalFundsPurchasedAverageAmountOutstanding_label_en-US" xlink:label="lab_us-gaap_FederalFundsPurchasedAverageAmountOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Funds Purchased, Average Amount Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsPurchasedAverageAmountOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalFundsPurchasedAverageAmountOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalFundsPurchasedAverageAmountOutstanding" xlink:to="lab_us-gaap_FederalFundsPurchasedAverageAmountOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntangibleAssetsDisclosureTextBlock_5eb015ec-5a01-4350-8f82-aa6f84d3ea12_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible Assets</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_IntangibleAssetsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset_3d79bb4b-b46f-4a6d-aa68-dd57f0814466_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Amounts Netted in the Statements of Condition</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, Asset Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:to="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueHedgingMember_aa96ca89-0933-4005-873f-39b8c46dfca5_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueHedgingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value hedging</link:label>
    <link:label id="lab_us-gaap_FairValueHedgingMember_label_en-US" xlink:label="lab_us-gaap_FairValueHedgingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hedging [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueHedgingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueHedgingMember" xlink:to="lab_us-gaap_FairValueHedgingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment_48c60d8a-f22e-4d4c-b8b7-1670642fa0bf_terseLabel_en-US" xlink:label="lab_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases of premises and equipment, net</link:label>
    <link:label id="lab_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment_label_en-US" xlink:label="lab_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds From Sale (Payments To Acquire) Property, Plant And Equipment</link:label>
    <link:label id="lab_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment_documentation_en-US" xlink:label="lab_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Proceeds From Sale (Payments To Acquire) Property, Plant And Equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" xlink:href="fbc-20231231.xsd#fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" xlink:to="lab_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_388808b9-44a3-445c-b3ec-10a42bc2a4f5_terseLabel_en-US" xlink:label="lab_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitization of loans to mortgage-backed securities available for sale</link:label>
    <link:label id="lab_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_label_en-US" xlink:label="lab_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan, Transfer from Held-for-Sale to Held-in-Portfolio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1" xlink:to="lab_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableReclassificationToHeldForSale_4cb33ec1-3a27-453c-a73a-d9c18e743c18_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableReclassificationToHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans reclassified to held-for-sale</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableReclassificationToHeldForSale_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableReclassificationToHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Reclassification to Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableReclassificationToHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableReclassificationToHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableReclassificationToHeldForSale" xlink:to="lab_us-gaap_FinancingReceivableReclassificationToHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale_34a92a70-ded3-48cd-a39f-10b65718130a_terseLabel_en-US" xlink:label="lab_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitization of loans to mortgage-backed securities available for sale</link:label>
    <link:label id="lab_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale_label_en-US" xlink:label="lab_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securitization of Loans to Mortgage-Backed Securities Available-for-Sale</link:label>
    <link:label id="lab_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale_documentation_en-US" xlink:label="lab_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Securitization of Loans to Mortgage-Backed Securities Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" xlink:href="fbc-20231231.xsd#fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" xlink:to="lab_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_FinancingReceivableWithGovernmentGuaranty_81ed91c1-2675-43b4-adac-dff2796d3c91_terseLabel_en-US" xlink:label="lab_fbc_FinancingReceivableWithGovernmentGuaranty" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LGG loans</link:label>
    <link:label id="lab_fbc_FinancingReceivableWithGovernmentGuaranty_label_en-US" xlink:label="lab_fbc_FinancingReceivableWithGovernmentGuaranty" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, With Government Guaranty</link:label>
    <link:label id="lab_fbc_FinancingReceivableWithGovernmentGuaranty_documentation_en-US" xlink:label="lab_fbc_FinancingReceivableWithGovernmentGuaranty" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, With Government Guaranty</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableWithGovernmentGuaranty" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableWithGovernmentGuaranty"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_FinancingReceivableWithGovernmentGuaranty" xlink:to="lab_fbc_FinancingReceivableWithGovernmentGuaranty" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_77d33d7c-aae2-45aa-b086-096db790f4a8_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonaccrual loans with no related allowance - Interest Income Recognized</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:to="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_f3f3381b-4f39-4a94-bf0b-1c6f23b369f5_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted average discount rate percent</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Weighted Average Discount Rate, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent" xlink:to="lab_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestPaidNet_5a9b7ac2-bcf8-41d4-9072-fa3f7584d3d6_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash paid for interest</link:label>
    <link:label id="lab_us-gaap_InterestPaidNet_label_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Paid, Excluding Capitalized Interest, Operating Activities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestPaidNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPaidNet" xlink:to="lab_us-gaap_InterestPaidNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_1cd68e74-bc76-47af-aa7c-ee766b1a50c7_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net interest income</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseNet" xlink:to="lab_us-gaap_InterestIncomeExpenseNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_9025855f-9e87-481a-a9e5-01021ecb32a4_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets:</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract" xlink:to="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_94b8647c-d7ca-4a5f-9064-c4ce0ee368fb_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advance, Maturity, Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MarketableSecuritiesAbstract_89996bd6-67bd-4953-b1ad-485ab2739de5_terseLabel_en-US" xlink:label="lab_us-gaap_MarketableSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Securities</link:label>
    <link:label id="lab_us-gaap_MarketableSecuritiesAbstract_label_en-US" xlink:label="lab_us-gaap_MarketableSecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Securities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecuritiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecuritiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MarketableSecuritiesAbstract" xlink:to="lab_us-gaap_MarketableSecuritiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_bdeaa467-0a22-431e-bf9f-81733e5bb775_netLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Loans modified</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_8f5c3ecd-4276-4102-a559-2434aa746c45_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_7f81c314-6aea-453a-8827-a5412c8429d0_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CoreDepositsMember_92b37393-5150-418f-a000-cc2851651846_terseLabel_en-US" xlink:label="lab_us-gaap_CoreDepositsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Core Deposits</link:label>
    <link:label id="lab_us-gaap_CoreDepositsMember_label_en-US" xlink:label="lab_us-gaap_CoreDepositsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Core Deposits [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CoreDepositsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CoreDepositsMember" xlink:to="lab_us-gaap_CoreDepositsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationsPolicy_62f98763-af5e-4374-95de-3b06829dd3a2_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationsPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combinations Policy</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationsPolicy_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationsPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combinations Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationsPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationsPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationsPolicy" xlink:to="lab_us-gaap_BusinessCombinationsPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SignatureBankMember_a1dbf67b-9183-4024-9dc6-0a2766877522_terseLabel_en-US" xlink:label="lab_fbc_SignatureBankMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Signature Bank</link:label>
    <link:label id="lab_fbc_SignatureBankMember_label_en-US" xlink:label="lab_fbc_SignatureBankMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Signature Bank [Member]</link:label>
    <link:label id="lab_fbc_SignatureBankMember_documentation_en-US" xlink:label="lab_fbc_SignatureBankMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Signature Bank</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBankMember" xlink:href="fbc-20231231.xsd#fbc_SignatureBankMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SignatureBankMember" xlink:to="lab_fbc_SignatureBankMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_34036d49-9975-4c21-a0a8-41bc62284ab5_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non-credit (discount)</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased with Credit Deterioration, Discount (Premium)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:to="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_d9da7bea-2385-425c-b52e-1cad7a6d6c3d_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">2020</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivablesTableTextBlock_5d6ec899-a307-454b-abc5-cf75eff1b039_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Additional Information about Nonaccrual Loans</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivablesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Financing Receivables [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:to="lab_us-gaap_ImpairedFinancingReceivablesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableRecordedInvestment_88758647-741b-49ef-bae7-1c62951409c9_totalLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total nonaccrual loans - Recorded Investment</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableRecordedInvestment_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Financing Receivable, Recorded Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:to="lab_us-gaap_ImpairedFinancingReceivableRecordedInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LeaseholdImprovementsMember_4c605739-15b1-4f30-aa50-02d1e2309423_terseLabel_en-US" xlink:label="lab_us-gaap_LeaseholdImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Leasehold improvements</link:label>
    <link:label id="lab_us-gaap_LeaseholdImprovementsMember_label_en-US" xlink:label="lab_us-gaap_LeaseholdImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Leasehold Improvements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseholdImprovementsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseholdImprovementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LeaseholdImprovementsMember" xlink:to="lab_us-gaap_LeaseholdImprovementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets_81563d79-2bed-4032-9aea-b09bb2ef0f24_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual return (loss) on plan assets</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Increase (Decrease) for Actual Return (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:to="lab_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilities_df2b347a-7308-44b5-9b1f-7561ee9d53b9_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Net deferred tax liability</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilities_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilities" xlink:to="lab_us-gaap_DeferredTaxLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_5b6e9fb3-cd58-47a5-85a8-c038f9c17bd2_totalLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total shares for diluted earnings per common share compensation (in shares)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:to="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExcessCapitalToRiskWeightedAssets_93fdf69c-6aff-4d02-9aa9-37a12c1fde18_terseLabel_en-US" xlink:label="lab_us-gaap_ExcessCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Excess, ratio</link:label>
    <link:label id="lab_us-gaap_ExcessCapitalToRiskWeightedAssets_label_en-US" xlink:label="lab_us-gaap_ExcessCapitalToRiskWeightedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Total Risk-Based Capital Ratio, Excess, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessCapitalToRiskWeightedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessCapitalToRiskWeightedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExcessCapitalToRiskWeightedAssets" xlink:to="lab_us-gaap_ExcessCapitalToRiskWeightedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetsAbstract_d856533f-6a45-431a-9419-0bf4b0ca17c8_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetsAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetsAbstract" xlink:to="lab_us-gaap_DerivativeAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths_e7d4b8ac-6988-4af2-9a23-5c760b92b742_terseLabel_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024</link:label>
    <link:label id="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales-Type and Direct Financing Leases, Payment to be Received, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths" xlink:to="lab_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings_37a0b21b-b956-456e-a007-b3750c2addf1_terseLabel_en-US" xlink:label="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Savings accounts</link:label>
    <link:label id="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings_label_en-US" xlink:label="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Interest-Bearing Domestic Deposits to Deposits, Savings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings" xlink:to="lab_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive_b6ae383a-de48-4afb-8ce5-a9904ae413ed_terseLabel_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive_label_en-US" xlink:label="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Rolling Year Five</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive" xlink:to="lab_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_d70462f9-9f1b-4e04-8d5d-7222719c5e14_terseLabel_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross realized losses</link:label>
    <link:label id="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_label_en-US" xlink:label="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Realized Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:to="lab_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CoSelectedMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:label id="lab_ecd_CoSelectedMeasureAmt_label_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CoSelectedMeasureAmt" xlink:to="lab_ecd_CoSelectedMeasureAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_1d53d89d-837f-4714-9130-3f429b5347de_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Expected Future Benefit Payment, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:to="lab_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_2ca199c3-e23c-4ab1-b227-b5fd7ea08e76_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Mortgage servicing rights</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Mortgage Servicing Rights</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesMortgageServicingRights"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInLoansHeldForSale_00f51e32-9ea2-4b31-a326-7c1e96e8812a_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInLoansHeldForSale" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Change in loans held for sale, net</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInLoansHeldForSale_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInLoansHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Loan, Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInLoansHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale" xlink:to="lab_us-gaap_IncreaseDecreaseInLoansHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Assets_5b63934f-92ac-4a52-8017-4c48161db756_totalLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:label id="lab_us-gaap_Assets_label_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Assets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Assets" xlink:to="lab_us-gaap_Assets" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:to="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_493e079d-9d1c-4a84-8a87-1f70cc47edea_terseLabel_en-US" xlink:label="lab_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">10% adverse change</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_label_en-US" xlink:label="lab_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Adverse Change, Tranche 1 [Abstract]</link:label>
    <link:label id="lab_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_documentation_en-US" xlink:label="lab_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis, Adverse Change, Tranche 1 [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisAdverseChangeTranche1Abstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract" xlink:to="lab_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NumberOfStatesInWhichEntityOperates_6f40a4df-99c7-4c37-b405-960b096242f7_terseLabel_en-US" xlink:label="lab_us-gaap_NumberOfStatesInWhichEntityOperates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of states in which branches are located</link:label>
    <link:label id="lab_us-gaap_NumberOfStatesInWhichEntityOperates_label_en-US" xlink:label="lab_us-gaap_NumberOfStatesInWhichEntityOperates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of States in which Entity Operates</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfStatesInWhichEntityOperates" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NumberOfStatesInWhichEntityOperates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NumberOfStatesInWhichEntityOperates" xlink:to="lab_us-gaap_NumberOfStatesInWhichEntityOperates" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_36050804-f6f2-4f49-9ac5-908e4ed9f457_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation expense related to restricted stock awards</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">APIC, Share-Based Payment Arrangement, Increase for Cost Recognition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_eebebf39-333b-409f-ae83-4927c2c1dd08_terseLabel_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation and benefits</link:label>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_label_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Labor and Related Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LaborAndRelatedExpense" xlink:to="lab_us-gaap_LaborAndRelatedExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_5f9ebc84-9d92-4605-a376-2bb399146638_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vested (in usd per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonNeosMember_terseLabel_en-US" xlink:label="lab_ecd_NonNeosMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-NEOs</link:label>
    <link:label id="lab_ecd_NonNeosMember_label_en-US" xlink:label="lab_ecd_NonNeosMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-NEOs [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonNeosMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonNeosMember" xlink:to="lab_ecd_NonNeosMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PlanAssetCategoriesDomain_2aa1035f-8ad5-42a2-8b46-ad9a70940fc6_terseLabel_en-US" xlink:label="lab_us-gaap_PlanAssetCategoriesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Category [Domain]</link:label>
    <link:label id="lab_us-gaap_PlanAssetCategoriesDomain_label_en-US" xlink:label="lab_us-gaap_PlanAssetCategoriesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Category [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain" xlink:to="lab_us-gaap_PlanAssetCategoriesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_6834d2af-845b-4e6a-89a0-21981d4d3e5a_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonaccrual loans with no related allowance - Recorded Investment</link:label>
    <link:label id="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_label_en-US" xlink:label="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impaired Financing Receivable, with No Related Allowance, Recorded Investment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:to="lab_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PensionPlansDefinedBenefitMember_d5085de9-fa6c-45a6-bfbf-c8043db2ecc3_terseLabel_en-US" xlink:label="lab_us-gaap_PensionPlansDefinedBenefitMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Plan</link:label>
    <link:label id="lab_us-gaap_PensionPlansDefinedBenefitMember_label_en-US" xlink:label="lab_us-gaap_PensionPlansDefinedBenefitMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Plan [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PensionPlansDefinedBenefitMember" xlink:to="lab_us-gaap_PensionPlansDefinedBenefitMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_0da521d0-94f1-4053-ab3d-3430e31164f3_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets_d2413784-8ac6-4192-a164-2ab017583eaa_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held for investment:</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Financial Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets" xlink:to="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_14b646d8-0133-4c65-95d2-c9c8fb8f4bb4_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOWS FROM FINANCING ACTIVITIES:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt_75d3170c-9785-4519-82ee-0f965cff99eb_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Borrowings</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoMember_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO</link:label>
    <link:label id="lab_ecd_NonPeoNeoMember_label_en-US" xlink:label="lab_ecd_NonPeoNeoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonPeoNeoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoMember" xlink:to="lab_ecd_NonPeoNeoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_0d1c99a3-c07d-46c9-8622-62ab79c75591_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Allocation Parameters by Asset Class</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Plan Assets, Target Allocation, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" xlink:to="lab_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MarketableSecurities_a765311b-b1ac-4a4e-a3f2-9afb9fb1d73b_totalLabel_en-US" xlink:label="lab_us-gaap_MarketableSecurities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Fair Value</link:label>
    <link:label id="lab_us-gaap_MarketableSecurities_label_en-US" xlink:label="lab_us-gaap_MarketableSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Securities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecurities" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecurities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MarketableSecurities" xlink:to="lab_us-gaap_MarketableSecurities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToCompAxis_terseLabel_en-US" xlink:label="lab_ecd_AdjToCompAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation:</link:label>
    <link:label id="lab_ecd_AdjToCompAxis_label_en-US" xlink:label="lab_ecd_AdjToCompAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToCompAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="lab_ecd_AdjToCompAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiCost_9697a7ab-5594-4ef6-8f5c-e529a36a26fc_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiCost" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiCost_label_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiCost" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities, FV-NI, Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCost" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiCost"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesFvNiCost" xlink:to="lab_us-gaap_EquitySecuritiesFvNiCost" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ForeclosedAssets_4d2620a4-3375-49d1-a61a-084b3308a26f_terseLabel_en-US" xlink:label="lab_us-gaap_ForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LGG loans, repossessed assets</link:label>
    <link:label id="lab_us-gaap_ForeclosedAssets_label_en-US" xlink:label="lab_us-gaap_ForeclosedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repossessed Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeclosedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ForeclosedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ForeclosedAssets" xlink:to="lab_us-gaap_ForeclosedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BankOwnedLifeInsurance_87627900-a597-40ff-95f5-e803aedf6ff3_verboseLabel_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsurance" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Bank-owned life insurance</link:label>
    <link:label id="lab_us-gaap_BankOwnedLifeInsurance_a2eec7ba-48be-4851-8463-d6004b93fe53_terseLabel_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsurance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment in BOLI</link:label>
    <link:label id="lab_us-gaap_BankOwnedLifeInsurance_label_en-US" xlink:label="lab_us-gaap_BankOwnedLifeInsurance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank Owned Life Insurance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankOwnedLifeInsurance" xlink:to="lab_us-gaap_BankOwnedLifeInsurance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetFairValueGrossLiability_03835345-75d1-4b93-b6c9-9722b07ce71b_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Amounts Netted in the Statements of Condition</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetFairValueGrossLiability_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, Liability Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:to="lab_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StatementScenarioAxis_db841605-f7be-4184-8c9d-007a9de002cd_terseLabel_en-US" xlink:label="lab_srt_StatementScenarioAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Scenario [Axis]</link:label>
    <link:label id="lab_srt_StatementScenarioAxis_label_en-US" xlink:label="lab_srt_StatementScenarioAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Scenario [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatementScenarioAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StatementScenarioAxis" xlink:to="lab_srt_StatementScenarioAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_21e44e74-706b-4964-8fd1-b18eb72c3fed_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net operating loss carryforwards</link:label>
    <link:label id="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_label_en-US" xlink:label="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Assets, Operating Loss Carryforwards</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:to="lab_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_12cf5c45-3471-4cb2-83f3-1e4e23e09ce1_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentLineItems" xlink:to="lab_us-gaap_DebtInstrumentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_71109762-2330-4205-b344-e285a822355a_verboseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Weighted average common shares outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy_d1c4eb66-6ad0-49ef-a885-077a86bd933f_terseLabel_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Servicing Rights</link:label>
    <link:label id="lab_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy_label_en-US" xlink:label="lab_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Banking Activity [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy" xlink:to="lab_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_393fdc47-0c55-4199-afa9-e5fe5870e368_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Premises and equipment</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Property, Plant and Equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapital_12d6d049-934e-47d1-a5df-de66a8f8d190_terseLabel_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total capital, amount</link:label>
    <link:label id="lab_us-gaap_TierOneRiskBasedCapital_label_en-US" xlink:label="lab_us-gaap_TierOneRiskBasedCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking Regulation, Tier 1 Risk-Based Capital, Actual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TierOneRiskBasedCapital" xlink:to="lab_us-gaap_TierOneRiskBasedCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket_9733fdea-1fed-4f4a-9bb5-8d0e788af68b_terseLabel_en-US" xlink:label="lab_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Brokered money market</link:label>
    <link:label id="lab_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket_label_en-US" xlink:label="lab_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest-Bearing Domestic Deposit, Brokered, Money Market</link:label>
    <link:label id="lab_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket_documentation_en-US" xlink:label="lab_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest-Bearing Domestic Deposit, Brokered, Money Market</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket" xlink:href="fbc-20231231.xsd#fbc_InterestBearingDomesticDepositBrokeredMoneyMarket"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket" xlink:to="lab_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_9660e59b-c726-49ea-a052-3caa88539d22_terseLabel_en-US" xlink:label="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Branch [Axis]</link:label>
    <link:label id="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_label_en-US" xlink:label="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Federal Home Loan Bank Branch [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis" xlink:to="lab_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesRightOfUseAsset_c0e3de3d-a75a-4e70-a8bb-928d5ca4e269_negatedTerseLabel_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesRightOfUseAsset" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Right of Use Asset</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesRightOfUseAsset_label_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Right of Use Asset</link:label>
    <link:label id="lab_fbc_DeferredTaxLiabilitiesRightOfUseAsset_documentation_en-US" xlink:label="lab_fbc_DeferredTaxLiabilitiesRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Right of Use Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesRightOfUseAsset" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesRightOfUseAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DeferredTaxLiabilitiesRightOfUseAsset" xlink:to="lab_fbc_DeferredTaxLiabilitiesRightOfUseAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_BONUSESUnitsMember_0716a9ee-d6e1-4a57-8aa5-e9188c469205_terseLabel_en-US" xlink:label="lab_fbc_BONUSESUnitsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">BONUSES Units</link:label>
    <link:label id="lab_fbc_BONUSESUnitsMember_label_en-US" xlink:label="lab_fbc_BONUSESUnitsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">BONUSES Units [Member]</link:label>
    <link:label id="lab_fbc_BONUSESUnitsMember_documentation_en-US" xlink:label="lab_fbc_BONUSESUnitsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">BONUSES Units</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BONUSESUnitsMember" xlink:href="fbc-20231231.xsd#fbc_BONUSESUnitsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_BONUSESUnitsMember" xlink:to="lab_fbc_BONUSESUnitsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearThree_4111ce6c-f64e-4742-a66b-dfd21639d09b_terseLabel_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">More than 2 years through 3 years</link:label>
    <link:label id="lab_us-gaap_TimeDepositMaturitiesYearThree_label_en-US" xlink:label="lab_us-gaap_TimeDepositMaturitiesYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time Deposit Maturities, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TimeDepositMaturitiesYearThree" xlink:to="lab_us-gaap_TimeDepositMaturitiesYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PvpTable_terseLabel_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure</link:label>
    <link:label id="lab_ecd_PvpTable_label_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PvpTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PvpTable" xlink:to="lab_ecd_PvpTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_48ac86a9-4f41-480e-a06d-40556b81d26c_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">CASH FLOWS FROM OPERATING ACTIVITIES:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities, Continuing Operations [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementLineItems_01ae3851-906d-4ac4-939e-c5628fe95371_terseLabel_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:label id="lab_us-gaap_StatementLineItems_label_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementLineItems" xlink:to="lab_us-gaap_StatementLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_fbc_DefinedBenefitPlanCurrentMedicalTrendRate_8ea2dd59-b1d6-42c9-a90a-6f728f1afe7e_terseLabel_en-US" xlink:label="lab_fbc_DefinedBenefitPlanCurrentMedicalTrendRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current medical trend rate</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanCurrentMedicalTrendRate_label_en-US" xlink:label="lab_fbc_DefinedBenefitPlanCurrentMedicalTrendRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Current Medical Trend Rate</link:label>
    <link:label id="lab_fbc_DefinedBenefitPlanCurrentMedicalTrendRate_documentation_en-US" xlink:label="lab_fbc_DefinedBenefitPlanCurrentMedicalTrendRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Current Medical Trend Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanCurrentMedicalTrendRate" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanCurrentMedicalTrendRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_fbc_DefinedBenefitPlanCurrentMedicalTrendRate" xlink:to="lab_fbc_DefinedBenefitPlanCurrentMedicalTrendRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_4fc41231-081e-487b-b269-070f4ae646b9_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amortizable intangibles</link:label>
    <link:label id="lab_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_label_en-US" xlink:label="lab_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Tax Liabilities, Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets" xlink:to="lab_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock_3df709bc-4ed9-4e1c-a40e-461598500954_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Derivative Financial Instruments</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Derivative Instruments [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDerivativeInstrumentsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:to="lab_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDebtTableTextBlock_5e0fdaf1-0312-4f18-b8fc-046d48a8abcd_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Debt</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDebtTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Debt [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDebtTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDebtTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfDebtTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_de8963fa-71fe-41ad-b494-83c26a11a59a_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Domain]</link:label>
    <link:label id="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_label_en-US" xlink:label="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification out of Accumulated Other Comprehensive Income [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:to="lab_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember_25a32874-871c-4c75-8a44-f0485e0567b1_terseLabel_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">U.S. Small-Cap</link:label>
    <link:label id="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember_label_en-US" xlink:label="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Defined Benefit Plan, Equity Securities, US, Small Cap [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember" xlink:to="lab_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember" xlink:type="arc" order="1"/>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>12
<FILENAME>fbc-20231231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2024 Workiva-->
<!--r:bcf5b3f7-51bd-440b-a38b-1e93b39d7ed3,g:a0b96615-d252-4bd2-95c9-6be1cb8e717d-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.flagstar.com/role/Cover" xlink:type="simple" xlink:href="fbc-20231231.xsd#Cover"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_68e5d2aa-2697-45d1-89c5-f95db573c1a9" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable_2a42bc4d-bd89-4f17-8d7e-90da8429427e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_68e5d2aa-2697-45d1-89c5-f95db573c1a9" xlink:to="loc_dei_DocumentInformationTable_2a42bc4d-bd89-4f17-8d7e-90da8429427e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_3f8f0366-bef2-42a4-96d5-18a773695a53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_2a42bc4d-bd89-4f17-8d7e-90da8429427e" xlink:to="loc_us-gaap_StatementClassOfStockAxis_3f8f0366-bef2-42a4-96d5-18a773695a53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3f8f0366-bef2-42a4-96d5-18a773695a53" xlink:to="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_def1023a-e77e-4fbc-a097-cd3676c5f10f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:to="loc_us-gaap_CommonStockMember_def1023a-e77e-4fbc-a097-cd3676c5f10f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BifurcatedOptionNotesUnitSecuritiesMember_ee504005-fbd3-46f8-885d-d07d7712342e" xlink:href="fbc-20231231.xsd#fbc_BifurcatedOptionNotesUnitSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:to="loc_fbc_BifurcatedOptionNotesUnitSecuritiesMember_ee504005-fbd3-46f8-885d-d07d7712342e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_9a563e35-d688-44f5-b126-039a05749821" xlink:href="fbc-20231231.xsd#fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_eddd9fd9-f731-49e1-adf4-ad56823f8f25" xlink:to="loc_fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_9a563e35-d688-44f5-b126-039a05749821" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentInformationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable_2a42bc4d-bd89-4f17-8d7e-90da8429427e" xlink:to="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_849ac40d-b561-428b-addb-8671d7a0fc91" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentType_849ac40d-b561-428b-addb-8671d7a0fc91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentAnnualReport_b05e81b6-91dd-464f-bef5-8b80d342daa3" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentAnnualReport"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentAnnualReport_b05e81b6-91dd-464f-bef5-8b80d342daa3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_3a7b8d65-8ad8-4653-861d-095b206fdeeb" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_CurrentFiscalYearEndDate_3a7b8d65-8ad8-4653-861d-095b206fdeeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_192f549e-26a6-4d92-9377-48a205c1d730" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentPeriodEndDate_192f549e-26a6-4d92-9377-48a205c1d730" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_1cfe4b77-4d51-499e-867e-3c4bd29994ad" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentTransitionReport_1cfe4b77-4d51-499e-867e-3c4bd29994ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_1ad6549a-89c7-41f5-99df-71a9f28b715d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityFileNumber_1ad6549a-89c7-41f5-99df-71a9f28b715d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_037e67f2-21a2-4768-a5c3-f6544c7f8003" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityRegistrantName_037e67f2-21a2-4768-a5c3-f6544c7f8003" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_3d32f3fe-64c7-4266-9e55-4d805e733502" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityIncorporationStateCountryCode_3d32f3fe-64c7-4266-9e55-4d805e733502" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_2fb21e20-9437-4462-bbc8-f4bb8b71885c" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityTaxIdentificationNumber_2fb21e20-9437-4462-bbc8-f4bb8b71885c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_425975c0-cb53-409e-bf66-b543440470bb" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityAddressAddressLine1_425975c0-cb53-409e-bf66-b543440470bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_4ee46e88-e723-4312-a40f-aaa14de8ff20" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityAddressCityOrTown_4ee46e88-e723-4312-a40f-aaa14de8ff20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_2f9d5d76-d1a2-47e1-ad5a-715713bcb612" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityAddressStateOrProvince_2f9d5d76-d1a2-47e1-ad5a-715713bcb612" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_27245daf-3bc3-403e-9af0-b0676c933e2e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityAddressPostalZipCode_27245daf-3bc3-403e-9af0-b0676c933e2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_9dd9cd16-807b-40fb-b8e5-97a5213f633d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_CityAreaCode_9dd9cd16-807b-40fb-b8e5-97a5213f633d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_c3502246-f0b3-4787-a738-88fb9ef0d1cb" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_LocalPhoneNumber_c3502246-f0b3-4787-a738-88fb9ef0d1cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_d69191ef-0642-445a-a69e-76918c931704" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_Security12bTitle_d69191ef-0642-445a-a69e-76918c931704" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_977d5279-7140-4a0e-9861-3ab045582435" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_TradingSymbol_977d5279-7140-4a0e-9861-3ab045582435" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_2bdc4fe0-d6ba-4508-b36a-e2a95bc23bac" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_SecurityExchangeName_2bdc4fe0-d6ba-4508-b36a-e2a95bc23bac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer_5d82ad27-71d4-489a-9af6-cfe8a74c66e4" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityWellKnownSeasonedIssuer"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityWellKnownSeasonedIssuer_5d82ad27-71d4-489a-9af6-cfe8a74c66e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityVoluntaryFilers_4bbc0bda-50aa-4599-b085-06e1898a75fd" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityVoluntaryFilers"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityVoluntaryFilers_4bbc0bda-50aa-4599-b085-06e1898a75fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_5f7b8b07-be82-429e-899c-d9f95c0dff46" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityCurrentReportingStatus_5f7b8b07-be82-429e-899c-d9f95c0dff46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_2ed0dcb9-a484-489e-a90f-8e17c18bff8a" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityInteractiveDataCurrent_2ed0dcb9-a484-489e-a90f-8e17c18bff8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_1ec07d19-84a5-41d9-8112-98c0c42c3d35" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityFilerCategory_1ec07d19-84a5-41d9-8112-98c0c42c3d35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_032d90ce-5278-4ed2-a62c-1c6d7679481d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntitySmallBusiness_032d90ce-5278-4ed2-a62c-1c6d7679481d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_22c78155-39bb-45ef-99ae-c46733de292b" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityEmergingGrowthCompany_22c78155-39bb-45ef-99ae-c46733de292b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_IcfrAuditorAttestationFlag_cdafc3ff-3aaf-40a6-9dd0-f040e57884f6" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_IcfrAuditorAttestationFlag"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_IcfrAuditorAttestationFlag_cdafc3ff-3aaf-40a6-9dd0-f040e57884f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFinStmtErrorCorrectionFlag_93d1eb22-706d-4912-b340-aecbadcecb2a" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFinStmtErrorCorrectionFlag"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentFinStmtErrorCorrectionFlag_93d1eb22-706d-4912-b340-aecbadcecb2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_a6c11270-7594-421a-8950-6ec244e10999" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityShellCompany_a6c11270-7594-421a-8950-6ec244e10999" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityPublicFloat_6b56c096-ac08-4351-87fb-99076f984fa3" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityPublicFloat"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityPublicFloat_6b56c096-ac08-4351-87fb-99076f984fa3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_3ef994cf-8fd6-42d3-b51c-cd37061b963f" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="30" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_3ef994cf-8fd6-42d3-b51c-cd37061b963f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentsIncorporatedByReferenceTextBlock_4c2449f6-3191-4138-b445-a8af9f88c868" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentsIncorporatedByReferenceTextBlock"/>
    <link:presentationArc order="31" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentsIncorporatedByReferenceTextBlock_4c2449f6-3191-4138-b445-a8af9f88c868" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_eaef122e-11dc-4337-b4e7-1587238885f6" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="32" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_EntityCentralIndexKey_eaef122e-11dc-4337-b4e7-1587238885f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_bcab8ebd-2951-4bb6-97da-61bddc22a2e7" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="33" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_AmendmentFlag_bcab8ebd-2951-4bb6-97da-61bddc22a2e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_a7499fbc-1b81-4ea3-a40a-0cebf15e2ba9" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="34" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentFiscalYearFocus_a7499fbc-1b81-4ea3-a40a-0cebf15e2ba9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_7b79d771-eb09-46ef-9c85-d239015ad87f" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="35" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems_6c6fa99d-3e6e-44dd-be7c-1de0c4593007" xlink:to="loc_dei_DocumentFiscalPeriodFocus_7b79d771-eb09-46ef-9c85-d239015ad87f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AuditInformation" xlink:type="simple" xlink:href="fbc-20231231.xsd#AuditInformation"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/AuditInformation" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AuditInformationAbstract_2da0b426-7c9a-41dc-84f1-538010227038" xlink:href="fbc-20231231.xsd#fbc_AuditInformationAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorFirmId_0417863c-98db-4365-ab49-a9ac7dc739bb" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AuditorFirmId"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_AuditInformationAbstract_2da0b426-7c9a-41dc-84f1-538010227038" xlink:to="loc_dei_AuditorFirmId_0417863c-98db-4365-ab49-a9ac7dc739bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorName_2d16733c-f3e6-46d0-a32f-ba73a27f4472" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AuditorName"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_AuditInformationAbstract_2da0b426-7c9a-41dc-84f1-538010227038" xlink:to="loc_dei_AuditorName_2d16733c-f3e6-46d0-a32f-ba73a27f4472" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AuditorLocation_5ae3fa48-c7d6-4cc3-8105-5dc19d222aab" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AuditorLocation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_AuditInformationAbstract_2da0b426-7c9a-41dc-84f1-538010227038" xlink:to="loc_dei_AuditorLocation_5ae3fa48-c7d6-4cc3-8105-5dc19d222aab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofCondition" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofCondition"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofCondition" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_ba97e85c-ddb2-44bf-b553-930fd1e617fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_ba97e85c-ddb2-44bf-b553-930fd1e617fc" xlink:to="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_6b17f547-1bf6-4e5d-a90a-c2f105f14771" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_6b17f547-1bf6-4e5d-a90a-c2f105f14771" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract_210196f6-7c28-42df-a152-35d384faf1bf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract_210196f6-7c28-42df-a152-35d384faf1bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_cfff7409-df20-4e88-95a2-72d64df32101" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract_210196f6-7c28-42df-a152-35d384faf1bf" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_cfff7409-df20-4e88-95a2-72d64df32101" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_f0487789-7ecb-469b-b7a9-483c4f6187fa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract_210196f6-7c28-42df-a152-35d384faf1bf" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_f0487789-7ecb-469b-b7a9-483c4f6187fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_ea2f8b15-8298-476d-ab03-c9f09f41853e" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract_210196f6-7c28-42df-a152-35d384faf1bf" xlink:to="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_ea2f8b15-8298-476d-ab03-c9f09f41853e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_c9fc13aa-f7d7-4575-a5db-61b3d503a8b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_c9fc13aa-f7d7-4575-a5db-61b3d503a8b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_aeb22ada-5dbb-4980-8d45-2218e8cec275" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_aeb22ada-5dbb-4980-8d45-2218e8cec275" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_85f378fc-002e-4a80-97aa-9852982157c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_85f378fc-002e-4a80-97aa-9852982157c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_4803261a-01ca-4f69-ad95-e32789569d7a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_4803261a-01ca-4f69-ad95-e32789569d7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStock_eacadd11-2acc-4a01-9d46-98ee6eebcc54" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_FederalHomeLoanBankStock_eacadd11-2acc-4a01-9d46-98ee6eebcc54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_dc15ad61-c344-458c-8d60-6dab78c34081" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_dc15ad61-c344-458c-8d60-6dab78c34081" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_8d8160df-6026-4901-91df-26b6134c7f36" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_8d8160df-6026-4901-91df-26b6134c7f36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_4468a85b-9149-4e1e-aefa-396b380fcd01" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_Goodwill_4468a85b-9149-4e1e-aefa-396b380fcd01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_e04d41de-a31c-45da-b212-8bad021de70f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAsset"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_ServicingAsset_e04d41de-a31c-45da-b212-8bad021de70f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance_8503988d-0d03-403f-b5f6-ac1a02d389e7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_BankOwnedLifeInsurance_8503988d-0d03-403f-b5f6-ac1a02d389e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_b1f05839-94e9-474e-af78-2ac14b3319de" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_OtherAssets_b1f05839-94e9-474e-af78-2ac14b3319de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_45062941-abc1-458d-9410-fb8896eba9cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Assets"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_882acf72-79a0-49dc-979e-5fcd25717332" xlink:to="loc_us-gaap_Assets_45062941-abc1-458d-9410-fb8896eba9cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_77b64589-1f1c-4226-a778-af80393ac8c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_ba97e85c-ddb2-44bf-b553-930fd1e617fc" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_77b64589-1f1c-4226-a778-af80393ac8c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_e3d797f9-1e5c-4ded-b187-41f67cc8a508" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_77b64589-1f1c-4226-a778-af80393ac8c7" xlink:to="loc_us-gaap_DepositsAbstract_e3d797f9-1e5c-4ded-b187-41f67cc8a508" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities_749d2966-2949-4aa9-b8a0-8891e0a48bac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDepositLiabilities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_e3d797f9-1e5c-4ded-b187-41f67cc8a508" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities_749d2966-2949-4aa9-b8a0-8891e0a48bac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsSavingsDeposits_233a8118-f2f2-4a12-8e68-8f4901de4b5b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsSavingsDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_e3d797f9-1e5c-4ded-b187-41f67cc8a508" xlink:to="loc_us-gaap_DepositsSavingsDeposits_233a8118-f2f2-4a12-8e68-8f4901de4b5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_b9bb1ffe-2a55-4e7f-a2b1-7f9269e63ce7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_e3d797f9-1e5c-4ded-b187-41f67cc8a508" xlink:to="loc_us-gaap_TimeDeposits_b9bb1ffe-2a55-4e7f-a2b1-7f9269e63ce7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_07a6ea3b-0b1d-44d8-8130-6d1a82e39aa7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_e3d797f9-1e5c-4ded-b187-41f67cc8a508" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_07a6ea3b-0b1d-44d8-8130-6d1a82e39aa7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_673c3d6e-3877-4eab-a2e0-4f1b1de8ed12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_e3d797f9-1e5c-4ded-b187-41f67cc8a508" xlink:to="loc_us-gaap_Deposits_673c3d6e-3877-4eab-a2e0-4f1b1de8ed12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesBorrowedAbstract_03b42255-d204-4906-b309-eff362ffdc45" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritiesBorrowedAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_77b64589-1f1c-4226-a778-af80393ac8c7" xlink:to="loc_us-gaap_SecuritiesBorrowedAbstract_03b42255-d204-4906-b309-eff362ffdc45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances_e2bce60b-e475-4c77-854e-a2b96a753c56" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAndFederalReserveBankAdvances"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesBorrowedAbstract_03b42255-d204-4906-b309-eff362ffdc45" xlink:to="loc_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances_e2bce60b-e475-4c77-854e-a2b96a753c56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_b074193d-d6f5-4214-8382-21fe37396bfe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesBorrowedAbstract_03b42255-d204-4906-b309-eff362ffdc45" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_b074193d-d6f5-4214-8382-21fe37396bfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_3612b6f2-6d54-4b41-82e7-69bec9822589" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesBorrowedAbstract_03b42255-d204-4906-b309-eff362ffdc45" xlink:to="loc_us-gaap_SubordinatedDebt_3612b6f2-6d54-4b41-82e7-69bec9822589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_b31989d7-27e8-4f4d-be07-5e0f13c1d70c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritiesBorrowedAbstract_03b42255-d204-4906-b309-eff362ffdc45" xlink:to="loc_us-gaap_LongTermDebt_b31989d7-27e8-4f4d-be07-5e0f13c1d70c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_cc3dcfea-76a5-4e6e-9c59-197419bd00e9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_77b64589-1f1c-4226-a778-af80393ac8c7" xlink:to="loc_us-gaap_OtherLiabilities_cc3dcfea-76a5-4e6e-9c59-197419bd00e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_abc1b34b-5f37-4e3b-8922-502fa5a462b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_77b64589-1f1c-4226-a778-af80393ac8c7" xlink:to="loc_us-gaap_Liabilities_abc1b34b-5f37-4e3b-8922-502fa5a462b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_ea6466d5-b666-4983-8784-ee80db0d0e9a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_77b64589-1f1c-4226-a778-af80393ac8c7" xlink:to="loc_us-gaap_StockholdersEquityAbstract_ea6466d5-b666-4983-8784-ee80db0d0e9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_0edb3f69-0b63-4a36-87d5-4bb2fb24b171" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_ea6466d5-b666-4983-8784-ee80db0d0e9a" xlink:to="loc_us-gaap_PreferredStockValue_0edb3f69-0b63-4a36-87d5-4bb2fb24b171" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_1ac2cac5-4255-44d0-8dac-171207eef3b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_ea6466d5-b666-4983-8784-ee80db0d0e9a" xlink:to="loc_us-gaap_CommonStockValue_1ac2cac5-4255-44d0-8dac-171207eef3b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_57a0af6d-53ca-447c-8466-b892beefbd0e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_ea6466d5-b666-4983-8784-ee80db0d0e9a" xlink:to="loc_us-gaap_AdditionalPaidInCapital_57a0af6d-53ca-447c-8466-b892beefbd0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_6ff53dda-2b72-413f-a2bc-166ecc477ab8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_ea6466d5-b666-4983-8784-ee80db0d0e9a" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_6ff53dda-2b72-413f-a2bc-166ecc477ab8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_e6d7ddf2-f2da-4da8-b965-c118bb333778" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_ea6466d5-b666-4983-8784-ee80db0d0e9a" xlink:to="loc_us-gaap_TreasuryStockCommonValue_e6d7ddf2-f2da-4da8-b965-c118bb333778" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_b37d07e5-302f-4070-aa73-ddf656830d01" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_ea6466d5-b666-4983-8784-ee80db0d0e9a" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_b37d07e5-302f-4070-aa73-ddf656830d01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_f9288b89-c2f8-4982-a85a-9465399d68e9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_b37d07e5-302f-4070-aa73-ddf656830d01" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_f9288b89-c2f8-4982-a85a-9465399d68e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_e1e135a1-ed6e-405b-89d4-053e67fa070a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_b37d07e5-302f-4070-aa73-ddf656830d01" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax_e1e135a1-ed6e-405b-89d4-053e67fa070a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_aca6b5f1-30c6-42e0-9641-73a46ddfab99" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_b37d07e5-302f-4070-aa73-ddf656830d01" xlink:to="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_aca6b5f1-30c6-42e0-9641-73a46ddfab99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_b18be292-6155-4f22-b974-46f382709da6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_b37d07e5-302f-4070-aa73-ddf656830d01" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_b18be292-6155-4f22-b974-46f382709da6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_51944f22-d619-45ee-be85-f2b72111dd57" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_ea6466d5-b666-4983-8784-ee80db0d0e9a" xlink:to="loc_us-gaap_StockholdersEquity_51944f22-d619-45ee-be85-f2b72111dd57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_d4baa501-246b-42b5-8e76-c510d95a82b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_77b64589-1f1c-4226-a778-af80393ac8c7" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_d4baa501-246b-42b5-8e76-c510d95a82b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofConditionParenthetical"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRestricted_fdcb3566-8917-4e18-9914-85a9a43d784f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleRestricted"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRestricted_fdcb3566-8917-4e18-9914-85a9a43d784f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_a577f9df-845c-4f4c-999d-1e558dab3d3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_a577f9df-845c-4f4c-999d-1e558dab3d3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_5a9501e5-8b51-4f22-bfa3-c18e37cde36b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_5a9501e5-8b51-4f22-bfa3-c18e37cde36b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_845f1c7e-644d-4d7c-b912-02b7bca98bf0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_845f1c7e-644d-4d7c-b912-02b7bca98bf0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_d8b2c923-e799-4e9e-9262-56f1b6920d97" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_PreferredStockSharesIssued_d8b2c923-e799-4e9e-9262-56f1b6920d97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_95fc7bd1-8e4c-4f65-838e-ace1bda20848" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_95fc7bd1-8e4c-4f65-838e-ace1bda20848" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_f2f06e30-3a29-4978-86d1-d6a53c210396" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_f2f06e30-3a29-4978-86d1-d6a53c210396" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_b706c4f6-16ed-4eda-bddb-7f29b8320eb3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_b706c4f6-16ed-4eda-bddb-7f29b8320eb3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_f755f485-11b5-4aa8-9c3b-df969c95342d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_CommonStockSharesIssued_f755f485-11b5-4aa8-9c3b-df969c95342d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_05d5fd39-4395-454b-8bd0-302727cb3e3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_05d5fd39-4395-454b-8bd0-302727cb3e3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_58fae22e-d7ee-4e5a-8a2f-957eb58ffa81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_us-gaap_TreasuryStockCommonShares_58fae22e-d7ee-4e5a-8a2f-957eb58ffa81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax_e1795033-3f58-4ced-abc5-e5b8392665bf" xlink:href="fbc-20231231.xsd#fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax_e1795033-3f58-4ced-abc5-e5b8392665bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax_8a9f3dc8-ffc5-41d1-9953-00dfc4280585" xlink:href="fbc-20231231.xsd#fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax_8a9f3dc8-ffc5-41d1-9953-00dfc4280585" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AOCICashFlowHedgeCumulativeGainLossTax_8f0a14e8-b71c-48cf-a88c-85420b59e60a" xlink:href="fbc-20231231.xsd#fbc_AOCICashFlowHedgeCumulativeGainLossTax"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_4dd914af-b0c3-441b-abb5-436f1aa12639" xlink:to="loc_fbc_AOCICashFlowHedgeCumulativeGainLossTax_8f0a14e8-b71c-48cf-a88c-85420b59e60a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofIncomeandComprehensiveIncome"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_d590e2e5-3030-46d2-bb4c-7ce2afa77271" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_18d5ab5b-6217-46a9-8734-8552646440be" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_d590e2e5-3030-46d2-bb4c-7ce2afa77271" xlink:to="loc_us-gaap_StatementTable_18d5ab5b-6217-46a9-8734-8552646440be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_de6093ad-f39b-4018-8a0c-0066de868e40" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_18d5ab5b-6217-46a9-8734-8552646440be" xlink:to="loc_srt_RangeAxis_de6093ad-f39b-4018-8a0c-0066de868e40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_def9bcce-f86f-4826-a9f9-6c24989d7be4" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_de6093ad-f39b-4018-8a0c-0066de868e40" xlink:to="loc_srt_RangeMember_def9bcce-f86f-4826-a9f9-6c24989d7be4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_97fa696f-c1e2-42c3-acfc-f7d5fda5c7fe" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_def9bcce-f86f-4826-a9f9-6c24989d7be4" xlink:to="loc_srt_MaximumMember_97fa696f-c1e2-42c3-acfc-f7d5fda5c7fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_18d5ab5b-6217-46a9-8734-8552646440be" xlink:to="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_7fc5f2c1-162b-41e0-8acd-15dca55d7995" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_7fc5f2c1-162b-41e0-8acd-15dca55d7995" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecurities_68b45fbc-83ee-4cae-b8ab-bd231877f2c3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:to="loc_us-gaap_InterestAndDividendIncomeSecurities_68b45fbc-83ee-4cae-b8ab-bd231877f2c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_19ba6f31-f4df-4f38-9a56-287a9ccb4a1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_b5bec687-73d7-4670-b86b-1f76febc0072" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_19ba6f31-f4df-4f38-9a56-287a9ccb4a1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDemandDepositAccounts_3f63b9ab-930b-4622-b750-b587435c6481" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseDemandDepositAccounts"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpenseDemandDepositAccounts_3f63b9ab-930b-4622-b750-b587435c6481" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseSavingsDeposits_bb107611-e873-4065-b665-5eda0de0ce26" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseSavingsDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpenseSavingsDeposits_bb107611-e873-4065-b665-5eda0de0ce26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseTimeDeposits_3e273066-e223-4f6d-9c55-89dbb0dba081" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseTimeDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpenseTimeDeposits_3e273066-e223-4f6d-9c55-89dbb0dba081" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseLongTermDebt_cbcf47ec-3657-441a-9809-657a81a91846" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseLongTermDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpenseLongTermDebt_cbcf47ec-3657-441a-9809-657a81a91846" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_ca0eb096-eb02-459c-89c6-f44fe3423eb9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_74e7ed0d-4070-4d82-90eb-dbeffffb929d" xlink:to="loc_us-gaap_InterestExpense_ca0eb096-eb02-459c-89c6-f44fe3423eb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_97b0b83c-e934-4377-b605-d24db55b64b0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_97b0b83c-e934-4377-b605-d24db55b64b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_41ae8643-ad41-40ae-b726-b527983ab91d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_41ae8643-ad41-40ae-b726-b527983ab91d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_e3a0db4d-71cd-49d6-ae98-07ab9c2d3190" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_e3a0db4d-71cd-49d6-ae98-07ab9c2d3190" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FeeIncome_124c3c0f-e61d-4bd9-a819-94ed53cad457" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FeeIncome"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_FeeIncome_124c3c0f-e61d-4bd9-a819-94ed53cad457" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_6106b6c4-9d32-48aa-ae12-ea6fc5db0feb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_6106b6c4-9d32-48aa-ae12-ea6fc5db0feb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_887630fa-5524-4ee0-9a3e-ea2e29f0e5ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtAndEquitySecuritiesGainLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_887630fa-5524-4ee0-9a3e-ea2e29f0e5ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_552d36d4-df61-414f-9b3e-e2728e41d3d7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_552d36d4-df61-414f-9b3e-e2728e41d3d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_97a36cd5-56eb-4376-a250-925b80179469" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_97a36cd5-56eb-4376-a250-925b80179469" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LoanAdministrationIncomeExpense_f3ec8376-20ff-4b6e-9728-720e3155f5eb" xlink:href="fbc-20231231.xsd#fbc_LoanAdministrationIncomeExpense"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_fbc_LoanAdministrationIncomeExpense_f3ec8376-20ff-4b6e-9728-720e3155f5eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_4bef181a-6876-4276-9aa3-79db7bd297d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_4bef181a-6876-4276-9aa3-79db7bd297d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_560c9cc4-3b3d-4038-ad50-8e2a0433bf8e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_560c9cc4-3b3d-4038-ad50-8e2a0433bf8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_aec460ff-fee2-440f-b11a-c72d3b5bf632" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncome"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_8703c5d0-5a20-41d0-a63c-6eb28f6a8b44" xlink:to="loc_us-gaap_NoninterestIncome_aec460ff-fee2-440f-b11a-c72d3b5bf632" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_53f87ec1-37f8-4ead-ae59-d5512198a7c9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_LaborAndRelatedExpense_53f87ec1-37f8-4ead-ae59-d5512198a7c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_bc82a989-1ebf-4f06-bcc6-dab37e50d528" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OccupancyNet"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_OccupancyNet_bc82a989-1ebf-4f06-bcc6-dab37e50d528" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeneralAndAdministrativeExpense_dee2f571-5a76-43ae-9591-4d11c0338bfb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GeneralAndAdministrativeExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_GeneralAndAdministrativeExpense_dee2f571-5a76-43ae-9591-4d11c0338bfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingCostsAndExpenses_d503cc6d-6a94-4db1-824d-c90c052d8d18" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingCostsAndExpenses"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_OperatingCostsAndExpenses_d503cc6d-6a94-4db1-824d-c90c052d8d18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_dd3b16f5-03de-4cff-a5d5-53657bb64083" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_dd3b16f5-03de-4cff-a5d5-53657bb64083" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_b7e15095-f6e3-4a30-b85c-0ae1b8f38628" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_b7e15095-f6e3-4a30-b85c-0ae1b8f38628" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_bd3c0983-ae4c-4e83-96e7-53ce3387ddf9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_bd3c0983-ae4c-4e83-96e7-53ce3387ddf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_d0c6c10e-1b3e-4919-abb5-69a8a80ea801" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpense"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_84dcba17-cf9c-446f-9c46-5a380f6a8a93" xlink:to="loc_us-gaap_NoninterestExpense_d0c6c10e-1b3e-4919-abb5-69a8a80ea801" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_b707abbc-ed6d-4d2d-9753-43b82fcde6c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_b707abbc-ed6d-4d2d-9753-43b82fcde6c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_d5f7e86f-e94f-4cc0-81b5-ee58e52ba766" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_d5f7e86f-e94f-4cc0-81b5-ee58e52ba766" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_ef067b27-cf32-4e7e-a0dc-8b911a59339f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_NetIncomeLoss_ef067b27-cf32-4e7e-a0dc-8b911a59339f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_b59dd50c-a8ab-45f4-8368-c15e37543338" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_b59dd50c-a8ab-45f4-8368-c15e37543338" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_037f7945-0ce8-49a4-9751-e2a12f36cb55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_037f7945-0ce8-49a4-9751-e2a12f36cb55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_ca7def35-26a9-4782-b41f-83e1242e7880" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_EarningsPerShareBasic_ca7def35-26a9-4782-b41f-83e1242e7880" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_cfce204d-397b-4951-a8b0-68658cac1168" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_EarningsPerShareDiluted_cfce204d-397b-4951-a8b0-68658cac1168" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_e62c7b19-840b-4e52-8a47-7cc288913735" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_NetIncomeLoss_e62c7b19-840b-4e52-8a47-7cc288913735" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossTaxAbstract"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_c1498456-f154-4def-a2f3-3f96dd626133" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_d2b86537-6f47-43f7-b492-6cdb0a5eef38" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_d2b86537-6f47-43f7-b492-6cdb0a5eef38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax_16fdd2ee-37e6-4d26-9d3a-99c3e080ea64" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax_16fdd2ee-37e6-4d26-9d3a-99c3e080ea64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_d28b1c6e-b6d0-4684-ba02-cb22290706d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_d28b1c6e-b6d0-4684-ba02-cb22290706d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax_cf2b5d9b-4d6a-4698-a817-5e70c71198f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax_cf2b5d9b-4d6a-4698-a817-5e70c71198f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_0bcb2aad-5e63-49ad-8e5b-eb97edd7a2f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax_0bcb2aad-5e63-49ad-8e5b-eb97edd7a2f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_afba82b4-a4b4-4837-8b59-e8b2f34786ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxAbstract_2e5fb3c7-952e-4b6b-ba1c-003a141b000d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_afba82b4-a4b4-4837-8b59-e8b2f34786ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_d1d687dc-c58c-4806-b097-1b2679074b13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_d590e2e5-3030-46d2-bb4c-7ce2afa77271" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTax_d1d687dc-c58c-4806-b097-1b2679074b13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_9e1e33a8-df9c-49ec-9988-7a8d45b97377" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_4f1cd1d4-98d7-4d63-ab15-50857b2ba2d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_9e1e33a8-df9c-49ec-9988-7a8d45b97377" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_4f1cd1d4-98d7-4d63-ab15-50857b2ba2d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax_1e733be3-ecd6-4ebb-be0d-9d86aad882e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_9e1e33a8-df9c-49ec-9988-7a8d45b97377" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax_1e733be3-ecd6-4ebb-be0d-9d86aad882e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_18966d27-711b-45e8-993e-84004ed51a0e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_9e1e33a8-df9c-49ec-9988-7a8d45b97377" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax_18966d27-711b-45e8-993e-84004ed51a0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax_5094e1a7-4a07-4c4e-a6e0-d67120b81b83" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_9e1e33a8-df9c-49ec-9988-7a8d45b97377" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax_5094e1a7-4a07-4c4e-a6e0-d67120b81b83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_4dfd5dee-38b4-48be-af6b-2ffa754ca8dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_9e1e33a8-df9c-49ec-9988-7a8d45b97377" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax_4dfd5dee-38b4-48be-af6b-2ffa754ca8dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofChangesinStockholdersEquity"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_f4df18a7-e50a-455a-8005-7382ca8b6ad0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_126acd43-a666-4dfe-9794-24fc8e6a8e2a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_f4df18a7-e50a-455a-8005-7382ca8b6ad0" xlink:to="loc_us-gaap_StatementTable_126acd43-a666-4dfe-9794-24fc8e6a8e2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_60ab0fe0-f382-4f40-84fb-e84b3c55ba1e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_126acd43-a666-4dfe-9794-24fc8e6a8e2a" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_60ab0fe0-f382-4f40-84fb-e84b3c55ba1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_60ab0fe0-f382-4f40-84fb-e84b3c55ba1e" xlink:to="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_418a01e1-b4ef-4443-915a-bd55625322e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_PreferredStockMember_418a01e1-b4ef-4443-915a-bd55625322e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_31acdae7-990e-4dc3-a3d7-62e64da9d2ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_CommonStockMember_31acdae7-990e-4dc3-a3d7-62e64da9d2ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_f96e2fda-6fa9-40dd-906e-f3abc8c6cbfd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_f96e2fda-6fa9-40dd-906e-f3abc8c6cbfd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_8474855a-36f4-4b9f-bf83-9a77878465dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_RetainedEarningsMember_8474855a-36f4-4b9f-bf83-9a77878465dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember_00ac6773-1508-4289-b537-40aa5f88c3e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_TreasuryStockCommonMember_00ac6773-1508-4289-b537-40aa5f88c3e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_400c080d-2b7f-47f4-b4be-f96afc6fd58f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_6bb0779e-338e-4aeb-8b11-973109dadb68" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_400c080d-2b7f-47f4-b4be-f96afc6fd58f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_7fe4ccd5-c679-4acf-8f73-a105a13d1b70" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_126acd43-a666-4dfe-9794-24fc8e6a8e2a" xlink:to="loc_us-gaap_StatementLineItems_7fe4ccd5-c679-4acf-8f73-a105a13d1b70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_7fe4ccd5-c679-4acf-8f73-a105a13d1b70" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesOutstanding_d99d6713-30d6-4b64-acff-14c0b2a65524" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesOutstanding"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_SharesOutstanding_d99d6713-30d6-4b64-acff-14c0b2a65524" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_6faabc41-e452-4149-b0b4-eada19e423a4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockholdersEquity_6faabc41-e452-4149-b0b4-eada19e423a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_d92f9f40-e0f3-44ba-af44-7509f41ee22b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_d92f9f40-e0f3-44ba-af44-7509f41ee22b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_a3838d3b-b15b-485d-afc7-26e9cb86981b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_a3838d3b-b15b-485d-afc7-26e9cb86981b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_efeeb264-bc4d-441a-b2bf-edcf9156ba25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_efeeb264-bc4d-441a-b2bf-edcf9156ba25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_b4b78d68-541e-468e-bf07-2775c5771d60" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures_b4b78d68-541e-468e-bf07-2775c5771d60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_4e2ac459-9882-4765-badc-ccaa688757fe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_4e2ac459-9882-4765-badc-ccaa688757fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_00e6ae19-a6ed-4ff5-962d-50a0b5c52f5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_NetIncomeLoss_00e6ae19-a6ed-4ff5-962d-50a0b5c52f5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStock_12ff93e0-f055-46bf-a28e-ca971e059022" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendsCommonStock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_DividendsCommonStock_12ff93e0-f055-46bf-a28e-ca971e059022" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStock_d81d4ae6-ed87-4e9d-870e-16f5522996de" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendsPreferredStock"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_DividendsPreferredStock_d81d4ae6-ed87-4e9d-870e-16f5522996de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares_b48e85bb-778f-4928-9675-f48dd1fe2a96" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodShares"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodShares_b48e85bb-778f-4928-9675-f48dd1fe2a96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue_768d0490-8daf-4f99-b85c-7f9d5df25c3b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodValue_768d0490-8daf-4f99-b85c-7f9d5df25c3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_6959623d-0fcf-491c-9a4a-b0c2f72d2e29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_6959623d-0fcf-491c-9a4a-b0c2f72d2e29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesOutstanding_0a32083e-89d4-49d8-83cf-2828ead8b1b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesOutstanding"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_SharesOutstanding_0a32083e-89d4-49d8-83cf-2828ead8b1b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_749716c3-754b-4842-9f65-00d196e73295" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_0c5590fe-6647-4b24-bdae-8d09d1774879" xlink:to="loc_us-gaap_StockholdersEquity_749716c3-754b-4842-9f65-00d196e73295" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid_09ae64d8-5eac-4578-926a-11576eecdb18" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_7fe4ccd5-c679-4acf-8f73-a105a13d1b70" xlink:to="loc_us-gaap_CommonStockDividendsPerShareCashPaid_09ae64d8-5eac-4578-926a-11576eecdb18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquityParenthetical" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofChangesinStockholdersEquityParenthetical"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquityParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_ce695596-7fc0-44ae-ab0a-3cf44a4fc149" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid_46ce82fa-5cac-4aa8-9ed4-25eb3ab245bc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockDividendsPerShareCashPaid"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_ce695596-7fc0-44ae-ab0a-3cf44a4fc149" xlink:to="loc_us-gaap_CommonStockDividendsPerShareCashPaid_46ce82fa-5cac-4aa8-9ed4-25eb3ab245bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsPerShareCashPaid_ee28cdf6-4c98-48fd-ba1d-55e80a70b53e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockDividendsPerShareCashPaid"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_ce695596-7fc0-44ae-ab0a-3cf44a4fc149" xlink:to="loc_us-gaap_PreferredStockDividendsPerShareCashPaid_ee28cdf6-4c98-48fd-ba1d-55e80a70b53e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_1378b027-1542-4269-beaf-8babae0d78cd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_ce695596-7fc0-44ae-ab0a-3cf44a4fc149" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_1378b027-1542-4269-beaf-8babae0d78cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_79822a86-a89f-4cba-ab99-b3d72fae2c63" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_ce695596-7fc0-44ae-ab0a-3cf44a4fc149" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_79822a86-a89f-4cba-ab99-b3d72fae2c63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="fbc-20231231.xsd#ConsolidatedStatementsofCashFlows"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_587159c2-8ba2-4d47-81e5-3e913f43ead9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_8c4dd11a-b50c-4a58-975b-8d43e481b394" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_587159c2-8ba2-4d47-81e5-3e913f43ead9" xlink:to="loc_us-gaap_StatementTable_8c4dd11a-b50c-4a58-975b-8d43e481b394" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_67582733-9df0-402a-b876-7cd5fe86fef2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_8c4dd11a-b50c-4a58-975b-8d43e481b394" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_67582733-9df0-402a-b876-7cd5fe86fef2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_2e04102b-e4b7-4b1d-805e-4585180835d3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_67582733-9df0-402a-b876-7cd5fe86fef2" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_2e04102b-e4b7-4b1d-805e-4585180835d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_837c086f-617d-43ad-ae44-39605b6d6aef" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_2e04102b-e4b7-4b1d-805e-4585180835d3" xlink:to="loc_fbc_FlagstarBancorpMember_837c086f-617d-43ad-ae44-39605b6d6aef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_ac8fd6c9-7132-49fa-97bb-ddb6e8bacccc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_8c4dd11a-b50c-4a58-975b-8d43e481b394" xlink:to="loc_us-gaap_AwardTypeAxis_ac8fd6c9-7132-49fa-97bb-ddb6e8bacccc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f05aa222-b471-4299-8457-2c7a1da296ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_ac8fd6c9-7132-49fa-97bb-ddb6e8bacccc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f05aa222-b471-4299-8457-2c7a1da296ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember_a29b8b90-4acb-430c-b719-f24931228020" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_f05aa222-b471-4299-8457-2c7a1da296ec" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember_a29b8b90-4acb-430c-b719-f24931228020" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_8c4dd11a-b50c-4a58-975b-8d43e481b394" xlink:to="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_1d444057-b1bd-46cd-8f91-24e4a70a1014" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_NetIncomeLoss_1d444057-b1bd-46cd-8f91-24e4a70a1014" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_c36b7b19-52a0-47d3-8a2b-2555c0c717b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_c36b7b19-52a0-47d3-8a2b-2555c0c717b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_c7faf793-e6d9-46d5-b966-a7f08e9a5579" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_c7faf793-e6d9-46d5-b966-a7f08e9a5579" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_7e9a1b3a-7b23-49b8-aa8e-82124eed81ab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Depreciation"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_Depreciation_7e9a1b3a-7b23-49b8-aa8e-82124eed81ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfDebtDiscountPremium_0aece614-726c-4ccc-bc0f-d4d135d65e16" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationOfDebtDiscountPremium"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_AmortizationOfDebtDiscountPremium_0aece614-726c-4ccc-bc0f-d4d135d65e16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f6a2d817-d515-4be4-ac94-86006de5e065" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiGainLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_EquitySecuritiesFvNiGainLoss_f6a2d817-d515-4be4-ac94-86006de5e065" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfNotesReceivable_fc07ab2a-b284-4c53-ad4b-4231f17f9da9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfNotesReceivable"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_GainLossOnSaleOfNotesReceivable_fc07ab2a-b284-4c53-ad4b-4231f17f9da9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_9a83dc60-4aec-4894-8f6f-71a4846bb278" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_GainLossOnSaleOfPropertyPlantEquipment_9a83dc60-4aec-4894-8f6f-71a4846bb278" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_073ed2db-7155-4b18-a768-41063e95a26f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_073ed2db-7155-4b18-a768-41063e95a26f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_842ff17e-fa2b-4874-aa8f-7f605950b3e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_842ff17e-fa2b-4874-aa8f-7f605950b3e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_cdec62d7-b4ee-4dd7-972a-ce85cfee7c0d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensation"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_ShareBasedCompensation_cdec62d7-b4ee-4dd7-972a-ce85cfee7c0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_897ee470-cf3c-45da-888e-f21202b10f5d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_DeferredIncomeTaxExpenseBenefit_897ee470-cf3c-45da-888e-f21202b10f5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_c923d188-f89c-4560-917d-83cda2b96683" xlink:to="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a411cf4c-6720-4239-8abe-4040b138a9a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_a411cf4c-6720-4239-8abe-4040b138a9a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_2d938098-99f8-4302-a8fc-47408628ad56" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_2d938098-99f8-4302-a8fc-47408628ad56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_IncreaseInDebtSecuritiesTrading_65d82403-1675-444b-b808-ecfa526b8fd9" xlink:href="fbc-20231231.xsd#fbc_IncreaseInDebtSecuritiesTrading"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_fbc_IncreaseInDebtSecuritiesTrading_65d82403-1675-444b-b808-ecfa526b8fd9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DecreaseInDebtSecuritiesTrading_6d9491cb-4fbc-45d9-95ae-f33a6ed829a4" xlink:href="fbc-20231231.xsd#fbc_DecreaseInDebtSecuritiesTrading"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_fbc_DecreaseInDebtSecuritiesTrading_6d9491cb-4fbc-45d9-95ae-f33a6ed829a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale_87411c80-6328-4e57-a136-9305ba06fb20" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInLoansHeldForSale"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_49e6151f-314d-4fcb-90c8-091795306bb5" xlink:to="loc_us-gaap_IncreaseDecreaseInLoansHeldForSale_87411c80-6328-4e57-a136-9305ba06fb20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ed7e5178-3720-4d61-9484-5a413d202df9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_ed7e5178-3720-4d61-9484-5a413d202df9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_2478fbf2-1cef-4d3e-ab5a-a7b62f08d952" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_2478fbf2-1cef-4d3e-ab5a-a7b62f08d952" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans_5e32f990-a4f0-4e5c-a1db-4c15e9beb4d8" xlink:href="fbc-20231231.xsd#fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans_5e32f990-a4f0-4e5c-a1db-4c15e9beb4d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_0f0684f2-7ec6-43cb-8958-71340c935e46" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_0f0684f2-7ec6-43cb-8958-71340c935e46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_81a951a8-77b7-4efa-a185-8508905258b7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_81a951a8-77b7-4efa-a185-8508905258b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_fab1c8c0-1a6a-422d-bef8-7421d9966eeb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireFederalHomeLoanBankStock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock_fab1c8c0-1a6a-422d-bef8-7421d9966eeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLifeInsurancePolicies_ada25d14-4c2f-4325-ae7c-d9506f1c03ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromLifeInsurancePolicies"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromLifeInsurancePolicies_ada25d14-4c2f-4325-ae7c-d9506f1c03ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_bdf40705-d5d8-4185-bce5-c5726a1c4521" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfFinanceReceivables"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromSaleOfFinanceReceivables_bdf40705-d5d8-4185-bce5-c5726a1c4521" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireFinanceReceivables_8ac1fc46-833b-4ed8-97b8-58f44729f53d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireFinanceReceivables"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_PaymentsToAcquireFinanceReceivables_8ac1fc46-833b-4ed8-97b8-58f44729f53d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_48f8e06b-e314-4bbb-b815-94e2a28cdc09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_48f8e06b-e314-4bbb-b815-94e2a28cdc09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables_77b88bc7-f9a3-4159-a99b-ff8b1e38cc42" xlink:href="fbc-20231231.xsd#fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables_77b88bc7-f9a3-4159-a99b-ff8b1e38cc42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment_46a27f98-f556-415d-beb8-2afb8d22ef3b" xlink:href="fbc-20231231.xsd#fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment_46a27f98-f556-415d-beb8-2afb8d22ef3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAcquiredFromAcquisition_08a7a83a-f375-40d4-bb41-c7f680785c5f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAcquiredFromAcquisition"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_CashAcquiredFromAcquisition_08a7a83a-f375-40d4-bb41-c7f680785c5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_64f0ac18-61df-4e7a-91b8-26b2fc242ef4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_68739f53-bca3-46b7-babe-ad3580646391" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_64f0ac18-61df-4e7a-91b8-26b2fc242ef4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits_bda814da-de2e-4900-bbbf-eeca04d7d360" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_IncreaseDecreaseInDeposits_bda814da-de2e-4900-bbbf-eeca04d7d360" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_70d2bfc0-d039-4d91-82da-13d1e0874ef8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfShortTermDebt_70d2bfc0-d039-4d91-82da-13d1e0874ef8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1f54b5e3-099e-44c7-afe6-a5aad085b4ac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromIssuanceOfLongTermDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfLongTermDebt_1f54b5e3-099e-44c7-afe6-a5aad085b4ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLongTermDebt_a003c676-dd6b-41f6-908f-fdad321e1f48" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RepaymentsOfLongTermDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_RepaymentsOfLongTermDebt_a003c676-dd6b-41f6-908f-fdad321e1f48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities_c6c28a35-581a-4de5-88bc-9e2180dfa4e5" xlink:href="fbc-20231231.xsd#fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities_c6c28a35-581a-4de5-88bc-9e2180dfa4e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_8aab4bd0-777a-4982-8f45-6557648ba496" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_8aab4bd0-777a-4982-8f45-6557648ba496" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_8f0d011c-9588-4527-9ddd-d00035fab8c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_8f0d011c-9588-4527-9ddd-d00035fab8c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_70b4a9a9-2f37-4a4f-86ce-98bc8cbec757" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_70b4a9a9-2f37-4a4f-86ce-98bc8cbec757" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_a34bd6d1-ebbe-45e0-9d30-561a18442e41" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_a34bd6d1-ebbe-45e0-9d30-561a18442e41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1c15dc12-bd6c-4938-8462-97310f4d28f7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_64f4ca80-96a8-4bc1-8701-6d19001d299e" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_1c15dc12-bd6c-4938-8462-97310f4d28f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_b337a8ab-971a-4df8-aa22-149a120fb29e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_b337a8ab-971a-4df8-aa22-149a120fb29e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_512cc00a-c3e2-48d2-8cd5-64e775540407" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_512cc00a-c3e2-48d2-8cd5-64e775540407" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_c29fc292-443d-4940-b036-44503aa5939c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_c29fc292-443d-4940-b036-44503aa5939c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_e1a64909-fd54-462d-8f68-ec9a8ca2b1cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_e1a64909-fd54-462d-8f68-ec9a8ca2b1cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_5c79ef91-d7d6-4d6b-828c-a23bedd73f26" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestPaidNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_e1a64909-fd54-462d-8f68-ec9a8ca2b1cc" xlink:to="loc_us-gaap_InterestPaidNet_5c79ef91-d7d6-4d6b-828c-a23bedd73f26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaid_fb21d94f-50fe-48e5-b78f-aaa26c978312" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxesPaid"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_e1a64909-fd54-462d-8f68-ec9a8ca2b1cc" xlink:to="loc_us-gaap_IncomeTaxesPaid_fb21d94f-50fe-48e5-b78f-aaa26c978312" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_5ade8f50-6970-4fae-9551-34fc3624f9e8" xlink:to="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferToOtherRealEstate_8e0e66c6-427e-41d4-ae92-1c039cf0b796" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferToOtherRealEstate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_TransferToOtherRealEstate_8e0e66c6-427e-41d4-ae92-1c039cf0b796" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale_3e473ee6-6625-4222-bd2b-47d6a0e829e9" xlink:href="fbc-20231231.xsd#fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale_3e473ee6-6625-4222-bd2b-47d6a0e829e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_44d9b1ca-f046-481f-9872-b51fe0dbda56" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_44d9b1ca-f046-481f-9872-b51fe0dbda56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_fc6942e0-9bc7-420c-b915-a43c99327d6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1_fc6942e0-9bc7-420c-b915-a43c99327d6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans_c993307a-9a2b-403a-a0e0-74e2ce9b8d22" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans_c993307a-9a2b-403a-a0e0-74e2ce9b8d22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssued1_38b428fd-d182-49d8-9145-5898b1fd7cd4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssued1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_StockIssued1_38b428fd-d182-49d8-9145-5898b1fd7cd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationsAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_50915b6e-c0c9-4b12-8298-f937a112f9df" xlink:to="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOfAssetsAcquired_f9b06588-b95d-4398-977e-07e1c95e55ab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOfAssetsAcquired"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_us-gaap_FairValueOfAssetsAcquired_f9b06588-b95d-4398-977e-07e1c95e55ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1_ab3e039d-d2a8-4d86-92e4-753cce955481" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1_ab3e039d-d2a8-4d86-92e4-753cce955481" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired_1317cc27-9187-4ce4-a22b-f1eff34d913a" xlink:href="fbc-20231231.xsd#fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired_1317cc27-9187-4ce4-a22b-f1eff34d913a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1_6cd5d2ec-d2fc-4e00-8c99-12fe46ea635f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1_6cd5d2ec-d2fc-4e00-8c99-12fe46ea635f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommonStockIssuedInBusinessCombination_e175ac53-9dc0-47e5-8610-a14714ad5188" xlink:href="fbc-20231231.xsd#fbc_CommonStockIssuedInBusinessCombination"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_fbc_CommonStockIssuedInBusinessCombination_e175ac53-9dc0-47e5-8610-a14714ad5188" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssued1_bde98b31-818b-45b1-9ac4-0ba6feeb5755" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssued1"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_us-gaap_StockIssued1_bde98b31-818b-45b1-9ac4-0ba6feeb5755" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquityInstrumentFDICAppreciationIssued_ef087f0c-6b9d-4602-92a5-044d37f57c3b" xlink:href="fbc-20231231.xsd#fbc_EquityInstrumentFDICAppreciationIssued"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationsAbstract_ad3c27db-8487-41e1-a4ce-0f4a043f0aac" xlink:to="loc_fbc_EquityInstrumentFDICAppreciationIssued_ef087f0c-6b9d-4602-92a5-044d37f57c3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentation" xlink:type="simple" xlink:href="fbc-20231231.xsd#DescriptionofBusinessOrganizationandBasisofPresentation"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentation" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_ccdc69eb-da92-476e-863a-d2eb42b4caab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock_013a3416-c3b1-4af2-8126-523494153475" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_ccdc69eb-da92-476e-863a-d2eb42b4caab" xlink:to="loc_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock_013a3416-c3b1-4af2-8126-523494153475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPolicies" xlink:type="simple" xlink:href="fbc-20231231.xsd#SummaryofSignificantAccountingPolicies"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SummaryofSignificantAccountingPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_dc98d662-ca8f-406d-acea-d29ddcddd540" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock_ba08f536-b201-4979-9e60-5316f9ed9e57" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_dc98d662-ca8f-406d-acea-d29ddcddd540" xlink:to="loc_us-gaap_SignificantAccountingPoliciesTextBlock_ba08f536-b201-4979-9e60-5316f9ed9e57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinations" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinations"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BusinessCombinations" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_69ff9291-c779-43d8-ac78-cd4c6df14758" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationDisclosureTextBlock_9206b932-b46e-49df-a0fc-8efd8268d99e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_69ff9291-c779-43d8-ac78-cd4c6df14758" xlink:to="loc_us-gaap_BusinessCombinationDisclosureTextBlock_9206b932-b46e-49df-a0fc-8efd8268d99e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncome" xlink:type="simple" xlink:href="fbc-20231231.xsd#AccumulatedOtherComprehensiveIncome"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncome" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_4a59127b-5f8e-4a1e-b8c7-209b443c875e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_4a3eadc4-78ee-4420-bde1-6fbcb59f0ef2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_4a59127b-5f8e-4a1e-b8c7-209b443c875e" xlink:to="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_4a3eadc4-78ee-4420-bde1-6fbcb59f0ef2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecurities" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecurities"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/InvestmentSecurities" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_ce314c61-4e16-4b48-9cee-1dc3809ee144" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_7dc82976-3162-4a52-9714-e6986e65ce6d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_ce314c61-4e16-4b48-9cee-1dc3809ee144" xlink:to="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_7dc82976-3162-4a52-9714-e6986e65ce6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeases" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeases"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeases" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_247b66db-8e38-4c68-afc2-63d479a16105" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesTextBlock_01d56842-da5e-406e-8da2-fc18bfb4f5e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_247b66db-8e38-4c68-afc2-63d479a16105" xlink:to="loc_us-gaap_FinancingReceivablesTextBlock_01d56842-da5e-406e-8da2-fc18bfb4f5e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeases" xlink:type="simple" xlink:href="fbc-20231231.xsd#AllowanceforCreditLossesonLoansandLeases"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeases" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract_8ec38754-04c9-4962-9b63-4af303efe342" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditLossAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesTextBlock_2030f6eb-6729-43ce-9184-448473b283f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllowanceForCreditLossesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_8ec38754-04c9-4962-9b63-4af303efe342" xlink:to="loc_us-gaap_AllowanceForCreditLossesTextBlock_2030f6eb-6729-43ce-9184-448473b283f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/Leases" xlink:type="simple" xlink:href="fbc-20231231.xsd#Leases"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/Leases" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_de418fd8-9f0f-4ee4-a198-d7a7637a0640" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeasesTextBlock_0944d82c-505d-4a50-a745-e76b0e7fdde0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeasesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_de418fd8-9f0f-4ee4-a198-d7a7637a0640" xlink:to="loc_us-gaap_LesseeOperatingLeasesTextBlock_0944d82c-505d-4a50-a745-e76b0e7fdde0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorDirectFinancingLeasesTextBlock_c7fe6159-1c7c-4cb3-ad2b-7028169f9b35" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorDirectFinancingLeasesTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_de418fd8-9f0f-4ee4-a198-d7a7637a0640" xlink:to="loc_us-gaap_LessorDirectFinancingLeasesTextBlock_c7fe6159-1c7c-4cb3-ad2b-7028169f9b35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/MortgageServicingRights" xlink:type="simple" xlink:href="fbc-20231231.xsd#MortgageServicingRights"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/MortgageServicingRights" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_a33eadc8-2049-48eb-a6ef-c993e64ab9ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_cedb9756-fb0a-4ad8-be3b-836c8246adc6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_a33eadc8-2049-48eb-a6ef-c993e64ab9ec" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_cedb9756-fb0a-4ad8-be3b-836c8246adc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/VariableInterestEntities" xlink:type="simple" xlink:href="fbc-20231231.xsd#VariableInterestEntities"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/VariableInterestEntities" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_d4c5cc60-c9a3-4f40-99f3-cf2da2210b33" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_51dbad03-22e0-4c99-9b15-a2606b3fac4b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableInterestEntityDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_d4c5cc60-c9a3-4f40-99f3-cf2da2210b33" xlink:to="loc_us-gaap_VariableInterestEntityDisclosureTextBlock_51dbad03-22e0-4c99-9b15-a2606b3fac4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFunds" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFunds"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BorrowedFunds" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_7497f914-a18b-4993-8329-bc637d642a16" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock_00d5f8e0-57c9-4618-ac1f-89a825d80b41" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_7497f914-a18b-4993-8329-bc637d642a16" xlink:to="loc_us-gaap_DebtDisclosureTextBlock_00d5f8e0-57c9-4618-ac1f-89a825d80b41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/Deposits" xlink:type="simple" xlink:href="fbc-20231231.xsd#Deposits"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/Deposits" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatisticalDisclosureForBanksAbstract_8400bb4d-7611-4361-b00e-49ced4c9ff6e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatisticalDisclosureForBanksAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock_01ab1b96-ac88-4786-91f5-57236e392498" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_8400bb4d-7611-4361-b00e-49ced4c9ff6e" xlink:to="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock_01ab1b96-ac88-4786-91f5-57236e392498" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxes" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxes"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxes" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_431e959c-58c7-4200-9a35-9413850e0db9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_6596ec37-0e22-4c59-8ffc-d22914f09473" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_431e959c-58c7-4200-9a35-9413850e0db9" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_6596ec37-0e22-4c59-8ffc-d22914f09473" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlans" xlink:type="simple" xlink:href="fbc-20231231.xsd#StockRelatedBenefitsPlans"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/StockRelatedBenefitsPlans" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_2c333018-1872-4c34-94ba-4de418652adf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_ce8683f0-7dad-40a6-a5fc-cf61400f992e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_2c333018-1872-4c34-94ba-4de418652adf" xlink:to="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_ce8683f0-7dad-40a6-a5fc-cf61400f992e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivities" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivities"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivities" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_27098899-f39d-42da-ba4f-957132726027" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_2e51d54d-a3c1-48bc-9196-76811478102f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_27098899-f39d-42da-ba4f-957132726027" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_2e51d54d-a3c1-48bc-9196-76811478102f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssets" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssets"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/IntangibleAssets" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_aadcbfca-503e-4708-923c-be4d1b52527e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsDisclosureTextBlock_6ace92fa-cd2a-4853-ad0b-8ce117dc1fa8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_aadcbfca-503e-4708-923c-be4d1b52527e" xlink:to="loc_us-gaap_IntangibleAssetsDisclosureTextBlock_6ace92fa-cd2a-4853-ad0b-8ce117dc1fa8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/Capital" xlink:type="simple" xlink:href="fbc-20231231.xsd#Capital"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/Capital" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_BrokersAndDealersAbstract_411f47dd-1947-4f06-a48b-cd76a780e6b6" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_BrokersAndDealersAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_3dc9c0be-4309-4756-ad46-32979ef1effb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_BrokersAndDealersAbstract_411f47dd-1947-4f06-a48b-cd76a780e6b6" xlink:to="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_3dc9c0be-4309-4756-ad46-32979ef1effb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasures" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasures"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasures" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_65ce8bb6-159a-4f1a-bb63-e55d32da2474" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_fa716775-f1f1-482e-9b8c-770075f5db64" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_65ce8bb6-159a-4f1a-bb63-e55d32da2474" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_fa716775-f1f1-482e-9b8c-770075f5db64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefits" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefits"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefits" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_cb052725-3f8b-43d5-96bc-fb1923a93e7f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_70fdd90a-0691-4a91-b672-8a258be95ab1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_cb052725-3f8b-43d5-96bc-fb1923a93e7f" xlink:to="loc_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock_70fdd90a-0691-4a91-b672-8a258be95ab1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingencies" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingencies"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/CommitmentandContingencies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_063bc8fc-bf9e-433e-964a-8f46686b4ac7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_6833ca74-7993-49af-9811-73c3720cb880" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_063bc8fc-bf9e-433e-964a-8f46686b4ac7" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_6833ca74-7993-49af-9811-73c3720cb880" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/Segments" xlink:type="simple" xlink:href="fbc-20231231.xsd#Segments"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/Segments" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_e6c81573-2ff7-46c9-ae95-425af49ed48a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SegmentReportingAbstract"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformation" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformation"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformation" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6a570be7-3060-43d1-80de-f405be8b41a0" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_5c49e4fd-0dcc-44a7-8dea-bf5741e26920" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6a570be7-3060-43d1-80de-f405be8b41a0" xlink:to="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_5c49e4fd-0dcc-44a7-8dea-bf5741e26920" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SubsequentEvents" xlink:type="simple" xlink:href="fbc-20231231.xsd#SubsequentEvents"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SubsequentEvents" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract_c4939853-16ca-4240-b3b2-b46ab35b601d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsTextBlock_0aaec753-6a6b-4134-9903-23d6cccc4ed4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_c4939853-16ca-4240-b3b2-b46ab35b601d" xlink:to="loc_us-gaap_SubsequentEventsTextBlock_0aaec753-6a6b-4134-9903-23d6cccc4ed4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies" xlink:type="simple" xlink:href="fbc-20231231.xsd#SummaryofSignificantAccountingPoliciesPolicies"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_e5b7b88c-9043-46b5-828a-4c07b29ecd73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_e5b7b88c-9043-46b5-828a-4c07b29ecd73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock_f8a197ef-80e3-4fec-b002-97110d6b20af" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_ConsolidationPolicyTextBlock_f8a197ef-80e3-4fec-b002-97110d6b20af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_40f9d14e-9692-4da2-be9e-58ccc6d64270" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_40f9d14e-9692-4da2-be9e-58ccc6d64270" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock_0ff46320-2d8c-4873-8f30-e1488b6daa35" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock_0ff46320-2d8c-4873-8f30-e1488b6daa35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentPolicyTextBlock_01b2c3e3-1b28-44ec-88f4-88e96f5c2f04" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentPolicyTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_InvestmentPolicyTextBlock_01b2c3e3-1b28-44ec-88f4-88e96f5c2f04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy_e5d958ca-ed57-4b6d-98e2-69ebb9fb866b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy_e5d958ca-ed57-4b6d-98e2-69ebb9fb866b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy_197030fb-4214-4cbd-b9c9-3a4874ae1249" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy_197030fb-4214-4cbd-b9c9-3a4874ae1249" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock_bc929c74-d816-4a02-ad30-b2486d8fbc01" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditLossFinancialInstrumentPolicyTextBlock"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock_bc929c74-d816-4a02-ad30-b2486d8fbc01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_01d6f5b5-d7aa-43e9-ad66-99956e975399" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_01d6f5b5-d7aa-43e9-ad66-99956e975399" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy_6081f7eb-6fdf-40ff-b3e9-18d233317c39" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy_6081f7eb-6fdf-40ff-b3e9-18d233317c39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_edf44e3a-1dd4-4bc4-86ae-5ec8bbb9c017" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_edf44e3a-1dd4-4bc4-86ae-5ec8bbb9c017" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationVariableInterestEntityPolicy_05b68dfb-8c64-47b9-a431-6145672ccfea" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationVariableInterestEntityPolicy"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_ConsolidationVariableInterestEntityPolicy_05b68dfb-8c64-47b9-a431-6145672ccfea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy_871d2d0e-1a0c-4ffe-b520-07df4c253878" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy_871d2d0e-1a0c-4ffe-b520-07df4c253878" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedValuationAllowancePolicy_483a6f7a-90d8-4749-9333-96771808da36" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RealEstateOwnedValuationAllowancePolicy"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_RealEstateOwnedValuationAllowancePolicy_483a6f7a-90d8-4749-9333-96771808da36" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy_ba681765-478a-478f-b4e0-68c22e08030d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy_ba681765-478a-478f-b4e0-68c22e08030d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPolicyTextBlock_d99e46c3-0d0a-4a5c-9b8e-0c72ef93098a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxPolicyTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_IncomeTaxPolicyTextBlock_d99e46c3-0d0a-4a5c-9b8e-0c72ef93098a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesPolicyTextBlock_7a169f92-4db7-487f-b612-f8ef6e80b87d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativesPolicyTextBlock"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_DerivativesPolicyTextBlock_7a169f92-4db7-487f-b612-f8ef6e80b87d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies_8e4e7e65-ab97-4880-a435-ce4cd20caa37" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies_8e4e7e65-ab97-4880-a435-ce4cd20caa37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_2ff8cee8-b192-4d78-bff6-35eb9c79f4e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy_2ff8cee8-b192-4d78-bff6-35eb9c79f4e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerSharePolicyTextBlock_dd3c06eb-40a9-4ee0-8fef-3f4d2b666786" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerSharePolicyTextBlock"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_EarningsPerSharePolicyTextBlock_dd3c06eb-40a9-4ee0-8fef-3f4d2b666786" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeLeasesPolicyTextBlock_66b878b8-0807-41ea-ba38-b3e075176015" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeLeasesPolicyTextBlock"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_LesseeLeasesPolicyTextBlock_66b878b8-0807-41ea-ba38-b3e075176015" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorLeasesPolicyTextBlock_14e2e018-e24f-4707-a4da-d5cf810eec97" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorLeasesPolicyTextBlock"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_LessorLeasesPolicyTextBlock_14e2e018-e24f-4707-a4da-d5cf810eec97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetRetirementObligationsPolicy_2e0da465-b3b0-40bd-90d7-82bb284e1bc1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetRetirementObligationsPolicy"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_AssetRetirementObligationsPolicy_2e0da465-b3b0-40bd-90d7-82bb284e1bc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankOwnedLifeInsurancePolicyTextBlock_23910a93-50e0-4b21-9095-86e12b041f53" xlink:href="fbc-20231231.xsd#fbc_BankOwnedLifeInsurancePolicyTextBlock"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_fbc_BankOwnedLifeInsurancePolicyTextBlock_23910a93-50e0-4b21-9095-86e12b041f53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationsPolicy_6738fadd-8660-4b8e-a494-0eee083ef806" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationsPolicy"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_BusinessCombinationsPolicy_6738fadd-8660-4b8e-a494-0eee083ef806" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_6e25c323-d3a5-423d-960e-a48eddb3e494" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_fa19bc80-f116-4a02-801a-b7a98e0ae891" xlink:to="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_6e25c323-d3a5-423d-960e-a48eddb3e494" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#DescriptionofBusinessOrganizationandBasisofPresentationTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_07cd74bb-973d-45c7-b19b-82de10085f7f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_864cba9d-f87d-4f1b-92fc-f433268aed40" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_07cd74bb-973d-45c7-b19b-82de10085f7f" xlink:to="loc_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_864cba9d-f87d-4f1b-92fc-f433268aed40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#SummaryofSignificantAccountingPoliciesTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_cb1ba7f9-4266-40bb-b10e-9677f684a661" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_4b2aa807-f2f8-4afc-a4e6-cda1469cabf9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_cb1ba7f9-4266-40bb-b10e-9677f684a661" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_4b2aa807-f2f8-4afc-a4e6-cda1469cabf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTextBlock_28f61294-d149-4de9-ab53-20249dc18f53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_cb1ba7f9-4266-40bb-b10e-9677f684a661" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTextBlock_28f61294-d149-4de9-ab53-20249dc18f53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_d63422fe-6eef-4075-8316-c156e05b7549" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock_e209ba31-9248-4283-8983-63e54bd45e7e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_d63422fe-6eef-4075-8316-c156e05b7549" xlink:to="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock_e209ba31-9248-4283-8983-63e54bd45e7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock_9513d6cd-9bf1-4098-b31b-75609ab1746f" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_d63422fe-6eef-4075-8316-c156e05b7549" xlink:to="loc_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock_9513d6cd-9bf1-4098-b31b-75609ab1746f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionProFormaInformationTextBlock_02afea04-3da4-491b-a1d2-1a61fab4bcc6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionProFormaInformationTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_d63422fe-6eef-4075-8316-c156e05b7549" xlink:to="loc_us-gaap_BusinessAcquisitionProFormaInformationTextBlock_02afea04-3da4-491b-a1d2-1a61fab4bcc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#AccumulatedOtherComprehensiveIncomeTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_a9b5406e-5c8a-482c-9e23-dc9dde5bda33" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_aec2b931-e3ab-47ee-a8d2-2b72273819f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_a9b5406e-5c8a-482c-9e23-dc9dde5bda33" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_aec2b931-e3ab-47ee-a8d2-2b72273819f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_4cc40590-bc02-458c-be08-e2e8ba2d0f0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock_4346b3ce-c84a-4df8-aea7-f8d96554b2bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_4cc40590-bc02-458c-be08-e2e8ba2d0f0c" xlink:to="loc_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock_4346b3ce-c84a-4df8-aea7-f8d96554b2bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_8c6bdc50-2990-493d-b8f2-a1dde424d64e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfRealizedGainLossTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_4cc40590-bc02-458c-be08-e2e8ba2d0f0c" xlink:to="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_8c6bdc50-2990-493d-b8f2-a1dde424d64e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesTextBlock_e2ff0e71-51e2-402b-b52c-e69b9d85491b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_4cc40590-bc02-458c-be08-e2e8ba2d0f0c" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesTextBlock_e2ff0e71-51e2-402b-b52c-e69b9d85491b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_f82b3b41-8a32-4582-b415-41ac09600d05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_4cc40590-bc02-458c-be08-e2e8ba2d0f0c" xlink:to="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_f82b3b41-8a32-4582-b415-41ac09600d05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_7c0e1063-8b2d-42d2-8f33-bf26cdb65f44" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_7f8442cb-739b-4564-bd66-5cca4e412899" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_7c0e1063-8b2d-42d2-8f33-bf26cdb65f44" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_7f8442cb-739b-4564-bd66-5cca4e412899" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_58c6183b-7190-4d2f-8f46-736aeb11b346" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_7c0e1063-8b2d-42d2-8f33-bf26cdb65f44" xlink:to="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_58c6183b-7190-4d2f-8f46-736aeb11b346" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_c6297d02-96e2-4047-bc7b-ea215fdf3f0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_7c0e1063-8b2d-42d2-8f33-bf26cdb65f44" xlink:to="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_c6297d02-96e2-4047-bc7b-ea215fdf3f0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_27f85b97-e7de-4546-a0f2-b848418fdaf5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_7c0e1063-8b2d-42d2-8f33-bf26cdb65f44" xlink:to="loc_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock_27f85b97-e7de-4546-a0f2-b848418fdaf5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_57701998-3bfc-477a-87fb-b3ff38c67afd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_7c0e1063-8b2d-42d2-8f33-bf26cdb65f44" xlink:to="loc_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_57701998-3bfc-477a-87fb-b3ff38c67afd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#AllowanceforCreditLossesonLoansandLeasesTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract_69fec68a-7ca2-474c-8811-98e74913df9a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditLossAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_2416900d-cbea-44dc-8f78-66549faf0170" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_69fec68a-7ca2-474c-8811-98e74913df9a" xlink:to="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_2416900d-cbea-44dc-8f78-66549faf0170" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivablesTableTextBlock_79948f27-b781-4b7f-83bb-a7188a242bd6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_69fec68a-7ca2-474c-8811-98e74913df9a" xlink:to="loc_us-gaap_ImpairedFinancingReceivablesTableTextBlock_79948f27-b781-4b7f-83bb-a7188a242bd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_03c4eb35-6040-4303-854f-295e31a784b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock_ee0ede06-f66e-4a8a-af4a-801ebbc0ed59" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_03c4eb35-6040-4303-854f-295e31a784b4" xlink:to="loc_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock_ee0ede06-f66e-4a8a-af4a-801ebbc0ed59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentInLeasePastDueTableTextBlock_99bf12be-fe0f-4997-84cd-bfa2e2ec1b33" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetInvestmentInLeasePastDueTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_03c4eb35-6040-4303-854f-295e31a784b4" xlink:to="loc_us-gaap_NetInvestmentInLeasePastDueTableTextBlock_99bf12be-fe0f-4997-84cd-bfa2e2ec1b33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock_387106a1-749c-4ed7-bb73-fefe753cb67d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_03c4eb35-6040-4303-854f-295e31a784b4" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock_387106a1-749c-4ed7-bb73-fefe753cb67d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostTableTextBlock_8a59b557-0135-48f5-8d1a-d893da07a65b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseCostTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_03c4eb35-6040-4303-854f-295e31a784b4" xlink:to="loc_us-gaap_LeaseCostTableTextBlock_8a59b557-0135-48f5-8d1a-d893da07a65b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AssetsAndLiabilitiesLesseeTableTextBlock_8f1627c6-1f9d-4681-b3f7-685e2dcc0573" xlink:href="fbc-20231231.xsd#fbc_AssetsAndLiabilitiesLesseeTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_03c4eb35-6040-4303-854f-295e31a784b4" xlink:to="loc_fbc_AssetsAndLiabilitiesLesseeTableTextBlock_8f1627c6-1f9d-4681-b3f7-685e2dcc0573" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_d9f0b7d7-9aee-443f-8298-5febfa4c38e7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_03c4eb35-6040-4303-854f-295e31a784b4" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_d9f0b7d7-9aee-443f-8298-5febfa4c38e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/MortgageServicingRightsTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#MortgageServicingRightsTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/MortgageServicingRightsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_32d846ba-f689-46c5-b030-8a01ed30af50" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_8405beb5-9c18-4d30-9194-da173bb8e143" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_32d846ba-f689-46c5-b030-8a01ed30af50" xlink:to="loc_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_8405beb5-9c18-4d30-9194-da173bb8e143" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_c6179048-fd79-4bc4-99d9-9fcd3586aa43" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_32d846ba-f689-46c5-b030-8a01ed30af50" xlink:to="loc_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_c6179048-fd79-4bc4-99d9-9fcd3586aa43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock_c01ea568-3f42-4224-bd4b-d3c20462d940" xlink:href="fbc-20231231.xsd#fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_32d846ba-f689-46c5-b030-8a01ed30af50" xlink:to="loc_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock_c01ea568-3f42-4224-bd4b-d3c20462d940" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BorrowedFundsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_8ed6897a-94ed-46bf-9208-ca7aacc9aa05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock_1d9928f2-16b3-43ea-8c0a-a5e9521f9ec4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDebtTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_8ed6897a-94ed-46bf-9208-ca7aacc9aa05" xlink:to="loc_us-gaap_ScheduleOfDebtTableTextBlock_1d9928f2-16b3-43ea-8c0a-a5e9521f9ec4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_52175bb0-3af3-416c-b707-9bfc410d7bd0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_8ed6897a-94ed-46bf-9208-ca7aacc9aa05" xlink:to="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock_52175bb0-3af3-416c-b707-9bfc410d7bd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock_8ba36182-50b2-4642-8d45-9b5d77c46703" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfSubordinatedBorrowingTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_8ed6897a-94ed-46bf-9208-ca7aacc9aa05" xlink:to="loc_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock_8ba36182-50b2-4642-8d45-9b5d77c46703" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DepositsTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#DepositsTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DepositsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatisticalDisclosureForBanksAbstract_b6b0a5cb-64f9-4e5a-ad40-346cc39c8529" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatisticalDisclosureForBanksAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesTypeTableTextBlock_9d1eefcc-94a4-4d65-b5a3-bdd64b9122fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositLiabilitiesTypeTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_b6b0a5cb-64f9-4e5a-ad40-346cc39c8529" xlink:to="loc_us-gaap_DepositLiabilitiesTypeTableTextBlock_9d1eefcc-94a4-4d65-b5a3-bdd64b9122fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesTableTextBlock_7cd68f3b-7159-42fa-8be4-45e0a092ffd5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_b6b0a5cb-64f9-4e5a-ad40-346cc39c8529" xlink:to="loc_us-gaap_TimeDepositMaturitiesTableTextBlock_7cd68f3b-7159-42fa-8be4-45e0a092ffd5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxesTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_fc9b0235-ee2b-44ce-83ed-2877852dc02a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_4ab59bae-785d-40b7-a3a9-d7b58b19fa2c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_fc9b0235-ee2b-44ce-83ed-2877852dc02a" xlink:to="loc_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_4ab59bae-785d-40b7-a3a9-d7b58b19fa2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_63455d63-fa4e-4280-bdd4-93bad0da88a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_fc9b0235-ee2b-44ce-83ed-2877852dc02a" xlink:to="loc_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_63455d63-fa4e-4280-bdd4-93bad0da88a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_283971f7-d938-4865-9026-0550697d1262" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_fc9b0235-ee2b-44ce-83ed-2877852dc02a" xlink:to="loc_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_283971f7-d938-4865-9026-0550697d1262" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock_b73b7bef-85a2-468e-ae94-c38258b995ac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SummaryOfIncomeTaxContingenciesTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_fc9b0235-ee2b-44ce-83ed-2877852dc02a" xlink:to="loc_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock_b73b7bef-85a2-468e-ae94-c38258b995ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#StockRelatedBenefitsPlansTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/StockRelatedBenefitsPlansTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_d504b20a-0398-49be-8eeb-14c456e0b7ee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock_d0817457-37fb-4706-9abb-9439764f61e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_d504b20a-0398-49be-8eeb-14c456e0b7ee" xlink:to="loc_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock_d0817457-37fb-4706-9abb-9439764f61e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock_1b52bb27-8f46-4e38-9a7a-2840010289aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_d504b20a-0398-49be-8eeb-14c456e0b7ee" xlink:to="loc_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock_1b52bb27-8f46-4e38-9a7a-2840010289aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e3e185fc-4f6c-4bdb-a779-bc4836a38d3d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock_374791ff-dc03-41f2-9d11-f0f5372442c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDerivativeInstrumentsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e3e185fc-4f6c-4bdb-a779-bc4836a38d3d" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock_374791ff-dc03-41f2-9d11-f0f5372442c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesTableTextBlock_93c09235-3b58-4687-944b-a2321ab6d35a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingLiabilitiesTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e3e185fc-4f6c-4bdb-a779-bc4836a38d3d" xlink:to="loc_us-gaap_OffsettingLiabilitiesTableTextBlock_93c09235-3b58-4687-944b-a2321ab6d35a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTableTextBlock_5c8e17be-e084-4250-b64d-46cffb2d2c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingAssetsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e3e185fc-4f6c-4bdb-a779-bc4836a38d3d" xlink:to="loc_us-gaap_OffsettingAssetsTableTextBlock_5c8e17be-e084-4250-b64d-46cffb2d2c6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock_234e225b-2520-43ad-9f0a-85c5d3b19039" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e3e185fc-4f6c-4bdb-a779-bc4836a38d3d" xlink:to="loc_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock_234e225b-2520-43ad-9f0a-85c5d3b19039" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_3443f684-51fa-4fc3-8b19-28d8b6df678b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e3e185fc-4f6c-4bdb-a779-bc4836a38d3d" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_3443f684-51fa-4fc3-8b19-28d8b6df678b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssetsTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssetsTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/IntangibleAssetsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6873c9a6-5bd4-4a7d-b58b-4e433784f8ac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGoodwillTextBlock_975f2c47-d5fc-4384-b43a-4b3edaeacc6a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfGoodwillTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6873c9a6-5bd4-4a7d-b58b-4e433784f8ac" xlink:to="loc_us-gaap_ScheduleOfGoodwillTextBlock_975f2c47-d5fc-4384-b43a-4b3edaeacc6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_b3ada108-1553-4126-b574-fd4b02a7eb05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6873c9a6-5bd4-4a7d-b58b-4e433784f8ac" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_b3ada108-1553-4126-b574-fd4b02a7eb05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_8eb85112-e255-4dde-8366-1fac22454446" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_6873c9a6-5bd4-4a7d-b58b-4e433784f8ac" xlink:to="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_8eb85112-e255-4dde-8366-1fac22454446" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CapitalTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#CapitalTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/CapitalTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_BrokersAndDealersAbstract_ee9b45a3-4623-42d3-a579-6549e4d484a1" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_BrokersAndDealersAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_61621274-f4af-421a-ba7d-9e5fc9d0f21a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_BrokersAndDealersAbstract_ee9b45a3-4623-42d3-a579-6549e4d484a1" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_61621274-f4af-421a-ba7d-9e5fc9d0f21a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_ed517e44-16d1-4303-b698-eaccee9ce052" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_ccd7b143-76aa-4bcb-b2fb-098a2a54d160" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ed517e44-16d1-4303-b698-eaccee9ce052" xlink:to="loc_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_ccd7b143-76aa-4bcb-b2fb-098a2a54d160" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_a74b8070-c6cb-4e96-b387-a8ef45cf94db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ed517e44-16d1-4303-b698-eaccee9ce052" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_a74b8070-c6cb-4e96-b387-a8ef45cf94db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_d42dae23-1db2-42a6-ba62-2009f1f636e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ed517e44-16d1-4303-b698-eaccee9ce052" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_d42dae23-1db2-42a6-ba62-2009f1f636e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_8bc77c58-69e2-4c3b-87ab-6add0ce16f2d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ed517e44-16d1-4303-b698-eaccee9ce052" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_8bc77c58-69e2-4c3b-87ab-6add0ce16f2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_5109feab-b315-4b04-832d-543ec1c203f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ed517e44-16d1-4303-b698-eaccee9ce052" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_5109feab-b315-4b04-832d-543ec1c203f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock_19d89a15-6e34-4ff1-8dc8-ea571d54dde0" xlink:href="fbc-20231231.xsd#fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ed517e44-16d1-4303-b698-eaccee9ce052" xlink:to="loc_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock_19d89a15-6e34-4ff1-8dc8-ea571d54dde0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_d4b5f05c-c450-4e77-954c-8b61fb33fb71" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ed517e44-16d1-4303-b698-eaccee9ce052" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_d4b5f05c-c450-4e77-954c-8b61fb33fb71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_056ec55b-887f-4ffd-a99f-12b6afc0cc02" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock_9631b8b0-85aa-4d5f-9954-0ce6bff17666" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_056ec55b-887f-4ffd-a99f-12b6afc0cc02" xlink:to="loc_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock_9631b8b0-85aa-4d5f-9954-0ce6bff17666" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock_81ff1f54-8fa2-4122-be48-f84ca5cdd68a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_056ec55b-887f-4ffd-a99f-12b6afc0cc02" xlink:to="loc_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock_81ff1f54-8fa2-4122-be48-f84ca5cdd68a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_5473ab7b-13b4-4af8-8d17-6c409ea682b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfNetBenefitCostsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_056ec55b-887f-4ffd-a99f-12b6afc0cc02" xlink:to="loc_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock_5473ab7b-13b4-4af8-8d17-6c409ea682b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock_59355a99-bb66-46f9-a9c4-4ca3701e9132" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_056ec55b-887f-4ffd-a99f-12b6afc0cc02" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock_59355a99-bb66-46f9-a9c4-4ca3701e9132" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock_5f9c5df1-e2cf-4ee5-a629-19ccff0af1bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_056ec55b-887f-4ffd-a99f-12b6afc0cc02" xlink:to="loc_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock_5f9c5df1-e2cf-4ee5-a629-19ccff0af1bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock_84a74e75-99b7-44e0-b3a0-037b0b8c32b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_056ec55b-887f-4ffd-a99f-12b6afc0cc02" xlink:to="loc_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock_84a74e75-99b7-44e0-b3a0-037b0b8c32b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingenciesTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingenciesTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/CommitmentandContingenciesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_6c2079ab-0a3e-4de3-afbb-64bcd65d4cd6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTableTextBlock_cc96df3e-af09-4b95-856d-e2365d13144a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_6c2079ab-0a3e-4de3-afbb-64bcd65d4cd6" xlink:to="loc_us-gaap_OtherCommitmentsTableTextBlock_cc96df3e-af09-4b95-856d-e2365d13144a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_fc071663-a243-46a2-a1e3-952541484d2e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfGuaranteeObligationsTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_6c2079ab-0a3e-4de3-afbb-64bcd65d4cd6" xlink:to="loc_us-gaap_ScheduleOfGuaranteeObligationsTextBlock_fc071663-a243-46a2-a1e3-952541484d2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SegmentsTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#SegmentsTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SegmentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_22fafc37-f18d-4d26-8da0-427696e21bc3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SegmentReportingAbstract"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationTables" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationTables"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_f5ce50b4-27d3-4493-b9ff-a4b10c177d53" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_aa93f086-e29d-4392-b8ab-042c5fdd36a5" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScheduleOfCondensedBalanceSheetTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_f5ce50b4-27d3-4493-b9ff-a4b10c177d53" xlink:to="loc_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_aa93f086-e29d-4392-b8ab-042c5fdd36a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_ecb26cb6-d30b-4eb8-a979-bceeca4c4538" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScheduleOfCondensedIncomeStatementTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_f5ce50b4-27d3-4493-b9ff-a4b10c177d53" xlink:to="loc_srt_ScheduleOfCondensedIncomeStatementTableTextBlock_ecb26cb6-d30b-4eb8-a979-bceeca4c4538" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_bfc41734-dcee-4c16-83c9-566228f40468" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_f5ce50b4-27d3-4493-b9ff-a4b10c177d53" xlink:to="loc_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock_bfc41734-dcee-4c16-83c9-566228f40468" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DescriptionofBusinessOrganizationandBasisofPresentationDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_e957a9e8-c897-42f1-b295-ccefe25ba868" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable_7c25cc70-6de1-4db0-a133-38fb95f65f8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_e957a9e8-c897-42f1-b295-ccefe25ba868" xlink:to="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable_7c25cc70-6de1-4db0-a133-38fb95f65f8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis_289f3abb-2c2e-4e59-8a45-8ad12b64849c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable_7c25cc70-6de1-4db0-a133-38fb95f65f8d" xlink:to="loc_us-gaap_SubsidiarySaleOfStockAxis_289f3abb-2c2e-4e59-8a45-8ad12b64849c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_66f8a0b1-9682-4dcb-9a30-bb194e1b11c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_289f3abb-2c2e-4e59-8a45-8ad12b64849c" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_66f8a0b1-9682-4dcb-9a30-bb194e1b11c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IPOMember_eeb50a84-4f32-4a65-8ad9-a5222f564210" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IPOMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_66f8a0b1-9682-4dcb-9a30-bb194e1b11c5" xlink:to="loc_us-gaap_IPOMember_eeb50a84-4f32-4a65-8ad9-a5222f564210" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable_7c25cc70-6de1-4db0-a133-38fb95f65f8d" xlink:to="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_d77a28b4-7255-4fc4-8176-359d05ae49b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_d77a28b4-7255-4fc4-8176-359d05ae49b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesIssuedPricePerShare_297a67b5-c223-4e1e-8295-f8c4cd5f95eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesIssuedPricePerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_us-gaap_SharesIssuedPricePerShare_297a67b5-c223-4e1e-8295-f8c4cd5f95eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SharesIssuedPricePerShareSplitAdjustedBasis_1cd67670-9b24-4151-a922-05493308bbe1" xlink:href="fbc-20231231.xsd#fbc_SharesIssuedPricePerShareSplitAdjustedBasis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_fbc_SharesIssuedPricePerShareSplitAdjustedBasis_1cd67670-9b24-4151-a922-05493308bbe1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfBranches_025983ed-dbae-4483-a9af-0f2822181c30" xlink:href="fbc-20231231.xsd#fbc_NumberOfBranches"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_fbc_NumberOfBranches_025983ed-dbae-4483-a9af-0f2822181c30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators_480cfaa1-99da-494b-8861-8240029d078a" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators_480cfaa1-99da-494b-8861-8240029d078a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfLocalDivisions_b8f93011-5538-4380-b50e-85163aaf1ed2" xlink:href="fbc-20231231.xsd#fbc_NumberOfLocalDivisions"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_fbc_NumberOfLocalDivisions_b8f93011-5538-4380-b50e-85163aaf1ed2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfStatesInWhichEntityOperates_5f6933bb-e54a-46e3-9352-a67578e22aa3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NumberOfStatesInWhichEntityOperates"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems_2e302c43-a18b-4e40-91d0-1aca513ff7ae" xlink:to="loc_us-gaap_NumberOfStatesInWhichEntityOperates_5f6933bb-e54a-46e3-9352-a67578e22aa3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#SummaryofSignificantAccountingPoliciesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_6891daf1-4604-4190-aca3-45f6e0f65e81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_6891daf1-4604-4190-aca3-45f6e0f65e81" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7ed662c5-0c45-4fee-a51a-ac5c3ae20ee2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7ed662c5-0c45-4fee-a51a-ac5c3ae20ee2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_80dfb1dd-72d7-4324-bb9b-5380cb2d40c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7ed662c5-0c45-4fee-a51a-ac5c3ae20ee2" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_80dfb1dd-72d7-4324-bb9b-5380cb2d40c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember_c6c2484a-3778-4501-955c-f6405a0cbec8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_80dfb1dd-72d7-4324-bb9b-5380cb2d40c0" xlink:to="loc_us-gaap_UnfundedLoanCommitmentMember_c6c2484a-3778-4501-955c-f6405a0cbec8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ff92350e-3682-4054-a782-8c306b32827a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ff92350e-3682-4054-a782-8c306b32827a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_374d39cb-7d3f-4d2d-9d43-06e5249518eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ff92350e-3682-4054-a782-8c306b32827a" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_374d39cb-7d3f-4d2d-9d43-06e5249518eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcessionsMember_d93b2e2f-cd14-4eb1-947b-52417a755ff0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcessionsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_374d39cb-7d3f-4d2d-9d43-06e5249518eb" xlink:to="loc_us-gaap_ConcessionsMember_d93b2e2f-cd14-4eb1-947b-52417a755ff0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_c6241c28-ee32-4114-a5ae-1b0091cb2250" xlink:href="fbc-20231231.xsd#fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_374d39cb-7d3f-4d2d-9d43-06e5249518eb" xlink:to="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_c6241c28-ee32-4114-a5ae-1b0091cb2250" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_f3d234b8-ffb3-4deb-ac69-bb1104d4a8e2" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:to="loc_srt_RangeAxis_f3d234b8-ffb3-4deb-ac69-bb1104d4a8e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_fd5af075-631e-4d25-8374-394069349849" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_f3d234b8-ffb3-4deb-ac69-bb1104d4a8e2" xlink:to="loc_srt_RangeMember_fd5af075-631e-4d25-8374-394069349849" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_b3bc76d8-895d-4674-9de1-8d5c6d08b93d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_fd5af075-631e-4d25-8374-394069349849" xlink:to="loc_srt_MinimumMember_b3bc76d8-895d-4674-9de1-8d5c6d08b93d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f00cf8aa-f3cc-470e-ab28-31526fb14013" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_fd5af075-631e-4d25-8374-394069349849" xlink:to="loc_srt_MaximumMember_f00cf8aa-f3cc-470e-ab28-31526fb14013" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_6379fd0f-2b1d-45dd-8f5b-aedd3023030c" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_05b15323-ac62-429c-8e2c-f185831bca8c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_05b15323-ac62-429c-8e2c-f185831bca8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAssets_00c10939-96e4-4311-9944-aaebb2899f21" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_DepositsAssets_00c10939-96e4-4311-9944-aaebb2899f21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesForReverseRepurchaseAgreements_69927e3f-548a-4dee-9cfb-4fdf669189e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritiesForReverseRepurchaseAgreements"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_SecuritiesForReverseRepurchaseAgreements_69927e3f-548a-4dee-9cfb-4fdf669189e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsSold_99bf870a-b804-4ba2-8c44-0902f00a9616" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalFundsSold"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_FederalFundsSold_99bf870a-b804-4ba2-8c44-0902f00a9616" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_bbde30ea-01ee-443c-bee3-aeaffbaa99bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedCash"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_RestrictedCash_bbde30ea-01ee-443c-bee3-aeaffbaa99bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_30d5b917-c627-4d71-9e89-e6510226d24b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_30d5b917-c627-4d71-9e89-e6510226d24b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_f03f940c-b762-489d-837a-6ccc5fc0d080" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_f03f940c-b762-489d-837a-6ccc5fc0d080" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_dd723602-2a64-4c0b-9034-aa2cecc48f84" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_dd723602-2a64-4c0b-9034-aa2cecc48f84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Depreciation_c6d715c6-dc90-4d96-814f-7376e57255f7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Depreciation"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_Depreciation_c6d715c6-dc90-4d96-814f-7376e57255f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance_d308976f-42a3-4616-bcbb-7b46d232dea3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_BankOwnedLifeInsurance_d308976f-42a3-4616-bcbb-7b46d232dea3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_4d1c5d3b-4493-47c1-bbda-8215623be63f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_4d1c5d3b-4493-47c1-bbda-8215623be63f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeclosedAssets_2c7d9d92-026a-43f3-aaca-16b2ebdf69bc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ForeclosedAssets"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_ForeclosedAssets_2c7d9d92-026a-43f3-aaca-16b2ebdf69bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesFairValueDisclosure_b259565d-d96f-4280-b076-30ef6df08722" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteesFairValueDisclosure"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_GuaranteesFairValueDisclosure_b259565d-d96f-4280-b076-30ef6df08722" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation_264ab351-0580-4cc2-9c63-806584b75278" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation_264ab351-0580-4cc2-9c63-806584b75278" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_IntangibleAssetsAcquiredThroughForeclosure_14cf04ba-f161-4cf8-be7f-3daa21fae605" xlink:href="fbc-20231231.xsd#fbc_IntangibleAssetsAcquiredThroughForeclosure"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_fbc_IntangibleAssetsAcquiredThroughForeclosure_14cf04ba-f161-4cf8-be7f-3daa21fae605" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherForeclosedAssets_3fd4c16a-aa0e-4cd5-8435-54da1bfd08cd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherForeclosedAssets"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_OtherForeclosedAssets_3fd4c16a-aa0e-4cd5-8435-54da1bfd08cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstate_b6657f92-aac1-48db-adc3-bb2e7a8002d4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherRealEstate"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_OtherRealEstate_b6657f92-aac1-48db-adc3-bb2e7a8002d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_7063301b-f9e0-4ac7-9826-a7a1e04a78f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_bc6a3d6c-7b3f-4189-98e6-5fc42355fa8d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_7063301b-f9e0-4ac7-9826-a7a1e04a78f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract_f691fa58-c661-480d-8de0-41dd7e3bfdf7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountingPoliciesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_379131da-7fe9-4cd4-81ee-30c2bb809848" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountingPoliciesAbstract_f691fa58-c661-480d-8de0-41dd7e3bfdf7" xlink:to="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_379131da-7fe9-4cd4-81ee-30c2bb809848" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ed5e98e3-8019-4c83-8db6-9ef7810f642c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_379131da-7fe9-4cd4-81ee-30c2bb809848" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ed5e98e3-8019-4c83-8db6-9ef7810f642c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_ed5e98e3-8019-4c83-8db6-9ef7810f642c" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingMember_9a0a61d3-09dd-40bd-ba36-226115d8a3fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BuildingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_us-gaap_BuildingMember_9a0a61d3-09dd-40bd-ba36-226115d8a3fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_3f6116e8-6572-4aa9-99d4-a0ea8caec209" xlink:href="fbc-20231231.xsd#fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember_3f6116e8-6572-4aa9-99d4-a0ea8caec209" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseholdImprovementsMember_c078bcf0-3565-4b91-82b9-509f70c79cf5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseholdImprovementsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_us-gaap_LeaseholdImprovementsMember_c078bcf0-3565-4b91-82b9-509f70c79cf5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ATMMember_b379382a-f1ed-433d-835b-9cd4228781b8" xlink:href="fbc-20231231.xsd#fbc_ATMMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_fbc_ATMMember_b379382a-f1ed-433d-835b-9cd4228781b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcessionsMember_bbf1fd5d-6f13-41d8-b95d-b40fb32e7afb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConcessionsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1d3f8682-0c27-45bc-af3e-3a887ed9aeb2" xlink:to="loc_us-gaap_ConcessionsMember_bbf1fd5d-6f13-41d8-b95d-b40fb32e7afb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_7e641dd3-4c2e-4b0f-9209-5306e56f677e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_379131da-7fe9-4cd4-81ee-30c2bb809848" xlink:to="loc_srt_RangeAxis_7e641dd3-4c2e-4b0f-9209-5306e56f677e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_b2ea022b-2fb9-4af2-9ea1-10c5ae0bde73" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_7e641dd3-4c2e-4b0f-9209-5306e56f677e" xlink:to="loc_srt_RangeMember_b2ea022b-2fb9-4af2-9ea1-10c5ae0bde73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_15dcca76-1c1f-4a7b-a4cb-fe659cff00f2" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_b2ea022b-2fb9-4af2-9ea1-10c5ae0bde73" xlink:to="loc_srt_MinimumMember_15dcca76-1c1f-4a7b-a4cb-fe659cff00f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_f10ea9b6-6811-400c-aaf7-ce6b85188a2b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_b2ea022b-2fb9-4af2-9ea1-10c5ae0bde73" xlink:to="loc_srt_MaximumMember_f10ea9b6-6811-400c-aaf7-ce6b85188a2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems_7a59fa79-5b44-4d5b-b0bf-bfc25f50846f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_379131da-7fe9-4cd4-81ee-30c2bb809848" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentLineItems_7a59fa79-5b44-4d5b-b0bf-bfc25f50846f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_55c8c15d-6746-41be-aa70-e419606de06e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_7a59fa79-5b44-4d5b-b0bf-bfc25f50846f" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_55c8c15d-6746-41be-aa70-e419606de06e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_24609fb9-7726-4c66-9f77-cbdd02ff37c8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_8f8906d3-f568-43ed-beca-51d4ef822342" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_24609fb9-7726-4c66-9f77-cbdd02ff37c8" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_8f8906d3-f568-43ed-beca-51d4ef822342" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic_a0a90010-0729-4c95-bfef-cf4226a4778f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_24609fb9-7726-4c66-9f77-cbdd02ff37c8" xlink:to="loc_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic_a0a90010-0729-4c95-bfef-cf4226a4778f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_a6d230ad-2b6e-47d6-b685-845107a24dd0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_24609fb9-7726-4c66-9f77-cbdd02ff37c8" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_a6d230ad-2b6e-47d6-b685-845107a24dd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_c84c5c7b-72ef-4cb4-be95-25e4b46efd12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_24609fb9-7726-4c66-9f77-cbdd02ff37c8" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_c84c5c7b-72ef-4cb4-be95-25e4b46efd12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_619605d8-b819-43eb-a6ec-1762b5810c3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_24609fb9-7726-4c66-9f77-cbdd02ff37c8" xlink:to="loc_us-gaap_EarningsPerShareBasic_619605d8-b819-43eb-a6ec-1762b5810c3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_2f7c0ae8-90f3-4852-9acf-43639cc2b947" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_24609fb9-7726-4c66-9f77-cbdd02ff37c8" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_2f7c0ae8-90f3-4852-9acf-43639cc2b947" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_9085c571-2195-4ec3-b82c-f50e63c8a343" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_24609fb9-7726-4c66-9f77-cbdd02ff37c8" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_9085c571-2195-4ec3-b82c-f50e63c8a343" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_9e372395-5ef3-4cf9-9c1a-5352d88ff3f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_24609fb9-7726-4c66-9f77-cbdd02ff37c8" xlink:to="loc_us-gaap_EarningsPerShareDiluted_9e372395-5ef3-4cf9-9c1a-5352d88ff3f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_ac99b5a4-163a-4b83-960c-c55dbb6e1890" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_ac99b5a4-163a-4b83-960c-c55dbb6e1890" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_28078d30-837e-492a-ba04-b84ff50b67bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_28078d30-837e-492a-ba04-b84ff50b67bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_15dd9e54-9154-48af-b5df-d33779d23fe4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_28078d30-837e-492a-ba04-b84ff50b67bd" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_15dd9e54-9154-48af-b5df-d33779d23fe4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_c264b59e-dd80-4c11-be65-979920afea1f" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_15dd9e54-9154-48af-b5df-d33779d23fe4" xlink:to="loc_fbc_SignatureBridgeBankMember_c264b59e-dd80-4c11-be65-979920afea1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_bd73acde-bfe4-46da-a041-44e4ae1262a8" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_15dd9e54-9154-48af-b5df-d33779d23fe4" xlink:to="loc_fbc_FlagstarBancorpMember_bd73acde-bfe4-46da-a041-44e4ae1262a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis_c3159446-e571-4c47-bd89-b1c96f533bd0" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatementGeographicalAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:to="loc_srt_StatementGeographicalAxis_c3159446-e571-4c47-bd89-b1c96f533bd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_SegmentGeographicalDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementGeographicalAxis_c3159446-e571-4c47-bd89-b1c96f533bd0" xlink:to="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NY_19814195-e329-441a-9a4a-6816a568ca38" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_NY"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_NY_19814195-e329-441a-9a4a-6816a568ca38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA_e605c9e2-9b9a-40ba-8b6e-4799eca585db" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_CA"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_CA_e605c9e2-9b9a-40ba-8b6e-4799eca585db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NC_5dcf7ee2-393f-4b19-aa92-93efcc3dadca" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_NC"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_NC_5dcf7ee2-393f-4b19-aa92-93efcc3dadca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CT_7d6d26c7-fadd-4a25-9914-937e6953c658" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_CT"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_CT_7d6d26c7-fadd-4a25-9914-937e6953c658" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NV_52ce9dae-ce3b-453e-aaf3-30cc6f71d4cb" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_NV"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_NV_52ce9dae-ce3b-453e-aaf3-30cc6f71d4cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_IN_0e8cd61b-a1cc-4f9b-a8a6-ce7c6e755923" xlink:href="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd#stpr_IN"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_SegmentGeographicalDomain_97dfed03-c9bb-4bed-a12d-95bf05c9ead9" xlink:to="loc_stpr_IN_0e8cd61b-a1cc-4f9b-a8a6-ce7c6e755923" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01b00a7f-2a20-4574-bee8-234950000c9a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01b00a7f-2a20-4574-bee8-234950000c9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_1809240b-e323-4842-9853-63820e6aae62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_01b00a7f-2a20-4574-bee8-234950000c9a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_1809240b-e323-4842-9853-63820e6aae62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_50ddfb94-c787-45bb-a817-0b92aee79e87" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CoreDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_1809240b-e323-4842-9853-63820e6aae62" xlink:to="loc_us-gaap_CoreDepositsMember_50ddfb94-c787-45bb-a817-0b92aee79e87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_f67f2374-50c2-4dff-96a8-7ae9f195f85f" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfBranches_1ae57795-ad8a-4098-af36-c8e102a08c1a" xlink:href="fbc-20231231.xsd#fbc_NumberOfBranches"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_fbc_NumberOfBranches_1ae57795-ad8a-4098-af36-c8e102a08c1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued_d4caa632-0215-42dd-8bbc-b870b6dfe78a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued_d4caa632-0215-42dd-8bbc-b870b6dfe78a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_04b462f4-6646-47e5-a929-b2ea8e4c775f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_04b462f4-6646-47e5-a929-b2ea8e4c775f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC_cf3596f8-6f31-4937-aeed-2ecbf397e605" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC_cf3596f8-6f31-4937-aeed-2ecbf397e605" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_35854396-2d71-489b-adc2-f97b1761402c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts_35854396-2d71-489b-adc2-f97b1761402c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCharges_3861e817-94be-4d94-84f7-11d03b4c2fd8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestructuringCharges"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_RestructuringCharges_3861e817-94be-4d94-84f7-11d03b4c2fd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_caad82a2-11a1-4a72-9db3-069355d11c96" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_caad82a2-11a1-4a72-9db3-069355d11c96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfStatesInWhichOfficesAreLocated_209f94e6-b321-48af-a6bb-59cc63022066" xlink:href="fbc-20231231.xsd#fbc_NumberOfStatesInWhichOfficesAreLocated"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_7258e675-76f9-4804-b925-27bc2dade664" xlink:to="loc_fbc_NumberOfStatesInWhichOfficesAreLocated_209f94e6-b321-48af-a6bb-59cc63022066" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsNetAssetsAcquiredDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_12813a90-2c0f-42b3-9e40-51c0e30a8dee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_3972c06e-3a49-4d6c-94ba-3d44ab868582" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_12813a90-2c0f-42b3-9e40-51c0e30a8dee" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_3972c06e-3a49-4d6c-94ba-3d44ab868582" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_80637c6c-27b2-48e7-aca7-57281b6f2d19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_3972c06e-3a49-4d6c-94ba-3d44ab868582" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_80637c6c-27b2-48e7-aca7-57281b6f2d19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_69bd1593-801a-469b-8e92-188d90573782" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_80637c6c-27b2-48e7-aca7-57281b6f2d19" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_69bd1593-801a-469b-8e92-188d90573782" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_7cf344c0-351d-4168-abf0-8e0ed2dc6b2a" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_69bd1593-801a-469b-8e92-188d90573782" xlink:to="loc_fbc_SignatureBridgeBankMember_7cf344c0-351d-4168-abf0-8e0ed2dc6b2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_480d2c78-3ffc-44f4-a6c0-f8419f13613c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_3972c06e-3a49-4d6c-94ba-3d44ab868582" xlink:to="loc_srt_RestatementAxis_480d2c78-3ffc-44f4-a6c0-f8419f13613c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_d544851d-0d10-4b12-be1d-1202ed1b050b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementAxis_480d2c78-3ffc-44f4-a6c0-f8419f13613c" xlink:to="loc_srt_RestatementDomain_d544851d-0d10-4b12-be1d-1202ed1b050b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_d9fd8bcc-259b-4f1f-9481-b039dce94184" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementDomain_d544851d-0d10-4b12-be1d-1202ed1b050b" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_d9fd8bcc-259b-4f1f-9481-b039dce94184" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAdjustmentMember_b679897b-a327-4386-83da-ee7a07f761f7" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAdjustmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementDomain_d544851d-0d10-4b12-be1d-1202ed1b050b" xlink:to="loc_srt_RestatementAdjustmentMember_b679897b-a327-4386-83da-ee7a07f761f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_3972c06e-3a49-4d6c-94ba-3d44ab868582" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_e469fcf9-2755-4c97-8b9b-6bea9a80fa43" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_e469fcf9-2755-4c97-8b9b-6bea9a80fa43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans_d861390e-0d90-420a-870b-06b109b34f73" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans_d861390e-0d90-420a-870b-06b109b34f73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_4933eeee-f584-419e-97ba-37443ba839b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_4933eeee-f584-419e-97ba-37443ba839b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit_17ab6c9b-5fe0-489f-86c7-aba07810a05e" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit_17ab6c9b-5fe0-489f-86c7-aba07810a05e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities_7cf2979b-bdc9-4e5b-9a07-98376c244ccc" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities_7cf2979b-bdc9-4e5b-9a07-98376c244ccc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument_ac738310-e9ec-4941-9795-e18ab13c7adc" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract_6820755e-533e-4e85-97e3-38c1d94fc620" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument_ac738310-e9ec-4941-9795-e18ab13c7adc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability_2580e9e4-7d30-436f-8cc7-e345c1447e9f" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability_2580e9e4-7d30-436f-8cc7-e345c1447e9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_34eff66e-3184-474e-9be3-de22d3b7116d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_34eff66e-3184-474e-9be3-de22d3b7116d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes_0692372e-defd-408f-a6dc-b9cac3bc9d9b" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes_0692372e-defd-408f-a6dc-b9cac3bc9d9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability_5b349ff9-f8af-4b18-877e-bdc4b8e43f96" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_e803e03b-4da5-480c-9c10-f80b98144a51" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability_5b349ff9-f8af-4b18-877e-bdc4b8e43f96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsPreliminaryAllocationDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_b0e92d9c-721c-40bf-9cef-4791c953084d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_b0e92d9c-721c-40bf-9cef-4791c953084d" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_5a51819f-ddf6-444f-b9a3-44d3153589ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_5a51819f-ddf6-444f-b9a3-44d3153589ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_124be727-f82f-4f66-a2d9-1aa8720e396b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_5a51819f-ddf6-444f-b9a3-44d3153589ca" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_124be727-f82f-4f66-a2d9-1aa8720e396b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_b453ba08-7ef0-47d3-b1c8-5e4448e691ab" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_124be727-f82f-4f66-a2d9-1aa8720e396b" xlink:to="loc_fbc_SignatureBridgeBankMember_b453ba08-7ef0-47d3-b1c8-5e4448e691ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_8993288a-b203-470e-a415-c1e156088fad" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_124be727-f82f-4f66-a2d9-1aa8720e396b" xlink:to="loc_fbc_FlagstarBancorpMember_8993288a-b203-470e-a415-c1e156088fad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_51af0c52-f81f-4561-85f6-1b015f90940c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_51af0c52-f81f-4561-85f6-1b015f90940c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_51af0c52-f81f-4561-85f6-1b015f90940c" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_5eb6df3d-74a5-4c09-85cd-c8e4b71940b8" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_5eb6df3d-74a5-4c09-85cd-c8e4b71940b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialRealEstateMember_97245d3b-2a19-4104-8e0f-caee53ba7fad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialRealEstateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:to="loc_us-gaap_CommercialRealEstateMember_97245d3b-2a19-4104-8e0f-caee53ba7fad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_9cb1b0d6-e4fc-404a-ac02-a52100c4723b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_9cb1b0d6-e4fc-404a-ac02-a52100c4723b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_75372415-afdc-4ded-babc-d09943cd786d" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2e880b44-c8a3-4b10-a455-8ea89e4b0205" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_75372415-afdc-4ded-babc-d09943cd786d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_b0e95bf3-dd36-476e-9187-0abd4eada0ed" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:to="loc_srt_RestatementAxis_b0e95bf3-dd36-476e-9187-0abd4eada0ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_4754fa7c-9bf0-448e-8aca-7f9c553b62f9" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementAxis_b0e95bf3-dd36-476e-9187-0abd4eada0ed" xlink:to="loc_srt_RestatementDomain_4754fa7c-9bf0-448e-8aca-7f9c553b62f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_1668b05d-5e35-4685-8f0c-2538eb1f853a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementDomain_4754fa7c-9bf0-448e-8aca-7f9c553b62f9" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_1668b05d-5e35-4685-8f0c-2538eb1f853a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAdjustmentMember_0ba47f34-9fd5-47bf-b3a6-ec250b18ccfa" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAdjustmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementDomain_4754fa7c-9bf0-448e-8aca-7f9c553b62f9" xlink:to="loc_srt_RestatementAdjustmentMember_0ba47f34-9fd5-47bf-b3a6-ec250b18ccfa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_c14bcffa-a39f-4a9a-99c4-9c332d48c8f4" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_496ec9e0-8087-44ae-8247-3c8e3cd2768d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_496ec9e0-8087-44ae-8247-3c8e3cd2768d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_d4a813b3-4aa6-4cf7-b7b6-cc8c2aef0ffe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_d4a813b3-4aa6-4cf7-b7b6-cc8c2aef0ffe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities_e4d76f4b-e663-468f-8da5-f193fb4af4b1" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities_e4d76f4b-e663-468f-8da5-f193fb4af4b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale_ead3471f-930d-4a33-89cf-df4ef9e34c45" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale_ead3471f-930d-4a33-89cf-df4ef9e34c45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment_c0b74993-d5ef-4fa8-a0cb-994a43104159" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment_c0b74993-d5ef-4fa8-a0cb-994a43104159" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets_04397b83-f0d6-450d-927e-84f88279d5f8" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets_04397b83-f0d6-450d-927e-84f88279d5f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights_4aeff5ec-951a-402d-9c9a-12479b0a25cf" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights_4aeff5ec-951a-402d-9c9a-12479b0a25cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_de68b85a-ca6e-477d-9c23-ae3b1852fea9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther_de68b85a-ca6e-477d-9c23-ae3b1852fea9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_c96696b6-1fe0-47e6-bea5-006d9a2b1352" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_824b5a97-fc7d-40f4-8c8a-0c636d966b1a" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_c96696b6-1fe0-47e6-bea5-006d9a2b1352" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits_ffd9a06d-1e9e-4182-a2e4-40bdb1c5bb2f" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:to="loc_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits_ffd9a06d-1e9e-4182-a2e4-40bdb1c5bb2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt_7eefee9e-b64f-4677-8a97-e57773c142d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt_7eefee9e-b64f-4677-8a97-e57773c142d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_3e934847-4ce3-4874-8f0b-ca378be30101" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther_3e934847-4ce3-4874-8f0b-ca378be30101" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_5b82a6c8-5a37-4c09-9b8c-e605b384af09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f9f638a9-d9f6-48fb-95e4-796fc10b6a7f" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_5b82a6c8-5a37-4c09-9b8c-e605b384af09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_3e39d2fc-5252-4724-8252-69004d650c6e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_3e39d2fc-5252-4724-8252-69004d650c6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_41de6e86-87e3-4ef7-893e-4e172be0cb62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_41de6e86-87e3-4ef7-893e-4e172be0cb62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PriorPeriodAdjustmentAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_1b745a8f-7ddb-4059-a472-4ca5b4cb6f79" xlink:to="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_0e8c112f-8f66-4a88-8c9b-1c0de656a2ad" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_0e8c112f-8f66-4a88-8c9b-1c0de656a2ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets_31411784-d6bf-478f-a092-ca5971305092" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets_31411784-d6bf-478f-a092-ca5971305092" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_fc59774c-7517-4068-9602-51b30de82b8e" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets_fc59774c-7517-4068-9602-51b30de82b8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_6c45357c-7806-49e3-b2b6-02d92aae65bf" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_6c45357c-7806-49e3-b2b6-02d92aae65bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_e3f6e63c-8d50-4a75-8b74-0f3449b410b9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_e3f6e63c-8d50-4a75-8b74-0f3449b410b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_7a25d325-4ef4-4cfe-8005-2297cb22ef19" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities_7a25d325-4ef4-4cfe-8005-2297cb22ef19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_cbb4119f-e330-4fe0-b313-a0b1f42b3c7d" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_cbb4119f-e330-4fe0-b313-a0b1f42b3c7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_3f1d2457-ea39-47a0-bcc6-beff9329f772" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_3f1d2457-ea39-47a0-bcc6-beff9329f772" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain_67fcd6e6-fd3b-412d-a99e-58f2a4a05a01" xlink:href="fbc-20231231.xsd#fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PriorPeriodAdjustmentAbstract_cda6c2ec-47b5-45f5-9858-01b03324c239" xlink:to="loc_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain_67fcd6e6-fd3b-412d-a99e-58f2a4a05a01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsPCDLoansAcquiredDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_c6154758-7fab-416f-beb2-3bde5ae58221" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_ad625d69-b119-42e1-8aba-9964ba548df4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_c6154758-7fab-416f-beb2-3bde5ae58221" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_ad625d69-b119-42e1-8aba-9964ba548df4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_b4384c6c-9c5d-42a2-92cb-7cdf83e6b75a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_ad625d69-b119-42e1-8aba-9964ba548df4" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_b4384c6c-9c5d-42a2-92cb-7cdf83e6b75a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_55b33b16-23ac-4dbf-8f2d-bf8f93887a8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_b4384c6c-9c5d-42a2-92cb-7cdf83e6b75a" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_55b33b16-23ac-4dbf-8f2d-bf8f93887a8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_17ad1a1e-2881-49bd-92b5-e3e1878fbe52" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_55b33b16-23ac-4dbf-8f2d-bf8f93887a8d" xlink:to="loc_fbc_SignatureBridgeBankMember_17ad1a1e-2881-49bd-92b5-e3e1878fbe52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_fbbf0319-71ae-4bf7-a0ed-3742f178fc26" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_55b33b16-23ac-4dbf-8f2d-bf8f93887a8d" xlink:to="loc_fbc_FlagstarBancorpMember_fbbf0319-71ae-4bf7-a0ed-3742f178fc26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_ad625d69-b119-42e1-8aba-9964ba548df4" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_6276c2bd-e9bf-4114-96b3-0abe7622d1a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_6276c2bd-e9bf-4114-96b3-0abe7622d1a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_ae1bbf18-0bd8-48b5-8824-668f1fe5970b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_ae1bbf18-0bd8-48b5-8824-668f1fe5970b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_4b48d71c-47d0-421f-a0f9-0054bae0061c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_4b48d71c-47d0-421f-a0f9-0054bae0061c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_69c5d479-dc33-40b2-9035-81239c42c913" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_4b08bdd5-1d29-4b9b-994d-cbbc8f0fe7a1" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_69c5d479-dc33-40b2-9035-81239c42c913" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BusinessCombinationsProFormaInformationDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_1255cba2-5eb3-4379-90d8-64f2cf3b7bfa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationAndAssetAcquisitionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_4949335b-5420-412c-8607-31be30d6f907" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract_1255cba2-5eb3-4379-90d8-64f2cf3b7bfa" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_4949335b-5420-412c-8607-31be30d6f907" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_9046dc18-197c-4d29-b0b5-fb8b5f17ae8a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_4949335b-5420-412c-8607-31be30d6f907" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_9046dc18-197c-4d29-b0b5-fb8b5f17ae8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_89f5d40b-417a-4216-b9b8-811513d3ffcd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_9046dc18-197c-4d29-b0b5-fb8b5f17ae8a" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_89f5d40b-417a-4216-b9b8-811513d3ffcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_0c6bf382-9834-4a10-b502-24d36da176b0" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_89f5d40b-417a-4216-b9b8-811513d3ffcd" xlink:to="loc_fbc_FlagstarBancorpMember_0c6bf382-9834-4a10-b502-24d36da176b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_4949335b-5420-412c-8607-31be30d6f907" xlink:to="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessAcquisitionsProFormaNetIncomeInterest_8d74dd17-30a8-4c7c-a803-01d7e51c7aa3" xlink:href="fbc-20231231.xsd#fbc_BusinessAcquisitionsProFormaNetIncomeInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:to="loc_fbc_BusinessAcquisitionsProFormaNetIncomeInterest_8d74dd17-30a8-4c7c-a803-01d7e51c7aa3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessAcquisitionsProFormaNonInterestIncome_8645d4fc-a29f-438e-ac6e-da5e0514174f" xlink:href="fbc-20231231.xsd#fbc_BusinessAcquisitionsProFormaNonInterestIncome"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:to="loc_fbc_BusinessAcquisitionsProFormaNonInterestIncome_8645d4fc-a29f-438e-ac6e-da5e0514174f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss_515ae426-58ff-439a-bf8b-501822b1acc8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:to="loc_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss_515ae426-58ff-439a-bf8b-501822b1acc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders_50d7ed2e-1e0b-4b40-b45c-79423b2b2896" xlink:href="fbc-20231231.xsd#fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_98727721-fd38-45ff-9a8c-0045d1d98b27" xlink:to="loc_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders_50d7ed2e-1e0b-4b40-b45c-79423b2b2896" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#AccumulatedOtherComprehensiveIncomeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract_40655124-c341-4f24-9edb-eda1e215ed65" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_786b5e6e-93b2-471d-a788-6e9132cecacf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityAbstract_40655124-c341-4f24-9edb-eda1e215ed65" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_786b5e6e-93b2-471d-a788-6e9132cecacf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b68b0082-e960-4b17-9436-b4d6339a6029" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_786b5e6e-93b2-471d-a788-6e9132cecacf" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b68b0082-e960-4b17-9436-b4d6339a6029" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_e8e24008-1e8e-440d-a60a-a0fd31cd0d1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_b68b0082-e960-4b17-9436-b4d6339a6029" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_e8e24008-1e8e-440d-a60a-a0fd31cd0d1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_175c3b6e-cea5-4e95-8038-8d8fab64e025" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_e8e24008-1e8e-440d-a60a-a0fd31cd0d1c" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_175c3b6e-cea5-4e95-8038-8d8fab64e025" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_9384c830-737f-482e-a56f-159a3f46cbb2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_786b5e6e-93b2-471d-a788-6e9132cecacf" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_9384c830-737f-482e-a56f-159a3f46cbb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_9384c830-737f-482e-a56f-159a3f46cbb2" xlink:to="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_4e5ecdd2-5e7f-4f18-a134-2caeaf2c70e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_4e5ecdd2-5e7f-4f18-a134-2caeaf2c70e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_ce2a826c-c188-4680-a124-20d7a7110e95" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_ce2a826c-c188-4680-a124-20d7a7110e95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_b8de28ae-10b0-440d-82e6-5479f10b65fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_7ba7eb20-e34f-4d25-9624-1484be2179fd" xlink:to="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_b8de28ae-10b0-440d-82e6-5479f10b65fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember_c4f41918-3218-4b0e-9c46-cda82d6efa78" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_b8de28ae-10b0-440d-82e6-5479f10b65fc" xlink:to="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember_c4f41918-3218-4b0e-9c46-cda82d6efa78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember_7a287a78-2f4f-4353-aab7-014a4b27eba5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember_b8de28ae-10b0-440d-82e6-5479f10b65fc" xlink:to="loc_us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember_7a287a78-2f4f-4353-aab7-014a4b27eba5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_786b5e6e-93b2-471d-a788-6e9132cecacf" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_5d260391-b2e5-426b-bce1-61d56337a568" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtAndEquitySecuritiesGainLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesGainLoss_5d260391-b2e5-426b-bce1-61d56337a568" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_6a0c2e2b-2634-44f0-bfbb-eacb3fa8752e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_6a0c2e2b-2634-44f0-bfbb-eacb3fa8752e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_7bf4f364-faec-4084-bbef-cb34732bbc12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_7bf4f364-faec-4084-bbef-cb34732bbc12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_e5582d41-4f32-4dca-bba9-e86f5e150bbd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_NetIncomeLoss_e5582d41-4f32-4dca-bba9-e86f5e150bbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_74c06b00-1c2d-4b8b-858c-f6dd52e32d13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e005999f-6d8e-4bcf-a54a-f909a0916d60" xlink:to="loc_us-gaap_InterestExpense_74c06b00-1c2d-4b8b-858c-f6dd52e32d13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_7155dde4-fc5e-45a4-81ad-6ca38f1ac4bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2c99f084-f40e-4663-a6a3-32e70e379c73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_7155dde4-fc5e-45a4-81ad-6ca38f1ac4bd" xlink:to="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2c99f084-f40e-4663-a6a3-32e70e379c73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_0c050232-22ee-4a13-930f-bf8b384caaba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2c99f084-f40e-4663-a6a3-32e70e379c73" xlink:to="loc_us-gaap_FinancialInstrumentAxis_0c050232-22ee-4a13-930f-bf8b384caaba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3e96a48b-c531-49fa-941b-59725a389b19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_0c050232-22ee-4a13-930f-bf8b384caaba" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3e96a48b-c531-49fa-941b-59725a389b19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_5f7142b3-8be0-40c3-bb5b-8c892d2374f7" xlink:href="fbc-20231231.xsd#fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3e96a48b-c531-49fa-941b-59725a389b19" xlink:to="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_5f7142b3-8be0-40c3-bb5b-8c892d2374f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_5f7142b3-8be0-40c3-bb5b-8c892d2374f7" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_855c6247-0d49-4162-9385-3f8d1bd3f1e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_855c6247-0d49-4162-9385-3f8d1bd3f1e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_dabbe9ef-e02a-42dc-8a59-ee4742247915" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_dabbe9ef-e02a-42dc-8a59-ee4742247915" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_8b667cbe-7ae8-42e8-bc08-d3a66956a807" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_9289ab32-71bb-4a9d-b0b2-d5e011cfc195" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_8b667cbe-7ae8-42e8-bc08-d3a66956a807" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_5f7142b3-8be0-40c3-bb5b-8c892d2374f7" xlink:to="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_65a1db62-0d24-48ad-aa8d-474611e762fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_65a1db62-0d24-48ad-aa8d-474611e762fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_5398af0f-9af8-4723-8f1c-67bd5f274bdb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_5398af0f-9af8-4723-8f1c-67bd5f274bdb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_5d2cbe07-d6a9-46a7-9a0f-b7ece365cb35" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_5d2cbe07-d6a9-46a7-9a0f-b7ece365cb35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_2d195121-ccc8-4f18-aecc-9fdb793e6d48" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_MunicipalBondsMember_2d195121-ccc8-4f18-aecc-9fdb793e6d48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_ae68b8e3-1944-484e-9435-a8ed36509ccd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_ae68b8e3-1944-484e-9435-a8ed36509ccd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForeignNotesMember_15077448-f5b4-48a8-b7df-51c0b1f77d91" xlink:href="fbc-20231231.xsd#fbc_ForeignNotesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_fbc_ForeignNotesMember_15077448-f5b4-48a8-b7df-51c0b1f77d91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNoteSecuritiesMember_bbcde30b-6c34-4cb2-8a74-b6b73ea8f119" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateNoteSecuritiesMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_e314e5af-60ff-4068-a8d9-a548e15bb890" xlink:to="loc_us-gaap_CorporateNoteSecuritiesMember_bbcde30b-6c34-4cb2-8a74-b6b73ea8f119" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_5c661635-e512-468c-a892-7e0e498a6485" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3e96a48b-c531-49fa-941b-59725a389b19" xlink:to="loc_us-gaap_EquitySecuritiesMember_5c661635-e512-468c-a892-7e0e498a6485" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_8783d4d4-7091-4b45-8ea6-7d5ac12ede29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MutualFundMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquitySecuritiesMember_5c661635-e512-468c-a892-7e0e498a6485" xlink:to="loc_us-gaap_MutualFundMember_8783d4d4-7091-4b45-8ea6-7d5ac12ede29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable_2c99f084-f40e-4663-a6a3-32e70e379c73" xlink:to="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_623164ec-2eed-478c-95f5-85cc4544bf10" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_623164ec-2eed-478c-95f5-85cc4544bf10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_eb95e5af-7610-46e3-92b1-65e1a7a0a589" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_eb95e5af-7610-46e3-92b1-65e1a7a0a589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_6dea021f-c2ff-46a9-88f4-d11b68033b9e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_6dea021f-c2ff-46a9-88f4-d11b68033b9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_eeee4d7e-5fa3-4bf0-9d43-35f4333db1ad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_4bf39f62-f54a-42e8-b49e-34b42acd5302" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_eeee4d7e-5fa3-4bf0-9d43-35f4333db1ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFVNIAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:to="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCost_2e36723a-8ad3-48b5-b789-815d9c4075c8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCost_2e36723a-8ad3-48b5-b789-815d9c4075c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquitySecuritiesUnrealizedLoss_267878a4-1610-40a2-b66e-83cf49768194" xlink:href="fbc-20231231.xsd#fbc_EquitySecuritiesUnrealizedLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:to="loc_fbc_EquitySecuritiesUnrealizedLoss_267878a4-1610-40a2-b66e-83cf49768194" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_dfa11d8a-20c4-4551-9cdf-1e9736920cba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquitySecuritiesFVNIAbstract_84a78176-3520-495e-878f-528289fee2d5" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_dfa11d8a-20c4-4551-9cdf-1e9736920cba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecuritiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:to="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_020bbba9-5e62-493c-b898-9a3a62754630" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:to="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities_020bbba9-5e62-493c-b898-9a3a62754630" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MarketableSecuritiesGrossUnrealizedGain_9844aaaa-7674-4e1f-877d-ef1990b33589" xlink:href="fbc-20231231.xsd#fbc_MarketableSecuritiesGrossUnrealizedGain"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:to="loc_fbc_MarketableSecuritiesGrossUnrealizedGain_9844aaaa-7674-4e1f-877d-ef1990b33589" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MarketableSecuritiesGrossUnrealizedLoss_4008fd64-bc88-44de-845f-4e29941f4344" xlink:href="fbc-20231231.xsd#fbc_MarketableSecuritiesGrossUnrealizedLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:to="loc_fbc_MarketableSecuritiesGrossUnrealizedLoss_4008fd64-bc88-44de-845f-4e29941f4344" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_06a53c20-af8d-4cdb-a927-fea334ede70b" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MarketableSecuritiesAbstract_33252e03-edf8-416e-8e73-20c5317e3a57" xlink:to="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_06a53c20-af8d-4cdb-a927-fea334ede70b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_2038bf9c-b148-42ad-8412-953e00a24bee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems_81bbee3d-2a25-4adf-a7b3-c52875045792" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_2038bf9c-b148-42ad-8412-953e00a24bee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_144fcee4-1edf-43bd-be23-a9933a0b1312" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_2038bf9c-b148-42ad-8412-953e00a24bee" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_144fcee4-1edf-43bd-be23-a9933a0b1312" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_881f921b-53b5-4fb1-a954-cfba2dea42aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfInvestmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_881f921b-53b5-4fb1-a954-cfba2dea42aa" xlink:to="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_1a358295-47e9-4e3a-b890-88faa4449172" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:to="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_1a358295-47e9-4e3a-b890-88faa4449172" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_24046935-c2e8-4d24-8096-01f9798a2f12" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis_1a358295-47e9-4e3a-b890-88faa4449172" xlink:to="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_24046935-c2e8-4d24-8096-01f9798a2f12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankOfNewYorkMember_a068a743-b8ef-49e4-860b-82ec12fcfe3f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankOfNewYorkMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_24046935-c2e8-4d24-8096-01f9798a2f12" xlink:to="loc_srt_FederalHomeLoanBankOfNewYorkMember_a068a743-b8ef-49e4-860b-82ec12fcfe3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalHomeLoanBankOfIndianapolisMember_ac3042ba-f959-4e47-a0d6-623a17ab0844" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalHomeLoanBankOfIndianapolisMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain_24046935-c2e8-4d24-8096-01f9798a2f12" xlink:to="loc_srt_FederalHomeLoanBankOfIndianapolisMember_ac3042ba-f959-4e47-a0d6-623a17ab0844" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_0d9b158f-1d11-4b93-b6d8-0c29a4255295" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:to="loc_us-gaap_InvestmentTypeAxis_0d9b158f-1d11-4b93-b6d8-0c29a4255295" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_0d9b158f-1d11-4b93-b6d8-0c29a4255295" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedDebtObligationsMember_71338ae7-4a22-4502-97d6-61f6c8bde574" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedDebtObligationsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_CollateralizedDebtObligationsMember_71338ae7-4a22-4502-97d6-61f6c8bde574" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNoteSecuritiesMember_1361030e-7a7c-43af-a1c9-4a01a8b107a0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateNoteSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_CorporateNoteSecuritiesMember_1361030e-7a7c-43af-a1c9-4a01a8b107a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_cda73f80-ee04-4438-a6b9-6d2e788b1d1d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_cda73f80-ee04-4438-a6b9-6d2e788b1d1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_f738d7fe-03a4-4227-9fe3-bc47f40269df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_f738d7fe-03a4-4227-9fe3-bc47f40269df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_2d555b9f-4362-416a-b781-dde5424c253b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_2d555b9f-4362-416a-b781-dde5424c253b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_370ba9f7-cedd-4d77-ab94-e64b5e3d546b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_370ba9f7-cedd-4d77-ab94-e64b5e3d546b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_6cb7c366-9cca-4e5d-913f-9ca3fd44c37e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MutualFundMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_MutualFundMember_6cb7c366-9cca-4e5d-913f-9ca3fd44c37e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_84d310f9-ee52-4187-9110-76ef89e1bedd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_us-gaap_MunicipalBondsMember_84d310f9-ee52-4187-9110-76ef89e1bedd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForeignNotesMember_53a76419-9b0a-4e4c-b54f-c89d7bc114cc" xlink:href="fbc-20231231.xsd#fbc_ForeignNotesMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_85dffed0-0a96-42f0-a047-68eec12f78b4" xlink:to="loc_fbc_ForeignNotesMember_53a76419-9b0a-4e4c-b54f-c89d7bc114cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_7b8dd3d1-9881-4d7d-a776-53bd7e1f9d48" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CounterpartyNameAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:to="loc_srt_CounterpartyNameAxis_7b8dd3d1-9881-4d7d-a776-53bd7e1f9d48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_e8915ac4-c775-49d4-a37b-15021b7b5aa4" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CounterpartyNameAxis_7b8dd3d1-9881-4d7d-a776-53bd7e1f9d48" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_e8915ac4-c775-49d4-a37b-15021b7b5aa4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBankMember_59f97e65-7e4a-4fc0-a891-21a9a486896d" xlink:href="fbc-20231231.xsd#fbc_SignatureBankMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_e8915ac4-c775-49d4-a37b-15021b7b5aa4" xlink:to="loc_fbc_SignatureBankMember_59f97e65-7e4a-4fc0-a891-21a9a486896d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_a5b69b44-d3c9-462d-916a-540ab2329987" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:to="loc_us-gaap_FinancialInstrumentAxis_a5b69b44-d3c9-462d-916a-540ab2329987" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7e689708-170d-4ca1-8381-42a904e68510" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_a5b69b44-d3c9-462d-916a-540ab2329987" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7e689708-170d-4ca1-8381-42a904e68510" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_7f9307de-40cb-40ac-bc75-3d253ac64655" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7e689708-170d-4ca1-8381-42a904e68510" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_7f9307de-40cb-40ac-bc75-3d253ac64655" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfInvestmentsLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsTable_b3336ee3-d66f-437e-8493-441f2d8dc82c" xlink:to="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStock_d2b12637-1035-4f26-b0eb-70a2a7a153eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_FederalHomeLoanBankStock_d2b12637-1035-4f26-b0eb-70a2a7a153eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalReserveBankStock_603b8c8f-b39e-433b-bf5a-11253f8f9f75" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalReserveBankStock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_FederalReserveBankStock_603b8c8f-b39e-433b-bf5a-11253f8f9f75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedLoss_7e23b079-4759-4e76-a5fb-a608c19587fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_EquitySecuritiesFvNiUnrealizedLoss_7e23b079-4759-4e76-a5fb-a608c19587fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_aef1a9bd-95f7-4bbd-8192-ec3282a9ae42" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_aef1a9bd-95f7-4bbd-8192-ec3282a9ae42" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths_a841062b-aa61-4471-920b-b946c068d705" xlink:href="fbc-20231231.xsd#fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths_a841062b-aa61-4471-920b-b946c068d705" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d04d882c-7edc-4049-88b0-8e1283ddf32f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d04d882c-7edc-4049-88b0-8e1283ddf32f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_0bb7efcb-c8f5-42f2-8be1-5186688075c3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfInvestmentsLineItems_1ecd3cac-7ca4-4993-ac1c-822620b5a773" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_0bb7efcb-c8f5-42f2-8be1-5186688075c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesRealizedGainLossDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesRealizedGainLossDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesRealizedGainLossDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_0021bc31-2872-4a84-99cb-b0bf8f869100" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_46d7f55f-c52d-4977-8981-68659c459672" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_0021bc31-2872-4a84-99cb-b0bf8f869100" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_46d7f55f-c52d-4977-8981-68659c459672" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_973c6228-ee27-4def-8c42-2d5d70504a47" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_0021bc31-2872-4a84-99cb-b0bf8f869100" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_973c6228-ee27-4def-8c42-2d5d70504a47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_adfc1bb9-949e-4337-a787-511ed663b0e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_0021bc31-2872-4a84-99cb-b0bf8f869100" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_adfc1bb9-949e-4337-a787-511ed663b0e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_fe8a3d9e-6bee-4ca0-bbde-f5214b1ce3c2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_99379079-bf83-41ff-bf0a-bd1de65b1206" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_fe8a3d9e-6bee-4ca0-bbde-f5214b1ce3c2" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_99379079-bf83-41ff-bf0a-bd1de65b1206" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_7575d58f-e3ab-46d9-a14b-f85e40042f41" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_99379079-bf83-41ff-bf0a-bd1de65b1206" xlink:to="loc_us-gaap_FinancialInstrumentAxis_7575d58f-e3ab-46d9-a14b-f85e40042f41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_7575d58f-e3ab-46d9-a14b-f85e40042f41" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_8e872645-7029-4680-b208-e53c46f15c6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_8e872645-7029-4680-b208-e53c46f15c6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_8e35f04b-68a7-4a84-8d88-531b4d7ab74e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_8e35f04b-68a7-4a84-8d88-531b4d7ab74e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_06c7d5a2-86b6-4662-ad37-391ecb5ce068" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_06c7d5a2-86b6-4662-ad37-391ecb5ce068" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDebtSecuritiesMember_c9521ab6-eaaf-4f7e-9f71-6a36b22bb96a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherDebtSecuritiesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_05bf1cd0-6c2a-4ba5-b24e-90576335688c" xlink:to="loc_us-gaap_OtherDebtSecuritiesMember_c9521ab6-eaaf-4f7e-9f71-6a36b22bb96a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_99379079-bf83-41ff-bf0a-bd1de65b1206" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_44a315dd-8761-4ddc-83b6-5168d907c58c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_44a315dd-8761-4ddc-83b6-5168d907c58c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_84c64fa2-7c5a-4135-94bb-d0439c1ef32b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_84c64fa2-7c5a-4135-94bb-d0439c1ef32b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_0efdee53-a6f7-4cb4-8de8-01f4e85c0e79" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_0efdee53-a6f7-4cb4-8de8-01f4e85c0e79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_c6631263-e492-49f7-a2aa-0caffb34bb9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_c6631263-e492-49f7-a2aa-0caffb34bb9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_9b290031-8f1a-416a-8f4f-75f2fe36ba71" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_a66bcfa0-ebeb-4422-b6f9-2265d890a8ef" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_9b290031-8f1a-416a-8f4f-75f2fe36ba71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_75aa2b84-f708-4b4b-8c28-43c0679a8957" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_b8571b02-caa8-4618-b8c2-11a07f2a7d52" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_75aa2b84-f708-4b4b-8c28-43c0679a8957" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_b8571b02-caa8-4618-b8c2-11a07f2a7d52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_ac7070b9-8ec5-4bbf-9d89-ed1ee8305e1a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_b8571b02-caa8-4618-b8c2-11a07f2a7d52" xlink:to="loc_us-gaap_FinancialInstrumentAxis_ac7070b9-8ec5-4bbf-9d89-ed1ee8305e1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1e44fe2e-c9c8-495d-9102-f440a781f34b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ac7070b9-8ec5-4bbf-9d89-ed1ee8305e1a" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1e44fe2e-c9c8-495d-9102-f440a781f34b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_0588b343-43e6-4c9e-aae4-e5c56183f844" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1e44fe2e-c9c8-495d-9102-f440a781f34b" xlink:to="loc_us-gaap_DebtSecuritiesMember_0588b343-43e6-4c9e-aae4-e5c56183f844" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_a8ad05c2-4f6b-43ad-8f56-f42853dd93b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1e44fe2e-c9c8-495d-9102-f440a781f34b" xlink:to="loc_us-gaap_EquitySecuritiesMember_a8ad05c2-4f6b-43ad-8f56-f42853dd93b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_6ef87b7c-fc1d-40e9-9da8-020a41f3af9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_b8571b02-caa8-4618-b8c2-11a07f2a7d52" xlink:to="loc_us-gaap_InvestmentTypeAxis_6ef87b7c-fc1d-40e9-9da8-020a41f3af9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_6ef87b7c-fc1d-40e9-9da8-020a41f3af9c" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_9fa316f5-7e2a-4281-9dec-05e28aee0e05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_9fa316f5-7e2a-4281-9dec-05e28aee0e05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasuryAndGovernmentMember_5b84f044-78ba-4ebc-a7e0-55d0ab05b77e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasuryAndGovernmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_USTreasuryAndGovernmentMember_5b84f044-78ba-4ebc-a7e0-55d0ab05b77e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_0a43b8e3-9bca-44b7-9e77-5f6a52ed1c0d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_0a43b8e3-9bca-44b7-9e77-5f6a52ed1c0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PrivateLabelCMOsMember_03d26a6d-8113-479e-b530-af28dcddcb79" xlink:href="fbc-20231231.xsd#fbc_PrivateLabelCMOsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_fbc_PrivateLabelCMOsMember_03d26a6d-8113-479e-b530-af28dcddcb79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_0d55d1ad-998d-411e-9b8a-0237cabc131c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_0d55d1ad-998d-411e-9b8a-0237cabc131c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_380a556f-90e4-4e99-8a26-b764a30561c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_380a556f-90e4-4e99-8a26-b764a30561c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_8deeef2a-b9eb-4bd3-934f-8239c2c35790" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_MunicipalBondsMember_8deeef2a-b9eb-4bd3-934f-8239c2c35790" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_35836546-c22a-4371-8eb8-3ebad230ae45" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_35836546-c22a-4371-8eb8-3ebad230ae45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForeignNotesMember_58c4fa54-3e2b-4765-809f-c3550c9b055b" xlink:href="fbc-20231231.xsd#fbc_ForeignNotesMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_fbc_ForeignNotesMember_58c4fa54-3e2b-4765-809f-c3550c9b055b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNoteSecuritiesMember_8ed20cb2-9737-4ff7-bef6-1d8f9a357d49" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateNoteSecuritiesMember"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_969073ca-e459-4a16-82e6-03f115e6421c" xlink:to="loc_us-gaap_CorporateNoteSecuritiesMember_8ed20cb2-9737-4ff7-bef6-1d8f9a357d49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_b8571b02-caa8-4618-b8c2-11a07f2a7d52" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_0d3f7670-34ea-4df5-b2b3-050b4f268529" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_0d3f7670-34ea-4df5-b2b3-050b4f268529" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_f317ee18-5bd8-40e2-9e9c-cb52c6da3683" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_f317ee18-5bd8-40e2-9e9c-cb52c6da3683" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_9fb0e5ab-a1db-4ad1-b205-1666601db05e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_9fb0e5ab-a1db-4ad1-b205-1666601db05e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_b8e454d6-7bd3-4c0c-8066-7d16931ea95f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_b8e454d6-7bd3-4c0c-8066-7d16931ea95f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_97d2ad79-17eb-44a8-9880-ff0ec6205aba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_97d2ad79-17eb-44a8-9880-ff0ec6205aba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_d6938f8a-da96-407a-8e74-6a90d097b1cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_1fd4073c-d214-4c8f-b589-1da60483da90" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_d6938f8a-da96-407a-8e74-6a90d097b1cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesComponentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesComponentsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesComponentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_dae6469f-9d3c-4604-8f70-7e6a962a7ed0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_efd6259b-e28f-4df6-bdfb-124fb473aa9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_dae6469f-9d3c-4604-8f70-7e6a962a7ed0" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_efd6259b-e28f-4df6-bdfb-124fb473aa9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_8cd492cb-cc40-4680-b017-dfcc940f8898" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_efd6259b-e28f-4df6-bdfb-124fb473aa9c" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_8cd492cb-cc40-4680-b017-dfcc940f8898" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_94710d9e-57f7-4010-bde5-61f457326bb0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_8cd492cb-cc40-4680-b017-dfcc940f8898" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_94710d9e-57f7-4010-bde5-61f457326bb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_80ae5971-292c-4636-b546-81f5b8b2560b" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_94710d9e-57f7-4010-bde5-61f457326bb0" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_80ae5971-292c-4636-b546-81f5b8b2560b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_72118fa6-9c1a-4221-b6d5-f754c1d4259e" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_94710d9e-57f7-4010-bde5-61f457326bb0" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_72118fa6-9c1a-4221-b6d5-f754c1d4259e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6176841d-d151-422a-9f4c-d35fc7c68168" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_efd6259b-e28f-4df6-bdfb-124fb473aa9c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6176841d-d151-422a-9f4c-d35fc7c68168" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_6176841d-d151-422a-9f4c-d35fc7c68168" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_6e36083c-1677-4f2b-9c51-ff7348f2a924" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_MultiFamilyLoanMember_6e36083c-1677-4f2b-9c51-ff7348f2a924" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_bd4d08c5-41e7-4062-97b4-e221285b22e9" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_CommercialRealEstateLoansMember_bd4d08c5-41e7-4062-97b4-e221285b22e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_08984c23-c72a-4a14-ad9a-d787bb828574" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_08984c23-c72a-4a14-ad9a-d787bb828574" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_1c27e3b7-b96c-479b-afa1-13cddc2c7276" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_1c27e3b7-b96c-479b-afa1-13cddc2c7276" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_5cdc8b39-52ae-4b20-9d1e-857c66bc6d31" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_5cdc8b39-52ae-4b20-9d1e-857c66bc6d31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LeaseFinancingLoansMember_6899fab0-5ffe-4485-b290-21de01dbea25" xlink:href="fbc-20231231.xsd#fbc_LeaseFinancingLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:to="loc_fbc_LeaseFinancingLoansMember_6899fab0-5ffe-4485-b290-21de01dbea25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SpecialtyFinanceLoansAndLeasesMember_4442df35-8d46-4ebe-8610-e81e5a46070d" xlink:href="fbc-20231231.xsd#fbc_SpecialtyFinanceLoansAndLeasesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_17ba008b-cb69-46bf-8503-ea96863abcec" xlink:to="loc_fbc_SpecialtyFinanceLoansAndLeasesMember_4442df35-8d46-4ebe-8610-e81e5a46070d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_bf1d3e2f-dd33-40f2-a677-31dc36059381" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_76fe9312-e364-4262-bc6f-9bf93441f7ba" xlink:to="loc_fbc_OtherLoanCommitmentsMember_bf1d3e2f-dd33-40f2-a677-31dc36059381" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_efd6259b-e28f-4df6-bdfb-124fb473aa9c" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_0f75be57-cd10-4d98-bed2-a3ea30174d98" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_0f75be57-cd10-4d98-bed2-a3ea30174d98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_67993113-88c3-41c9-a828-549e60470bfb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_67993113-88c3-41c9-a828-549e60470bfb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_fc0d85b7-d9e1-4974-8de8-ddd4b9da1619" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_fc0d85b7-d9e1-4974-8de8-ddd4b9da1619" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_0f8bc866-1193-4417-bc16-708a561b569c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_0f8bc866-1193-4417-bc16-708a561b569c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_9e5e29f7-c8ca-40bb-a9a6-d481e180f139" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale_9e5e29f7-c8ca-40bb-a9a6-d481e180f139" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_e706ba32-03f3-43a1-98b8-bc0f9e9edd3f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent_e706ba32-03f3-43a1-98b8-bc0f9e9edd3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount_58288d3b-811e-4f33-8c26-4f18b9ea9e09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount_58288d3b-811e-4f33-8c26-4f18b9ea9e09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_aaf4a15b-0cd7-4098-8faf-643db0f7ff1b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_309f41ea-39e5-4fa9-890f-ab31022c4a27" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_aaf4a15b-0cd7-4098-8faf-643db0f7ff1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_d74c5632-da18-400c-8e36-dbfc6ab236a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss_aaf4a15b-0cd7-4098-8faf-643db0f7ff1b" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_d74c5632-da18-400c-8e36-dbfc6ab236a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_caa9c20d-42ba-4398-9a71-79d8f3efa416" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_caa9c20d-42ba-4398-9a71-79d8f3efa416" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54ecf585-cbf8-458e-bead-4ed80709e57f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54ecf585-cbf8-458e-bead-4ed80709e57f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_559dbe2f-ffbb-4d51-84bc-05e1b03218c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54ecf585-cbf8-458e-bead-4ed80709e57f" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_559dbe2f-ffbb-4d51-84bc-05e1b03218c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_c9429c1b-10ca-45c3-872a-58f399c1a6bc" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_559dbe2f-ffbb-4d51-84bc-05e1b03218c0" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_c9429c1b-10ca-45c3-872a-58f399c1a6bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7d086a60-f9b1-437e-955c-4d1ebf6ec897" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7d086a60-f9b1-437e-955c-4d1ebf6ec897" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aa781ad3-7668-484f-908e-9b0d01924c97" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_7d086a60-f9b1-437e-955c-4d1ebf6ec897" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aa781ad3-7668-484f-908e-9b0d01924c97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6339cec6-d354-448a-8534-15b549c3da29" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aa781ad3-7668-484f-908e-9b0d01924c97" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6339cec6-d354-448a-8534-15b549c3da29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_ddc88dda-0e78-4893-8e0b-3e4c5991cc5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_ddc88dda-0e78-4893-8e0b-3e4c5991cc5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_3d36270c-281d-4dfb-bb52-1acf9aea19be" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_ddc88dda-0e78-4893-8e0b-3e4c5991cc5e" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_3d36270c-281d-4dfb-bb52-1acf9aea19be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_e95205cb-f5f2-4b95-927e-8e7aa33f768f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_3d36270c-281d-4dfb-bb52-1acf9aea19be" xlink:to="loc_us-gaap_ExtendedMaturityMember_e95205cb-f5f2-4b95-927e-8e7aa33f768f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_8281e5d5-01b9-487d-9611-5e5aa26e2045" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_3d36270c-281d-4dfb-bb52-1acf9aea19be" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_8281e5d5-01b9-487d-9611-5e5aa26e2045" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_356b8794-b709-4c1e-9a15-7c03fbbdd526" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_356b8794-b709-4c1e-9a15-7c03fbbdd526" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_af65544c-30d8-447d-bcf4-82268e71063c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_356b8794-b709-4c1e-9a15-7c03fbbdd526" xlink:to="loc_us-gaap_RelatedPartyDomain_af65544c-30d8-447d-bcf4-82268e71063c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_0b7307e5-478d-43a1-ae92-4bd2fa1a9976" xlink:to="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableWithGovernmentGuaranty_6b1d4bab-399d-4733-9dd8-39410652becd" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableWithGovernmentGuaranty"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_fbc_FinancingReceivableWithGovernmentGuaranty_6b1d4bab-399d-4733-9dd8-39410652becd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability_9d42b06a-ad91-4137-a227-d68bebc3b35c" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability_9d42b06a-ad91-4137-a227-d68bebc3b35c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeclosedAssets_ac229e10-1e12-4c6c-a7a2-e47be1ad4fa8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ForeclosedAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_ForeclosedAssets_ac229e10-1e12-4c6c-a7a2-e47be1ad4fa8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_56343c4a-d458-4363-a1cf-50bd8e2ef4eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_56343c4a-d458-4363-a1cf-50bd8e2ef4eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableReclassificationToHeldForSale_e4d907ef-5a7c-4323-a523-5e33c3d695fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableReclassificationToHeldForSale"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableReclassificationToHeldForSale_e4d907ef-5a7c-4323-a523-5e33c3d695fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_46db25ad-082e-4c89-99ea-31d5d5ad7cc0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_46db25ad-082e-4c89-99ea-31d5d5ad7cc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_0397ccba-1f1b-45c6-84ed-ff571a7e2625" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_0397ccba-1f1b-45c6-84ed-ff571a7e2625" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_2887aa3c-65b4-46f0-91fc-022e01929f12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_2887aa3c-65b4-46f0-91fc-022e01929f12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_7f50714a-bc2d-41d3-85ea-cf49caa6cbb9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_7f50714a-bc2d-41d3-85ea-cf49caa6cbb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_26785227-2870-4568-9d79-68622c021877" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_4f6beb4b-fa93-41b2-adb7-0e0eceb7d197" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_26785227-2870-4568-9d79-68622c021877" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesQualityofLoansHeldforInvestmentDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_c5da534f-3e68-43d8-8caa-c70de016f9a5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_c5da534f-3e68-43d8-8caa-c70de016f9a5" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5aadb320-0b6e-4415-bbcf-8c2dd521b9e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5aadb320-0b6e-4415-bbcf-8c2dd521b9e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6f821526-5a22-4dec-8b14-23a4e4f50c6f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5aadb320-0b6e-4415-bbcf-8c2dd521b9e5" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6f821526-5a22-4dec-8b14-23a4e4f50c6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_e4f9fa51-b2c4-4a6c-b6d0-ea722c5fa87d" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6f821526-5a22-4dec-8b14-23a4e4f50c6f" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_e4f9fa51-b2c4-4a6c-b6d0-ea722c5fa87d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_4a87e02e-2516-4139-90e7-6ba4d07f7b73" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6f821526-5a22-4dec-8b14-23a4e4f50c6f" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_4a87e02e-2516-4139-90e7-6ba4d07f7b73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9ea489e9-254b-4219-81c9-b04133d1a4f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9ea489e9-254b-4219-81c9-b04133d1a4f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_9ea489e9-254b-4219-81c9-b04133d1a4f3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_5455cfc0-2a6b-44d0-ba81-2765e9eb441f" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_MultiFamilyLoanMember_5455cfc0-2a6b-44d0-ba81-2765e9eb441f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_e895e134-e33c-40c3-9f34-1805953242ef" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_CommercialRealEstateLoansMember_e895e134-e33c-40c3-9f34-1805953242ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_1f035501-2935-42d8-8cd5-cca2cff4a5cc" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_1f035501-2935-42d8-8cd5-cca2cff4a5cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_a1f90ce2-89b2-48f5-baeb-96ca23f25d11" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_a1f90ce2-89b2-48f5-baeb-96ca23f25d11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_61abafee-64d1-41dd-b812-ce5ded71f588" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_61abafee-64d1-41dd-b812-ce5ded71f588" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_3d119898-8f9b-4613-8536-6e11bdc002c8" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4fd83d3a-ed3d-4afb-84e4-c684c071a920" xlink:to="loc_fbc_OtherLoanCommitmentsMember_3d119898-8f9b-4613-8536-6e11bdc002c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_f7248031-94d3-48de-b8b4-b12a8f4b3208" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_f7248031-94d3-48de-b8b4-b12a8f4b3208" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_f7248031-94d3-48de-b8b4-b12a8f4b3208" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancialAsset30To89DaysPastDueMember_3523ea91-fd6a-442b-b4af-3337e9780e51" xlink:href="fbc-20231231.xsd#fbc_FinancialAsset30To89DaysPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:to="loc_fbc_FinancialAsset30To89DaysPastDueMember_3523ea91-fd6a-442b-b4af-3337e9780e51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_01f50fe4-5869-4039-812a-f2be2e7be7e7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_01f50fe4-5869-4039-812a-f2be2e7be7e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_164f1961-1b27-4707-b006-424a622595d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1292d579-5141-4547-a62d-126d8fe12788" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_164f1961-1b27-4707-b006-424a622595d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3197d7e4-6b4a-4900-9e31-f31b3b2de210" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:to="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3197d7e4-6b4a-4900-9e31-f31b3b2de210" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain_3b618097-4dfa-46ce-9b9f-bbf611ece666" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RelatedPartyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3197d7e4-6b4a-4900-9e31-f31b3b2de210" xlink:to="loc_us-gaap_RelatedPartyDomain_3b618097-4dfa-46ce-9b9f-bbf611ece666" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OfficersAndDirectorsMember_d2f76e2f-35e9-4097-882f-59ad351512cd" xlink:href="fbc-20231231.xsd#fbc_OfficersAndDirectorsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RelatedPartyDomain_3b618097-4dfa-46ce-9b9f-bbf611ece666" xlink:to="loc_fbc_OfficersAndDirectorsMember_d2f76e2f-35e9-4097-882f-59ad351512cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_33da7098-bc13-42d7-b08d-82e0a7971005" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_8727eeaa-fc8b-402b-b85f-5f01cb264ae3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_8727eeaa-fc8b-402b-b85f-5f01cb264ae3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_3b7242ed-ffd2-44cb-865e-28db4ee07b1f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_3b7242ed-ffd2-44cb-865e-28db4ee07b1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_73680beb-769c-401c-98d1-5bac0260e117" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_34c2dc97-bc07-4d0e-945f-3072071fccce" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_73680beb-769c-401c-98d1-5bac0260e117" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_7a072084-f9ac-4f27-bf8d-23cbd9885e2d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_7a072084-f9ac-4f27-bf8d-23cbd9885e2d" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_663ed95a-5ff1-4a3f-b6d5-574b471bf012" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_663ed95a-5ff1-4a3f-b6d5-574b471bf012" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8a42b2f8-e7f6-4684-8058-2cd6e185e936" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_663ed95a-5ff1-4a3f-b6d5-574b471bf012" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8a42b2f8-e7f6-4684-8058-2cd6e185e936" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_8eb65200-a705-4197-8714-1de6494ebb70" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8a42b2f8-e7f6-4684-8058-2cd6e185e936" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_8eb65200-a705-4197-8714-1de6494ebb70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_a1508ae0-37a3-4060-84d7-727d18fa536e" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8a42b2f8-e7f6-4684-8058-2cd6e185e936" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_a1508ae0-37a3-4060-84d7-727d18fa536e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d19f241a-2d0f-46f4-8794-ee2a0e038f9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d19f241a-2d0f-46f4-8794-ee2a0e038f9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d19f241a-2d0f-46f4-8794-ee2a0e038f9f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_349e290f-d539-4117-a9de-7a388491fb5a" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_MultiFamilyLoanMember_349e290f-d539-4117-a9de-7a388491fb5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_6959eab1-ec85-47d2-b3df-de4a20b90197" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_CommercialRealEstateLoansMember_6959eab1-ec85-47d2-b3df-de4a20b90197" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_2d67f301-e7d5-4e35-bbf8-4e1879dba947" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_2d67f301-e7d5-4e35-bbf8-4e1879dba947" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_5f759d4d-a43c-4952-8dba-14f5f1c44373" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_5f759d4d-a43c-4952-8dba-14f5f1c44373" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_19c07526-3f8f-476b-87c4-c222ba75970c" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_19c07526-3f8f-476b-87c4-c222ba75970c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_3e5cbff4-e39a-49b1-8474-48a1de467499" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a4136fbf-8bd2-4760-a8b9-d5c186f40336" xlink:to="loc_fbc_OtherLoanCommitmentsMember_3e5cbff4-e39a-49b1-8474-48a1de467499" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_8efc0c0e-d9ea-4179-9666-37c70d1ad24f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_8efc0c0e-d9ea-4179-9666-37c70d1ad24f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_8efc0c0e-d9ea-4179-9666-37c70d1ad24f" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PassMember_21a7833a-38ee-468a-98f5-8e93341ad6f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PassMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:to="loc_us-gaap_PassMember_21a7833a-38ee-468a-98f5-8e93341ad6f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SpecialMentionMember_fa50cdbd-9b6f-425b-9fcd-6453a89e1ab4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SpecialMentionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:to="loc_us-gaap_SpecialMentionMember_fa50cdbd-9b6f-425b-9fcd-6453a89e1ab4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubstandardMember_3d18859e-28a2-41d8-805e-d28101797071" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubstandardMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:to="loc_us-gaap_SubstandardMember_3d18859e-28a2-41d8-805e-d28101797071" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DoubtfulMember_4d7de7f1-fd33-42a4-9f0e-4dde04738cb2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DoubtfulMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_e6f65499-5166-401c-b6da-fc927431a59c" xlink:to="loc_us-gaap_DoubtfulMember_4d7de7f1-fd33-42a4-9f0e-4dde04738cb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_a717ad42-6a59-4dd4-9b3b-9cc4083ac1b9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2180365c-c73f-45be-8afd-1387a6a8a0b5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_a717ad42-6a59-4dd4-9b3b-9cc4083ac1b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_3695d34d-9bb6-4771-82e7-fd46bb1b2ef5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_a717ad42-6a59-4dd4-9b3b-9cc4083ac1b9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_3695d34d-9bb6-4771-82e7-fd46bb1b2ef5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_6fe3c0a2-e7e2-44bf-85c1-58f17d26a740" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_6fe3c0a2-e7e2-44bf-85c1-58f17d26a740" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a3dbdddb-a25a-4bc8-afe8-a7ce073f4a24" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a3dbdddb-a25a-4bc8-afe8-a7ce073f4a24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b252169a-ae54-435d-8fd8-9f384191003f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a3dbdddb-a25a-4bc8-afe8-a7ce073f4a24" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b252169a-ae54-435d-8fd8-9f384191003f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_abd5263c-44d4-49d9-a397-9951c33e24a6" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b252169a-ae54-435d-8fd8-9f384191003f" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_abd5263c-44d4-49d9-a397-9951c33e24a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_fed9a26f-de2f-497d-9c7a-fdeae37d4ae9" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_b252169a-ae54-435d-8fd8-9f384191003f" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_fed9a26f-de2f-497d-9c7a-fdeae37d4ae9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ac62a2e2-9a0c-47d1-8cad-c0c39f90039a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ac62a2e2-9a0c-47d1-8cad-c0c39f90039a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ac62a2e2-9a0c-47d1-8cad-c0c39f90039a" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_4fc53644-7704-49cd-9205-07e001c01d62" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_MultiFamilyLoanMember_4fc53644-7704-49cd-9205-07e001c01d62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_636c584a-ce08-438b-8eda-a4e67060e90a" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_CommercialRealEstateLoansMember_636c584a-ce08-438b-8eda-a4e67060e90a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6b6d2077-ab36-4b0b-9cdb-e8f28c54ebe8" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6b6d2077-ab36-4b0b-9cdb-e8f28c54ebe8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_7736d367-eb0b-4767-9f87-8f5d8c40e90e" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_7736d367-eb0b-4767-9f87-8f5d8c40e90e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_40c7cd30-5992-47c5-9420-db4acf3a51f5" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember_40c7cd30-5992-47c5-9420-db4acf3a51f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_e25bd0b4-23e5-4843-b32e-59c71767f6fe" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_11943a6e-1778-414f-8456-ca188c3741c4" xlink:to="loc_fbc_OtherLoanCommitmentsMember_e25bd0b4-23e5-4843-b32e-59c71767f6fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_68bbb4af-a23d-4093-9cf9-3b26af0c4427" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_68bbb4af-a23d-4093-9cf9-3b26af0c4427" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_68bbb4af-a23d-4093-9cf9-3b26af0c4427" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PassMember_f1c6dd16-2628-44f2-be32-100011beb200" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PassMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:to="loc_us-gaap_PassMember_f1c6dd16-2628-44f2-be32-100011beb200" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SpecialMentionMember_4cf90984-da88-417f-8011-8f53f8807d17" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SpecialMentionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:to="loc_us-gaap_SpecialMentionMember_4cf90984-da88-417f-8011-8f53f8807d17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubstandardMember_f01c9c2f-15eb-47c0-a7ce-ace782f76228" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubstandardMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:to="loc_us-gaap_SubstandardMember_f01c9c2f-15eb-47c0-a7ce-ace782f76228" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DoubtfulMember_8c62afb3-38cb-4c07-aa64-3cb800ffeba6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DoubtfulMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_3ab7b24f-655c-4d1f-8c12-78addaa244a4" xlink:to="loc_us-gaap_DoubtfulMember_8c62afb3-38cb-4c07-aa64-3cb800ffeba6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_c1734ca7-dceb-4dd0-b252-d03607ff16e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_2bad6c25-4f5f-4604-a6c9-794d451bf5e7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_c1734ca7-dceb-4dd0-b252-d03607ff16e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_c1734ca7-dceb-4dd0-b252-d03607ff16e0" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_edcafd47-4681-475b-8a72-bffddf994a88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_edcafd47-4681-475b-8a72-bffddf994a88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_2654bff6-66ab-489f-98a7-524abbddb6e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_2654bff6-66ab-489f-98a7-524abbddb6e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_1f31a0f0-2adb-4e56-9023-fc0a68db8c55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_1f31a0f0-2adb-4e56-9023-fc0a68db8c55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_8bc63298-a157-4b85-8add-a989f6a838a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_8bc63298-a157-4b85-8add-a989f6a838a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c0186a00-1259-40eb-9ef5-fda33bfd0d68" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c0186a00-1259-40eb-9ef5-fda33bfd0d68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_37bc761e-7e33-4790-b090-546df69187f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_37bc761e-7e33-4790-b090-546df69187f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_4115f088-d840-4ac1-be4d-ffc6f94bd0d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_4115f088-d840-4ac1-be4d-ffc6f94bd0d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_af9038f7-085e-4b79-b692-15dd4d3966e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan_af9038f7-085e-4b79-b692-15dd4d3966e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_d1db4c5a-cdc2-4e38-bfee-0d51d352cfad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_f6d99800-7be2-4861-8af6-78897a9928f6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_d1db4c5a-cdc2-4e38-bfee-0d51d352cfad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_c1734ca7-dceb-4dd0-b252-d03607ff16e0" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_aa1f02f8-3ce9-40e7-bd51-bb82ceea4ee9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_aa1f02f8-3ce9-40e7-bd51-bb82ceea4ee9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_62a19591-d1ec-4832-afbc-f9d110adcacd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_62a19591-d1ec-4832-afbc-f9d110adcacd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_eb8a9204-80eb-4ff1-b25f-e09707c62414" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_eb8a9204-80eb-4ff1-b25f-e09707c62414" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_a75baef0-af9d-4205-be62-bed17908e028" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_a75baef0-af9d-4205-be62-bed17908e028" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_f0eb2095-b773-4c82-9ea1-6d877f742d13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_f0eb2095-b773-4c82-9ea1-6d877f742d13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_9114b854-6443-4c43-afad-2187161644ce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_9114b854-6443-4c43-afad-2187161644ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_5fba13ab-737c-429c-aed0-c403966d948f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_5fba13ab-737c-429c-aed0-c403966d948f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_11cf8b66-273b-4604-b9c7-ff96996cb8b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff_11cf8b66-273b-4604-b9c7-ff96996cb8b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_eda578c7-ccfa-4935-b21a-4eb7134114cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_08dfbf06-0dd5-4342-b5cb-33995a2b5163" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_eda578c7-ccfa-4935-b21a-4eb7134114cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesCollateralDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesCollateralDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesCollateralDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_c36db032-66cc-40ec-8797-8d244083f4a4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_c36db032-66cc-40ec-8797-8d244083f4a4" xlink:to="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_4660b828-c2cf-428c-bb6a-ffbec4e426e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:to="loc_us-gaap_CollateralAxis_4660b828-c2cf-428c-bb6a-ffbec4e426e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_47eec13e-5ea7-4bf1-ac2b-443d0a493ecd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralAxis_4660b828-c2cf-428c-bb6a-ffbec4e426e4" xlink:to="loc_us-gaap_CollateralDomain_47eec13e-5ea7-4bf1-ac2b-443d0a493ecd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RealPropertyCollateralMember_09c15d06-6790-4dc0-a47d-52613a7ad7aa" xlink:href="fbc-20231231.xsd#fbc_RealPropertyCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_47eec13e-5ea7-4bf1-ac2b-443d0a493ecd" xlink:to="loc_fbc_RealPropertyCollateralMember_09c15d06-6790-4dc0-a47d-52613a7ad7aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherCollateralMember_ec3f847a-19c8-4588-a51f-9f46f4c28201" xlink:href="fbc-20231231.xsd#fbc_OtherCollateralMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_47eec13e-5ea7-4bf1-ac2b-443d0a493ecd" xlink:to="loc_fbc_OtherCollateralMember_ec3f847a-19c8-4588-a51f-9f46f4c28201" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_576bfb7c-e401-404f-9f26-1f47dfa0fdc6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_576bfb7c-e401-404f-9f26-1f47dfa0fdc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee11d4e6-ed74-4c67-94d8-93b282ecac2c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_576bfb7c-e401-404f-9f26-1f47dfa0fdc6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee11d4e6-ed74-4c67-94d8-93b282ecac2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_c426a504-e9db-484f-9ca3-a673e883efc6" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee11d4e6-ed74-4c67-94d8-93b282ecac2c" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_c426a504-e9db-484f-9ca3-a673e883efc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_c1587451-fb61-47db-b42c-5672860b63b4" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee11d4e6-ed74-4c67-94d8-93b282ecac2c" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_c1587451-fb61-47db-b42c-5672860b63b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2974dcd4-c6a8-448a-890f-dc2f0d421ce0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2974dcd4-c6a8-448a-890f-dc2f0d421ce0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2974dcd4-c6a8-448a-890f-dc2f0d421ce0" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_e6aaa183-410e-4af0-8ae0-48e17700a297" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_MultiFamilyLoanMember_e6aaa183-410e-4af0-8ae0-48e17700a297" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_d0ab5992-a575-4b8c-91f6-2e9378a90478" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_CommercialRealEstateLoansMember_d0ab5992-a575-4b8c-91f6-2e9378a90478" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_62150cba-95df-4885-940c-8f4c40411503" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_62150cba-95df-4885-940c-8f4c40411503" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_1f3773b1-178a-4123-a286-32252d3b6b35" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_1f3773b1-178a-4123-a286-32252d3b6b35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_b4c98d62-b670-4b2a-a200-b7e8906c0cd1" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7df584f3-f45c-49c1-a2c6-db216a6f6fcc" xlink:to="loc_fbc_OtherLoanCommitmentsMember_b4c98d62-b670-4b2a-a200-b7e8906c0cd1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_eb0989cf-8de1-4c7c-b286-666553fb5189" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PledgedStatusAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:to="loc_us-gaap_PledgedStatusAxis_eb0989cf-8de1-4c7c-b286-666553fb5189" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_a2e51db1-cf07-4b52-8fd5-cd6bf27360a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PledgedStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusAxis_eb0989cf-8de1-4c7c-b286-666553fb5189" xlink:to="loc_us-gaap_PledgedStatusDomain_a2e51db1-cf07-4b52-8fd5-cd6bf27360a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_dd6328e7-039e-41ce-b2e7-614a3f9a0b31" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PledgedStatusDomain_a2e51db1-cf07-4b52-8fd5-cd6bf27360a1" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_dd6328e7-039e-41ce-b2e7-614a3f9a0b31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_041ceb00-1374-4c93-8912-2ff181bf0b0b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable_888e873b-ea61-412d-bfe9-550fa2ac6ad5" xlink:to="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_041ceb00-1374-4c93-8912-2ff181bf0b0b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_cbf24117-6e2c-4eac-9795-3dd9dba27981" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems_041ceb00-1374-4c93-8912-2ff181bf0b0b" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_cbf24117-6e2c-4eac-9795-3dd9dba27981" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesLoanModificationsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_a3f1144f-1ebc-4f6d-94d5-c1291200737c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_a3f1144f-1ebc-4f6d-94d5-c1291200737c" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_5d0cd3e8-c66d-4f50-b66d-7e05f0ee20e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_5d0cd3e8-c66d-4f50-b66d-7e05f0ee20e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_5d0cd3e8-c66d-4f50-b66d-7e05f0ee20e8" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualInterestRateReductionMember_b0b1c5c0-e64b-4dc9-8f65-ecfa859c12f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ContractualInterestRateReductionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:to="loc_us-gaap_ContractualInterestRateReductionMember_b0b1c5c0-e64b-4dc9-8f65-ecfa859c12f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_8ca4579a-4d41-40f0-bb3e-3c3945953e40" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:to="loc_us-gaap_ExtendedMaturityMember_8ca4579a-4d41-40f0-bb3e-3c3945953e40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_fd9c285f-2a9f-457e-9482-1a71922a33a5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_dbd76dc8-93a3-45a2-8d17-79533d8be159" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_fd9c285f-2a9f-457e-9482-1a71922a33a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7b2f8597-6b54-4a8e-881c-9b407c093836" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7b2f8597-6b54-4a8e-881c-9b407c093836" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_949646d2-686a-4a9c-bd53-8bef1748ea09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7b2f8597-6b54-4a8e-881c-9b407c093836" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_949646d2-686a-4a9c-bd53-8bef1748ea09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_e1946559-1812-47ae-ad5b-3a76ba3fc4b7" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_949646d2-686a-4a9c-bd53-8bef1748ea09" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_e1946559-1812-47ae-ad5b-3a76ba3fc4b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_bf3bcff1-796b-436a-a312-59faa8e9eddf" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_949646d2-686a-4a9c-bd53-8bef1748ea09" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_bf3bcff1-796b-436a-a312-59faa8e9eddf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8a405a0d-45bc-458f-bba7-41230ac00688" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8a405a0d-45bc-458f-bba7-41230ac00688" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8a405a0d-45bc-458f-bba7-41230ac00688" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_ed565d7a-4ce6-4a9d-81c5-894a7aa42e43" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_MultiFamilyLoanMember_ed565d7a-4ce6-4a9d-81c5-894a7aa42e43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_d275aab9-1a39-496e-adb8-843500dabb94" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_CommercialRealEstateLoansMember_d275aab9-1a39-496e-adb8-843500dabb94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_0d376bd6-9343-439f-94d6-604fbf98cb86" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_0d376bd6-9343-439f-94d6-604fbf98cb86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_a20e8357-b84b-423b-8046-4b597a316ea7" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_a20e8357-b84b-423b-8046-4b597a316ea7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_4d36de4b-3e79-4e44-81d1-507479c1005b" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2d1d7765-30d2-4b94-9207-e3690d830d0c" xlink:to="loc_fbc_OtherLoanCommitmentsMember_4d36de4b-3e79-4e44-81d1-507479c1005b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_1869d372-6752-492f-82b2-2d0bffb2310e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:to="loc_srt_RangeAxis_1869d372-6752-492f-82b2-2d0bffb2310e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_38fddaad-1083-49a7-bf18-eabcd96b9e6c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_1869d372-6752-492f-82b2-2d0bffb2310e" xlink:to="loc_srt_RangeMember_38fddaad-1083-49a7-bf18-eabcd96b9e6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_21bfd3b9-cf6c-4dfa-afb5-7e40867d7bd1" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_38fddaad-1083-49a7-bf18-eabcd96b9e6c" xlink:to="loc_srt_MinimumMember_21bfd3b9-cf6c-4dfa-afb5-7e40867d7bd1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_418e0b73-ac0b-464a-a869-27d149bd003b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_38fddaad-1083-49a7-bf18-eabcd96b9e6c" xlink:to="loc_srt_MaximumMember_418e0b73-ac0b-464a-a869-27d149bd003b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_7dfe4bdb-b862-4619-a5bf-f3f53d801349" xlink:to="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_5b5b1aca-1e9c-44a4-a532-70f6cf58b7a3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_5b5b1aca-1e9c-44a4-a532-70f6cf58b7a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_07652a06-138a-43cb-ae44-3f489c0d3f7b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:to="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_07652a06-138a-43cb-ae44-3f489c0d3f7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_6b8b9075-33bf-494a-835e-d84ad1a0f877" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification_6b8b9075-33bf-494a-835e-d84ad1a0f877" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_998a6d70-48b0-4ae4-8685-cbef3a6d7f03" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_76f93dc2-7bf8-4f91-a847-a4c9d6b9ab83" xlink:to="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_998a6d70-48b0-4ae4-8685-cbef3a6d7f03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_695e55a8-e860-48bd-bbd6-61cc85d41569" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_695e55a8-e860-48bd-bbd6-61cc85d41569" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f15735df-40c0-40da-9d41-be04a7b92818" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f15735df-40c0-40da-9d41-be04a7b92818" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_83e24832-1eea-4392-a167-54cc2597b487" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f15735df-40c0-40da-9d41-be04a7b92818" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_83e24832-1eea-4392-a167-54cc2597b487" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_b56799ed-8fb8-4294-836f-f56e71a1ec8a" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_83e24832-1eea-4392-a167-54cc2597b487" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_b56799ed-8fb8-4294-836f-f56e71a1ec8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_846ae777-1da2-4057-9f64-2495e6cc7edd" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_83e24832-1eea-4392-a167-54cc2597b487" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_846ae777-1da2-4057-9f64-2495e6cc7edd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_75cd48a3-1590-4858-9adc-1d7d61935659" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_75cd48a3-1590-4858-9adc-1d7d61935659" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_75cd48a3-1590-4858-9adc-1d7d61935659" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_d3e1c765-c770-4aa5-b6c6-e688f2e49417" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_d3e1c765-c770-4aa5-b6c6-e688f2e49417" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_9abde01a-a8b5-4058-a214-6edccea00c4a" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_9abde01a-a8b5-4058-a214-6edccea00c4a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_bc64a22a-f75f-4435-a06a-253b01f658e1" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:to="loc_fbc_OtherLoanCommitmentsMember_bc64a22a-f75f-4435-a06a-253b01f658e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_648b9ebf-c4e7-451e-862d-e306382a4aa8" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_19c28743-9324-4fc1-a4df-ea14c1207d6d" xlink:to="loc_fbc_CommercialRealEstateLoansMember_648b9ebf-c4e7-451e-862d-e306382a4aa8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e20adbd2-0942-4959-a4ae-a5263d6d7355" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e20adbd2-0942-4959-a4ae-a5263d6d7355" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_e20adbd2-0942-4959-a4ae-a5263d6d7355" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_fb37c577-3122-4f84-be31-19ca0bad7302" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_fb37c577-3122-4f84-be31-19ca0bad7302" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancialAsset30To89DaysPastDueMember_e355d118-0965-4530-a5bf-2eaa245fe716" xlink:href="fbc-20231231.xsd#fbc_FinancialAsset30To89DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:to="loc_fbc_FinancialAsset30To89DaysPastDueMember_e355d118-0965-4530-a5bf-2eaa245fe716" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_40e742cf-0011-46fc-bc7a-35d5a3c21305" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_3536f138-53aa-4e35-80fd-d7f8591fc4e3" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_40e742cf-0011-46fc-bc7a-35d5a3c21305" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_349a4292-5a96-4a6d-9d90-6ed17f73815f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_9a737bd5-662e-4e5a-8e08-32bb5114851f" xlink:to="loc_us-gaap_FinancingReceivableModificationsLineItems_349a4292-5a96-4a6d-9d90-6ed17f73815f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_eb404ace-f243-47a3-843a-d940ef3372d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_349a4292-5a96-4a6d-9d90-6ed17f73815f" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months_eb404ace-f243-47a3-843a-d940ef3372d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesTDRsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesTDRsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesTDRsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_361ec35d-c154-4cec-81ec-27d4e63f8d12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_a2e7ed24-0064-4b90-9fb8-dadd5c31d257" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_361ec35d-c154-4cec-81ec-27d4e63f8d12" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_a2e7ed24-0064-4b90-9fb8-dadd5c31d257" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_373d76ae-f1f1-4cd6-b9af-e8128b85bc40" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_a2e7ed24-0064-4b90-9fb8-dadd5c31d257" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_373d76ae-f1f1-4cd6-b9af-e8128b85bc40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_907548d6-4392-4798-b434-df3b760e3747" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_373d76ae-f1f1-4cd6-b9af-e8128b85bc40" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_907548d6-4392-4798-b434-df3b760e3747" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_c3a78681-3f8f-45cf-9803-0ba27c3364e6" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_907548d6-4392-4798-b434-df3b760e3747" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_c3a78681-3f8f-45cf-9803-0ba27c3364e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_0b3dc39f-9c56-4189-b5ea-cccf328a3ac2" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_907548d6-4392-4798-b434-df3b760e3747" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_0b3dc39f-9c56-4189-b5ea-cccf328a3ac2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ddda7ab6-a83d-4d84-a683-ff823860091f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_a2e7ed24-0064-4b90-9fb8-dadd5c31d257" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ddda7ab6-a83d-4d84-a683-ff823860091f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ddda7ab6-a83d-4d84-a683-ff823860091f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_c78ad191-e848-48fb-8384-45a2caf5b0b9" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_MultiFamilyLoanMember_c78ad191-e848-48fb-8384-45a2caf5b0b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_9badac35-f266-4cce-b3e2-9249613d6cea" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_CommercialRealEstateLoansMember_9badac35-f266-4cce-b3e2-9249613d6cea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_ba1d8796-a29f-49a7-a589-be5827fccaef" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_ba1d8796-a29f-49a7-a589-be5827fccaef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6db3bb90-3f4a-4fad-ba0a-f619e0248f38" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_6db3bb90-3f4a-4fad-ba0a-f619e0248f38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_e0929122-5f1d-47e4-adba-389a3004e005" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_ec92f339-0e40-4ea0-9efc-216724f9ba03" xlink:to="loc_fbc_OtherLoanCommitmentsMember_e0929122-5f1d-47e4-adba-389a3004e005" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_a2e7ed24-0064-4b90-9fb8-dadd5c31d257" xlink:to="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing_69d133eb-0ecf-4e9b-a88e-93ec3583e484" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:to="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing_69d133eb-0ecf-4e9b-a88e-93ec3583e484" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual_04746560-e9da-4f9f-8a1f-55f8f1b9a394" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:to="loc_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual_04746560-e9da-4f9f-8a1f-55f8f1b9a394" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_25b0ed40-9ef4-4fc1-a5a4-736f6b50da78" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_2ff5e93f-c873-496f-afc9-3bf1851591f1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_25b0ed40-9ef4-4fc1-a5a4-736f6b50da78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LoansandLeasesFinancialEffectofTDRsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_1234909a-7f35-49fa-bd4d-977691d77dcd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_0e4ee133-f1ea-40a5-8638-7f410e4d7588" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_1234909a-7f35-49fa-bd4d-977691d77dcd" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_0e4ee133-f1ea-40a5-8638-7f410e4d7588" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_c86bdf28-a68c-4934-81f9-1f6ededb6df7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_0e4ee133-f1ea-40a5-8638-7f410e4d7588" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_c86bdf28-a68c-4934-81f9-1f6ededb6df7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f3001885-4a1b-4fb8-9a1f-f0405a439c00" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_c86bdf28-a68c-4934-81f9-1f6ededb6df7" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f3001885-4a1b-4fb8-9a1f-f0405a439c00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_815fd950-1206-4c82-8595-416f63938e0e" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f3001885-4a1b-4fb8-9a1f-f0405a439c00" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_815fd950-1206-4c82-8595-416f63938e0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c8da1b8-29a7-43c0-9c2e-043f79f062d7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_0e4ee133-f1ea-40a5-8638-7f410e4d7588" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c8da1b8-29a7-43c0-9c2e-043f79f062d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d4c29467-f7fd-49a2-b7f4-3d258dde146b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c8da1b8-29a7-43c0-9c2e-043f79f062d7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d4c29467-f7fd-49a2-b7f4-3d258dde146b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_edde1b91-c1ba-4bf1-a87e-0580490e6516" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d4c29467-f7fd-49a2-b7f4-3d258dde146b" xlink:to="loc_fbc_CommercialRealEstateLoansMember_edde1b91-c1ba-4bf1-a87e-0580490e6516" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_0e4ee133-f1ea-40a5-8638-7f410e4d7588" xlink:to="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2_dfbc0cc0-8f3e-4695-ac34-242da7d5d3b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2_dfbc0cc0-8f3e-4695-ac34-242da7d5d3b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_904b1042-6281-436c-b3f7-7e74b963bc88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_904b1042-6281-436c-b3f7-7e74b963bc88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_23b5c119-4c79-40a8-abea-d453d37de45e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_23b5c119-4c79-40a8-abea-d453d37de45e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification_77cd44af-fcf4-4d87-b803-1e5888dbd7f7" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification_77cd44af-fcf4-4d87-b803-1e5888dbd7f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification_2074774a-a745-460a-b646-8d06b11785b0" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification_2074774a-a745-460a-b646-8d06b11785b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown_99c43346-3da2-4a09-8933-abeaf9a4b538" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown_99c43346-3da2-4a09-8933-abeaf9a4b538" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest_3e5d2358-1a54-41d1-93e9-a60683d09c51" xlink:href="fbc-20231231.xsd#fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_03f27f4a-b80d-448e-8b98-18482912fc46" xlink:to="loc_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest_3e5d2358-1a54-41d1-93e9-a60683d09c51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract_8cb8b2aa-9cd6-44aa-80b0-109a2d6f6f1a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditLossAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_dcfc63e7-a520-40b6-b271-a47c3875f89d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_8cb8b2aa-9cd6-44aa-80b0-109a2d6f6f1a" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_dcfc63e7-a520-40b6-b271-a47c3875f89d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_248fad76-13cb-49cd-8dff-4b8dbe4662fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_dcfc63e7-a520-40b6-b271-a47c3875f89d" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_248fad76-13cb-49cd-8dff-4b8dbe4662fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_502600a6-9e47-4f2f-ba12-0ce7cbdaa7b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_248fad76-13cb-49cd-8dff-4b8dbe4662fc" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_502600a6-9e47-4f2f-ba12-0ce7cbdaa7b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_218c5a1c-dde3-457c-99a0-b1ee8bc05af5" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_502600a6-9e47-4f2f-ba12-0ce7cbdaa7b1" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_218c5a1c-dde3-457c-99a0-b1ee8bc05af5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_e35695a5-85e6-45a4-aff7-f72a9ee43611" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_502600a6-9e47-4f2f-ba12-0ce7cbdaa7b1" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_e35695a5-85e6-45a4-aff7-f72a9ee43611" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_25c21711-548b-4411-add6-c4cdd424313e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_dcfc63e7-a520-40b6-b271-a47c3875f89d" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_25c21711-548b-4411-add6-c4cdd424313e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_25c21711-548b-4411-add6-c4cdd424313e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f0bbc4bd-2b09-44e1-b2a3-4a5b1555e6f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f0bbc4bd-2b09-44e1-b2a3-4a5b1555e6f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_9814e33f-e0d7-43b9-a746-1baf0669655a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_9814e33f-e0d7-43b9-a746-1baf0669655a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_9650db8a-5bf1-440e-9cac-78059aa63982" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_9650db8a-5bf1-440e-9cac-78059aa63982" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_e29f5fcc-293e-4e71-b574-331f6d0b01ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_e29f5fcc-293e-4e71-b574-331f6d0b01ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_67ab93ff-c5f0-4481-b620-f55b685399ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_67ab93ff-c5f0-4481-b620-f55b685399ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f98fb30c-5c33-41a3-a870-aca452cd5623" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_b724f2fb-96b7-49e9-b636-9b70d3b07dbb" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_f98fb30c-5c33-41a3-a870-aca452cd5623" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#AllowanceforCreditLossesonLoansandLeasesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract_1840d544-0733-42c2-a24d-7e1a2b0920ad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditLossAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_0ebd19d7-9a44-430b-b031-0964ff1a0d14" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_1840d544-0733-42c2-a24d-7e1a2b0920ad" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_0ebd19d7-9a44-430b-b031-0964ff1a0d14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ef80da45-a092-480b-a180-1a96a2c7fbcd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_0ebd19d7-9a44-430b-b031-0964ff1a0d14" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ef80da45-a092-480b-a180-1a96a2c7fbcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8b5136fe-0855-4342-8664-e21ffb24747d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ef80da45-a092-480b-a180-1a96a2c7fbcd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8b5136fe-0855-4342-8664-e21ffb24747d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember_ca0c837a-912b-4128-9cf7-07dfb1cf297b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8b5136fe-0855-4342-8664-e21ffb24747d" xlink:to="loc_us-gaap_UnfundedLoanCommitmentMember_ca0c837a-912b-4128-9cf7-07dfb1cf297b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_e43ed674-40c8-4172-9292-f8973d1d8a74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_0ebd19d7-9a44-430b-b031-0964ff1a0d14" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_e43ed674-40c8-4172-9292-f8973d1d8a74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_22c95821-2ded-49dd-a859-b3a3388b8c69" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_e43ed674-40c8-4172-9292-f8973d1d8a74" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_22c95821-2ded-49dd-a859-b3a3388b8c69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_838b45cc-5c76-4a44-923c-e2af0203b0bf" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_22c95821-2ded-49dd-a859-b3a3388b8c69" xlink:to="loc_fbc_SignatureBridgeBankMember_838b45cc-5c76-4a44-923c-e2af0203b0bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_b6f08f6a-3c07-4bc4-9d6b-f4e6019aa7e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_0ebd19d7-9a44-430b-b031-0964ff1a0d14" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_b6f08f6a-3c07-4bc4-9d6b-f4e6019aa7e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_abd5a950-822c-4d41-89b1-d1c95b397bc2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_b6f08f6a-3c07-4bc4-9d6b-f4e6019aa7e2" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_abd5a950-822c-4d41-89b1-d1c95b397bc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_f3d81993-e528-4704-b40b-0a5fe74b8b0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_b6f08f6a-3c07-4bc4-9d6b-f4e6019aa7e2" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_f3d81993-e528-4704-b40b-0a5fe74b8b0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossAbstract_3c14da1f-f4ea-4638-8e96-0f697d47f5d3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditLossAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_20b46d78-dbbf-4ed5-84cc-2adfdd519240" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditLossAbstract_3c14da1f-f4ea-4638-8e96-0f697d47f5d3" xlink:to="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_20b46d78-dbbf-4ed5-84cc-2adfdd519240" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54d8b50a-ec2f-4eb6-9a10-1dea751eabe2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_20b46d78-dbbf-4ed5-84cc-2adfdd519240" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54d8b50a-ec2f-4eb6-9a10-1dea751eabe2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c97df33e-e5d1-4ad5-a07e-84f69bf93ee3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_54d8b50a-ec2f-4eb6-9a10-1dea751eabe2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c97df33e-e5d1-4ad5-a07e-84f69bf93ee3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_cf0fa821-483f-4cf1-b3f4-1b479ef0d473" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c97df33e-e5d1-4ad5-a07e-84f69bf93ee3" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_cf0fa821-483f-4cf1-b3f4-1b479ef0d473" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoansHeldForInvestmentMember_37c7bd24-ac1f-4aa3-93b1-9b4fa87ab81e" xlink:href="fbc-20231231.xsd#fbc_OtherLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_c97df33e-e5d1-4ad5-a07e-84f69bf93ee3" xlink:to="loc_fbc_OtherLoansHeldForInvestmentMember_37c7bd24-ac1f-4aa3-93b1-9b4fa87ab81e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aa3e8ae0-a885-4e7d-99e2-9e7c42e00310" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_20b46d78-dbbf-4ed5-84cc-2adfdd519240" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aa3e8ae0-a885-4e7d-99e2-9e7c42e00310" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aa3e8ae0-a885-4e7d-99e2-9e7c42e00310" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_28e6c2c2-d0ce-4e8c-b5f8-dbea661030cf" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:to="loc_fbc_MultiFamilyLoanMember_28e6c2c2-d0ce-4e8c-b5f8-dbea661030cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialRealEstateLoansMember_b4a12cd1-5535-42fe-bb7a-5ab9b3640c01" xlink:href="fbc-20231231.xsd#fbc_CommercialRealEstateLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:to="loc_fbc_CommercialRealEstateLoansMember_b4a12cd1-5535-42fe-bb7a-5ab9b3640c01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_d254304d-7ddb-4204-aa6b-03f007cf804e" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_d254304d-7ddb-4204-aa6b-03f007cf804e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_c14fe306-a789-4702-ba77-fae03bbe26b5" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4df9f7b4-1dba-41be-b90f-4a927c9ba7c2" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_c14fe306-a789-4702-ba77-fae03bbe26b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableImpairedLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_20b46d78-dbbf-4ed5-84cc-2adfdd519240" xlink:to="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_292335db-b778-4929-869c-289cb7f99e39" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_292335db-b778-4929-869c-289cb7f99e39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_3fce266b-f466-409b-af8e-7a93a4b51fba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod_3fce266b-f466-409b-af8e-7a93a4b51fba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_86989c0b-b333-4963-a4ad-1feb4d5c3fd6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_86989c0b-b333-4963-a4ad-1feb4d5c3fd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableRelatedAllowance_292f0521-4a51-4dc8-b241-6d19b5014fbd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableRelatedAllowance_292f0521-4a51-4dc8-b241-6d19b5014fbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod_2baa869f-63c7-4086-8323-9e5788c5ebe3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod_2baa869f-63c7-4086-8323-9e5788c5ebe3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestment_4d6ee9b1-056e-405f-8ba8-fc4b6ed64491" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestment"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestment_4d6ee9b1-056e-405f-8ba8-fc4b6ed64491" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_7ea8329e-d0fc-4e06-bff6-b6ffa058aee0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_c05d0bf0-29e6-4059-8e01-3847a5ef54c0" xlink:to="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_7ea8329e-d0fc-4e06-bff6-b6ffa058aee0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesLessorArrangementsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_972428d2-7dc1-4f96-8770-a38ac3882749" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorLeaseDescriptionTable_f9d9fc31-4ab5-4647-bd79-bd7c8487bcf9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorLeaseDescriptionTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_972428d2-7dc1-4f96-8770-a38ac3882749" xlink:to="loc_us-gaap_LessorLeaseDescriptionTable_f9d9fc31-4ab5-4647-bd79-bd7c8487bcf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_cd5a75dc-87b0-466b-95b9-91c14535b77e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LessorLeaseDescriptionTable_f9d9fc31-4ab5-4647-bd79-bd7c8487bcf9" xlink:to="loc_srt_RangeAxis_cd5a75dc-87b0-466b-95b9-91c14535b77e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_21f3072d-7820-432d-865b-49c46ec7e89e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_cd5a75dc-87b0-466b-95b9-91c14535b77e" xlink:to="loc_srt_RangeMember_21f3072d-7820-432d-865b-49c46ec7e89e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_dc73de0b-c827-48bc-a2f2-722482bbd363" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_21f3072d-7820-432d-865b-49c46ec7e89e" xlink:to="loc_srt_MinimumMember_dc73de0b-c827-48bc-a2f2-722482bbd363" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_4708e063-37f7-4e87-8acd-04d1c149ed89" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_21f3072d-7820-432d-865b-49c46ec7e89e" xlink:to="loc_srt_MaximumMember_4708e063-37f7-4e87-8acd-04d1c149ed89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorLeaseDescriptionLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LessorLeaseDescriptionTable_f9d9fc31-4ab5-4647-bd79-bd7c8487bcf9" xlink:to="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LessorDirectFinancingLeaseTermOfContract1_59f14060-02f1-4cf4-900a-cfa254dac99a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LessorDirectFinancingLeaseTermOfContract1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:to="loc_us-gaap_LessorDirectFinancingLeaseTermOfContract1_59f14060-02f1-4cf4-900a-cfa254dac99a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset_c2fee67f-5434-4981-9886-662fc90f1165" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:to="loc_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset_c2fee67f-5434-4981-9886-662fc90f1165" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_1b181831-a436-40eb-ab5e-147219355ef0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LessorLeaseDescriptionLineItems_0dff3b9f-1f3a-4bac-b118-441459610771" xlink:to="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_1b181831-a436-40eb-ab5e-147219355ef0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesComponentsofLeaseIncomeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesComponentsofLeaseIncomeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesComponentsofLeaseIncomeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_161fad0d-ea70-4de3-8de2-81e2a7e77e18" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseInterestIncome_941a045c-8bfc-437d-91bb-cc7ae930da45" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseInterestIncome"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_161fad0d-ea70-4de3-8de2-81e2a7e77e18" xlink:to="loc_us-gaap_DirectFinancingLeaseInterestIncome_941a045c-8bfc-437d-91bb-cc7ae930da45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_fa6f0f16-fcd4-4749-8a20-d6c637dcc9fa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseLeaseReceivable_d46a727d-db5d-4fa9-8370-0919ead51ef9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseLeaseReceivable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_fa6f0f16-fcd4-4749-8a20-d6c637dcc9fa" xlink:to="loc_us-gaap_DirectFinancingLeaseLeaseReceivable_d46a727d-db5d-4fa9-8370-0919ead51ef9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset_f7a51194-f8ce-493f-89c2-9069aeeb30ab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_fa6f0f16-fcd4-4749-8a20-d6c637dcc9fa" xlink:to="loc_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset_f7a51194-f8ce-493f-89c2-9069aeeb30ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_22c24045-4132-4aff-b93b-a80a3d9194bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_fa6f0f16-fcd4-4749-8a20-d6c637dcc9fa" xlink:to="loc_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss_22c24045-4132-4aff-b93b-a80a3d9194bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths_8250ba24-8bf3-4601-a675-a797ef98e6f6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths_8250ba24-8bf3-4601-a675-a797ef98e6f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears_1cb8afd2-9145-4f27-96be-49809218cc5c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears_1cb8afd2-9145-4f27-96be-49809218cc5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears_ce62453c-d633-4433-bb41-0172ea0e7f08" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears_ce62453c-d633-4433-bb41-0172ea0e7f08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears_7e9903e6-64f1-400c-9f11-1a8dfa7cee5c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears_7e9903e6-64f1-400c-9f11-1a8dfa7cee5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears_6f4d67ca-a0f1-40aa-b95b-6e3bc8606355" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears_6f4d67ca-a0f1-40aa-b95b-6e3bc8606355" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter_7dc51830-9dca-40cc-a466-a2b9b5ab0dc2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter_7dc51830-9dca-40cc-a466-a2b9b5ab0dc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_0b3428a5-a6d4-4bf6-962c-57d7f7ac7cc0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived_0b3428a5-a6d4-4bf6-962c-57d7f7ac7cc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts_8f45cac4-07e6-40f0-8e07-5c47e6db134a" xlink:href="fbc-20231231.xsd#fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts_8f45cac4-07e6-40f0-8e07-5c47e6db134a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount_51428a86-fa02-4827-8249-93064cec3fe0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount_51428a86-fa02-4827-8249-93064cec3fe0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment_656a7efa-9e39-4256-8062-b6ce28d17c33" xlink:href="fbc-20231231.xsd#fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment_656a7efa-9e39-4256-8062-b6ce28d17c33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable_72bb6fdb-383d-44ff-afab-710792d13c08" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_29272ee3-1417-4115-bcba-a7c74039c092" xlink:to="loc_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable_72bb6fdb-383d-44ff-afab-710792d13c08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesLeaseArrangementsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesLeaseArrangementsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesLeaseArrangementsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_6ebaf1dd-e25a-4f82-9b4d-9a26d0151d00" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseTermOfContract_e9b03f85-7c03-45a5-aabc-16e110e30f85" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseTermOfContract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_6ebaf1dd-e25a-4f82-9b4d-9a26d0151d00" xlink:to="loc_us-gaap_LesseeOperatingLeaseTermOfContract_e9b03f85-7c03-45a5-aabc-16e110e30f85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesComponentofLeaseExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_d9a0ccf3-0ee3-4bc4-86ad-d71ed2a7b6da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_b109c37c-e0af-4326-9130-c1721323b63a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_d9a0ccf3-0ee3-4bc4-86ad-d71ed2a7b6da" xlink:to="loc_us-gaap_OperatingLeaseCost_b109c37c-e0af-4326-9130-c1721323b63a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost_57797f0e-5041-4613-ac81-bd570a03b922" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_d9a0ccf3-0ee3-4bc4-86ad-d71ed2a7b6da" xlink:to="loc_us-gaap_LeaseCost_57797f0e-5041-4613-ac81-bd570a03b922" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesSupplementalCashFlowInformationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesSupplementalCashFlowInformationDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesSupplementalCashFlowInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_33a0f8cd-1ae2-44d5-9f84-cd5898d326cd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CashFlowLesseeAbstract_555bdb45-709d-47ad-be8d-4a1fc3fd5d62" xlink:href="fbc-20231231.xsd#fbc_CashFlowLesseeAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_33a0f8cd-1ae2-44d5-9f84-cd5898d326cd" xlink:to="loc_fbc_CashFlowLesseeAbstract_555bdb45-709d-47ad-be8d-4a1fc3fd5d62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeasePayments_9c751752-0613-4f31-9d9c-4beba19b952e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeasePayments"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_CashFlowLesseeAbstract_555bdb45-709d-47ad-be8d-4a1fc3fd5d62" xlink:to="loc_us-gaap_OperatingLeasePayments_9c751752-0613-4f31-9d9c-4beba19b952e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesSupplementalBalanceSheetInformationDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_0627ff4f-73c0-49b0-9921-5ffea8db6182" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract_9210fb8e-54d2-48dd-9737-c778ec0d31ce" xlink:href="fbc-20231231.xsd#fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_0627ff4f-73c0-49b0-9921-5ffea8db6182" xlink:to="loc_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract_9210fb8e-54d2-48dd-9737-c778ec0d31ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_01a1c60f-2f98-462f-a76c-d0077de06e06" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract_9210fb8e-54d2-48dd-9737-c778ec0d31ce" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_01a1c60f-2f98-462f-a76c-d0077de06e06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_ca254944-5927-43b4-8ed7-28cce3d6e83c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseRightOfUseAsset_01a1c60f-2f98-462f-a76c-d0077de06e06" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_ca254944-5927-43b4-8ed7-28cce3d6e83c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_2b4a4a17-f9f2-4377-a823-662bf5e58119" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract_9210fb8e-54d2-48dd-9737-c778ec0d31ce" xlink:to="loc_us-gaap_OperatingLeaseLiability_2b4a4a17-f9f2-4377-a823-662bf5e58119" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_bce4d195-5392-4e9c-97c1-1e672a78ca80" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiability_2b4a4a17-f9f2-4377-a823-662bf5e58119" xlink:to="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_bce4d195-5392-4e9c-97c1-1e672a78ca80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_278014a7-8ccb-485e-ae49-b8b040564ae9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract_9210fb8e-54d2-48dd-9737-c778ec0d31ce" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_278014a7-8ccb-485e-ae49-b8b040564ae9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_0175bdb9-7ac6-4fdd-a474-a6355fbd8944" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract_9210fb8e-54d2-48dd-9737-c778ec0d31ce" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_0175bdb9-7ac6-4fdd-a474-a6355fbd8944" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesMaturitiesofLeaseLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_341ebbd5-8921-4754-a018-1ca2fb0152e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_341ebbd5-8921-4754-a018-1ca2fb0152e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_a7493590-63ac-4971-9751-6baa513deee8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_a7493590-63ac-4971-9751-6baa513deee8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_86039c51-9c10-434b-9856-370f05ac4a29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_86039c51-9c10-434b-9856-370f05ac4a29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_a27fa462-1fa1-47bb-b439-98d69768366d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_a27fa462-1fa1-47bb-b439-98d69768366d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_8f5d747b-ed1b-4538-a349-0c5252a8628b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive_8f5d747b-ed1b-4538-a349-0c5252a8628b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_496f246f-2425-4950-9d3c-4815fd067edd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_496f246f-2425-4950-9d3c-4815fd067edd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_28b7f321-28b4-41bb-8f29-b16b30197cb4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_28b7f321-28b4-41bb-8f29-b16b30197cb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_d0f4ee5b-f5f8-46ec-a31c-6489213a2999" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_d0f4ee5b-f5f8-46ec-a31c-6489213a2999" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_702af08d-57a9-498b-ac8c-94239d25412e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_1c9d3712-0f15-43e1-8350-80e0f6505c31" xlink:to="loc_us-gaap_OperatingLeaseLiability_702af08d-57a9-498b-ac8c-94239d25412e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1" xlink:type="simple" xlink:href="fbc-20231231.xsd#LeasesMaturitiesofLeaseLiabilitiesDetails_1"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1" xlink:type="extended"/>
  <link:roleRef roleURI="http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_b2521616-97a3-4e0a-9d7f-cfa91c1cd9af" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_9e2fdaaa-dc4c-4641-be3e-8cd3ff29d85c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_b2521616-97a3-4e0a-9d7f-cfa91c1cd9af" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_9e2fdaaa-dc4c-4641-be3e-8cd3ff29d85c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_ff65afce-900c-4f7e-8d9d-c966dc1b849d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_9e2fdaaa-dc4c-4641-be3e-8cd3ff29d85c" xlink:to="loc_us-gaap_FinancialInstrumentAxis_ff65afce-900c-4f7e-8d9d-c966dc1b849d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2fca00db-3de7-4495-9078-b8b62b2755b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ff65afce-900c-4f7e-8d9d-c966dc1b849d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2fca00db-3de7-4495-9078-b8b62b2755b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_3496f424-7675-4d0b-a61e-468e9c12f187" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FirstMortgageMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2fca00db-3de7-4495-9078-b8b62b2755b3" xlink:to="loc_us-gaap_FirstMortgageMember_3496f424-7675-4d0b-a61e-468e9c12f187" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/netLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_d91bc2a2-2458-45e3-a3d9-9e35f641a41d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_9e2fdaaa-dc4c-4641-be3e-8cd3ff29d85c" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueLineItems_d91bc2a2-2458-45e3-a3d9-9e35f641a41d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmountRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_d91bc2a2-2458-45e3-a3d9-9e35f641a41d" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_b57a8776-19c8-41c7-9441-7c4d929ef0dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_b57a8776-19c8-41c7-9441-7c4d929ef0dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAdditions_14002f7f-edb3-4121-b4a8-dc8ecc42988d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAdditions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAdditions_14002f7f-edb3-4121-b4a8-dc8ecc42988d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueDisposals_82b4a27c-bff7-4dfd-b7d5-dd69f6942ab6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueDisposals"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValueDisposals_82b4a27c-bff7-4dfd-b7d5-dd69f6942ab6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_5757e973-ee5c-461c-b5f9-8299ee26b4a3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_5757e973-ee5c-461c-b5f9-8299ee26b4a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_6e49178f-e520-42a4-a2e9-1936885de1c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_5757e973-ee5c-461c-b5f9-8299ee26b4a3" xlink:to="loc_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_6e49178f-e520-42a4-a2e9-1936885de1c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_e886e925-e3e1-42b0-9b0d-54870b25cc89" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_e886e925-e3e1-42b0-9b0d-54870b25cc89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_33b73568-50e5-4209-ad4c-673dc0719c08" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmountRollForward_56a0967e-ac4e-42e5-8820-df71c8a096e9" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_33b73568-50e5-4209-ad4c-673dc0719c08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_a44d2b49-99cd-4b4a-8287-dc1859177d14" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_80eb5d0c-4e8c-4666-999a-0d771566bd5f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_a44d2b49-99cd-4b4a-8287-dc1859177d14" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_80eb5d0c-4e8c-4666-999a-0d771566bd5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_c2387711-531e-4e92-9b5b-16688e1d3720" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_80eb5d0c-4e8c-4666-999a-0d771566bd5f" xlink:to="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_c2387711-531e-4e92-9b5b-16688e1d3720" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_e39b301d-4f23-446c-bb15-fe70f8ac98f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_c2387711-531e-4e92-9b5b-16688e1d3720" xlink:to="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_e39b301d-4f23-446c-bb15-fe70f8ac98f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMember_e3548c37-7c33-49bf-8d0c-d7e94c0499d0" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_e39b301d-4f23-446c-bb15-fe70f8ac98f9" xlink:to="loc_fbc_MortgageServicingRightsMember_e3548c37-7c33-49bf-8d0c-d7e94c0499d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_80eb5d0c-4e8c-4666-999a-0d771566bd5f" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisActualAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:to="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent_1aad6fd5-41b3-44ff-86eb-18412d85fee3" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:to="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent_1aad6fd5-41b3-44ff-86eb-18412d85fee3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent_66210d5d-2e74-4999-baa2-8340530e540c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent_66210d5d-2e74-4999-baa2-8340530e540c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan_262ba7d3-e5be-46c4-a8b3-eb53ef607b9a" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_SensitivityAnalysisActualAbstract_5759110f-79a7-488a-897c-66b88bfbdd35" xlink:to="loc_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan_262ba7d3-e5be-46c4-a8b3-eb53ef607b9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisAdverseChangeTranche1Abstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:to="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread_c86ce988-0c7f-49a5-b998-8e5643a4877c" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:to="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread_c86ce988-0c7f-49a5-b998-8e5643a4877c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_67910510-6b2d-4335-a982-675c2523c96b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_67910510-6b2d-4335-a982-675c2523c96b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption_a821e68f-1bdb-452e-a7fc-ded61ad1b259" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract_8efb497e-ba83-468a-bef8-1914b99990d8" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption_a821e68f-1bdb-452e-a7fc-ded61ad1b259" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisAdverseChangeTranche2Abstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_44fa6b01-ca1d-4822-bf74-d3150a236756" xlink:to="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread_67f86b76-e978-48d9-9f51-98bfa0e0b442" xlink:href="fbc-20231231.xsd#fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:to="loc_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread_67f86b76-e978-48d9-9f51-98bfa0e0b442" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_55999770-84e8-4e34-8a57-03c293340728" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed_55999770-84e8-4e34-8a57-03c293340728" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption_6addff63-de4c-438e-8a3d-605f6e55cecb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract_186535a6-19c9-4cde-977e-502a118d320b" xlink:to="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption_6addff63-de4c-438e-8a3d-605f6e55cecb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#MortgageServicingRightsSummaryofIncomeandFeesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract_2e1de6bb-7fbc-4370-a4ab-299b89914d2c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueTable_de891627-38a5-4281-852f-43eb3f13f254" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingAbstract_2e1de6bb-7fbc-4370-a4ab-299b89914d2c" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueTable_de891627-38a5-4281-852f-43eb3f13f254" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_4617b6fd-1064-42d9-87c4-72a29be76276" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_de891627-38a5-4281-852f-43eb3f13f254" xlink:to="loc_us-gaap_FinancialInstrumentAxis_4617b6fd-1064-42d9-87c4-72a29be76276" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_25059037-90ba-4fba-8ad3-2428417efe74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_4617b6fd-1064-42d9-87c4-72a29be76276" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_25059037-90ba-4fba-8ad3-2428417efe74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FirstMortgageMember_6302a713-d1a5-42a1-9956-407930d7de0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FirstMortgageMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_25059037-90ba-4fba-8ad3-2428417efe74" xlink:to="loc_us-gaap_FirstMortgageMember_6302a713-d1a5-42a1-9956-407930d7de0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FDICServicedLoansMember_21298c11-5d06-4f8b-9915-6abef4e07088" xlink:href="fbc-20231231.xsd#fbc_FDICServicedLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_25059037-90ba-4fba-8ad3-2428417efe74" xlink:to="loc_fbc_FDICServicedLoansMember_21298c11-5d06-4f8b-9915-6abef4e07088" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_fa924019-1e65-461c-ace8-25b522357e0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_de891627-38a5-4281-852f-43eb3f13f254" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_fa924019-1e65-461c-ace8-25b522357e0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_9008190b-e6b0-485c-8f32-e0d1982260b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_fa924019-1e65-461c-ace8-25b522357e0a" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_9008190b-e6b0-485c-8f32-e0d1982260b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetLoanAdministrationIncomeMember_df27cd6f-cdbf-4e97-8358-8a96e3d99147" xlink:href="fbc-20231231.xsd#fbc_NetLoanAdministrationIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_9008190b-e6b0-485c-8f32-e0d1982260b3" xlink:to="loc_fbc_NetLoanAdministrationIncomeMember_df27cd6f-cdbf-4e97-8358-8a96e3d99147" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetsAtFairValueLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueTable_de891627-38a5-4281-852f-43eb3f13f254" xlink:to="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_e2632889-78ff-4dfa-830f-a40a14cc4b0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets_e2632889-78ff-4dfa-830f-a40a14cc4b0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_be4aa234-0810-40e7-bd30-f478b43e2690" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue_be4aa234-0810-40e7-bd30-f478b43e2690" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_d22ef0f7-5e7f-431f-8bff-81c8367ba7da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease_d22ef0f7-5e7f-431f-8bff-81c8367ba7da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnOilAndGasHedgingActivity_e0363b9b-c4a6-4b1c-808a-7c42a2628a63" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnOilAndGasHedgingActivity"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_GainLossOnOilAndGasHedgingActivity_e0363b9b-c4a6-4b1c-808a-7c42a2628a63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ServicingAssetatFairValueNetTransactionCosts_1bf2cf8a-c1e2-4666-92be-5d659bc70cc1" xlink:href="fbc-20231231.xsd#fbc_ServicingAssetatFairValueNetTransactionCosts"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_fbc_ServicingAssetatFairValueNetTransactionCosts_1bf2cf8a-c1e2-4666-92be-5d659bc70cc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_3f9973f5-d0c7-4b51-836f-24eaf097c126" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageServicingRightsMSRImpairmentRecovery"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_us-gaap_MortgageServicingRightsMSRImpairmentRecovery_3f9973f5-d0c7-4b51-836f-24eaf097c126" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances_e1b2549a-281d-4010-a347-afc98887ea19" xlink:href="fbc-20231231.xsd#fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances_e1b2549a-281d-4010-a347-afc98887ea19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount_8b3203a5-2443-4f51-b7c4-4f533bf0e222" xlink:href="fbc-20231231.xsd#fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount_8b3203a5-2443-4f51-b7c4-4f533bf0e222" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubservicingAssetatFairValueIncomeAmount_a3fcade5-ed8e-459a-9d9a-19287a793be7" xlink:href="fbc-20231231.xsd#fbc_SubservicingAssetatFairValueIncomeAmount"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ServicingAssetsAtFairValueLineItems_b3d524e5-7e69-465e-af38-93fc17e8e90f" xlink:to="loc_fbc_SubservicingAssetatFairValueIncomeAmount_a3fcade5-ed8e-459a-9d9a-19287a793be7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/VariableInterestEntitiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#VariableInterestEntitiesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/VariableInterestEntitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_850aa2eb-12d5-4abd-9fbe-9725f26bba8b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_cdfcd115-0928-4d4b-8018-f84d05f02ffc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_850aa2eb-12d5-4abd-9fbe-9725f26bba8b" xlink:to="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_cdfcd115-0928-4d4b-8018-f84d05f02ffc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_57c3ea12-4370-43ee-aa21-f17804719896" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_cdfcd115-0928-4d4b-8018-f84d05f02ffc" xlink:to="loc_us-gaap_FinancialInstrumentAxis_57c3ea12-4370-43ee-aa21-f17804719896" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_55bf0289-6960-4ec1-a420-360464702e32" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_57c3ea12-4370-43ee-aa21-f17804719896" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_55bf0289-6960-4ec1-a420-360464702e32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_7abe63ad-6a1c-4b7b-8b5b-1203f75ca943" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_55bf0289-6960-4ec1-a420-360464702e32" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_7abe63ad-6a1c-4b7b-8b5b-1203f75ca943" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_65fc5fe6-fe08-40d2-8198-793821829f78" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_cdfcd115-0928-4d4b-8018-f84d05f02ffc" xlink:to="loc_srt_ConsolidatedEntitiesAxis_65fc5fe6-fe08-40d2-8198-793821829f78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_df64bb59-f4e9-461a-880d-7521b0ecce25" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_65fc5fe6-fe08-40d2-8198-793821829f78" xlink:to="loc_srt_ConsolidatedEntitiesDomain_df64bb59-f4e9-461a-880d-7521b0ecce25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_41562c64-5842-4969-8de4-85d11cf5c3e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_df64bb59-f4e9-461a-880d-7521b0ecce25" xlink:to="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_41562c64-5842-4969-8de4-85d11cf5c3e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable_cdfcd115-0928-4d4b-8018-f84d05f02ffc" xlink:to="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_VariableInterestEntityNumberofEntities_97c54925-8eb8-49e0-a79f-8607c1aa43e5" xlink:href="fbc-20231231.xsd#fbc_VariableInterestEntityNumberofEntities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:to="loc_fbc_VariableInterestEntityNumberofEntities_97c54925-8eb8-49e0-a79f-8607c1aa43e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityOwnershipPercentage_2680aab7-40de-467b-a278-7661b539428e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableInterestEntityOwnershipPercentage"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:to="loc_us-gaap_VariableInterestEntityOwnershipPercentage_2680aab7-40de-467b-a278-7661b539428e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_5aa4f437-24f0-487e-806c-238984b09fa1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems_5d6c9a42-9163-4144-8fb9-01791896a322" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_5aa4f437-24f0-487e-806c-238984b09fa1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsBreakdownofborrowedfundsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_df1264ae-46dc-4510-8cf0-5fb6b82559f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_6270b4c0-4ffc-4091-abea-473041e91be8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_df1264ae-46dc-4510-8cf0-5fb6b82559f0" xlink:to="loc_us-gaap_DebtInstrumentTable_6270b4c0-4ffc-4091-abea-473041e91be8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_198f6c13-33aa-48f0-a0f6-97e12052548b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6270b4c0-4ffc-4091-abea-473041e91be8" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_198f6c13-33aa-48f0-a0f6-97e12052548b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_198f6c13-33aa-48f0-a0f6-97e12052548b" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_259d2cfe-eb3b-46b9-b2be-bc4958a03696" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:to="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_259d2cfe-eb3b-46b9-b2be-bc4958a03696" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_e18ab3fb-f1c8-427e-bdfe-189f35f0de4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_259d2cfe-eb3b-46b9-b2be-bc4958a03696" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_e18ab3fb-f1c8-427e-bdfe-189f35f0de4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalReserveBankAdvancesMember_85bb5771-1e42-49bf-ab6f-426d4203e2e9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalReserveBankAdvancesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_259d2cfe-eb3b-46b9-b2be-bc4958a03696" xlink:to="loc_us-gaap_FederalReserveBankAdvancesMember_85bb5771-1e42-49bf-ab6f-426d4203e2e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebtMember_3fc51f66-470c-4431-a5ec-a62a700418b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebtMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:to="loc_us-gaap_JuniorSubordinatedDebtMember_3fc51f66-470c-4431-a5ec-a62a700418b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebtMember_b80a0228-1570-4906-a10d-61dec03e3fdc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebtMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_5c8a795d-6ebc-41a2-bd55-173e388c4429" xlink:to="loc_us-gaap_SubordinatedDebtMember_b80a0228-1570-4906-a10d-61dec03e3fdc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_9e135490-9b07-4938-8afd-0c569c51992f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6270b4c0-4ffc-4091-abea-473041e91be8" xlink:to="loc_us-gaap_DebtInstrumentLineItems_9e135490-9b07-4938-8afd-0c569c51992f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_2eb60662-36d0-4cde-95fe-57fac26d0c0e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_9e135490-9b07-4938-8afd-0c569c51992f" xlink:to="loc_us-gaap_LongTermDebt_2eb60662-36d0-4cde-95fe-57fac26d0c0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BorrowedFundsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_b3b4ddac-13ea-443d-909a-683c9720d09f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_b3b4ddac-13ea-443d-909a-683c9720d09f" xlink:to="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_dc220a57-25c3-4bde-9d81-521da8bfdd56" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_srt_RestatementAxis_dc220a57-25c3-4bde-9d81-521da8bfdd56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_38afb459-0cc0-408f-99ef-2c70898d94ad" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementAxis_dc220a57-25c3-4bde-9d81-521da8bfdd56" xlink:to="loc_srt_RestatementDomain_38afb459-0cc0-408f-99ef-2c70898d94ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_c9efc33f-c8dc-4343-80e3-e48654b2e72f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementDomain_38afb459-0cc0-408f-99ef-2c70898d94ad" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_c9efc33f-c8dc-4343-80e3-e48654b2e72f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_9ccfce1d-60a6-4ef9-bb8e-de3f2eaba72b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_9ccfce1d-60a6-4ef9-bb8e-de3f2eaba72b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_24d5c05d-fc87-491b-8aed-af37738bcfeb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_9ccfce1d-60a6-4ef9-bb8e-de3f2eaba72b" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_24d5c05d-fc87-491b-8aed-af37738bcfeb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_88d53e8e-fbc9-417b-b0ed-c4da0052ebe9" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_24d5c05d-fc87-491b-8aed-af37738bcfeb" xlink:to="loc_fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember_88d53e8e-fbc9-417b-b0ed-c4da0052ebe9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_24895cd3-ba28-463a-a0a9-57ddd566d48c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_24d5c05d-fc87-491b-8aed-af37738bcfeb" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_24895cd3-ba28-463a-a0a9-57ddd566d48c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightAxis_651f30be-5677-4553-8627-ece49f2f3f2e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_us-gaap_ClassOfWarrantOrRightAxis_651f30be-5677-4553-8627-ece49f2f3f2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain_462ae9b7-8071-43a6-b089-a6e9d32fc872" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis_651f30be-5677-4553-8627-ece49f2f3f2e" xlink:to="loc_us-gaap_ClassOfWarrantOrRightDomain_462ae9b7-8071-43a6-b089-a6e9d32fc872" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BONUSESUnitsMember_6dd224fa-6bbf-4f79-98ab-95c3cb819a7d" xlink:href="fbc-20231231.xsd#fbc_BONUSESUnitsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain_462ae9b7-8071-43a6-b089-a6e9d32fc872" xlink:to="loc_fbc_BONUSESUnitsMember_6dd224fa-6bbf-4f79-98ab-95c3cb819a7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_6e0851d4-7d48-4e1c-b951-798efcbafe0f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_6e0851d4-7d48-4e1c-b951-798efcbafe0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_f25d16a8-f932-4886-8ee6-c408245fea4b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_6e0851d4-7d48-4e1c-b951-798efcbafe0f" xlink:to="loc_us-gaap_EquityComponentDomain_f25d16a8-f932-4886-8ee6-c408245fea4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_f93e909e-167c-4ca6-b4ab-aeb35ba69fd0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_f25d16a8-f932-4886-8ee6-c408245fea4b" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_f93e909e-167c-4ca6-b4ab-aeb35ba69fd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_6e98d0f7-026e-4a37-967c-eebdb43310f2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_us-gaap_DebtInstrumentAxis_6e98d0f7-026e-4a37-967c-eebdb43310f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_4a4e74b5-eae9-449e-bd7a-87c776e988dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_6e98d0f7-026e-4a37-967c-eebdb43310f2" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_4a4e74b5-eae9-449e-bd7a-87c776e988dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_6cd45ac9-59fb-459d-9ffa-5d8be5fb050e" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_4a4e74b5-eae9-449e-bd7a-87c776e988dc" xlink:to="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_6cd45ac9-59fb-459d-9ffa-5d8be5fb050e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_550ed6fc-df96-47ae-b384-3242bba6e52e" xlink:to="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_774d6f3e-b7c2-4658-8fe5-e7e6dbf67a5b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_774d6f3e-b7c2-4658-8fe5-e7e6dbf67a5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_0b2da9f5-083c-4c76-8b62-4e3e2fc65d81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_0b2da9f5-083c-4c76-8b62-4e3e2fc65d81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_0c843be7-bc93-4e03-97b1-3bf1927d6658" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_LongTermDebt_0c843be7-bc93-4e03-97b1-3bf1927d6658" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd_d633edca-42e9-4174-9616-bf584a3bdf57" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd_d633edca-42e9-4174-9616-bf584a3bdf57" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear_328bc17b-3744-48f4-826c-8cea5efd1882" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear_328bc17b-3744-48f4-826c-8cea5efd1882" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding_31f21f70-611d-44c9-b9d8-9e29ae803470" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding_31f21f70-611d-44c9-b9d8-9e29ae803470" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_917ef4f0-c8ae-4f1c-9aa7-b2ca884322c6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_917ef4f0-c8ae-4f1c-9aa7-b2ca884322c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepurchaseAgreementsInterestExpenseAmount_217a60c2-d3c6-4d9c-8e54-1f1fceeee65d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RepurchaseAgreementsInterestExpenseAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_RepurchaseAgreementsInterestExpenseAmount_217a60c2-d3c6-4d9c-8e54-1f1fceeee65d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalFundsPurchasedAverageAmountOutstanding_da4de67a-7b31-42a3-ad9a-e2c4c57f2eb7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalFundsPurchasedAverageAmountOutstanding"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalFundsPurchasedAverageAmountOutstanding_da4de67a-7b31-42a3-ad9a-e2c4c57f2eb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_FederalFundsPurchasedAverageRatePaid_c5f5a6f7-37c7-45c7-ad54-97caef68c6db" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_FederalFundsPurchasedAverageRatePaid"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_srt_FederalFundsPurchasedAverageRatePaid_c5f5a6f7-37c7-45c7-ad54-97caef68c6db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalFundsPurchased_58a68a4f-9c04-4ced-871d-84fb393119c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseFederalFundsPurchased"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_InterestExpenseFederalFundsPurchased_58a68a4f-9c04-4ced-871d-84fb393119c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_c726f3fb-5ffb-4b68-bae0-38b1760ba858" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_c726f3fb-5ffb-4b68-bae0-38b1760ba858" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_94250f4f-5ec0-4d2f-ba0d-96995dd1f49b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_94250f4f-5ec0-4d2f-ba0d-96995dd1f49b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightOutstanding_cb6056e4-4398-483f-afee-19cdc6b2a2de" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightOutstanding"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_ClassOfWarrantOrRightOutstanding_cb6056e4-4398-483f-afee-19cdc6b2a2de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_0be49485-9a5c-49a3-a3ea-695dfd1b1af2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_0be49485-9a5c-49a3-a3ea-695dfd1b1af2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_ecf59a59-2119-4655-9862-c553a0fde315" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_ecf59a59-2119-4655-9862-c553a0fde315" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstandingTerm_b54d6457-8082-4763-9e85-55f031ad4684" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantsAndRightsOutstandingTerm"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_WarrantsAndRightsOutstandingTerm_b54d6457-8082-4763-9e85-55f031ad4684" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare_bb4543ec-240f-4e1c-bbf7-61effc92bbdd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare_bb4543ec-240f-4e1c-bbf7-61effc92bbdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WarrantsAndRightsOutstandingNoncallableTerm_8f2241de-52e7-489c-9717-98dc7b7ac246" xlink:href="fbc-20231231.xsd#fbc_WarrantsAndRightsOutstandingNoncallableTerm"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_fbc_WarrantsAndRightsOutstandingNoncallableTerm_8f2241de-52e7-489c-9717-98dc7b7ac246" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstanding_9fb26498-03c9-45ab-a9df-1664eac9297b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantsAndRightsOutstanding"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_WarrantsAndRightsOutstanding_9fb26498-03c9-45ab-a9df-1664eac9297b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued_a54a7e3f-53ec-46e2-888b-13506207ffe0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued_a54a7e3f-53ec-46e2-888b-13506207ffe0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares_5411d95e-cef8-4586-b97a-b0cbb581ca71" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares_5411d95e-cef8-4586-b97a-b0cbb581ca71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm_9f6e8d22-e8ee-41a7-9e82-c78c8209bcda" xlink:href="fbc-20231231.xsd#fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm_9f6e8d22-e8ee-41a7-9e82-c78c8209bcda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_68fd699f-1e90-4bc6-9104-ac4691c1b665" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_68fd699f-1e90-4bc6-9104-ac4691c1b665" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_JuniorSubordinatedDebenturesDividendsTerm_55c4d215-53a2-47d5-99f6-211404dd807a" xlink:href="fbc-20231231.xsd#fbc_JuniorSubordinatedDebenturesDividendsTerm"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_fbc_JuniorSubordinatedDebenturesDividendsTerm_55c4d215-53a2-47d5-99f6-211404dd807a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseJuniorSubordinatedDebentures_11e5b855-00af-4518-970f-d5b0b2c6cff6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseJuniorSubordinatedDebentures"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_InterestExpenseJuniorSubordinatedDebentures_11e5b855-00af-4518-970f-d5b0b2c6cff6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_81a6f26e-af23-45fb-ac0f-615ca5fdf018" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_SubordinatedDebt_81a6f26e-af23-45fb-ac0f-615ca5fdf018" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate_c7843aef-0c9c-4e31-9a78-c5b79be3084c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate_c7843aef-0c9c-4e31-9a78-c5b79be3084c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WarrantOrRightCouponRate_7b5b4f19-fe2e-4f2d-b48b-32418704dd8f" xlink:href="fbc-20231231.xsd#fbc_WarrantOrRightCouponRate"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_6160f9db-27c7-4da1-a812-f57ab4dd6d30" xlink:to="loc_fbc_WarrantOrRightCouponRate_7b5b4f19-fe2e-4f2d-b48b-32418704dd8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsAdvancesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsAdvancesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BorrowedFundsAdvancesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_c7f6c751-573a-4f83-bd1d-fa2ae5bbe706" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract_0b81704e-3d06-45d9-bc90-270491934bc9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_c7f6c751-573a-4f83-bd1d-fa2ae5bbe706" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract_0b81704e-3d06-45d9-bc90-270491934bc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_edeb3046-f27c-4520-b611-89309d0f6fe2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract_0b81704e-3d06-45d9-bc90-270491934bc9" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_edeb3046-f27c-4520-b611-89309d0f6fe2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_43fcb15d-e7aa-4b81-b349-cac1206bacca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_edeb3046-f27c-4520-b611-89309d0f6fe2" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_43fcb15d-e7aa-4b81-b349-cac1206bacca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_07c21ed0-fcf6-42ea-a6c4-1af4bf7e342f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_edeb3046-f27c-4520-b611-89309d0f6fe2" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_07c21ed0-fcf6-42ea-a6c4-1af4bf7e342f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_38ada3d6-f928-41eb-8b73-ebd6680cc35c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_edeb3046-f27c-4520-b611-89309d0f6fe2" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_38ada3d6-f928-41eb-8b73-ebd6680cc35c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_baacaf41-e3b1-4a31-b882-8be9f0c29c0e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_edeb3046-f27c-4520-b611-89309d0f6fe2" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_baacaf41-e3b1-4a31-b882-8be9f0c29c0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_dc9ccb36-1ada-4e25-885b-d961222d824f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_edeb3046-f27c-4520-b611-89309d0f6fe2" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_dc9ccb36-1ada-4e25-885b-d961222d824f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_88eb4df9-1390-41d9-b70f-4b250a65ac32" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_edeb3046-f27c-4520-b611-89309d0f6fe2" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_88eb4df9-1390-41d9-b70f-4b250a65ac32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_c360e43d-e1b5-4ada-95fd-1de78bbcc982" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract_edeb3046-f27c-4520-b611-89309d0f6fe2" xlink:to="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_c360e43d-e1b5-4ada-95fd-1de78bbcc982" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_8d86e85a-abb9-489d-a94f-8fac8fd9c389" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract_0b81704e-3d06-45d9-bc90-270491934bc9" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_8d86e85a-abb9-489d-a94f-8fac8fd9c389" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_9da7967a-6b8b-4cab-a0b1-67d8993d881d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_8d86e85a-abb9-489d-a94f-8fac8fd9c389" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_9da7967a-6b8b-4cab-a0b1-67d8993d881d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_93bdef57-8bd8-49b3-8ebb-2a2d46848b28" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_8d86e85a-abb9-489d-a94f-8fac8fd9c389" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate_93bdef57-8bd8-49b3-8ebb-2a2d46848b28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_b59b6342-7a5e-463c-9b41-5a6b1a4ac3b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_8d86e85a-abb9-489d-a94f-8fac8fd9c389" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_b59b6342-7a5e-463c-9b41-5a6b1a4ac3b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate_f8b7d8f9-9a97-4dd7-aa93-4fec2ed31dba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_8d86e85a-abb9-489d-a94f-8fac8fd9c389" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate_f8b7d8f9-9a97-4dd7-aa93-4fec2ed31dba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate_8aaed7d5-e374-4141-b485-aa79e7689034" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_8d86e85a-abb9-489d-a94f-8fac8fd9c389" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate_8aaed7d5-e374-4141-b485-aa79e7689034" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate_88109f95-a81e-4a2c-98e1-d00a2426c479" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract_8d86e85a-abb9-489d-a94f-8fac8fd9c389" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate_88109f95-a81e-4a2c-98e1-d00a2426c479" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract_9f59e89c-585b-4e39-82b9-422b332b67fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_c7f6c751-573a-4f83-bd1d-fa2ae5bbe706" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract_9f59e89c-585b-4e39-82b9-422b332b67fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_b3ba9f11-ed68-4aba-aadc-388dba3f1674" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract_9f59e89c-585b-4e39-82b9-422b332b67fc" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_b3ba9f11-ed68-4aba-aadc-388dba3f1674" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths_2ae9e454-1cf5-42f1-9b43-8baee54c76ab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_b3ba9f11-ed68-4aba-aadc-388dba3f1674" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths_2ae9e454-1cf5-42f1-9b43-8baee54c76ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo_449d5610-eb37-417a-bd54-5adf776489b7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_b3ba9f11-ed68-4aba-aadc-388dba3f1674" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo_449d5610-eb37-417a-bd54-5adf776489b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree_fb760a27-327f-4a51-a429-294a7e49cffe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_b3ba9f11-ed68-4aba-aadc-388dba3f1674" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree_fb760a27-327f-4a51-a429-294a7e49cffe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour_68908be6-f41a-45fb-add2-7c9750d1f63b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_b3ba9f11-ed68-4aba-aadc-388dba3f1674" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour_68908be6-f41a-45fb-add2-7c9750d1f63b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive_942d45ba-00e1-4968-8bfa-c976833ee367" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_b3ba9f11-ed68-4aba-aadc-388dba3f1674" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive_942d45ba-00e1-4968-8bfa-c976833ee367" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive_58521679-6f7c-4aff-967b-a7d163ddfd0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_b3ba9f11-ed68-4aba-aadc-388dba3f1674" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive_58521679-6f7c-4aff-967b-a7d163ddfd0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_444c5b55-694d-427d-8a93-2fe4b18a3499" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesParValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract_b3ba9f11-ed68-4aba-aadc-388dba3f1674" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesParValue_444c5b55-694d-427d-8a93-2fe4b18a3499" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_193796d9-ab81-43b3-bedf-e970e495dbd7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract_9f59e89c-585b-4e39-82b9-422b332b67fc" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_193796d9-ab81-43b3-bedf-e970e495dbd7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths_918c504f-225e-4173-aa11-5e6cbeff7fcb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_193796d9-ab81-43b3-bedf-e970e495dbd7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths_918c504f-225e-4173-aa11-5e6cbeff7fcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo_0e509409-1257-4301-b120-afac013ffb70" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_193796d9-ab81-43b3-bedf-e970e495dbd7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo_0e509409-1257-4301-b120-afac013ffb70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree_c06132db-8c8f-4ad3-9500-282d8c31dfb7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_193796d9-ab81-43b3-bedf-e970e495dbd7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree_c06132db-8c8f-4ad3-9500-282d8c31dfb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour_4d00a2e0-82d9-419f-99c6-84c7f5f93ce7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_193796d9-ab81-43b3-bedf-e970e495dbd7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour_4d00a2e0-82d9-419f-99c6-84c7f5f93ce7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive_2806c0f9-80ad-4761-acdc-7ad6d91eff25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_193796d9-ab81-43b3-bedf-e970e495dbd7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive_2806c0f9-80ad-4761-acdc-7ad6d91eff25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive_5afe9a4f-9dd0-4f7f-9c20-236d4f72d0c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract_193796d9-ab81-43b3-bedf-e970e495dbd7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive_5afe9a4f-9dd0-4f7f-9c20-236d4f72d0c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsJuniorSubordinatedDebenturesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_e6345c1e-0f46-4328-ae61-f76a18834d18" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_e6345c1e-0f46-4328-ae61-f76a18834d18" xlink:to="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_41bcc1de-3229-49f4-bd5f-62cd2e726a0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:to="loc_us-gaap_DebtInstrumentAxis_41bcc1de-3229-49f4-bd5f-62cd2e726a0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_41bcc1de-3229-49f4-bd5f-62cd2e726a0a" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_0d2cc124-2930-4c56-8d5f-f0245848661a" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember_0d2cc124-2930-4c56-8d5f-f0245848661a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustXMember_82677ae8-38df-49ea-bc1f-b6b7303b594a" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustXMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_NewYorkCommunityCapitalTrustXMember_82677ae8-38df-49ea-bc1f-b6b7303b594a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PennFedCapitalTrustIIIMember_7c049e69-fd7c-4b51-a172-f3864c7c743a" xlink:href="fbc-20231231.xsd#fbc_PennFedCapitalTrustIIIMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_PennFedCapitalTrustIIIMember_7c049e69-fd7c-4b51-a172-f3864c7c743a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NewYorkCommunityCapitalTrustXIMember_86771b8e-26cf-4ac2-8670-f1fc63915a07" xlink:href="fbc-20231231.xsd#fbc_NewYorkCommunityCapitalTrustXIMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_NewYorkCommunityCapitalTrustXIMember_86771b8e-26cf-4ac2-8670-f1fc63915a07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIIMember_e1d574d9-43fe-4748-866b-908334a05286" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIIMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustIIMember_e1d574d9-43fe-4748-866b-908334a05286" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIIIMember_fdd10f85-5eef-4722-86a7-45d5bf2c5bb5" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIIIMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustIIIMember_fdd10f85-5eef-4722-86a7-45d5bf2c5bb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIVMember_0240ef5f-2adc-4918-babe-5e704ae5648e" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIVMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustIVMember_0240ef5f-2adc-4918-babe-5e704ae5648e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVMember_428bcbfa-60a4-41de-b31c-1f4aa03ae755" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustVMember_428bcbfa-60a4-41de-b31c-1f4aa03ae755" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVIMember_5572f1ea-ac1d-4941-949b-de887f2fd195" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVIMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustVIMember_5572f1ea-ac1d-4941-949b-de887f2fd195" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVIIMember_9a5b6b86-bd6f-4d96-b35e-7068ce304686" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVIIMember"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustVIIMember_9a5b6b86-bd6f-4d96-b35e-7068ce304686" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustVIIIMember_34bb1e9a-a7c4-4f20-85e0-9793bfd975c3" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustVIIIMember"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustVIIIMember_34bb1e9a-a7c4-4f20-85e0-9793bfd975c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustIXMember_138641a2-e2ad-4f52-89d3-7068431e2392" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustIXMember"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustIXMember_138641a2-e2ad-4f52-89d3-7068431e2392" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarStatutoryTrustXMember_f8b33d02-f9d9-4c11-9855-d866b562b0e3" xlink:href="fbc-20231231.xsd#fbc_FlagstarStatutoryTrustXMember"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_f20de568-4f4d-472c-91e5-c97e30d48abf" xlink:to="loc_fbc_FlagstarStatutoryTrustXMember_f8b33d02-f9d9-4c11-9855-d866b562b0e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_51fbce01-722e-4aaf-beb0-02f7e20d7016" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:to="loc_srt_RestatementAxis_51fbce01-722e-4aaf-beb0-02f7e20d7016" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_fd3906f1-6f95-44f4-a415-597187108617" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementAxis_51fbce01-722e-4aaf-beb0-02f7e20d7016" xlink:to="loc_srt_RestatementDomain_fd3906f1-6f95-44f4-a415-597187108617" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_d4312055-ca08-4592-90a1-90f59ce22514" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementDomain_fd3906f1-6f95-44f4-a415-597187108617" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_d4312055-ca08-4592-90a1-90f59ce22514" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_8bd6fb28-28d2-44a9-b7d4-b073b813bf5c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_8bd6fb28-28d2-44a9-b7d4-b073b813bf5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_bee5c776-e6bd-45b7-8812-09f7dfa1f75e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_8bd6fb28-28d2-44a9-b7d4-b073b813bf5c" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_bee5c776-e6bd-45b7-8812-09f7dfa1f75e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FlagstarBancorpMember_c40a62b4-2f70-4f3d-9967-c0afd545cbb9" xlink:href="fbc-20231231.xsd#fbc_FlagstarBancorpMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_bee5c776-e6bd-45b7-8812-09f7dfa1f75e" xlink:to="loc_fbc_FlagstarBancorpMember_c40a62b4-2f70-4f3d-9967-c0afd545cbb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_6b2bbe2e-b220-434a-aa02-2c35c3f18dda" xlink:to="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_0ad894b5-203e-4520-be4a-55d9b2568d00" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_0ad894b5-203e-4520-be4a-55d9b2568d00" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_29187b77-58c4-4e2c-b173-381c43f1157c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_29187b77-58c4-4e2c-b173-381c43f1157c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_e6216fe5-484d-46f8-a47a-b9154bc3d22f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount_e6216fe5-484d-46f8-a47a-b9154bc3d22f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_9605ad0c-2f27-4d48-916f-fcdc5233437f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities_9605ad0c-2f27-4d48-916f-fcdc5233437f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_d8f5b685-2415-4020-b851-154fd1a315f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_a8afc7af-0e08-43b3-b16f-e82eb2e99893" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_d8f5b685-2415-4020-b851-154fd1a315f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#BorrowedFundsSubordinatedNotesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract_dd65d74e-0417-48df-992d-d383f7fc4b4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtDisclosureAbstract_dd65d74e-0417-48df-992d-d383f7fc4b4e" xlink:to="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis_4783be28-d41d-4fef-b18e-149f44a44738" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:to="loc_us-gaap_DebtInstrumentAxis_4783be28-d41d-4fef-b18e-149f44a44738" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain_7cd4d531-fce5-44f2-bf67-75244868c9c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentAxis_4783be28-d41d-4fef-b18e-149f44a44738" xlink:to="loc_us-gaap_DebtInstrumentNameDomain_7cd4d531-fce5-44f2-bf67-75244868c9c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubordinatedNotesMaturingIn2028Member_31659d8a-e9ab-453c-b5a2-17e9c0b66b40" xlink:href="fbc-20231231.xsd#fbc_SubordinatedNotesMaturingIn2028Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_7cd4d531-fce5-44f2-bf67-75244868c9c1" xlink:to="loc_fbc_SubordinatedNotesMaturingIn2028Member_31659d8a-e9ab-453c-b5a2-17e9c0b66b40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SubordinatedNotesMaturingIn2030Member_17eea4ab-7424-4d07-9034-adc3bf711216" xlink:href="fbc-20231231.xsd#fbc_SubordinatedNotesMaturingIn2030Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentNameDomain_7cd4d531-fce5-44f2-bf67-75244868c9c1" xlink:to="loc_fbc_SubordinatedNotesMaturingIn2030Member_17eea4ab-7424-4d07-9034-adc3bf711216" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_85d6fa48-2977-48c5-8bcc-1fe0de5ca73d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_85d6fa48-2977-48c5-8bcc-1fe0de5ca73d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_b7956494-22f8-47ea-bf16-c2f1dc5d1de9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_85d6fa48-2977-48c5-8bcc-1fe0de5ca73d" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_b7956494-22f8-47ea-bf16-c2f1dc5d1de9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebtMember_ce92a82d-74a9-42ad-bb43-1ada1842a6fe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebtMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_b7956494-22f8-47ea-bf16-c2f1dc5d1de9" xlink:to="loc_us-gaap_SubordinatedDebtMember_ce92a82d-74a9-42ad-bb43-1ada1842a6fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_2fee813b-239b-4cdc-af18-ac58c1b71778" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:to="loc_us-gaap_VariableRateAxis_2fee813b-239b-4cdc-af18-ac58c1b71778" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_2df5b801-1bf9-423d-bd9b-754840711034" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableRateDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateAxis_2fee813b-239b-4cdc-af18-ac58c1b71778" xlink:to="loc_us-gaap_VariableRateDomain_2df5b801-1bf9-423d-bd9b-754840711034" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SecuredOvernightFinancingRateSOFRMember_a93b80c8-000e-4e0b-abe0-d4c194bec8e4" xlink:href="fbc-20231231.xsd#fbc_SecuredOvernightFinancingRateSOFRMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VariableRateDomain_2df5b801-1bf9-423d-bd9b-754840711034" xlink:to="loc_fbc_SecuredOvernightFinancingRateSOFRMember_a93b80c8-000e-4e0b-abe0-d4c194bec8e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentTable_ab93b24e-d6ef-4661-9b7e-92fd86e087cb" xlink:to="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_f21567a7-8124-4a02-bad5-20f69b5934b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_f21567a7-8124-4a02-bad5-20f69b5934b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_95141480-dc21-4062-ad96-a557995406dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_95141480-dc21-4062-ad96-a557995406dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_02eb5872-07fb-4c6e-9d2d-24fdc98456c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtInstrumentLineItems_c8675fee-4131-40f8-8a99-65135c412a63" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_02eb5872-07fb-4c6e-9d2d-24fdc98456c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DepositsScheduleofDepositsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DepositsScheduleofDepositsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DepositsScheduleofDepositsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatisticalDisclosureForBanksAbstract_9ce08a43-cf7b-4c98-82ae-b6a6e2e23898" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatisticalDisclosureForBanksAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsDomesticAbstract_cda1efae-f135-4c4c-9e0d-7bafd5f60d94" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsDomesticAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_9ce08a43-cf7b-4c98-82ae-b6a6e2e23898" xlink:to="loc_us-gaap_DepositsDomesticAbstract_cda1efae-f135-4c4c-9e0d-7bafd5f60d94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsMoneyMarketDeposits_741cfa5d-d9ff-4e9f-9424-c0e436cbeb25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsMoneyMarketDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsDomesticAbstract_cda1efae-f135-4c4c-9e0d-7bafd5f60d94" xlink:to="loc_us-gaap_DepositsMoneyMarketDeposits_741cfa5d-d9ff-4e9f-9424-c0e436cbeb25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsSavingsDeposits_ad3fdc7e-73a2-45ff-98c6-40cae664a69c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsSavingsDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsDomesticAbstract_cda1efae-f135-4c4c-9e0d-7bafd5f60d94" xlink:to="loc_us-gaap_DepositsSavingsDeposits_ad3fdc7e-73a2-45ff-98c6-40cae664a69c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_7fa0b933-cc98-4851-bbb1-b62b78f11749" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsDomesticAbstract_cda1efae-f135-4c4c-9e0d-7bafd5f60d94" xlink:to="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_7fa0b933-cc98-4851-bbb1-b62b78f11749" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_375b9206-f169-4e4b-b4a4-ddee3ab1b0fa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsDomesticAbstract_cda1efae-f135-4c4c-9e0d-7bafd5f60d94" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_375b9206-f169-4e4b-b4a4-ddee3ab1b0fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_f4ed12d7-28d7-43b6-9cfb-73a6d16b5b87" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsDomesticAbstract_cda1efae-f135-4c4c-9e0d-7bafd5f60d94" xlink:to="loc_us-gaap_Deposits_f4ed12d7-28d7-43b6-9cfb-73a6d16b5b87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract_68f9be79-01f4-4968-ae19-1d9af854019c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_9ce08a43-cf7b-4c98-82ae-b6a6e2e23898" xlink:to="loc_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract_68f9be79-01f4-4968-ae19-1d9af854019c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_1fca4bf9-0e6c-45ba-a207-6c2fcdb12e3b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract_68f9be79-01f4-4968-ae19-1d9af854019c" xlink:to="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket_1fca4bf9-0e6c-45ba-a207-6c2fcdb12e3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings_59f2f515-3784-40c5-aaa3-3a90acf599a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract_68f9be79-01f4-4968-ae19-1d9af854019c" xlink:to="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings_59f2f515-3784-40c5-aaa3-3a90acf599a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit_6a5cafc4-74be-4858-90fc-0a6f07746edd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract_68f9be79-01f4-4968-ae19-1d9af854019c" xlink:to="loc_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit_6a5cafc4-74be-4858-90fc-0a6f07746edd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts_713c6e6c-a1e9-48eb-8010-4228b7dd2228" xlink:href="fbc-20231231.xsd#fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract_68f9be79-01f4-4968-ae19-1d9af854019c" xlink:to="loc_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts_713c6e6c-a1e9-48eb-8010-4228b7dd2228" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PercentageOfTotalDeposits_654424de-83b6-471b-8fd6-e31dd4ae6ffb" xlink:href="fbc-20231231.xsd#fbc_PercentageOfTotalDeposits"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract_68f9be79-01f4-4968-ae19-1d9af854019c" xlink:to="loc_fbc_PercentageOfTotalDeposits_654424de-83b6-471b-8fd6-e31dd4ae6ffb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_e0b06043-3e37-40e5-913a-22a21439af8f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_9ce08a43-cf7b-4c98-82ae-b6a6e2e23898" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_e0b06043-3e37-40e5-913a-22a21439af8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket_9f86a88c-63e9-4acc-8682-953a8dfd7348" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositMoneyMarket"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_e0b06043-3e37-40e5-913a-22a21439af8f" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket_9f86a88c-63e9-4acc-8682-953a8dfd7348" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositSavings_b92149d5-9042-4167-8ab1-fa34a065ca07" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositSavings"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_e0b06043-3e37-40e5-913a-22a21439af8f" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDepositSavings_b92149d5-9042-4167-8ab1-fa34a065ca07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit_b488d169-f2ea-4b3d-a97f-cbfc5cfa4814" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_e0b06043-3e37-40e5-913a-22a21439af8f" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit_b488d169-f2ea-4b3d-a97f-cbfc5cfa4814" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities_e554f92f-3b5c-48c2-ac2d-8817f2676fa5" xlink:href="fbc-20231231.xsd#fbc_WeightedAverageRateNoninterestBearingDepositLiabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_e0b06043-3e37-40e5-913a-22a21439af8f" xlink:to="loc_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities_e554f92f-3b5c-48c2-ac2d-8817f2676fa5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WeightedAverageRateDepositLiabilities_b67ff322-16ae-4114-bff9-1bc6a694f43e" xlink:href="fbc-20231231.xsd#fbc_WeightedAverageRateDepositLiabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract_e0b06043-3e37-40e5-913a-22a21439af8f" xlink:to="loc_fbc_WeightedAverageRateDepositLiabilities_b67ff322-16ae-4114-bff9-1bc6a694f43e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DepositsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DepositsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DepositsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatisticalDisclosureForBanksAbstract_d86246bf-d72c-41d6-a8f5-ba9144f2233d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatisticalDisclosureForBanksAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1_024a06ec-3326-48ef-9e6a-8c2d78f75351" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_d86246bf-d72c-41d6-a8f5-ba9144f2233d" xlink:to="loc_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1_024a06ec-3326-48ef-9e6a-8c2d78f75351" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositBrokered_3a287f58-16ed-4adf-8aae-50c238d9207c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDomesticDepositBrokered"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_d86246bf-d72c-41d6-a8f5-ba9144f2233d" xlink:to="loc_us-gaap_InterestBearingDomesticDepositBrokered_3a287f58-16ed-4adf-8aae-50c238d9207c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageRateDomesticDepositBrokered_efba920d-f698-4ace-b57e-b4e831a75b49" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageRateDomesticDepositBrokered"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_d86246bf-d72c-41d6-a8f5-ba9144f2233d" xlink:to="loc_us-gaap_WeightedAverageRateDomesticDepositBrokered_efba920d-f698-4ace-b57e-b4e831a75b49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket_db657320-9eb3-4fbf-9d8f-3d98c8e535d3" xlink:href="fbc-20231231.xsd#fbc_InterestBearingDomesticDepositBrokeredMoneyMarket"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_d86246bf-d72c-41d6-a8f5-ba9144f2233d" xlink:to="loc_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket_db657320-9eb3-4fbf-9d8f-3d98c8e535d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestBearingDepositBrokeredCheckingAccount_7e1c0d83-90ac-485c-a110-9a0ca5dd2b71" xlink:href="fbc-20231231.xsd#fbc_InterestBearingDepositBrokeredCheckingAccount"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_d86246bf-d72c-41d6-a8f5-ba9144f2233d" xlink:to="loc_fbc_InterestBearingDepositBrokeredCheckingAccount_7e1c0d83-90ac-485c-a110-9a0ca5dd2b71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits_90abc615-b79e-47ee-bcff-04763fe6af2e" xlink:href="fbc-20231231.xsd#fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_d86246bf-d72c-41d6-a8f5-ba9144f2233d" xlink:to="loc_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits_90abc615-b79e-47ee-bcff-04763fe6af2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DepositsMaturitiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DepositsMaturitiesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DepositsMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatisticalDisclosureForBanksAbstract_fe3fbead-f031-48d7-a2e6-45df079cca58" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatisticalDisclosureForBanksAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesTable_543633f1-d158-42cf-8b66-e719d5f86882" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatisticalDisclosureForBanksAbstract_fe3fbead-f031-48d7-a2e6-45df079cca58" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesTable_543633f1-d158-42cf-8b66-e719d5f86882" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis_b98a0c97-ab20-42b5-b2d3-7853ac557e58" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesTable_543633f1-d158-42cf-8b66-e719d5f86882" xlink:to="loc_srt_RestatementAxis_b98a0c97-ab20-42b5-b2d3-7853ac557e58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain_e14c272a-5f05-443a-98ee-69d059554845" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RestatementDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementAxis_b98a0c97-ab20-42b5-b2d3-7853ac557e58" xlink:to="loc_srt_RestatementDomain_e14c272a-5f05-443a-98ee-69d059554845" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember_0e76ee40-92c3-48b7-b7a2-d9b865d93e0a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RestatementDomain_e14c272a-5f05-443a-98ee-69d059554845" xlink:to="loc_srt_ScenarioPreviouslyReportedMember_0e76ee40-92c3-48b7-b7a2-d9b865d93e0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankAdvancesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesTable_543633f1-d158-42cf-8b66-e719d5f86882" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearOne_55750839-0e2f-4292-a046-74fe146e0793" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearOne"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearOne_55750839-0e2f-4292-a046-74fe146e0793" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearTwo_09c05fea-475a-486d-a711-c2e8da8ce161" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearTwo_09c05fea-475a-486d-a711-c2e8da8ce161" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearThree_7fbd9352-cd77-4f6c-9de7-9a327c44748b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearThree_7fbd9352-cd77-4f6c-9de7-9a327c44748b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFour_ca8644eb-c05f-4db3-94e6-402c4b0d9ef9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFour_ca8644eb-c05f-4db3-94e6-402c4b0d9ef9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesYearFive_5f1d323c-519c-42be-aee0-d16c74f10772" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesYearFive_5f1d323c-519c-42be-aee0-d16c74f10772" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_8b5b7d26-4aa2-4687-8e88-de421874c135" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDepositMaturitiesAfterYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_TimeDepositMaturitiesAfterYearFive_8b5b7d26-4aa2-4687-8e88-de421874c135" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_5ee15176-bc93-4680-b4b7-4d11891c0321" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesLineItems_2aa6ff51-939d-4666-a2fa-a5d777bbc076" xlink:to="loc_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits_5ee15176-bc93-4680-b4b7-4d11891c0321" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_b6029897-6db2-4b0a-a62b-99b0d1b2ac85" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComponentsOfDeferredTaxAssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_b6029897-6db2-4b0a-a62b-99b0d1b2ac85" xlink:to="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_36c324ad-af0d-4a35-b76e-9086d94741ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_36c324ad-af0d-4a35-b76e-9086d94741ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities_5a1c3ef3-5a30-401c-86f8-0208a38aedbc" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities_5a1c3ef3-5a30-401c-86f8-0208a38aedbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans_2348c935-ae63-4d06-9086-fe89e1332fc6" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans_2348c935-ae63-4d06-9086-fe89e1332fc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsCapitalizedLoanCosts_2d9eb5ac-8e82-4375-b072-e7bd5d99033b" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsCapitalizedLoanCosts"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_fbc_DeferredTaxAssetsCapitalizedLoanCosts_2d9eb5ac-8e82-4375-b072-e7bd5d99033b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsRightOfUseLiability_b7161456-b075-41ba-a9f0-95a3393b38f9" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsRightOfUseLiability"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_fbc_DeferredTaxAssetsRightOfUseLiability_b7161456-b075-41ba-a9f0-95a3393b38f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits_776f599e-1b71-48e6-916a-39f44739c7ea" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits_776f599e-1b71-48e6-916a-39f44739c7ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts_a54d1f17-f03f-4c4e-86b2-d7b3c4fd72dc" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts_a54d1f17-f03f-4c4e-86b2-d7b3c4fd72dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxAssetsAccruedExpenses_64d8e2e7-0214-4520-a11c-3c1f0d80c51e" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxAssetsAccruedExpenses"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_fbc_DeferredTaxAssetsAccruedExpenses_64d8e2e7-0214-4520-a11c-3c1f0d80c51e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_3a81f8cd-552f-4c2f-9234-9db4be386891" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_3a81f8cd-552f-4c2f-9234-9db4be386891" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOther_81d2f53b-cb24-40ab-a14d-af39818d992f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsOther"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_us-gaap_DeferredTaxAssetsOther_81d2f53b-cb24-40ab-a14d-af39818d992f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsGross_8cb38565-1b4e-46f2-b22b-0e3db23b4081" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsGross"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_us-gaap_DeferredTaxAssetsGross_8cb38565-1b4e-46f2-b22b-0e3db23b4081" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsValuationAllowance_ee9387e2-7d76-4ca4-8ecd-374871741da9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsValuationAllowance"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_us-gaap_DeferredTaxAssetsValuationAllowance_ee9387e2-7d76-4ca4-8ecd-374871741da9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_585926f2-ddce-4c5f-af75-9ac8aed513bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxAssetsAbstract_be64051b-0f2d-4100-b233-daa0c9a96eb7" xlink:to="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet_585926f2-ddce-4c5f-af75-9ac8aed513bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_b6029897-6db2-4b0a-a62b-99b0d1b2ac85" xlink:to="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_084afb4b-e63a-446d-9cb1-8862b3d2045f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesLeasingArrangements"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesLeasingArrangements_084afb4b-e63a-446d-9cb1-8862b3d2045f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_b345240c-07d2-43e7-9950-1811f2bca0bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesMortgageServicingRights"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_b345240c-07d2-43e7-9950-1811f2bca0bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_20036f41-0a1a-42ec-95d6-67932f5cf52f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment_20036f41-0a1a-42ec-95d6-67932f5cf52f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_bf9628b8-9062-45bc-a94d-8e347ff92949" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesPrepaidExpenses"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses_bf9628b8-9062-45bc-a94d-8e347ff92949" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans_ea31aa9f-7aa0-4646-a325-ad6632d95802" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans_ea31aa9f-7aa0-4646-a325-ad6632d95802" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_cdbeaca7-cb7f-43c5-9f58-1bd1af4755b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets_cdbeaca7-cb7f-43c5-9f58-1bd1af4755b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits_157136ae-845e-4496-9653-138e71ae9e51" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits_157136ae-845e-4496-9653-138e71ae9e51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesRightOfUseAsset_d9c3f128-ae26-421d-96f1-245b4bdb7321" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesRightOfUseAsset"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_fbc_DeferredTaxLiabilitiesRightOfUseAsset_d9c3f128-ae26-421d-96f1-245b4bdb7321" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesDeferredLoanFees_882e1c20-ecef-49f0-bc31-e65ec7d132f5" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesDeferredLoanFees"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_fbc_DeferredTaxLiabilitiesDeferredLoanFees_882e1c20-ecef-49f0-bc31-e65ec7d132f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt_09bb5a29-4258-4781-b112-45ce536182a7" xlink:href="fbc-20231231.xsd#fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt_09bb5a29-4258-4781-b112-45ce536182a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilitiesOther_22234885-14e8-44fe-9a31-91384854b9eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilitiesOther"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_us-gaap_DeferredTaxLiabilitiesOther_22234885-14e8-44fe-9a31-91384854b9eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxLiabilities_54f6b5ce-5e86-41c9-8788-8139d947722e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredIncomeTaxLiabilities"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_us-gaap_DeferredIncomeTaxLiabilities_54f6b5ce-5e86-41c9-8788-8139d947722e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilities_903efce9-1a2e-479e-8e96-82eb23cef584" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilities"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract_2bf13fc3-01ce-42e6-aad7-4f9d6b7abf18" xlink:to="loc_us-gaap_DeferredTaxLiabilities_903efce9-1a2e-479e-8e96-82eb23cef584" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_ff2460c1-b52e-45f1-a1c3-2eff88fb9a67" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwards"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards_ff2460c1-b52e-45f1-a1c3-2eff88fb9a67" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal_786aeeb0-79b9-4f68-99c5-bec395ff1dc2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal_786aeeb0-79b9-4f68-99c5-bec395ff1dc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxAssetsValuationAllowance_9a3cc520-379f-4c63-84a3-323bc354fda6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxAssetsValuationAllowance"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_DeferredTaxAssetsValuationAllowance_9a3cc520-379f-4c63-84a3-323bc354fda6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_3948ab77-583e-4e17-9c4a-99d088597644" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments_3948ab77-583e-4e17-9c4a-99d088597644" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingProgramObligation_7ec48e8e-7559-40c7-b1ff-ffd2d8cc4480" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AffordableHousingProgramObligation"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_AffordableHousingProgramObligation_7ec48e8e-7559-40c7-b1ff-ffd2d8cc4480" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AffordableHousingProgramObligationPeriod_21690b16-3893-4d23-a6ce-45d99107198d" xlink:href="fbc-20231231.xsd#fbc_AffordableHousingProgramObligationPeriod"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_fbc_AffordableHousingProgramObligationPeriod_21690b16-3893-4d23-a6ce-45d99107198d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_33b644f7-104f-477c-ac50-db307264e108" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount_33b644f7-104f-477c-ac50-db307264e108" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_6bf828e2-b26f-4528-b022-1387ac100b61" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization_6bf828e2-b26f-4528-b022-1387ac100b61" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount_e9646e18-099d-4c3e-826a-2edcef7fcef0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AffordableHousingProjectInvestmentWriteDownAmount"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount_e9646e18-099d-4c3e-826a-2edcef7fcef0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_d9c01c11-647d-4a3a-a657-53fddeb6b5db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_d9c01c11-647d-4a3a-a657-53fddeb6b5db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense_666c3472-1535-4f60-8bd0-220a35710bf5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense_666c3472-1535-4f60-8bd0-220a35710bf5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued_48f366ac-0d4a-4f0b-ba8f-3bec97c325b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued_48f366ac-0d4a-4f0b-ba8f-3bec97c325b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_8a2f50c1-15cc-4733-a247-90894b8caedf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate_8a2f50c1-15cc-4733-a247-90894b8caedf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_02b8effa-acf2-409e-bb2b-0a462a3a5f01" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities_02b8effa-acf2-409e-bb2b-0a462a3a5f01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender_f116a5e9-4499-48a3-ac06-6f671ad420a7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender_f116a5e9-4499-48a3-ac06-6f671ad420a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender_25250606-70fc-4b75-a8dc-5acfd1bed520" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4dc11858-1835-44c4-a94f-77ec927d6941" xlink:to="loc_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender_25250606-70fc-4b75-a8dc-5acfd1bed520" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_5e2b21a6-9a55-4a6b-bbeb-1435bebfab01" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalTaxExpenseBenefit_f4f7cf5f-5aaa-492f-ba94-17860a60e9c9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentFederalTaxExpenseBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5e2b21a6-9a55-4a6b-bbeb-1435bebfab01" xlink:to="loc_us-gaap_CurrentFederalTaxExpenseBenefit_f4f7cf5f-5aaa-492f-ba94-17860a60e9c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_53a6f264-42bc-481d-8a39-e34dbc27bd66" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentStateAndLocalTaxExpenseBenefit"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5e2b21a6-9a55-4a6b-bbeb-1435bebfab01" xlink:to="loc_us-gaap_CurrentStateAndLocalTaxExpenseBenefit_53a6f264-42bc-481d-8a39-e34dbc27bd66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit_4771d8eb-890c-42cd-8531-b04a821abd1a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5e2b21a6-9a55-4a6b-bbeb-1435bebfab01" xlink:to="loc_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit_4771d8eb-890c-42cd-8531-b04a821abd1a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_ca8ba979-0789-4d9e-ac60-e9c38081b017" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredFederalIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5e2b21a6-9a55-4a6b-bbeb-1435bebfab01" xlink:to="loc_us-gaap_DeferredFederalIncomeTaxExpenseBenefit_ca8ba979-0789-4d9e-ac60-e9c38081b017" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_aff1d4c2-c139-4228-808e-6daeb5421fac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5e2b21a6-9a55-4a6b-bbeb-1435bebfab01" xlink:to="loc_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit_aff1d4c2-c139-4228-808e-6daeb5421fac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit_b935792e-1010-4ac2-86a1-e89c6c2a6287" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5e2b21a6-9a55-4a6b-bbeb-1435bebfab01" xlink:to="loc_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit_b935792e-1010-4ac2-86a1-e89c6c2a6287" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_d3261105-daa2-48d4-b439-bc837b6ee629" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5e2b21a6-9a55-4a6b-bbeb-1435bebfab01" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_d3261105-daa2-48d4-b439-bc837b6ee629" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract_3cf29eac-d426-4d0c-8937-583dddd58ee0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_5e2b21a6-9a55-4a6b-bbeb-1435bebfab01" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract_3cf29eac-d426-4d0c-8937-583dddd58ee0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_7a886328-64b0-40ac-b40f-a811fb3ca084" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract_3cf29eac-d426-4d0c-8937-583dddd58ee0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent_7a886328-64b0-40ac-b40f-a811fb3ca084" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_1c168a3e-0641-4c97-a2de-3511d516a849" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract_3cf29eac-d426-4d0c-8937-583dddd58ee0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_1c168a3e-0641-4c97-a2de-3511d516a849" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent_0d07065b-88a5-4ca2-b443-c9ffbb444247" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract_3cf29eac-d426-4d0c-8937-583dddd58ee0" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent_0d07065b-88a5-4ca2-b443-c9ffbb444247" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ComprehensiveIncomeLossTaxParent_1ff1dca8-d84d-4fd7-b833-dd155f2906c2" xlink:href="fbc-20231231.xsd#fbc_ComprehensiveIncomeLossTaxParent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract_3cf29eac-d426-4d0c-8937-583dddd58ee0" xlink:to="loc_fbc_ComprehensiveIncomeLossTaxParent_1ff1dca8-d84d-4fd7-b833-dd155f2906c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxesReconciliationDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_e8d8de6e-ed74-4844-a10b-ede63d86c5a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_e8d8de6e-ed74-4844-a10b-ede63d86c5a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_0e0eeec7-52cf-4689-b0fd-4441fb2ead9a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes_0e0eeec7-52cf-4689-b0fd-4441fb2ead9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_b10fa5c5-c62d-4552-829b-fc4cd44e6d6f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationTaxExemptIncome"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxExemptIncome_b10fa5c5-c62d-4552-829b-fc4cd44e6d6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain_14f8e2fe-daf6-4a5a-98af-ac6cb8dcdf40" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain_14f8e2fe-daf6-4a5a-98af-ac6cb8dcdf40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses_f1f2f306-06d0-42cf-b9a7-7fd641c85411" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses_f1f2f306-06d0-42cf-b9a7-7fd641c85411" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums_13e76506-0e65-440a-87ea-040b02e350ed" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums_13e76506-0e65-440a-87ea-040b02e350ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_5b58c197-8d90-4e65-8b06-d920f042594b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_5b58c197-8d90-4e65-8b06-d920f042594b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance_8f5bf78d-648e-4379-aab4-ce8f90a373eb" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance_8f5bf78d-648e-4379-aab4-ce8f90a373eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses_9e0debe5-c9a8-43f6-919c-66cd6ee79a8c" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses_9e0debe5-c9a8-43f6-919c-66cd6ee79a8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense_afc3d518-814e-4ba8-9b39-a29948d2d955" xlink:href="fbc-20231231.xsd#fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense_afc3d518-814e-4ba8-9b39-a29948d2d955" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationTaxCredits_7a448a3c-41e2-4497-9337-7763f75f24bc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationTaxCredits"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_us-gaap_IncomeTaxReconciliationTaxCredits_7a448a3c-41e2-4497-9337-7763f75f24bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes_4531dca6-649a-4b96-a6d3-27f9278ad86f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes_4531dca6-649a-4b96-a6d3-27f9278ad86f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments_48ac13cc-4b2f-456a-805b-a29431eeec7e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxReconciliationOtherAdjustments"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_us-gaap_IncomeTaxReconciliationOtherAdjustments_48ac13cc-4b2f-456a-805b-a29431eeec7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_d3062c62-c633-4817-b157-4fa26fbbdee4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_3377aa72-9b3b-4678-b3bb-3c0fe5bd8efc" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_d3062c62-c633-4817-b157-4fa26fbbdee4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_4e6a0f72-451d-4c7d-9362-b785d28183b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_e93774c6-a1bf-474c-bb09-762efa8f3aac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_4e6a0f72-451d-4c7d-9362-b785d28183b2" xlink:to="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_e93774c6-a1bf-474c-bb09-762efa8f3aac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_89494b4e-bcbd-4251-8968-1bccedfae087" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_e93774c6-a1bf-474c-bb09-762efa8f3aac" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_89494b4e-bcbd-4251-8968-1bccedfae087" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_97c00c00-d466-40f3-a56c-106dde097b5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_e93774c6-a1bf-474c-bb09-762efa8f3aac" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions_97c00c00-d466-40f3-a56c-106dde097b5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_9593202e-6fcc-4c2a-b089-8709c4304eba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_e93774c6-a1bf-474c-bb09-762efa8f3aac" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions_9593202e-6fcc-4c2a-b089-8709c4304eba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_e3f5331d-83f3-47c6-a02e-eff39e885276" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_e93774c6-a1bf-474c-bb09-762efa8f3aac" xlink:to="loc_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_e3f5331d-83f3-47c6-a02e-eff39e885276" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_7ced0cba-065b-49b3-9780-b8ba25cb384c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward_e93774c6-a1bf-474c-bb09-762efa8f3aac" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_7ced0cba-065b-49b3-9780-b8ba25cb384c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#StockRelatedBenefitsPlansNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c6a74180-e0e9-41c5-b97f-1ea40e3eec2f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_f61c7180-dba8-49f0-b77c-9691e8e9c506" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_c6a74180-e0e9-41c5-b97f-1ea40e3eec2f" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_f61c7180-dba8-49f0-b77c-9691e8e9c506" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_5385771d-2382-4131-8686-9326ff7ecd38" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_f61c7180-dba8-49f0-b77c-9691e8e9c506" xlink:to="loc_us-gaap_AwardTypeAxis_5385771d-2382-4131-8686-9326ff7ecd38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_5385771d-2382-4131-8686-9326ff7ecd38" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RestrictedStockandRestrictedStockUnitsMember_4a815b65-1237-4e8a-b579-ca3aaf782033" xlink:href="fbc-20231231.xsd#fbc_RestrictedStockandRestrictedStockUnitsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:to="loc_fbc_RestrictedStockandRestrictedStockUnitsMember_4a815b65-1237-4e8a-b579-ca3aaf782033" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_dad6a3d0-90df-409d-96a5-b1fb0be67271" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:to="loc_us-gaap_PerformanceSharesMember_dad6a3d0-90df-409d-96a5-b1fb0be67271" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_9b4207e5-c354-4592-9a5b-9e72187d1197" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_74d84b93-fe00-4547-b5ac-f8282d539628" xlink:to="loc_us-gaap_RestrictedStockMember_9b4207e5-c354-4592-9a5b-9e72187d1197" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_d38b88ef-863b-4b90-b26e-7bb11b754190" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_f61c7180-dba8-49f0-b77c-9691e8e9c506" xlink:to="loc_srt_RangeAxis_d38b88ef-863b-4b90-b26e-7bb11b754190" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_77fcf00c-254c-4537-9611-cd078e41bcf4" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_d38b88ef-863b-4b90-b26e-7bb11b754190" xlink:to="loc_srt_RangeMember_77fcf00c-254c-4537-9611-cd078e41bcf4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_5c320a54-3683-4f2c-a215-a7170a520f60" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_77fcf00c-254c-4537-9611-cd078e41bcf4" xlink:to="loc_srt_MinimumMember_5c320a54-3683-4f2c-a215-a7170a520f60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_858319d3-9899-427b-98dd-0191e39b8189" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_77fcf00c-254c-4537-9611-cd078e41bcf4" xlink:to="loc_srt_MaximumMember_858319d3-9899-427b-98dd-0191e39b8189" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_f61c7180-dba8-49f0-b77c-9691e8e9c506" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_9926f65b-8b8a-4a27-9524-587581d7f2e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant_9926f65b-8b8a-4a27-9524-587581d7f2e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_0193cc45-bca1-48ee-a757-c3c771eab813" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_0193cc45-bca1-48ee-a757-c3c771eab813" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_7248cbe8-0e65-4105-b3a5-f77933427ae7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_7248cbe8-0e65-4105-b3a5-f77933427ae7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_35b7fdc0-b4ef-410a-ace3-631a1ed9bea4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_35b7fdc0-b4ef-410a-ace3-631a1ed9bea4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_5d5da80f-8373-453c-80b0-c65a29fac743" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_5d5da80f-8373-453c-80b0-c65a29fac743" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_21c1f5c7-f163-4d9f-a600-e040d86ec6f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions_21c1f5c7-f163-4d9f-a600-e040d86ec6f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_f01db949-a8a1-4847-93d9-b82231f3c9b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_3e5ad2d2-233c-4a4a-b932-769db9fe3963" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_f01db949-a8a1-4847-93d9-b82231f3c9b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_942fe09b-460f-467a-b0e8-388832337ef8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5cd47983-d79f-4444-a500-d87d07e70da6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_942fe09b-460f-467a-b0e8-388832337ef8" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5cd47983-d79f-4444-a500-d87d07e70da6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_0dff0085-380d-4528-b508-347ae8073384" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5cd47983-d79f-4444-a500-d87d07e70da6" xlink:to="loc_us-gaap_AwardTypeAxis_0dff0085-380d-4528-b508-347ae8073384" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_c84d1ae9-062e-4b01-8d6d-a8d4844b8b74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_0dff0085-380d-4528-b508-347ae8073384" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_c84d1ae9-062e-4b01-8d6d-a8d4844b8b74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_329e0085-7a96-4612-a977-825d1cdbf842" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_c84d1ae9-062e-4b01-8d6d-a8d4844b8b74" xlink:to="loc_us-gaap_RestrictedStockMember_329e0085-7a96-4612-a977-825d1cdbf842" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1ef7a561-6633-43a1-8690-37168d7ec812" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5cd47983-d79f-4444-a500-d87d07e70da6" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1ef7a561-6633-43a1-8690-37168d7ec812" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1ef7a561-6633-43a1-8690-37168d7ec812" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_9bfaeb0b-23b3-4c7d-b4c1-a95dc2c41e45" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_9bfaeb0b-23b3-4c7d-b4c1-a95dc2c41e45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_40163de2-1c7b-41b0-a88e-fdc4adb79ec9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_40163de2-1c7b-41b0-a88e-fdc4adb79ec9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_a12090a3-80cc-43a9-866e-88e17d0dc6b0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_a12090a3-80cc-43a9-866e-88e17d0dc6b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_9a93fc6e-5df4-41ac-82d1-b83a1a8dd347" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_9a93fc6e-5df4-41ac-82d1-b83a1a8dd347" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_33725b67-1977-488c-b995-6af130b4b618" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_0a2035ff-0c96-4f98-8ab0-9a059cc7509f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_33725b67-1977-488c-b995-6af130b4b618" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1ef7a561-6633-43a1-8690-37168d7ec812" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_2042184c-6845-41e1-8f55-7fff01808c9a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_2042184c-6845-41e1-8f55-7fff01808c9a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_8c47440f-fa20-4d68-8a78-28faa3c9e72e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_8c47440f-fa20-4d68-8a78-28faa3c9e72e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_73114267-fa6b-4911-805f-53b0aa6ac1b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_73114267-fa6b-4911-805f-53b0aa6ac1b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_05225736-5359-4d2e-9a51-749bd7c66343" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_05225736-5359-4d2e-9a51-749bd7c66343" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_478bc01b-2398-4b1a-b605-d7f75b97e5d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_ba095db8-e2de-4844-a15d-8c9389fec6f3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_478bc01b-2398-4b1a-b605-d7f75b97e5d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_df8bab26-4e4d-4d82-ab66-4dd0ca912b76" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d1f363a2-dca1-4271-a33f-52673eb1a58d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_df8bab26-4e4d-4d82-ab66-4dd0ca912b76" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d1f363a2-dca1-4271-a33f-52673eb1a58d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_a50c9e8e-cdf5-4205-b797-e657528d3d53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d1f363a2-dca1-4271-a33f-52673eb1a58d" xlink:to="loc_us-gaap_AwardTypeAxis_a50c9e8e-cdf5-4205-b797-e657528d3d53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_d1cd4f23-05a9-4e6d-83b9-999406bb181e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_a50c9e8e-cdf5-4205-b797-e657528d3d53" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_d1cd4f23-05a9-4e6d-83b9-999406bb181e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_78119473-f22b-4806-9e79-10a18aae8a19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_d1cd4f23-05a9-4e6d-83b9-999406bb181e" xlink:to="loc_us-gaap_PerformanceSharesMember_78119473-f22b-4806-9e79-10a18aae8a19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_275c7142-b8fa-4433-b6d4-44080f8affe4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_d1f363a2-dca1-4271-a33f-52673eb1a58d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_275c7142-b8fa-4433-b6d4-44080f8affe4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_275c7142-b8fa-4433-b6d4-44080f8affe4" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_6455016a-0cbb-46b6-8909-82a340fd56c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_6455016a-0cbb-46b6-8909-82a340fd56c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c5d1c494-a7fd-403c-8654-dbbe139f604a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_c5d1c494-a7fd-403c-8654-dbbe139f604a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_083985b6-7681-4e7e-9fed-7268e13b32c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_083985b6-7681-4e7e-9fed-7268e13b32c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_bdd78f0b-7554-403c-b9a4-78582d3aeb7f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_bdd78f0b-7554-403c-b9a4-78582d3aeb7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_b331ddb6-1bab-4649-8d15-db7c1182a119" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_84c9ee38-22ba-4a9e-ae73-3169ef4b28f2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_b331ddb6-1bab-4649-8d15-db7c1182a119" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_9b13ecc1-d52c-4a66-b69c-1231fd151f09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_275c7142-b8fa-4433-b6d4-44080f8affe4" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_9b13ecc1-d52c-4a66-b69c-1231fd151f09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_9b13ecc1-d52c-4a66-b69c-1231fd151f09" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_9a52d2f2-7d0b-4f7e-a277-7a575f3785bc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_9a52d2f2-7d0b-4f7e-a277-7a575f3785bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_28128740-f8f2-45d9-812e-aed55c9db4ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_28128740-f8f2-45d9-812e-aed55c9db4ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_cdf603d4-ff10-4e10-92f1-2b148583c27f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_a130c52f-2155-456b-b825-4427455d6987" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_cdf603d4-ff10-4e10-92f1-2b148583c27f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_aa8972b2-9ec1-40aa-a542-e2b09f0a0110" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_9b13ecc1-d52c-4a66-b69c-1231fd151f09" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_aa8972b2-9ec1-40aa-a542-e2b09f0a0110" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e3f67635-e598-4870-8dbc-ef406be49c70" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_e3f67635-e598-4870-8dbc-ef406be49c70" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_4893ea13-55e5-4728-b606-43018a1d85b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_4893ea13-55e5-4728-b606-43018a1d85b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_37904c74-90e7-4970-9fa4-5142956150da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_4893ea13-55e5-4728-b606-43018a1d85b5" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_37904c74-90e7-4970-9fa4-5142956150da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_583ae15b-3329-45f0-8212-9ba31ef9b90d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_37904c74-90e7-4970-9fa4-5142956150da" xlink:to="loc_us-gaap_InterestRateSwapMember_583ae15b-3329-45f0-8212-9ba31ef9b90d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsFHLBAdvancesMember_b6e4450b-70fe-4b73-989a-1e293db15b55" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsFHLBAdvancesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_37904c74-90e7-4970-9fa4-5142956150da" xlink:to="loc_fbc_InterestRateSwapsFHLBAdvancesMember_b6e4450b-70fe-4b73-989a-1e293db15b55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_1ffc5423-ed90-4e43-8b41-e464d1552dde" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:to="loc_us-gaap_HedgingDesignationAxis_1ffc5423-ed90-4e43-8b41-e464d1552dde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_60149dcc-c06c-4590-89ee-671c006cff33" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_1ffc5423-ed90-4e43-8b41-e464d1552dde" xlink:to="loc_us-gaap_HedgingDesignationDomain_60149dcc-c06c-4590-89ee-671c006cff33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_1d73604e-168f-463c-829d-43b9235caf53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_60149dcc-c06c-4590-89ee-671c006cff33" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_1d73604e-168f-463c-829d-43b9235caf53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_de92eaf3-ccdf-4844-8b34-71714bffed1f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_de92eaf3-ccdf-4844-8b34-71714bffed1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_6d2a75b6-ac85-41ae-80c4-9a80690be26c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_de92eaf3-ccdf-4844-8b34-71714bffed1f" xlink:to="loc_us-gaap_HedgingRelationshipDomain_6d2a75b6-ac85-41ae-80c4-9a80690be26c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_f789c935-167e-4f7c-a93b-57501fc8c26b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_6d2a75b6-ac85-41ae-80c4-9a80690be26c" xlink:to="loc_us-gaap_CashFlowHedgingMember_f789c935-167e-4f7c-a93b-57501fc8c26b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_0a9923dc-e3fe-4bee-ac2c-6e136d11e32c" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_2fef8061-6e0d-4e2e-a7b3-dd3414c59f7c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax_2fef8061-6e0d-4e2e-a7b3-dd3414c59f7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotionalAmount_217dff87-6488-49b7-8d0e-144440d533c2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetNotionalAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_DerivativeAssetNotionalAmount_217dff87-6488-49b7-8d0e-144440d533c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_8cc02d30-7d2d-474d-a011-b254a88ec044" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_8cc02d30-7d2d-474d-a011-b254a88ec044" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAmountOfHedgedItem_cdc030e9-8d6b-40e0-baa7-3e0032768cbe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAmountOfHedgedItem"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_DerivativeAmountOfHedgedItem_cdc030e9-8d6b-40e0-baa7-3e0032768cbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1_4c70582c-9715-4412-b641-d1f1a9c2aedc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1_4c70582c-9715-4412-b641-d1f1a9c2aedc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_0b09ed43-9d52-4df5-90d8-7b73fd4f6f04" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_DerivativeNotionalAmount_0b09ed43-9d52-4df5-90d8-7b73fd4f6f04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet_c40c3553-c319-4f31-a322-cf7912bd092b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_24f87f11-9ab3-4df8-b32a-1e1269f2c5ce" xlink:to="loc_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet_c40c3553-c319-4f31-a322-cf7912bd092b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_f952083e-5c76-4a99-82cd-7cf0a53202ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_f952083e-5c76-4a99-82cd-7cf0a53202ec" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_ceae5a46-f4ef-4c94-b9f7-ba08e6966012" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:to="loc_us-gaap_HedgingDesignationAxis_ceae5a46-f4ef-4c94-b9f7-ba08e6966012" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_df36c1b0-3088-440a-9a75-5ad8d254a78b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_ceae5a46-f4ef-4c94-b9f7-ba08e6966012" xlink:to="loc_us-gaap_HedgingDesignationDomain_df36c1b0-3088-440a-9a75-5ad8d254a78b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_094b9d6d-d50b-4e6a-ad97-4cc0f9f4a76a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_df36c1b0-3088-440a-9a75-5ad8d254a78b" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_094b9d6d-d50b-4e6a-ad97-4cc0f9f4a76a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_1b3b4e02-4061-42ca-bd92-2b8bad896015" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_df36c1b0-3088-440a-9a75-5ad8d254a78b" xlink:to="loc_us-gaap_NondesignatedMember_1b3b4e02-4061-42ca-bd92-2b8bad896015" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_34c473d3-d50c-48bf-aeff-f842e5962813" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_34c473d3-d50c-48bf-aeff-f842e5962813" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_34c473d3-d50c-48bf-aeff-f842e5962813" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsFHLBAdvancesMember_2fff759e-7277-4cc0-bce5-1ac290a4081e" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsFHLBAdvancesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_fbc_InterestRateSwapsFHLBAdvancesMember_2fff759e-7277-4cc0-bce5-1ac290a4081e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_edecf572-a0df-4b6c-b0a5-91bd0a951f7f" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_edecf572-a0df-4b6c-b0a5-91bd0a951f7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FutureMember_087564b2-7362-43fb-8c24-acf5ccfb88df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FutureMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_us-gaap_FutureMember_087564b2-7362-43fb-8c24-acf5ccfb88df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_7e4ea93a-4fe4-49f3-850d-5706d3661e2b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_7e4ea93a-4fe4-49f3-850d-5706d3661e2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_57a57956-fb17-45ff-ad80-f09aaf953e05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_57a57956-fb17-45ff-ad80-f09aaf953e05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsandSwaptionsMember_60053cbb-a39b-4adb-962c-532c788e557a" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsandSwaptionsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_09e08869-d386-409d-96a4-66fba3752bbe" xlink:to="loc_fbc_InterestRateSwapsandSwaptionsMember_60053cbb-a39b-4adb-962c-532c788e557a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationAxis_190af050-34d8-4b03-8318-b85504a9e428" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BalanceSheetLocationAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:to="loc_us-gaap_BalanceSheetLocationAxis_190af050-34d8-4b03-8318-b85504a9e428" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_b35655b7-a577-49f1-8e21-49f9703e88cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_190af050-34d8-4b03-8318-b85504a9e428" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_b35655b7-a577-49f1-8e21-49f9703e88cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMember_8dd634ec-ab74-4b4e-ba65-bd19a6cd4e71" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_b35655b7-a577-49f1-8e21-49f9703e88cb" xlink:to="loc_us-gaap_OtherAssetsMember_8dd634ec-ab74-4b4e-ba65-bd19a6cd4e71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesMember_9992332e-ed2a-402a-827a-cc51d722f909" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilitiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_b35655b7-a577-49f1-8e21-49f9703e88cb" xlink:to="loc_us-gaap_OtherLiabilitiesMember_9992332e-ed2a-402a-827a-cc51d722f909" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_79cd4950-9cf1-4e9e-b0ae-37ee5535e5d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_79cd4950-9cf1-4e9e-b0ae-37ee5535e5d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_a38baccc-1445-40ab-9b46-f4e54141def7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_79cd4950-9cf1-4e9e-b0ae-37ee5535e5d1" xlink:to="loc_us-gaap_HedgingRelationshipDomain_a38baccc-1445-40ab-9b46-f4e54141def7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_c6420fd7-97c4-407d-9b8d-be6b0e71dfc9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_a38baccc-1445-40ab-9b46-f4e54141def7" xlink:to="loc_us-gaap_CashFlowHedgingMember_c6420fd7-97c4-407d-9b8d-be6b0e71dfc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_0d3e6b86-7175-48e5-ba46-3cf2bd3c1348" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueHedgingMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_a38baccc-1445-40ab-9b46-f4e54141def7" xlink:to="loc_us-gaap_FairValueHedgingMember_0d3e6b86-7175-48e5-ba46-3cf2bd3c1348" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_8da26886-4574-4afe-9d1d-2ec98c85ddde" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_78e332e0-0014-4e90-b700-3c13298c2d28" xlink:to="loc_us-gaap_DerivativesFairValueLineItems_8da26886-4574-4afe-9d1d-2ec98c85ddde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsAbstract_a9237d29-d6f5-491f-b34c-1421d9a2faff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_8da26886-4574-4afe-9d1d-2ec98c85ddde" xlink:to="loc_us-gaap_DerivativeAssetsAbstract_a9237d29-d6f5-491f-b34c-1421d9a2faff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotionalAmount_ca63745a-fcb6-455e-bff6-9090c099abd9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_a9237d29-d6f5-491f-b34c-1421d9a2faff" xlink:to="loc_us-gaap_DerivativeAssetNotionalAmount_ca63745a-fcb6-455e-bff6-9090c099abd9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_96c1f7bd-76d6-407b-9608-199d886a6cee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_a9237d29-d6f5-491f-b34c-1421d9a2faff" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_96c1f7bd-76d6-407b-9608-199d886a6cee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitiesAbstract_5a5b9de2-c3d7-4c67-b5d6-386464b8a78d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_8da26886-4574-4afe-9d1d-2ec98c85ddde" xlink:to="loc_us-gaap_DerivativeLiabilitiesAbstract_5a5b9de2-c3d7-4c67-b5d6-386464b8a78d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotionalAmount_08d98f95-242c-4ccd-9ef3-c9e4388a8af3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_5a5b9de2-c3d7-4c67-b5d6-386464b8a78d" xlink:to="loc_us-gaap_DerivativeLiabilityNotionalAmount_08d98f95-242c-4ccd-9ef3-c9e4388a8af3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_d85b6442-42cc-4458-94b2-3a5f60eeb2a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_5a5b9de2-c3d7-4c67-b5d6-386464b8a78d" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_d85b6442-42cc-4458-94b2-3a5f60eeb2a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_646d3983-729d-423b-9a28-40b4d8350520" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTable_47a2815f-b92e-477b-9c3e-ad82f0f314f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_646d3983-729d-423b-9a28-40b4d8350520" xlink:to="loc_us-gaap_OffsettingAssetsTable_47a2815f-b92e-477b-9c3e-ad82f0f314f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_95dc9c36-c005-4262-8d6a-ca2d7281ade9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAssetsTable_47a2815f-b92e-477b-9c3e-ad82f0f314f4" xlink:to="loc_us-gaap_HedgingDesignationAxis_95dc9c36-c005-4262-8d6a-ca2d7281ade9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_c85c51ad-2ffa-4f26-bf8c-c25c7346a31d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_95dc9c36-c005-4262-8d6a-ca2d7281ade9" xlink:to="loc_us-gaap_HedgingDesignationDomain_c85c51ad-2ffa-4f26-bf8c-c25c7346a31d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_1367e502-e3e0-48c5-9cfc-7c819134202b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_c85c51ad-2ffa-4f26-bf8c-c25c7346a31d" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_1367e502-e3e0-48c5-9cfc-7c819134202b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_3cf82db5-2a0d-4e3d-b288-b7e733fda05f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_c85c51ad-2ffa-4f26-bf8c-c25c7346a31d" xlink:to="loc_us-gaap_NondesignatedMember_3cf82db5-2a0d-4e3d-b288-b7e733fda05f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_af184b1b-6868-4ae0-a489-7b8ed32f034f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAssetsTable_47a2815f-b92e-477b-9c3e-ad82f0f314f4" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_af184b1b-6868-4ae0-a489-7b8ed32f034f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_af184b1b-6868-4ae0-a489-7b8ed32f034f" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsFHLBAdvancesMember_f6868c8c-41a9-47da-8f64-73ef05c9bc6b" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsFHLBAdvancesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_fbc_InterestRateSwapsFHLBAdvancesMember_f6868c8c-41a9-47da-8f64-73ef05c9bc6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_65cedc5e-a50f-4482-95e8-196f42cc7735" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember_65cedc5e-a50f-4482-95e8-196f42cc7735" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_1c742d2a-a6be-45b4-8941-7ff295857e8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_1c742d2a-a6be-45b4-8941-7ff295857e8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwaptionMember_3024daa4-c42b-4d22-8256-0c26529775ed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwaptionMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_us-gaap_InterestRateSwaptionMember_3024daa4-c42b-4d22-8256-0c26529775ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FutureMember_7de18597-cee5-425e-97ac-73448ed38ffb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FutureMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_us-gaap_FutureMember_7de18597-cee5-425e-97ac-73448ed38ffb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_0a2c8183-abd4-44de-80ef-ea1e78f0fb88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_8a02642d-67ac-44c7-ae9d-49c6d3178585" xlink:to="loc_us-gaap_InterestRateSwapMember_0a2c8183-abd4-44de-80ef-ea1e78f0fb88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsLineItems_4bdcbc74-7b74-4373-8ac4-29e4bfdcbfae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OffsettingAssetsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAssetsTable_47a2815f-b92e-477b-9c3e-ad82f0f314f4" xlink:to="loc_us-gaap_OffsettingAssetsLineItems_4bdcbc74-7b74-4373-8ac4-29e4bfdcbfae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_4bdcbc74-7b74-4373-8ac4-29e4bfdcbfae" xlink:to="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_bba0634d-d824-4449-bad6-e306ac1559b7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_bba0634d-d824-4449-bad6-e306ac1559b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_d8cb5553-1cc9-4900-b6ff-ad4e5d3c3d09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_d8cb5553-1cc9-4900-b6ff-ad4e5d3c3d09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_b4c9a4f0-37f3-4626-8355-ddeabee05f37" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeAssets_b4c9a4f0-37f3-4626-8355-ddeabee05f37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_c408b6cf-2a8a-448c-8bd5-72a771835f29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralObligationToReturnSecurities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnSecurities_c408b6cf-2a8a-448c-8bd5-72a771835f29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash_70c849ef-782e-4711-bf37-c896e8926af3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeAssetsAbstract_b6224777-8316-4f1c-bdf3-47e67b9ac96e" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnCash_70c849ef-782e-4711-bf37-c896e8926af3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OffsettingAssetsLineItems_4bdcbc74-7b74-4373-8ac4-29e4bfdcbfae" xlink:to="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_e91c7a9e-ad5f-441c-bfbf-1b149bef1f64" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_e91c7a9e-ad5f-441c-bfbf-1b149bef1f64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_21682d6f-199e-4e0a-ab25-7c8aa9a94860" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_21682d6f-199e-4e0a-ab25-7c8aa9a94860" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_8e8a5ee6-3fa9-470b-bddc-0ab8ecb6c7d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeLiabilities_8e8a5ee6-3fa9-470b-bddc-0ab8ecb6c7d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_89b32896-7bc2-4901-9be1-fd695cbcb25f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralRightToReclaimSecurities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimSecurities_89b32896-7bc2-4901-9be1-fd695cbcb25f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_21c2b31f-9206-44d2-851a-b9698230bf22" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeLiabilitiesAbstract_42cd3cfa-c076-4dce-b4ae-ff3619feb8d6" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_21c2b31f-9206-44d2-851a-b9698230bf22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4d87e7c9-231d-47e4-883f-924dc80335fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_e0e7e37b-9d26-4783-a376-602fced85f89" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4d87e7c9-231d-47e4-883f-924dc80335fd" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_e0e7e37b-9d26-4783-a376-602fced85f89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_bf4b8d5c-4fe8-4a68-91ba-7a76645dcacc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_e0e7e37b-9d26-4783-a376-602fced85f89" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_bf4b8d5c-4fe8-4a68-91ba-7a76645dcacc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_25f47402-faf4-4c41-b639-9c2a07fb5c0d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_bf4b8d5c-4fe8-4a68-91ba-7a76645dcacc" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_25f47402-faf4-4c41-b639-9c2a07fb5c0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SwapFHLBMember_a7425cbc-c0ae-47bc-bc9f-b8d402eb7cbe" xlink:href="fbc-20231231.xsd#fbc_SwapFHLBMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_25f47402-faf4-4c41-b639-9c2a07fb5c0d" xlink:to="loc_fbc_SwapFHLBMember_a7425cbc-c0ae-47bc-bc9f-b8d402eb7cbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_97aea8f5-027c-4fd5-a547-5d57b34893ff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_e0e7e37b-9d26-4783-a376-602fced85f89" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_97aea8f5-027c-4fd5-a547-5d57b34893ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_32414c6d-08ee-49d4-96be-914493a46f9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_97aea8f5-027c-4fd5-a547-5d57b34893ff" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_32414c6d-08ee-49d4-96be-914493a46f9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_5886299c-509e-4b6a-bb0f-0b20645c6312" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_97aea8f5-027c-4fd5-a547-5d57b34893ff" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_5886299c-509e-4b6a-bb0f-0b20645c6312" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_71d58f7b-4c90-4990-991f-073c8db7c609" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_60df1ffd-1ef1-49a7-9ef6-2dda4bd5c197" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_71d58f7b-4c90-4990-991f-073c8db7c609" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_60df1ffd-1ef1-49a7-9ef6-2dda4bd5c197" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_768990dd-3b9e-457a-8bec-5635c335a806" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_60df1ffd-1ef1-49a7-9ef6-2dda4bd5c197" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_768990dd-3b9e-457a-8bec-5635c335a806" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_768990dd-3b9e-457a-8bec-5635c335a806" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FutureMember_a9fc21bd-d6e2-47cd-8bb0-6917faaa9f1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FutureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_us-gaap_FutureMember_a9fc21bd-d6e2-47cd-8bb0-6917faaa9f1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsandSwaptionsMember_a9a4e03a-7410-460f-b6dd-3f7666e24692" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsandSwaptionsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_fbc_InterestRateSwapsandSwaptionsMember_a9a4e03a-7410-460f-b6dd-3f7666e24692" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_0664b686-20da-4ab0-a4ff-1331ec8d2549" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_0664b686-20da-4ab0-a4ff-1331ec8d2549" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember_5b152114-6316-456d-b258-ae5cbff17c44" xlink:href="fbc-20231231.xsd#fbc_RateLockCommitmentsAndUSTreasuryFuturesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_fbc_RateLockCommitmentsAndUSTreasuryFuturesMember_5b152114-6316-456d-b258-ae5cbff17c44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForwardCommitmentsMember_44999619-af1d-449c-837c-9e62a7f4f978" xlink:href="fbc-20231231.xsd#fbc_ForwardCommitmentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_fbc_ForwardCommitmentsMember_44999619-af1d-449c-837c-9e62a7f4f978" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_f4b3c5b2-7465-4d8b-842f-c1b2a1567693" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_97c923d0-e196-427e-83fc-db48636def3a" xlink:to="loc_us-gaap_InterestRateSwapMember_f4b3c5b2-7465-4d8b-842f-c1b2a1567693" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationAxis_b5df8ca1-b0ce-4f2e-b459-f05831d7f761" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_60df1ffd-1ef1-49a7-9ef6-2dda4bd5c197" xlink:to="loc_us-gaap_IncomeStatementLocationAxis_b5df8ca1-b0ce-4f2e-b459-f05831d7f761" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementLocationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationAxis_b5df8ca1-b0ce-4f2e-b459-f05831d7f761" xlink:to="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember_54fbe8ec-9b8c-44b7-9826-6d92d322388f" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMSRImpairmentRecoveryMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:to="loc_fbc_MortgageServicingRightsMSRImpairmentRecoveryMember_54fbe8ec-9b8c-44b7-9826-6d92d322388f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GainLossOnSaleOfFinancingReceivableMember_e72e6cb1-15fc-49a5-977c-a6ffa9acb3ab" xlink:href="fbc-20231231.xsd#fbc_GainLossOnSaleOfFinancingReceivableMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:to="loc_fbc_GainLossOnSaleOfFinancingReceivableMember_e72e6cb1-15fc-49a5-977c-a6ffa9acb3ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NoninterestIncomeOtherOperatingIncomeMember_cd57e44f-fcc6-42f8-98bd-42f6de795297" xlink:href="fbc-20231231.xsd#fbc_NoninterestIncomeOtherOperatingIncomeMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementLocationDomain_6a586159-ca1a-4b0e-8a87-c703d6af2d92" xlink:to="loc_fbc_NoninterestIncomeOtherOperatingIncomeMember_cd57e44f-fcc6-42f8-98bd-42f6de795297" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_4d713995-dffc-48cb-9261-13ec7c73544b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_60df1ffd-1ef1-49a7-9ef6-2dda4bd5c197" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_4d713995-dffc-48cb-9261-13ec7c73544b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_c827953a-8bf6-4353-8d9b-1953fee2b286" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_4d713995-dffc-48cb-9261-13ec7c73544b" xlink:to="loc_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet_c827953a-8bf6-4353-8d9b-1953fee2b286" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssetsGoodwillDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssetsGoodwillDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/IntangibleAssetsGoodwillDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_97d52a23-ef97-46b4-b704-2ed4dba2a81f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillRollForward_4d0add3a-8e4a-4a7b-870e-f3f016b90837" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_97d52a23-ef97-46b4-b704-2ed4dba2a81f" xlink:to="loc_us-gaap_GoodwillRollForward_4d0add3a-8e4a-4a7b-870e-f3f016b90837" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_36a23c9b-1c43-4847-8422-cffe59c68222" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_4d0add3a-8e4a-4a7b-870e-f3f016b90837" xlink:to="loc_us-gaap_Goodwill_36a23c9b-1c43-4847-8422-cffe59c68222" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairmentLoss_be5e5ee2-b5ab-420d-8efb-50b76a9cf701" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairmentLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_4d0add3a-8e4a-4a7b-870e-f3f016b90837" xlink:to="loc_us-gaap_GoodwillImpairmentLoss_be5e5ee2-b5ab-420d-8efb-50b76a9cf701" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_5d12952f-cb5c-48af-9239-e7595d4b7451" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillRollForward_4d0add3a-8e4a-4a7b-870e-f3f016b90837" xlink:to="loc_us-gaap_Goodwill_5d12952f-cb5c-48af-9239-e7595d4b7451" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssetsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_4f1c5da9-40c4-4d24-8abc-9c55a442fce2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_b9b8cd25-520f-4b51-8d66-ec287ef97c83" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_4f1c5da9-40c4-4d24-8abc-9c55a442fce2" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_b9b8cd25-520f-4b51-8d66-ec287ef97c83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_eab0c6b6-2e2e-480e-bbe8-8d2d4521eb55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_b9b8cd25-520f-4b51-8d66-ec287ef97c83" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_eab0c6b6-2e2e-480e-bbe8-8d2d4521eb55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_6640be04-c79a-4b7b-9be3-2f3300a1ddfc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_eab0c6b6-2e2e-480e-bbe8-8d2d4521eb55" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_6640be04-c79a-4b7b-9be3-2f3300a1ddfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SignatureBridgeBankMember_ddc89140-971e-411d-8f5f-b1860d963f2b" xlink:href="fbc-20231231.xsd#fbc_SignatureBridgeBankMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_6640be04-c79a-4b7b-9be3-2f3300a1ddfc" xlink:to="loc_fbc_SignatureBridgeBankMember_ddc89140-971e-411d-8f5f-b1860d963f2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_c4d64684-8b8b-459d-a06e-77e609a6b263" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_b9b8cd25-520f-4b51-8d66-ec287ef97c83" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_c4d64684-8b8b-459d-a06e-77e609a6b263" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_d76861ca-4679-4d66-9b5b-b55619134694" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_c4d64684-8b8b-459d-a06e-77e609a6b263" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_d76861ca-4679-4d66-9b5b-b55619134694" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIntangibleAssetsMember_bb29e882-6eb0-4c36-8235-920fa63294ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherIntangibleAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_d76861ca-4679-4d66-9b5b-b55619134694" xlink:to="loc_us-gaap_OtherIntangibleAssetsMember_bb29e882-6eb0-4c36-8235-920fa63294ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_b84f9fd0-7713-4dd2-af19-a1623425f9dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_b9b8cd25-520f-4b51-8d66-ec287ef97c83" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_b84f9fd0-7713-4dd2-af19-a1623425f9dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_715f6ae7-46a5-46b1-834e-ce5cb55ea58a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_b84f9fd0-7713-4dd2-af19-a1623425f9dc" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_715f6ae7-46a5-46b1-834e-ce5cb55ea58a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_c131325b-793b-41ee-910a-afbe91fcb7b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_b84f9fd0-7713-4dd2-af19-a1623425f9dc" xlink:to="loc_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife_c131325b-793b-41ee-910a-afbe91fcb7b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssetsScheduleIntangibleAssetsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_5424615a-aa34-4f64-a106-fdd53bfa7f94" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_71732d49-cf3c-4bfd-baa9-9dc7ff9772ad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_5424615a-aa34-4f64-a106-fdd53bfa7f94" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_71732d49-cf3c-4bfd-baa9-9dc7ff9772ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_115d8a9a-d7c5-49c0-ad0c-c342959cbb81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_71732d49-cf3c-4bfd-baa9-9dc7ff9772ad" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_115d8a9a-d7c5-49c0-ad0c-c342959cbb81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_e8bdfa8e-37b4-4277-9e69-1d857adb9665" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_115d8a9a-d7c5-49c0-ad0c-c342959cbb81" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_e8bdfa8e-37b4-4277-9e69-1d857adb9665" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CoreDepositsMember_235a1c3e-900f-46d4-bd72-68ea289ab3e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CoreDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_e8bdfa8e-37b4-4277-9e69-1d857adb9665" xlink:to="loc_us-gaap_CoreDepositsMember_235a1c3e-900f-46d4-bd72-68ea289ab3e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIntangibleAssetsMember_5e35cd50-84ac-401e-a156-57c60c2dfc6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherIntangibleAssetsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_e8bdfa8e-37b4-4277-9e69-1d857adb9665" xlink:to="loc_us-gaap_OtherIntangibleAssetsMember_5e35cd50-84ac-401e-a156-57c60c2dfc6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_71732d49-cf3c-4bfd-baa9-9dc7ff9772ad" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_828f570a-b170-4887-b750-62bf054a628b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_828f570a-b170-4887-b750-62bf054a628b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_461c4833-a855-4d37-a85a-7e3ca0715fce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_461c4833-a855-4d37-a85a-7e3ca0715fce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_f87358ec-2680-47ab-80f5-6873c80e3a62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_50307f01-daeb-4036-8983-c9bed7ae8343" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_f87358ec-2680-47ab-80f5-6873c80e3a62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#IntangibleAssetsFutureAmortizationDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_836bca87-7088-418c-b647-fdda6afafabc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_fb1baa77-b536-43bb-8186-0fe4f3a70d88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_836bca87-7088-418c-b647-fdda6afafabc" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_fb1baa77-b536-43bb-8186-0fe4f3a70d88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_86da218e-3036-4d0a-b0f0-a23fba6e0ebf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_836bca87-7088-418c-b647-fdda6afafabc" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_86da218e-3036-4d0a-b0f0-a23fba6e0ebf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_52a25010-7390-41a0-9dff-16421ace1b04" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_836bca87-7088-418c-b647-fdda6afafabc" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_52a25010-7390-41a0-9dff-16421ace1b04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_a26dfa4b-01fd-4af4-9788-2a9c950696c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_836bca87-7088-418c-b647-fdda6afafabc" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_a26dfa4b-01fd-4af4-9788-2a9c950696c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_b6d8fecc-0935-456d-8f81-1884044bfb99" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_836bca87-7088-418c-b647-fdda6afafabc" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive_b6d8fecc-0935-456d-8f81-1884044bfb99" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_aa06fe52-c016-449b-8e67-6fd6754458c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_836bca87-7088-418c-b647-fdda6afafabc" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_aa06fe52-c016-449b-8e67-6fd6754458c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CapitalActualCapitalAmountandRatiosDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_BrokersAndDealersAbstract_9b610fb2-5945-44c8-9e9e-223e3047fba5" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_BrokersAndDealersAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_bd6827f4-f5ab-4028-9b58-5356c7ebfebf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_BrokersAndDealersAbstract_9b610fb2-5945-44c8-9e9e-223e3047fba5" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_bd6827f4-f5ab-4028-9b58-5356c7ebfebf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_7678dc1f-9d17-47aa-b43a-7ae63f96cd3a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_bd6827f4-f5ab-4028-9b58-5356c7ebfebf" xlink:to="loc_srt_ConsolidatedEntitiesAxis_7678dc1f-9d17-47aa-b43a-7ae63f96cd3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_739e89af-d433-4773-93b6-db5143c4d647" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_7678dc1f-9d17-47aa-b43a-7ae63f96cd3a" xlink:to="loc_srt_ConsolidatedEntitiesDomain_739e89af-d433-4773-93b6-db5143c4d647" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_cbe2adcb-f4e8-46e2-9706-e8c9fabbd17e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ParentCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_739e89af-d433-4773-93b6-db5143c4d647" xlink:to="loc_srt_ParentCompanyMember_cbe2adcb-f4e8-46e2-9706-e8c9fabbd17e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SubsidiariesMember_a6b30f80-7800-444a-ae01-a6fffd2762e6" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_SubsidiariesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_739e89af-d433-4773-93b6-db5143c4d647" xlink:to="loc_srt_SubsidiariesMember_a6b30f80-7800-444a-ae01-a6fffd2762e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_a9d1ceab-5d16-45bc-b620-a6aad72db367" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_bd6827f4-f5ab-4028-9b58-5356c7ebfebf" xlink:to="loc_us-gaap_StatementClassOfStockAxis_a9d1ceab-5d16-45bc-b620-a6aad72db367" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_98db8744-5022-4491-8e9c-d4a32d9007cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_a9d1ceab-5d16-45bc-b620-a6aad72db367" xlink:to="loc_us-gaap_ClassOfStockDomain_98db8744-5022-4491-8e9c-d4a32d9007cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_45da7437-caf0-4a84-8232-0440578d1caf" xlink:href="fbc-20231231.xsd#fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_98db8744-5022-4491-8e9c-d4a32d9007cc" xlink:to="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_45da7437-caf0-4a84-8232-0440578d1caf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_bd6827f4-f5ab-4028-9b58-5356c7ebfebf" xlink:to="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital_60aa5365-4ec1-4dd4-b653-b7e9e9129ecd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_us-gaap_CommonEquityTierOneCapital_60aa5365-4ec1-4dd4-b653-b7e9e9129ecd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRatio_85cfcdb7-1d7c-4490-aacd-97b2ddc01737" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalRatio"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRatio_85cfcdb7-1d7c-4490-aacd-97b2ddc01737" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_2619ce54-d3ae-4c34-a227-a3f40737efc9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_2619ce54-d3ae-4c34-a227-a3f40737efc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_c7379fda-279c-4e51-a36d-d55035d1ff3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_c7379fda-279c-4e51-a36d-d55035d1ff3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess_4787590b-1a23-4506-979c-4d22c0efb0bc" xlink:href="fbc-20231231.xsd#fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess_4787590b-1a23-4506-979c-4d22c0efb0bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio_28178ac9-9c56-44c4-919d-9e81c58e24f2" xlink:href="fbc-20231231.xsd#fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_8bc98a53-5eb7-4bee-a284-3e8bc062fc96" xlink:to="loc_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio_28178ac9-9c56-44c4-919d-9e81c58e24f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital_64462d2d-844d-4e91-b3cc-cb32658c1322" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_TierOneRiskBasedCapital_64462d2d-844d-4e91-b3cc-cb32658c1322" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_1727a1d7-b6ab-404b-93fc-8cbd7b005c34" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_1727a1d7-b6ab-404b-93fc-8cbd7b005c34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_9cdffc91-e3e5-4b1c-8c08-7d3bf40c7b24" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_9cdffc91-e3e5-4b1c-8c08-7d3bf40c7b24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_aa609d0a-379c-4010-b3d3-99d5741c3bc0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_aa609d0a-379c-4010-b3d3-99d5741c3bc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessTierOneRiskBasedCapital_5eadd368-ca5b-410e-8795-4ceb03b70442" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessTierOneRiskBasedCapital"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_ExcessTierOneRiskBasedCapital_5eadd368-ca5b-410e-8795-4ceb03b70442" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets_629d0ebe-8fcd-4215-a16e-a045d1815674" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessTierOneLeverageCapitalToAverageAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_2eb733e3-e7e1-4964-bd13-64217ce89dd6" xlink:to="loc_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets_629d0ebe-8fcd-4215-a16e-a045d1815674" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital_8088ab2c-9c19-49c2-9759-c401f4969075" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Capital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_Capital_8088ab2c-9c19-49c2-9759-c401f4969075" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets_3aedc4b6-41ed-4d7b-8a39-42c23966ae46" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_CapitalToRiskWeightedAssets_3aedc4b6-41ed-4d7b-8a39-42c23966ae46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy_184dae01-c281-4e2b-a608-494cd7795897" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacy_184dae01-c281-4e2b-a608-494cd7795897" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_0962c112-70c0-442c-a309-215b3375f834" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_0962c112-70c0-442c-a309-215b3375f834" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessCapital_67ece623-7121-412c-804d-20c4923f819d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessCapital"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_ExcessCapital_67ece623-7121-412c-804d-20c4923f819d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessCapitalToRiskWeightedAssets_8aa1a386-0594-4d9b-b770-c3f955fcde86" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessCapitalToRiskWeightedAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_87f7a5c1-a378-4e70-96d4-d821c7d408a2" xlink:to="loc_us-gaap_ExcessCapitalToRiskWeightedAssets_8aa1a386-0594-4d9b-b770-c3f955fcde86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital_dc5389d4-5e48-4800-9393-1e1ce1dfd25a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_TierOneLeverageCapital_dc5389d4-5e48-4800-9393-1e1ce1dfd25a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_8fc80f13-1341-4d06-8c1b-350725175815" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_8fc80f13-1341-4d06-8c1b-350725175815" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_2dea0c21-cfe0-4610-990c-ae580be4387e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_2dea0c21-cfe0-4610-990c-ae580be4387e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_315117c1-f2de-4c02-95e3-0ecc3f599fb2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_315117c1-f2de-4c02-95e3-0ecc3f599fb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExcessTierOneLeverageCapital_7cbce59e-84f6-4a44-ae21-f0a09c539e02" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ExcessTierOneLeverageCapital"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_us-gaap_ExcessTierOneLeverageCapital_7cbce59e-84f6-4a44-ae21-f0a09c539e02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_BankingRegulationTier1LeverageCapitalExcessRatio_707e1734-552b-4661-9d40-650778c47c52" xlink:href="fbc-20231231.xsd#fbc_BankingRegulationTier1LeverageCapitalExcessRatio"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_71cd846d-05b5-4ee3-85f4-25e82c4b2a3b" xlink:to="loc_fbc_BankingRegulationTier1LeverageCapitalExcessRatio_707e1734-552b-4661-9d40-650778c47c52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestInPreferredStock_26281986-5ea1-4325-920d-2af1ee2da7be" xlink:href="fbc-20231231.xsd#fbc_InterestInPreferredStock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_fbc_InterestInPreferredStock_26281986-5ea1-4325-920d-2af1ee2da7be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_0dfb6671-d321-42c9-a7bc-9973c04390aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_adc8d309-d72a-4adb-b66d-45d325658012" xlink:to="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_0dfb6671-d321-42c9-a7bc-9973c04390aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CapitalPreferredStockandTreasuryStockDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_BrokersAndDealersAbstract_81e52642-4bb1-4fdd-af1a-2247fe676104" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_BrokersAndDealersAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_c1c0bfc5-6ebe-4e6e-8d59-2e897d1f94e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_BrokersAndDealersAbstract_81e52642-4bb1-4fdd-af1a-2247fe676104" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_c1c0bfc5-6ebe-4e6e-8d59-2e897d1f94e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_3a9fc361-33f0-4b65-bd0d-97dd66c2537d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_c1c0bfc5-6ebe-4e6e-8d59-2e897d1f94e4" xlink:to="loc_us-gaap_StatementClassOfStockAxis_3a9fc361-33f0-4b65-bd0d-97dd66c2537d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_8e995acc-da38-4003-a083-9408ea3e6b8f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_3a9fc361-33f0-4b65-bd0d-97dd66c2537d" xlink:to="loc_us-gaap_ClassOfStockDomain_8e995acc-da38-4003-a083-9408ea3e6b8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_5dc90b60-d8c2-4b09-adb5-0a4db830d60c" xlink:href="fbc-20231231.xsd#fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_8e995acc-da38-4003-a083-9408ea3e6b8f" xlink:to="loc_fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_5dc90b60-d8c2-4b09-adb5-0a4db830d60c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_c1c0bfc5-6ebe-4e6e-8d59-2e897d1f94e4" xlink:to="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_3c9c4043-a28e-4241-9b37-f71d6de04787" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_3c9c4043-a28e-4241-9b37-f71d6de04787" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_f92e1692-8f62-47a4-a888-5b699936f154" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_f92e1692-8f62-47a4-a888-5b699936f154" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference_a0ae0673-ca51-45e1-aae3-f3116aeda125" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_PreferredStockLiquidationPreference_a0ae0673-ca51-45e1-aae3-f3116aeda125" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PreferredStockLiquidationPreferencePerDepositaryShare_33fb23ec-2686-4c6e-85a3-b0687dcc29f5" xlink:href="fbc-20231231.xsd#fbc_PreferredStockLiquidationPreferencePerDepositaryShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_fbc_PreferredStockLiquidationPreferencePerDepositaryShare_33fb23ec-2686-4c6e-85a3-b0687dcc29f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_1c6f0024-f39e-454a-960e-b4634d8e99c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_1c6f0024-f39e-454a-960e-b4634d8e99c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage_80ea9625-580c-45c8-abfe-211d59f8279e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_PreferredStockDividendRatePercentage_80ea9625-580c-45c8-abfe-211d59f8279e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate_54792d18-a969-4b83-a706-34937b777c5a" xlink:href="fbc-20231231.xsd#fbc_PreferredStockDividendRateBasisSpreadOnVariableRate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate_54792d18-a969-4b83-a706-34937b777c5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_7acb9db6-24c8-4ec7-9a63-d59df761bc47" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchaseProgramAuthorizedAmount1"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_StockRepurchaseProgramAuthorizedAmount1_7acb9db6-24c8-4ec7-9a63-d59df761bc47" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired_093b1aa6-ca7c-404c-b3f7-ad64fb818c8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockSharesAcquired"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_TreasuryStockSharesAcquired_093b1aa6-ca7c-404c-b3f7-ad64fb818c8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_258f0c91-02d7-40b8-8166-cb3efc99b63c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockAcquiredAverageCostPerShare"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_TreasuryStockAcquiredAverageCostPerShare_258f0c91-02d7-40b8-8166-cb3efc99b63c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_5a095536-c5b6-458b-bb49-1c5700e1e8d3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_TreasuryStockValueAcquiredCostMethod_5a095536-c5b6-458b-bb49-1c5700e1e8d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_ca93ace5-fe6d-41ad-a7af-c65e01125e11" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_d157f056-de3b-4e7d-9e98-2a2ed5d5120f" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_ca93ace5-fe6d-41ad-a7af-c65e01125e11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_2bbafd3c-06ac-4c47-8fa3-1ba8cb5e2526" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_2bbafd3c-06ac-4c47-8fa3-1ba8cb5e2526" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_acbac573-9364-4971-a52d-4f963075266e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_acbac573-9364-4971-a52d-4f963075266e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_0314f3b5-c197-4dc9-a26d-e7a19ba2ade5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_acbac573-9364-4971-a52d-4f963075266e" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_0314f3b5-c197-4dc9-a26d-e7a19ba2ade5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_8c283495-2021-4e64-9e7c-3b7fe1ee553b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_0314f3b5-c197-4dc9-a26d-e7a19ba2ade5" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_8c283495-2021-4e64-9e7c-3b7fe1ee553b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_445fe90f-6dbb-4c6f-ab5a-32fe4271205d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_445fe90f-6dbb-4c6f-ab5a-32fe4271205d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_445fe90f-6dbb-4c6f-ab5a-32fe4271205d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_446dd01e-b2ef-46b1-b12d-671f13ae512f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_446dd01e-b2ef-46b1-b12d-671f13ae512f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_c556c29f-26e4-4482-8081-e6509a8387a9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_c556c29f-26e4-4482-8081-e6509a8387a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_f073606f-7175-4075-a921-afc75abf2216" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_763f6b7d-7a44-4d59-87d3-5c5e8cf46643" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_f073606f-7175-4075-a921-afc75abf2216" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_8681dfea-676c-40f2-9f18-899aa9bbeac0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FinancialInstrumentAxis_8681dfea-676c-40f2-9f18-899aa9bbeac0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1b62dbbf-bedf-4615-a268-d0509489a8e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_8681dfea-676c-40f2-9f18-899aa9bbeac0" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1b62dbbf-bedf-4615-a268-d0509489a8e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_2069b7df-830d-4108-ac6c-2c3abf00b068" xlink:href="fbc-20231231.xsd#fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1b62dbbf-bedf-4615-a268-d0509489a8e4" xlink:to="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_2069b7df-830d-4108-ac6c-2c3abf00b068" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_2069b7df-830d-4108-ac6c-2c3abf00b068" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2a181f53-8fef-4821-a40d-828702901150" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_2a181f53-8fef-4821-a40d-828702901150" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralizedMortgageObligationsMember_4997de6b-3d27-4f57-bd91-c511acdcf1d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralizedMortgageObligationsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:to="loc_us-gaap_CollateralizedMortgageObligationsMember_4997de6b-3d27-4f57-bd91-c511acdcf1d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_84e5e1ac-9c45-403a-abbc-589db6479fe2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_877bc670-af6b-4de0-98ae-79a56747abde" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_84e5e1ac-9c45-403a-abbc-589db6479fe2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember_2069b7df-830d-4108-ac6c-2c3abf00b068" xlink:to="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USTreasurySecuritiesMember_32654f69-ceab-4704-8b01-f8643720adc6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USTreasurySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_USTreasurySecuritiesMember_32654f69-ceab-4704-8b01-f8643720adc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_0dd4d52e-fd1e-4a0d-b38a-ee92787db4d8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember_0dd4d52e-fd1e-4a0d-b38a-ee92787db4d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_d6fcd824-0240-421d-88a3-1bdfed7ce178" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_d6fcd824-0240-421d-88a3-1bdfed7ce178" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MunicipalBondsMember_4e242820-a0aa-499b-adcd-f9d20a2b2cd5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MunicipalBondsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_MunicipalBondsMember_4e242820-a0aa-499b-adcd-f9d20a2b2cd5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateBondSecuritiesMember_456a6fa0-7efd-4a82-b391-bdb14fb76e6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateBondSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_CorporateBondSecuritiesMember_456a6fa0-7efd-4a82-b391-bdb14fb76e6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ForeignNotesMember_3cdbf5dc-bb7e-46e8-ad40-cb9f9556a10d" xlink:href="fbc-20231231.xsd#fbc_ForeignNotesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_fbc_ForeignNotesMember_3cdbf5dc-bb7e-46e8-ad40-cb9f9556a10d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNoteSecuritiesMember_9a867dc9-5c5a-4d3f-ae1c-5f80019897ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateNoteSecuritiesMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesMember_26b3144a-9d7d-4b42-8653-27dde4067caa" xlink:to="loc_us-gaap_CorporateNoteSecuritiesMember_9a867dc9-5c5a-4d3f-ae1c-5f80019897ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesMember_3a96a380-fbfd-4b41-a99a-d87517ece4e6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1b62dbbf-bedf-4615-a268-d0509489a8e4" xlink:to="loc_us-gaap_EquitySecuritiesMember_3a96a380-fbfd-4b41-a99a-d87517ece4e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MutualFundMember_161f9a5f-4d59-4423-bf50-3c60a64ca4d4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MutualFundMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquitySecuritiesMember_3a96a380-fbfd-4b41-a99a-d87517ece4e6" xlink:to="loc_us-gaap_MutualFundMember_161f9a5f-4d59-4423-bf50-3c60a64ca4d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_ad9807d8-2b1d-47b2-b56c-f897764854c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_ad9807d8-2b1d-47b2-b56c-f897764854c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_ad9807d8-2b1d-47b2-b56c-f897764854c7" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_InterestRateSwapsandSwaptionsMember_50205907-0840-4297-92b6-2f3cef337d1d" xlink:href="fbc-20231231.xsd#fbc_InterestRateSwapsandSwaptionsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:to="loc_fbc_InterestRateSwapsandSwaptionsMember_50205907-0840-4297-92b6-2f3cef337d1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FutureMember_b1f4457f-d35e-4e8a-aab2-f2d6796fea7a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FutureMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:to="loc_us-gaap_FutureMember_b1f4457f-d35e-4e8a-aab2-f2d6796fea7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_df173fc1-bb34-4c57-8f5c-36b03dc0c574" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_df173fc1-bb34-4c57-8f5c-36b03dc0c574" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_6bc0bd84-5a26-41e2-be39-e51fc86bc6f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_71250f39-7f33-4d69-af78-0150ebe6a1a0" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_6bc0bd84-5a26-41e2-be39-e51fc86bc6f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_b0aac264-5ab3-460e-85f7-bbc52f0758a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_b0aac264-5ab3-460e-85f7-bbc52f0758a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ab2d0d32-caf2-461a-9501-698ada3a28b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_b0aac264-5ab3-460e-85f7-bbc52f0758a2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ab2d0d32-caf2-461a-9501-698ada3a28b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_3bd3c60b-2d32-40bb-aa13-fa4934a6d380" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ab2d0d32-caf2-461a-9501-698ada3a28b2" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_3bd3c60b-2d32-40bb-aa13-fa4934a6d380" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cda44d2c-bbe7-43b9-b839-13f62ed097cd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cda44d2c-bbe7-43b9-b839-13f62ed097cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cda44d2c-bbe7-43b9-b839-13f62ed097cd" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_e05d2769-81f0-430d-a53c-5dd06b86426d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:to="loc_us-gaap_ResidentialMortgageMember_e05d2769-81f0-430d-a53c-5dd06b86426d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_8c4a8364-e485-4513-89b6-ab9b7478e07c" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionLoanMember_8c4a8364-e485-4513-89b6-ab9b7478e07c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialAndIndustrialLoansMember_8cffaed5-69a2-4ea1-a7bf-9406386f90f2" xlink:href="fbc-20231231.xsd#fbc_CommercialAndIndustrialLoansMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7da5613b-0145-4854-b07c-8e758f529690" xlink:to="loc_fbc_CommercialAndIndustrialLoansMember_8cffaed5-69a2-4ea1-a7bf-9406386f90f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_42c8fb7f-fef0-40c6-ab13-863db22bec88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_3554ad01-1813-437a-8473-0b0792a9e8b3" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_42c8fb7f-fef0-40c6-ab13-863db22bec88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_42c8fb7f-fef0-40c6-ab13-863db22bec88" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_7b70a0a4-7f67-493a-a926-e8bfb4fad549" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_7b70a0a4-7f67-493a-a926-e8bfb4fad549" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_fa7ac072-5fd6-43d5-867a-ecb75fd352e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_fa7ac072-5fd6-43d5-867a-ecb75fd352e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecurities_a480baba-9337-4fad-8339-ba7653d60186" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecurities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_MarketableSecurities_a480baba-9337-4fad-8339-ba7653d60186" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_d3efca4a-9007-49b6-99f4-d4facbb883c9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_d3efca4a-9007-49b6-99f4-d4facbb883c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_4f51f20e-9306-4dbb-a465-fca7ae54f52f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_DerivativeAssets_4f51f20e-9306-4dbb-a465-fca7ae54f52f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_60f786fe-e322-4e26-b4bd-06d35a84ee9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_60f786fe-e322-4e26-b4bd-06d35a84ee9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_73185102-b11b-4159-a407-30c76484da07" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_4efaa1b9-a148-427d-8fbf-d964c1160f2f" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_73185102-b11b-4159-a407-30c76484da07" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_79d4ffff-a1a7-4123-a471-bc631c4145f2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_42c8fb7f-fef0-40c6-ab13-863db22bec88" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_79d4ffff-a1a7-4123-a471-bc631c4145f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_fc247158-a02b-4ff8-9161-0694ac6e781b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_79d4ffff-a1a7-4123-a471-bc631c4145f2" xlink:to="loc_us-gaap_DerivativeLiabilities_fc247158-a02b-4ff8-9161-0694ac6e781b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_de6285e3-74d3-448e-9c51-c99d1703c1aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_79d4ffff-a1a7-4123-a471-bc631c4145f2" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosure_de6285e3-74d3-448e-9c51-c99d1703c1aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresRollForwardofFinancialInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_16049d76-95f7-4325-a624-118af00052ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_84600994-e4ff-40ac-9f73-28aad8bdbdf7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_16049d76-95f7-4325-a624-118af00052ef" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_84600994-e4ff-40ac-9f73-28aad8bdbdf7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d8cd8832-ca4f-461f-93a1-1db52725072d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_84600994-e4ff-40ac-9f73-28aad8bdbdf7" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d8cd8832-ca4f-461f-93a1-1db52725072d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b90bf2ab-69f4-4e42-a196-abb93e1d1250" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_d8cd8832-ca4f-461f-93a1-1db52725072d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b90bf2ab-69f4-4e42-a196-abb93e1d1250" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_24485928-1dfb-449e-95cf-06069548ac1e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b90bf2ab-69f4-4e42-a196-abb93e1d1250" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_24485928-1dfb-449e-95cf-06069548ac1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_19b79b7a-2b66-4902-8062-5efc7b0cf746" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_84600994-e4ff-40ac-9f73-28aad8bdbdf7" xlink:to="loc_us-gaap_FinancialInstrumentAxis_19b79b7a-2b66-4902-8062-5efc7b0cf746" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_19b79b7a-2b66-4902-8062-5efc7b0cf746" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMember_5b8a7aed-9d8d-41b5-bb1d-5f078cb07126" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:to="loc_fbc_MortgageServicingRightsMember_5b8a7aed-9d8d-41b5-bb1d-5f078cb07126" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_fa81113e-3952-40d0-9237-16e6c278bd6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_fa81113e-3952-40d0-9237-16e6c278bd6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_76958faa-4c0a-4058-b423-44f11abf191f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ee4fe98e-2970-4ab7-bc4a-d9fd468b9149" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_76958faa-4c0a-4058-b423-44f11abf191f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_596ed956-e3bb-4923-84b3-28d08cfac3dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_84600994-e4ff-40ac-9f73-28aad8bdbdf7" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_596ed956-e3bb-4923-84b3-28d08cfac3dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_596ed956-e3bb-4923-84b3-28d08cfac3dd" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_690afac0-7fdd-44cd-bf31-3beee7d9a04a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_690afac0-7fdd-44cd-bf31-3beee7d9a04a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_4c738922-acb7-4a0a-a937-47f55c1dcb88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_4c738922-acb7-4a0a-a937-47f55c1dcb88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_010c1c81-e480-4594-83bc-83f41529ce0c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_010c1c81-e480-4594-83bc-83f41529ce0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_1330f3e3-77ab-44f9-8d18-6e0919e16a9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales_1330f3e3-77ab-44f9-8d18-6e0919e16a9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_302e71fb-3108-4aa1-ae3a-917e64637849" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements_302e71fb-3108-4aa1-ae3a-917e64637849" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_c35b5058-0a9a-4694-83a4-d60449b9ecbd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_c35b5058-0a9a-4694-83a4-d60449b9ecbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_9302c882-d6b5-4196-b588-f8def80f7835" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_72b6b9ed-fa6a-42ff-81a1-714222c3da97" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_9302c882-d6b5-4196-b588-f8def80f7835" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_a196f628-4cff-4ff3-9668-9ab1d58bcc9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_596ed956-e3bb-4923-84b3-28d08cfac3dd" xlink:to="loc_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList_a196f628-4cff-4ff3-9668-9ab1d58bcc9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_773c112c-c102-4071-bee3-2f681ef2548a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_773c112c-c102-4071-bee3-2f681ef2548a" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_02cf9a77-c8c2-475c-a879-2ebd96bdb423" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_02cf9a77-c8c2-475c-a879-2ebd96bdb423" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b8520aaa-2d73-439d-8b4d-9acc704af522" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_02cf9a77-c8c2-475c-a879-2ebd96bdb423" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b8520aaa-2d73-439d-8b4d-9acc704af522" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_cfaf1a46-3d9f-4f48-8f25-972a7ee20497" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_b8520aaa-2d73-439d-8b4d-9acc704af522" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_cfaf1a46-3d9f-4f48-8f25-972a7ee20497" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_6c0a4044-c8e7-4b97-98c5-aad7b10f266f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_6c0a4044-c8e7-4b97-98c5-aad7b10f266f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_6c0a4044-c8e7-4b97-98c5-aad7b10f266f" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputOptionVolatilityMember_5c79e684-caed-4f5d-8cb0-810ffb15fe91" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputOptionVolatilityMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_MeasurementInputOptionVolatilityMember_5c79e684-caed-4f5d-8cb0-810ffb15fe91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember_5ccf3440-e30f-4faa-b5ab-bba84497390e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputConstantPrepaymentRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_MeasurementInputConstantPrepaymentRateMember_5ccf3440-e30f-4faa-b5ab-bba84497390e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WeightedAverageCosttoServicePerLoanMember_026efadd-3111-4de1-9187-a53c98cb2a6a" xlink:href="fbc-20231231.xsd#fbc_WeightedAverageCosttoServicePerLoanMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_fbc_WeightedAverageCosttoServicePerLoanMember_026efadd-3111-4de1-9187-a53c98cb2a6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MeasurementInputOriginationPullThroughMember_74c85c89-f047-4a1a-8ae7-fc42af0fd897" xlink:href="fbc-20231231.xsd#fbc_MeasurementInputOriginationPullThroughMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_fbc_MeasurementInputOriginationPullThroughMember_74c85c89-f047-4a1a-8ae7-fc42af0fd897" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDefaultRateMember_0df4ac46-a6a3-4426-8c9c-01ded6a53d7d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputDefaultRateMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_MeasurementInputDefaultRateMember_0df4ac46-a6a3-4426-8c9c-01ded6a53d7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputExpectedTermMember_ca7b016d-360a-46ea-bd97-0452df66eb34" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputExpectedTermMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_MeasurementInputExpectedTermMember_ca7b016d-360a-46ea-bd97-0452df66eb34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_21bbe51c-a6da-4d91-896e-1c9ca9341d4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_0bf5a58e-b1ab-4211-b91f-98fc3a525725" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_21bbe51c-a6da-4d91-896e-1c9ca9341d4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_38d1b93f-48a3-4634-a5cb-74ae7de47375" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_srt_RangeAxis_38d1b93f-48a3-4634-a5cb-74ae7de47375" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_38d1b93f-48a3-4634-a5cb-74ae7de47375" xlink:to="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_8250834d-2f3b-4587-83d2-3f2a6fb7331c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:to="loc_srt_MinimumMember_8250834d-2f3b-4587-83d2-3f2a6fb7331c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_adee6c42-90f6-4c57-bdd1-fb76c8dfa1dd" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:to="loc_srt_MaximumMember_adee6c42-90f6-4c57-bdd1-fb76c8dfa1dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_e147dca0-6a0c-44ac-aaea-0881269cd489" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_42fafe91-647a-40a1-b6f2-5f235409c997" xlink:to="loc_srt_WeightedAverageMember_e147dca0-6a0c-44ac-aaea-0881269cd489" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_aecc1e3e-7d55-4735-8573-945b9e570928" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_aecc1e3e-7d55-4735-8573-945b9e570928" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_44c53339-27f9-467b-addf-1ff276dcfa91" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_aecc1e3e-7d55-4735-8573-945b9e570928" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_44c53339-27f9-467b-addf-1ff276dcfa91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_a830dc38-aed9-4383-9f65-ecec6926bd69" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_44c53339-27f9-467b-addf-1ff276dcfa91" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_a830dc38-aed9-4383-9f65-ecec6926bd69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_962ea1a1-2b73-40ea-bd65-e522b1f6026a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_962ea1a1-2b73-40ea-bd65-e522b1f6026a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_ca09f95f-4b8d-4cd5-84a5-c4bb37439760" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_962ea1a1-2b73-40ea-bd65-e522b1f6026a" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_ca09f95f-4b8d-4cd5-84a5-c4bb37439760" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_81a12070-ce83-469e-91e6-7b69b6dda908" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_ca09f95f-4b8d-4cd5-84a5-c4bb37439760" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_81a12070-ce83-469e-91e6-7b69b6dda908" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_04a35c92-e57a-4a76-a0c1-f06d84ecdf9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_FinancialInstrumentAxis_04a35c92-e57a-4a76-a0c1-f06d84ecdf9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_09520d95-dd8b-4d22-b2e5-9368f4b77138" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_04a35c92-e57a-4a76-a0c1-f06d84ecdf9f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_09520d95-dd8b-4d22-b2e5-9368f4b77138" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageServicingRightsMember_2e242860-5687-4d81-8eaa-f89fa1885826" xlink:href="fbc-20231231.xsd#fbc_MortgageServicingRightsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_09520d95-dd8b-4d22-b2e5-9368f4b77138" xlink:to="loc_fbc_MortgageServicingRightsMember_2e242860-5687-4d81-8eaa-f89fa1885826" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_f096413d-dcbd-43e9-a952-4bb2fcd7e185" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_09520d95-dd8b-4d22-b2e5-9368f4b77138" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_f096413d-dcbd-43e9-a952-4bb2fcd7e185" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_79158c85-66a3-4122-a8e9-70ac1b26e191" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_406765ca-d74b-4e55-9dc5-3ecae9c3ec0a" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_79158c85-66a3-4122-a8e9-70ac1b26e191" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_79158c85-66a3-4122-a8e9-70ac1b26e191" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_dbc1dbaa-2b17-4c7f-8263-0a4201a904e6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_dbc1dbaa-2b17-4c7f-8263-0a4201a904e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput_0899fd39-787a-4bfc-a162-44c05449e76d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:to="loc_us-gaap_ServicingAssetMeasurementInput_0899fd39-787a-4bfc-a162-44c05449e76d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d1aab312-9066-46df-bf34-f4f30a0da24e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d1aab312-9066-46df-bf34-f4f30a0da24e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_398cb3a7-6a97-448c-9804-0936035694f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_27a712d3-bd04-4556-b520-ec4396285fbf" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput_398cb3a7-6a97-448c-9804-0936035694f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_98f473e3-c63a-45e6-82fe-c4698b7dc0bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_79158c85-66a3-4122-a8e9-70ac1b26e191" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_98f473e3-c63a-45e6-82fe-c4698b7dc0bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_4fe9d800-da5b-4589-acb4-6c56797dcc1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_98f473e3-c63a-45e6-82fe-c4698b7dc0bb" xlink:to="loc_us-gaap_DerivativeLiabilities_4fe9d800-da5b-4589-acb4-6c56797dcc1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityMeasurementInput_86000f14-2edc-4684-9ac9-d9e73620ea84" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilityMeasurementInput"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_98f473e3-c63a-45e6-82fe-c4698b7dc0bb" xlink:to="loc_us-gaap_DerivativeLiabilityMeasurementInput_86000f14-2edc-4684-9ac9-d9e73620ea84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_2362a3be-34c1-411b-aef5-5685b894f0b9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b8f6e23f-f734-442b-94cb-9ca32852edc1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_2362a3be-34c1-411b-aef5-5685b894f0b9" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b8f6e23f-f734-442b-94cb-9ca32852edc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_417b68ee-185f-4919-b5d8-07fe0a94a16e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b8f6e23f-f734-442b-94cb-9ca32852edc1" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_417b68ee-185f-4919-b5d8-07fe0a94a16e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_ed852c05-07c1-4e3b-ab99-e99a93a78730" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_417b68ee-185f-4919-b5d8-07fe0a94a16e" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_ed852c05-07c1-4e3b-ab99-e99a93a78730" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_1832cff9-b98d-4935-8a50-57d8c3df0b9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_ed852c05-07c1-4e3b-ab99-e99a93a78730" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_1832cff9-b98d-4935-8a50-57d8c3df0b9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1d026da7-f5b4-4113-9e82-c7c6721f04ba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b8f6e23f-f734-442b-94cb-9ca32852edc1" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1d026da7-f5b4-4113-9e82-c7c6721f04ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1d026da7-f5b4-4113-9e82-c7c6721f04ba" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_5ce37a79-0c02-4b7d-928c-2a82e6f4bb9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_5ce37a79-0c02-4b7d-928c-2a82e6f4bb9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_d096c8e0-b7a2-4cac-981a-d147f103b03c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_d096c8e0-b7a2-4cac-981a-d147f103b03c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_cda810db-6915-42a4-9267-3aff10e1d3b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_f865c321-4915-4bdd-8b7b-372e21f76f0a" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_cda810db-6915-42a4-9267-3aff10e1d3b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b8f6e23f-f734-442b-94cb-9ca32852edc1" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_ImpairedLoansFairValueDisclosure_8f338123-4be2-41e6-9d12-0c13902cd9b9" xlink:href="fbc-20231231.xsd#fbc_ImpairedLoansFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:to="loc_fbc_ImpairedLoansFairValueDisclosure_8f338123-4be2-41e6-9d12-0c13902cd9b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsFairValueDisclosure_32f117fa-188b-419b-91ad-44d36d8b39db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssetsFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:to="loc_us-gaap_OtherAssetsFairValueDisclosure_32f117fa-188b-419b-91ad-44d36d8b39db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_e767e50d-2340-46db-b320-103785f5e9c3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_9d640ee4-adcd-4b80-bfbf-4a2ab76d6b2e" xlink:to="loc_us-gaap_AssetsFairValueDisclosure_e767e50d-2340-46db-b320-103785f5e9c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_87b8e4ef-be7c-432d-8d34-ea514bc9d3d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_d9c22b28-4f95-48b9-9f51-bd65d790c6d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_87b8e4ef-be7c-432d-8d34-ea514bc9d3d6" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_d9c22b28-4f95-48b9-9f51-bd65d790c6d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_a2868a42-f5fc-490d-a4d7-281b149676eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_d9c22b28-4f95-48b9-9f51-bd65d790c6d2" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_a2868a42-f5fc-490d-a4d7-281b149676eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_a2868a42-f5fc-490d-a4d7-281b149676eb" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_84c5b8bd-c2e8-45b7-a913-11969f3f2a9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_84c5b8bd-c2e8-45b7-a913-11969f3f2a9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_61eb0d26-614c-4bcf-8ec4-72b0451346e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_61eb0d26-614c-4bcf-8ec4-72b0451346e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_2153c8d9-0afb-41cc-bc00-56cb986eb6b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_bd7dfa39-ec58-4083-ad3e-4d66149aeefe" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_2153c8d9-0afb-41cc-bc00-56cb986eb6b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9886f93f-2813-4b9a-9fe6-9bba9cad9be9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_d9c22b28-4f95-48b9-9f51-bd65d790c6d2" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9886f93f-2813-4b9a-9fe6-9bba9cad9be9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_9886f93f-2813-4b9a-9fe6-9bba9cad9be9" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_82b2afb8-8722-4d6f-a336-ceb1f3443edc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_82b2afb8-8722-4d6f-a336-ceb1f3443edc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_5969c724-3c81-4674-85aa-a191680b5b55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_5969c724-3c81-4674-85aa-a191680b5b55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_90f7184b-b2ad-4d4d-b38d-ed1dba53f22c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_ea72859e-bc63-4324-bf6f-c4108f4cf16c" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_90f7184b-b2ad-4d4d-b38d-ed1dba53f22c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d8e795ca-e9cf-48be-9b68-3aa9cf0fd215" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_d9c22b28-4f95-48b9-9f51-bd65d790c6d2" xlink:to="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d8e795ca-e9cf-48be-9b68-3aa9cf0fd215" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d8e795ca-e9cf-48be-9b68-3aa9cf0fd215" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_58772538-bf7e-464b-be74-0660babc8e74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_58772538-bf7e-464b-be74-0660babc8e74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure_51347d64-e07a-4539-93c3-abe8ac4b40a3" xlink:href="fbc-20231231.xsd#fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:to="loc_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure_51347d64-e07a-4539-93c3-abe8ac4b40a3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_b77481ed-71ec-46be-8040-8a88a60b8ef7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_e841ed21-f263-4175-8f5a-5f653ab95a17" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_b77481ed-71ec-46be-8040-8a88a60b8ef7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_4e53603c-29a0-485d-910b-464eebdaff73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_d8e795ca-e9cf-48be-9b68-3aa9cf0fd215" xlink:to="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_4e53603c-29a0-485d-910b-464eebdaff73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsFairValueDisclosure_71054224-7dd3-4653-9d50-eb2f2b7f7588" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_4e53603c-29a0-485d-910b-464eebdaff73" xlink:to="loc_us-gaap_DepositsFairValueDisclosure_71054224-7dd3-4653-9d50-eb2f2b7f7588" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtFairValue_82bece6a-e015-4f8d-885a-0ce346da72d0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LongTermDebtFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract_4e53603c-29a0-485d-910b-464eebdaff73" xlink:to="loc_us-gaap_LongTermDebtFairValue_82bece6a-e015-4f8d-885a-0ce346da72d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_f0749392-e607-4b50-bed2-f6d448878646" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_ed3210ee-e245-4dd2-9bc3-7e3c666dea2b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_f0749392-e607-4b50-bed2-f6d448878646" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_ed3210ee-e245-4dd2-9bc3-7e3c666dea2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_81f97109-58d1-4154-8bf7-ea8d02182842" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_ed3210ee-e245-4dd2-9bc3-7e3c666dea2b" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_81f97109-58d1-4154-8bf7-ea8d02182842" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_64bd3aaf-17e9-4c7a-af42-042d9528d484" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_81f97109-58d1-4154-8bf7-ea8d02182842" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_64bd3aaf-17e9-4c7a-af42-042d9528d484" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputExpectedTermMember_a0025024-111f-4e0a-ad0d-010f489f5e9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputExpectedTermMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_64bd3aaf-17e9-4c7a-af42-042d9528d484" xlink:to="loc_us-gaap_MeasurementInputExpectedTermMember_a0025024-111f-4e0a-ad0d-010f489f5e9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_46982ef9-5a27-4750-83f0-1c7d0f5d5007" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_ed3210ee-e245-4dd2-9bc3-7e3c666dea2b" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_46982ef9-5a27-4750-83f0-1c7d0f5d5007" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput_81764662-f120-4cec-a739-8756abadb26b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_46982ef9-5a27-4750-83f0-1c7d0f5d5007" xlink:to="loc_us-gaap_ServicingAssetMeasurementInput_81764662-f120-4cec-a739-8756abadb26b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresChangesinFairValueIncludedinEarningsFairValueOptionDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresChangesinFairValueIncludedinEarningsFairValueOptionDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresChangesinFairValueIncludedinEarningsFairValueOptionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_0075be0b-6c9d-444e-9719-0ce702df3b4d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_2c83dc7c-0e0c-48d6-b257-daa499b019df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionChangesInFairValueGainLoss1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_0075be0b-6c9d-444e-9719-0ce702df3b4d" xlink:to="loc_us-gaap_FairValueOptionChangesInFairValueGainLoss1_2c83dc7c-0e0c-48d6-b257-daa499b019df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_ee2f29e1-db28-45fb-97fa-0574eea7afdd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_23fee5bd-922e-42f2-b2e7-db759cbdc593" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_ee2f29e1-db28-45fb-97fa-0574eea7afdd" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_23fee5bd-922e-42f2-b2e7-db759cbdc593" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_60e280b4-5938-4e8a-bb5d-91daca5ecd7d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_23fee5bd-922e-42f2-b2e7-db759cbdc593" xlink:to="loc_us-gaap_FinancialInstrumentAxis_60e280b4-5938-4e8a-bb5d-91daca5ecd7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cbdf40cf-f1ee-494e-90ca-afa750d12feb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_60e280b4-5938-4e8a-bb5d-91daca5ecd7d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cbdf40cf-f1ee-494e-90ca-afa750d12feb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_LoansHeldForSaleMember_8d9dc9c5-9fda-40a4-ad99-462ce5229070" xlink:href="fbc-20231231.xsd#fbc_LoansHeldForSaleMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cbdf40cf-f1ee-494e-90ca-afa750d12feb" xlink:to="loc_fbc_LoansHeldForSaleMember_8d9dc9c5-9fda-40a4-ad99-462ce5229070" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_07efd3d9-896e-4c2d-b605-5d1d0f9314f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_23fee5bd-922e-42f2-b2e7-db759cbdc593" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_07efd3d9-896e-4c2d-b605-5d1d0f9314f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_439a399e-26ac-4f90-a62b-ad789437cd5d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_07efd3d9-896e-4c2d-b605-5d1d0f9314f5" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_439a399e-26ac-4f90-a62b-ad789437cd5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NonaccrualLoansMember_952d91f0-45a4-4fff-99d7-0e24ca80b4a7" xlink:href="fbc-20231231.xsd#fbc_NonaccrualLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_439a399e-26ac-4f90-a62b-ad789437cd5d" xlink:to="loc_fbc_NonaccrualLoansMember_952d91f0-45a4-4fff-99d7-0e24ca80b4a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformingFinancingReceivableMember_52bc0596-c864-4a05-b2df-76e343d86561" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformingFinancingReceivableMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_439a399e-26ac-4f90-a62b-ad789437cd5d" xlink:to="loc_us-gaap_PerformingFinancingReceivableMember_52bc0596-c864-4a05-b2df-76e343d86561" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_23fee5bd-922e-42f2-b2e7-db759cbdc593" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FairValueOptionContractualPrincipalOutstandingAssets_62f4d95f-230c-4f3c-ba69-640b9bfce14b" xlink:href="fbc-20231231.xsd#fbc_FairValueOptionContractualPrincipalOutstandingAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:to="loc_fbc_FairValueOptionContractualPrincipalOutstandingAssets_62f4d95f-230c-4f3c-ba69-640b9bfce14b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FairValueOptionLoansHeldAsAssets_0b46d55f-1642-436c-b80b-805b89b2df4d" xlink:href="fbc-20231231.xsd#fbc_FairValueOptionLoansHeldAsAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:to="loc_fbc_FairValueOptionLoansHeldAsAssets_0b46d55f-1642-436c-b80b-805b89b2df4d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference_5e454cf1-d465-48d0-b23e-289aeacf3b74" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:to="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference_5e454cf1-d465-48d0-b23e-289aeacf3b74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference_dd71f283-5b34-4fdb-bd10-e896bfa75df2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_69e0363f-db25-40f9-9824-28e34250e47c" xlink:to="loc_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference_dd71f283-5b34-4fdb-bd10-e896bfa75df2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsObligationsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_f7c5f086-3357-4e5b-b62d-27044fb41f88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_c96ccd09-7403-49f4-a15c-a016cb4245df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_f7c5f086-3357-4e5b-b62d-27044fb41f88" xlink:to="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_c96ccd09-7403-49f4-a15c-a016cb4245df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_7865dcdf-2a20-4d11-acaf-3311104772bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_c96ccd09-7403-49f4-a15c-a016cb4245df" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_7865dcdf-2a20-4d11-acaf-3311104772bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_628f621d-d9c4-43e9-9ce7-aeee81170a73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_7865dcdf-2a20-4d11-acaf-3311104772bd" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_628f621d-d9c4-43e9-9ce7-aeee81170a73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_62646c71-0e4e-4c0a-9ed6-23e6964b71ea" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_628f621d-d9c4-43e9-9ce7-aeee81170a73" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_62646c71-0e4e-4c0a-9ed6-23e6964b71ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PostemploymentRetirementBenefitsMember_4ef419c4-f92e-497b-8266-4a6c6cf7477a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PostemploymentRetirementBenefitsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_628f621d-d9c4-43e9-9ce7-aeee81170a73" xlink:to="loc_us-gaap_PostemploymentRetirementBenefitsMember_4ef419c4-f92e-497b-8266-4a6c6cf7477a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_c96ccd09-7403-49f4-a15c-a016cb4245df" xlink:to="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanBenefitObligation_106d20e2-8854-4621-8131-f9531ee21406" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanBenefitObligation"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanBenefitObligation_106d20e2-8854-4621-8131-f9531ee21406" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_09e980de-afbe-4f5e-8af0-77d81a398d9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_09e980de-afbe-4f5e-8af0-77d81a398d9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss_6e331cbe-e6b7-4285-bc86-998e4feb5c98" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss_6e331cbe-e6b7-4285-bc86-998e4feb5c98" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid_20f687ab-3d92-4d42-9bb2-db8461fd63f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid_20f687ab-3d92-4d42-9bb2-db8461fd63f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation_5a2bda2f-e10a-4bae-adac-b428939f655b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanSettlementsBenefitObligation"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation_5a2bda2f-e10a-4bae-adac-b428939f655b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanBenefitObligation_cd95f9ef-9aa8-47f0-bbdc-edb5ada04775" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanBenefitObligation"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward_b75d3c9c-3edb-4f97-b72f-1797231288e1" xlink:to="loc_us-gaap_DefinedBenefitPlanBenefitObligation_cd95f9ef-9aa8-47f0-bbdc-edb5ada04775" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_dc23dc41-031e-49ff-b1fe-d1fd054843e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_dc23dc41-031e-49ff-b1fe-d1fd054843e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets_659fce6e-63db-4622-8b0f-39cd05e06c52" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets_659fce6e-63db-4622-8b0f-39cd05e06c52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanContributionsByEmployer_ee925b34-e336-41dd-a050-d99242e73f88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanContributionsByEmployer_ee925b34-e336-41dd-a050-d99242e73f88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid_d582281f-15d2-4271-a0f0-251e96f4b24f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid_d582281f-15d2-4271-a0f0-251e96f4b24f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanSettlementsPlanAssets_4c5f461a-f850-45b3-a0c8-022a7211f8d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanSettlementsPlanAssets"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanSettlementsPlanAssets_4c5f461a-f850-45b3-a0c8-022a7211f8d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_234faed8-8151-4c07-b967-4902aa5aec88" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward_2cc35b29-4c22-40c0-951e-88ee64c672d6" xlink:to="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_234faed8-8151-4c07-b967-4902aa5aec88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFundedStatusOfPlan_d86c0314-a7ca-4f90-a852-ecc4b6288d46" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlan"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_DefinedBenefitPlanFundedStatusOfPlan_d86c0314-a7ca-4f90-a852-ecc4b6288d46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_fff5dedc-5d4f-46b9-8e72-1ada59ef57d0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_fff5dedc-5d4f-46b9-8e72-1ada59ef57d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_c67f0917-74a8-492d-a0c5-3be4a200a033" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_c67f0917-74a8-492d-a0c5-3be4a200a033" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax_7d888a9c-8ec3-4af0-b36a-3ea200eea4d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax_7d888a9c-8ec3-4af0-b36a-3ea200eea4d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax_6f62413f-36cf-4b94-a104-f1ec7efbb05b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract_f625860f-026a-4d30-8c42-e8b558c5bb6e" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax_6f62413f-36cf-4b94-a104-f1ec7efbb05b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_404b9d6e-f1a9-4ce7-926d-0f8fecbe3b05" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_5f036a8d-08d8-4d62-88a3-d547d94cdc81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:to="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax_5f036a8d-08d8-4d62-88a3-d547d94cdc81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_b67612d2-f678-4725-b654-69bac170e0ad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:to="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax_b67612d2-f678-4725-b654-69bac170e0ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_a4ff359a-c2e4-45dd-b82f-d2810fce3d9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract_1ac8e2e2-8c56-4345-a057-cdaef249a529" xlink:to="loc_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax_a4ff359a-c2e4-45dd-b82f-d2810fce3d9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_9982bc1b-52dd-440c-8582-6f86692d4b21" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_9982bc1b-52dd-440c-8582-6f86692d4b21" xlink:to="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_8f601306-0973-4e19-bde8-374a2ebb3726" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_8f601306-0973-4e19-bde8-374a2ebb3726" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_8f601306-0973-4e19-bde8-374a2ebb3726" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_01ca72ee-d082-472e-b1df-0535030ac680" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_01ca72ee-d082-472e-b1df-0535030ac680" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember_597f5915-4d61-4283-8992-701881744588" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:to="loc_us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember_597f5915-4d61-4283-8992-701881744588" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PostemploymentRetirementBenefitsMember_8954e0a4-2ec6-4b40-9b71-03de4d6c167e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PostemploymentRetirementBenefitsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_6689c534-8e4a-423c-a528-2b4c33ec8323" xlink:to="loc_us-gaap_PostemploymentRetirementBenefitsMember_8954e0a4-2ec6-4b40-9b71-03de4d6c167e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_103bdd87-c4f2-4542-8a28-97386c8fd085" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:to="loc_srt_RangeAxis_103bdd87-c4f2-4542-8a28-97386c8fd085" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_a3442c5b-6739-4345-8e08-72ed8d0aefc0" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_103bdd87-c4f2-4542-8a28-97386c8fd085" xlink:to="loc_srt_RangeMember_a3442c5b-6739-4345-8e08-72ed8d0aefc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_fd51fe4f-6df7-463f-9b5b-86e869108568" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_a3442c5b-6739-4345-8e08-72ed8d0aefc0" xlink:to="loc_srt_MinimumMember_fd51fe4f-6df7-463f-9b5b-86e869108568" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_48e8700c-29d3-4b81-a5bd-a4476aed3802" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_a3442c5b-6739-4345-8e08-72ed8d0aefc0" xlink:to="loc_srt_MaximumMember_48e8700c-29d3-4b81-a5bd-a4476aed3802" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_ce8577fa-71ca-4998-b439-da0c2ef77050" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:to="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_ce8577fa-71ca-4998-b439-da0c2ef77050" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_209142ff-07a6-4f81-a909-9c1575995216" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_ce8577fa-71ca-4998-b439-da0c2ef77050" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_209142ff-07a6-4f81-a909-9c1575995216" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_c19c5845-9c02-4e52-aa4a-050fc8181374" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_209142ff-07a6-4f81-a909-9c1575995216" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_c19c5845-9c02-4e52-aa4a-050fc8181374" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember_d86e7401-c8e6-4eb0-bbcd-889d2c81da4f" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_209142ff-07a6-4f81-a909-9c1575995216" xlink:to="loc_fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember_d86e7401-c8e6-4eb0-bbcd-889d2c81da4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_389c1a17-46a9-4336-9431-2deb99a8b68d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatementScenarioAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:to="loc_srt_StatementScenarioAxis_389c1a17-46a9-4336-9431-2deb99a8b68d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_261d9165-912e-4744-9567-dbd69f9a7f3c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementScenarioAxis_389c1a17-46a9-4336-9431-2deb99a8b68d" xlink:to="loc_srt_ScenarioUnspecifiedDomain_261d9165-912e-4744-9567-dbd69f9a7f3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioForecastMember_759eeda3-e6d6-4c55-b774-7bfc777f4d70" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioForecastMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScenarioUnspecifiedDomain_261d9165-912e-4744-9567-dbd69f9a7f3c" xlink:to="loc_srt_ScenarioForecastMember_759eeda3-e6d6-4c55-b774-7bfc777f4d70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_af12987e-14e0-46a5-b623-51bf47d50b64" xlink:to="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_dd0dd6b6-a2b0-4bc2-a406-eb83d48940b1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate_dd0dd6b6-a2b0-4bc2-a406-eb83d48940b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_c602d7ff-7a46-451c-ab12-0191fb25d7b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_c602d7ff-7a46-451c-ab12-0191fb25d7b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease_f8c1ce2f-8ecb-4440-8ec1-e38041fb5312" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease_f8c1ce2f-8ecb-4440-8ec1-e38041fb5312" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets_07c82276-ba66-4b7d-b799-c2c6a949e915" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets_07c82276-ba66-4b7d-b799-c2c6a949e915" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanCostRecognized_00436739-e4ec-44fd-a7cd-191f9943f8dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedContributionPlanCostRecognized"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedContributionPlanCostRecognized_00436739-e4ec-44fd-a7cd-191f9943f8dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_0134fc6b-d2ce-424d-a096-3fceda80706c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax_0134fc6b-d2ce-424d-a096-3fceda80706c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_dfff48c9-08f9-4873-a032-d44fe04e78b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax_dfff48c9-08f9-4873-a032-d44fe04e78b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_ec46d5fe-4e49-4808-93b0-d22224df2ddc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_ec46d5fe-4e49-4808-93b0-d22224df2ddc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss_584050b3-789e-48a3-b17a-0c68a3a96f5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanActuarialGainLoss"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanActuarialGainLoss_584050b3-789e-48a3-b17a-0c68a3a96f5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear_28ca4baa-957f-4d32-87e4-b39e67432475" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear_28ca4baa-957f-4d32-87e4-b39e67432475" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_6a3a5fbd-7adf-42e7-bf53-ed454d855a4c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_63ae2b75-c193-45b7-9179-100c12f543e4" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_6a3a5fbd-7adf-42e7-bf53-ed454d855a4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsScheduleofNetBenefitCostsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_c17bcc9f-23f7-4ad6-b77a-71653255b2bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_57b89bc1-8a30-40d2-b365-f81039adf736" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_c17bcc9f-23f7-4ad6-b77a-71653255b2bd" xlink:to="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_57b89bc1-8a30-40d2-b365-f81039adf736" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_cabb4cf9-bba6-4df6-bb3a-d9fed60c774c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_57b89bc1-8a30-40d2-b365-f81039adf736" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_cabb4cf9-bba6-4df6-bb3a-d9fed60c774c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_470dfc1d-a298-4175-b03b-029a0e715076" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_cabb4cf9-bba6-4df6-bb3a-d9fed60c774c" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_470dfc1d-a298-4175-b03b-029a0e715076" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_b3c3c82c-1a9f-468c-acd7-e68f473ed2bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_470dfc1d-a298-4175-b03b-029a0e715076" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_b3c3c82c-1a9f-468c-acd7-e68f473ed2bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_dd2eb7f5-f431-4868-8425-a43c3692786b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDisclosureLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable_57b89bc1-8a30-40d2-b365-f81039adf736" xlink:to="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_dd2eb7f5-f431-4868-8425-a43c3692786b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanDisclosureLineItems_dd2eb7f5-f431-4868-8425-a43c3692786b" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanInterestCost_c479f02f-488d-43e7-b8b9-7d64ff567b86" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanInterestCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:to="loc_us-gaap_DefinedBenefitPlanInterestCost_c479f02f-488d-43e7-b8b9-7d64ff567b86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_c9e5e84b-d486-464f-83fb-5ea27e06e73e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets_c9e5e84b-d486-464f-83fb-5ea27e06e73e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_b76be6ad-2f47-450a-9c6e-8686c37017c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:to="loc_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses_b76be6ad-2f47-450a-9c6e-8686c37017c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_95856d2d-a9bd-4ec7-88aa-af28d20e4a1d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract_a4513d7a-39f5-4cb1-b4f8-b1a812cd630f" xlink:to="loc_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost_95856d2d-a9bd-4ec7-88aa-af28d20e4a1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsWeightedAverageAssumptionDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_386c15cd-6a04-4610-8c6f-11bad00601a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_90ed6b03-08e0-4487-bfa9-3e769746df25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_386c15cd-6a04-4610-8c6f-11bad00601a1" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_90ed6b03-08e0-4487-bfa9-3e769746df25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_b14ae75e-b549-4398-9bff-021f4e78604a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_90ed6b03-08e0-4487-bfa9-3e769746df25" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_b14ae75e-b549-4398-9bff-021f4e78604a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_5349d92e-9399-4b8c-b2d9-14116c60c4e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_b14ae75e-b549-4398-9bff-021f4e78604a" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_5349d92e-9399-4b8c-b2d9-14116c60c4e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_ddd69452-b943-4752-b356-d62119f1d844" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_5349d92e-9399-4b8c-b2d9-14116c60c4e4" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_ddd69452-b943-4752-b356-d62119f1d844" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PostemploymentRetirementBenefitsMember_63b3303c-5998-46a0-939c-44e0490187dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PostemploymentRetirementBenefitsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_5349d92e-9399-4b8c-b2d9-14116c60c4e4" xlink:to="loc_us-gaap_PostemploymentRetirementBenefitsMember_63b3303c-5998-46a0-939c-44e0490187dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_90ed6b03-08e0-4487-bfa9-3e769746df25" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_dbe1abcf-d911-4d87-8970-e2082a239c38" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate_dbe1abcf-d911-4d87-8970-e2082a239c38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanCurrentMedicalTrendRate_28f40e1b-9b5a-49d5-bbd5-316ae80e8d50" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanCurrentMedicalTrendRate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_fbc_DefinedBenefitPlanCurrentMedicalTrendRate_28f40e1b-9b5a-49d5-bbd5-316ae80e8d50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_adff0d77-aab0-470c-b953-b341a8caafac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets_adff0d77-aab0-470c-b953-b341a8caafac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1_34bdfc46-91c2-4c27-8201-12a0a6e29216" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1_34bdfc46-91c2-4c27-8201-12a0a6e29216" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate_6329fbf7-f33c-4427-b50a-d6e49976e04f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_790d1d1f-0c41-4abb-87b4-467c0f87a99c" xlink:to="loc_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate_6329fbf7-f33c-4427-b50a-d6e49976e04f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsAssetAllocationPercentageDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_48631b58-8f6f-45a6-9c58-90b283c67b37" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_48631b58-8f6f-45a6-9c58-90b283c67b37" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_4d4215fb-1693-4c2b-82ee-bb6b13b53062" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_4d4215fb-1693-4c2b-82ee-bb6b13b53062" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_b9461448-db32-43a5-9229-d4d3f7c8ff69" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_4d4215fb-1693-4c2b-82ee-bb6b13b53062" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_b9461448-db32-43a5-9229-d4d3f7c8ff69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_93e1a980-d199-4ec8-af68-dd671d1edd06" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_b9461448-db32-43a5-9229-d4d3f7c8ff69" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_93e1a980-d199-4ec8-af68-dd671d1edd06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_b2bef38a-8f60-43e5-aecb-7fa9c88fa4a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:to="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_b2bef38a-8f60-43e5-aecb-7fa9c88fa4a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_a87e388e-5459-4419-b97f-a475c1aa0c5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_b2bef38a-8f60-43e5-aecb-7fa9c88fa4a2" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_a87e388e-5459-4419-b97f-a475c1aa0c5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_a87e388e-5459-4419-b97f-a475c1aa0c5e" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember_0fd46557-6004-4cf1-9e25-d482121b7c81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember_0fd46557-6004-4cf1-9e25-d482121b7c81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember_0dda2bcd-44ad-4ddc-a296-d0ecee7614a6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember_0dda2bcd-44ad-4ddc-a296-d0ecee7614a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember_9cdcee82-7831-4085-9d65-d21858bb0fce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember_9cdcee82-7831-4085-9d65-d21858bb0fce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember_f41bc408-fef8-4ff5-8824-fbd6794d360a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_18d8c09e-eceb-4906-a604-01ca1638e065" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember_f41bc408-fef8-4ff5-8824-fbd6794d360a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember_d1a1c2da-0ad2-4fa4-ac61-c64456398dff" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_a87e388e-5459-4419-b97f-a475c1aa0c5e" xlink:to="loc_fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember_d1a1c2da-0ad2-4fa4-ac61-c64456398dff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_18232ad5-f750-4f64-a694-fd5eab933add" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:to="loc_srt_RangeAxis_18232ad5-f750-4f64-a694-fd5eab933add" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_1fde87e7-4132-4883-97c1-dd541fe7c840" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_18232ad5-f750-4f64-a694-fd5eab933add" xlink:to="loc_srt_RangeMember_1fde87e7-4132-4883-97c1-dd541fe7c840" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_e25fc4fb-680a-4412-ac20-dd8be692cc6b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1fde87e7-4132-4883-97c1-dd541fe7c840" xlink:to="loc_srt_MinimumMember_e25fc4fb-680a-4412-ac20-dd8be692cc6b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_a84de84c-96ec-47b0-ae3a-8037bf493b48" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_1fde87e7-4132-4883-97c1-dd541fe7c840" xlink:to="loc_srt_MaximumMember_a84de84c-96ec-47b0-ae3a-8037bf493b48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_7b7e8ec9-fb5b-42cd-9aca-b2ee47abad15" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_1158e5bb-fd40-49ad-a60f-f55389cd8937" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_7b7e8ec9-fb5b-42cd-9aca-b2ee47abad15" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_53c0f90e-962d-4620-bd17-2d914c378906" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_7b7e8ec9-fb5b-42cd-9aca-b2ee47abad15" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage_53c0f90e-962d-4620-bd17-2d914c378906" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsFairValueofInvestmentsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_fdffe939-58e5-4edf-88f1-bce1c0c65a55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_fdffe939-58e5-4edf-88f1-bce1c0c65a55" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_3b342109-d80b-4478-9735-fcf90c57e436" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_3b342109-d80b-4478-9735-fcf90c57e436" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_d1c40c94-cd13-41c5-87f4-d7f36f8ad4bf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_3b342109-d80b-4478-9735-fcf90c57e436" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_d1c40c94-cd13-41c5-87f4-d7f36f8ad4bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_2940a953-0134-4067-80df-e023c796e0b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_d1c40c94-cd13-41c5-87f4-d7f36f8ad4bf" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_2940a953-0134-4067-80df-e023c796e0b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_45ad3dc6-a6f8-4ed0-9371-693458895013" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:to="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_45ad3dc6-a6f8-4ed0-9371-693458895013" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_45ad3dc6-a6f8-4ed0-9371-693458895013" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityLargeCapValueMember_0f6ebf4d-9d56-4f47-926b-d7241867db74" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityLargeCapValueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityLargeCapValueMember_0f6ebf4d-9d56-4f47-926b-d7241867db74" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember_8076730d-5b83-430a-8535-ae921626783e" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityLargeCapGrowthMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityLargeCapGrowthMember_8076730d-5b83-430a-8535-ae921626783e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityLargeCapCoreMember_289586f4-0fde-4730-8330-b93f3debb709" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityLargeCapCoreMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityLargeCapCoreMember_289586f4-0fde-4730-8330-b93f3debb709" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityMidCapCoreMember_c1ae4f40-f67e-4bbb-b6c5-a19e56132fd5" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityMidCapCoreMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityMidCapCoreMember_c1ae4f40-f67e-4bbb-b6c5-a19e56132fd5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquitySmallCapCoreMember_08a0352e-1c1a-4a86-b94b-f3ca6b1c478f" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquitySmallCapCoreMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquitySmallCapCoreMember_08a0352e-1c1a-4a86-b94b-f3ca6b1c478f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityNonUSGrowthMember_6e503b56-c112-4d3b-a5e8-637f1985b2c7" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityNonUSGrowthMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityNonUSGrowthMember_6e503b56-c112-4d3b-a5e8-637f1985b2c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanEquityNonUSValueMember_c4b76402-333b-42f4-b038-78fc6eb72a25" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanEquityNonUSValueMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanEquityNonUSValueMember_c4b76402-333b-42f4-b038-78fc6eb72a25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInvestmentsMember_4e7bff1d-c2c0-48e7-9921-1a91b34d2566" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedIncomeInvestmentsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:to="loc_us-gaap_FixedIncomeInvestmentsMember_4e7bff1d-c2c0-48e7-9921-1a91b34d2566" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_FourthFundsTargetsInvestmentsMember_28ff68b8-ab9b-4cf1-8164-149b5cf124a9" xlink:href="fbc-20231231.xsd#fbc_FourthFundsTargetsInvestmentsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:to="loc_fbc_FourthFundsTargetsInvestmentsMember_28ff68b8-ab9b-4cf1-8164-149b5cf124a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_5dfcdc5d-9a88-4be3-8c7f-aa951ed44905" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember_adba16d1-1480-41d0-8cd9-59a05bdde114" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_5dfcdc5d-9a88-4be3-8c7f-aa951ed44905" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember_339db5c5-c867-4cd8-ab0a-25738f14b323" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember_339db5c5-c867-4cd8-ab0a-25738f14b323" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember_16ea5277-a99c-4be0-a834-3cf1ccd19611" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember_16ea5277-a99c-4be0-a834-3cf1ccd19611" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_404c2b70-45f2-4ab8-a0c7-ddd7a383c71a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_2032569f-7f9a-4093-8358-4bfb4344b4b7" xlink:to="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_404c2b70-45f2-4ab8-a0c7-ddd7a383c71a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0d51da6d-4ae9-403f-96e2-512a85f99026" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0d51da6d-4ae9-403f-96e2-512a85f99026" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0d51da6d-4ae9-403f-96e2-512a85f99026" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_937cd563-9fa5-47ca-b541-38c35536b40e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_937cd563-9fa5-47ca-b541-38c35536b40e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_cd8f7c7f-a512-4adb-8410-541e7a9f1edd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_cd8f7c7f-a512-4adb-8410-541e7a9f1edd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_4f2d8298-67b8-4391-a8ea-b2070bbaa37d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_59fe7c28-1e2c-4fa3-9972-2997cb8925a8" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_4f2d8298-67b8-4391-a8ea-b2070bbaa37d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_98cb61f3-6869-4369-abf3-420f6cbf9524" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:to="loc_srt_RangeAxis_98cb61f3-6869-4369-abf3-420f6cbf9524" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_d5ba764a-602d-4d34-a9e8-8b6a1298770a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_98cb61f3-6869-4369-abf3-420f6cbf9524" xlink:to="loc_srt_RangeMember_d5ba764a-602d-4d34-a9e8-8b6a1298770a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_7a241065-aea1-4644-b19a-5f0e37a4e599" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_d5ba764a-602d-4d34-a9e8-8b6a1298770a" xlink:to="loc_srt_MinimumMember_7a241065-aea1-4644-b19a-5f0e37a4e599" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_7ac967cd-3f75-418f-9cc8-8829e2345519" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_d5ba764a-602d-4d34-a9e8-8b6a1298770a" xlink:to="loc_srt_MaximumMember_7ac967cd-3f75-418f-9cc8-8829e2345519" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_077955d8-8d89-4005-822e-c130b10bccd1" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_5177738e-6f8e-4ab8-9540-1f10f29468d7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanFairValueOfPlanAssets"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:to="loc_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets_5177738e-6f8e-4ab8-9540-1f10f29468d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanPlanAssetsShares_7db768c1-ead7-4256-8ce5-724679aeeb34" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanPlanAssetsShares"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:to="loc_fbc_DefinedBenefitPlanPlanAssetsShares_7db768c1-ead7-4256-8ce5-724679aeeb34" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage_caf90bd8-60b2-4d8b-a970-df44349620e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_3c13bde2-9171-4060-89de-bce615f076db" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage_caf90bd8-60b2-4d8b-a970-df44349620e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsCurrentAllocationsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_adf0b239-bd2b-40a0-aa2f-f3dad151669e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_15719c7b-c4cb-4b5c-9337-4f57aa85a670" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_adf0b239-bd2b-40a0-aa2f-f3dad151669e" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_15719c7b-c4cb-4b5c-9337-4f57aa85a670" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_c1611233-11e7-403a-8dd8-0eea3f169a5d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_15719c7b-c4cb-4b5c-9337-4f57aa85a670" xlink:to="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_c1611233-11e7-403a-8dd8-0eea3f169a5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanAssetCategoriesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis_c1611233-11e7-403a-8dd8-0eea3f169a5d" xlink:to="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_38b0cfc4-6353-485a-b155-2579b62d5ea4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanEquitySecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:to="loc_us-gaap_DefinedBenefitPlanEquitySecuritiesMember_38b0cfc4-6353-485a-b155-2579b62d5ea4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanDebtSecurityMember_0f613289-4996-4a29-a58b-3f011d6557f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanDebtSecurityMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:to="loc_us-gaap_DefinedBenefitPlanDebtSecurityMember_0f613289-4996-4a29-a58b-3f011d6557f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_1fe3769d-dc72-4bb4-9825-d242132faded" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanAssetCategoriesDomain_f9954893-0cb3-42b8-98d4-ba5801f825ae" xlink:to="loc_us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember_1fe3769d-dc72-4bb4-9825-d242132faded" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_a82e7a1b-8733-48f2-bfcb-3696a0349e95" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_15719c7b-c4cb-4b5c-9337-4f57aa85a670" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_a82e7a1b-8733-48f2-bfcb-3696a0349e95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_27584898-f9b6-457d-9927-f6604270116c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_a82e7a1b-8733-48f2-bfcb-3696a0349e95" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_27584898-f9b6-457d-9927-f6604270116c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_40cb2942-703d-4ed5-8404-690d225dc6c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_27584898-f9b6-457d-9927-f6604270116c" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_40cb2942-703d-4ed5-8404-690d225dc6c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_2d715898-c204-4091-8fbd-603d81388faf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_15719c7b-c4cb-4b5c-9337-4f57aa85a670" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_2d715898-c204-4091-8fbd-603d81388faf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations_d09cf122-6602-4a00-8fe7-2d44858ca0f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_2d715898-c204-4091-8fbd-603d81388faf" xlink:to="loc_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations_d09cf122-6602-4a00-8fe7-2d44858ca0f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#EmployeeBenefitsExpectedFuturePaymentsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_48420fd8-9935-4c4f-9fac-cef321b31dbd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_5a9cb770-75dc-4908-9211-74ba2ad11b3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract_48420fd8-9935-4c4f-9fac-cef321b31dbd" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_5a9cb770-75dc-4908-9211-74ba2ad11b3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeAxis_532d6c22-b84a-442e-be5c-67397756d934" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_5a9cb770-75dc-4908-9211-74ba2ad11b3c" xlink:to="loc_us-gaap_RetirementPlanTypeAxis_532d6c22-b84a-442e-be5c-67397756d934" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetirementPlanTypeDomain_60c12190-4d2b-4246-8f12-e65068254470" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetirementPlanTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeAxis_532d6c22-b84a-442e-be5c-67397756d934" xlink:to="loc_us-gaap_RetirementPlanTypeDomain_60c12190-4d2b-4246-8f12-e65068254470" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PensionPlansDefinedBenefitMember_e18aa4ab-ef9d-4c76-b770-fcf16bae9006" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PensionPlansDefinedBenefitMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_60c12190-4d2b-4246-8f12-e65068254470" xlink:to="loc_us-gaap_PensionPlansDefinedBenefitMember_e18aa4ab-ef9d-4c76-b770-fcf16bae9006" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PostemploymentRetirementBenefitsMember_56cebd34-bcfb-41f1-9c2d-a8c3448a6d24" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PostemploymentRetirementBenefitsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RetirementPlanTypeDomain_60c12190-4d2b-4246-8f12-e65068254470" xlink:to="loc_us-gaap_PostemploymentRetirementBenefitsMember_56cebd34-bcfb-41f1-9c2d-a8c3448a6d24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable_5a9cb770-75dc-4908-9211-74ba2ad11b3c" xlink:to="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_702a0cda-ca4a-4251-ae86-1a6441c2a02f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths_702a0cda-ca4a-4251-ae86-1a6441c2a02f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_0f56c4be-f47a-4b7d-b2ac-da6a107a2488" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo_0f56c4be-f47a-4b7d-b2ac-da6a107a2488" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_3709349f-9966-4a3a-a7d9-c1ba645ae168" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree_3709349f-9966-4a3a-a7d9-c1ba645ae168" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_c8ad233d-d299-4127-aade-b506717b78b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour_c8ad233d-d299-4127-aade-b506717b78b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_e4d41849-dec9-43f2-beed-78281cfeec3f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter_e4d41849-dec9-43f2-beed-78281cfeec3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_84d14eab-f5e1-4b61-9c8e-44343f51d82d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive_84d14eab-f5e1-4b61-9c8e-44343f51d82d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_80158c4c-0512-44e5-8622-7fb9b9c748a7" xlink:href="fbc-20231231.xsd#fbc_DefinedBenefitPlanExpectedFutureBenefitPayment"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems_bff19ac9-30d6-4008-bd6b-70d1394be2f9" xlink:to="loc_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment_80158c4c-0512-44e5-8622-7fb9b9c748a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingenciesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_f91f7ccc-b0b0-40e6-9721-acb51d148a7b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_907c8352-396b-4966-bb71-e27cc0fa2f7b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_f91f7ccc-b0b0-40e6-9721-acb51d148a7b" xlink:to="loc_us-gaap_OtherCommitmentsTable_907c8352-396b-4966-bb71-e27cc0fa2f7b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_ad958a22-bd4f-44da-a89a-a9f9daac7afd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_907c8352-396b-4966-bb71-e27cc0fa2f7b" xlink:to="loc_us-gaap_CollateralAxis_ad958a22-bd4f-44da-a89a-a9f9daac7afd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_6071ce63-a064-4c20-82bc-da67bbfe9934" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralAxis_ad958a22-bd4f-44da-a89a-a9f9daac7afd" xlink:to="loc_us-gaap_CollateralDomain_6071ce63-a064-4c20-82bc-da67bbfe9934" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_f34f2e00-0768-4ec2-bb91-40200c37494c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_6071ce63-a064-4c20-82bc-da67bbfe9934" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_f34f2e00-0768-4ec2-bb91-40200c37494c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_608472a9-5e0b-497f-8116-24b165d9cc58" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_907c8352-396b-4966-bb71-e27cc0fa2f7b" xlink:to="loc_us-gaap_OtherCommitmentsLineItems_608472a9-5e0b-497f-8116-24b165d9cc58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_a99a4e71-9282-4e15-b9f9-fa4a407fbb3f" xlink:href="fbc-20231231.xsd#fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_608472a9-5e0b-497f-8116-24b165d9cc58" xlink:to="loc_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent_a99a4e71-9282-4e15-b9f9-fa4a407fbb3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1d834fe2-97f1-4d45-ba9d-cbea4d904ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_608472a9-5e0b-497f-8116-24b165d9cc58" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_1d834fe2-97f1-4d45-ba9d-cbea4d904ea1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingenciesOffBalanceSheetDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_238b77db-c7dc-4da4-a135-2efd43414707" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_e74e0684-fe2d-46e8-83b8-65d2d06aba3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_238b77db-c7dc-4da4-a135-2efd43414707" xlink:to="loc_us-gaap_OtherCommitmentsTable_e74e0684-fe2d-46e8-83b8-65d2d06aba3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsAxis_932c532e-f869-454a-86ab-6fe9039d263e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_e74e0684-fe2d-46e8-83b8-65d2d06aba3c" xlink:to="loc_us-gaap_OtherCommitmentsAxis_932c532e-f869-454a-86ab-6fe9039d263e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsDomain_11633043-acc4-4951-b386-3cc60d6a1900" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsAxis_932c532e-f869-454a-86ab-6fe9039d263e" xlink:to="loc_us-gaap_OtherCommitmentsDomain_11633043-acc4-4951-b386-3cc60d6a1900" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsDomain_11633043-acc4-4951-b386-3cc60d6a1900" xlink:to="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyAndCommercialRealEstateMember_c248a9e8-59df-4a07-9b7e-fd158cee7227" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyAndCommercialRealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_MultiFamilyAndCommercialRealEstateMember_c248a9e8-59df-4a07-9b7e-fd158cee7227" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_f8a936f8-23cd-4a4b-ad08-9d15b141e60f" xlink:href="fbc-20231231.xsd#fbc_OneToFourFamilyIncludingInterestRateLocksMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_OneToFourFamilyIncludingInterestRateLocksMember_f8a936f8-23cd-4a4b-ad08-9d15b141e60f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_AcquisitionDevelopmentAndConstructionMember_2689de5c-8b94-4a5b-8eda-7a71678c7fee" xlink:href="fbc-20231231.xsd#fbc_AcquisitionDevelopmentAndConstructionMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_AcquisitionDevelopmentAndConstructionMember_2689de5c-8b94-4a5b-8eda-7a71678c7fee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_WarehouseLoanCommitmentsMember_daa70d94-de64-4b2c-ad1e-8ec0982c515d" xlink:href="fbc-20231231.xsd#fbc_WarehouseLoanCommitmentsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_WarehouseLoanCommitmentsMember_daa70d94-de64-4b2c-ad1e-8ec0982c515d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherLoanCommitmentsMember_aae8f915-eb28-42f3-811f-b13abd47d3dc" xlink:href="fbc-20231231.xsd#fbc_OtherLoanCommitmentsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_UnfundedLoanCommitmentMember_df3cd7d8-33fd-40fc-b7c5-212261956724" xlink:to="loc_fbc_OtherLoanCommitmentsMember_aae8f915-eb28-42f3-811f-b13abd47d3dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_e74e0684-fe2d-46e8-83b8-65d2d06aba3c" xlink:to="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitment_44cca4bb-0205-4923-a837-ca208ccfe680" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitment"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:to="loc_us-gaap_OtherCommitment_44cca4bb-0205-4923-a837-ca208ccfe680" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsMaximumExposure_0c7063bd-bb4e-4e21-b1de-5be775d2e715" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsMaximumExposure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:to="loc_us-gaap_GuaranteeObligationsMaximumExposure_0c7063bd-bb4e-4e21-b1de-5be775d2e715" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_0968a917-a371-43b5-8cf4-0209eb310759" xlink:href="fbc-20231231.xsd#fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_ff4dc8a1-0994-4191-a862-ab39e0b913e5" xlink:to="loc_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted_0968a917-a371-43b5-8cf4-0209eb310759" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#CommitmentandContingenciesObligationsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_ed1c80b5-172d-4888-b871-9ca5c472ee83" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTable_1d18959c-23bc-4139-a231-0670ffcd8f9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_ed1c80b5-172d-4888-b871-9ca5c472ee83" xlink:to="loc_us-gaap_OtherCommitmentsTable_1d18959c-23bc-4139-a231-0670ffcd8f9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsByNatureAxis_7d8e9f16-e379-4490-85eb-6ee077f59441" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsByNatureAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_1d18959c-23bc-4139-a231-0670ffcd8f9f" xlink:to="loc_us-gaap_GuaranteeObligationsByNatureAxis_7d8e9f16-e379-4490-85eb-6ee077f59441" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsNatureDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsByNatureAxis_7d8e9f16-e379-4490-85eb-6ee077f59441" xlink:to="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialStandbyLetterOfCreditMember_72bce2e5-81d4-414f-83d6-4ce884cac5fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialStandbyLetterOfCreditMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:to="loc_us-gaap_FinancialStandbyLetterOfCreditMember_72bce2e5-81d4-414f-83d6-4ce884cac5fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceGuaranteeMember_afac81f3-d5ba-4a83-801c-d24fdee1b490" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceGuaranteeMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:to="loc_us-gaap_PerformanceGuaranteeMember_afac81f3-d5ba-4a83-801c-d24fdee1b490" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_CommercialLettersOfCreditMember_d08686d9-328c-4a0a-84bc-e0cdf998de56" xlink:href="fbc-20231231.xsd#fbc_CommercialLettersOfCreditMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GuaranteeObligationsNatureDomain_173c95ff-4be8-4db0-8bdb-c16a033acd8f" xlink:to="loc_fbc_CommercialLettersOfCreditMember_d08686d9-328c-4a0a-84bc-e0cdf998de56" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherCommitmentsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsTable_1d18959c-23bc-4139-a231-0670ffcd8f9f" xlink:to="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GuarantorObligationsCurrentCarryingValueCurrent_dc19c475-941f-4aae-9aeb-f4768a605012" xlink:href="fbc-20231231.xsd#fbc_GuarantorObligationsCurrentCarryingValueCurrent"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:to="loc_fbc_GuarantorObligationsCurrentCarryingValueCurrent_dc19c475-941f-4aae-9aeb-f4768a605012" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent_7aa6e852-c140-4eab-89e5-a9bcf91adfaa" xlink:href="fbc-20231231.xsd#fbc_GuarantorObligationsCurrentCarryingValueNoncurrent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:to="loc_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent_7aa6e852-c140-4eab-89e5-a9bcf91adfaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_31e3f512-ba9d-480d-9de8-6e08b6d1b831" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:to="loc_us-gaap_GuaranteeObligationsCurrentCarryingValue_31e3f512-ba9d-480d-9de8-6e08b6d1b831" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteeObligationsMaximumExposure_49682377-fe5d-4025-93ab-3b36f71f398f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GuaranteeObligationsMaximumExposure"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherCommitmentsLineItems_04e95e5c-4ea5-4939-8718-026c6b7365cc" xlink:to="loc_us-gaap_GuaranteeObligationsMaximumExposure_49682377-fe5d-4025-93ab-3b36f71f398f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SegmentsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#SegmentsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SegmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract_dbb99db6-8310-46c6-8487-f8cfcf0b23aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SegmentReportingAbstract"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationBalanceSheetDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_bbabe959-44c7-4e3d-9f6d-f65dad887254" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementTable_a772690d-5be2-4ffa-9b02-5db3f5c3a3f7" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedBalanceSheetStatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_bbabe959-44c7-4e3d-9f6d-f65dad887254" xlink:to="loc_srt_CondensedBalanceSheetStatementTable_a772690d-5be2-4ffa-9b02-5db3f5c3a3f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_c093146e-bdec-47d9-bc26-4b09de6c53e8" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementTable_a772690d-5be2-4ffa-9b02-5db3f5c3a3f7" xlink:to="loc_srt_ConsolidatedEntitiesAxis_c093146e-bdec-47d9-bc26-4b09de6c53e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_351793fe-2e39-4549-8abb-bd815e61ec9c" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_c093146e-bdec-47d9-bc26-4b09de6c53e8" xlink:to="loc_srt_ConsolidatedEntitiesDomain_351793fe-2e39-4549-8abb-bd815e61ec9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_39325bb3-7d01-4d89-8090-d7bfbaa57d0f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ParentCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_351793fe-2e39-4549-8abb-bd815e61ec9c" xlink:to="loc_srt_ParentCompanyMember_39325bb3-7d01-4d89-8090-d7bfbaa57d0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_accd9548-d1ca-4735-9102-a55b2e83f56a" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedBalanceSheetStatementsCaptionsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementTable_a772690d-5be2-4ffa-9b02-5db3f5c3a3f7" xlink:to="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_accd9548-d1ca-4735-9102-a55b2e83f56a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_accd9548-d1ca-4735-9102-a55b2e83f56a" xlink:to="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_280f752b-8f22-43bc-9942-0177fabd1789" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_280f752b-8f22-43bc-9942-0177fabd1789" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_6410460b-2965-4d7f-a7f4-a9f71375464d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_6410460b-2965-4d7f-a7f4-a9f71375464d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_502a2f82-95a8-4ba1-83aa-8c3be5307681" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:to="loc_us-gaap_OtherAssets_502a2f82-95a8-4ba1-83aa-8c3be5307681" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_1b1d527c-529b-4eba-b9bb-b29072d372a6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Assets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_d8c6d006-49fb-4362-8da7-e40ebbebcc8a" xlink:to="loc_us-gaap_Assets_1b1d527c-529b-4eba-b9bb-b29072d372a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedBalanceSheetStatementsCaptionsLineItems_accd9548-d1ca-4735-9102-a55b2e83f56a" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_ca829703-fa54-4769-af09-babb0221905f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_ca829703-fa54-4769-af09-babb0221905f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_6f2c1e97-238b-4926-af44-797ec44657bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_SubordinatedDebt_6f2c1e97-238b-4926-af44-797ec44657bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_1bec65e4-1732-429d-bcad-ea63856fc15d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_OtherLiabilities_1bec65e4-1732-429d-bcad-ea63856fc15d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_23f3b24c-368d-4e98-9ae3-4e68527bdc75" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_Liabilities_23f3b24c-368d-4e98-9ae3-4e68527bdc75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_36720f4a-94f3-4409-93a2-3a5ce14470cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_StockholdersEquity_36720f4a-94f3-4409-93a2-3a5ce14470cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_79ca9151-c9fa-4462-9260-049b28d28ca2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_365b14aa-9817-47a5-a3e7-dea859277927" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_79ca9151-c9fa-4462-9260-049b28d28ca2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationIncomeStatementDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_8183660d-fad6-4b97-8abf-46a872c1e50d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementTable_2b13fc5d-f9da-4115-b713-2e1006eeb377" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedIncomeStatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_8183660d-fad6-4b97-8abf-46a872c1e50d" xlink:to="loc_srt_CondensedIncomeStatementTable_2b13fc5d-f9da-4115-b713-2e1006eeb377" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_8823f855-beb3-4eeb-961d-9c3759b89084" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementTable_2b13fc5d-f9da-4115-b713-2e1006eeb377" xlink:to="loc_srt_ConsolidatedEntitiesAxis_8823f855-beb3-4eeb-961d-9c3759b89084" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_b8a99d3f-68c2-4027-93d4-ac15231d1092" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_8823f855-beb3-4eeb-961d-9c3759b89084" xlink:to="loc_srt_ConsolidatedEntitiesDomain_b8a99d3f-68c2-4027-93d4-ac15231d1092" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_8ec7ee57-4c07-48de-ba63-69563b5adbc8" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ParentCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_b8a99d3f-68c2-4027-93d4-ac15231d1092" xlink:to="loc_srt_ParentCompanyMember_8ec7ee57-4c07-48de-ba63-69563b5adbc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedIncomeStatementsCaptionsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementTable_2b13fc5d-f9da-4115-b713-2e1006eeb377" xlink:to="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendIncomeOperating_40249815-592a-4566-a8ba-9205a4d06e5c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendIncomeOperating"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_DividendIncomeOperating_40249815-592a-4566-a8ba-9205a4d06e5c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_b833ec18-6dcf-4646-976f-a6bea4e71502" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherIncome"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_OtherIncome_b833ec18-6dcf-4646-976f-a6bea4e71502" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_a5754bca-b54a-44b7-ac03-de3fadc8ad11" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_a5754bca-b54a-44b7-ac03-de3fadc8ad11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingCostsAndExpenses_103fb0ed-6b0b-497e-9b9d-2d4bef604fee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingCostsAndExpenses"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_OperatingCostsAndExpenses_103fb0ed-6b0b-497e-9b9d-2d4bef604fee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_2561eac9-fb2f-489a-8b9c-e118c66e2445" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_2561eac9-fb2f-489a-8b9c-e118c66e2445" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_bf9aad55-e160-447e-a4dd-8f3406b7dca0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_bf9aad55-e160-447e-a4dd-8f3406b7dca0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_1e912d4d-20fb-476e-bc84-b2055fcbdf52" xlink:href="fbc-20231231.xsd#fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries_1e912d4d-20fb-476e-bc84-b2055fcbdf52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_b46c3532-003d-47f6-8b32-4cfb44ade321" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_b46c3532-003d-47f6-8b32-4cfb44ade321" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_d8f358a6-2b13-4aa9-84aa-dd069f2a37bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedIncomeStatementsCaptionsLineItems_04fd8114-5c08-4201-8898-89fc9f8e5fdc" xlink:to="loc_us-gaap_NetIncomeLoss_d8f358a6-2b13-4aa9-84aa-dd069f2a37bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6c255855-7733-493c-824d-2fda15eca321" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedCashFlowStatementTable_b524bbb0-4817-4707-ba1c-ae82a0657e2d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedCashFlowStatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract_6c255855-7733-493c-824d-2fda15eca321" xlink:to="loc_srt_CondensedCashFlowStatementTable_b524bbb0-4817-4707-ba1c-ae82a0657e2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_7ad057cd-4d9e-4644-9728-5fe51a8471a4" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedCashFlowStatementTable_b524bbb0-4817-4707-ba1c-ae82a0657e2d" xlink:to="loc_srt_ConsolidatedEntitiesAxis_7ad057cd-4d9e-4644-9728-5fe51a8471a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_42a99b5a-7332-48ef-95eb-270cf0839008" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_7ad057cd-4d9e-4644-9728-5fe51a8471a4" xlink:to="loc_srt_ConsolidatedEntitiesDomain_42a99b5a-7332-48ef-95eb-270cf0839008" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_7fe7434b-ba46-4fcb-b2f8-37c9572a10d9" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ParentCompanyMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_42a99b5a-7332-48ef-95eb-270cf0839008" xlink:to="loc_srt_ParentCompanyMember_7fe7434b-ba46-4fcb-b2f8-37c9572a10d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CondensedCashFlowStatementsCaptionsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedCashFlowStatementTable_b524bbb0-4817-4707-ba1c-ae82a0657e2d" xlink:to="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_02506bf6-463a-42de-99f1-1dbe80675561" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_NetIncomeLoss_02506bf6-463a-42de-99f1-1dbe80675561" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_3d608354-93f4-4dac-959c-b693322ac273" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_3d608354-93f4-4dac-959c-b693322ac273" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_ee47362c-34e8-4216-845b-0cdaff9e6ad9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities_ee47362c-34e8-4216-845b-0cdaff9e6ad9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_538ee1d9-fec2-497c-b8ee-540f72bd0b53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet_538ee1d9-fec2-497c-b8ee-540f72bd0b53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_9c340d84-7669-4bfd-81d7-c32fb03b0dda" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_IncomeLossFromSubsidiariesNetOfTax_9c340d84-7669-4bfd-81d7-c32fb03b0dda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_1fe273ab-410e-4eb1-aa85-448a6a486d45" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract_054e7a01-62a0-4254-8eef-52213c3e5d86" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_1fe273ab-410e-4eb1-aa85-448a6a486d45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromInvestingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAcquiredFromAcquisition_fa8721fa-549e-4a08-8f00-8501a4593729" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAcquiredFromAcquisition"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:to="loc_us-gaap_CashAcquiredFromAcquisition_fa8721fa-549e-4a08-8f00-8501a4593729" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_NetChangeInReceivableFromSubsidiaries_f634e9e2-0ba0-4de2-8fa0-ac5852c283a0" xlink:href="fbc-20231231.xsd#fbc_NetChangeInReceivableFromSubsidiaries"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:to="loc_fbc_NetChangeInReceivableFromSubsidiaries_f634e9e2-0ba0-4de2-8fa0-ac5852c283a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_74501074-6a41-4c58-a13d-82714b9c1c05" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ProceedsFromInvestingActivitiesAbstract_bdd0e1bc-bd68-4683-aa60-05ba3002418a" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_74501074-6a41-4c58-a13d-82714b9c1c05" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_e5eaa176-dd06-40ab-a280-f2666858a461" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_e5eaa176-dd06-40ab-a280-f2666858a461" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfOrdinaryDividends_fba1ad93-89b5-40a9-b077-d5aab1ff6dd0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfOrdinaryDividends"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:to="loc_us-gaap_PaymentsOfOrdinaryDividends_fba1ad93-89b5-40a9-b077-d5aab1ff6dd0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0b6db8d-cf2e-478f-8fab-3461ebe76586" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_84a22b4b-d9ed-4151-9e27-d7c6ada329ed" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_a0b6db8d-cf2e-478f-8fab-3461ebe76586" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_f98aeb7d-7423-402f-8d11-f65a007b3742" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_f98aeb7d-7423-402f-8d11-f65a007b3742" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6f892859-59f1-45b8-87a3-b785efa7485d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6f892859-59f1-45b8-87a3-b785efa7485d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_1730a10e-2318-485d-b9f2-922cd3887b73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CondensedCashFlowStatementsCaptionsLineItems_3c7170f5-553b-4817-866f-af9d3790311d" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_1730a10e-2318-485d-b9f2-922cd3887b73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://www.flagstar.com/role/SubsequentEventsDetails" xlink:type="simple" xlink:href="fbc-20231231.xsd#SubsequentEventsDetails"/>
  <link:presentationLink xlink:role="http://www.flagstar.com/role/SubsequentEventsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract_32c43956-454b-4583-8110-eea132b61b9d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventsAbstract_32c43956-454b-4583-8110-eea132b61b9d" xlink:to="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7c8cedc9-30c9-4d62-be98-42e13207980b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7c8cedc9-30c9-4d62-be98-42e13207980b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_cb7612b4-e6a2-4764-82e8-fc531d09156f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7c8cedc9-30c9-4d62-be98-42e13207980b" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_cb7612b4-e6a2-4764-82e8-fc531d09156f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MortgageLoansHeldForInvestmentMember_65fe987f-b41b-4237-a332-de0a4a26d06e" xlink:href="fbc-20231231.xsd#fbc_MortgageLoansHeldForInvestmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_cb7612b4-e6a2-4764-82e8-fc531d09156f" xlink:to="loc_fbc_MortgageLoansHeldForInvestmentMember_65fe987f-b41b-4237-a332-de0a4a26d06e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_e1010732-7fbd-4490-966f-8f8b42fed696" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_e1010732-7fbd-4490-966f-8f8b42fed696" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a0ef4efb-8963-4c74-9aea-2d5a7a63ace2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_e1010732-7fbd-4490-966f-8f8b42fed696" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a0ef4efb-8963-4c74-9aea-2d5a7a63ace2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_MultiFamilyLoanMember_0c4964c9-1653-42a4-94e2-4f3aacb0281d" xlink:href="fbc-20231231.xsd#fbc_MultiFamilyLoanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_a0ef4efb-8963-4c74-9aea-2d5a7a63ace2" xlink:to="loc_fbc_MultiFamilyLoanMember_0c4964c9-1653-42a4-94e2-4f3aacb0281d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_96cf84a3-2f1c-4326-9922-dab5a6ed7106" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_StatementClassOfStockAxis_96cf84a3-2f1c-4326-9922-dab5a6ed7106" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_dc386a0b-8695-4c43-b46b-a41617548f5a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_96cf84a3-2f1c-4326-9922-dab5a6ed7106" xlink:to="loc_us-gaap_ClassOfStockDomain_dc386a0b-8695-4c43-b46b-a41617548f5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember_fb039178-0921-40e0-b5df-d2c68669bec7" xlink:href="fbc-20231231.xsd#fbc_SeriesBNoncumulativeConvertiblePreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_dc386a0b-8695-4c43-b46b-a41617548f5a" xlink:to="loc_fbc_SeriesBNoncumulativeConvertiblePreferredStockMember_fb039178-0921-40e0-b5df-d2c68669bec7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember_5b170381-51e6-4a1e-ad28-c225d5224d5f" xlink:href="fbc-20231231.xsd#fbc_SeriesCNoncumulativeConvertiblePreferredStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_dc386a0b-8695-4c43-b46b-a41617548f5a" xlink:to="loc_fbc_SeriesCNoncumulativeConvertiblePreferredStockMember_5b170381-51e6-4a1e-ad28-c225d5224d5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_3704d973-7f41-4ec6-bb47-7c9b236a0d13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_3704d973-7f41-4ec6-bb47-7c9b236a0d13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_c897d61c-4449-4981-8726-c90049520d3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_3704d973-7f41-4ec6-bb47-7c9b236a0d13" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_c897d61c-4449-4981-8726-c90049520d3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_6ed57f0c-1598-4e96-9bef-0d38c94ea3ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_c897d61c-4449-4981-8726-c90049520d3c" xlink:to="loc_us-gaap_SubsequentEventMember_6ed57f0c-1598-4e96-9bef-0d38c94ea3ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementScenarioAxis_13f25d57-e530-445b-87f8-c3aa943f74eb" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StatementScenarioAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_srt_StatementScenarioAxis_13f25d57-e530-445b-87f8-c3aa943f74eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioUnspecifiedDomain_b3959ee6-669d-4ef0-92cc-7ebd758b742f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioUnspecifiedDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_StatementScenarioAxis_13f25d57-e530-445b-87f8-c3aa943f74eb" xlink:to="loc_srt_ScenarioUnspecifiedDomain_b3959ee6-669d-4ef0-92cc-7ebd758b742f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioForecastMember_da3e715e-2592-4278-9d83-e0ce5a965605" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ScenarioForecastMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ScenarioUnspecifiedDomain_b3959ee6-669d-4ef0-92cc-7ebd758b742f" xlink:to="loc_srt_ScenarioForecastMember_da3e715e-2592-4278-9d83-e0ce5a965605" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis_6fbce642-44ee-4b60-8c7f-1587e9037f06" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_SubsidiarySaleOfStockAxis_6fbce642-44ee-4b60-8c7f-1587e9037f06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain_7bc42da4-a8ed-4a9e-b3d6-3fccc2ef43c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis_6fbce642-44ee-4b60-8c7f-1587e9037f06" xlink:to="loc_us-gaap_SaleOfStockNameOfTransactionDomain_7bc42da4-a8ed-4a9e-b3d6-3fccc2ef43c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_EquityCapitalRaiseMember_ce6eb2e8-f4d8-4a65-b6ec-53b4d15d0357" xlink:href="fbc-20231231.xsd#fbc_EquityCapitalRaiseMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain_7bc42da4-a8ed-4a9e-b3d6-3fccc2ef43c4" xlink:to="loc_fbc_EquityCapitalRaiseMember_ce6eb2e8-f4d8-4a65-b6ec-53b4d15d0357" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTable_0f5d7cd2-7e5f-4cb3-97bc-c2f708114c5b" xlink:to="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableSale_c20af0c4-6b93-4f9c-ad11-c89399231d81" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableSale"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_FinancingReceivableSale_c20af0c4-6b93-4f9c-ad11-c89399231d81" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_6873e4b9-10b5-472d-b904-231efe338189" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction_6873e4b9-10b5-472d-b904-231efe338189" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockPricePerShare_cd22ad3e-405f-4fac-bc89-c14189e148fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SaleOfStockPricePerShare"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_SaleOfStockPricePerShare_cd22ad3e-405f-4fac-bc89-c14189e148fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_d04e4465-cde9-4beb-a626-e6d7b6f0dffd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_d04e4465-cde9-4beb-a626-e6d7b6f0dffd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockConvertibleConversionPrice_ec0c0256-d3c1-4c89-9fcc-05eee5bda2f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockConvertibleConversionPrice"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_PreferredStockConvertibleConversionPrice_ec0c0256-d3c1-4c89-9fcc-05eee5bda2f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstanding_6393aed0-f48b-4a23-a687-0f32f15ff699" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WarrantsAndRightsOutstanding"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_WarrantsAndRightsOutstanding_6393aed0-f48b-4a23-a687-0f32f15ff699" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_d5d7fc24-c933-410c-9042-ddeffd276eee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventLineItems_e422a80d-671b-49a0-a314-dc7456346fee" xlink:to="loc_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion_d5d7fc24-c933-410c-9042-ddeffd276eee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#AwardTimingDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_RestrictedStockMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_fbc_RestrictedStockandRestrictedStockUnitsMember" xlink:href="fbc-20231231.xsd#fbc_RestrictedStockandRestrictedStockUnitsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_fbc_RestrictedStockandRestrictedStockUnitsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_PerformanceSharesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardsCloseToMnpiDiscTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="loc_us-gaap_AwardTypeAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_EmployeeStockOptionMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardUndrlygSecuritiesAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardUndrlygSecuritiesAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardExrcPrice"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardExrcPrice" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardGrantDateFairValue" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AwardGrantDateFairValue"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_AwardGrantDateFairValue" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ErrCompDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/ErrCompDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ErrCompRecoveryTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompRecoveryTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RestatementDateAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_RestatementDateAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonNeosMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonNeosMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="loc_ecd_NonNeosMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RestatementDeterminationDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDeterminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AggtErrCompAmt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OutstandingRecoveryIndName"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#PvpDisclosure"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/PvpDisclosure" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PvpTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_ExecutiveCategoryAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllExecutiveCategoriesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="loc_ecd_AllExecutiveCategoriesMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_PeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonPeoNeoMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AllExecutiveCategoriesMember" xlink:to="loc_ecd_NonPeoNeoMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToCompAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_AdjToCompAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllAdjToCompMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllAdjToCompMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="loc_ecd_AllAdjToCompMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MeasureAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PvpTable" xlink:to="loc_ecd_MeasureAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PvpTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PvpTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CoSelectedMeasureName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeerGroupIssuersFnTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupIssuersFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_ChangedPeerGroupFnTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_ChangedPeerGroupFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoTotalCompAmt"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonPeoNeoAvgCompActuallyPaidAmt"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TabularListTableTextBlock"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TabularListTableTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_TotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_us-gaap_NetIncomeLoss" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_CoSelectedMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_OtherPerfMeasureAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AdjToCompAmt"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_AdjToCompAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_PeoName"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_PeoName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MeasureName"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_MeasureName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonGaapMeasureDescriptionTextBlock"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="loc_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#InsiderTradingArrangements"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TradingArrByIndTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TradingArrByIndTable" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TradingArrAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_TradingArrAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllTradingArrangementsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrAxis" xlink:to="loc_ecd_AllTradingArrangementsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_IndividualAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="loc_ecd_IndividualAxis" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_AllIndividualsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_IndividualAxis" xlink:to="loc_ecd_AllIndividualsMember" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrIndName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndName" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrIndTitle"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrIndTitle" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_Rule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonRule10b51ArrAdoptedFlag"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrAdoptionDate"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrAdoptionDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrTerminationDate" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrTerminationDate"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrTerminationDate" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrDuration"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrDuration" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="simple" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#InsiderTradingPoliciesProc"/>
  <link:presentationLink xlink:role="http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>ex-23fy23nycb_consentlet001.jpg
<TEXT>
begin 644 ex-23fy23nycb_consentlet001.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MI5)SO-Z1/,U^)NBZ+XACCGM[V3[!+J,4C1(A#&6X#J5RPR,*<]*VD^.7AAF
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M@9YZ''2UP5]\.8[C6+ZYB71VAOKD7,DMWIB3W$1XWJCM\N#MXW [=QZ\5WM
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MEXIT&U@BMXM+NKSR)I6;=)*3#*^T+C"J"@R<Y/';.=7PYI']@>&M-TCS_/\
ML5LD'F[=N_:,9QDX_.C5M(_M.\TBX\_R_P"S[S[5MVY\S]U)'MZ\?ZS.>>E
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M%"JH )/3KS0!AV^MZMJFG^$+*&]^S7>K:?\ ;+J[6)68!(XRP52-H):1>QP
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#S/XZW4]O\
M#L112/'!<WT,%RZG&(CDG\,A:U-<\&^ K6QTEK^VL=,BM+B/['<1N+=C( 2J
M^8,$YQGKR1FNIUG1K#Q!I%QI>IVZSV=PNV1#Q[@@]B#@@^U<9IWP@T>TU&QN
M;W5]:U6#3V#V=G?W7F0PD=,+@=,#VX[T 49=5\6^,/&_B'2= UV'0[/0_+CR
M;1)GN)6!/S;NBY4]/;K6#_PLKQ/J_A?PC<6$]O9ZE?ZN=-NF,(>)R"!NP><<
M@\$=^:[K7OAKIVLZW<:O;:IJVD7EW&(KMM.N/+%PH&/F!!YQQFI3\-]!2Q\/
M6=L+BV@T*Z6[MEC<?/(#DER0<Y/)QB@#E].\0>,].\1^+O#;WZ:[>V.G+>:?
M(]LD+%R!\I5< \MT]NO-9W@7QUJUUXJL=/UOQ)=+<S1L+C3-4TE;=O-QG$+I
M[Y^]U Z9/'H-SX$TF\U[5]6N'N7EU6S6SGC$@5 @Q@K@;@W YS6=I7PRL-/U
M73;Z[UG5]4_LL$6$-[.K)!D8R,*"2 !C/H* /-K7XF^+]2M9/$5C<W<X%YMC
MT.'1GDB> -@_Z0%^_CGKV_"NMN=6\7:]\2M?\.Z3KRZ796ME#<1LUFDKHS(I
MVC/J6.<YQCC%:O\ PJ71TO'\C5-8@TM[K[6^E17.VW,F<] -P'L#716GA2QL
M_%VI>)(Y;@WFH0)!+&S#RU5  -HQG/'J: /$==UO7O&/P]\#:K=:FD-R^N+;
M.4MU(:4,P2;'^R ?EZ'/:O<M6U*;PWX-N]1NG^VW&GV+2R/L">>Z)DG X7)'
M;IFN;?X3Z*?!EGX:COM1BAL[S[;;W*R*)DER3G.W'\1[5V,>FQ?V*NEW3R7L
M/V<6\K7)W-,NW:2Y[DCK]: /'I?%7CC0?"FC^.M0UVVOK&^EB,^DK9HBQQ2=
M-D@^8L!Z_KCFQX5TK5&^/OBB6?6$F^S+"\P:S3,R-&-B _P;,KR.6V\]:Z.R
M^$&B6EU:"74M8N]-LIO/M=+N;K?;1/G(.W&2!GH3ZYSDUTMAX5LM.\6:MXCB
MEN&N]32))D=AL4(H4;1C/0=R: .-^)W_ "/?PY_["C?SCK"G\1^.-2MO'=[9
M^(X[*W\.WL_D1BRC=I43)V%B.  O7!))Y/%>G:]X3L?$.K:+J5W+<)-I%P;B
M!8F 5F..&R#D?*.F*IP> =+M[#Q-9I<79C\0RRRW1++E#("#L^7CKQG- '&R
M>,?$OB74O!VAZ7J,6D3ZII0U*\O%MUE/0_*BMQU4_F/3GE['Q-JW@F/XF:C)
M)!=ZM'?6T"S"/:C.V]=Y7/''..F>.E>G7_PQTJ[L-#AM[_4K&[T6$06E_:RA
M)MF,%6.,$'Z=SZFF6?PH\/6NFZ[8227UW!K1C:Z-S,'?>F2'#8SNW$L2<\^W
M% '.>%O%?B=/$@TZ\O;_ %>PN+*24WEQHSV?V:=5+;>5 *G'&>^/QP;;Q?X^
M7X7V_C^7Q%;2Q6\NV33S91@3IYWEDLXY#9/10. .]>CZ3X @T2>XU!]7U?5K
MW[(UK ;ZX#B-,'    S[G-<7X&^$2W/@O3(/$=QK%MMF>:ZTC[1B"5A(VTLN
M#C*[<X(SQWH BU[X@Z]JGBS5;#2-3N]*MM.MHGA2WTEKUKB5T#XD(4[%YQ^O
M-7+SQIXOU!_ %O:R#1[S6Q<QWT<]H&VM'M&X*W(Q\S 9&<C.176:[\-M/UC6
M+C5;;4]4TFYNX1;W9T^8(MP@& &!!YQQD=JN'P%I/VWPW<I+=H?#XD%JOF!@
M^\ ,7)!)/&>".M 'GY\?^)?#.E>/;;4;Z/5;O07MUM+IX%C+><<#<JX'&0?S
MJIJ]GXDM?&/PXDU[7H]6^TW9E7%LL1A<JA905X9>1@D9X]Z](D^'NB3W7B2:
MY^T3KXA6-;N)W&U=@(4I@ @\YY)Y K+T_P"$VF6>HZ3?3ZUK=]/I,@:T^U7*
MNL:CH@&W[O3I@\#GB@#@6^)/BW4O[2UK2[RZ_P!&O3%:Z-#HSS131*0#OG"G
M#$$GKV[9KJKG7/%>O_$N?P[I6LC2+,Z1'?9DLTEDB8E00 V.<L <YQ@\9K5N
M?A/I$U]=/#JNL6FGWES]JN=-MKG9!))G).,9&2!T/88Q@5T%OX3L+7QE/XGC
MDG^V368LC$6'EA 000,9S\H[T >'^(M<\0>*_ACH-Y?ZFBW%OXA^Q2LENO[Y
MQ_JY3TQM^;@#!S[5[Q=PW-OX1N(;RZ^UW,=BZRW'EA/-8(<MM' R><#I7,R_
M"C1)/"+^'5O-02 WYU!)UD7S8YO4';C'7MWKK8-,$>AKI<MU<W(%OY#W$SAI
M7&W!9CCEO?% 'S-IVHRV/PCL;:Z\$Z6UGJ/G6L7B"Y=3L=I'&Y@J%U*G."3_
M  \5W^K:SJW@RT\'^![#5I(2]D9;G4[6R-X^U0<+%'@Y&01G' P>*] LO &C
M6?@$^#6\ZYTPHZ9F8&3YG+YR !D,<@X["L^7X7Z;)I.CVD>K:M#=Z.&6RU&.
M91<1H?X"0N"N.,$=./6@#C9_B/XJL/ 5X9XW_M4:K'IUGJ-U8M;B6.3)64QL
M  0%/&,#(_':M-3\6Z'\4M!\,ZIXACU2RN[2:=W^QQPNQ"MP<=@5R",=<'.*
ML^(O <-A\.;_ $JQT^[\0S3SBYF%U>[;B5R>75\8##J!C!YZYYYWP5X5U.;X
MD:=KCZ;K]M:6%G)'-<Z]<"2>5V!4(N#]T \8 '7N: *.E>*?%:?"FSO]'MRI
M;598[V;3-.B:2&$'[R1 !2?4D?7UI;KQ)>^)OA9XNA7Q8+Z2T0.5FTX07*Q'
M.Z.1?N\] RYQ@^N!WL7PKT:W\.6VCVU_JD!M+MKRWNXIPLT<C')Y"X(X'!%3
M6?PTTF"QUN*\O-0U"ZUJ(0WE[=2@RE0,*%P !CZ=AZ4 >?OXH\0>'O"W@70(
M=9D635+-9VOH=-\Z2WMUB4K$D2@[R!QN(SQFI;SX@>+;'X<>(KF26X6^TR[A
M2TU*?3OLYN87?&3&ZX##!!P.X^I[/_A5>G'0],L&UG6#=:7(7L=0$X$]NI 7
M8IVXV84<8J27X7Z3<>$[_0+G4-4N%OYUN+F[EG#3.X8-U*[0,CH!0!RGB;Q'
MXP\*VVBZ9>>(/.O]=N7D:[M],#FRA54+1QQ*"9#EC@G)P.W6JTGQ)\3:+X-\
M2RW2SW<]C+"FG:E=Z>UKYZRG!+1D 93!^O%>E>)_!NG^*;6RCN9KJUN;&02V
MEY:R;)86]0<$<X&1CM5"W^&^CKX?U72;^YO]3&JL'N[B[GW2,PY4K@ +@\C
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MUU-.M6T6.]>4VB2LCE@"5!QR20.> ,\9JY/\%]#GM+^P_M;6H],NYC.+&.Y
MBBD)!W*-O/3'.?SP:ZBT\'V%GXN_X22.:Y-Y]@73]C,OE^6&!SC&=W [X]J
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M&?[3N"B( '!))&"#C!SFN'L+N_\ %MYX)35;^72[QM,FNTU& ".:X;<J;$W
MKADVR,"I[8 K,N8I(=,CLHM19;/3?%Z+/K2$%Y!)&0TKL<KO5I A;H#C@8H
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M:F\1:Y>2W?A;3CK.IR"?3Y+NZN- @+/<D! A4!6PI)9N>/TH ](CTZQAT_\
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M7A;69[WQ#JECX;URYU:P33!*LFJ,28KLD[!DJ'*%>3P0,<>E23Q:MX:UKPQ
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M!J"QO+K2/'FBZ'%XEO=4U"9)#J\%TP\H 1[@\8V@*=Q7"KG@\CC- 'I=%%%
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M0 &2&:%X9%!Z$HX!P<<'&*LZOJ]AH.F2ZCJ=P(+2(J'D*EL%F"C@ DY) X%
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MH\*Z)I*V,=OJ,@EGFU2S5UC,KRL7S&[<?(Q(P<9'I77ZEJ5KI&G3W][(T=M
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MMYIUO-'/*A1V>ZEE!!(/1V('('05N444 %%%% !1110 4444 %%%% !1110
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M?V9J=C,MU<_VFH2\N+BX:2:51]T%R<@#L!@5KW6D6=YJFGZC,C&YL/,\A@Q
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MN.<G/4@5T6JZIJ7@C5=?@M]2O=1@BT!M2B2_D\TQS+(4R#@':<@D>W&*ZQ?
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M;Z?9&!ED1"%61UB."B%R6P<8 )P*[V]>YCL+A[.))KI8F,,;MM5WQ\H)[ G
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MY!R,XP3FLW48X]8\)V_AO3_"-QI6O"ZC*I'9,L-DRRAFF6?:%*X!((.3G&*
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MW.D76KG34&I7Z6O]C1QYGA1V(#"4.0Y489OEQC/(JM9+!JGC[3-4\-:->:<
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MPICYDCW\DET ^;'4TS5=1L-*\4:@^J^%I94N+>-8+^UL6NFN0 0T3[5.T@]
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M/3'1DFBMMH$KQQ'D9;++'QQG@9I-&A=?%6HZIX/T2:TTQ=,=7@GMWLXKR[W
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M9H ])HJCI%C<Z=IZ6UWJ4^HS*23<3JBNV3TPH X^E7J "BBB@ HHHH ****
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M3IGFLID(-N6.%+,K#EAC"_[QP,FN"U*.YM/"UW<PZ5/;:3XBU^V2WTE/W3M
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MSNGVQWBH23$QYX/7H1E1GB@#>L-7TW50YT[4;2\"<.;>99-OUVDXJX2 "2<
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M 0>001U(YK:;6M*6Q^W-J=F+0MM\\SKY>?3=G&:FDOK.*R^VR74"6NT-Y[2
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MB65I%=/=1VL*7#C#RK& [?4]30!Y?I^@Z9=>'_B%J$VG6T]]_:&HJDTD0=U
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MT^&30M?%YJ%O+-=R>%;W4+V*)BKO)).LCH".01G:".F!65%/:BZ\"-:R>&H
M=1MS#:Z6ADN(XV4@^9,6Z<@$%?F8]>*]S\J/S?-V+Y@7;OQSCTSZ5!%IMC &
M$-E;1AG#MLB498=#P.OO0!Y,-&0^!/'NI:=9(VLMJ>HJMPD8,PC\PAE1NH^7
M=P.Y/K6M>3^!6M[== BMI;W^R;H6[Z<1B*'RN?.VGH> -P/S>^:]+2..(,(T
M5 S%CM&,D]3]:AAL+.W,IAM((S-S(4C"[_KCK^- 'E<&C:;IGA'X:7EE8P07
M;WMCOGCC D;S(6+Y;J=V>:];9%==KJ&'H1FF>1"4C3RDVQD%%VC"XZ8]*DH
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M^1#LC3RH]D9!1=HPN.F/3%.DCCE7;(BNN0<,,C(Z&@#RCQ1I\6E_$/2K>!=
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M\-/X-\)1>'OL?_"0B[L_)6#;]I60,OG^9CY@-OF;]W'KVJ9/]=!_V4"3_P!
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M=LB*(1A@?E^]\AP.G3FMZVT6YA\=ZAK;/%]EN+""V103O#(\C$D8QC#COZT
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M171X= TO[=>ZE8C4!'//Y"00\#+MM8YW'  !Z&KNGZ!=VNM>*;R1X3'JKQ-
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M\OY..1N]<<5SP^&][8PW6F6>@^%;J*6X>2#5KZW5YX$=RQ#QF,^8RY(!W 8
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M#$ACB9VCC1"[;G*J!N/3)]3P*?110 4444 %17-M;WD#074$4\+?>CE0,I^H
M-2T4 16UK;V<"P6L$4$*_=CB0*H^@%2T44 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 V2-)8VCD171AA
ME89!'N*4      = *6B@ ZC!KC-:^%?A#7+AKF?2EM[ANLMHQB)/K@<9]\9K
MLZ* &11B&%(E+$(H4%CDG'J>]/HHH **** "N4\;>&;O6XK#4='EA@US2Y_.
MLY)L[&!X='QSM85U=% ")NV+OQNQSCIFL35/!GAG6I#)J6A6%S(W61X%WG_@
M76MRB@#B!\(/ @E$G_"/P\#&TRR;?RW8KKM/T^STJQBLK"VBMK6(82*)0JJ/
MI5FB@ HHHH **** "D95888 \YY%+10 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M1QDG(R>*L?\ "4>)+72/$_B:XU&&2RTF\N[6WTX6RCS=CE8V>3J,$@8'8>]
M'ITLL<,3RRNJ1HI9G8X"@=233;>>&ZMHKBWE26"5 \<B,&5U(R"".H(KC+VP
M\5V6EWCZAK5MJ5G+I]Q]JC:W6%H7\LE3%M'S+G((8YQSGM6%X?O/$>@^'? M
MW-JT-Q8ZA]DLFL!:JJQQO%\C*_WBPVC.>#D\"@#U2H8+NVN7G2">.5X)/*F5
M&!,;X!VMCH<$''N*9J%J]]83VL=U-:-*NT3P$"1/=200#[XK@/!DFF^#=*\;
M32O(EAI^K2N[NQD<@01$DD\LQ)_$F@#T%[VUCO8[)[F);J5&>.$N [*,9(7J
M0,CGWI[01/-',T2-+&"$<J"R@]<'MG KQS0M<TN[^)^B:S=Z[ITVHZC:7*21
M17B.MMEHA#;C!QNQN_WF+5[/0!G:IK^C:(8QJNJV5B9?]6+F=8]WTR1FI;O5
MM.T_3_[0O+^UM[(@$7$LJK&0>GS$XYKG?$+Z%X<O[C6;FU:^U?4HTM+>S $D
MD^W.(XU/W5^;+'IW-<SHN@W&E:YX%T+5A&_V:TOKSR1\T:3%E*J,]=BR,HH
M](AU73KC3?[2AO[62PVE_M*3*8]HZG=G&*9I>N:3K<<CZ5J=G?+&<.;:=9-I
M]\$XKA['1M,O?$?C32;T+'H]M>V>H-#N"1!_*#ON[;245B#P:9;:M9-X@U'Q
M\D!M/#MAIC6JW CVM?G>&WJO=!C:I/4L<<4 >AM>VJ7J637,0NY$,B0%QO9
M0"P7K@$CGWJ>O&?#NM:9<_%+2=6N]=TZ?4M2L+A)4AO$=("SQ>3;K@XR!GW9
MBQKV:@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 5#=VZWEE/;.2JS1M&2.H!&/ZU-10
M!S;>"].*I$CNEOBV\VW"KY<K0,I1B,=<*%..HQZ"K&K>%[+5%B"O):>3!)%"
M;8*OEEGC<../O*T2D=JW** .;'@ZT@.^QN9K656;8RJCJ(V2-&C*L""I$2'U
MR.M3V_A:TMO#YT=)I?*:?SVD"HI+^8)#@* H&1T Z5NT4 <[/X0MIHK=5N[B
M-[<R-&XVG#-<1W&2".<-$H^A-5[3P%IME-OB<J%D1X]L,2LH699MI<+N8911
MR>@]>:ZJB@#G;KPA;7-N(Q>7,1#W+AD(_P"6TPF8'CD97;CNI(-5K?P)9VVS
MR[N95$AD9%CC52?-CEP %& &C'3L3]:ZNB@#FK7P;;6\EDS7MS*M@(X[1&"@
M11H00O ^;HHR><*/<F%_ EF][!<->7#"&=+A$=4;:RS&;Y21E02<'&"0!SZ]
M710!A/X:4:5HUE:W\]NVD[?(F549CB)HOF!!'*N>W6H)?!]O<M?27%[<22WL
M$T,KX4?ZR**)B !@'$*GZDUTE% '.7O@^UO;NZNOM5Q'+.6;*[2$8K  1D=O
MLZ'GU-58_ &G0S2RQ3-'(7,L3I!$'C?S5ER6VY;#*."<8X.>M=;10!E:5I4^
MEGR_MSSPLTLLGF(H9I))-^> , 9(Q[CTJII7A.WTK6WU1;J::=HY8\R*F2)'
M5_F8#<Q!4 9/ [5T%% ')V'@YA%;MJ-]+++;REX50*%C7[0L^,[03DQQCGH!
MQZU='A*R%Y:W7G3[[>:YF # !S,[/\W'.UG)7TK?HH Y"T^']E:R"3[;.\G[
MH.Q1!Y@195^;"Y8LLSY8G.<$8Q6EX?\ "UIX>BF2W8-YL:1;A!'&=J9QDHHW
M'YCDG]*W:* .;LO";6NFVNG2:M<3VEK]G\I&BB4CR9$=,E5!/^K /U-9VI^$
M+UKN0:9<>7!=N&NW>4 D?:'FQMV'('F.!@@G.#ZCM:* .3N/ 5C/;M#]JE 8
MJ<O'&^,;\$97AAYAP1@C ]\Z=GX<M[.6WD6XG=H+A[@&1@2S.FPY..>.?K6S
M10!S\_A59C,BZE=Q6[W'VJ.% F(YO,63=DKDX=<X.1R?;#$\'VP>YEEN[B6>
MZ9'FD(4;F642 @ 8'0+CT'KS71T4 <G)X.:34[HB^E33[J-A/$H4M(6F>1E.
M5X'SXR#G!/?!I8/ EG%?_:VO;B24.K;F5-S;9TF&YL98YC R3T].M=710!S"
M^%@GB"PNE/\ HUJ]S<,Q?YI))I2X4KC&U2S$'.0<>YJ?5?"-GJ]U<7$UQ.C3
M+M8)C _=LG<>CDUT%% '/WWA*TOQ<"2XG7SY996VXX+QB,XX]!FJ4W@'3Y[M
MIY)FD+22%A+!%)\CRM*5&Y3C#._(YPWL".MHH Q-,\.)IE_'<)>SRQPPR000
M.%VQ([JY&0,G!4 9/0>O)S+WP=(-,N(K:\DN+CR9(;,SE4%MYDBR%P57)*LB
M,,_W .Y-==10!S^I:'-'I&EVVD_++ILBF!C*%( C:,G)5@258CD=R<YQ6?IW
M@=H+&SCN-4N5D186G6';AY8P<,&*Y'7MCH#QR*["B@#EM)\#V>E7\-ZMU-)-
M$T;_ '$4.4CFC!; !)(G8DGDD#MQ3=/\"6=A>Q7?VRXEE0QY9E0-)L+$%V R
MS'<<DGGVKJZ* .3G\!6,YRUS(V"KJLD:2('5Y6!*LN#Q.ZX/L1@C-+;> =+M
M;ZVNHRN8C$S VT/S/&=P8'9\G.,A<=!C'.>KHH C@1XX$225I750&D8 %CZD
M#C\JDHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
@* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>ex21-subsactivity2023001.jpg
<TEXT>
begin 644 ex21-subsactivity2023001.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %<[XLTC5]7AM8M,?2 B,S2KJ=F;A2<8!4 C
M!P6'XUT5% ' 6OAWQS8I*EK?^%H5F_U@32Y!OXQ\WS\\<<U4M/!'BBPDADM/
M^$+@DA8M$\6BE6C)ZE2'X)]J]*HH \YC\(>+XKE+F.;P>D\;;TD71V#*W/S
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M([@"QWY;'.-IZ9&<_P /-<$?#V!M,U)&TRVFMKPO9R*(I/("8)(Z9&-PX]Z
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MTVQ5(1:R".5ED?=C:!N**RMM!R0,4 >@#6M*:TENUU.S-M$VV283KL0^A;.
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M4E202<KD8/3_  SOB5%-<_#K6[6VMY[BXGMFCBB@B:1F8]  H)K0T72M.TZ
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MZCJ*6[^T"UD-H8A.%)3S02I/H<<UQWA_6Y]#T/48-8TV_DO=.DS-<6UG(_\
M: .,3)Q\S$$;ES\N".@%=<+R&73EO8RSP21"12J$DJ1D8 &?PH YOPEXT_X2
MOP_-,L"V6KVR W%G-D^62NY6'0E&'(/^%=!H]U-?Z+97EP(Q+<0)*RQ@[5W
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M&,B[5*D8;#<GVY["!WEMXI)(C%(R!FC)!*$CD9'!Q[4 ,O+ZTT^W-Q>W4%M
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MV6M*VD>$M2;2%@LWM[666';"-B, 6SM&!UR?J>] &@]]:1WL=D]U"MW*I:.
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M*966,@9.X@\<<UCZ=XF;4?'5WI%O<6D]A%I\=RK1 [U=G92&.2#P 1P.&[T
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M+I+R\LQ<V0L;B&V9%26(;MN<J2"N]L;2/0Y%:,VN:;80P_;]3LXG>)9"S2!
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M:N3\2^+HK?P9J^L>'K^PO)]/7YL-YJ*W&5.UA@X.:Z1+^S>]DLDNH&NXU#/
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M.$!SD#H14>G^"K+3-4ENK6_U%+22<W/]F^</LRRD[BP7&X?-\VW.,\XKI:*
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MQ:0 A<%6+'((-==10!4TZP33;-;=9IIVR6>:=]TDC'JS'U^@  P  !5NBB@
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M+#$SD(DR,Q. >@!-7=?FTR[A_LG5=+O+RUNXB3Y=G)+'_NL5!VGTSCZUNT4
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M6KXF=0P8#CME?\BM_P /C5HO[5T.X-W#=&0SVVM?9"1<*_(+[EVB11\I!P,
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M87VG&]?53U![U;HH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M72Q:E8SV1O8;VVDM!DF=)5*<=?F!Q7ENGV[OX3\%:=<Z;=[[+6?]+CELY,(
M)@2<K@KEEYZ<]:=-'>V*ZK=6UA?FRMO%/VN:&VMR'>W-NJ^9&I'S@2?-QGE2
M: /5+6[MKV!9[2XBN(6SB2)PZG\1Q7-6OB#6;[Q+KVD6UK8$Z5Y!5Y)'7SO-
M0L!P#MQC&>:L^$H-/$%_>Z9#>I#?7'GO)=H\;32%0&<(P!4< =!D@GW/+1VU
MC-X\\92ZI!JJVEREHD3VZ7*+*%B(< QXW8.!WH ZSP]XKLM<\-0ZU-ML(V=X
MI%GE7"2*Y0@-P",@X/>M7^TK 10R_;;;RY@3$_FKB0 9)4YYX!/'85YCH::G
MI/AWP];ZEI=S'!#JDZV4_P!D9I;*WV.(F>*,??8,5RP(&[)!-5]'L"T?A.WN
M],NV:TUV_,QGLF^2-C.5)^7&TEDY'&3[< '>ZWXE-G;Z-=:8UI>6U_J,-H\H
MDW#:[8)4KP2,'O6[#=VUQ)+'!<0RR1';(J.&*'T('0UY+=VEVVDW%K90W=K(
M?%_GP.MF["*,D'S0NW!0')STKNO!-[))I+V-Y826>HV<C1768WV3N#S,CL/G
M#]<Y)YP: -V34;&&[2TEO+=+E\;(6E4.V>F%SD]#^5(=2L!="U-[;"X+[!$9
M5WEL9QC.<XYQZ5YGXJ>::[UF.+3+Z"6+6+"<K!9R2_:41H<S%\$8 !4*F"-A
M)SDXNPZ/]NU3Q\]GI_E7\^UM.N);8IMD-J$W(Q'!#Y!(/7- '?P:E87,DT<%
M[;2O!_K5CE5C'_O 'CH>M303PW,"3V\J2PR*&22-@RL#T((ZBN"\+-IFI7%I
M?MIFL1:A8V#6UQ'=VSQI F!NB V@29(X SP,\=#V>C26DNC6<EA:FULVA4PP
M&'R3&N.!LP-N/2@"]1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M*Q?[.UW_ *#Z?^ *_P#Q5']G:[_T'T_\ 5_^*H VJ*Q?[.UW_H/I_P" *_\
MQ5']G:[_ -!]/_ %?_BJ -JBL7^SM=_Z#Z?^ *__ !54-)77]1MIY7UN)#'=
M3P "R7D1R,@/WN^W- '4T5B_V=KO_0?3_P  5_\ BJ/[.UW_ *#Z?^ *_P#Q
M5 &U16+_ &=KO_0?3_P!7_XJC^S]<SC^WX\_]>2__%4 ;5%8O]G:[_T'T_\
M %?_ (JC^SM=_P"@^G_@"O\ \50!M45BC3]</37X_P#P"7_XJC^SM=_Z#Z?^
M *__ !5 &U16+_9^N9Q_;\>?^O)?_BJ/[.UW_H/I_P" *_\ Q5 &U16+_9VN
M_P#0?3_P!7_XJC^SM=_Z#Z?^ *__ !5 &U16+_9VN_\ 0?3_ , 5_P#BJ!I^
MN'IX@C/_ &Y+_P#%4 ;5%<LJZ^=??3O[;BV+:K/O^Q+G)9EQ][VJ_P#V=KO_
M $'T_P# %?\ XJ@#:HK%_L[7?^@^G_@"O_Q5']G:[_T'T_\  %?_ (J@#:HK
M%_L[7?\ H/I_X K_ /%4?V=KO_0?3_P!7_XJ@#:HK%_L[7?^@^G_ ( K_P#%
M4?V=KO\ T'T_\ 5_^*H VJ*Q?[.UW_H/I_X K_\ %4?V=KO_ $'T_P# %?\
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M@#:HK%_L[7?^@^G_ ( K_P#%4?V=KO\ T'T_\ 5_^*H VJ*Q?[.UW_H/I_X
MK_\ %4?V=KO_ $'T_P# %?\ XJ@#:HK%_L[7?^@^G_@"O_Q5']G:[_T'T_\
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M_P"1WF_[!L?_ *,>MJL5/^1WF_[!L?\ Z,>MJ@ HHHH **** "BBB@ HHHH
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M8RN5^8$[2.<[J]CH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MU06]N#)\K%HU8 'G"@;FX[9P">" /USPYX@U_2GT^YUS38XG9')BTR3.58,
M09R&&1R"""."*HZ9X&U33-875H]3T0WBPM K)HGE!58@GA)ADG:.N<=L9.;#
M>.GBMGFFTET6'48K*XD\T^4JR$!)D<J-Z98 \ @U;C\7-+=:Y9BRC^UZ7/#
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MKS?[/3+?V;)MV^8_&//Z^^?PK7^R^*/^@OH__@KE_P#DBE3_ )'>;_L&Q_\
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MCQ+]BA-GJNFM]FND,Q!BW $/&P7Y@58$'"GZ$4 =+]E\4?\ 07T?_P %<O\
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M?]!?1_\ P5R__)%;=% &)]E\4?\ 07T?_P %<O\ \D4?9?%'_07T?_P5R_\
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MV8!SQ@>QK-MO!]Y!IUQ8W$VGW]K<WMS<SVUQ;$I()GWA>IP5)X;GZ#K7944
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M "F(!]LX/TK:HH Y+5?"=]KL=U/>:DEOJ#:?)8VTMHC!8/,(+OR<DG:HQD8
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MKJ&&<$AASU44GAC0KG08=1CN+V.Z%U?37:E(?+V^8Q8@_,<\GVK=HH ****
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M_P"??1_^_P#+_P#$4 ;=%8F_Q1_S[Z/_ -_Y?_B*-_BC_GWT?_O_ "__ !%
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MW^*/^??1_P#O_+_\10!MT5B;_%'_ #[Z/_W_ )?_ (BC?XH_Y]]'_P"_\O\
M\10!MT5B;_%'_/OH_P#W_E_^(HW^*/\ GWT?_O\ R_\ Q% &W16)O\4?\^^C
M_P#?^7_XBC?XH_Y]]'_[_P O_P 10!MT5B;_ !1_S[Z/_P!_Y?\ XBC?XH_Y
M]]'_ ._\O_Q% &W16)O\4?\ /OH__?\ E_\ B*-_BC_GWT?_ +_R_P#Q% &W
M16)O\4?\^^C_ /?^7_XBC?XH_P"??1_^_P#+_P#$4 ;=%8F_Q1_S[Z/_ -_Y
M?_B*-_BC_GWT?_O_ "__ !% &W16)O\ %'_/OH__ '_E_P#B*-_BC_GWT?\
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M%OKS[2UL;/*?9!&&\P#;\WF$G!.[ICM0!<HHHH **** "BBB@ HHHH ****
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M>FWEO)<PWQ7,8C50VZ3'W RG*YZ^QXJ?01]O\*PP7%G;VT9B:W$5JY,7EC*
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M-=1_:Y,3.KQ!6/S>CMTQQ["LS0I)-2@^'\=S?7<BSF_@D'VIQYJ1JX7=@\D
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M (SR9YXS*&;^\%&P;3P<G(/&-S1?%"7_ ,/[7Q/<Q[%:P^US(G8JN6 _$'%
M$_VKQ/\ ] ?2/_!K)_\ (]'VKQ/_ - ?2/\ P:R?_(]9OA>._P#$/AJSUS4-
M1NH;O4(A<Q);2;8[9'Y10N,-@$9+ALG/;BKT6L2:7;0:;<K<:IJMM9I+=_94
M7<1]W>02!\Q5L*.3@X'% $GVKQ/_ - ?2/\ P:R?_(]'VKQ/_P! ?2/_  :R
M?_(]4I_'ND(NGM:17VH?VA:O=6HL[<N943&X#./F&X<?UJO<?$?1[6.ZFEM-
M46VL[G[-=SFT.RW;"G+G.0OSCH"?;&,@&K]J\3_] ?2/_!K)_P#(]'VKQ/\
M] ?2/_!K)_\ (];0((!!R#T-+0!B?:O$_P#T!](_\&LG_P CT?:O$_\ T!](
M_P#!K)_\CUMT4 8GVKQ/_P! ?2/_  :R?_(]'VKQ/_T!](_\&LG_ ,CUMT4
M8GVKQ/\ ] ?2/_!K)_\ (]'VKQ/_ - ?2/\ P:R?_(];=% &)]J\3_\ 0'TC
M_P &LG_R/1]J\3_] ?2/_!K)_P#(];=% &)]J\3_ /0'TC_P:R?_ "/1]J\3
M_P#0'TC_ ,&LG_R/6W10!B?:O$__ $!](_\ !K)_\CT?:O$__0'TC_P:R?\
MR/6W10!B?:O$_P#T!](_\&LG_P CT?:O$_\ T!](_P#!K)_\CUMT4 8GVKQ/
M_P! ?2/_  :R?_(]'VKQ/_T!](_\&LG_ ,CUMT4 8GVKQ/\ ] ?2/_!K)_\
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M]877E'+[5)8, >F!@>Y-6P\'7EOXDLM6FNHV,UL&U5%&!<7*-NC8#T4N^,]
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M1VEE,+03+#Y60H5@5( .,C!XZ<UT)\*Z2!D_;@/?4;C_ .+H_P"$4TKTOO\
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MZ^M=#0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !6+=?\ ([:5_P!@Z\_]&6U;58MU_P CMI7_ &#K
MS_T9;4 8/CL3GQ)X*%LT:S?VG)M,JEE'[B3J 0?UJSJ^IZOI%GIT=S):"_U+
M4Q9_:(QY:K&1(Z $AL$A0O(/+&MW4=!T[5;RSN[R&1Y[-_,MV6=T\ML8R K
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MFD\TRKC:_F;M^X   YX QTJ'_A"?#P$@6P*B2Z2\?9/(N9DQM?ANO /U&>M
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MW-H)EGVFXE+-(I!5F?=N8@@8R3T'I3+KP3X>O)[F:>P+/<RI-+B>0 R)C:X
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MH **** "N;UFQ34/%^D1237,0%C>-NMYFB;[]OQE2#CGI725BW7_ ".VE?\
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M&<19W;B01D$?3G.>-*;7]5L=7US1;FY1KYEBDT=O* #I(=@R.Y23[W^S@\4
M;G_"-6W_ $$-7_\ !C-_\51_PC5M_P!!#5__  8S?_%5L(K+&JLY=@ "Q&,G
MUXIU &+_ ,(U;?\ 00U?_P &,W_Q5'_"-6W_ $$-7_\ !C-_\56U10!B_P#"
M-6W_ $$-7_\ !C-_\561X<\/6\MC=DWVJ+C4+I?EOY1TF<9X;K[UV-8OAC_C
MPO/^PE>?^CWH QWF\*QS30R>*YTD@.)E?6G4QG_:R_'XUJP^'[*XA2:'5-4D
MB<;E=-3E*L/4$-S61X2 /C?QT" 0;VWR#_U[I7,Z#J\OA[5/$.EZ8A.G2^(8
M[*R";=L+O&9)E0,0HP5( S@%NAZ$ [74--TG2H4FO]9U.WCDD6)"^IS#<['"
MJ/FY))JW_P (U;?]!#5__!C-_P#%5R7B>36SX3O(=91-L>K6)M)"4$CQ&YB_
MUBH2H8'(R.".PJ[KWB;5--U&9X+F*6&'5+2T,$4>Y$CE,:MYKD B3+D@*3@;
M21S0!T'_  C5M_T$-7_\&,W_ ,51_P (U;?]!#5__!C-_P#%5RVO>)==TI_$
MEE%.LFH6HANM,C$*DSP-G<N.[ I)D]@%..N=2?Q#<76DW6K:9J-NEB4MDMY;
ME,@LY4NPV@EFVNH50.7R* -7_A&K;_H(:O\ ^#&;_P"*H_X1JV_Z"&K_ /@Q
MF_\ BJY&]\6Z[;:5X@,,B"?3=5M+:)[J ;WBF\GA@I !'FGG'3&0#6G/J.OI
MJTWAY+PW%_%9F\%S!;Q)G?(ZQJ5=\;5VX..3D<CN ;?_  C5M_T$-7_\&,W_
M ,51_P (U;?]!#5__!C-_P#%5=T>6_GT>UDU2*&*_,8^T)"^Y%D'#;3Z9J[0
M!B_\(U;?]!#5_P#P8S?_ !5'_"-6W_00U?\ \&,W_P 56U10!B_\(U;?]!#5
M_P#P8S?_ !5'_"-6W_00U?\ \&,W_P 56U10!QR>'K?_ (3&:+[=JF!IZ-N^
MWR[O]8_&=V<>U7[S2-,T^$2WFL:E C,%4R:G*-S'H!\W)]A5A/\ D=YO^P;'
M_P"C'K WR7'QN\FZR8K;0_-LD;H&:7;(X_VL!5^GUH U;+2]*U%9#9ZSJ4WE
MMMD":G-E#Z,-V0?8TM_I.F:79O=WNK:K!;H55I&U&; +,%'\7<D#\:Q=>:YM
MOBWH!TUE26[TV[2\)7<OEIM,3, 1G#L0.>Y'>J$7B/Q0/AM!XJEU&R:2YBM2
M+<6> A>4(Y#;N<AAU'&* .R_X1JV_P"@AJ__ (,9O_BJK'2=,&IKIQU;5?MC
M0F<1?VC-DQ@A2WWNF2!6-XD\3ZO97?B""S=(+JPMX)=.MWBW_;V?.1CJWS#8
M I!!Y.<BK[ZMK47BY-)>XM=C:))=Y%N1B99$7)^<Y'S'C/XF@#3_ .$:MO\
MH(:O_P"#&;_XJC_A&K;_ *"&K_\ @QF_^*KE_#OB;7;F3P=<7]W;RP:[:2-+
M"D&SRW6+S P;/.<$$=.:ETKQ'JUSKVD64MW%-%J=I=2--#$/)22,IM,#$ NN
M'ZL"#P0>M '1_P#"-6W_ $$-7_\ !C-_\51_PC5M_P!!#5__  8S?_%5QOA?
M7M33PSX9M'N;BYO-7:YD:8+'YBA"S-MW84L20><\ \>E^[\0>(M&TVVEUN"6
M.!)ITNKRPB6:2.,8,4CQC=@$$[]H."!C - '1_\ "-6W_00U?_P8S?\ Q5'_
M  C5M_T$-7_\&,W_ ,54MKJ#2^%8M12\LYW-F)A=%ML#MLSO)[)GGV%<K8^)
M=>>^N[*';?3G0Q?VQEB$2R7&2N%Z'RR<8W 'WP<T =+_ ,(U;?\ 00U?_P &
M,W_Q5'_"-6W_ $$-7_\ !C-_\57-V_BV]N](U&?3C>W=U:/ MQ82VJQWML"Q
M\SY,!7.W)7&0<'KCE]KXP>_72[73KU[QM0GN%$R1)'-$L2@F-DDP!("PSD=
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MM0W?@31KR6\DE-X!=W$=U*D=TZ)YR%2) H. WR+D^U=-10!0DT:PEU>UU1X
MUY:PO!%(3DA'VY^I^7K[GU-4'\'Z,WAJ/0$MWAL(G$L0AD*-&X?S RL.00W-
M;U% ',3> ]&F2^5VOB+Z6&:XS=N2[Q;=C<GKE%/X>G%6M9\):=KEW:7L\EY!
M?6JE([JTN&@E*'JI9<94XSC\L5NT4 16UO%:6T=O FR*-0JKG. /<]:EHHH
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MS$F(R2@R !@%FXQSDYS5>]\$:-J%EY$RW F^U&]%W%,8YUG(P7#KC!P ,#C
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M ='17.VFFB^B:6T\5:G/&KM&S1RP, RG##B/J""#5C^P+G_H8M8_[ZA_^-T
M;5%<ZNFAKY[%?%6IF[2,2M")8-ZH20&(\O."01GVJQ_8%S_T,6L?]]0__&Z
M-JBL7^P+G_H8M8_[ZA_^-T?V!<_]#%K'_?4/_P ;H VJ*Q?[ N?^ABUC_OJ'
M_P"-T?V!<_\ 0Q:Q_P!]0_\ QN@#:HK$_L"X_P"ABU?_ +ZA_P#C=0V>F#4+
M2.[LO%6IW%M*,QRQ2P,K#V(CYH Z&BL7^P+G_H8M8_[ZA_\ C=']@7/_ $,6
ML?\ ?4/_ ,;H VJ*Q?[ N?\ H8M8_P"^H?\ XW1_8%S_ -#%K'_?4/\ \;H
MVJ*P+C2'M+:6XN/$^JQ01(7DD>2$*B@9))\O@ 4Z+199X4FA\2ZM)%(H9'5X
M2&!Y!!\OI0!NT5B_V!<_]#%K'_?4/_QNC^P+G_H8M8_[ZA_^-T ;5%8O]@7/
M_0Q:Q_WU#_\ &Z/[ N?^ABUC_OJ'_P"-T ;5%8O]@7/_ $,6L?\ ?4/_ ,;H
M_L"Y_P"ABUC_ +ZA_P#C= !H?_(6\2?]A)?_ $EMZVJY[PQ;M:WGB&%[B:X9
M=27,LV-[?Z- >< #VZ5T- !1110 4444 %%%% !1110 4444 %%%% !1110
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MJ3N4\ ]J .4\)2+=>*O%/B>1!8!%6TN--',BM%D^;)CC<P(VD9!7O5_2M?\
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M*3RU!P05C8ACN/3&,]ZZ*W\&VED=,>SO[^WGTZS^PQ3*R,S0_+\K!D(/*KR
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M[(_U62I/?&1UK:C\"6,,=J(=0U&.:UO9KV*=9$#J\N[S!]S!5MQXQQV(HMO
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MX*TW;:M'-=Q3V][)?">)U5WED#*^<+C!5B. /;!YKI* ,70_^0MXD_["2_\
MI+;UM5BZ'_R%O$G_ &$E_P#26WK:H **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ K%NO^1VTK_L'7G_
M *,MJVJQ;K_D=M*_[!UY_P"C+:@#:HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ K%\,?\ 'A>?]A*\_P#1[UM5B^&/^/"\_P"PE>?^CWH VJ*** "BBB@
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MM$D@5E9Y !AC@'/8$\ FM&O-]0MY6\2:Q%JOAW6-1TS6HX6MQ;.P5<1A&BF
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MC^$ACQ]/2O++:WA7PIXX6+PL]^ZZQ?B.:)8AY1SPP.[>-O7Y5)]* /33I&J
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M[EI8I()EN+>XA8+)!*OW74D$9Z]000:U:* ,RUTZ_4H;[5&NC'R@6$1J3V+
M?>/MP/;IC'L_!D]C9ZG:P:]=Q1:E=374[)%&'5I3\VPD' ].#BNKHH H:1I%
MIH6BVVE:<GE6UK&(X@3NQ[GU.>37/#P$G]A7^DG5)S%>ZC_:,C^4NX2>:)2!
MVV[E';.,\UV%% '.R>&)3JVI:G#JLT%S?);JQCC7">2Q9<9['+ @]0>U59_
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MQX7G_82O/_1[UM5B^&/^/"\_["5Y_P"CWH LZ?I1LQ?+/.+E+N9I65XP -P
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M>2RJ"LD)!7!QTP.%7@'(K5_X1=CJ6D7\FIW$UQIQE;?*BDSM(NUBV  ..@7
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M5B?8O$G_ $&]/_\ !:W_ ,>H^Q>)/^@WI_\ X+6_^/4 ;=%8GV+Q)_T&]/\
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MC7-*FN)=-\01WEOI$ME=1M;O$T$97#1)\H$C9&5 W=,\9P>U^Q>)/^@WI_\
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M$G_827_TEMZVJY[PPES'>>(5O)XYYQJ2[I(XC&I_T:#&%)..,=ZZ&@ HHHH
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M(%(24LJML.]O3@ XZCOMW>G:9*N@I;>(;*-=)NOM1,K+(T[E75LD.H&?,8G
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MK4]-\8V=FFH)&-0@"H^]T7:'C)?]VVT <[AP*;?Z+87H\3J/$VGHFNVR6Y!
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M +_K_C1_;6E?]!.R_P"_Z_XT 7J*H_VUI7_03LO^_P"O^-']M:5_T$[+_O\
MK_C0!>HJC_;6E?\ 03LO^_Z_XT?VUI7_ $$[+_O^O^- %ZBJ/]M:5_T$[+_O
M^O\ C1_;6E?]!.R_[_K_ (T 7J*H_P!M:5_T$[+_ +_K_C1_;6E?]!.R_P"_
MZ_XT 7J*H_VUI7_03LO^_P"O^-']M:5_T$[+_O\ K_C0!>HJC_;6E?\ 03LO
M^_Z_XT?VUI7_ $$[+_O^O^- %ZBJ/]M:5_T$[+_O^O\ C1_;6E?]!.R_[_K_
M (T 7J*H_P!M:5_T$[+_ +_K_C1_;6E?]!.R_P"_Z_XT 7J*H_VUI7_03LO^
M_P"O^-']M:5_T$[+_O\ K_C0!>HJC_;6E?\ 03LO^_Z_XT?VUI7_ $$[+_O^
MO^- %/0_^0MXD_["2_\ I+;UM5@^'9HKC4/$4L$J2QMJ2X=&# _Z+!W%;U !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %8&HVT%UXSTE+B&.5!I]X0LBAAGS+;GFM^L6Z_Y';2O^P=
M>?\ HRVH AU)](T^^M+!-&BNKVZ5WB@BAC!V)C<Q+8  W*/7)''6I-*32]4C
MN#_8B6LEO,8)(KBWC#!@H/\ #D$88<@\UG>+]'TS7=3TRS?4I],UQ$EGTZ\M
MW"NNW8'&#PP.Y<KW K"A7Q#XB\*ZW8W,T;ZYHU[BWO;-FBCO714<!@#_ !#Y
M&7H/PH [[^R-,_Z!UI_WX7_"C^R-,_Z!UI_WX7_"O.O$&I-K?P]U?Q5;2WEF
MEQ';I:A97B9%5U#$@$<EV=3V(1:77;J[\-ZMXLCTNXNRBZ1;7A5IGF9&,LBR
M2+N)(.P9XQ]T4 >B?V1IG_0.M/\ OPO^%']D:9_T#K3_ +\+_A7F6O&V'A/Q
M-J6C^*%N8Y-)\T0:?(ZI$X^[)N\QBK,#@CC=MY!P:V=9BM?#^HZ#F]=]/O+B
M>6[M[F^R9W,(VL#(P7:I&2N0,L"!D4 =I_9&F?\ 0.M/^_"_X4?V1IG_ $#K
M3_OPO^%>>_V5J-CX$M=:COKF]OM-NWOFC6_><2VX<Y@)W%6(BQTXW*.N23V?
MAIA>VL^L@R;-2D\^%6)PL( 6/ /3<HWGW<T 5I[G1AJ\NE66BQWUY BR7"PP
MQA8 WW=[,0 3@X R<<XQS5C3%TK4GNX_[$6VEM91%)'/;Q@Y*JV01D$88<@]
MC7/>#'&E^,_%^F:@XCOKK4/MUOYAP9K=D4*4S]X+M(..E:'BO5=/SIL!N&S/
MJ*PX641PS,J.Q25\'Y!C) R20!ZT =#_ &1IG_0.M/\ OPO^%5;^PL[2R>:W
MT*"\E4J!!%'&K-D@$Y; X!)Z]J\SM+YKS3-$MFUB<JOBJXLF-O>.N8#Y^Q,A
ML[?E7:3R !@U+JL=UI&A>,K.UO[W^S;'4+/[%(UTY:-G,1ECWDY91NZ$D?,:
M /3%L-&>ZDMELK(SQHKN@A7*JQ8*3QW*M^1JOJT&E:3H]YJ+Z1!,EK"TS1Q0
MQ[F"C)QG Z#UKA]5GTW2/%/CR\NKJXM)/[-M762VEQ-RDP+("<$CCGH,=JC2
M^59O'%@MW;^1_84<T=O#<F5$8QSAR">I(5=Q ';ZD [ZQM=+O])MK^/2K;;<
M0+,L?DIGYE! ],\U2\.76B^)=/DO;;1%@B29X,7$$0)9&*MC:3P""*O^&#GP
MGHQ'3[#!_P"BUKS*QD8?#6V>&ZF@8^*-F^"8H2K7V"#@\C!Z'- 'JW]D:9_T
M#K3_ +\+_A1_9&F?] ZT_P"_"_X5PBZ-+J%WXX\.V-_=P>6+>6S;[5(6@F>(
MG(8MNP649&><GUIL^OWFH>!=0\56L,]M-#9);^6H;,3*P^T,%SR5RR@]08S@
M\T =[_9&F?\ 0.M/^_"_X5%/8:-;(KSV5E&K.L8+0KRS$*HZ=22!7#F.&>UU
M*YT/Q?9LMW;P!8HMQMXY/-4*SGS&*&3.PXP2,GJ#69J4L5WI]G%J6GOIUS9>
M)[2.ZB^U%X8RRIS$_&$*E3C@J6/3- 'J']D:9_T#K3_OPO\ A1_9&F?] ZT_
M[\+_ (5YEKD2RP_$2:._O2-/M8;BR*7LF(7^S[PRX;IGG'3\ZMW\]]I&N74F
MDSW,MW<^%[B]\MYFE$EPC)L<*21GYB,  =L4 >A?V1IG_0.M/^_"_P"%)_9&
MF?\ 0.M/^_"_X5YL\ME>:!J6KZ5XI$WF:%.[6UG(ZMN5-RRR'S&*N#QG@G)!
MS5O3K<1:_H]N+BZECU3PW+)=))<NXE=?)VM@G@X=AQC@T =U;V&C7=NEQ;V5
ME)#(,HZPJ0P]1Q4O]D:9_P! ZT_[\+_A7E^@B<^ _"1T5K2_ECT]I+G2I;ID
M-QA(PS(X)"2)D8!X^<]#S7?^&];TR_TG2H;>Z(GFT^*YCMKB0&X\H@ .PSD\
M\%NF: *^KWFC:/JFEZ?+H7G2:E*T4#0P1;0P4L0VY@1P">E;/]D:9_T#K3_O
MPO\ A7+>,F4>,O P) )U&;J?^G=ZY;4P\.D>+]26_OA<Z;X@B%JQO)"(@?L^
M1C=@@[F&#D8.* /4O[(TS_H'6G_?A?\ "C^R-,_Z!UI_WX7_  KAGU"PU+6?
M$ECK>K3:?J-G?1?8A%/Y<JP;(V3RE/WM[;P< DYV^@KOH;VUN+BXMX;F&2:W
M(6:-'!:,D9 8=LCGF@"+^R-,_P"@=:?]^%_PH_LC3/\ H'6G_?A?\*N44 4_
M[(TS_H'6G_?A?\*/[(TS_H'6G_?A?\*N44 4_P"R-,_Z!UI_WX7_  H_LC3/
M^@=:?]^%_P *N44 4_[(TS_H'6G_ 'X7_"L7PWI>GM87A:PM6(U"[ S"IX$[
MX'2NFK%\,?\ 'A>?]A*\_P#1[T 4-(U3P[J^M:EHRZ7%;:EIS+YUM<01ABK
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M_P!^%_PJY10!3_LC3/\ H'6G_?A?\*/[(TS_ *!UI_WX7_"KE% '-)I>G?\
M":3)]@M=O]G1G;Y*XSYC\]*9J=]I&F:[8:.?#S7%S?)(\!A@@VD1@%LEF7&-
MPJ\G_([S?]@V/_T8]<]XJB>X^)W@V&.\EM9#;WY$D(0L/EC[.K#]* .BTZ#3
M[];CS- %F\$OE,EQ!%EOE5MP*%@1AAWZ@CM5W^R-,_Z!UI_WX7_"N5UI[K2;
MSPKIE[>S3Z?=7TT=Y=.=IE8H[1(Y7  9B.!@$@#&#BN<UE[VVAURSBOKN/3;
M77]/CLY4N&!02-$9HPV>54L< Y SCMP >F_V1IG_ $#K3_OPO^%']D:9_P!
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M3_OPO^%7** ,+P]#%!J/B**&-(XUU)<*B@ ?Z+!V%;M8NA_\A;Q)_P!A)?\
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MXU.$6]]/:H]Q$AQL<J"P'IS7*>!]?U)M=U;0M:NFN) \EWI\S@ O;B1HRIP
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M.[@BNKD/;?:_+CC <0\X<AB.#@X'4X. <5:F\0V"^%)?$<,GGV"6;7BLO&]
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M=18%R!@$GR.>.*S/"-Q>^+M B\0WE]=6PO6=[6VMW"+;Q!B$SQ\[$#)W9'.
M!72:5!>6VFQPZA<_:KE"P:?:%WC<<' X'&.!0!2^U^)?^@-IG_@S?_XQ1]K\
M2_\ 0&TS_P &;_\ QBMJB@#%^U^)?^@-IG_@S?\ ^,4?:_$O_0&TS_P9O_\
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MZ?2K= &+]K\2_P#0&TS_ ,&;_P#QBC[7XE_Z VF?^#-__C%;5% &+]K\2_\
M0&TS_P &;_\ QBC[7XE_Z VF?^#-_P#XQ6U10!QR77B'_A,9C_9.G>;_ &>@
M*_VB^,>8_.?)Z^V*OR1:Q-<K<R^&]$>=?NRM?,6'T/D9JPG_ ".\W_8-C_\
M1CUB^)]6DTOQYX7@DU5K/3KQ+LW*/(J1N8T0IDGIRQZ$9H UKA]>NX&@N= T
MB:%QAHY-19E;Z@P5"UOJKVR6S^&-#:",Y2(WQ*K]!Y&!678ZX+WXH75K;:R+
MC2HM(6Z,<<RM&DIE9221S]T#C.*V[;Q9IUS<Z?%MN(HM2!-C<2(!'<8&["G.
M02O(# 9'3- $+PZO)-YS^&M$:7;LWF^8MMQC&?(Z8[4Q;34U$87PMH($3;HP
M+T_(?4?N.#5'PSKS6NFZDVI75Q=R_P!NW-E:JV&DDPY"(HX' !/8  DX&:RU
M\0F.W\<3:M>:Q;V=I=Q1IY6//MP8HR0FW*@;B>>F#UH Z9(]8CO7O4\-Z*MU
M(-KSK?L'8>A;R,FHQ::FMRUROA;0A.SB1I1>G<6&0&)\C.>3S[T_4O&>GZ9?
M7]F]KJ$\]A;K<SK!;EL1MN^8$X! V-^7&:L3^*=/C\H6XFNWDLOMX2W4$B#C
MY^2.N>!U//'% #)WUZZA:&XT#2)HFZI)J+,I[]#!44L6L7%Q%<3>&M$DGB_U
M<KWS%D^A,&16KI.K6NMZ5;ZG9,YM;A!)$TB%"RGH<'G!JA;^+=.N+JSB"SI#
M>QR26MTZ#RIE098@YR!CD%@ 1R,T )-)K]S"T,^@Z3+$WWD?478'Z@P5#'!J
MT4L<L?AG0TDC&U'6^(*CT!\C@5/;^+=.GN+",I<Q1ZBA>QFDCPER -V%P202
MO(# $CI5&/X@:1)%:3BWU$6UU<O:),;5MHF5F781UR2A P#V!P: +$$.KVLD
MLEOX:T2%YCF1H[YE+_4B#FF&TU,VDEH?"V@FVD.7A^VG8Q]QY&#2/X\TF"QN
M[FZAOK<VEW':3PR6Y\R-Y-NPD#(VD.I!SW]>*(O'>D,NI">.]M9]/"&6WN;<
MI(RN=J,H[ACP/0]<4 3V_P#;EHK+;>'M'A#8)$>H,N<# Z0>@ J-X-6EEDED
M\,Z&\DNWS':^)+[>5R?(YQ@8]*+KQMIEC8ZG=7<5W"=,F2&ZA,6YT+A2I^4D
M$$,.<TK^--/C35C)::@CZ7$MQ/$UOAVA;=B15SR/E;W&#Q0 QK/4F$@;PMH)
M$C;G!O3\Q]3^XY-$]IJ=RZ//X6T*5T0QJTEZ6*H1@J,P<#':M6#6;>XFT^**
M.5C?6[7,;#:0J#;RQS_MKTSUK%\6:Q=VFKZ!I<%O=/#J%RZ3M;N$9E6&1]BM
MN!4Y523QP.O- %UWUZ6W-O)H&D/"1M,;:BQ7'ICR,5 +;5%:-E\+Z$&B&V,B
M].4'H/W''6HK?Q%8:#IIBN;N_O;2SN/LMQJ<X5EC<M@*Y&"=NY5+!2 >IR#5
MM?%ME)K\^C0VFH37-O-'%,T=LQ2+>I969NRX'6@"!;34T5%7PMH(6-_,0"].
M%?\ O#]QP?>E%KJ@:-AX7T(-&24(O3E23DX_<<<DFJOCJ^OM%_L?6(+R:+3X
M+^*+48EQM:"0[=QXR-K%3QCC-4]-UV2S^)/B'2+_ %&>2R6T2ZM?-P%A"@&9
M00!G&^-N<X!H U1::F(UC'A;00BR"4*+TX#CHW^HZ^]9&N:+XIU":S>QTOP[
M#% 9&DM+N5IX)6?&7*B)2'&#AL_Q-ZUL:?JLFF:;IL-]]MO-2U$23QP84NJX
MWE<DJH" JO)R3ZDUGWWB#^T=2\$ZAI=[.-/U&ZD#Q@;1(GV>5@&&,Y#*./44
M &DZ+K.GV=U#-X=\.O\ :V#3Q6]PT4#8&!B/R3^)))/T  UX)-?M8$@M]!TF
M*%!A(X]1954>@ @XJK!X\TF>6!5@OUBEOFT_SWMBJ).&*A6)Y&6&!Q]<5/+X
MQTV#3]0O9([E8M/O197(V#*2'9COR/WB<CUH A:SU)@X;PKH)#MO;-X?F;U/
M[CDU-$FM03O/#X<T6.9QAI$OV#,/<B"GZ;XAEU#Q7J^C_P!GS1QZ>(AY[%<,
M7#-GALX(QCCUSBL3Q3JDEAX[T.UFUR33=-NK2ZDN"941=T>S:=S X^\: -U)
M_$4:E4T/2E!)8A=2<<DY)_U'<DFJL=IJ<-O+!%X6T%(9FW2QK>D*Y]6'D8)^
MM4_"'B"^?PWJ6H:[,[VEM>RQV=Y)#L>ZM@0(WV@#)).!@#=Q@<U?;QKI<+7\
M5TEQ;W-BL326\B NRR-MC*[2006^7KP>N*  0:LMF;0>&=$%L3DPB^;83G/W
M?(Q36MM4=I6;POH3--Q(3>DE_K^XYK,\7^)&G\#>)Y-.FN]/U'2TVRCY5DC?
M:KCD$@@JP.0?RK3D\4RQ>*KO1_[*NI8[6P2[:6/8Q?<6 P-V?X".F2>V.2 *
MD&K12QRQ^&=#22-=J.M\05'H#Y' I([75(A<"/POH2"X.9PMZ1YI_P!K]QS^
M-7+'Q+9:C8:3>6L<[Q:H?]'P!D#:6RPSP,*?H>.IQ6/\0=2N=*MM#GM]0DLH
MYM8MK:Y<,H4PN3O!)&!P.O:@"ZEOJL;Q.GAC0U>(8C9;T@H/;]QQ4L+Z];(R
MV^@:1$&8N0FHLH+'J3B#J:Q-3U^.Y\?>%K#2M<66UNOM/VN&VG1PP2+<F<9(
MYST(S6Y+XOTR K(XG%BUU]C^W!1Y(FW;-I.<@;OEW8VYXS0!@^&]"\1:*U[-
M<Z+H-Q=3WL]VDZ7CJZ"5BQ3)A)XR1G]*VGBUB2\2\D\-Z(UT@PLS7S%U'LWD
M9%4+'6CI_B7QB^I7\IL+%K5HU?D1!H\E5 '=CP.I.!S5==<N3X_U*&Y_M*VL
MHM$6X-LX!*MYA!= A.3@>I.10!L1KK45R]S'X=T9)Y/ORK?L&;ZGR,FHWM=4
MD38_A?0F3>9-IO21N/5O]1U/K4%AXNTRVT_0[6$:K?27VG_:;5GAWRS(JKRS
M<#?\RY[<\XJ]:^+M,O;#3+FU$\K:FSI;6X0+(S)G>""0!MVG.3U&.XH BFAU
M>X>%Y_#.B2O#_JF>^9C'_NY@X_"G2)K,MP+B3PYHKS ;1(U^Q8#TSY&:NZ'K
MUGX@LY+FR6=4CE:%Q-$4*NI(9>>N""#CTK4H YK[-JGV-K3_ (1C0OLSG+0_
M;3L)]2OD8I9(-6EM4M9/#.AO;QG*1-?$HOT'D8%=)10!SRC6T:!E\.Z,I@!6
M$B_8>6#P0O[CC\*G^U^)?^@-IG_@S?\ ^,5M44 8OVOQ+_T!M,_\&;__ !BC
M[7XE_P"@-IG_ (,W_P#C%;5% '/>&'N9+SQ"UY#%#.=27='%*9%'^C08PQ5<
M\8["NAK%T/\ Y"WB3_L)+_Z2V];5 !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %8MU_P CMI7_ &#K
MS_T9;5M5BW7_ ".VE?\ 8.O/_1EM0!+J-M>3:SI4\$*-!;N[3,TF"-R%1@8Y
MZ^U8\'@W^SO'@UW3I_*L;A)&N[+^'SR !*H[$@$-ZX!KK:* .7\2Z-J&I>(O
M#=]:0PO#IET\\QDDVL0T;)A1@Y/S9YQTJ7Q;X=GUM-.O-/FBAU32[H75JTV?
M+<X(:-\<A6!QD<CBNCHH R[2XU>Y*?:;"*R"\R?OQ*6]EP!Q[G'TYR.7TO0O
M$%AIGB.S;3=-G_M6_N;F,371V!)< !QL.<8Y KO** ,3PGH<GAGPCIVCO<M=
MRV< C,AXW'K@9Z#G ]@*YZ^\%W^JV.ENTRV&H6=Y.7DBDW;[6=F\U <#DJPQ
MQPR_C7>44 <->>#[S4/$'B+S$BM]+U32$TV-XY,O'M#C=MQC'S\#/:I[70=6
MO)/#CZK#!')H89V:&7<+F3RC&NW@;5()8YYS@<]:[*B@#@4\):P?A7_PCS+:
MKJ,<HD3]Z3&^VX$P&[;D9 QTZU0UA+[4?$^L):V-C/OL(;/5((]4^SL<AF*M
MNC.X;)  XVGYCS_=]-JA>:%I&H7275[I5C<W$?W)9K='=?H2,B@#A]5T?7/%
M&EW*6UG:+IEYHYMK6VFN2%M)L.I8!5*R @IM;/ &1C/-6^@U&?7;BVM;.QFN
M(](ALM2BBU3R&P=QVDM$VX;2,,-I&YN3V]1JA>Z'I&I7$=Q?Z78W4T?W))[=
M'9?H2,B@#BETO5)[[3_$&CZ+IL]M+8+83:;>3A1"(G?8\<@5@5^9NW(VFNS?
M2TO/#\FE7ZQF.XMV@G6%=BX8$,%'8<G%:(    P!10!RGARU\1:#H]MHD]K:
MWB6<8@M[U;C8'C7A=Z;258  '&X''441Z/J^D^*]0U:T6&^BU.UACG1Y/*,<
MT08!AP?D(;GN,=ZZNB@#A=#\'WOA_4O#@A\J>UTO3)[65]^UGDD9'RJX^[E#
MW[BH+/PIK<'A[P[8O#;>=IVL-?3$3G:8R\K84[>6_>#@XZ'FO0:" 001D&@#
MS#2=)N_$?AK7-%\E$M)_$-RTER9/NQK=;V 7&=QVX';G.>,5<U'PUXFOM26X
MFBL+A[;6TO;>>6Z8'[,#Q&%V$)@'G'WB,\YKNK/3K'3D=+&SM[59&+N((E0,
MQZDX')]ZLT >?7GA76[C0?$=DD-MYNHZRE] 3.=HC5HFPWR\-^Z/ SU'-6M5
MT^VUCQSI\EA?0^9Y30ZO;QL'+0QLKHK8/!$GRX/57>NWJO;V-I:2SRVUK!#)
M<-OF>.,*9&]6(ZGW- %&'4+]_$]SI[VD/V!+=9([A)27#Y&5=<?+G.1S_":R
M=:TK6)O'.CZU8VMM-;6-M/"ZRW!C9C)LP1\IZ;>_K7644 <9XKTKQ%XF\(:U
MI?V6R@FNT2*V3[2650""SLVP'GI@ ].O/&PCZY<RV]O<:=9V]JW%RXNC(VW:
M?E5=@SDX!)/ SWK;HH X_P ,:3K?A'3AH4-K!?Z=;NWV*Y^T>6ZQLQ8)(I4\
MKG&Y<Y&.!766XF6!1<,K2]6*# SZ#V'2I** "BBB@ HHHH **** "L7PQ_QX
M7G_82O/_ $>];58OAC_CPO/^PE>?^CWH R-+TS7]+\2^)=22PLY8]4FBD@5K
MLH5V1!/FPAQG&>,UF7/@'4AI=S?1W-G<^(I]335)/.0BWD**4$'<[ C$ GG/
M/T]$HH XC5=#UO5_"DMM_9FFV%W-=6THMH)LHBQ2JY+/L&YCM(QC X]ZJ>(/
M#7B75Y]0W16-POVZUNK"2:Y9?*CC>-FB"!"%.5?+@Y.X>F!Z%10!R6K>#SJ_
MB,W4SQC3;VR^SZG;#/[YD.8L?3>^3_LJ*K0>'?$6G^ OL%O?1RZWOC\V8N8Q
M+&A5=H< E"8D W#^(D\5VU% 'FEWX-UZ6U\10V]EIT*ZG=V5S"B7+83RO*+@
MG9W\L\]RU;.OZ)JY\46VO:98:?J*O:"TN;*]D\O: Q971]K<@LP(QR*[*B@"
MM80R6]C#%,(1*%^80KM0'KA1Z#I5FBB@ HHHH **** ,5/\ D=YO^P;'_P"C
M'JCK.CZC>>./#NK6\4)L]-2Y68M+AV\U54;1CG&WG)%7D_Y'>;_L&Q_^C'JS
MJ6M6FES6UM)YDMW=$BWMH5W228&20.@ [L2 ..>: .?O?#=_J'C?4;^5(TTV
M\T;^S"ZR_O02[,6VXQC#>N>*AL?#.JSZ=X8TS5$MT309XY3<129^T>5&R1[5
MQE<[@6STQ@9SD=+::U%<ZD=.DM;JVNQ"9O+F08V @9#*2IY/0$X[XXK2H \Y
M'A+7X!'J%NEJ;ZTUZXU.&!YSLFAFW*4+;?E<*YP<$9I=2\*^(=2TSQE$;:RB
MEUN2%[=?M1.S;'&AW'9_L=L_UKT6B@#CKS0]6N-=U^^2W@$>H:1'90@S<B1?
M,)W<<#]YU&>G2N=DM-2M=2TO3[*"SEU/3]"CL[Y4U$0.5;@8+1L&7]VQ! !&
M>O->IU1O]$TG59(Y-1TRRO'C^XUQ;I(5^A8'% %#PXL-WX2M[5+$6$"1-:K!
M'*)%15RGRN/O# X-8FA:%XCC\-CPKJPLDT^"T>R6^MYBTEQ%L*)^[*C80""3
MN/*\=<CMU544*JA548  P *6@#B++PWJUQ8>&;#5([=!H,R3&>&3/VDQQ-''
MM&/ESNW-GIC SG(JP>%=;B\/:78F"V,UKKIU*3$_RF(SO+@';][#XQTXZUWE
MS/\ 9K:2<QO((U+%4QN('IDBJ6@ZW;>(M'M]4LDF6UN%WQ-*H4NOKC/'XT <
M#XPTO4;"U\1ZA)%#Y>H:MIDEL/-Y.R2%,-QQDKGC/!K9UGP_KM_?:EK>GF.S
MU"2T@L[>)IL%HTE,DFYU!VE@2H(SCKP3QK_VCI/B#6;[0;G3#<RZ>8Y)UN8$
M>-"P)0C).2<'IT[XK0U/5[+188/M#$/-((;>")-SROCA54=> 3Z #)P* .$O
M/!NNSV7BB""RTZ!=6>UD@1+EB$,80,&.SG[A.>Y/XUT0LYK/QCJ6O:C]EM]+
MGTZ"U+RS ;65Y"=V1C!\P#KV]ZU8=<C?48-/N+*\M+F=&>-9D4JRKC/S(67/
M(XSGVJ]=6EM?6SVUY;Q7%O(,/%,@=6[\@\&@#E? .C_V=8W,BW7VFT$KV^G-
M_<M$=BBY[\LP![JJ5=U_2]0O?$/AV]M(HG@TZYDFGWR;6(:)XP%&.3\V><=*
MZ%$6-%1%"HH 55& !Z"G4 <!+X/U0Z%K_AG]R^GZI=RSQW9D^:&.5][JRXY8
M$MM(.#D9Q6YHND7MAXLU^^FCB6SOOL_V<K)N;]VFP[ACC/4<FNCHH S]=TF#
M7M!O])N/]5=P/"3C[N1@'Z@\_A7'R^ ;NZT?PPD]X#J-C,6U"?.?/CE4_:$]
MPQP![ 5Z!10!SOB&PUB\U72WLTM[C34\T7EK-,8@Y(&QCA3N PV5/!R#VXY[
M1_">N6&F^#K::&S+:+<RR3F.<X9#'(@VY4<_/G'MUKT.B@#ST>%=;&CI;>1;
M>:/$?]K?Z_CROM'F[<[?O8XQTSWIFK>%?$,UGXFTVS@LG@U348K^&>6X*D8\
MG<A4*<8\H\YZ'I7HM% '.:9I6I67C/6-1DCMC9:C';MN64ET>-"I7;MY'(.<
MCZ57UK0+S5/&VDZ@UK;S:7;6ES;7"22?,XF"#A<8(^7G)[UU=% ' /X/UO\
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MNA<+)(YWL^\ 98ECD8&/IBNDJ.WMX+2!(+:&.&%!A(XU"JH] !P*DH ****
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MH VZ*Q/[5UK_ *%R7_P+B_QH_M76O^A<E_\  N+_ !H VZ*Q/[5UK_H7)?\
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M;O!:^$%AB?[Z)<0@-VYYY_&HK:"2SMY+>V\$PQ0RKL>-)8 K+_=([CD\=.:
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MT +H?_(6\2?]A)?_ $EMZVJY[PQ+-/>>(9+BV-M*=27=$7#%?]&@[CCWKH:
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MI4JJX^;;D?R[[%9UG>:A>2(9-,EL(QS)]I>-F;C@+Y;,.O<D?3GC1H ****
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M1J(\'.&W!CN"XQCFJ5OX=UN+PWHUFVFOY]KK[7\JB:/B(SR29!W<G#@8]0:
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MZAM6B,# JTK* 3QR/F'3.3QUI]WXWT6RDO8Y6O/-LH4GN(ULI2T<; D,1MZ
M*<GM]:YF;PIKB>'=0L;4W4]LE[9W.GVE_<*\R+%(CR)YF2-ORX7+'&*T+C2=
M8GU;Q5='36"ZEI4-M %F0YD5900>1@?O!S['VR ;UGXJTB_U)+"">3S98#<0
MN\+I'-&,99'( 8#<N<'O3/\ A,-'$ZQ/-,ADMWN8&:W?$\2X+-'Q\V 0<#G!
M!Z<USA\-:I=/X7AEM'ABL]&N+"[E$B$QO)'&@( ;D#RR>/4>^$T+1M8@TI;.
M_P#"VF07=E:O M_ \;-<G84!CX!3=P26(],'/ !T-AXTT74YK:*UDN6:ZM3=
MVQ:UD43H "=A(PS ,,@<\_6IO"WB&/Q/H46J16\T"2EMJ2H5. Q YZ'@#.,C
M-<YI.@ZO:R>!!-8,HT>QDM[QO-0A6,2(,?-R,J3]"*V? NFZAHWA6VTO4;9(
M9;4O&&64.)!O8AACH"".O/7B@#I**** "BBB@ HHHH **** ,70_^0MXD_["
M2_\ I+;UM5BZ'_R%O$G_ &$E_P#26WK:H **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ K%NO^1VTK_L
M'7G_ *,MJVJQ;K_D=M*_[!UY_P"C+:@#:HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH *1E5U*LH8'J",TM% !1110 4444 %%%% !
M1110 4444 %%%% !1110 5B^&/\ CPO/^PE>?^CWK:K%\,?\>%Y_V$KS_P!'
MO0!M4444 %%%% !1110 4444 %%%% !1110 4444 8J?\CO-_P!@V/\ ]&/5
MS4=7LM+\D74Q$D[;(8D1GDE;&2%102<#DX' ZU33_D=YO^P;'_Z,>N>9F3XX
MI]L.(WT(K8[ONEA-F4+_ +6-N>^* .JM-;LKR_-BAF2[6/S3#-"\;!,XS\P&
M1DXXK1KFO'&L?\(_X:O]7MEC.H6]N?*9ADHK.BLV.X!*L?I6;J5WJ>D^);;3
M[74KF>TU#3+F8N^UW@EBV$2*2,8;?@@C&<8 H [>BO,=)O-:N1X&>37[T_VY
MI[&[&V/ (@60,GR\-G.3SU/MAD.KZY+;:/9C6[E&/B.ZTJ2?9&7EA03;2<KC
M<-B\]/4&@#U&LO4?#>BZM=)=:AI=I<W"+M662(%MOIGJ1[=*XJWU35;&[U30
MKO6KF=;;5[>"UG,:FXN4DB$I@W#:H8#/S\8'IQ4"ZWKLFEVT?]J3P2IXJ.FL
MP".Q@W'"DE>2.F>^.<T >FQ11P0I##&D<2 *J(,!0.@ '2GUYR\GB&2P\6V.
MGZK=SWFCWJ/:,^S?,AACE:%B%P<[F .,C(YXKI/#FL1^(9)M;M+J0Z4\,<=N
MC$;2V-SO]1N5/8HU &]<3I:V\D\N[RXU+-L0L<?0 D_A531]9L=>TV+4=-E>
M:TF&8Y&B>/</4!@#BK-W_P ><_\ US;^5<I\-)8X/A5H,TKA(TL0S,>@ SDT
M :4UYH'B/4KG09T>ZN+%HY9H)+>55C)^9&+$!>V1SVXK3U#4[+2+5);R?RD9
MA'&,%VD<]%51EF8^@!-<OX>_Y*CXT_ZXZ?\ ^BY*JZ[<*WQ:\)M.X-DL-W%"
M?X1=;1QGINV9 _$>M '5P:]8SW\5B?M$-U,K/'%/;O&65<9()&#C([]ZM:AI
MUEJUC+8ZA:Q75K* )(95#*V#D9!]P#^%/E6W,\!E">:K$Q9ZYP<X_#-/DD2.
M%Y6=515+%ST ]: $A@BMH(X((DBAC4(D:*%55'   Z"I*\ZT/5M4N->T6W.I
MW,UKJ>DW$[7+JJ^:ZM%MFCC(/EC$API[8RN1S4\-ZUK1M_ VHW6K75V=7@F6
M[@94V-MA:12H"@ALKUSSD]L  'H&I:S9Z3/8PW;2*]]<"V@VQLP+D$@$@8'
M/7TJW<W,-G;27$[[(HU+.V,X'X5Y>;R?7=%\"^(9[V5Y;W68I)(0P\I,K+A
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MMR__ .A7U?\ [^6O_P >K:HH Q?[<O\ _H5]7_[^6O\ \>H_MR__ .A7U?\
M[^6O_P >K:HH Q?[<O\ _H5]7_[^6O\ \>H_MR__ .A7U?\ [^6O_P >K:HH
M Q?[<O\ _H5]7_[^6O\ \>H_MR__ .A7U?\ [^6O_P >K:HH Q?[<O\ _H5]
M7_[^6O\ \>H_MR__ .A7U?\ [^6O_P >K:HH Q?[<O\ _H5]7_[^6O\ \>H_
MMR__ .A7U?\ [^6O_P >K:HH Q?[<O\ _H5]7_[^6O\ \>H_MR__ .A7U?\
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M(0>@S/P/:B.Y:)KPIX.U,?;6WW.6M2)3M"_,#-S\H _"G:MXTTO2]$U#4O\
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MU.^T;PVU]I\R13)<VZ$L@;*O,B,.>G#'FK]_X@TO3'D2\NQ'Y05I6V,RPAN
M78 A >>6(Z4 0?VY?_\ 0KZO_P!_+7_X]1_;E_\ ]"OJ_P#W\M?_ (]4U]XC
MTC396CN[U8RB(\A"LRQ*YPK.P!" D'!; X-07_B_0-,GNH+O4HHYK15>= K,
M8U;."0 >.#D]N^* %_MR_P#^A7U?_OY:_P#QZC^W+_\ Z%?5_P#OY:__ !ZK
M-SKVFVA EN<CRUE+1QLX5&)"LQ4$*"0<$]<'TK1H Q?[<O\ _H5]7_[^6O\
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M8-Y_T,NL?E;_ /QJ@#;HK$_L&\_Z&76/RM__ (U1_8-Y_P!#+K'Y6_\ \:H
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MQ56PT[7XM!\(Z//H%U]HT34XC<3(\9BDC1)%\Q6+@G.X'D YR.O7M_[!O/\
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M#U K5MM/-X\R6OB_49V@?RY1$]LWEMC.UL1<'!'!J?\ L&\_Z&76/RM__C5
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MUB?V#>?]#+K'Y6__ ,:H_L&\_P"AEUC\K?\ ^-4 ;=%8G]@WG_0RZQ^5O_\
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MZ2NJLSL#B(Y8[01SM[YXB\0>,=3L'\0BRAMA)I)MQ%;S1LSW?F@<KAAU)*C
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MUR[WM&I52=PY )./ID_6J&J^+-5TRU\8W%O;Z?Y^DW<"1DQ,!*KQQGY\-DL
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MT2]:2TO]1^Q>:TT6FO,#;PN3DE5QG&22 20#SC.*Z6@ HHHH **** ,70_\
MD+>)/^PDO_I+;UM5BZ'_ ,A;Q)_V$E_]);>MJ@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "L6Z_Y'
M;2O^P=>?^C+:MJL6Z_Y';2O^P=>?^C+:@#:HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MB6<#&1P"?8@'2BVO2BN/%S%6D\I6\F#!?.-H^7KD'BI_[)UC_H9+G_P%A_\
MB:X?P[?/IGA;2DETVQG\[Q//;LK<K;L;F3#1C'48.#QBM6^\;:S:0ZY=_P!G
MV/V71]12UF'G.7DC81'*\ !AYF>>.,>] '1_V3K'_0R7/_@+#_\ $T?V3K'_
M $,ES_X"P_\ Q-8VO>-+S3?^$B>TM(9!H:P,\,I(:Y\P!OE(^[P<#@Y((XJ:
M?Q;/!XEBT2<V=G=MY!CBN-P%TK$>88I#@$J,_+C)(Z#- &G_ &3K'_0R7/\
MX"P__$TP:=J9?8/%,V_^[]G@S_Z#6]7!QPK'\9-6F@MX3<#0864M\N6\V3J0
M"1G Y]J .A_LG6/^ADN?_ 6'_P")H_LG6/\ H9+G_P !8?\ XFN?T/QMJE__
M ,(S<WUE9PV>N0R,OE2,7B=(S)DY&""%(QUZ<]JUM&US5M9CTG4H+*!M(U&-
MI"0^);=,9C9LG#[N 0 -I/4XS0!:_LG6/^ADN?\ P%A_^)H_LG6/^ADN?_ 6
M'_XFMNB@#$_LG6/^ADN?_ 6'_P")H_LG6/\ H9+G_P !8?\ XFMNB@#$_LG6
M/^ADN?\ P%A_^)H_LG6/^ADN?_ 6'_XFMNB@#$_LG6/^ADN?_ 6'_P")K(\.
M:7JKV-V4\07$8&H70(%M"<D3/D\KWZUV58OAC_CPO/\ L)7G_H]Z &)INJR9
MV>)YVQUQ;0''_CM#:;JJ,%;Q/."W0&V@Y_\ ':XV$_\ "+_$^[U-/DTS6;X:
M;=*.%CN!#&\+_P# BSJ?<BG1DZE\8=%U:3YXI[&\%HK<A8D:,*X]V)=L_P!U
ME]* .OBT_4IPYA\4S2!&*-LMX#M8=0<+U'I1+I^I0[/-\4S1[V")NMX!N8]
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M2P\/:-=_$WQ/8SZ59/:G3;,>48%VC<90<#'!KT1$$<:H,X4 #- &-_9.L?\
M0R7/_@+#_P#$T?V3K'_0R7/_ ("P_P#Q-;=% &)_9.L?]#)<_P#@+#_\31_9
M.L?]#)<_^ L/_P 36W10!B?V3K'_ $,ES_X"P_\ Q-']DZQ_T,ES_P" L/\
M\36W10!B?V3K'_0R7/\ X"P__$T?V3K'_0R7/_@+#_\ $UMT4 8G]DZQ_P!#
M)<_^ L/_ ,31_9.L?]#)<_\ @+#_ /$UMT4 8G]DZQ_T,ES_ . L/_Q-']DZ
MQ_T,ES_X"P__ !-;=% '/>&(9H+SQ#'<7+7,HU)=TK*JEO\ 1H.R@#V_"NAK
M%T/_ )"WB3_L)+_Z2V];5 !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %<WK.I6&E^+](GU"]M[2%K&
M\027$JQJ6WVYQDGKP?RKI*Q;K_D=M*_[!UY_Z,MJ ,/6M0\,:SJFDWQ\7Z9
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M* ,3_A,?#'_0QZ3_ .!L?^-'_"8^&/\ H8])_P# V/\ QK;HH Q/^$Q\,?\
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MBCZ9[\U?N?$GA?0]4U'Q0_B2UO9);:&WDM;22.1BJ,<%%#9)S(Q/M]*[W-%
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M2V];5 !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M]NX@#GCZ5GV'V&7QOH=UX7>'^SY]/F.H+;$;"GR>27 X#[BP&><!O0UT"_\
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M="N](T^QTK1[6ZE_>P.UG'<LS221(?O9/.,%<9[$5O5B9\3Y!\C1\COYLO\
M\31N\4?\\='_ ._LO_Q- &W16)N\4?\ /'1_^_LO_P 31N\4?\\='_[^R_\
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MQD#80>V01UKM;*T\06%E#:06VCB*%!&H,LG3_OFK&[Q1_P \='_[^R__ !-
M#O"-T;WP;HERTWG/)80,\F[=N;8,Y/KG-;-8F[Q1_P \='_[^R__ !-&[Q1_
MSQT?_O[+_P#$T ;=%8F[Q1_SQT?_ +^R_P#Q-&[Q1_SQT?\ [^R__$T ;=%8
MF[Q1_P \='_[^R__ !-&[Q1_SQT?_O[+_P#$T *G_([S?]@V/_T8]<UXND@D
M^)_@RW-_]FD\N^R8Y%#C*1X'.>N#VYJZC>(_^$QE_=:5YO\ 9Z9_>R;=OF/_
M +/6M?=XH_YXZ/\ ]_9?_B: .-DDEM?BEK,-CJ!NM1_X1L"W$TB%O.$KE5X
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M.1CFF^#+BVT+5]8TG7)HT\0/+Y\M],^#J,/(CD7)P-H^4H.%(..M=)N\4?\
M/'1_^_LO_P 31N\4?\\='_[^R_\ Q- 'GW@2]T.'X?Z?<7?B06SV]U-.UN+M
M<-MN78+Y?4[AC '4D=:Z&SO+>3XU7R":,2'0H%\LN-P832$KC/4 CCWKH-WB
MC_GCH_\ W]E_^)HW>*/^>.C_ /?V7_XF@#!6[MS\<)(O/B\S_A'U3;O&=WV@
MG&/7'.*WO%RLWA74-D%M/)Y1\N.Y3<A?HO'KG&/>C=XH_P">.C_]_9?_ (F@
MGQ.1@P:.?K++_P#$T 8GAC0?L/B.[E33M(ACLXHK/?;PX<,$+D@XZD2H#ZXI
M_@R\MGUGQF5N(F"ZN7.UP<+]GA&?ID$?@:V ?$XSB#1^>O[V7_XF@MXH((\K
M2![B63_XF@"]I>K6&MZ9%J6FW4=S9S E)D/!P2#^1!KR&^O+&7P+\1?]*A)&
MO2.FV4 \^2 1@^Q'X&O2;.V\16-L((8-("[F8DS299F)))^7N234^[Q1_P \
M='_[^R__ !- ' ZXXTK6_%D'AH@2RZ';W)BM9,O(_FR!W&#DR&/OU/!]*Z71
M=6\&1F]\0:/=QI9BS0W<D!(@B"DD;U' DP3G^+ Y[9V=WBC_ )XZ/_W]E_\
MB:0#Q*%*BWT;:>H\R3!_\=H VD=9$5T(96 (([BG5B;O%'_/'1_^_LO_ ,31
MN\4?\\='_P"_LO\ \30!MT5B;O%'_/'1_P#O[+_\31N\4?\ /'1_^_LO_P 3
M0!MT5B;O%'_/'1_^_LO_ ,31N\4?\\='_P"_LO\ \30!MT5B;O%'_/'1_P#O
M[+_\31N\4?\ /'1_^_LO_P 30!MT5B;O%'_/'1_^_LO_ ,31N\4?\\='_P"_
MLO\ \30!MT5B;O%'_/'1_P#O[+_\31N\4?\ /'1_^_LO_P 30!MT5B;O%'_/
M'1_^_LO_ ,31N\4?\\='_P"_LO\ \30!MT5B;O%'_/'1_P#O[+_\31N\4?\
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M]A)?_26WK:K%T/\ Y"WB3_L)+_Z2V];5 !1110 4444 %%%% !1110 4444
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M7=6O] \&S7EQ-+!>-.E^]OGSG*J_EGY!NQE<L5'7&>": .N_X1'P]_T!K/\
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M)W#8. SJJ[@.IXY&0 =MK6E^$M!L!>7NC6_DF6.',=MN^9V"KG'09(Y-:/\
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MBFN+OR97=I""%9$Y" #"],-SG P =%_PB/A[_H#6?_?H4?\ "(^'O^@-9_\
M?H59T#[9_85FNH7D-[>+'LFN85VI*PX+ >^*T: ,7_A$?#W_ $!K/_OT*/\
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M8G:% ZD \D\C/6M'5[GQ#<W/B"UTZ>\74(+JV33&M_FB$95"_F'!3=RY._D
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M/:N@T&/4V\3ZI,UQ?_V((H1:172D'S"#YA^<>9@?)C)QDM^ !>_X1'P]_P!
M:S_[]"C_ (1'P]_T!K/_ +]"MJB@#%_X1'P]_P! :S_[]"C_ (1'P]_T!K/_
M +]"MJB@#%_X1'P]_P! :S_[]"C_ (1'P]_T!K/_ +]"MJB@#%_X1'P]_P!
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M$6K:=!>+;G,1F7<4/L>O/?U[UJT4 ,BBC@A2&&-8XHU"HB# 4#@ #L*?110
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MBZ'_ ,A;Q)_V$E_]);>MJL70_P#D+>)/^PDO_I+;UM4 %%%% !1110 4444
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M.4O_  BFF?W]1_\ !G<__'* -JBL7_A%-,_OZC_X,[G_ ..4?\(IIG]_4?\
MP9W/_P <H VJ*Q?^$4TS^_J/_@SN?_CE(/"NED9#ZB?^XI<__'* -NBN6U;3
MO#FAV?VO4KK4;>WW!?,.HW; $G !PYQDD"K8\-:28/.!U7;MW8.H7>[_ +YW
MYS[8H WJ*Y72=/\ #FNVK7.FW6I3P!BGF#4+M1N!P0"7&<$$'TIU]IGA[3IH
MH;BYU+SY@3'#'J%W)(X'4A%<L0.,G&!F@#J**YBQTKP]J4DT5I=:B\L&!-&=
M1NE>,GH&4N"IXS@\_G5W_A%-,_OZC_X,[G_XY0!M45B_\(IIG]_4?_!G<_\
MQRC_ (133/[^H_\ @SN?_CE &U16+_PBFF?W]1_\&=S_ /'*/^$4TS^_J/\
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M HHHH **** "BBB@ K%\,?\ 'A>?]A*\_P#1[UM5B^&/^/"\_P"PE>?^CWH
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M<+<2*OG*01(%#85OE&2 ">]:6JZ/8ZU8?8;^%I+;>K[%D9.5(9>5(/! /X4
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MGK'_ ('R?XUC^'/#T4MC=DZCJJXU"Z7"WKCI,XSUZUV58OAC_CPO/^PE>?\
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M5=W'&,KZ]Q0!U%CX+T[3+**RL+K4K:UB&V.**\=54>P!JS_PC4/_ $$]8_\
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MU&VMI/W!=?GE163?C:&VL3C.:TO&FIWFB^#=5U6P=$N;.W:=-Z;E8J,X(]*
M(%\#:0VB7&E7<E]?13A0TUW=O)*NPY3:Y.5VGD8[^M6],\,6>F:K)JBW%[<7
MLENEN\MQ<,^Y%)(R.!GYCV_F<X=MXGU.P\6:3I&I36MU;:EI\EWYT<?E/;%
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M:=%% !1110!BZ'_R%O$G_827_P!);>MJL70_^0MXD_["2_\ I+;UM4 %%%%
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M6)_8-W_T,NL?^0/_ (U1_8-W_P!#+K'_ ) _^-4 ;=%8G]@W?_0RZQ_Y _\
MC5']@W?_ $,NL?\ D#_XU0!MT5A+HMP[.J>*-69D;:X!MR5. <']UP<$'\13
MO[!N_P#H9=8_\@?_ !J@#;HK$_L&[_Z&76/_ "!_\:H_L&[_ .AEUC_R!_\
M&J -NBL3^P;O_H9=8_\ ('_QJC^P;O\ Z&76/_('_P :H VZ*Q/[!N_^AEUC
M_P @?_&JK7-DEG(D=UXQU""23[BRRVREOH#'S0!TE%8G]@W?_0RZQ_Y _P#C
M5']@W?\ T,NL?^0/_C5 &W16)_8-W_T,NL?^0/\ XU1_8-W_ -#+K'_D#_XU
M0!MT5B?V#=_]#+K'_D#_ .-4?V#=_P#0RZQ_Y _^-4 ;=%8G]@W?_0RZQ_Y
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M=8_\@?\ QJC^P;O_ *&76/\ R!_\:H VZ*Q/[!N_^AEUC_R!_P#&J/[!N_\
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M:&_TB&WMFRG[R11-E?O<?ZQ>N!UJ/3],U.'4_!$KZ;.L>FZ5-;W;93]T[)"
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M9^SW-O;I;_=$<WEQ%64<D@9..>U;']@W?_0RZQ_Y _\ C5']@W?_ $,NL?\
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M#EHSQR>.^>:Y._UFUG\4ZA<O>^)[28R(MM)80Q20R(J !LR(=A)W9'RC\\D
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M45?O'S$.QMQ?(^4=#WH Z3Q-XLUG0=/O+K%B7L]/2[,(B=WE;+;PP#?NE
M9LY)/IBGZMXB\0)K6N6.GG38X[#3(M0B>>%W+;O,RA <=?+Z]L]#65-8^']6
MM;I]5U[4!<:E8QVNHI;H528J" _^KX8;C]W"GN,<5H%?#9NKZY;7=1:6]L5L
M96://[M=V"/W7WOG;VYZ<"@#K]&OSJNAZ?J)3RS=VT<^S.=NY0V/UJ[7,Z5K
MN@:3I-IIT.HS216L*PQM+"Y8JHP,X0#H!VJW_P );HG_ #^'_OQ)_P#$T ;=
M%8G_  ENB?\ /X?^_$G_ ,31_P );HG_ #^'_OQ)_P#$T ;=%8G_  ENB?\
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MK6I6)N$1+NWM-Z17(4;5WC82"%XRI4XHO+?PM>IKR2:S?*FMHJ7*I%@*JIL
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M4O$_B>XGM8)8Y?#\+(9H?O2?OLG!'W\%/< CUH ]3HK&\(2--X,T-W8M(;"
M.6Z[@@#9]\YS[ULT %%%% !1110!BI_R.\W_ &#8_P#T8]5]8\17FG>)])T2
MWT^"=M2CF>.62Z,83R@I(("-UW#%6$_Y'>;_ +!L?_HQZYSQ9%;W?Q+\(Q32
MRK&D-Z)&AF>(H66/8"R$$9P<#/.* .NL+R[>&Y?4[6"S,,I56CN/,1TV@[MQ
M5<<D@@C^&K8GA:%91*AB;&'##!STYKB_$%F=#G\+@^=-H5M?RM>M*QDVET?R
MGD)R2JNPRQZ'!/3-<OKNGQ?9M;F2-&T:?7]/FL0!\N0T7VAX\?PGYLD<<,:
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MCJ>V:=-<0VZ!YIHXE)P&=@H)].:\TOK+2+[QAJ\ES;VL\3^&XOF= RM)NE_
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M&:2?PGILDNGKI[F+!MD)VI@D#;GG:<9'L16U0 4444 8NA_\A;Q)_P!A)?\
MTEMZVJQ=#_Y"WB3_ +"2_P#I+;UM4 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5BW7_([:5_V#KS_
M -&6U;58MU_R.VE?]@Z\_P#1EM0!M4444 %%%% !1110!DZSH2ZQ=:7.]U)"
M=.NA=1JB@AG"LOS9'3#MTQ6M110 4444 %%%% !1110 4444 %%%% !1110
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MG<\79F!Z$^GIC.#D#F].<>(/BAXCAU%%EM]$BM8K.WD&45I4+O+M/&[HH/8
M^IH [A75P"C!@1D$'/%.KD?$)C\%V%_K^E:?"\MP]K#-!O\ +4YEV!@ ,;OW
MO/3I1/XCUF"Z?2I;6T&JI UT1 DT\?EERL:_*H(+;6R3P,=#G@ ZZH5N[=Q$
M5N(F$Q(CPX.\CDX]>A_*N8M/$=[KLJ:9'ID=K>C3TNKVWO@6$9<LJQ8'7)5\
MMV&.#G YWP7J M?#GP[M&TZUF^UQRJEQ(<O;LL4C?(,<9 P3GH>E 'I]%>>:
M?XPU*Q\/7NIZQ) T2ZS/9M<)$[);(DCIO90<[!M4=1][)-=IHUZ^HZ5#=N]M
M)YA8K):R;XW3<0K*?=0#[9Q0!?HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@#%T/_D+>)/^PDO_ *2V];58NA_\A;Q)_P!A)?\ TEMZVJ "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH *YO6-2L=+\8:1-J%[;6D36%X@>XE6-2V^W.,DCG@_E725BW7_([:5_V#KS
M_P!&6U "_P#"7^&?^ABTC_P-C_\ BJ/^$O\ #/\ T,6D?^!L?_Q51:[XA;1=
M2TJR6P-R^IS-!$PE"A7"EOFR.F%/(JMJ_BF[T72[N]N]$D'V>2!,"=2L@D<)
MD-CL3R,9H O?\)?X9_Z&+2/_  -C_P#BJ/\ A+_#/_0Q:1_X&Q__ !5;.!Z4
M8'I0!C?\)?X9_P"ABTC_ ,#8_P#XJC_A+_#/_0Q:1_X&Q_\ Q5;.!Z57M[RV
MNY+F."59&MI?)F"_P/M5L'WPR_G0!G?\)?X9_P"ABTC_ ,#8_P#XJC_A+_#/
M_0Q:1_X&Q_\ Q5;.!Z48'I0!C?\ "7^&?^ABTC_P-C_^*H_X2_PS_P!#%I'_
M (&Q_P#Q59%UXY:TNM>C?1+B6+0MC7CP2HQV,@DW*IQG"G)'!X[UU%A>VVI:
M?;7]HXDMKF)9HG QN5AD'\C0!G?\)?X9_P"ABTC_ ,#8_P#XJC_A+_#/_0Q:
M1_X&Q_\ Q5:*WEL]_)8K*IN8XUE>,=55B0I/U*M^56,#TH QO^$O\,_]#%I'
M_@;'_P#%4?\ "7^&?^ABTC_P-C_^*K9P/2D(XX H Q_^$O\ #/\ T,6D?^!L
M?_Q5'_"7^&?^ABTC_P #8_\ XJL^Q\57NI_VL+/0VE;3+I[25?M*@NZJ&^3(
MY!##&<5TL+^=!'(49-ZAMK#!&1T- &5_PE_AG_H8M(_\#8__ (JC_A+_  S_
M -#%I'_@;'_\56S@>E-?(1BJ[F X7.,F@#(_X2_PS_T,6D?^!L?_ ,51_P )
M?X9_Z&+2/_ V/_XJG>&M;'B/P];:J+8V_G[_ -T7W;=KLO7'^S47A_Q =>N-
M5B^Q&W&G7C64C-(&WR*%)*\?=PPY//M0 _\ X2_PS_T,6D?^!L?_ ,51_P )
M?X9_Z&+2/_ V/_XJM*\F:VLIIXXA*T:%PA;;NQSC-4/#6M#Q'X?L]86U-O%=
MQB6*-G#-M/3.. ?SH 9_PE_AG_H8M(_\#8__ (JC_A+_  S_ -#%I'_@;'_\
M54>F>(6U'Q+J^C?8?*;2_*\V8R@J_F+N7:,9Z#G./QJ?6-=M](FLK3RGN;^^
M<QVMK%C=(0,LQ)X"J.23^I(% #/^$O\ #/\ T,6D?^!L?_Q5'_"7^&?^ABTC
M_P #8_\ XJGQ:I=KJEO87NF&%IT=UGBE$D65Q\I)"L&.<XVXP#S6M@>E &-_
MPE_AG_H8M(_\#8__ (JC_A+_  S_ -#%I'_@;'_\56S@>E&!Z4 8W_"7^&?^
MABTC_P #8_\ XJC_ (2_PS_T,6D?^!L?_P 56S@>E&!Z4 8W_"7^&?\ H8M(
M_P# V/\ ^*H_X2_PS_T,6D?^!L?_ ,56S@>E&!Z4 8W_  E_AG_H8M(_\#8_
M_BJ/^$O\,_\ 0Q:1_P"!L?\ \56S@>E&!Z4 8W_"7^&?^ABTC_P-C_\ BJ/^
M$O\ #/\ T,6D?^!L?_Q5;.!Z48'I0!C?\)?X9_Z&+2/_  -C_P#BJQ_#GBKP
M[#8W:R:]I:$ZA=L UY&,@S.0>O0CFNQP/2L3PP/] O/^PE>?^CWH =_PE_AG
M_H8M(_\  V/_ .*H_P"$O\,_]#%I'_@;'_\ %56TKQ9;ZCXKU7PY+;/;WVGJ
MDGS,"LR, =R'VRH.?44MUXKMX?&MGX7BMGENIX&N'ER D:KC(/JV"#CW'K0!
M8_X2_P ,_P#0Q:1_X&Q__%4?\)?X9_Z&+2/_  -C_P#BJOV<MU,)_M5H+8I,
MR1@2A_,C'W7X'&?3M5'7=<.B2:6OV0SK?WT=F6#A?++YPW3GH>* $_X2_P ,
M_P#0Q:1_X&Q__%4?\)?X9_Z&+2/_  -C_P#BJOZA+=6]C)+96@N[A<;(3*(]
MW(S\Q!Q@9/X5:P/2@#&_X2_PS_T,6D?^!L?_ ,51_P )?X9_Z&+2/_ V/_XJ
MMG ]*,#TH QO^$O\,_\ 0Q:1_P"!L?\ \51_PE_AG_H8M(_\#8__ (JMG ]*
M,#TH QO^$O\ #/\ T,6D?^!L?_Q5'_"7^&?^ABTC_P #8_\ XJMG ]*,#TH
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M!P,GTJO82W-Q802WMH+2Y= 9(!()/+/IN  /UH S_P#A+_#/_0Q:1_X&Q_\
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M_P 51_PE_AG_ *&+2/\ P-C_ /BJT;&Y6]L+:[5"BSQ+(%;J P!P?SJQ@>E
M&-_PE_AG_H8M(_\  V/_ .*H_P"$O\,_]#%I'_@;'_\ %4NL:X=)U+1K4VAE
M74KHVOF!P/+.QGSC'/"&I_[2-M#<3:I"EE$MR((6,H?S0Q54;@<%F;&V@"O_
M ,)?X9_Z&+2/_ V/_P"*H_X2_P ,_P#0Q:1_X&Q__%5LX'I1@>E '/>&+RUO
M[SQ#<V=S#<P/J2[987#JV+: '!'!Y!%=#6+H?_(5\2?]A)?_ $EMZVJ "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M/=?:?#K;M/2P>&ZGCDBBDWQ%PYW-&V!E"2<>G3M4_P#PDNC>7Y>VZ\O&-O\
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M.Q;CZUU(\4:2JA5^V #H!I\__P 14-UK^BW=K);N;Y4D&UBFGS@X[_\ +/\
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M%'_"5:5ZWO\ X+Y__B* -JBL7_A*M*];W_P7S_\ Q%'_  E6E>M[_P""^?\
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M!K>))<+'N6 L%&> 6+\=,YJ]XQO;!]>\0Z=>ZOI\<U[IUN-/EN[M8?L3_/\
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MM'\SS-MWYF,;O[.GSCTSLH Y;0-,T:^\6>+KBY999++40T3&X;]R&MD#D<\
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M)=6+%8_+,7]Z(@JQ7CJQ]:]-K#/B71C()"MUO' ;^SI\C\=E._X2K2O6]_\
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M<].>E>;Z596,_B?PQ)>6<3QIX::.9IH<JL@:'"L2,!@%?@\C!K-TN\&B^'O
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M=)6V1-\,EK.Q>1<G$C*>%4C'<\@\XK,^(2H^GZ.#&9"NL6;D!"Q"+*I=CCH
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M** ,70_^0MXD_P"PDO\ Z2V];58NA_\ (6\2?]A)?_26WK:H **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ K%NO^1VTK_L'7G_HRVK:K%NO^1VTK_L'7G_HRVH VJ*** "L#_A%S'J-
MU=6NMZK:Q74OG3VT;QM&S$ $@LA=<@#[K#VQ6_10!'!!';6\=O"@2*) B*.R
M@8 J2BB@ HHHH **** "BBB@ HHHH *Q]5\/C4M0M]0AU._T^[@C:(26K(0R
M,02"LBLIY4<XSQUK8HH JV%BEA$RB66:61M\LTQ!>1L 9.  . !@ #CI5JBB
M@ HHHH **** "BBB@ KG+'PC'81?9%UC5)M-&<6$SQM'@G.TML\PK[%SGH<B
MNCHH AAMHH))9$7YY6W.Q))/IU[#TZ5-110 4444 %%%% !1110 4444 %8O
MAC_CPO/^PE>?^CWK:K%\,?\ 'A>?]A*\_P#1[T ;5%%% !1110 4444 %%%%
M !1110 4444 %%%% &*G_([S?]@V/_T8]:ES=6]E T]U/%!"OWI)7"J/J3Q6
M6G_([S?]@V/_ -&/6-XE-^WC[PK!#/ L#BZ?RY(BPW"( D_,,\,0/3)ZT =9
M;7MK>JS6MS#.JD!C%(& . <''L0?H14]><IX@D\.Z%K[:5H>EVJZ;K$5D(8
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MR <9&:KVM_:WLEU';S+(UK-Y$VT_=?:K8^N&% &=_P )AX;_ .@[IW_@0O\
MC1_PF'AO_H.Z=_X$+_C6R"",@C'K2YSTH Q?^$P\-_\ 0=T[_P "%_QH_P"$
MP\-_]!W3O_ A?\:2_P#$]CI_BC3-!FW?:-01V1Q]U"HRH/NP5\?[AK:)P"3C
MCUH QO\ A,/#?_0=T[_P(7_&C_A,/#?_ $'=._\  A?\:7PWKCZ]9W<TEJ+9
M[:]GLV02;P3&Y4G.!UQZ5H:A+=P6;26-M'<W *XBDE\L$%@&.[!Q@9/3G&*
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MJ.I^&-0US2M4/B>SCDTTR&.-9XRK[UVMNSSTZ8(K8GUUX/%]EH?V52EU:S7
MN!+RIC9 5*X_VQSGMTK8!!) (R.M 'G36WA1M,FL3XP@V2ZI_:A?SH=PE\P2
MX'&-NX#CK[U)"GABUUJZO+7QJ(+*\F^T76G)<Q>3)*>K9(W*&QD@$9^G%=U>
MW#6UA<7$2+*\4;.$+[0Q SC.#C\JJZ!JPUOPYINKF(0?;;:.X\O=NV;U!QG
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 5BW7_([:5_V#KS_P!&6U;58MU_R.VE?]@Z\_\ 1EM0!S?Q >V?Q+X,
M@FNO(SJ+LS)+L95\EP#GMR0,^].\=646C?#B]MS=RRA[R&0/<2;G):Y1B,GK
M@9_ >U=Y10!Y!XTU+3WO=>DB>.&^L[S3Y-\N7E9 \1\R(_\ +.( G)Y!);IG
MD\6W>EW&L^)=+O\ 6-/MY;Y;0VES>R>4UF H)V[ADC^(;>I8@XY->OXKGO\
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MK0!Y=::9H5WJ7CVZN'6.6TN9'BN83F2V5K1%=XQG@Y+_ %(]N+?AO7K3P_\
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M-Q]0<.TJPE?Q+=Z=)IJKIGB(QZNH,( B2,@.C@]VQ!D=C(]>GX &,<44
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M'(L2PM& 00_&=S@JIW'TZ#)SI:%I.IZ<A.JZY+JLP78CM L(5?=5ZL>,D^G
M'.0#9HHHH Q=#_Y"WB3_ +"2_P#I+;UM5BZ'_P A;Q)_V$E_]);>MJ@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M#<W]@D%FTUE>W#6\<\+EW0C.'= ORH2IPVX]1D#/ !I?9O$__05TC_P62?\
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MU49W?ZP9'''<]!IW7B:827QT[2Y=0AL+E+:Y\I\2;SM+>6N/FVAU)R1WQG%
M$_V;Q/\ ]!72/_!9)_\ 'Z/LWB?_ *"ND?\ @LD_^/U4'BQEEU^":P\NYTG8
M5A\[)N0XS&5^7^(_*/\ :!%='&7,:F10KD#<H.0#Z9[T 8_V;Q/_ -!72/\
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M_P#05TC_ ,%DG_Q^MJB@#%^S>)_^@KI'_@LD_P#C]'V;Q/\ ]!72/_!9)_\
M'ZVJ* ,7[-XG_P"@KI'_ (+)/_C]'V;Q/_T%=(_\%DG_ ,?K:HH Q?LWB?\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M6@:A8Z]J%SINOVMOIVJ2+/=V[P[Y(Y=H5FA?< NX*/O!L$9%;?\ PBWA[_H
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M&("DH#O4'(^\HQWQ6]_PBWA[_H Z7_X!Q_X4 :7VB#_GM'_WT*/M$'_/:/\
M[Z%9O_"+>'O^@#I?_@''_A1_PBWA[_H Z7_X!Q_X4 :7VB#_ )[1_P#?0H^T
M0?\ /:/_ +Z%9O\ PBWA[_H Z7_X!Q_X4?\ "+>'O^@#I?\ X!Q_X4 :7VB#
M_GM'_P!]"C[1!_SVC_[Z%9O_  BWA[_H Z7_ . <?^%'_"+>'O\ H Z7_P"
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MM'_WT*S?^$6\/?\ 0!TO_P  X_\ "C_A%O#W_0!TO_P#C_PH TOM$'_/:/\
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M/;)Y<ES&X(6.7G!"@CGG)4'CH=>+PYX:G3?%HNE.FYERMI&1D$@CIV((I_\
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MM>17MO=%HK<K$!"X<*%+DY)'+$_AQ6Y_PBWA[_H Z7_X!Q_X5F:I9>%]*O\
M2[2;PW9.=1N/LT4B64157V,_S9YZ*>@- %CQ-H=KXDM;-&OEMYK6Y699HV&[
M;@K(GT9&9?Q![4:II0OO$.A:E#?6T46F-*QA*Y,F]"F <C;@'/0U8E\.>&H%
M#2Z+I2*65 6M(QEF( '3N2!3_P#A%O#W_0!TO_P#C_PH P_#OAV]T&,:4=>M
MIM A=S;P>3B<(Q)$;2;L%1GLH)P!G'!3P_H&K:):+I9\2V\VDVJ,EDH@VSJN
M"$5WW8*KD=%!.!DXX.[_ ,(MX>_Z .E_^ <?^%'_  BWA[_H Z7_ . <?^%
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MO>@SO.R-<312A$5I 0<[-QZ\D=\5<EO!%JFC^'Y?$4CV$ME<&&^N975KJ59
MNWS$="2JGCGGKR<&NUD\.Z)-IPT^71]/>R#^8+9K9#&&]=N,9]ZDO=%TK4K.
M.SOM-L[JUBP8X9X%=$QP,*1@8H S]'D?3_!:/>:T=1-M;R%]2$6#(J[OGQDY
M( ZY.[&>]<7HNHSMK=K;#4KDVUYX;>Y!DOF>21P\>V4C.(W(9N%)'OP,>GK%
M&D0B5%6,+M" 8 '3&/2L^'PYH=NJ+#HVG1JBNJA+5 %#_> P. <#/K0!Y[H5
MW?V<7@;4$OM0N[C4M)F:ZBFN7D6=E@5U^4G ;/<#)R<DTRVN8M3L/AUKDM_+
M/>7>HAK@M<,4\PP3%P$)PNUOE  &.G>O28]$TF)K9H]+LD:UR+<K;H#%GKMX
M^7\*C7PWH:7372:-IRW#2^<91:H&,G/SYQG=R>>O)H Y_P"(=O%,GALRO(H&
MN6RDI,T?!S_=(Y]#U':L#5]9*:B+O3]5N'CB\16EF\DEV5 4^6KQ+&#ADPQ)
M9N223S@&O2[RQM-1MS;WMK!<P$@F.>,.I(.0<'CK5670-&GGFFETBPDEGV^:
M[VR%I-I!7<<<X(&,],"@#B=2FDTWQPJOJFH'P]?3PI/(+F0K:W0!*1*^[*I)
ME<XXSM'1N.HOM5UZ"YNXX= 5K6.*1HKK[6I+L$)4>7C/+ #KWK1DT72IK:2V
METRSD@DD\V2)H%*N_P#>(Q@GWZU=5510JJ%51@ #  H \[\,NNLIHVJKXL\V
M.[LW6[M(Y)-TS% 23^\/E,C \J%ZXXXIOA"\O(-3NM/O[Z^NKFUMGETDSRO_
M *=;%V(D;YL.X.U>1P-I_BX[:+P_HT$EW)%I%A&]X"+EEMD!F!Z[^/F_&ICI
M6G&XM[@V%J9K9=D$AA7=$OHIQE1]* ."\*3/KD>@ZN/%6Z6YMW2]LD,A::0I
MEE(,A$;(P)RJC'3H167H9O)](\ WDFL:H\^IR26]XQO7(EC\F5L8S@'*#Y@
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M^C+:@#:HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M"+7_ +XH_P"$0\/?] BU_P"^*VZ* ,"+P3X8@SY6A6,>[KLB S4G_"(>'O\
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M -\5MT4 8G_"(>'O^@1:_P#?%'_"(>'O^@1:_P#?%;=% &)_PB'A[_H$6O\
MWQ1_PB'A[_H$6O\ WQ6W10!4T_3+'2H7AL+6*WC=][+&N S8 R??  _"K=%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
7%%%% !1110 4444 %%%% !1110!__]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>ex21-subsactivity2023002.jpg
<TEXT>
begin 644 ex21-subsactivity2023002.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M,%]<")4FA8(\.\*07)/ [@$^U6'UNS@\6HVH:;]EN(]#DO)+MY<^5$'3?&5
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MDT[3%M7ODGD@LWF8K&L;X<EPK'[S+T!Y;VJ:+QZLL6FQR:?]BOKY9]D&H3&
M%XF"E%8J=Q;=E>!D<^U '9452N+Z6WT62_-E/),EN9OLL0W2,P7.P>ISQ7,R
M^/#;P:]YFGQ27&CV*WSQV]V'5U(?*[MHVL#&P(P>U '9T5R@\7W:_9XKG25M
MKF\#2VB/<[@\*JA9V*(2I!=5Q@\^U7-(\07VKV6GW,>B3PK--)%=K/)L-MMS
M\P! ,BD@8(QPP/M0!OT444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 5S]MX>N8/'%YXA:^B:.YM$M?LPMR"H1F8'?OY.6/\
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M,;@IZ@=1TYID/@?4;9;5HM:MS+!JMQJ6V2R)B?S2Q*LGF<E2Y*MG@CI7;T4
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MBL_^W='_ .@K8_\ @0G^-']NZ/\ ]!6Q_P# A/\ &@#0HK/_ +=T?_H*V/\
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MNZ/_ -!6Q_\  A/\: -"BL_^W='_ .@K8_\ @0G^-']NZ/\ ]!6Q_P# A/\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ K!U"WAN/&>DI/%'*HT^\(5U##/F6WK6]6+=?\CMI7_8.
MO/\ T9;4 7_[+T__ )\+7_ORO^%']EZ?_P ^%K_WY7_"K=% %3^R]/\ ^?"U
M_P"_*_X4?V7I_P#SX6O_ 'Y7_"K=% %3^R]/_P"?"U_[\K_A1_9>G_\ /A:_
M]^5_PJW10!4_LO3_ /GPM?\ ORO^%']EZ?\ \^%K_P!^5_PJW10!4_LO3_\
MGPM?^_*_X4?V7I__ #X6O_?E?\*MT4 5/[+T_P#Y\+7_ +\K_A1_9>G_ //A
M:_\ ?E?\*MT4 5/[+T__ )\+7_ORO^%']EZ?_P ^%K_WY7_"K=% %3^R]/\
M^?"U_P"_*_X4?V7I_P#SX6O_ 'Y7_"K=% %3^R]/_P"?"U_[\K_A1_9>G_\
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M^_*_X4?V7I__ #X6O_?E?\*MT4 5/[+T_P#Y\+7_ +\K_A1_9>G_ //A:_\
M?E?\*MT4 5/[+T__ )\+7_ORO^%']EZ?_P ^%K_WY7_"K=% %3^R]/\ ^?"U
M_P"_*_X4?V7I_P#SX6O_ 'Y7_"K=% %3^R]/_P"?"U_[\K_A1_9>G_\ /A:_
M]^5_PJW10!4_LO3_ /GPM?\ ORO^%']EZ?\ \^%K_P!^5_PJW10!4_LO3_\
MGPM?^_*_X4?V7I__ #X6O_?E?\*MT4 5/[+T_P#Y\+7_ +\K_A1_9>G_ //A
M:_\ ?E?\*MT4 5/[+T__ )\+7_ORO^%']EZ?_P ^%K_WY7_"K=% %3^R]/\
M^?"U_P"_*_X4?V7I_P#SX6O_ 'Y7_"K=% %3^R]/_P"?"U_[\K_A1_9>G_\
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MZU)X:^(5GXBU6UL!;K"][8_;[8K.)#LW8VN !L?!!QSU//% '94444 %%%%
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M'_")>&_^A>TG_P  H_\ "@#7WK_>'YT;U_O#\ZR/^$2\-_\ 0O:3_P" 4?\
MA1_PB7AO_H7M)_\  */_  H U]Z_WA^=&]?[P_.LC_A$O#?_ $+VD_\ @%'_
M (4?\(EX;_Z%[2?_  "C_P * -?>O]X?G1O7^\/SK(_X1+PW_P!"]I/_ (!1
M_P"%'_")>&_^A>TG_P  H_\ "@#7WK_>'YT;U_O#\ZR/^$2\-_\ 0O:3_P"
M4?\ A1_PB7AO_H7M)_\  */_  H U]Z_WA^=&]?[P_.LC_A$O#?_ $+VD_\
M@%'_ (4?\(EX;_Z%[2?_  "C_P * -?>O]X?G1O7^\/SK(_X1+PW_P!"]I/_
M (!1_P"%'_")>&_^A>TG_P  H_\ "@#7WK_>'YT;U_O#\ZR/^$2\-_\ 0O:3
M_P" 4?\ A1_PB7AO_H7M)_\  */_  H U]Z_WA^=&]?[P_.LC_A$O#?_ $+V
MD_\ @%'_ (4?\(EX;_Z%[2?_  "C_P * -?>O]X?G1O7^\/SK(_X1+PW_P!"
M]I/_ (!1_P"%'_")>&_^A>TG_P  H_\ "@#7WK_>'YT;U_O#\ZR/^$2\-_\
M0O:3_P" 4?\ A1_PB7AO_H7M)_\  */_  H U]Z_WA^=&]?[P_.LC_A$O#?_
M $+VD_\ @%'_ (4?\(EX;_Z%[2?_  "C_P * -?>O]X?G1O7^\/SK(_X1+PW
M_P!"]I/_ (!1_P"%'_")>&_^A>TG_P  H_\ "@#7WK_>'YUB>&&7[!>?,/\
MD(WG?_IN]2?\(EX;_P"A>TG_ , H_P#"L?PYX7\/RV-VTF@Z9(5U"[4;K2,G
M F< <CH ,4 -L?"$OA[Q3JVLZ#=6ZQ:L0]W97 .T2@D^8C#D9W'((.<]15*+
MX=+'HWB@2:C'-K7B)76YO&CPD88$!43.=J@GOD\9J]I,'@K6-3U'3(?#^FQ:
MAI[A;FVFL8E=00"K# (*D'J#5O3]%\,:C)=(GA:PB-M,87\VQA&6 !XQG(P1
MS[T 8'B;3)]"^#']AA[2[F@@@LPTT68G&]5W,.=@QSN)^7KGBL;0/[;U236-
M%6WTO3KC4;$L=;TN]:Z:-EVHJR,S%NA.WYA@ X[X]&_X1+PW_P!"]I/_ (!1
M_P"%'_")>&_^A>TG_P  H_\ "@#D- ^'-[H>N/J?]L6<S/HXTUXUM#&,C&'&
M'/< G.<DGIGBKI7PNN],MO"$']L6TB^';F>?/DD>>)&W8^]\N.?6NIUK2/"N
MAZ3<:E<>&+&6"W4O*(-/B=E4=6QCD#VJL]MX07PY;:XGABREM;D1&)(K"%I&
M$A 3 '7)8< ]_K0!@W'PVU=],\4V5KX@MK8>(;XW,TBP$F.,DEHQ\W.<@9],
M\<\7]2\#:I=^%8] LM:M=.LX&@6&*&W9D:)-V]),ME]Y()Z9V^YKID\*>''C
M5CX;TM"1DJUE%D>QP,4O_")>&_\ H7M*_P# */\ PH XU?A?*VC>+]-FUJ$Q
MZ_,)U>.VV^2X.[INP5R.GIWJ_/X(O[K5_"&H3ZK:%O#Z.K*L!43;E53CYCMP
M%'KDD].E:.B:;X3UVVN)[?PS81"WNI;619K&(,'C;:W0'C(K3_X1+PW_ -"]
MI/\ X!1_X4 <9;_"N*&VL-);4(SHMCJYU6*,(?-8X.V(G., D_-U(XP.M0:K
M\+;O4[7Q?;_VS;1CQ#=0SY\DGR!&Q;'WOFSQZ5W7_")>&_\ H7M)_P# */\
MPH_X1+PW_P!"]I/_ (!1_P"% &A:*8+*"&1T9XXU5BO0D#'%3[U_O#\ZR/\
MA$O#?_0O:3_X!1_X4?\ ")>&_P#H7M)_\ H_\* (T9?^$WF^8?\ (.C[_P#3
M1ZQ_%WA"Z\2>)/#FJPZA;VZ:+<&<1O&6,Q)0D9!&W[GOUJ1/"_A__A,IHO["
MTSRAIZ,$^R1XSYCC.,=:6]L_"5CK]AHTGA>R:ZOUD: I80E"$ +Y/; (_/C-
M %[QIX=7Q?X.U#0C=+;M=(N)<;@K*P8<=QE16!H_@?4[#Q1=:]=:M93S7&E+
MIYBC@9%0J%PP)8DCY>?KVZ5HQV?A*3Q/)H \+V0O([<7+,;"'9Y98J&S[D$8
MQGBM8^$O#8'_ "+VE?\ @%'_ (4 <M9^'3X*^#6J:)<7T-P+:QN]LZKL#;P[
M8()/.6QUKG_ 'A:7Q#X<\#:G>:A;&QT5'FB@BC/F-*3P'.[ VD9X'-=OH>F^
M$]>M)[BW\,V$0AN9;9TFL8@P>-BK= >,@U5B@\*W"ZP+?P=!--I=PMO+ FGP
M;Y&*JV4[$8<'DCO0!DP?"N**VLM(.H1G1++6#JL480^:3@[8B<XV@D_-U(XP
M.M7I/A['>>,X/$%Y/:B2+[2LCVT9C>ZCD!5$DYP=BMC=U.!TQ72_\(EX;_Z%
M[2?_  "C_P */^$2\-_]"]I/_@%'_A0!A^!O"FJ^$+)-)EUJVN])MG=K51;[
M9MK$G:[;B, DG@9SW XKL]Z_WA^=9'_")>&_^A>TG_P"C_PH_P"$2\-_]"]I
M/_@%'_A0!K[U_O#\Z-Z_WA^=9'_")>&_^A>TG_P"C_PH_P"$2\-_]"]I/_@%
M'_A0!K[U_O#\Z-Z_WA^=9'_")>&_^A>TG_P"C_PH_P"$2\-_]"]I/_@%'_A0
M!K[U_O#\Z-Z_WA^=9'_")>&_^A>TG_P"C_PH_P"$2\-_]"]I/_@%'_A0!K[U
M_O#\Z-Z_WA^=9'_")>&_^A>TG_P"C_PJAJ6C^%---M&_AO39;B[E,5O!'90[
MI&"LY R !A58Y)'3Z4 =-O7^\/SHWK_>'YUSNF:!X;U+3H;O_A%+.U,@.8+K
M3HTD0@D$$8]NV01R.*M_\(EX;_Z%[2?_  "C_P * -?>O]X?G1O7^\/SKD-:
MM/"6AW%A!<>%K.5[Z;R(/)L(3NDP3MYQC@$YZ<4_2++P9K,][;6^@:='=V+B
M.ZMIM/C22(D97(V\@CD$9!]: .LWK_>'YT;U_O#\ZR/^$2\-_P#0O:3_ . 4
M?^%5[[P[X8L+"XO'\-Z;(D$;2,L=C$6( R<9 H W]Z_WA^=&]?[P_.N<TK0O
M"NKZ19:E!X<TQ8;N!)XU>RB#!74, <#K@U<_X1+PW_T+VD_^ 4?^% &OO7^\
M/SHWK_>'YUD?\(EX;_Z%[2?_  "C_P *YB:[\%V\^JQ2>$H@-)*_;9%TR)Q"
M"NX'Y<DC:<\ X% '?;U_O#\Z-Z_WA^=85IX=\)W]G#=VNAZ/-;SHLD4B6<9#
M*1D$?+Z5-_PB7AO_ *%[2?\ P"C_ ,* -?>O]X?G1O7^\/SKE;_3?">GZQI>
MF2^&;!I=2=XX9$L8BBE$9SN/4<*>@--U^P\(^'--^WWOAJP>W$B1DPV$3$%V
M"KP0.I(% '6;U_O#\Z-Z_P!X?G7+6^D>')KY+27P=;6SR(SHTUA 5.W&1E2<
M'GH??TJ_-X7\+6\,DTVA:/'%&I=W:SC 4 9))Q0!M;U_O#\Z-Z_WA^=9'_")
M>&_^A>TG_P  H_\ "F?\(OX6\[R?["T?S=N_9]CCSC.,XQ0!M;U_O#\Z-Z_W
MA^=9'_")>&_^A>TG_P  H_\ "HYO#'A:W@DGFT'2$BC4N[M9Q@* ,DGB@#;W
MK_>'YT;U_O#\ZYO2-'\'ZYI%IJEAH6E26MU&)8V-E&#@]B,<$="*N_\ ")>&
M_P#H7M)_\ H_\* -?>O]X?G1O7^\/SK(_P"$2\-_]"]I/_@%'_A3)?"_A:%0
MTNA:.@9@@+6<8R2< =.Y- &UO7^\/SHWK_>'YU@W?AWPE86<UW=Z+HT%O"A>
M25[2(*JCJ2<5D-'X4CL5OY?!L<=B^W9<-ID6&W$!24'SJ#D<LHQWQ0!VN]?[
MP_.C>O\ >'YUD?\ ")>&_P#H7M)_\ H_\*/^$2\-_P#0O:3_ . 4?^% &OO7
M^\/SHWK_ 'A^=9'_  B7AO\ Z%[2?_ */_"C_A$O#?\ T+VD_P#@%'_A0 S0
MB#JOB0@Y_P")DO\ Z2V];=<]X9M+:QO?$-M9V\5O FI+MBA0(JYMH"< <#DF
MNAH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ K%NO^1VTK_L'7G_HRVK:KF]9GNK?Q?I#VED;N0V-X
M#&)0F!OM^<G\/SH K?$W_DG&M?\ 7)?_ $-:M>)Y-4,UG!::+/J5B29+E89X
MHRQ4C8A\QERI.2<==H!X)HO9;_4K8VU]X2BNH"<F*>XB=3^!XJ9-0UB*-8X_
M#>Q%&%5;N, #V% 'FV@R7D^@>#9[BQEMK2V\1S[V=T8,7>=5/RDXP[!.>YXZ
MU-XAM[B3QCK6HJ&.G6^N:+]H8?=^0?.3]/,BSZ8]J[P/>BR:R'A&$6C9W0"X
MBV')R?EZ<DD_6ECDOXK-K./PG$MJP(:$7$6Q@>N1T.<G/K0!2L8Y)?BYK%Q$
M#]GATFV@E(Z>:9)' ^H4Y_X$/6J=BQL_C3JXOFVF_P!,@_LYGZ,D9;S$4^H8
MAB/0YK:M9]1L8C%:>%4@C)W%8KF)03Z\=Z9?_;-5A6'4/"$-W&K;E6>XB<*W
MJ,]#[T 0^.]9;2-"EGM9/+G$MO'<3H/FMX))55WSVXW8_/M6%XDFU#2M0\16
M5A?7HL?^$<EOPQN'=K:X0D(5<DD!@"<9Q\A]ZZ.$WMO9O9P^$84M7!#PK<1!
M&R,'(Z'-11V\L-E+91^"K5;64 20B6'8X' !&,$?6@#GI[*Y@NO!RKKNL8U:
M8_:\WK'=_HCG"_W<E0>.A.1@XK9\&W$]A/KVFWNHRW-E9ZF+>RN+R;<[!XT;
MR][<L59BHSD]NU4-;TK6M1O_  _]G\*6:Z?I<[RM;O=QJI!C9 %4+@8W;OP_
M&MHI=-;0VQ\'0&"&4311F>':D@.0P&.&SSGKF@#IZ*Q/[4UO_H76_P# R.C^
MU-;_ .A=;_P,CH VZ*Q/[4UO_H76_P# R.C^U-;_ .A=;_P,CH VZ*Q/[4UO
M_H76_P# R.C^U-;_ .A=;_P,CH VZ*Q/[4UO_H76_P# R.C^U-;_ .A=;_P,
MCH VZ*Q/[4UO_H76_P# R.C^U-;_ .A=;_P,CH VZ*Q/[4UO_H76_P# R.C^
MU-;_ .A=;_P,CH VZ*Q/[4UO_H76_P# R.C^U-;_ .A=;_P,CH VZ*Q/[4UO
M_H76_P# R.C^U-;_ .A=;_P,CH VZ*Q/[4UO_H76_P# R.C^U-;_ .A=;_P,
MCH VZ*Q/[4UO_H76_P# R.C^U-;_ .A=;_P,CH VZ*Q/[4UO_H76_P# R.C^
MU-;_ .A=;_P,CH VZ*Q/[4UO_H76_P# R.C^U-;_ .A=;_P,CH VZ*Q/[4UO
M_H76_P# R.C^U-;_ .A=;_P,CH VZQ?#'_'A>?\ 82O/_1[TG]J:W_T+K?\
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M,94D\P-&_*[@JL1NXX.0>A .N/C'1D%^)I9X7T]D2Z22W<&-W*A%SC#%MRX
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MO,0[9&$0&,'D?NSS[CWQI:UIU]<^,?#E_!;&2UL?M'GN'4;?,0*N 3D\CF@
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M:VZVEI#;K)+(L2! \KEW; QEF/)/N:FH Q=#_P"0MXD_["2_^DMO6U6+H?\
MR%O$G_827_TEMZVJ "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M]10!6L=/L],MA;6-K#;0@YV1(%&?7CO[U9HHH **** ,70_^0MXD_P"PDO\
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M,5C>3[BLP&U2<C )'4>HI+_Q)I&F/,MY>K%Y&P3-M8K%O^[O8#"Y[9(ZCUH
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MX5B!-D *6Q@$DX&3R>!0 _\ MS4/^A5UC_O[:?\ Q^C^W-0_Z%76/^_MI_\
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MO?2WNRVCG^S2.T3@QRY V.,94\CJ!U'K0 G]N:A_T*NL?]_;3_X_1_;FH?\
M0JZQ_P!_;3_X_6E:W]M>27$<#EVMY/*E^1@ V,XR1@]1TJKJ/B'2M)9Q?7:Q
M",*TK;&98@QPI=@"$!/0M@<&@"O_ &YJ'_0JZQ_W]M/_ (_1_;FH?]"KK'_?
MVT_^/TYO%FA+JQTO^T8S>B98#$%8D.1N ) P.!4UKXATJ\O19PW8,[1&:-61
MD$L8."Z$@!UY'*DCD>M %?\ MS4/^A5UC_O[:?\ Q^C^W-0_Z%76/^_MI_\
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MV.%'$6\S-OVF'!Y4D_*3U6@"3^W-0_Z%76/^_MI_\?H_MS4/^A5UC_O[:?\
MQ^K%UXATJRNUMKF[$;M*L&XHVQ9&^ZC/C:K'(P"0>1ZBB?Q#I5M>I:37BI*\
MPMP2C;/-(R(R^-H8C^$G/(]: *_]N:A_T*NL?]_;3_X_1_;FH?\ 0JZQ_P!_
M;3_X_4.F^,=-U)=0<+<0QV=X;3,EO(#(XVC"C;R=Q(VC)XSCFMFROK?4+<SV
MSLR!V0[D9"&4X((8 @@B@#,_MS4/^A5UC_O[:?\ Q^C^W-0_Z%76/^_MI_\
M'ZVZ* ,3^W-0_P"A5UC_ +^VG_Q^C^W-0_Z%76/^_MI_\?K;HH Q/[<U#_H5
M=8_[^VG_ ,?H_MS4/^A5UC_O[:?_ !^MNB@#GO#$\ES>>(99;2:T=M27,,Q0
MNO\ HT'78S+[\$]:Z&L70_\ D+>)/^PDO_I+;UM4 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5BW7
M_([:5_V#KS_T9;5M5BW7_([:5_V#KS_T9;4 9'C/2[K4]>\+O'ICWMI9WK37
M1PA54,;*,AB,\D< &I/&6ALW@JXTS1--W/)<PRK! %0<3I(YY( X5C]:V]3U
M_3='GMX+ZX:*6Y)6%1$[F1@,X&T')P,XZU-IVJV&KVS7&GW45Q$KF-C&V=K#
MJK#J"/0\T >?^*--U_4Y-:BCT2X<&\L[BT:WDBC2:-&B9B_S!GD^5AAN %7&
M.IAU>WFN]7\26HT35KK2]1E@%V;'R9<ND:;@"TBE#@*I&&^[D$$\>I5B2>$M
M"DU&6\-F5GG;?,L<TB),>Y>,,%8],Y!S0!S-_97VHZRFN^'XKZUN+A[5\OM-
MK?080DRHQRCH"P!P&X&,]HYK#Q!80>(8;;17G\_6TO4DS"^^ ^5DQ!SCS%V,
M1N  (!&:]$50JA5   P .U+0!Y5<Z%K;:=XAMTT.];[7K=G>PB2>-V:-# 6R
M2YY'EMG)] ,UZ5J5C%J^CW>GS[EBNX'A?U"NI!_'FK=4;K5[*RU*QT^XE*7-
M\S);IY;$.54L1D# X4GDT <]X?DUGP_X4M=%GTF>ZU"P@%M"\++Y,ZH-J/N)
M^48 R#R.< \9YRQT-O!NK^ ]-=7O)HHM0>=X5SF1PC,0#S@%B/7':O2;Z_M]
M.ACEN2X1Y4A79&SG<[!5X4' R1ST%0W.C6-WJMIJ<\3M=V@80.)7 0-C=\H.
M#G SD=J /.;C2Y]#OM#N9K1PU_XJGOEM4VEHU>"4 =<9PNX@'J2!DU;O/#&K
M?VQ<>)+.T?!UN"^_L_<JO)"D'DLW7 <EF< GL,X/ [N_T:QU.YL[B[B=Y;.3
MS;<K*Z;'P1G"D G!(Y[$U?H \T\1^'=3U*'Q/J-IIT[/J?V"*&U)17<0R;FD
M8%L#@X&3GY?<5T6JVE^WCGP_JMO82SVL=K<V\Q5D!A,AB*E@2./D;.,GVKJ:
M* /+K72-=@TW1=+_ +#N6.F^(7NI9A)$$>%I)G#IELGB09SCTJ2ZT76)/#NO
M6R:3<&>Y\1QWT*[H_GA$T3E\[L#A&X//3BO3:* //-9T+5M2E\?1P6$@&J:;
M%#9N[*!*ZQN".O'+ <XJY<V.IZEXD\/7?]FW5K#%IUW!/([1DP/((PN<,<GY
M">,XXKMZ* /-_#NE7R:9:6&I^#\WVE6KPB[EG5X9L1E!Y/S%@7&,Y  !/L*U
MO!^E:EI.HSP*U]_8?V9/(AU$J\UM)DYB5P260#'4D#C!/-=E10!Q>I:/-??$
M^POKC2#<Z9%IDMN\TBHR+*TB,/E)ST4\X[U-K^ESV.I^%;S2],DN;32II$>W
MMBH9(WA:-2H8@8!([]*ZZB@#S&+1=<%M;K)HUPK)XLDU%@)(R! 7<[_O?[0X
MZ^U&HZ'KS:AJVH6NF2N(O$%MJ<<!=%-W#'"D;!?FP&R"P#8^Z*].HH Y+P[#
MJ#>,_$&I7&E7-I:7L-KY+SF/)**X8$*Q(/S"H-2@U*#XG6FKPZ1=W5C%I4MJ
M\L)C_P!8TB,.&<'&%/-=I10!Q7B<:QKVA;(=$NHS'J=H\<+O'YC)'*DCN<.5
M P" ,YX]ZH:OH^JW2?$)(=+G8ZK:)%9'<@\YA 8S_%QACWQ7HE% '%PV>H)X
MRTW4#IMP+:'0Y+61\I\LI>-@F-V>B'GI[UD:'HFM:;IW@%I=)F:72XYH+R%9
M(]T1>/:&SNP5SUP2?:O2Z* /.O#VC7UK/%H^J>&VGDLKUKB#57F5H"N]F60*
M6W"3#$8V]><XJA9Z5XAMO#?AW0I]#NI;G1]7BEFN4DB\N:)78^8I+@Y(.2"
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M+;&,X5P,X)'/:GZO<:?KMO%!J&@:U(L,RSQ,D3QO'(N<,K*P(/)Z'O0!SO\
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MGAO7?L>HS0M&F#LE1(40AT5\')4\$'(.#Z4 >A:5>-J&D65Z\?E/<0)*T?\
M=+*#C\,U;K$'B( 8&BZN!_UZ_P#UZ/\ A(_^H-K'_@+_ /7H VZ*Q/\ A(_^
MH-K'_@+_ /7H_P"$C_Z@VL?^ O\ ]>@#;HK$_P"$C_Z@VL?^ O\ ]>C_ (2/
M_J#:Q_X"_P#UZ -NBL3_ (2/_J#:Q_X"_P#UZ/\ A(_^H-K'_@+_ /7H VZ*
MQ/\ A(_^H-K'_@+_ /7H_P"$C_Z@VL?^ O\ ]>@#;HK$_P"$C_Z@VL?^ O\
M]>C_ (2/_J#:Q_X"_P#UZ -NBL3_ (2/_J#:Q_X"_P#UZ/\ A(_^H-K'_@+_
M /7H VZ*Q/\ A(_^H-K'_@+_ /7H_P"$C_Z@VL?^ O\ ]>@#;HK$_P"$C_Z@
MVL?^ O\ ]>C_ (2/_J#:Q_X"_P#UZ -NBL3_ (2/_J#:Q_X"_P#UZ/\ A(_^
MH-K'_@+_ /7H VZ*Q/\ A(_^H-K'_@+_ /7H_P"$C_Z@VL?^ O\ ]>@#;HK$
M_P"$C_Z@VL?^ O\ ]>C_ (2/_J#:Q_X"_P#UZ -NBL3_ (2/_J#:Q_X"_P#U
MZ/\ A(_^H-K'_@+_ /7H VZQ?#'_ !X7G_82O/\ T>])_P )'_U!M8_\!?\
MZ]9'AS7_ "[&[']DZJV=0NFRMMG&9G..O44 =E16)_PD?_4&UC_P%_\ KT?\
M)'_U!M8_\!?_ *] &W16)_PD?_4&UC_P%_\ KT?\)'_U!M8_\!?_ *] &W16
M)_PD?_4&UC_P%_\ KT?\)'_U!M8_\!?_ *] &W16)_PD?_4&UC_P%_\ KT?\
M)'_U!M8_\!?_ *] &W16)_PD?_4&UC_P%_\ KT?\)'_U!M8_\!?_ *] &W16
M)_PD?_4&UC_P%_\ KT?\)'_U!M8_\!?_ *] &W16)_PD?_4&UC_P%_\ KT?\
M)'_U!M8_\!?_ *] "I_R.\W_ &#8_P#T8]8.K6MS>?%*WAM;^2QD;09OW\2(
MSC]_'TW@KUQU!X].HF37_P#BL99/[)U7G3T7;]F^;_6/SC/2IY9]/FU@:L^A
M:Y]N$!MA*J2+B,G)7 ?'4 YQG(H R-%\3ZOJ,/P_N);H :LLRWL:QKB5E@=@
M>F5^90<#%):>(-3FO+S3-4N[[3]1-G<R1((HS#. 04EMY0ISM7JK'/S<CC-7
M;:TT2S32UM_#FN(NEEC9 "4B+<"#C+\Y!(YSP:FM!I5D\31>'];;R4>.(31O
M((U;&X*&8XS@#CMQTH R/"VJ7O\ 9W@K0A?W"?;M&^V27+*A?Y(X@(U)7'\9
M))!/'7FHF\1^(94M+(:CY,\7B5M'EN1 A^T0^6SA\$8#8P..,@\8XK4BL=#@
ML;*TA\-ZW''8N7M759!)"2-N%??N QQMSC'&,5-+%H\T-G$_AW6MMI<&ZAVI
M(I$QSER0^68[FY;/4^M %+4->UCPSJFHPW%^^IQ6'AQ[_;)"B&29'(R=H& 0
M.G3K6A/<ZG8:3-J[>);4VDFE-*K74*[4FP&$J[ "8\'E>3TP?5\DVFS:N^J2
M^'M9>[DMS:NS0N5:+.=A3=MQGVK.L](\-V.GW5A#X5U@VEU$T,D4D<D@$9ZH
MFYSL7OA<=!Z"@")=6U*:3Q3I5Y+<R01:*ES%]JCC20%UE5N$ P#L!P>1STZ5
MTWA1#)X$T1%D:-FTR !TQE?W2\C((S]16%%I^A0O-(OAS73)/:_9)9'\UF>+
MG +%\D_,1GK@XSBM:PU6WTRP@L;30]92WMT$<2&!FVJ!@#+,3P* .6\*7U^O
M@SPJG]L7+SWXED>)41KB; 8D(S+M #$,S/\ 3/(!7_A)?$/_  K[1_$R733W
M$,S+>621)F]19'1@N%)#@+N^7C ;@=KZ:3X>BCM$B\,ZW&+21Y+<H)5,1?[R
MJ0^0A_N?=]JLZ;#H^CF#[!X<UJ%8#(8D"2%4\PY;"E\?IQVQ0!T.@3-<Z%9W
M+:B-0,\8E%RJJJN&&?E  XYX[^M<_I&HZIX@MEU:WU9+1(M5EMYK.2)63R4E
M:+83C<)#A6!SU.,8JQH]QI^@67V+3= UJ&VWLXC,3N%).3C<QP,DG XYJE'9
MZ%#KDNL1>&=82\E?S9-L3B-I/[YCW;-_^UC- &5'X@UZS\/:OKUSK/G)9:C/
MIZ0/!&J ?:5B21F SE023V([=S>U?5_$GAFWO9[R[MI;>Y>WALC(ZM) \DBQ
MNS;40%!N##WXZ&KMNFCVVFWNG)X:UA[.^=Y+F&:%Y5D9^7)W,>I.>*JVNF>'
MK31[K24\+:Q)972!)8YXY)2RC[JAG<D =@",'D<T 5YXKRP^(&N.FI32S+X<
MCDBFE2/<A$LO& H!&1GD=ZCTV[U#5/$'@.ZN-2N0UWH4ES.B! CR;8"3C;WW
MG/IVQSF]!8:);RR3+H'B%YI+7[&\LKS.[0Y)V[FD)[FID@T:,:4$\.:T/[*0
MQV9V29C0@ J3O^9?E7ALC@4 6O%E]JEMJWARTTZ_^R)?WKV\Q\E7^7R9'R-P
MX(*C'ZY'%<Q-KWB:R%WI;ZMYMQ9:_9V2WIMX\S03[&VNH&-P#X)7';I5WQ7=
M76KZKX=>'P_KCV]E?&XG>./RV5?*=!@[@<Y8'CL#]*T)H-'N+1+:7P[K;(MR
M+S(20,TP((=F#Y8C QD\8'H* $L;C5KKQ!J/AM]<N%ETZSBE%YY$0DG>5I,,
M5V[=J!5' &23FJ.B^*]7U67P7<3N(5U*.[6\MTC&UWB4@,I(R 2,@9Z$5J7L
MFG7]]'?3:#KBW<<1A$\*/$YC)R5)5@2,\X/0\UE17-S/XCTJ8^%]2L+#11/'
M;+'$&$J.BHF ,;< -D'IQC/8 ?I&N>(M1TS2O$Z7-LVF3Q/+=6C2+T*DJD>(
M\AU8;<%CGGOBM#1)]6UG2='UG^WE6WU&R+SP+$GRR.@9?).,@I\P.[=D#GD5
M7TZQT'2=5EU*Q\,:Q#<2.TA B<QJ[?>98RVU2<GD 'D^M.TBST+0KN2XTWPS
MK$#.6(3RG:./<<ML0L53/?:!0!B:'JNLZ=\//"]\KZE?6LMJ9;YK58I+F+*C
M:RJR_.H));JW(Y(XKN+35$E\&1:I%J4$R_8/.^W2KMC8A,F1E&,#/)'&.:P;
M6RT6P@MX;/P_K]NEL'$/E&92BOC<H._[ORC"]!CC%: O;!='_L@>'-4&GF V
MYM_LGRF,C:5Z],4 <_#X@UM+C4+8W]PP'A[^T(9IX(U/F@D%U4#A&X^5QD>U
M+9^(]8TV;1+N_P!0DOX-0T&>_FMS#&@22)(FRA49Y#D$$GGICI5F+2?#T."G
MAK72PM39[V,S,83_  $F3)'8>@X&*MPQZ1!/I\R>'=;WZ? UO:[ED81QD %<
M%\$$*O7/0>E &.)KS4=4^'6KW6H-.;Z22=X0B"-&>TD;"8&<#)').?K70^,;
MW4[.X\/Q:=?FT^W:FMI,1$KY1HI&R-P.""@Q^N:R[32/#UC-:26_AO74^QRM
M-;)^^*0,P(.Q"^U003P!CGI6GJ5S8:M)9R7N@ZV[6<PG@*QNFR0 @-\K#)P2
M.?4T 937?BB]N-7TC3-5C.H:.((Q//L03.T:R;Y$$9^4Y*_*5^Z>]17.H2V?
MBGQ5?K>6MI,F@V;K<2 R11MNGP<#EAGICD\5=U.QT'5]6CU.]\,:P]XJ",R)
M$\?F(#G:X5@'7V;(I]Y;Z+J$]_-=^&M9E>_@6WN=T;[7C7.U=N_ P22" ",T
M <_K^L:N^A^.K"2]O8TL])BN;=Y5B29=ZR[@=@P =@_VAD].VY/?:S<:I+X=
MTR_:.XM]+BNDGD:-7D:1G4$CRR"J[%' 'WN32)IV@)]K)\,ZU(;RU%I<-,LD
MAEB&<!BSG)PQ&[K@XS3+S2O#U^ED+CPUKA>R4I!,OFK*%/53('#,#Z$F@!UK
MJNKZU>ZEI%S?Q6ESIVF0/.]D%=9IY0^YE+J?D&P8''WCD\"M#P%((?A?H$I=
M$":7"Q=_NKB,<GVJI=VNBWEY!=OX;UJ*>"#[,CV\;PYA_P">;;'&Y?8Y%7+"
MZT_3-&CTBU\/:NMA'%Y2PO;LXV8QMRS$D8H YVW\7ZOI\WGSSRZA;GP[/J>7
MB2-9I8BAW1  ,J,'. W.,'ZZUPVL/X=DU-?$1>WN='>4*D:*XFV;P\3 <+C(
MP=QZ'.>:BL=,\/Z=-:S6_AC6M]K"UO"9%DDVQ-C*89SE>!A3P.V*=I-CH.B)
M-'8>&-82.9&C*/$\BJC=40,Y"*>X7 Z>E %;2;W4K"T^'EK'J,KV^H0;+A)$
M0E@+0NH!"Y&"![^N:LZ=J^K-J6I>'+K4I6U2+4$,,_E1@FS8;PV N.BNA./O
M8]:=;VFBVJZ:(?#NN@:82UID2GRR5V]WY^7Y<'.!QTK1_M&S_M;^U/\ A'M5
M^W>1]G\[[+\WE[MVWKTSS0!R?BS4]4FT/Q]:-J4RQV$MNEN8U12J21QLR$@<
M@[S[X[UO:GK6HZ)XK:W:[EN[.'0;F^,+H@9Y8W3!RJCLQ&.GM1-!HMPNJK-X
M;UF1=5 %Z'CD(EP !_'\N  !C&,"I(O[+AU""_7P_KANH+=K9)'61OW;$%@0
M7(;) ))R21F@"I:7?BR:SMM4M[^PFMKS37D5)Y5V_:#'OC:/:BX7KD,QXYSP
M<W_"&NR:I=WUK=RW\-];1Q>=87\*+)"QW9960!71L<$9^Z>F<5FV&D>'-,BN
MXK3PMK,<5U&\3Q[)"JH_WE0%\1@_[.*U+*\L]/GDGAT/7&GD18WEFB>5RBYV
MKN9B<#<QQZDF@#J:*Q/^$C_Z@VL?^ O_ ->C_A(_^H-K'_@+_P#7H VZ*Q/^
M$C_Z@VL?^ O_ ->C_A(_^H-K'_@+_P#7H 70_P#D+>)/^PDO_I+;UM5SWABY
M^UWGB&?R9H=VI+^[F3:XQ;0#D5T- !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %8MU_P CMI7_ &#K
MS_T9;5M5BW7_ ".VE?\ 8.O/_1EM0!3\3ZWJ6E:QX?M+(VGE:E>&VE,\3,R#
M8SY7##^[CGUKHY98X(7FFD2..-2SNQVJH'4DGH*X_P ;1W+ZYX5G@LKNYCL]
M0-Q<&"%GV)Y3KGCW8<=:9XMDU+Q+X<U"PTC3KM7C6*8&YC,(N"LJL8EW8SE4
M8'.!R/4T =(GB#2'AN9O[2MECM5#SEY OE*>C-G& >QZ&BQ\0:/J=VUI8ZE:
MW%PL8E:*.0%@A_BQZ<C\ZX_7;&YUO4;W6;.RO(XQX?N;)HY+=DDFED(*1[2,
MG;@\]/FX/7"V%C/%K/A.22QN8K>UT*:VNG,3((G(API.!C[C^W'N* .N7Q%H
MKW,5L-4M!-,=L*-*!YIS@[,_?YXXSS6;XTUO4-!TZQN-/^REI[^"T<7$;. )
M'"Y&&7D9S7'^$9(XY/"RZC::Q;+IL#6]FTNG,L>90JJ))58J> %!PH)(/' K
MIOB);7-YI.FQ6EI<7,B:K:SNL,9?;&D@9B<>@'XT =#+JUC;7"6MQ>1+<%D3
M'0;V^Z/8GL"<UC:+XBEDG\1?VO<6T<.G:E]EBD5=@VF.-E!R3EB7Q[G&!61J
MEEJ*>*I;_15ODEEO+;[59W%N7M;R,"/,H8C]TZ+WSDF,#!R*IS0:E;?\)%+'
MHUQ.)O$$%PA-MO980D2F:-3PS*4./SP1U .V/B/15M5N6U2U2)I_LP9Y O[W
M.-F#SNR>G6GV>O:1?VMS=6FI6LUO;$K/*LHVQD#)W'MQS]*\WETO4CI^KV[Z
M1J3>=XFM;Y#+$',D(,!9CMST"-D?AUXJSK^E:O=:AXLFL-/N) ]QIUS'&4*"
M[2$@R(I. 3QC!ZT =1IGB234?'=_I,4\$MC!I\-RNR,JZ.SNI#$GGA01P.&'
MUJ;4-?N'\50^&M*6$7?V8WES<3*62"+=M4!01N9CG R, $\]*SM)DN+[XCW.
MJKI=_;V4VCP0B6Y@\K]XLLK%2#SG##M^F"6ZA87FA_$3_A)H;.>\T^]L5L[M
M;=-\D#HVY7V#EE()!"Y(ZXH WX)M5M=1=-1DM'T];<R?:D0QE6!&0P+$ 8YS
MGUZ8YEBU_2)DN'34;8+;H))BT@7RT/1CGHIP<'H:PO%T6H>)O!NIVFD6LRR/
M&K1_:5,)F*NK&/:P! (4J2P ^8=1G%+4K6XUK78];MK*\@B@T:YMYDE@9))7
MDVE(MI&6VE6.1D9(P3S0!T2>+?#LC;5UJQ)\@7&/.',9QAOI\P_,>M2#Q-H1
MM+6Z_M>R\B[)%O(9E DQG=CGG&#GTQS7&Z3IUU#+\.?-TVY4Z=I\D5T3;M^X
M<P(F#QW93_.J=KIM\(M'1],O (?%ES?,#;M\D#&<J_3I^\3WY]C0!W*>+_#D
MD<+KK5B5GE\F,^<.7SC;[') Y]1ZU;O-:TS3YT@N[Z"&1F50'?&"QPH)[9/
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M]/NELKB.U70OLQD,#*JR>8C!#QP< T =G1110 4444 8NA_\A;Q)_P!A)?\
MTEMZVJQ=#_Y"WB3_ +"2_P#I+;UM4 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5BW7_([:5_V#KS_
M -&6U;58MU_R.VE?]@Z\_P#1EM0!J75W;6-N]Q=W$4$"?>DE<*H^I-5[76=-
MO9Q!;7T$DY4MY2N-^!WV]<<]:Y/79'N/BWX8L+K_ (\DM+FZA1ONO<+A0<=R
MJDD>F<UT/B.XL](TVY\13VXEFTRUFECQPS#;EDSZ':/R![4 ;-17-M#>6LUK
M<1K)!,C1R(W1E(P0?J#7)#7-7LM2\.1SSP7,.N1NC;8<?9YA$9%*X.63 8$$
MYZ'-8<7B;Q:?!%IXD:_TYC<3PV_V;[&P +70B+;]_H>F#C'?K0!VFF^%].TM
MXS"]]*D6/*CN;V69(\=-JNQ''8]1VK:KSG4O&&N>%K[6;#5)+6_>.VM[FRN(
MX#$J^;-Y.V1=QX5L'KDC/-7M9\0:SH6J7FG>?#<[](GU"UN)(>8Y(<;D95(!
M4[EP>".<YH [BBN(M=3U\:;H]U>:K9D:IY;^7!:D3H#"6*1#Y@YW8))  7<?
MIDV^NZSKD?@BXDO?LLESJ5Y!<)'&,.8DG4$C)_YYYP#C)]A0!Z);7]I=W%U!
M;SI)+:2".=%/,;%0P!_ @_C5FN"N/&.HV,^MP2_9WECUJUTRT<1%503+$=SC
M.3MWD]1G Z5'XC\4:WX??Q!8)-#/+::.=4L[F6'D!6*M&X4@$Y ((QUY!Q0!
MZ#17*:5JVK+XR.DW]Q;W$$^F"^C\N'RS$P<(5SD[AR#D^E=70 4444 %%%%
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MK:YOWF+QP6["9D4'9Y:,6!S@,6; "L.G6HM-\8ZA?:1X5FO&BLTU03K=WBJ
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M_GWU?_P3W?\ \;K;HH Q/^$JT[_GWU?_ ,$]W_\ &Z/^$JT[_GWU?_P3W?\
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M.,2&+(PY#+G ZE:]6HH \NU6+37T2YUS3;?5U,VIV-R[W%M*3<21N.L. VT
M#)5>2 1G;437>FRV>OZE;6DE]>WVH6MQ/:FQN$-M&K1J) A57E"E-YP,$\'W
M]$UG1(-;AMUEGNK>6VE\Z">VEV/&^TKD=0>&88((YI^G:4EAN=[JYO+A@%,]
MRX9L>@  4#Z 9[T <UX($R:YXJ$L5]LGOHYXI;FV,7F*8(QD?*HSE3QC(QSS
M4%@DGA+QWXAGOH+@Z;K3Q7-O=Q0M(L<BIM>.3:"5Z @G@CC.:[NB@#C/%UQ>
M7UAI=[96=U+8V>J6]Q=((FWRPKG<5CQN8*Q1NG.WCH,\UXNTR:_M/&E_8VD\
MUE?6=K'%&EN[&>Y4G<ZKC)PI0;@.<>U>L44 <#-8V1^(=W/_ &839G05C#BS
M;87\QSM'RXW;6Z=<'%8_AFR877P_:\TZX#6NBSPW+36C_NGQ"%5B5X/ROC/I
M7JU% 'D6GZ?]F\+^&PFEW$5Q#XE>5P+-PZ1>=+AC\N0NQEYZ8(J]HUO%<7D6
MCZYI^L/JUCJLEW&PC<6[YE9A.)0-NW8W*DY/*XKT^B@#R:+19G\!>(GT_1F.
MHKJ]S*D;6QCDFMS=!RB[@"5>-<8'!Z5J>(I-/\0^"_%%_IFBWOVF\T[R6>:R
MDCDFD"L$18V&25+'Y@,<C!.#CT6B@#R;QC]HO=/\06=OI=\DT^APB*6&SDD:
M\*ASL)(*H$)/'#$MUZ"NGLW>?XFQ78M[I8'T)4$DENZKO\W=M)(X;'.#S794
M4 <SXDLK75M5L]+O(99+:ZM;F"4K$Q50X0#+ 84\'&?2N"UC2_$$WPLU:+6+
M2>?4[:#^R[-(8FD>=$E7,P !/SA4_! >]>QT4 <2TQMO'E_=ZE;SS:5J&F11
M6LGV=W52K/YD3* 2"VY3@CYL8YQBN>T3P]+;ZAX'L]8TY[@P:=?13^;;F18E
M=HS%'(V"N0@*X)[&O5Z* /+-5M6CTOX@V$MM>P&:ZCN('BM6973RH%4*0,,"
MRE2H.< \4RYO=-U+_A*-46PDO]3N]-2+^RS9W$)>./(8@NB,Y_><A><*!7H^
ML:1;ZW8&TN7GC42)*DD$A1T=6#*P([@@'TIFG:,MA)YTM]>7TX4HLMVZDJIQ
MD *%4=!SC/'6@#S>\CDO!XZ:;^U3!?Z-;M'<BP:+?M64,%4@>JC:3N(]1S2W
M#IXB?6KFR=HO$%QHGV*VM393VX<KN9BKRHOS'=M '0=SV],U?2K?6M-DL+HR
MK$Y5MT,A1U96#*P8="& /X5!IVB"QD66?4+Z_E0$1O=NIV9ZX"JHS[D9]^30
M!S_A1]-U76%UBWT_6(+U++[+.U_$\(B&X,(L$ .0<G*YQZ\U%?V\_A_XF-XB
MEMYYM+U#3ULYI8(FD-M*C[E+*H)V,"1D#@CG%=S10!Q_C&6\U_P5JMOH5O/-
M(8E()1H_. =2\:A@"VY PSTY ]<9FKPKK.N?VOI]M.+-=#N8+L/;.ID9BIBB
MV$9+*=YQCC/O7H=% 'DMSINFV?@[X?27&EI%+]MLHKM6M")"1;R!@XQN.#G.
M?>NAT..'0-6\3ZO#9W":1>W=L+>&WMF.Z3:$DD5 ,[2Q&3CG:3TKI=8T*'6I
M=/DFN+B(V%RMU$(2H!D (&<J<C#'CWK4H **** "BBB@ K%\,?\ 'A>?]A*\
M_P#1[UM5B^&/^/"\_P"PE>?^CWH YS1;Y=/\>>,[JYM;\07,MJ8'2QF<2[(
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M1<MDG@>I.?QKS/18&FL/AK;W.F7@%AOCNUFLI (G%LR?-E>!O( /3/2O5Z*
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M&SGC/]X$$@<>G44 >>^#5LM0NM)G?3-8M]6TRT-M,+N)XH[<%0&0' 60$J,
M9XYXK3U-KBP^(UGJ%W%*^DR:8]M'(D;.L,_F!CN !V[E &?5<=ZZ^B@#RM=,
MO--\-^'[>2UNO+'B7[5! L#LUO:F60IN !V@*0<'&,X[5VOC6+[3X$UV%('G
M>73YECC2,NS.4(4!0,DYQ6_10!YQ96<$GC"SN+K39&A'AI8GDDLW($FX94DK
M][;GCKBJMA8:C:?#WP=K5K87,FK:)'&DEHT9262)@(Y8\,!R!AAG^X*]1HH
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MZN[2YM7+PSVLNQER,$8(*D$=B#5C3]-33U<F>>YGD $D]PX9V S@<   9/
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MR;_"C_A+=!_Z"47Y-_A0!M45B_\ "6Z#_P!!*+\F_P */^$MT'_H)1?DW^%
M&U16+_PEN@_]!*+\F_PH_P"$MT'_ *"47Y-_A0!M45B_\);H/_02B_)O\*/^
M$MT'_H)1?DW^% &U16+_ ,);H/\ T$HOR;_"C_A+=!_Z"47Y-_A0!M45B_\
M"6Z#_P!!*+\F_P */^$MT'_H)1?DW^% &U16+_PEN@_]!*+\F_PH_P"$MT'_
M *"47Y-_A0!M5B^&/^/"\_["5Y_Z/>C_ (2W0?\ H)1?DW^%9'ASQ1HL-C=K
M)J$:DZA=,,@]#,Y!Z>E '8T5B_\ "6Z#_P!!*+\F_P */^$MT'_H)1?DW^%
M&U16+_PEN@_]!*+\F_PH_P"$MT'_ *"47Y-_A0!M45B_\);H/_02B_)O\*/^
M$MT'_H)1?DW^% &U16+_ ,);H/\ T$HOR;_"C_A+=!_Z"47Y-_A0!M45B_\
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M3;"YG\37$+::$TOQ0D>I.IB \@1$!D<>KJ8<CU9_2@#O];O;W3M'N+S3]/\
M[0GA0N+82^6T@ R0IP>?0=ZR8/%AO_"6FZUIUI#=3Z@8UAM1<%<LQ^9=VSJH
M#%N.-K>E=,    , =J\]\(VME:_$CQ7;V[8MX7BFM(MWR(\J9G*#W95SCIST
MR: .^$P1(_/:..1\#;OR"WH"<9_*E>5(_ONJGMN./;^9'YUY_J!M&\4>++3Q
M(B>1<VD(TXS+D/$(R'2+_;$F3@<\J?2LO1=&AO?%6BVOBBU@NK[_ (1I!=+<
M*&+3+(I ;/5P,^_!- '>>'->?6[2]FN+>.U>VOY[,HLN\'RG*YR0.N,]*VZ\
M@T"]CM/$4\NKQPW.B3ZW>K:OMR+6Y,KE9''=70X5^BX_VLUZ^"",CI0 4444
M %%%% &*G_([S?\ 8-C_ /1CT:CX@%MK=MHEE;BZU.>)KCRVDV)%"IP7=L$@
M$D   DGV!-"?\CO-_P!@V/\ ]&/6#>P/HGQ577KOY=+OM+%D;D_=@E23< Y_
MA5@3@GC(QW% &Y:^(C_;YT/4[=+2^: W,!27S(YXP<-M8A3N4XRI'0@C/;:\
MQ"0 Z\].>M<->V<7BOXC:/>VP2YTO2;2Y6XGQNBF>8!!$#T; !)QD#@'DUS"
MV&H:)#:3Q:8TO_"&WS0*5B!>[M92,!/=8I%)_P!H?6@#V R1CJZ]<=?QIIGA
M6(2F5!&<8<L,<^]>>:GHFGV_BCP9;WMM:M+(]Y)=Y0;7>2,LV?52Y. ?85DZ
M?&@T.."QU*TT^6SUO4&L8[N,-:,F]\1N,C:I5\J1^'7% 'K@(89!!'J*:DL<
MC.J2(S(<,%8$J??TK!\.73/X%M+EM+>S*VK'[%"22H7( 0\'!QE?8BN)\&W5
MJ?%OAV6T41V\VA2PB..%\1LKQ$1NY'SNOS9)QSDX&>0#O+W7I++Q;I^CO;QB
MWO+6>X^T&7!4Q%,@KC&/G'.>W2MAYHHXO->1%C_OLP _.N)\76VG3>.O#;ZU
M# ^F?9+V-VNE!AWDPE5;=\N3M) /IQTKGM.BAT9-'LKJV>*REU*_?2Y+A'>.
MW@/")Y?=F#-L#= 3UZ$ ]7>6..,R/(JH/XF.!^=8]WKLMKXMTS1OLT;0WUM/
M.+CS.5,>S(VXZ'>.<_A7FOAO58-+T_PI+KB2_P!B1V=U:%YH&,<%SYHV[QCC
M]V&4''&2/6K6O6\EI?>&+;PLC0BWTZ]\F"Y=E=HB\1V!F.8RZJP4GD>@QP >
MM*RL,J01[&FM+&CJCNJL_"@G!;Z5RFG7-UJ/A[39_!/]DV5B8\/;WEJ^Z,\8
M7:C+M(YSG.>*Y[41%*WCBPUZ-3J,PWZ:2OS21^2HB$'<LL@8X7D,<]Z .SU?
M79K;58='TZ&&;49K66Z19Y"B!4*+@D G)+@#\3VP<R/Q1K>HP7,FD:/9RR6D
M_P!EN8KB]V;)!&K,0P4@JK,%]\$BLFTMD7XA>'1J\=M)J2Z PNI&523<[X<'
M/][Y6QWP#BL2>TTQO ?Q&6*VM?,:[NQ"%C7<1Y:;-O'(W#C'<<4 >N><J1QM
M,\<;-@?>X+'L">M*\L<94/(JESA0QQD^@KS:]OM*'B.\L_$\;2:9J6E01:=)
MY32(PPXEC0J"1(25/')POH*JZN-,;7=1T?Q*^HV=I>V=NFG8A$S.@3#1J^QR
M)5?)X.3D'F@#O?%>M3>'?"VHZQ#;)<O9PM+Y3R% P'7G!K5CGC=20Z97&X!O
MNGWKE_'%K/+\+=8M88[B:<Z:R!&^>5CL[XZMZXKF[G1=.O-9EN?"]M;O:SZ'
M=1ZB;8 QSR-M\D-CAI,[SD_-CKU&0#T\,I. PSC.,USFH>(=1TJUTA[JPM3+
M?:DMC((KDLL09V"L#M^8X'(XP3WKCM!O]/O-9\!-%B01:+<6UP_E'"L$@!1C
MC&1AL@]/QJMISP0^ O"42E$6+Q*25Z;%%S,<D=AM*GZ$4 >@^+?$#>&O#]QJ
M,4,5Q+#M/DO-L)4L%)'!SC/3]:TDFNO[3GCDB@6S6)&CD$I+EB6W KC@  8.
M?6O(_$5U;2^&_&5CJ\0.NC4S+ DD1:1X!(GDM'QDJ$XXZ'=GKSI>)5LI=5\>
MXCB(N/#D14%?OR@3XX[L,I[\K[4 >IK+&[%4=6(P2 <XSTI$ECD9E216*'#
M'.T^]>9V%M8VOBG3A8%+0W7AF4336ZY=I-T15CCEG'SD9YX-4_!=QH>J:QX7
MD>^TM;W3],:V6 9\VXD(0AL,HP5"LW!)R[<XY(!ZW1533-3M-7L([ZQE,MO(
M6"N49<X8J>& /4&K= !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110!BZ'_ ,A;Q)_V$E_]);>MJL70_P#D+>)/^PDO_I+;UM4 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MKSDF"$2L%9V.3CC:!U/.,X..^H Q/)\4?\_VC_\ @'+_ /':/)\4?\_VC_\
M@'+_ /':VZ* ,3R?%'_/]H__ (!R_P#QVCR?%'_/]H__ (!R_P#QVMNB@#C4
MB\1_\)C*/MFE>;_9Z9/V23;M\QNWF=:U_)\4?\_VC_\ @'+_ /':5/\ D=YO
M^P;'_P"C'KF_%\RV_P 0O"\<LNH"UN8+SSX;1YCYA18]A*1\G&3SCO0!T?D^
M*/\ G^T?_P  Y?\ X[1Y/BC_ )_M'_\  .7_ ..U0L-5L]-MK5+-+V2?5[N0
M6MK>2ON0HIW9+Y9% C+$=06QC)Q45SX]AM+:Y\W3+DWEIJ$-A<VT;J2C2E0C
M@DC<K!@1QGU H U/)\4?\_VC_P#@'+_\=H\GQ1_S_:/_ . <O_QVL]?%NH'5
M8]);PU<QZC):272Q-<Q;=J2!,;@3UR#^(&.N(]-\=IJ)T*;^R;F"RUAC%#/)
M(F5F",Q4J#G'R,-WJ.F#F@#4\GQ1_P _VC_^ <O_ ,=H\GQ1_P _VC_^ <O_
M ,=K/B\=6L]]8I!;&>TO9F@AF@E#NK#."Z?PHVTX;/<9 S6!XA\47/B/X<:_
M=0Z3>V5JEC=%;HW"J1+$[)MPK;OX2<]."/J =?Y/BC_G^T?_ , Y?_CM'D^*
M/^?[1_\ P#E_^.U%;>(=FO+HEQ;>218"[BN'E&V500& XZJ2,^Q![U8.N,GA
M&77I;1H]EF]WY!;)VA2P!XZD#\* &>3XH_Y_M'_\ Y?_ ([1Y/BC_G^T?_P#
ME_\ CM8WA;3&\0^#+'5=4N[I]2U&W%R;F*=T,!<;E$8!PH4$#'?'.<FJ?A#Q
MW>:AH_A]=2M0]S?33V3W88(AFAW]1CC>$)&.^1Z4 =+Y/BC_ )_M'_\  .7_
M ..T>3XH_P"?[1__  #E_P#CM5-+\7#5K)98+']__:,FGO!YX+(\>[<2<8Z*
M6]QCN<53M?'WVC['*^BW4-I<:D^F-,\J$QS!V0?*"<@LN">V>] &OY/BC_G^
MT?\ \ Y?_CM'D^*/^?[1_P#P#E_^.U0E\<VBWL"10>?:RWIL3)%*&D20,4+&
M/KY>X$;L^^,<UB^+-<DU;3-+N[""3[ -?M8%NEN"I<K<JC'8.J$AE!)YZXQS
M0!U/D^*/^?[1_P#P#E_^.T>3XH_Y_M'_ / .7_X[5[5;]].LQ-%:374CRQQ+
M'$,\NP7<Q_A49R3V )JIX>\01:_%?&.,))8W;6DP202(655;*L.H(8=AWXH
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M'/UX)X.AHWB ZMJ>J:>]C+;SZ;*(IF+JR,S*'7:>I!5@>0* #R?%'_/]H_\
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M]"[I'_@%'_\ $T <[J?@S5[^YU"0:K98N-0MKZ)YH&>2/RF1O*W;A^[!0D
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M/_XFC_A#_#/_ $+ND?\ @%'_ /$T ;.X>HHW#U%8W_"'^&?^A=TC_P  H_\
MXFC_ (0_PS_T+ND?^ 4?_P 30!L[AZBC</45C?\ "'^&?^A=TC_P"C_^)H_X
M0_PS_P!"[I'_ (!1_P#Q- &SN'J*-P]16-_PA_AG_H7=(_\  */_ .)H_P"$
M/\,_]"[I'_@%'_\ $T ;.X>HHW#U%8W_  A_AG_H7=(_\ H__B:/^$/\,_\
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M !-'_"'^&?\ H7=(_P# */\ ^)H V=P]11N'J*QO^$/\,_\ 0NZ1_P" 4?\
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MRY['CK3_ /A#_#/_ $+ND?\ @%'_ /$T ;.X>HHW#U%8W_"'^&?^A=TC_P
MH_\ XFC_ (0_PS_T+ND?^ 4?_P 30!L[AZBC</45A_\ "*^%?-\K^P-'\S;N
MV?8XLXZ9QBH=/\-^&K^PANF\)V%J9%SY-QI\2R)[, #@_C0!T6X>HHW#U%8W
M_"'^&?\ H7=(_P# */\ ^)H_X0_PS_T+ND?^ 4?_ ,30!L[AZBC</45SL/AO
MPU+?W-J?"=A&(%0B9]/B$<N[/"'')&.>!U%6?^$/\,_]"[I'_@%'_P#$T ;.
MX>HHW#U%8W_"'^&?^A=TC_P"C_\ B:/^$/\ #/\ T+ND?^ 4?_Q- &SN'J*-
MP]16-_PA_AG_ *%W2/\ P"C_ /B:/^$/\,_]"[I'_@%'_P#$T )H?_(5\2?]
MA)?_ $EMZVZY[PQ9VMA>>(;:SMH;:W34EVQ0H$5<VT!. .!R2:Z&@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "L6Z_P"1VTK_ +!UY_Z,MJVJQ;K_ )';2O\ L'7G_HRVH P?'@F;
MQ%X+6VDCCF.J/L:1"Z@^1)U ()_,5DZ#>SZ9HWC75)8R_C.)7DOX3]UC'&?(
M,:C_ )9%<8ZGJ"2:]"O-(TW4)X9[VPM;B: YBDFB5FC/JI(X_"E?3+"344U%
M[*W:]1/+6Y,0,@7KM#8SCD\4 <5%>W5K>^#[NPU*YN8=5@<7GG3-*CKY!D$P
M!.$(8#[N!\V,=,4K'4+];'4]+UI+I=1_L2:99UNVGM;Y  #,F3\C9897 X88
MXKOK31-+T]G:STZUMRX(/E1*O!.2..Q/.*;#H&CV]O);PZ9:)#)'Y3QK"NTI
M_=QC&WVZ4 <,EY+X<T#P9XCDNKD:2EA!:ZA")&,:!XE$<NP<<-A3[/GM5FZ@
MU%-;\)6MQJ6HP'47NY+R%+EAC,9<1YSD!,[01C&,C!YKHKK1+N6XMM/MQIUM
MX<B5"]M' 1*61]P5<'8$.%SQGJ._&K<:987=W!=7-G;S7%OGR99(PS1YZ[2>
M1^% &#X#N;F;1+R&YN9KDV>IWEI'+.Y=S'',RKN8\D@ #)YKB-8_M?\ MKXB
MMII#6_GV:WT44>;AK<VR"0PDG:'"Y(!4Y[<XKU6RTVQTU)$L;."V21S(ZPQA
M S'JQQU)]:9:Z1IME=SW5K86L%Q/S-+%$JM)_O$#)_&@#C;O4K&PLO!^EZ/>
MQP:%>QM%#<&5E#A(QY:%U(()Y/4$E<>HID;7%O-INBS^(I]1G,EVZK',T :-
M=O$DX8L?+WXR,DD\CY21UK^&-!DTZ33VT73S92OO>W^S)L9O[Q7&,^]/?P]H
MLD-G"^DV+161S:H;=2(/]P8^7\* //\ 1M1N-5M?AC>7EP;BYDFG\R1CDL1:
MRC)]\8K=^*^3\/[H!MI-U:8/I_I$=='%X>T6$6PBTBQ06KEX-MNH\ICU*\<$
M^HJ?4-+T_5H!!J-C;7D(.X1W$0D7/K@B@#*N5OM/>ZEN]=C FMF2VWPA1%(J
MNQ? ZC !_P" ^]>>Z_=W;>"O%.EZS#?VNJ0:7'*P^W/-;S*&8>;&^<@,3AD(
M'0<&O4(O#VBP2-)%I-BCM&T3,MNH)1OO+G'0]Q3XM#TJ&VFMH].M5@GC\J6,
M1+M=.0%([KR>.G)H X/QGJ#V=KKR:7JEYYVEZ0)POVQT6W<F0J^[),KL5 VM
MD +C(W8*7ER]KXQUO5[=I9;R+PS%=0Q^>^QY0TW&S.",@?+C&>>M=N_AC0)#
M&7T33F,<!MTS;(=L1SE!QPO)XZ<FIX]&TN*YMKF/3K1)[:+R8)%A4-%'_=4X
MX'L* .7\,-+=7^FZK!XD2ZM+RR.^T\QY?.;@^8-S'RR.00 !\P& <5K^)WFN
M8[;1[6)9I;U]TT;/L!MT(,F3@\'*I_P.KVG:#H^D3SS:;I=G9RW!S,]O J%S
M[D#FK!TZR;4%U!K2 WJIY:W!C'F!?3=UQ[4 </X/FFT#6?$'A:Z6.T"[M4T]
M0^]4@E)W@<#A),\?[0JG97^M"WO-(NI9;+7CIZM!<R7KS6=X/,5?-1LYC+%@
MI& 1O!'2N_FT72[C4!J$VFVDEZ%V"X>%3(%]-V,X]JC3P]HT=M);)I5F()$$
M;Q>2NTJ#D+C&, \XZ4 <"_BBXMX([.Y6\TF9]8CMM02]NFE6W5X"R!)@V=CL
MB\Y!&X]*36-.EB&D6]WK<M^@\20B/RYY0;='0GRB^\ER#@@D[@&%>A-HFE26
M$UC)IUJ]I.<S0O$&60\<L#UZ#KZ#TI@\/:*-*32AI-C_ &>C!EM?LZ^6"#D'
M;C&<\YH YGXK033_  XN_LRO-#')!+.J98O LBL_UX&3[ UUIN[&XTP77FQ2
MV4T8(<'<DBMTQZYST[YJUM&W;@;<8Q6;9^'=%T^?S[/2K.WDW%@T4*K@GJ1@
M<$^U '#W^K7]YX>\9ZHM_<VNIZ+>S+:QI*P5%B56C!CSM<2#GY@<[^.@Q=TR
MWO=:\:ZU%>:IJELEK%87"6T%R46-W60NN.ZY&"._X#'82Z-ID]]]NET^V>Z^
M7]\T0+';RN3WQV].U.73;.WN[B_M;"U6_F7#S! C28Z!F R1^= 'F.ASZPNA
M>!]>36]1NKN_NX[6[MYIR\4L3!]QV= RA=V[KP<UZO%-%.I:*5) K%248'#
MX(^H-<WX+\*1^&O#]A:7-O9M?VL9C-Q"N=V3R02 03W^E;]I8VEA&\=G;16Z
M22-*ZQ(%#.QRS''<GO0!8HHHH **** "BBB@ HHHH *Q?#'_ !X7G_82O/\
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M,QB+'&-A.:[TVT!GCG,*>;&C(C[1E5.,@'L#M7\A4$^DZ=<Z<^G3V-M+9/\
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M=(242KI=FL@A\@.(%!$7]S./N^W2I8M*T^#3QI\-C;1V2\"W2(",<Y^Z..M
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M>/3_ +.FZ$0,(R^\D% V&D)W\CY<=1D Z?\ X1#P_P#] N#]?\:/^$0\/_\
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MEXTEYY/V.(37"SQO$R1G.'VL =O!Y QQ2:=XGT;5KT6EC?++.8!<*NQEW1G
MW*2 & ) ..A.#B@##%E:"W2W'@C5A$EQ]J5/M%O@39SYG_'Q][/.?7FFW>F:
M=?7-S<77@&_EDNF1IB[VI#LI!!(\_&?E'/4XP:W8O%.B375M;I?J9+O/V;*,
M%GP<$HQ&&'(Y!/4>M9_C?5]0T:QTR;3IDC>YU*WLW\R,.-DKA21[C/% !#(L
M&IR:E#X*U)+V5%C>96M0651@#_7=AQ]*;,PN-6AU27P=J[7T"E8IO/M\H#U
M_?\  /<=ZZ66:.SM'GN9E2*%"\DLA"@ #)8]AZUSVK^)X)?#FMS:1>;+^RL&
MNU$L#*0-C,C;7 RIVGGIP: (&C@:ZO;EO ^HF2^39=9>UQ.,;<.OGX;CCD53
MM]&TJUTF?2H?A]?)93LK2Q;K4[BIRO/GYX/3GCM70Z1K4-U:6,,\Q:^DLHKF
M7$9P R_>) VKDAN_:I;/Q!I=_??8K>ZW7!B\]$:-D\R/.-Z%@ Z].5R.1ZT
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M5M7_ ._EK_\ 'J/[<O\ _H5M7_[^6O\ \>K2LM0MM025K=G/E2>7('C9&5L
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M_L&Z_P"ACU?\X/\ XU0!M45B_P!@W7_0QZO^<'_QJC^P;K_H8]7_ #@_^-4
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M^">XO9])"1?8CJ&TW$9^;?&6'+(/EP3SR>HYJAJ6CZF/%TFHZ/%>VL[WEO\
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M$D#6^'"NJ[AN8AE+%ANSG'I79?V#=?\ 0QZO^<'_ ,:H_L&Z_P"ACU?\X/\
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M )^I/_ :7_XF@#;HK$_X2W1?^?J3_P !I?\ XFC_ (2W1?\ GZD_\!I?_B:
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MDB]TZ[-N#_# K1B/'^]EG_X'CM6K=_\ "*ZCINJ:?J%]>7=KJ4HEF26W8;6
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M$1XVEDE=4R054C8F!]\]V]N5TK_A&[/P2_AXW$MM%<Q2+.+>"3Y3)G>JED/
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MQVTLL"JWEW*%T8%@#P"/6H;G6=8O]1UNRT(60GTHQ)Y=TK$3R.@D(R"-B[6
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MH1VP[>1&L85O^!%G;/HR^E:UT_A?4+'6+*^O[RYMM6;=/');L IV*@*D1@C
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M*@\ J22K#H0>_I7,VD?AO3H9(-/UK5+2W:Y-U%!%"=D#DY8(#$<*<G*\CDX
MK3TG5?#FCPW"6]U.S7-P]S-(]L^7D;&20$ '0#@=J .JHK$_X2W1?^?J3_P&
ME_\ B:/^$MT7_GZD_P# :7_XF@#;HK$_X2W1?^?J3_P&E_\ B:/^$MT7_GZD
M_P# :7_XF@#;HK$_X2W1?^?J3_P&E_\ B:/^$MT7_GZD_P# :7_XF@#;HK$_
MX2W1?^?J3_P&E_\ B:/^$MT7_GZD_P# :7_XF@#;HK$_X2W1?^?J3_P&E_\
MB:/^$MT7_GZD_P# :7_XF@#;HK$_X2W1?^?J3_P&E_\ B:/^$MT7_GZD_P#
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MQ_\ Q5;5% &+_P )CX8_Z&/2/_ V/_XJC_A,?#'_ $,>D?\ @;'_ /%5M44
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M3>++=/&\'A>&V>6Y>W:XDFW82, C*^[893CT8>M %C_A,?#'_0QZ1_X&Q_\
MQ5'_  F/AC_H8](_\#8__BJT;*6ZF68W=HML5F=(P)0^^,'Y7Z#&1SCM5#7=
M<.BSZ3']D\Y=0O4LRXDV^66!(;&#G[IH ;_PF/AC_H8](_\  V/_ .*H_P"$
MQ\,?]#'I'_@;'_\ %5HZA+=064DME:+=W QMA:41AN0#\Q!Q@9/X59H Q?\
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M6%[9Z=:VZ7&H7BRO#%)+Y:$1@%B6VMC[RCH>M #/^$Q\,?\ 0QZ1_P"!L?\
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M\5P>&F(EET&WNFBMI,O))YLH=QSDR>7CGKT-=+HNK>#(3>Z_H][$EF+1#=O
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MO0[EYO.DDL(&>3=DLVP9R?7.:VJ  !@#%% !1110 4444 8J?\CO-_V#8_\
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MC^V-,_Z"-G_W_7_&@"[15+^V-,_Z"-G_ -_U_P :/[8TS_H(V?\ W_7_ !H
MNT52_MC3/^@C9_\ ?]?\:/[8TS_H(V?_ '_7_&@"[15+^V-,_P"@C9_]_P!?
M\:/[8TS_ *"-G_W_ %_QH NT52_MC3/^@C9_]_U_QH_MC3/^@C9_]_U_QH N
MT52_MC3/^@C9_P#?]?\ &C^V-,_Z"-G_ -_U_P : +M%4O[8TS_H(V?_ '_7
M_&C^V-,_Z"-G_P!_U_QH NUB^&/^/"\_["5Y_P"CWJ[_ &QIG_01L_\ O^O^
M-8WAK5=.2QNPU_:J3J-V1F91P9WP>M '3452_MC3/^@C9_\ ?]?\:/[8TS_H
M(V?_ '_7_&@"[15+^V-,_P"@C9_]_P!?\:/[8TS_ *"-G_W_ %_QH NT52_M
MC3/^@C9_]_U_QH_MC3/^@C9_]_U_QH NT52_MC3/^@C9_P#?]?\ &C^V-,_Z
M"-G_ -_U_P : +M%4O[8TS_H(V?_ '_7_&C^V-,_Z"-G_P!_U_QH NT52_MC
M3/\ H(V?_?\ 7_&C^V-,_P"@C9_]_P!?\: +M%4O[8TS_H(V?_?]?\:/[8TS
M_H(V?_?]?\: *2?\CO-_V#8__1CTS4->N8]1O-.TJQ2]O+2T6ZEC>;RAABP1
M =IRS;&] ,#UJLFJZ=_PFDS_ -H6NW^SHQN\Y<9\Q^.M4M4L(I?$JZ[HWBFR
MT^YDMQ:W22*DR3(K$J0-PPPW-@\]>E %\>);N[N;BST[2Q)>VMI%<W,%Q/Y1
MC:0$K%D*V7^4Y[#CDYXHVOCJ35I]'CT?3%G75;"6[A>>X\H(8V161P%8C!?&
M1GD=.]*+"TLM=EU;2_$EG%-<VL=M=BY*S"4QYV2<.N'&2#V.>@J&PT/2=)U#
M19K#7K)+?2K*6T2*0JS2>859G+!QSE >G<_@ +I_CN[N[;1+V;15@LM2NS8,
M_P!JW213@NO"[<,FZ,C=D'_9IDOCV^AM+J^;0D-I9ZK_ &;<%;P;\F18PZ+L
MPWS.."5_&H+?P_:P:-H^G_\ "4:<W]FZFVHB3RQ^\)=WV8\SCF1N?843>'[6
M;1M2T\^*-.'VW51J1D\H?(1(LFS'F<\H!GTS0!I_\)I)9S:S;ZKIRP7.GFVV
M+!.9EF%PQ2, [00=PP1@XZC-5K_QW>Z;I^K7,_A^8_8/)9'#ND4ZR-M^5GC7
MYE)Y7'IS4.J>']-U>\UN:Y\26B+J<%M&ODE5>W>!B\;JQ<Y.YLXQV%%]I<VK
M^&;O2]4\:6$]Q/Y:B=($1$56#9\L2<L2!DYQZ <Y -=/$.J/?G2SI$":IY4E
MR(C>93R0P5&+!,[F)(QCC:>>F8!JXN?$WAI;[03;WMW9W$L;RR@R6I41^9'@
M#!SE><]NE0:Q8Q7FMV6MZ7XHL;#4X(#:S,RK+%/$2&P4W@@AAD$'OWI]Q8V=
MQK6D:@?$UL3I\$\+;F4O*9MNYMP8!2"H( 7 _*@"73?%S:AKEIH][IR6\E[:
MRSB+SP\D.PJ"DJ8&UB'!ZGN/>F?#)0G@&Q51@":Z '_;Q)67H_A^+2[K0YW\
M6Z?-_9-O-;(!"B^:DFTY8^8?GR@);OZ \UN>%H[#PYH,6F2:Y8W7ER2.)598
M_ONSXQN/0L>] %&'QS>&#4;VXT58M/T^ZFM)95NM[M*C*J!4VC(9F SD8JRG
MBS4?,U&%O#UR\MO%'+ \6\13;FVD;W1=I7J>#\O/M5%-!TN30-=TB^\0VDL>
MJW<MV)("L30.[!AC+MG:P!'TJ.YTNXU/P]/I^J>-[.XN6\ORIHX4CC 1U?YX
MP_S[MH#<@8R !DY */B[Q!%X@^'_ (SM7@@\S3(PGF0S>;&^Y%=65L#^]@\=
M1U-=[JFIV^C:+<ZE=;O(M83*X49) '0>YZ5Q5[X<@O[3Q+#-XLL,ZZD:RE8E
M B945"5'F<C"C )X[EJZ75#HVM:!=:3?ZG:-'=0&&5HIE4\C&5R3@]QUH S)
M_&]S8_V@U]HEPD-K9_:UN(EE,38;:R,S1KM89!X!^7)[8J#6/%FIC1+2^TR/
M3I([C5;2UCGBNS)'+%)(@)4A."22IXXP3STJ2PAOK?3WAO/'-G=7"(J6\WDH
M@ # DR*'^=B%QU7@GUJC)X6TC[)?"UUS3;.XN;^WU!1 JB".6$J1^[W\[BOS
M8(SGVY -;6/&,^B7!%WIL:0K<6]N2;G#R^:54O$NWYE4N 2<9P>F.:R^+;ZS
MU?Q2VHP0_8=+D@AA6&0EV:1%*C&WDL9 #SQP.>M4-1\.17[:J/\ A+[%4O[B
MVNB7B1W22$H0-V\9C)CSM &"3SUS9OO#VEZC-KXG\2VXMM82%G5&19(IHU55
MD5]V/X%;&.HZXXH W=&U^[U'5KNPNM*FMA#&DL=RJR&&4'(*AG1<,".1CH0:
MQ+Z\M-'^)FH:G<XC@@\.>?.X'.%F8D^YP/Y5J:%/)9(6UGQ79:E,%"(T:I H
M'J5#'+'CGIZ <YIZEI6DZMK]Y?7>MV+6=WI;:;+:AE#;"Q)8/OZ\_P!V@"W%
MXJGCU+2+;4-.%O'J\;-:R1S>80X3?Y;C:,$KG!!(R"/0F#3_ !E/=ZO!IDVF
M1PW5Q8R7:0_:MSQ%"H,<HV_(V'4\9[_C6MM*LRFE)J7B6SNAI4;I:/$5B?<4
M,8=SO(+!">@ R<^@%+2O#Z:9<:/,?%VG2-IEG-9(! JB1'V$,W[S.[* L>^>
M@/- %_0_'-UJLOAYY]'6VM-=A=K>076]T=4+D,NT#! ."#GCD"M#PUXJ'B4B
M2VAM_L^QC)LN-TMO(& \N6,J-K8)/4_=/L3BZ;H-GIT'A:$>)M/D70 X7Y #
M.&C,?/[SY>&/KS5K2]+TZTU^WUJ[US39K^*T:UDF@586N02IW2_.=Q&WCZGV
M  .THJE_;&F?]!&S_P"_Z_XT?VQIG_01L_\ O^O^- %VBJ7]L:9_T$;/_O\
MK_C1_;&F?]!&S_[_ *_XT 7:*I?VQIG_ $$;/_O^O^-']L:9_P!!&S_[_K_C
M0!=HJE_;&F?]!&S_ ._Z_P"-']L:9_T$;/\ [_K_ (T 7:*I?VQIG_01L_\
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M/^@=:?\ ?A?\*/['TS_H'6G_ 'X7_"KM% %+^Q],_P"@=:?]^%_PH_L?3/\
MH'6G_?A?\*NT4 4O['TS_H'6G_?A?\*/['TS_H'6G_?A?\*NT4 4O['TS_H'
M6G_?A?\ "C^Q],_Z!UI_WX7_  J[10!2_L?3/^@=:?\ ?A?\*/['TS_H'6G_
M 'X7_"KM% %+^Q],_P"@=:?]^%_PH_L?3/\ H'6G_?A?\*NT4 4O['TS_H'6
MG_?A?\*/['TS_H'6G_?A?\*NT4 4O['TS_H'6G_?A?\ "C^Q],_Z!UI_WX7_
M  J[10!2_L?3/^@=:?\ ?A?\*/['TS_H'6G_ 'X7_"KM% %+^Q],_P"@=:?]
M^%_PH_L?3/\ H'6G_?A?\*NT4 4O['TS_H'6G_?A?\*/['TS_H'6G_?A?\*N
MT4 4O['TS_H'6G_?A?\ "C^Q],_Z!UI_WX7_  J[10!2_L?3/^@=:?\ ?A?\
M*/['TS_H'6G_ 'X7_"KM% %+^Q],_P"@=:?]^%_PH_L?3/\ H'6G_?A?\*NT
M4 4O['TS_H'6G_?A?\*/['TS_H'6G_?A?\*NT4 4O['TS_H'6G_?A?\ "C^Q
M],_Z!UI_WX7_  J[10!2_L?3/^@=:?\ ?A?\*/['TS_H'6G_ 'X7_"KM% %+
M^Q],_P"@=:?]^%_PH_L?3/\ H'6G_?A?\*NT4 4O['TS_H'6G_?A?\*/['TS
M_H'6G_?A?\*NT4 4O['TS_H'6G_?A?\ "C^Q],_Z!UI_WX7_  J[10!2_L?3
M/^@=:?\ ?A?\*/['TS_H'6G_ 'X7_"KM% %+^Q],_P"@=:?]^%_PH_L?3/\
MH'6G_?A?\*NT4 4O['TS_H'6G_?A?\*/['TS_H'6G_?A?\*NT4 4O['TS_H'
M6G_?A?\ "C^Q],_Z!UI_WX7_  J[10!2_L?3/^@=:?\ ?A?\*/['TS_H'6G_
M 'X7_"KM% %+^Q],_P"@=:?]^%_PH_L?3/\ H'6G_?A?\*NT4 4O['TS_H'6
MG_?A?\*/['TS_H'6G_?A?\*NT4 4O['TS_H'6G_?A?\ "C^Q],_Z!UI_WX7_
M  J[10!2_L?3/^@=:?\ ?A?\*/['TS_H'6G_ 'X7_"KM% %+^Q],_P"@=:?]
M^%_PH_L?3/\ H'6G_?A?\*NT4 4O['TS_H'6G_?A?\*/['TS_H'6G_?A?\*N
MT4 4O['TS_H'6G_?A?\ "C^Q],_Z!UI_WX7_  J[10!2_L?3/^@=:?\ ?A?\
M*/['TS_H'6G_ 'X7_"KM% %+^Q],_P"@=:?]^%_PH_L?3/\ H'6G_?A?\*NT
M4 4O['TS_H'6G_?A?\*/['TS_H'6G_?A?\*NT4 4O['TS_H'6G_?A?\ "C^Q
M],_Z!UI_WX7_  J[10!2_L?3/^@=:?\ ?A?\*/['TS_H'6G_ 'X7_"KM% %+
M^Q],_P"@=:?]^%_PH_L?3/\ H'6G_?A?\*NT4 4O['TS_H'6G_?A?\*/['TS
M_H'6G_?A?\*NT4 4O['TS_H'6G_?A?\ "C^Q],_Z!UI_WX7_  J[10!2_L?3
M/^@=:?\ ?A?\*/['TS_H'6G_ 'X7_"KM% $4%M!:H4MX8X4)R5C4*,^O%2T4
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 45'/(\4#R1PM,ZC(C4@%O8$D#\S
M6-X:\66'BO1FU'3%E+1L8Y;:3:LL;C^%AG [$'."#0!NT5REUXYAL[/0[R?2
M;Y+76'C2*8F+;"T@R@D._P"7/MGTK9N=7:#6[?2XK&>X>:)IFEC*;(5! ^?+
M C)/& <X/H: -*BN4@\<)<66J7L>B:DUOIES+;7)7RB0T?WR%WY8#KQR?2M^
MWU*"^TB+4[#-U!/")H=F 9%(R,9QCCUH N45Q]C\1+"[T_1]1FTZ_M+#5Y5A
MMKF81E?,8D*K!7)7)! .,>I%=A0 445C6WB*";7-9TV:%K==+AAFDGE9=K+(
M'.1@\ ;#UH V:*;%(DT22QG*.H93Z@]*)&9(V9(S(P&0@(!/YT .HKF;+QI;
MW_@B7Q7%I]XME'#)/Y3;/-*1[MQQNQ_">,UM:5?C5=*M=06&2%+F)9420C<%
M89&<$C.#ZT 7**R=:UU=&N-*B>UDE&H7BVBNK "-F#$$YYZ*>@H\2:XOAS1V
MU%[62X198XV6-@,;W" G/;+#IF@#6HJM%/</J%Q ]FT=O&B-'<%U(E)SN 4<
MC;@=>N>*LT %%%96J:];Z;>VE@L4MUJ%WN,-M#C<57[SDD@*HR.2>^!D\4 :
MM%9=KJ\LNJKIMSIUQ;3&!IQ(2K1L%900&!Z_,."!6I0 4444 %%%% !1110
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ Z#)KS"+3;K2=%T?QIX=B\^=+"%-3
MLHC_ ,?T"J.1_P!-4YP>XR/:O3719$*.H96&"K#(-)%#% FR&)(TSG:B@#]*
M .9TO2['Q%\+]-T^_3=:76E0!\\%1Y:D,#V(."#V(JK\+IY=1\#6.KW=PUU?
MWBD3W#$$MY;%%'X!<_4L>I-=@8HVB\IHT,>,;"HQCTQ38K:"!&2*".-&ZJB
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MH :!7/[N:Y CR#V)"9(!]2>U=^+&T$1B%K (R<E/+&"?7%#V%G+;_9Y+2!X
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MY,HP@R8W^4!7QT )!YYXJ>[\)3ZGK4M[J-[#+!<:3)IEQ#' 4+!VRS*=QQZ
M8/UI-*T#Q+9Z6]E=^)(;CR8##9S+9[6!QA7E^<[R!V&T'DGG& #5T35VUB)I
MU2V:V*JT-Q:W/G1R@YS@[1@C'(]ZU:Y.P\)W6DOJ]WI-Q9:?>:B824BMB;=&
M0G<^S</F<$@XQT7KC)ZR@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M2_[2\N*[W 8)#Q,=ORN"/?KVJ;3O%VHWNH6%K-I$$)U+36OK,_:RV2NS*/\
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MH!X/3-=510!4M[>\CU"[EFO1+:2!!;V_E!3#@'=\V<MN.#STQ5NBB@ HHHH
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M'_03T?\ \%\O_P >H^S^*/\ H)Z/_P""^7_X]0!MT5B?9_%'_03T?_P7R_\
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MXH_Z">C_ /@OE_\ CU &W16)]G\4?]!/1_\ P7R__'J/L_BC_H)Z/_X+Y?\
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MXH_Z">C_ /@OE_\ CU'V?Q1_T$]'_P#!?+_\>H VZ*Q/L_BC_H)Z/_X+Y?\
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MF_[!L?\ Z,>MJL5/^1WF_P"P;'_Z,>MJ@ HHHH **** "BBB@ HHHH ****
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MDN%PMRH_C3U7_/J!JUX)8:_H^@V?Q"O[Z."[%MKKFQM'(9))3O5!MZ%>2?\
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MC4=)!&-D0^1H^?XMOEN1V+M7<T 8GF^*/^?/1_\ P+E_^-T>;XH_Y\]'_P#
MN7_XW6W10!B>;XH_Y\]'_P# N7_XW1YOBC_GST?_ ,"Y?_C=;=% &)YOBC_G
MST?_ ,"Y?_C='F^*/^?/1_\ P+E_^-UMT4 8GF^*/^?/1_\ P+E_^-T>;XH_
MY\]'_P# N7_XW6W10!B>;XH_Y\]'_P# N7_XW1YOBC_GST?_ ,"Y?_C=;=%
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MX)83Y>Z1I I39\_(.X8SB@"7=XE_Y\-&Z8_X^I.GI_JZ3/B3_H'Z+_X%2?\
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M"Q[8@P4A_OY9<..F2.X%7-4\76NDW$ZSV=V;>VG@@FN JA%>4@+C)!8#<N2
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M;YS#<H'.T@K\P;., GL: )O-\4?\^>C_ /@7+_\ &Z/-\4?\^>C_ /@7+_\
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MR-$F)'>0IMX;C!&23@8YR>X!H^;XH_Y\]'_\"Y?_ (W1YOBC_GST?_P+E_\
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MT4 8GF^*/^?/1_\ P+E_^-T>;XH_Y\]'_P# N7_XW6W10!B>;XH_Y\]'_P#
MN7_XW1YOBC_GST?_ ,"Y?_C=;=% &)YOBC_GST?_ ,"Y?_C='F^*/^?/1_\
MP+E_^-UMT4 8GF^*/^?/1_\ P+E_^-T>;XH_Y\]'_P# N7_XW6W10!B>;XH_
MY\]'_P# N7_XW1YOBC_GST?_ ,"Y?_C=;=% &)YOBC_GST?_ ,"Y?_C='F^*
M/^?/1_\ P+E_^-UMT4 <]X8-TUYXA-ZD*7']I+O6%RR#_1H,8) /3':NAK%T
M/_D+>)/^PDO_ *2V];5 !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %8MU_R.VE?]@Z\_\ 1EM6U7-Z
MSIUIJ?C#2(;V!9HUL+Q@K=COMQG]30 GB31-1U37/#][9_9?*TRZ:XD$TC*S
MY1DP,*?[V?PJ;QAHMUKOAJ?3;#[.DTLT,FZ9BJ_)(KGH#R=N/QJC?67@[3-3
MLM/O;2.">]?R[<O'($D?&=N_[H;T!.34]QHOABUU"VL9=-'GW.?*"PR,IQUR
MPX'XD4 8WB#PAK^LS:M^^TV1+B:VGM)+AG+VXC:-FB "X"DH3N')SR.A&/J<
MAO/$FO&.;P[+"988;NUO;^2T:1HT4Y9 &W#)P">H '('/>_\(EH/_0,A_7_&
MHF\$>&7F69]%M&E7HY7+#\: ,74?#5[XEN;/5GM+;3[U3;S6UXDK)=6JX4R1
M, N)!G>,$X^;I2W7A;Q D?B"+3[VSCCU#48[Z(L[JSC$0>)R!\JD1D97).[M
MWWCX3T$#/]F0_K_C63I%MX-URXO;>PL0\MC)Y5RDD$L9C?T.X#]* ,JZ\$:U
M+8^(+>'^R8EU.[M;J*.-G58O*$65X7_IE@$#G=GCI7H>9/*SM7S-OW=W&?3.
M.GOBN9TO2?"VL0R36>F[HXY&B9I(9(_F4E6 W 9P01D<<5>_X1+0?^@9#^O^
M- '.6'A?Q%9^$M5T$II)_M":Z<W#3R.$69F)^3RQN(#?WAFF77@35$L;?2;2
M\M;G3(M%_LY!>ELPS8(\Y5 ()((')!7'!Z@ZTFF>%8M>M]&?35%Y/ \\8\M]
MI1"H;YNF<L./>M#_ (1+0?\ H&0_K_C0!BZ5X:UJQU6UO9C8/Y.B)II5)7&9
M%;=NY3[O;U[X[5C#X;W]UI_ARROI+0)I&FR6@G@G<2+*3&4EC.S@J8@?Q_/?
MDLO"2WLUG%IIN9[? G6V@DE$1(SABN0#C!V]<$<5:T[1/"VK62WEE8Q20,SH
M&*LIRK%6&#@C!4C\* &PW/BJT30[>\32[B=W,>H-$TF74 ?O(QM 7N6!XZ <
MD5I:W9WEY'9K9K 3%=1S/YTA3Y5;.!A3S4/_  B6@_\ 0,A_7_&C_A$M!_Z!
MD/Z_XT 4=6\'17OBS3/$5I-]FN[=P+M1]VZB .T,/[RDY!],CZ6-5L]>U&PO
MK(KIWDSW"HF)74FU^7>&^4_.1O7C@ @]JF_X1+0?^@9#^O\ C1_PB6@_] R'
M]?\ &@#(U_P=YEUHVH>'+/3+'4-/NQ,9"OE!XBI5XSL4Y# _ABNEMCJ1O[K[
M4MH+/;']F\HL9,X._?D8QG&,=NM4?^$2T'_H&0_K_C1_PB6@_P#0,A_7_&@#
M:HKF[70O#ET+@_V3Y(@G,!,\;1[B,<KG[RG/!'!JU_PB6@_] R']?\: -JBN
M?NO#?AVSMI+B72U*1C<PBC>1L>RKDG\!52PL/!^JZ''K-A:PW-A(A=9(E=B0
M.OR]<CTQF@#JZ*YVQ\/^&M1L8;RVTU#!,@>,NCH2I&0<'!%6/^$2T'_H&0_K
M_C0!M45B_P#"):#_ - R']?\:/\ A$M!_P"@9#^O^- &U16+_P (EH/_ $#(
M?U_QH_X1+0?^@9#^O^- &U17):58^$-:GO(;&P#O93&"X#P2($D !*Y8#)P0
M>/6M/_A$M!_Z!D/Z_P"- &U16+_PB6@_] R']?\ &C_A$M!_Z!D/Z_XT ;5%
M8O\ PB6@_P#0,A_7_&C_ (1+0?\ H&0_K_C0!M45B_\ "):#_P! R']?\:/^
M$2T'_H&0_K_C0!M5B^&/^/"\_P"PE>?^CWH_X1+0?^@9#^O^-9'ASPOHDMC=
MM)IT3$:A=*,YZ"9P!U]* -6WT5[E-;MM7MK66SU&<OY2N7RAB1,-E1@_)GCU
M]JYV/P%J-AX92PT_5@]]8ZD+[3Y[H%@55=BQRXY(V$H2/8^U3+)X):[O;5-.
MG>:Q8)<K'I]P_E$C(!(4]B#]*U-.T3PIJ]C'>Z?;6ES;2#Y)8F)!]>_4>E !
M=:+J>O\ A74=.UV2TCN+N(HBV98QP,!E6#, 2P;#9P.@&.,FG8>"YK;Q#I^K
M2WJO)]F(U)0N!=7 ;<CX]%+RX]/D':IM7TSPKHEO#/>Z<H2:>.W0I&[?.[!5
MSCH,D<FM#_A$M!_Z!D/Z_P"- &U7-:/HFHV/C/Q!K$_V4VNIK;B-8Y&+IY2E
M>05 YSZ\>]6_^$2T'_H&0_K_ (T?\(EH/_0,A_7_ !H SWT#5+'Q%K>H:8]I
M+#K$4?FI<NRF&5$V!EPIW*5QD<<KUYX@T/PA<:!KNF26SP2:=8Z.--!>1A*S
M!PV_&W')'3/?\*U_^$2T'_H&0_K_ (T?\(EH/_0,A_7_ !H Y?2_!6MZ-K4F
MM6,M@EY<:A/+=QF9_+N+:1V<(WR<.A/RMCN>QQ7H0SCGK6+_ ,(EH/\ T#(?
MU_QH_P"$2T'_ *!D/Z_XT ;5%8O_  B6@_\ 0,A_7_&C_A$M!_Z!D/Z_XT ;
M5%8O_"):#_T#(?U_QH_X1+0?^@9#^O\ C0 )_P CO-_V#8__ $8]33V=Z_B:
MSOD6#[)#;30OF0AR7:)L@;<8'E^O?VK"3POHG_"8S1?V=%Y8T]&V\]?,<9ZT
MNH6W@_3-4MM-N=/;[9<HSPQQVTTF\+C=@J".,C/UH 6#P2=-\1ZIJ>D7IM(K
M^TE408RL%RY7,J#ISM!(]5]^*.C^#M9MM6L[V\?34(TJ33[HPM([R.S*?-W,
M!N)*\YZ>IK7L-%\,:EYP@TPJT+A)%F@DB8$@$<. 2,'J.*MMX5\/J5#:= "Q
MPH)/)QG Y] ?RH P++PIK<&E>#[.9]/9M!F0R,DC@2(L+1#&5ZG=N[ =.>M(
MG@B^'AV[\*O+;/HLUZ9TGWMYR1--YS1[-N"<Y ;=T.<<8/0GPGH(&?[,A_7_
M !K/TC2_"NN6TUQ9:<ICBGDMW\R-D(=&VL,'GJ* ,W5/!^KW^G>+[6-[%3K=
MQ'+"S2O^["I&GS?)U_=YX]?:F>(/"'B#6I=6S-ILBW,MM-:/.[EK81M&S1#"
MX"DH3N')SR.F+ZVOA-YM7ABTIY9M)4-<QI Y8Y4L @ZN2!QCKFM2+PMH$T*2
M#2XU#J& <,I&?4$\&@"+3-'U"U\8:OJ]P;8P7UM;0J(W;<&BWY)!&,'S/7C'
MO4MYH\FJ>(8YM0M;*XTR" K#'(2[>:Q&YRA7;T& <Y&6]>*-AIGA74M0U"RM
M]-7S]/D6.X#QNF&90PQGJ,$'/2M#_A$M!_Z!D/Z_XT 8UGX7U/1O$&OSZ.FF
MV^F:G ICMR6 CN50J'V!-NUOEW#/;/M4%GX*N+!-4%E9Z;#:7RPA](:5Y+1F
M#DRL 4^3<IV@!<9 -:>KZ/X7T32;K4[W35%M;1F24QH[D*!DG YJPGAGP]):
MK<+I<91DW@ ,21C/3/6@#GK3P%?:8UA=Z=<1)+IVH27%G92SN\,<$D8C>$.1
MN'=@<$ G&#UJ74O!.HW<MWK-K=6UOKLFHP7\*MN>!?*B\I8V. 2"I?) !RW
MXK:L?#OA^_L8+M-(\I9D#A)XV1U!&<,IY!]JG_X1+0?^@9#^O^- &7J^B^(=
M;T2WBNI-.6\6_M[IHXW<11I%(K[0Q4EB=O4@=>G'.=JGA#Q!J%_<3F?39BNK
M6]_:S3LYD2*-T;R,!<*HVDY!.<\@$YKI?^$2T'_H&0_K_C1_PB6@_P#0,A_7
M_&@##O?">KRVOC*SAFL3#KJL8G=G5HW:!(CN !&!MR,9SG'%6+3P]JVE:_\
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M_P : -JBL7_A$M!_Z!D/Z_XU6U#P_P"'M.L9+N31S*L>,I;Q/(YR0.%')ZT
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MBB@ HHHH **** "BBB@ K%NO^1VTK_L'7G_HRVK:K%NO^1VTK_L'7G_HRVH
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M8K%4CL9#+:H';$+'.2HSQU/YGUH X#4[J_O]#NDNM2NI#;^,(+9'#!#Y8GB
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M5,ET=UP3(Y\XXQ\XS\W''-6;K0]*O=';2+C3K9].*A/LOE@1@#H !TQVQTH
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MBDOKA[B>*YN;<S.!N=8YW12<<9VJ,U?@\-:1;-8M#9B,V"-':[78>2IZJO/
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MJ?@VUGOKAI[@2W$#3-@,XCF>,$X[X49]ZTSH6F&ZM+D6B)+:1&&W:,E/*0@
MJH!  X'Y#TJ;3=+LM(M/LMA ((-S.(U)(!8Y)Y]22?J30!YIJ/B#5](AOK22
M^NY[W1=3^U76",S:8<,6/&.%;;Q@Y0^];>N:E?QZ%#K%EJ4Z17FLVJPJI4J;
M=IDCP"1]UQE\CGY@.E=C)IME+/<326L32W,(@F8KS)&-V%/M\[?G45WHNG7U
MC!97%JCVT#(T462 A3[I&#VP,>F* /.=;A80?%5FNKAPEF J/)E0&M-V /8D
MXKH-#GOK/QI;:;)J-Q<VMSHHNS'-MQ'(LBK\F ,##=.>@K?NO#.BWL]W/<Z?
M#)+>1"&X<YS*@&,-Z\<?3BIH=$TZ"_BOH[?%U##]G24NQ*Q]=G)Z9 ./4"@#
MG=9A=_BEX<_TJX1#8WC&-9,*2K0XX]]QS7,Z%/?:9I.AWMMJ-PL=QXDN;.2U
M^7RFC>XGSD8SG(!!S7I5[H^G:C=6MS>6D<T]H6:"1A\T9.,X/X#\AZ557PMH
MJ6\%NMBHA@N#=1()&PDN2=XY^]DDY]2?6@#E]-U#6]=\O5;;4;>U%MJ\EO<P
MR3DKY2RM'Y)CV8#D;2&W9R1V.!T/B:[:%]*M8KR6*2ZN]GD0+^\N5".Q16R-
M@& Q;/12.IJ=?"N@IKS:XNE6PU)CDW 7DG&-V.F['&>M6M3T;3M9CACU&TCN
M%AD$L6_JCCC((Y'!(_&@#@]&\2ZC<C0]*U"\=/M>IZA:R7 8;V6!G$<>_ Y.
M!\V 3L]36I]LO+77M(\,7&M27*W)NY7N541RLL90I!N'<+)DL,$[.V36S+X,
M\-S:=-I[Z-:?999_M#1A,#S,YW CD'D],=34EUX4T&\TVUT^?2[=K6T??!&%
MV^6WJI'()R<^N>: .+MM9U6,6@.IW$FWQ9)II9RIWVX#81N.?NCGK[\FEU?7
M-6@\/^-I;?4YTDT[5(XK9QM)2,I"2F2#QEV]_>MS0O!\::7JFG:S86K6L^J2
M7MO'$Y(C4L"F" "K+CM^=:Q\(^'S:W=M_95N(;ME>X100)2H 7=CKC _*@#
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M** ,70_^0MXD_P"PDO\ Z2V];58NA_\ (6\2?]A)?_26WK:H **** "BBB@
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M5< ':=\O.#Q5/PYKNNRR>"KF]U5KE-<LI&N(&@C1%=8A('4JH8'J#DD<\ 4
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M\ .W'(.#6CJ&HZQH]U9:5)JD5S+J.I-%#.P2-XHO*:148[2N\LI .WD'UYH
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M!Y!;_:JK>>+M6BT32=6NWNK73KS2(+B6]LH4E6UN'!+-,A!;RL8P5Z8;/8@
MZB'P_HL\LT4<^I&2$@2(=4N@5STX,G0]CT-3?\(IIG_/34__  :7/_QRLO6+
MIK7XC^%6MFRFHV]W;S[>CHJ+(A_ @X_WSZUU] &)_P (IIG_ #TU/_P:7/\
M\<H_X133/^>FI_\ @TN?_CE;=% &)_PBFF?\]-3_ /!I<_\ QRC_ (133/\
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MJ!N'- %2PU2VTS3[>QM-$UA+:W01Q(8&;:H& ,LQ/ JQ_P )%_U!]7_\!?\
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MO/$,_DS0[M27]W,NUA_HT Y%=#6+H?\ R%O$G_827_TEMZVJ "BBB@ HHHH
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M(H_LC5O^AEO/_ :#_P"(H VJ*Q?[(U;_ *&6\_\  :#_ .(H_LC5O^AEO/\
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MM1E=F^\&\M,N=R@Y.[@=,=3C4_LC5O\ H9;S_P !H/\ XBC^R-6_Z&6\_P#
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M7AC4--TIF;2]'G$D<\1B68O %2#) W MSD9 QUY%=/J7AF_U73;G3[GQ+?\
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MC^R-6_Z&6\_\!H/_ (B@#:HK%_LC5O\ H9;S_P !H/\ XBC^R-6_Z&6\_P#
M:#_XB@#:HK%_LC5O^AEO/_ :#_XBC^R-6_Z&6\_\!H/_ (B@#:HK%_LC5O\
MH9;S_P !H/\ XBC^R-6_Z&6\_P# :#_XB@#:HK%_LC5O^AEO/_ :#_XBC^R-
M6_Z&6\_\!H/_ (B@ T/_ )"WB3_L)+_Z2V];59VDZ4VF"\:2\ENYKN?SY))5
M53G8B  * ,805HT %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M:V^J>%+JTTEX8X+JTDBMWA "#<I 9<<8R<Y%<]X"U[3;+P=IND:A<PV&IZ=
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M+=+(3(T>. 1&%+8]:T=2U'2=2\5>(S;:Q%;VMUH5N!>P8=,F:52_HX&5#<]
M1GB@#TF_FNH+)Y+&U2ZN 5VQ/+Y8(+ $[L'&!D].<8JS7CNK7(_X0;Q!!?6F
MG6]Q;WUF3=:>^+:Y8O'\R#^%M@^9>?7O4_B*UT>]U;XB-<?9Y6BTB":'<^0L
MHCF(=1G[P.W!'(S[\@'K=%>17M_I>HWOV+Q3J;6UK?:1;'3[AD5U=BK>;Y;E
M3ME#%3QR?E]!5K4F.GZS#<))#JZ1/817%E?874(7&PI)$P^]DD%EP 2'P>M
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MX?L=)$PG%I"L*R[-I95&!D9/.*AF\/Z18W%KJ4$,5@+ O*_V=?+1U\ME(<#
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M%S&(V41$D%64'<,\DYXZ5:U#PAJ%]%IUY_;[IKMC,\T=[]F!C(=0KQ^5G[A
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M<W=_!:2!IMK1K(VW>!@Y_2M*">Y-S>BZCMXX(G'DNDNYF3:"2X(&TYSW/ H
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MT=-\8:1J5E&\,^+QE&[3R,7*/W0QGY@0>Y&.^<<UOT4 >6ZF$GM?'-AK$?\
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MVTRW>:+5)(K4-Y,^,1M(I0Y ^8$X.-PZ<5I?V5H4.I^#HK02W&GR:A=NC7B
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
G %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>ex97-ibcrpolicy2023x11x1001.jpg
<TEXT>
begin 644 ex97-ibcrpolicy2023x11x1001.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MN=V>=S# R&(Z$YH ]'HKP'0CXT^,U_?ZI'XCNO#^@V\QB@BM2P+'&<':R[B
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M7A']I:WUC5G$&G:C  EP_"+F+R^3VPRC/H#FO0/&_P 4-#\&6%M.9(]1GN)
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MR0R64TDT\I!>5MF.<= .P_\ KFO./AU\-_ WB/P7::GK>JR6]_(\@>,7L<8
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M6ROUNO[/GN-K;EAGG9HP?<=Q['->@SV=M<V;V<]O%+;2)Y;PN@*,N,8(Z8H
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M6K:;>Z=>16NH6L\GV>0[(IE8XVGG -<KJ?P7\%ZOJMWJ5Y97+7-U*TTK+<N
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MC$(K6VC$<:#L!_,^]6Z** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M"C=VL?E6\^9-\28(VJW51@G@>M>I44 >7:G9?$?6HHX]5\+^"[Y(VW(MR9)
MI]1G.*DOH?B9JED;._\ #G@ZZM3@F&=Y'0XZ<'CBO3:* /-K=OBE:6D=I;Z#
MX1AMHTV)#'+*J*OH . *H+HOCQ-*;2U\'>!1I[OYC6H5_*+<?,5Z9X'/M7K%
M% 'C?_"'^*_^A ^'G_?@_P"%:=U9?$:^TV/3;OPOX*GL8PH2VE,C1J%&%PIX
M&!TKU&B@#S*2+XFRZ;_9LGASP<]CY8B^S,\ACV 8"[>F.!Q6SX.A\86,Z6.J
MZ-X=T[1XXV\M-++@JY.<!3P <L3[UVE% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%8>O\ B0Z 4)T75K]"A=I+&%76,#^]EAB@#<HKC++X
MCV=YHT^L?V%KL&FQ6;WGVF:W0(Z*,X4ASDD=*Z^WF6YMHIT!"2H'7/7!&: )
M**J:=??VC9+<_9;FUW,Z^5=1['&UBN2/0XR/4$5;H ***S$URUD\33:"%E^U
MPVB7;,5&S8S,H .<YRI[4 :=%%% !1110 452O\ 5;/3);**ZD*/>W MH %)
MW2%2V..G"DY/I3K*^^VO=+]EN8/L\YAS/'M$N #O3U4YQGU!H MT444 %%8_
MB3Q';>&-.BO+JWNK@2W$=M'%:H&=W<X4 $@=?>J&F^-[2^UB#2KK2]6TJ[N5
M8VZZA;!!-M&6"LK$$@<X]* .GHHHH **** "BLZSUJVO=;U+28EE%QIPB,Q8
M#:?,4E=ISSP#G@5HT %%9&O^(['P[# UT)YI[F3RK:UMHS)-.^,D*H]!R2<
M=S5+2?&5MJ.KKI-WINHZ3J$D9EA@OXE7SE'WBC*S*2,C(SD>E '24444 %%%
M% !1110 4444 %%17-Q%:6LUS.^R&%&DD;&<*!DG\JHVNMPWITQK:WNI;?4+
M<W,=PL7[M%PI <_PDAN!['TH TZ*** "BBB@ HKC+;XBQ7T4DUCX9\175NDK
MQ>=#;1LK%&*MC]YD\@]JZ+0];L?$6D0ZGI\C/;RY&'4JRL"0RL#R""""* -&
MBBB@ HHHH **** "BBB@ HHJEJ>JV>CV\4][(8TEGCMTPI.7D8*HX]R* +M%
M%% !17.W'C/3;;3YK]HKE[2._73UE15(DD+A"5YY4.2I/JIQGO5OO'D%KKM_
MI%OH6MZA/8&,3O96Z.B[T#KR7!Z'T[4 =916!;>,]$N/#,_B![EK>QMRR7'G
MQE)(74[2C)U#9XQWR,9S6?'\0+59[8:CHNM:7:W4BQ0WE[;JD19ONAL,63)Z
M;@* .OHKE;WQS#;:]?Z/;:%K6H7%CY?GO9PQLB[UW+R7!Z>W:I[#QG9:EI^J
M7$%EJ"76EC-U830[+A/EW#Y2<'(!(P><4 ='14-I=P7]E!>6LJRV\\:R12+T
M92,@C\*FH **Y*Z\>P0ZUJ&EVV@:YJ$M@ZQSR6=NCH&90X&2X/0CM6OX?\16
M/B2QDNK+SD,,K03P3QF.6&1>J.IZ'D?G0!K450UK5K?0=$O=6NUD:WM(6FD$
M8!8J!DX!(Y_&G6NI"ZO9;9;6Z18XHY1/)'B.3?GA6SR1CD=LB@"[1110 445
M5U+4;;2=-N=0O)/+MK>,R2-Z #MZGVH M45E1:_:/=Q64JRPWTEE]N:VD7YH
MXP0#N(XSDXP#V-3:)J]OK^B66K6BR+;W<2RQB4 , >F0">?QH OT55LK[[:]
MTOV6Y@^SSF',\>T2X .]/53G /J#5J@ HHK%O_%&G:=JRZ;,[?:6,  !4<RN
MR)U(_NL?P[D@$ VJ*XX_$*![Z_MK/P[X@OA8W+VLTUK;(Z>8O4 [P3U';O6_
MH6NV/B/2H]1T]W:%F9&61"CQNIPRLIY!!'2@#2HK.U[6K;P]H\VJ7BRM!$R*
MPB +?.ZH, D=V%36U]]HO;RV^RW,7V9E7S98]L<NY0V4/\0&<'WH MT453U7
M4$TG2;O49(9IH[6)I6C@4,[!1DA02!G\: +E%<Y'XRL7MY+B6TO;>"*_2QE>
M9%4(SJK(Y^8_(?,09]6Z8YKHZ "BBL[6]:MM!L4O+M96C>>*W C )W2.$7J1
MQEAF@#1HHHH **** "BL/5O%%MHL&H3WEG?+!9&!3*(ALE,K!1Y9)&[!(W=,
M9[UN4 %%%% !1110 4444 %%-DD6*-Y'.$0%F/H!5;3-2MM8TNUU*R<O:W4:
MRQ,5(W*1D'!Y% %NBJFHWW]GVHG^RW-SF1$\NVCWO\S!=V/09R3V -6Z "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "J>K?\ (&OO^O>3_P!!-7*;)&DL3QR*&1P58'N#UH \
MTA_Y-N/_ &+K?^BC1!HUOX<U_P #W&GS78FU!G@O7DN7?[2OV=GRP8D9#*",
M8Q]*[\:-IPT3^QA:1#3?)^S_ &;'R>7C&WZ8I\FF64TEE));1L]DQ:V)'^J.
MTKD?\!)% 'D=G;W^L^%_#D<<L&HR+=:B\FDW5\]N;U1.X#!QG)3T/'S>PKNO
MA[=P3:)=VD4.H6\EC>R6\UK?3B9K=^&\M)!G<@##&236E<^$/#]WIT.GSZ5
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M/MH+#:5-ND0$9!ZY7H<]_6LO3? ?A;2-02^L=$M(;F,DQN%)\O/]P$X7\,4
M<G!9^(;KXD^-FT'5[2P9?L6Y;BS\X2-Y''.X;1U['K5_X9G[0^NWNI3S/XF>
MX2#5HY551$8U(C"!>/+VDD'ODUVL&G6=M?7=[#;HES=[//D YDVC"Y^@XJG>
MZ2L4E_J>E6MLFMW%OY*SR94,1]S?C.0#[9[4 8OPS8CPD]N.8+;4+R"W/_3)
M9W"X]AT_"NPK-T#1H/#^@V6E6[%TMHPI=NKMU9C[EB2?K6E0!YCI<?B:3Q]X
MU_L&ZTF&+[9!YGVZ"21BWV=.FUUXJ/4M!N=$&E:=?ZK+)_PD6N&35KN#-N')
MB8K"N#E5)15ZY///->D6VG6=I=7=U;VZ1SW;A[AU',C!0H)_  4FI:98ZQ8R
M6.HVL5U;28W12KD''0_4>M 'D_BZVBT'_A+="TN24:9)X;>[EMFE:18)M^T%
M=Q.W<N>.^W-3>(M6U#39/%\MG=S0M'I.F!75C^Y5Y'5W7T(4DY]O:O0[7PCH
M%EIMWI]OI<"6UX-MRI!)F&,89CR>/4U<&CZ=YUS,;*$O=0K!.67/F1KD!6!X
M(&X\>] '(7?@_0;:<:7I^JWEE<ZI83PK MS)(+C !$QR3AD)!W C.<<U1\+:
MU>>+];T.*=Y$;0[-Y-40,0#>$M"$8>VR5\>ZUUMEX5TKP_%=7'A_2K2&_>$I
M&SE@#CE4+<E4SC@?E4?A'P_/HEM?W-_]F.IZG=O=W9M@?+5C@!5) )  ')ZD
MD]Z .BKC_B&Q:QT*V;_CWN=<LXIQV9-^[!]BRJ*["LGQ+HJ^(-!N=/\ -\F5
MMLD$V,F*5&#(_P"# &@#DM1TJSD^,373QL9AH#S ^8P&\2A <9QT[=._6N7T
M;1K?1_A]X)U^TFNUU.2\L8WF-RY#122!6CVYV[-IQC':O5'T*RU.;3]2U;3K
M9]4M8^)$)/EL1\P5N"5SGJ/PJ8:%I8TVTTX6,7V.T:-[>''RQLARA'T(H \S
MNH[[5(=:LX;Z$R?\)7(JV-U=/"MZBP(3 '7D?WL=/EYKIOA]/%%/K6D_8;_3
M;JTEC>:PN+L7,4 =/E\EQSM.TG!Z'L,UT-UX7T2]M+FUN=,MY8;FX^U2JR_>
MFP!OSU#8 Y%3:1H6F:#;O!I=E%;)(V^39R7;U9CR3]30!H53GTC3;JZ%U<:=
M:37 V$2R0JSC8=R<D9^4DD>A/%7*#TXH \M\+0^*Y-0\6?V'>:/!:_V_=!OM
MEM)))OPF2"KJ,8QQ]:6X\._V3J7AGPQ>ZC//::K=WM[J4R,8/M=Q@.$.T\*2
MS':#SLKH+/3?%^GFX-I%X9A^TS-<3;4G^>1L98\]3@5'JNB^*M<L_LFIVWA>
MZ@W!PLD<_P K#HP.<@^XYH XWQ.@TNT\8Z#8S2OI5LFFSI$\K2"VE>X&Y%+$
MD A5;&>,\=:N^(=1O8-3\7P1WL]O;S:OI=K-.DA4V\$B1B0J?X<YQGWK:@\)
MZ[:Z3+I<.G>%$LIG$DL7ES_O'!!#,<Y8Y Y)[59DT/Q/-]O\VS\*R#4,"[#Q
M3,)L+M&X$\X  H I:OX2TVV74M(T#4[NSU*XTXW$%BMP[KYD;@I-EB2IW84\
MC()R#2^&M63Q_P"(%U-EW:98Z:D4EN_*-=3@-(K#H=BA5Y_OFGZ9X:\3>'8Y
MWT73_"L,TH 8G[1E\= 7))P.PZ"K?@KP]XC\-H;:[;16MKBYFN[IK9)!(TDA
M+?+GC .T=.@H T_&=G:GP%XBB,4<<;V-Q(Y50/FV$[OKD YK0\/7$]WX:TJY
MN<_:);.&27/7<4!/ZU7\4Z1<:_H_]DQND=M=2*EXQ)#>1G+JONV-OL&)[8K9
M551 J@*JC  Z 4 0WDDL-C<2P)OF2-F1/[S <#\Z\9N-)T^?X<>'/$<E]<2Z
MO>WUC)<3O=.?M$C3(7C*D[<*<X '&SZU[;7/'P-X7-\]Z=$M/M#2";=MX#A@
MVX#H&R 20,GO0!YY<1:GXAUKQ9<7.G?:FL+R2W@G;67M#8QJ@*LJ!2!G._<>
MOT%3W-KJ^NG1)[@67B.5-'C:XTV+4VMVW,Q_TF,C"MN QDXQCCK7H.J>#O#N
MM7OVS4=)M[BX*A6=@07 Z!\?> ]#FEU#PSX=\0QVL]U86URL4>VWEC.W$9[*
MRD?+[=* .!TJYM?%5]X6TB>YU-M&;3[J3RKRX(EN;B*58]DC(1OV#<>O/!.:
M74M,TZ75M \.V6LW]QI_]L74%Q$+EP8@+<N;?>,,5'U)&XC/IZ!=^%=!O=+M
MM-GTJV-G:X-O$J;?)/JA&"OX5):>&]&L8[&.UTZWA6Q=I+8(N/+9@0S#W()R
M3US0!Y5XMMX[.P\<Z9'<306-K'HT<1:5F\E?,&6!8GGC.3Z5N:I;CP;XHL%\
M-M.S7>FWLMS;/</,)#%&&CE(8GYB_P N>^ZNZN_#VD7QO3=:?!-]M\O[3O7/
MF^6<IN]<&H](\+Z)H,TLVEZ;!;2R@*[H,G:.B@GHOL.* /*-(AU=-%\.Z_##
M#;WMS/;O)JL^N,_VS>1OC:(K@[LD!!]T@8Z58UB.73[S6-?O8I]3L(=0:3^V
M=+U0I<6*JX'DF%OE(7[I SD'IFO2+7P5X:LM474K;1K6.Z5S(CJO".>K*OW5
M/N #1<>"_#=WJC:E/H]M)=.XD=BIP[CHS+]UC[D9H W58,H8=",BLWQ'=W-A
MX8U:\LEW75O9S2PC&<NJ$KQ]0*TZ.M 'F^DZ5H^EZ/X<UZ'5;P:I=HA$IN7D
M.I2O$6,;@D@@GGH-N."*Y#31K=QX0L/%"0PPZG++',VLW&ML-[F0 QM%MV[3
MRFSM]17K>G^#O#NE:E_:%CI%M!=#=M=%^YN^]M'1<]\ 4U?!7AI-6&J+HUJ+
ML2^<'V\"3^_M^[N_VL9H XVQ\/66NZSXTO=3>ZN&M+Z2*VC^U2*D0-NA;"JP
M'.[OZ"LG2;>R'@WP1H]O9ZA?W%Y9&\;3X;SR89L(@9Y7)S@$C"KQD].*]=MM
M.L[.2Z>WMTC:[D\V<@?ZQ\!<G\ !^%8O_"!>%A9Q6BZ+;I#%*TT2IN4QNP 8
MJ0<@$ 9 XXH \TANKRTT#Q)8!FM8[/Q!81Q6\5Z]PMN&>$NBR$ D9)R.@)(K
M4DT.WUBV^(&H7MQ>O/8WEP+(K=2(+8K CAD"L #DC\A7H,/A+P_;6\MO!I-K
M%#*\4DD:)M5FC(*,0.X('-7$TC3XXKZ)+2,)?NSW2@?ZUF4*2?J !^% $'AJ
MZFO?"NCW=PY>>>RADD<_Q,R D_F:U*BMK>&SM8;:WC6."%%CC1>BJ!@ ?A4M
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M,$@-CMTK4O\ PMXFUVX\27M]#86LFIZ&=.MK>.X:3RVRY&]MHS]_.0/;G&:
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M..?K4,7A74$TWP+;EH-^AF+[7\YP=MLT1V\<_,1Z<4 4#\3;I=+76#X8N3I
MNS9R3K<H9-_F&,%(\?,I; R2.3T.,U>D\=W5@-:BU?0FL[O3=..I)$ETLHGA
M&X?> &ULKC&#]355?!FJ#X=PZ#NM_MB:F+LG>=FS[9YW7'7;[=:N^(?"-WK>
MN:O.LL45M?: ^F*Q)++(SL<D8Z88=Z -:Z\2):W?A^ VS,=9D**=_P#JL1-)
MSQS]W%<U'\2KM])37&\-3)HBW/V>:Z-TF]#YOE;ECQEE#8!Y!Z\'&:6VT7Q9
M?ZOX6GU.TTVTMM%D;S?)NFE:<F%H]ZY0;1DC@Y/)YXY4^#-4_P"%42>&=UO]
MO:=I =YV8-T9>N,_=]NM %#Q?XCOM.M/&+:,MT+RTN[&*61[KY$61(^8U(^7
M((4@=V+5UMCXI#ZKJ.FZI:#3[BQM(KQB9@ZM$P.Y@<#A65E/X'O6#KO@S5-1
MB\9BW>V#ZO+:36F]R!F%8\A^.,E"._6LSQW9S:WJ7ARS2>WM-;U -8:C:03>
M8PLW >7G .!Y?!('WO>@#T#P_JK:YH%EJK6KVOVN(3+"[995/*Y^HP?;->00
M:KX?-UXEDU_Q#XF@O8-6NTB%E/=[8XU<[0NP%!CT/XU[?'&D4:1QJ%1 %50,
M  =!7 :3IOC;P]-K$%AIFC7-O>:G<7D4T]\Z$"1L@,HC/0>] %G0?$.N)X&\
M.RM8/K6K7T6&DAE58E !.^24 JO  XSEL@4V3XC?8]%UN[O]'DCO=&N((;BU
MAN%E#>:RA2C@#/#=" >,5D/\/=5L]$T&S*VNKP6L]S/J&G-.UO#.\IW*5X/R
MH2<*PP<YID?P]U<:9XEMX[32;$:G<6,UO;6;$10B%U+J?E&3A<YQR2>E '46
MGC&YBUIM-U[1FTDM9R7L,OVE9E:.,C>&V@;6&X''(]Z9I?C+4K\Z==R^&;J#
M2-1(\B[682.BD%E>6,#Y%('7)QD9Q4VO^&)M;\36ETS(MB-,O+*?YOGS-L (
M&/13^E4=)TWQC%9:5H=R-/MK"Q"17%]#*9'NX47:$$;)\A;C<=W'.* &#XB3
M_P!F+K[:!,OAEI HU W"^8(RVT2F'&=F??..<5:_X36]FU_5=/L] DGM=*DV
MW=X;I4508A("JD98\D$=N#WK$/A/Q0_@]? SII_]E@"W.J"=O,-L&SCRMO\
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M''WMI''KWHU3P9JEY>ZY-$UOMO=8L+V+<YSY<(B#YXX/R' ^E %RT\0M;?\
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M-A>'5CDX/8&LGQIX/;6M:TS6H=,T[56M(Y()K#4.$E1B"&5BK!74CN.03TH
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MN.2N!@DT =^K*ZAE8,K#((.012US/PZEGG^''AV2Y),IL(N3U(V@ _EBNFH
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ME?E"84#G/0YJ.^O+=5\3VMS%=70OO$L%M#;QS^0)F,$3!)'(^5#M.[C)Z=Z
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M&C8.3P3EL?[1ZYJIXE;1Y?BEJ4.N6FL7L":=;-#'IZW+;&+2;B1">,X'7TH
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M_P!2TSP!J5UI3B.=0@,OFF-D4L 2I //(';@GGB@#K(HHX(4AA18XHU"HBC
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M>IY]ZO>'_$$.C?\ "9W.D-?IIFG:>MQ!IVJ/)YRS!7+,JR$NL9^4<]\XH ]
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M -GFQMC98V_9O*7R\>FW&,4 >*ZJ+&3P5XRT^?1=*M[BRFL[B:33I?-LV=F
MW1J0!&P4$, ,X/)YK>U8Z+?>++NUL-,\.-#I^GP@W&KR@V\<+;F'D1 ;<?WF
M!'85Z5!I.FVM@UC;Z?:0V;@AK>.%5C;/7*@8J)_#^BRFW,FD6#FV 6 M;(?*
M'HO'R_A0!XQH?]DWNA_#9-<>"2P^UZB@$W$1PSB-2&_AX4 'V%7=82TAM_&$
M&C")=$34=*\M+?'DK<&=/-"8X''EY [UZ])H^F31>5+IUH\>7.QH%(RWWN,=
M^_K3H]+T^&Q6QBL+5+12"L"PJ(P0<@A<8Z\_6@#RC6;>UN[KQ7#=:A;V6[Q%
M:&(W<)EMY9!;QE8Y@/X#ZD@9Q6=JCPCPCXUTDZ7IUG=*+*2XET>X9K63=*H&
MU<#RWP.1U/!KVJ33K*:.XCEL[=TN3F=6B4B4X ^88^;@#KZ5%!HVEVMBUC;Z
M;9Q6C'<T$<"K&3UR5 QV'Y4 <!KFCVWAOQGI0\,:?!975QH^HIMMHPOG,BQF
M/=C[Q#'J>>:Y/1K2/^PO"][!>^&[6]>ZMV2Z@25[^68D>8DF,LQ;Y@X/ ]@!
M7NK6\+SQSO#&TT8(20J"R@XR >V<#\JJQ:+I4&H/J$6F6<=Z^=URD"B1L]<M
MC- 'D>HV_AVX\(>/+CQ +3^WDNKQ?,GQYZ8S]G$9/S!2NS '!R?>O0;S_DE5
MQ_V!&_\ 1%;=SHVEWET+JZTVSGN0A032P*SA3P1DC..3Q5HP1& P&)#"5V&,
MJ-NW&,8Z8QVH \?L;;P[;:)X G\-BT&LR7=L&>WQY\D97_2/,(Y( W9ST('2
MIOL\BZP_PT"-]E?5!?CCY?[.)\XI]/-'E_0UZC;:/IEE=/=6NG6<%PZA6EB@
M578>A(&2*R](\/W=OXBOM=U6]AN[R:(6MN(8/+6"W#%@O))+$G)/L.* ,GXL
MVUK/\.[UKJ&&189[>13*@(3]\@)&>GREAGT)K-L/#WA_6/B9K(FTZPN[*WTJ
MR6UC,:O"JL91E5^[T  (Z#..M>BSP0W,#P7$22PN-KQR*&5AZ$'K4=M86=E_
MQZVD$'R+'^ZC"_*OW5X'09.!VS0!X=:_:9]%\"6<S6#::)+^-4U4L;9I4E98
ME?U(0-M!]*[OX<P?9M1\1Q0WFFO;"XB/V73$<6]O+L^<(6&WGY20IX.<XS79
MR:5ITUB;&6PM7LR23;M"IC))R?EQCJ2:DM+*UT^V6VLK:&V@3[L4,811] .*
M /+KF&RE^*7BS[9XLN=!Q#8[?(NHH?._=OG/F*<XXZ?WJQ(YT3PQJ.G"\^W>
M'(?$L"7FK!O^/N"3#2F5QPV'*JS#@CVKV.ZT+2+ZX-Q=Z58W$Q !DFMT=CCI
MR1FK2VELEK]E2WB6WVE?)" )CTQTQ0!YAJDVAZ#XOEF\/0Q+9IH5W-JT.E$(
M"BA3"?DX$GWP#UQ[5@P1V]GJW@2:VM/#FGM-?1>4FG2&6Z:)HV!\V7"[@<@'
M(.6/6O9['2M.TR%X=/T^UM(G.72WA6-6/N .:BMM T:SS]ETFP@S()3Y5LB_
M..C<#J/6@#R8Z-!%X \::W9V@.K_ -IWZ?:T7,T</V@B0(>H&S><#N2:UVL_
M"-K\1O Y\.)I\<CI<DBRVX>+[.VUGV]3G.">3S7I\-O!;JRPPQQJ[%V"* &8
MG))QW)ZFJEKH>DV,OFV>EV5O)N+[X;=$.XC!.0.N"1GWH Y3QX+67Q)X3M]8
M\LZ%+<S?:5G_ -2\PCS"LF>",[L \$@5Q?BBSTHV?Q MM'M[5]&@TV&8I$BF
M&&]^?)C X5MFW.VO:+JTMKZV>WN[>*X@<8>*5 ZM]0>#446E:=!8&PAL+6.R
M((-ND*B,@]?E Q0 NFV=K8:=!;6=M#;6Z)\D4*!$7/)P!P.235J@# P.E% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %<#X_TZUU?Q3X,TZ^B\ZTGO+@2Q%B P$#$9P0>H!KOJY;Q
M;H&K:KJ.AZCH]S90W6ESR2@7B,R/OC*8PI![GO0!A:CHUIX$\2>'+O0/.M;7
M4;\:=>60F=XI0Z,5?:Q.&4IU'8U#:>++JQT^RMM#T6W-QJ6M7UFL<MR^Q71I
M"9"QR<$KN('09 [5N6GAG6]1U^QU;Q/J5E.-.+/:6=A T<0D8;?,<NQ+$ D
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MA!;Q0ABPC0*"0!G QVX_*N7\<^#G\70Z<L5TML]O.1,Q&?,MW&V6/_@0Q^5
M%'1/'USJ^F: 3IR0ZGJ%_+:7-J7/^CB(,9&SWPJKCW<5SNE:MJD\_P /_P"Q
MK>VL]/N6O"UJUS*02N_=N)R6P,E<]SV%==IG@PZ?\0-2\1&Y5[6X0FWM0O\
MJ9'$8E?_ (%Y2?K6?9^!M5TO3_"HL[VS:[T2:<OYR-Y<J2[@V,<@@-Q[T 8.
MC^(_$.@>'-?U:'3K*XTFPU>]>;S;AA/*GGMN* *5&T'N><'IW];1@Z*Z]&&1
M7&2>"KE_ FO^'_M</G:G/=RI+M.U!-(6 /TS78Q(8X40G)50,T 8'B76M4TV
M>WAL(-/BB=&>6^U*Y\J"/&,( .68Y)[  =:XZ?Q2_BC3/#MRRVZ36WBN.SE:
MTF\V&4HK_,C<94@@UT/B3PG?:EXKM-<M%TN[$-HUM]EU.)GCC);=YJ8SANQX
MY '-4;#P!J-M;PI<:C:RR)XB&LL\<1C4KLP4"\XYZ<GC% &C\/69K#7-S$XU
MV^ R>WFFM_6[Z[T[1Y[JQL?MMR@&R$RB,$D@99CT49R3Z U4\,:'+H5MJ,4L
MR2FZU&XO%* C:LCE@#[C-1>,_#TWB?PZ^G03Q12>=%,%F4M%+L<-Y<@')1L8
M- &%IOCN\;7[G1[UM%NI4T^6]CETN[,BJ4(!20$9!.X$'V/%,L/&^O?V3HFO
M:II%E!I&IO!&1%.S30>;@)(P*[2I8C@'(##KS3#X1U2VU)]<N6TFWA@TNYM?
ML.GP%$4,%(8,?O$E>>!@8]ZI>%/#VO:[X*\*6VIWUB=%@AM;L+%$PGE"!6CB
M;)V@ @9(Y.T=,F@#2/C'Q+/#KU]9:+8O8:-=SP.)+AEEN5BY;8 I ./7J>..
MM8FMZS:3WOBO5O(-Y82>&+2Y6!Y&C$B,TI )4Y&01TJ71-,\2ZI#XOL-/O[&
MWT^\UF\AD>:)FF@!(#%,'#9!XSC!]>E:^I?#QY[;6;2RNHHK>\T2#2K=7!)C
M\O?AF]1AA^5 %V;Q%K5[K-WI/AS3[%SIL$3W,M[,ZJ7D7<L:!03G;@ECTR.*
M;J'B?78X+%ETW3]*\VV$UQ-K%X$CBDSCRAMY9N^>!C'?@.G\.Z[INNWNJ>'K
MO3P=1AB2ZBOD<A9(UV+(A4\_+@%3Z#FLV3P)J\&LVNI+>:=K,Z6*6LDFLPL[
M1N&9C)'CIG=RO'0<T 9%]XKO_$EIX-U/3[.W>_\ [:GMS"ESF!V2.5"PD Y3
MC=TSBIO&?B'49O"/BC1-7MH+;4[.W@N$DM)&:.:)Y0 RY ((*D$&KEO\/]<L
M=.TU+75[,WMAJ]QJ(F> [)1(K_*5!XR7(.#P.E6-1\"ZKKFGZ]/JE]9C5M4@
MAMH_(1O)MX8WWA1GYF))8D\=N* 'ZOX]FB\1:AI6FRZ'"=.""9]5OO(,TC+N
MV1@#L",L>,G&.*Z;PSKT'B?PY9:S;(T<=TF[8Q!*,"59<CK@@C/?%<]J'@_4
MX/$.IZIHO]CS)J>QYHM3MV?R954+O0KU! &5/<=>:Z?0].DTG1;2QFN?M4L*
M8DG\M8][=2=J\#D]/YT <?\ %:*_NM/T.QMX[66TN]6@AN(IY'42Y.51MHY0
MX.?H.M5)/'<EA+>:;I">'K:VT0"U:"\U#R'F=$!9(5QPH^Z&;J?I78>)-#EU
MP:2(IDC^PZE#>MN!.Y4SE1[G-<[=>"]6M-4U:;17T9[?5)C<,=0M2\EM*P 9
MD(X8'&=IQ@T 31>-KWQ!<Z?;>%[.UD>XT]-1FEOI&1(8W)54PH)+DAO8;>]<
MWH?C&?0=!NA<06T6JZEXBO8DBN[H)# 0Q9R\F/NJ!C@9.1CK74OX4U?2]2L]
M4T._M)+Q+!+"[6^B*I.JDLL@\O&U@2W &"#CC&:S$^'>HKID,DFHV<^LVVJS
MZC'++;DP2^;D.CIG(!![$XP* &O\39+72=?,T>FW=_I-LETK:?=>;!<1LVW@
M]58$$$'V/>M:XUWQ9::? ]WI>D6T]Q,V9I+TBWM8@H(\PE02Y)*X48XSD52N
M_!.L:KH&NVM[=:9;SZC"D$,%E;[88 IR26QN8G\ ,#BM#Q9X5N]:U?2-3M1I
M]P; 2J;/4HRT+[P/G&,X9=O'!ZGI0!RNK>+9?$?A2^BE-F;G3M;L8'GT^X\V
M"8--$P96Z]R".Q%>L5YVOP^U-[;5UN-0LC)J&H6=Z/)A,:1B$H2@7)XP@ .?
MK7HE '*^(_$&K:;J'D6D>D6EJL(D:^U:[\J-V)/R(!SD 9)/J.M8]M\0]0U3
M2_#,VEZ5;27>MR7$.R2Y/EQ-#NRV\ Y7Y2>F2,5;U3PAJ4OC&ZUVS&CW0NH(
MH5&IP-(UH4SS%CL<Y(XY'6H] \!WND#PTLU_#/\ V/<WLKN$*F83[\<= 1OY
MH :?'FH6%EK%OJ>F0/K.GW=O9Q0VLQ\JY><+Y6&897[W.0<8/6H;6?7F^+&E
M1:W;V<3#2;ED>SE9HY,R19&& ((_7(^E7M4\"S:E>^(+H7R037UQ9W=E($W&
M"6W4;2P[@D=/0U-I^@^(IO&-IK^MWFG%;>SEM5MK-'P"[(V_<W))V].V!UYH
M Z^O/M&\>:GK>JA+6UTEX1>-;36'VW9?0(KE3(R, .V[:.QX)->@UYW?^!-9
MU>YMXM2NM)GCM[Q+B/51;%;\(LF\(",*#P%W#MVS0 W0-8\207/C6XDM8=0-
MKJ!2"W2Y8$-Y<6%!<86,*=Q/KNX/>SIWC74[CQ&= E;0;J\GLY9[>33[QI$C
M=,?)*,9 .[@CT/%1ZMX#U:_7Q+:0ZA9K8ZM=1WT:R1N6\U?+!CD .&C81X..
M>:LZ9X0U2'Q5INLW)TBU@L[>:#[#IT!1 '"_,&/4Y4<8& * .=\.>.-2TKP)
MX:BOI;"34]6,OD7%[>,D:QIR\DSL,[LG 4=<CFNQ\(^+O^$ANM2TZ<V+7NGF
M,O+87'G02HX)5E;J#\K @]"/>N>M/AYJ]II&C1?:]+FO=#DE2S,L#-%/;R ;
MEE4G(;(!!7I@<&NJ\,Z-J.FR7UUJ<UEYMTR[+>Q@$<,"J,8!(W,3G))_ "@"
M3QF2O@7Q 02"--N2"/\ KDU8']OZMIVB:+#:1Z7;6_\ 9D,KW^K7?E1%MH'E
MJ!R3W). ,CK75Z]I[ZOX=U/38W6-[RTEMU=NBET*@G\ZXY_ NIV^LVVHVQT>
M]9-.@LL:E S_ &=HP?GBQV;.2..@YH L>'_B!)K!T"2:S@B@U0W4#RQS;U2>
M$GA6QAE95<@^U5=+^)<NJZ!+=Q:<J7SZI#8VMN[G$B2[6CD)[ QL6_X":9+\
M.=1;X?OH*:K$-2BOY+RVOA&5"EW8DE1T)5W&!ZUH0> $M?&^G:Q!<JNG6=G'
M$+3;]Z:-&C23TXC=A^5 %2S\>:GJ6N7-K96NDNMM?-:2:=)>^7?;%?:90K +
MC'S 9Y'?->@UYWK?@36=>>2TOKK29[8W(FAU)[8B^@CW[PB$8&1]T-D<=J]$
MH Y;Q'K^K:;?^1:1Z3:6JPB1K[5KORHW8D_(@'.0!DDX'(ZUC6WQ#U#5-)\,
MS:9I5M+=ZU-<6^Q[D^5&T6[+!P#E?D)Z9(JYJOA#49O&-SKMF-(NA<V\<(&I
MP-(UH4SS%CL=V2..1UJ'0? =[I \-K-J$,_]D7=[.[A"IF$X?''0$%^>W%
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MRW))S[8P/K5BU\&^)G@\-V6H:GIAL=!N89(O(A</<+&I0%LG"G:>@R"3U[4
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M2P(<D*YB\L#)R0#0!ZRFHV,BJR7MNP>3RE(E4Y?&=HYZXYQUQ6=XF\0Q>'M
MU3456.YGL+8W#6WFA6([9X) .#SCM7DVG7.E6NE0ZA9;+?1;?QT91(1LCBB,
M)4-S]U,L,=  15OQ7JMCJ]S\0I]/N8[F!/#\$?FQ-N1B'ESM8<'&<<=P1VH
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M86E1]%73KF-027)CWP<#_IH"N?\ II0!ZW-JFG6]K+<SW]K';Q.8Y)7F4(C
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M^1#/]K-CC"6IBPJR;>G[S9@-SD'WH [V'6])N;M+6#4[*6Y=-Z0I<(SLO7(
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M^7=(S2;]@W,.-F-Q)!R<+GO7G$6CZ=:_"6>]@LH([J+7@8YE0;TVZ@$7:W4
M+Q@=JL>(TMSI_C6:Y2,Q0^)+%W>0 A%_T;<3GH,9S[4 >KW6N:18I"]YJMC;
MI. T337"() >A7)Y_"J6I>*]-TS7=(TF::/SM3WF-_-4*JJN03D_Q'@>IS7
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M3MEBA\H-NPZC:&SU^N:Y+XJ_\B'/_P!?EG_Z41T?%?\ Y)Y>_P#7Q:?^E,=
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MW59F!(Z#' J:+7O$.D^(-.TSQ#'IDR:FDHMY[!9$\N6--Y1PY.05!PPQTZ4
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MM?VI\33+I=^S^;"]LLDR(_WXXYB?E0\@#:< \5UT$,=M;QP1+MCC4(BCL ,
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M8"+;YN\H=W4XQLZ<]:T+_P ;:%:^%]0U^UU*SOK6RC9F^SW*,&<#A,YP&)P
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MTY;#[89S=+O"[OO[>GE[>=^<4]?$NA/;W=PNLZ>8+-@MS(+E-L)/0,<X'XT
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M*ZO3?$.BZQ/+#IFK6-[+#_K$M[A9"OU -/UO6+3P_HMWJU^Y6VM8S(^T9)]
M!ZDX ]S0!S5YX":Y.IS1ZF8;R?58]5LYEAS]GE2-4 ()^<$ YZ<-22^#-2U:
M34KS7-5MI;ZXTR;3;86ML8X;=)!\S89V+,2%[C@8IDWB/QI::?\ VS<^&;,Z
M> ))+*"Z=[U(^YQLV,P'.T'VS72W_B+1M)A@EU/5+2P6< Q?:Y5B+?@Q![_A
M0!GW/A9KBV\,1?:PO]B3QS$^7_KML31XZ_+G=GOTJSXOT1O$?A'5-)C8)+<P
M,L3'H)!RA/MN JY=:UI=E;QW%WJ5G!#*A>.26=55U R2"3R,$'-5#XO\-""V
MF.OZ6(KIBL#F[3$I!P0ISSSQ0!C/9WGBR#PSXBLKI+"_L&=I8;B N S*8Y8R
M P(8'(SZBGOX(9_!6N^'OMX!U2>ZE$_E?ZOSG+8VYYQG'49K<U'Q%HFD,RZE
MJ]A9LNW<L]PB$;L[>">^TX^A]*EN]9TO3]/74+S4K2WLG *W$LRK&V>1AB<'
M- '/7/A75;36[K5?#^IVEO)?11QW<-[:F9&:-=JR)M=2&V\8Y!P*Z#1=/FTO
M2+>SN+Z:_GC4^9<S8#2,223@=!SP.PP*2WU[1[K3AJ%OJME+9%Q&+A)U,>XD
M +NSC)) QZD5%;>)] O8+J:UUO3IHK09N'CND98AZL0>![F@";6FLUT2]&H+
M*UF\+),L4;.Q1AM("J"QZ]A7E(OKY=&/AY?%5ZVCF(V_FOX8NS=B'&W9NV[2
M=O&[;GOBO7I;VU@$!EN88_M#B.'>X'F,02 OJ2 3@>E+<W5O90-/=3Q00J0#
M)*X5020!R?4D#\: /*+N[M;;7K+4O#FK7E@MKI::8L5SX<O)\QJVX'("\\ ?
MA5^/Q!!J6FZAIGBG4;G4;*\A,6RV\-WD!7/4Y(;GICT(KOM-U[2-8>9-,U2R
MO7A.)5MYUD*?7!XIEOXCT.[U-],MM8L)K],AK:.X1I!CK\H.>* /+YM1O;S2
MCH-YXJOY-(=/)EF3PU=K=RQ="A?:5!(X+;<UZKHTMG+HUH=.CDCLUC"0I)$\
M;*J_* 5<!AT[BL*Q\5W-]+.BPV<(AUQ]+/G7&PNBKG<F1\SG^[Z9]*V)O$6B
M6^JII<VKV$>H.0%M7N$$A)Z#;G/- &-H$#ZCXSUWQ"RD6X6/3;0D8WK$6,C#
MV\QRH_W#5_5/#QU+Q'INK"Y$8LK:Y@,>S._S0@SG/&-GXYJQ::NI75);Z>QA
MM[*Y:/S$N0P1 JG,A/W&^8\'M@]ZET_7=(U:TDN].U.SN[>+/F2P3JZICGD@
M\?C0!@P>"6A\.>%M)^W@G0KF"<R>5_KO+1EQC/RYW>_2L3XA>')XM"\6ZG!<
M.\FJ+8(D4<?S1&*4#(/?[V>G&*[?3/$&C:VTJZ5JUC?-%_K!;7"R%?K@\5I4
M <E!X6U:\UB#4M?U:VNY+*"6&S2VM3"JF1=K2OEVRQ7C P!D^M4K;P'?:1;Z
M'/I&JVZ:GIFGC3Y'N;8O#<Q9!P5# J0PR"#W(YKI]4\1:)HCQIJNKV-B\G*+
M<W"QEAZ@$U)=:YI%C;QW%WJEE!#+&98Y)9U5708RP)/(^9>1ZCUH Y\^#[^Z
ML]/&HZV;J[M]6CU.1_)VQX7($4:[OE7GJ23U/>M2V\/FW\3:SJ_VD,-1MX(!
M%L_U?E[^<YYSO]NE7;?6M*NM+.IV^I6DM@H):Z293& .N6S@8K'T[QE9:OXM
M32=,N+2]M&T]KO[5;SB0!ED5-G''\6: ,JS\!7VC6NB3:1JMNFIZ;8?V?(]S
M;%X;F+.[!4,"I#<@@]R*N'P??W5GIXU'6S=7=OJT>IR/Y.V/"Y BC7=\J\]2
M2>I[UOZM?2V"69B-K^^NXX&^TS>7\K'!V_WG]%[U#<>*?#]I<I;7&N:;%.\A
MB6-[I Q<'!7!/4'C'K0!G:OX0&K:MJ]X]YY<>HZ,=+*"/)3+.=^<\_?Z>W6J
M%OX)OV-O+?ZK!+/%HL^DEH;8HK!V4J^"QZ!0".Y].E=L3@9-<3X>\?0:]KVI
MQK>:-'I5K<?9(6%Z&GGDRH5@OW=C$D#!))% %Z7PBTFA^%].^V@'0Y[:8R>7
M_KO*C*8QGY<YSWQ7F_B!I8M"\0>&-(U6[@%S/.D.B2:8QN2[N25CE#;?)8DM
MNP<*3R*]<UO6H-)TS49EDADO+2QEO!;&0!F5 3G'7;D8S6;HWBF75->@TYK5
M(UDT>#4MX8DAI&8%,>@V]: .@M(C!9P0L06CC53CV&*Y&T\!O:V.EVW]HJWV
M'6I-5+>3C>',AV=>,>9U]NE=5J&I6.E6C7>HWEO:6RG#2SR!%!^IXJ&WUW2+
MJQBO;?5+*6TED$4<Z3J49R<!0V<%B3C'6@##UCP/!K>H:Y-=7;+#JEA#:;$7
M#1-&SL'!SR<L#C'\-1-X3UG6-\/B;7([JS^RRVOV>Q@:W$WF+M,DN78,P'0
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M19?,4OC[JL&(STR!FI;GQB/$D]YI/A,+J"_8)VEU&&3$4$I7$2JV,,Q)Z \
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M6&1DX(J&\^)U[(^JWMGJ>FP1V-Q+%;Z9-9RR278C)!)E!PA8@[0 <<9KJHO
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MO98+_5K34=.CBMII%@TA[.5I;F-&*DF4'"NV"0 "!QG-=U+X2271_#>G?;&
MT2:WF5_+_P!=Y2%,$9XSG/>L[_A!M1MHKK3]+\37%AHUU,\S6T=N#-#O;<ZQ
M39&P$DG[I(SP: .K6>2]TD7%F1')/!OA,J\*67*[A^(R*XZQ\:7VIZ=X6AMX
M84U;4;EHKZ)E)$"P9%Q@9X.X!1G^^.M=RB".-4!8A0 "Q)/XD]:YO2?!EII/
MC#5/$,<[N]\/DMR/E@+8,A7_ 'RJD_3WH XU/'DFFZ#I-K -.TN;4M0OT-Q]
MF9H8(X9F#-Y:G+.Q*]P,DDU8MOB)J(M[LF:TOH=-OK07%]%;/$DUK,Q1B$8_
M*Z-@GDC%;B?#_P"S:?IXL=6DM]2T^[N;FVO/)# "=V9XV0GYE(8#J#\H.15V
M/PE/=:1K5GK>LSZC+JT1BD;9Y<4*[2H$4>2%QG.<DDXR>* .>F^(]U:ZMXLC
MFMX?L>GVSR::P!W3R1$1R*>>?WK*HQBNYCNI[+0$N]4V?:(;42W7E#"[@N7V
MC/3(..:Y1OAE9R6/ARWEU":1M'G::60IS>%I!*X?GH9%5N_2NWEB2>%X95#Q
MR*593T(/!% 'G?\ PE/BFS\+V7C*]?3FTNX,,LNFQP,)(;>5E"L)=WS. RD@
MJ >0,4_P?I]X?B7XQO;R>RG>*XACW+9[9.8$*[7+G: IP1W//'2K<7P^NO[/
MM=$N?$,UQX=M9$:.Q-LHD9$8,D;RY^9 0.B@D <UT6EZ$NF:UK6I"<R'5)HY
M2A7'E[(ECQG/.=N?QH YOQ2FI-\3_!PM;V&* I=GRW@+GA5W\[AU4@#CY3D\
MYQ7+:1JOB7P]X%U/7K6XT_\ LVPU*[8V<ENS23I]I;>?,W#:>3@;3TYZ\>C:
M[X=FU76=&U6UU$V=SIDDA&81(LJ2 !U()&,@#![50D\#1R>!=1\,?;W"7LLT
MAN/*&4\R4R8VYYQG'6@##USQ[<+XJU/2;76-/TF/31&I>ZLY+AKB5E#X^4C:
M@! SR<YKKO".NOXE\+6.K26_V>6=2)(N<*RL5;&><9!(]B*H7OA34$UR]U70
M=<_LR74%07<<EJLZ.R#:KJ"1M;;@=P<#(K=TC3O[)TFVL3=W-V84VFXNI"\D
MAZDL3[_ETH \ILH5D\2>,2? 4?B+_B;.//?[-\G[J/Y/WAW>_ QS5SPKKMYI
M_@WP]H.CO%_:M[?7-JRW:.5T_P LO))&5R"Q1<*!D9X[5T2^#-<L]5U6[TCQ
M6;&'4;HW4D)T^.7:Q55X9CZ*.U*GP\@M])M8[/5+F+5K:]?4%U-U5W>>0$2%
MUX!5@<%1C@#F@"+_ (2/7M)O=8T;4'TV[O[73QJ%G=G-M"Z%BA$H+';M89R#
MR/2J&@^-[RX\8Z9I+:YIFMVVH1S%I+.S>$0.B[OE<LRNIY'KTK0O/AX=8L]7
M.M:Q)=ZCJ,$=O]IC@6-((XWWJJ1Y/&[DY)S[5:@\(ZE)XBTC6M4U\74VF"58
MX(;,0Q%73:>-Q.[H<Y(XP * .;TWQEXLE\(6?B"Y.EL^JRQV5A:+"ZA)GE\L
M22/NY7 9MH'H,]:OV4&MV_Q<T]-9N[2\_P")+<&*>W@,.?WL.Y64LW3C!!YS
MTXK7B\"VZ>!+3PRU[+FT99(+Q%"O'*K[T<#D<'MW%.TSPKJ,'BF+Q!JNO&_N
M8[-[-8DM1#&%9E;( 8G.5YYYR.F* ,_XEIJ#Q^&A87D5ONUNV4^9"9,L2=IX
M9> 0<COQR,5C6G_"31^(O'4^D7NGVZ6UU'*WVBV:0SR"VC.WAQL7 Z\GGVY[
M?Q3X??Q%I]M#!?&RN;2[BO()Q$) KH>,J2,CD]Z98>&?L;Z](]X99-8</(?+
MV^61$L? SS]W/XXH YR_\:7<VDZ!>C5M)T*WU*P6Z>6Z4SRF1@I$<<0920,G
M+<]ABN?O_$&L^*/#>A3I>VD4\'BB.R>5;1]DS*_[N386!4=RAZ^HQ75VW@&Z
MTNXTJZTC6UM[JRTN/2Y'GLQ,LD:'(8#<-C9SW(Z<<4U?AU)%H4EC%KL_VO\
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MO-8'C)UT_P 6>%M;OHW.DV;7*3RB,NL$CHHCD8 ' X8;NVZN?U6]L+_5=/\
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MIC_<NO-&QCG& >YSQCKFO,K/5;C3SX;@FN8-"QX<M0-2EL#/-<' W0H>B[<
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MJ.E 'K8((!!!!Z$4M4=&DFET/3Y+FT6SG:VC,ELHP(6*C*#Z'C\*O4 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 445QWCO7-4T5],^RR36FG3-)]MU"&R-TUO@#8-@Z!B3EL'&/>@
M#L:*\^L_%VH2V/AMX]5TW4EOM8:SDNK1"!)%Y<C#*G[DGRKD=OQI?$_B[5M*
MG\7I:-#_ ,2O3;:YM@R9^=VD#9]1\HH ] HKAY=7U_PUK.D+KE_;7UGJ?F1R
M)#;>6;:58VD&PY)9"%8?-ST.>U<M:?$G5I].M==6\,[3RHS:+%I$^%A9@,+/
MC!<*=V?NG!&* /8:*\_COO&&MZYXEBTW5+.TM]*N&@MXFM!(TSF%64,Q8;0&
M8=!SD^@JQIWC&ZUZ;PI!IX1)+Z![S405R88XQL9/8F4A<_[)H [.VNK>]MDN
M;6>*>"0926)PRL/8C@U+7D=MXNU>#PCX8N=RZ3IEU;RO=7UEIGGI"X?")Y:\
M(I&X[L'IVK9B\5:QJ5KX=TS3]5TJ>]U5[@OJEM&9(EAAP21&2,2'<@*DX!SU
MH ]#HKS+6?%_B+P[8>(M/FGM;S4M.2TN+2Z\GRQ-'-,(RKH"0&!##(Z@@X%;
M,6H>(/#_ (CT>SU[5+>_L]3$T/G1VH@$4X =%^\>"HD ^@H [2BN?\':M>:]
MH\NK7)46]U<RM9*%P1;AMJ$^I;!;_@0K+UW4/$5UX[@\/:-J%M80MIIO9)Y;
M;SF!$NW &1UR/H : .THKR*X^(NJ70U2_LM2$)L[B6*TTS^R)IA<K&Q7YYE&
M SD'&#A>,YYJ_K_C358-01Y;YO#VG2V4,]I/<::T\<LC@EDE<?ZO:<#'!ZG-
M 'IU%<&^L>(]6\2Z;I6GZGI]M!/HZWUQ=6\7GJ7W[?W18C*G/!/;WJE%XQUZ
MZ-OX>CDM$UQ]6GTV2^,),82*,2F41Y^\491MSC.>U 'I-%>::YXL\0>%K;Q%
MI]W=6][>66F+J5E>" 1[E+E&61 <9!'!'4&M2+4?$VD>+=&L=4O[2_AU>&<^
M5%;>3]GDC0. K9)93DCYN>] ';U4CU33Y6B6._M7::1XHPLRG>ZYW*.>2,'(
M[8->=>&?&.KWNMZ?:ZIK-M:ZA/(RW>BWU@]LT8P<""0Y\P@XZDY&3Q6<;K4M
M7N?"K6!LK.\_M[4XDD6W&Q%43*6V C<VT$^[=: /7+FZM[*!I[J>*"%2 TDK
MA5&3@9)XY) _&N=URQL;[4!?0>)IM)O;0"UE>WGB(^<@JDB2!EW$D%> >>.M
M<MKOB/5]+TWQ'I&IO9ZC<V LKB"XDM0%EBEF"X>/E=RE3@CV.!BH-1OGT[5?
M&<\<,$K'7=+CVSQ"1<,D"DX/<9R#V.#0!WNE:=I?A+2)HOMFV)9&N+JZO)AN
M>1SEGD;@9)^@K:KQV_GU'2?^%FW[W-M=I#-#BWGM%9&8Q1%202<@*=N._6M;
M6?&]W)XJU72[?5_[)@TWRXU9=*EO#<2L@<[BH(51D#'4\G/2@#TRBO+[OQSK
M<^C:#J$ZSZ)974$IO;R/3GN?*F1]H4H>41L,P)!XP/>NU\):G+J_ARVO)[^P
MOY&+#[38$^5( Q .#RK8QE>QS0!MU4GU33[7S_M%];0_9PAF\R55\L.<+NR>
M,G@9ZU;KQW49#?\ P*U37)>;G5KQ+R5CZ&Z147Z*BH/PH ]5U1=/^QB;5)(H
M[6"5)M\TFQ%96!0DY X;&,]\5=KB_BS_ ,DRU?\ [8C_ ,C)4<U[XGUCQGKV
MCZ9JMKIUKIT5NZ2-:"9V:1&..2!MRISWZ8Q0!V;W5O'<Q6SSQ+<2JS1Q,X#.
M%QN('4@9&?3(J6O)[?Q3)?WW@WQ-?PJL@T74KB=(NA*"/=MSZ[3^=,TSX@ZO
M(NE:B]\;TWLT0N-*BT>=%@CD(&4F(PQ3()).&P<8XH ];HKRZ[\9:S:^)+JV
MOM7M='E2^\JULM0L76WN8-P 87(S\S+D^QXQ3_$7C#6=-\1:C;W.K0:''#(J
MZ>+W3W>UNUVJ27N!]W+%A@8Q@=: .\LM$MK'7-4U:.24SZEY7FJQ&U?+4JNW
MC/0\Y)K2ID3^9$CY4[E!RAR#]#W%<$NK^*=<M];U?2M1L[.UTZYGM[:SEM?,
M^T>22&,C[@5W,"!MQ@8ZT =Z\L<>=[JN%+'<<<#J?I26]Q#=6\=Q;S1S02*'
MCDC8,KJ>A!'!%>5P7UYK_C:#68KL0VUYX4^U?9C""51FYCW9_O<[L>U-\,:A
MXDT'P=X)OI=1M9M/O'M+$V M<;(Y!M5Q)NR6'!/&.2.U 'K5%>2WGQ"U.ZGU
MBZLM3%K]AN98+33_ .R)IUN?*."7E484L00-OW>,YK937/$OB+Q3%8:7>PZ3
M9G2;749!/:>;*K2,X,>"1C@<GL5Z<T >@U25-/TN1V,D4#WUQDF23!FE*@ #
M)Y.U  !V7CI7F\_Q%UBWTOP^S) ;M+B1==&S_5113K!(0.V6<,/8&K]YXEOK
MO4[:;R[62P/BB/3;420AB%2)Q(ZD]&\P, 1T /K0!Z-17ET7C+65\1_9=2U>
MUTJZ.H&%=+O[%XX98-^T&.XYW.5P1VR<8J+4/'VHW.IZY]CU46 TVYDM;:T_
MLB:Y%R\?WC)(HPH+9 "X(')H ]6I&944LQ"J!DDG  JAH>HOJ^@V&HR6[VTE
MS DKP2 AHV(!*G/H>*Y&YU#Q'XBNO$@TF_M;.STJ1K-();;S#=2"-7?>V057
MYP!M^OM0!W5O<0W=O'<6TT<T$BADDC8,K@]""."*9>7MKIUI)=WUS#;6T8R\
MTSA$4>Y/ KR/2_%]QIWA_P (:!;WQTU7T.*\GO%L7NWQPBHJ*#C)#$D\<>]-
MUO5M5\4^%K.*>Y5#;>(K6T,S:>R)>*TB&.7RY,$8R<KR"0>U 'K5AJNGZK&T
MFGWUM=HNW<T$JN!D9&<'C((/T-0:CHEMJ6J:5J$TDJRZ9,\T*H1M8LC(=V1T
MPQZ8YK@+_P 1:MHJ^)$T]+#[9::IIUFDGV8()?,2$,7V\G[QQZ# '2M"?Q)K
M7A36M1M=:OH=5MHM%FU6-X[80,K1,%,> 2"#N&">10!U^OZ);>(]$GTJ[DEC
M@G*%FB(##:X88R".JCM5VYN8+.VDN+J:.""-=SRRN%51ZDG@"O+])\=ZLUWH
MLTNH'4?[0GCBNK&/1YX5M1)_$DI'(0D9W9R,D8JKXGU#Q'XF^&?B+78;^UAT
MQUN8HM/-MDM!&[1EC)G(<[2V,8Z#WH ]>!! (((/0BHX+JWN3*+>>*4PR&*3
MRW#;'&,J<=#R./>BV_X]8?\ <7^5>4V;^([.U\>:KI.IVMK!8:K=7 @DM?-,
M[)&C,&;<-JX  QSG)H ];HKS'4_'US=ZS!I\&H'2(5TZ"\FF33I+QW>4$J@"
M@A5 &23R<X'0TD?C'Q+JUEX?M;-H+*^O]0N;&:XFM'",L<;,)DC?##*@, >_
M!H ]/J)[JWCN8K9YXEN)59HXF<!G"XW$#J0,C/ID5YE?>,=437K[19-?%DVE
M1Q1R7,>C27)NYV0.S$)D1H,@;<YY/-6]/\67NJWWA>ZN-/AM[BZTZ_DF$D!#
MH\11?D+#<JL><=QC/2@#T>BO+].\2>+%T'POXDOM1LIK?5;FVMYK!+3:%68[
M0X?=G=G!QC'..U>H4 %%<AX]\4S^'8-,MK618+C4KGR1<-;O.($"EF<1IRQP
M, =.<G@5C:7XSU1H]<MA>6]X+2S%U:ZG?6<EC"#DADEW ?=X.5Z@XX- '7:Y
MX<BU^>S^UWMTMG;R"62RC*B*X96#+YF1D@$ X! />MJO,='\:WB^+-,L6UU=
M9L;Z&=I9!ICVZQ-&F\&-SPX.",<D<<UI^'[WQCKFF:9XCBO;#[+>NLK:6T&T
M1VS'M+DDR!<'I@GC H [:WNK>[C:2VGBF179"T;A@&4X(R.X(P14M>-:=?>)
M-#\%Z_X@L=1M$L]/U6]D%B]KN\]1<-OW2;LJ>2!@=AUSQ[(K;D##H1F@!:*X
M*UU'Q;XC34]4T:_L;:"TO9;6TL9K?<+@1-M8R29RNXAL;1P,=:I^)_%6I6>J
M:E!'XCLK&6UC#6]A:V+WLKG9N/G$#Y,G@ 8XYS0!V^KZ);:S)IKW$DJ'3[Q;
MV+RR!N=590&R#QASTQVYJ[/=6]L8A<3Q1&:011"1PN]R"0HSU. >!Z5P%IXC
M\1^(]1\/VNGW5MIT6H:&NI7,GD>:T;$H,("<=6QSGC/>H3XGU&5M.L-0CL[B
M^L_$Z:;-/Y VNIA9UE13G8^"!P>.<<&@#TD,K%@K E3@X/0TV66."%YII%CB
MC4L[N<!0.223T%>5^'[O5M#\.^*[QM;TZ-AKL\1GO8O+CB/F /)@'+$@_*G'
M( S31XKO;[_A(M%DU4ZK9MX?N+N.Z?3VM65A\A49 #K\P.1]* /48K^SGF6&
M&[@DE>(3JB2 EHSP' '\)]>E6*\Y\/75Y/J.FZ59R6UK(?"EI,EV;99)%8OC
M!/!*X'W<XR<TS3?$FOI<:WJTNJ0ZEX<T>VF:29;,0FZF1266,ACE5Q@MT)X'
M0F@#TFHKFY@L[:2XNIHX((UW/+*X55'J2> *\MTKQ[J[SZ-=27YOS?SQ1W6G
MQZ//$MLLG\22D?-L)&<Y!&<8JOXGU#Q'XF^&GB/7(;^UATQEN8HM/-MDM!&[
M(6,F<ASM+8QCH/>@#UX$, 000>010&5F90P)7J >E1VO_'I#_P!<U_E7DT6M
MZEX2B\=ZLUW'=NNKI;Q1-;D+YKI"JN=I)( 8?*.NWU- 'KU%>;:-XPU'^WX-
M/;49-8M[JWF9ISI,MI]EE1=PR6 !1@"/4$#DYJE;^)/&8\#Z3XAEU*PDN-6G
MLX8;7['M2+S'"DEMV6R""1QCM0!ZM17GL,_C*7Q7?^&O^$ALQY-G%>K?_P!G
MC>-[,OE[-VW&5)SUQQWR.D\%:U<^(?!VF:K>)&MS/$?-$8PNX,5)'H#C- &]
M17/6>L7<_C[5='<I]DMK&WGC 7YMSM(&R?\ @(KCI/&FOR>%M&U!Y7MK:XNK
MN.^U"VL#<FW6.5EC'ECH#CEL'&/>@#U*BO,+KQ_=VWAC3&AUC3KVXU#4'M4U
M*UMI)5CB52Q=H5^;S0H V=,G/2HU^(>HZ;8:YN=M6%I;1S6=Y+826@:1Y!'Y
M<BL!G#,IRO4$]Q0!Z=)=6\-Q#;R3Q)-/GRHV<!I,#)VCJ<#DXITTT5M!)//*
MD4,:EWD=@JJH&223T %>=7-EK]I\1?!O]KZK;ZA&QNR&CMO),;^0<@8)ROIG
MD8[YKL/%ERUEX.UNZ1(I&AL)Y DJ!T8B-CAE/!'J* -:.1)8UDC=7C<!E93D
M,#T(-.KSRVU3Q'J^OV^C:;J%IIMLNAVMZTHM!(RNY==JJ2 %X'TQ@=<CHO!&
MLWFN^%X;S4!%]L2::WF:)<*S1RM'N [9VYQ[T = 64,%+#<02!GDUBZGIMKX
MGLK.YLM6G@:&3SK:]T^53S@J>H964Y(((-<]J$%\_P :=*>*_6.$:1.QB,(/
MR"6+<N<]S@Y[8KE?"NH>)- ^&NA:VFHVC:<MQ' VG_9>6BDN/+)\S=G?EL],
M=L&@#T?PYHUCI=UJ4T>IRZGJ<\B"^N9Y$:0%5^5"J !  V0,#[V>];]>;7WB
M+6+1?%+Z79Q[[;6(8))K:S\V2.%HHR\I1<&5AG\L=A6WX&U^36UOU.O66KPP
M.GER1P-!<)D'*S1$#;R.".O/I0!TE_J5AI5N+C4;VVLX"P427$JQKD]!EB!G
M@U!I^OZ-JTK1Z;JUA>2*,LMM<I(0/4A2:Y/XK.L>E^'G>T>\5=>M";:-0S2C
MYOE 8@$GIR<50.G3Z]XJT"ZTWP?<:"FG71N+B^N(X8F:/8RF)5C8EMQ(SG@8
MH ],JI+JFGP&<2W]K&;=D6;?,H\HOC:&YX)R,9ZY%>>KXF\4W'@N;QU!>V:V
M**]RFDM;?>MU8C!ESD2%03G&,\8JCJ>J&UN_'6H00P2[KK2"J7$0=<.(ARIX
MR V1Z'!H ];HKAAJ'B?Q%J6NG1-1M+"WTJY-G!%+;>;]IF5%9O,;(VKE@!MY
MZGVI9/&%[H6I:W#X@6%5M],CU.V6+H0!MEC#?Q$28P<9PXH [BBL[0&U%] L
M'U<H=1>!7N B[0KD9*@>V<?A6C0 4444 %%%% !1110 4444 %%%% !1110
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M(.%48/OR3FHOB9:R:UHT&@6MG?27UY/&UO=01$QVI5UW2._1<*6X/)Z"M?\
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MU!#'>KNM1"K3-,N,Y14!+#!!R!CFJMSX\\,6FG6FH3:O"+:[#F!U5F,FT@,
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MTZ%BDLSY38P."K*0"&R1P1GD>M-LO&.@W]I?7,%^/+L8S-<K)$\;Q( 3N*,
MV, \XYQ0!F/\/-,DOO$UR\TI&O0>3)'QB#*X8I[DX8^XJ>#P1:6^B:!IB74Q
M31[M+Q9& +32 /N+?[Q=B:EB\>^&)["YOH]6C:VMI%B>38^"[9VJG'SDX/W<
M]*J:O\0-)M?"&JZYITPNFL$(,#QNCB3&55U*[ESZD"@"&Y\ RWD3Z?<^(;V;
M0WN1<FQDC1FSO\S9YI&[9N[=<<9J:Z\%7 O-2?2/$-YI=KJ<AEN[>*)'_>$
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M8SG=Q^O2@#,A\&W4NOZ7K6JZ_<W]SI_F+'&8(XXBKH5;Y5'4Y!SGL.!4%KX
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MA^\@C4M+):NBJ.I)0@"O._"B/>:EX E^PW:#3M'N+6<SVSQ^3,J0*0=P&.C
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MW X^4Y/ QD'U!KD8M+M_B3\<-<MM?WW&EZ%&([>SWE4+9 R<>IW$^ORCH,4
M>Q:;K6E:S&TFEZG9WR+PS6TZR!?KM)Q45WXCT+3[E[:]UK3K:X3&Z*:Z1&7(
MR,@G(X->.?$'0-/^&?B?PUXF\+Q&P\Z[^S75M&YV2H<$C!/<9!_ ]163XEG\
M(6_Q_P#$#^-$5]-^QQ",,DC?O?+AQPG/3=[4 ?0=GJ-CJ,!GL;VWN80<&2"5
M74?B#6=_PF'AG_H8](_\#8__ (JO&OA>EC-\4?$%WX/@N8?"OV(JWF;MADPN
M -W.<[B,\@9Z9KC?A]=^"X/#LB>(?!VJZQ>?:6*W%I 70)M7"Y#KR#D].] '
MU18ZC8ZG 9["\M[N$-M,EO*LB@^F0<9Y%6:Y7X>KHA\*I-X?T>YTFRFF=_LM
MRA5PP.TD@D]=H[UU5 %:^U"RTR 3W]Y;VD)8+YD\JQKGTR3C/%3QR1S1)+$Z
MO&ZAE=3D,#T(/<5XQ\4+>;Q_\0])\!VDYCAM8)+V\D7D(Y4[,_3C_OY6]\$]
M?EU+P2^CWN5U#1)6LYD;[P49V9^F"O\ P"@#LO\ A+O#.<?\)%I.?3[;'_\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M&"BYB (ZD@9PS Y([8.15[_A2?@K_GTO?_ Z7_XJC_A2?@K_ )]+W_P.E_\
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MFSM)G;G&-Q./O&@#H:*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ JKJ>H6^DZ5=Z
MC=-MM[6%II#_ +*C)_E5JN$^*NFZWK_ANVT#1K:1QJ-W''>3J0!! ""S')]<
M<#L#0!S7PO\ 'OB/5?$K:?XID&W5K/\ M#2E\M5VQAV!0;0,\#(SDX7WKV"O
M%==^&?B+P_+H>NZ)K%_KEYH\\:PV<P1-L'1E4\<8 &/0FO4M-U34[S6]2M+K
M1I+2QMQ&;:[:4-]IW#+?+CY=IXZF@#8KGO%&GZO<6SW6F>(KG2Q;PNS1PV\,
M@D(&0274D=.U=#5;4HWFTN[BC7<[PNJCU)4XH \VL+SQ1%\+9_%MQXJNKFX?
M1GND@>TMU2.39N# A 3@]CQZUTVA^.K+4KG3;":UU&WFOH=]M<7-J8XKHJNY
MMA^F3R!D=*SH]#U(? TZ&;1_[3_L0V_V?(W>9Y9&W.<=:NZGI%]/J7@F2*W8
MQV$SFY8$?N@;9T&?^!$#B@"1OB%HZRL_D:@=.6?[.VJ"W/V4/NV_?SG&[Y=V
M-N>]=1/,EO;R3OG9&A=L>@&:\7M/!=]:>'AX8N-#UZ]NED,/F#5I$TZ6(OGS
M"!)\HV\E-N<_6O7]34)HEXHZ"V<?^.F@#GM.^(NCZE_9\J6NI0V6H.L5K>SV
MQ2&21NB9SD'.1DC!(X)K3'BK33I&LZG^^^SZ1)/'=?)SF(9?:,\\=*\]T/\
MM;Q/\/?"F@QZ%=6J(+*::_=D\D0Q%7#(0VXNP4#&!@DYZ5:U"SU^RT7QKX>M
M_#UY=RZO<7<]K=1O&(#',@'S$L"&'(QCDX]<T =7/X[TV+5X-*AL]2N[R:&&
MX"6UL7V12$@.QSP!CGZCK56+XEZ++$;D6NIKIZ3FWFOVMB((9 VW#-G.,XY
M(&1DBD\-Z/?V?C"YO;BU:.!M&LK=9"1S(ADWK^&17&Z/)J^M_#*[\,6>@W+-
M?7%W!'?ED^SK&UP^YV.[<"OS?+C)P,=: /0-3\;6&G:C<V,5EJ6H2V:J]V;&
MV\Q;<$9&XY'..<#)QVHN?'&EH+$6$-YJLE[;?:X8["'>WDY WG)  R<<G.>U
M8MDNK>#=6UV*+0;[5K?4;D7=I/:M']XQHACDW,-N"@(;D8/X5ACPA<Z3HV@6
MFHZ+?W4EK:2 W^AW)CN;:9Y"YC^\NZ/G //(Z#- ';R^.-)32=/OH4O+A]19
MDM;2& F>1ESO&PXQMP<DX ]>E7]#\06>O1W'V=)X+BUD\JXM;F/RY86QD!AZ
M$$$$$@^M><7'AKQ+/:^'-6UB+5;V2Q:ZBFAM;P17JP2,/*8LC*&<!0& /.>^
M*ZKP+I#V5UJ^HMIE]8K>/$L9U&]>XN9413AGW,P7EB ,YQU[4 :VL^*;/1K^
M#3Q;7M]J$T9E6TLH?,D$8."[9("KGC)/)Z9KE?%GCMY_#NFR^'VU"-[[4DL9
MI(K4&:V(;$D91^%E[ $'N?0UIZI#J&B>/&\0PZ7=:E8W>GI9RK:;6EA='9@=
MK$95@YZ'@BL-/#>MS6T-_-I[0SWOBJ'5)+4.I:W@4!<L0<;L+DX)ZT =U-=3
M:3X6:Z(NKR:WM=Y\Q!YLC!>K*N!GU QWK@[7XA:B\7@>\N8+P+JEO.;JUAM0
MS7,@B1E,8Y.W+$@Y QUX%>DW\+7&GW,"8WR1,BY]2"*\[\,Z5JYD\!?:M(NK
M3^Q;6YM+OSBGRMY,:JPVL<JQ!P?:@#:NO&=G?Z%+=6]S?:7-;:C!:7$<MJIF
MC=I$&QD8XPP8#<">#D<BK%YX^TNRN[N,VFI36MG-Y%U?0VQ:"&3C(8YR<;AD
M@$"N=UGPYJ]S=^)GAL7=;K6M-N(""/GCC$.]ASVVM^54_$&C:LNKZM/H^BZS
MI^N33EK6]TR[46=R,#:\ZNVT$?Q#;SCC- 'K%>2>'[OQ+J?P_M_$MS\0'MIW
MMWF:*:SMO*4J3P?D!QQZYKUB$2"",3%3*%&\J."V.<5YWX"^&VAVO@_2O[<\
M,6']KI&3.9X$=]VXXR>0>,4 :>F^/XY-!T.6ZT^\N-8U&Q6[:QL8=[JF!ESD
M@*F3QD\YQS3;_P 8"_'AFXT:YDCAN]9^Q7D4L6V1<1R%HW5AE6#*OO[X-.U*
M"_T+QVVOV^DW.HV%UIR6<B6>TRP.CLRG:Q&5(<CCH16):^&];DNM/U2?3VAD
MNO$YU.6VWJ3;0>0T:[R#C=PI.,\M0!T%IXQLK+1S<7-Y>:C--J5Q:6\4=J!-
M(ZNP\M$7@A0I^8XX&2:GMO'FDSS0V\L5[:W,EXMB\%S#L>&5D+H'YX# <$9!
MKE;/P_K>DG2]9&ES7+Z=K&I2RV<;+YCP7#,!(F2 2!M.,@D$UKZU'JOBCPEK
M[WE@-)CB"W&EF? G62(;Q))AB%&]0 .N,YZT =7!K%K<ZY>:1%O:YLXHY9R%
M^1=^=JY_O84G'IBLW4-=MM,\421W>I216\&DRWLMN808PB. 9=_WL@<;>ASG
MK5/X=PW$WAY]=OH_+O\ 7)C?RKUV(P B3/H(U3]:AUW1]1NO&ES>P:=%=V[^
M'I[0+<-B*65I5(C;O@@'F@#2TGQC::KJ$-D=/U.QEN(C-;&\M]BSH,9*D$\@
M$'!P>>E0>//$EWX9T6VNK.VDFEFO8(#LCW[5:10W<<D$@>Y%<WX4TO5;+Q)I
MPTNPU[2](2.0:A9ZG<K+ AVX18,LS9#=P0,#WQ72?$"PO;_PPHT^U>[GM[VV
MN?(C(#NL<RNP7) S@'O0 ^]\;V5I>/9Q:=JM[<PPI-=16EKYC6JL,J).1AL?
MPC)]JV],U*SUC3+?4;"=9[2X0/%(O<'^1]NU<79SZMX=U[6KX>'-1OK;66BO
M(/L_E^9%)Y2HT4H+C;@J.1D<GGBK?A5+OPEHWAW0=0M2]U?RW!D>%P8[=SYD
M^T]R,97(XXH Z?5M5L]#TJXU*_E\NU@7<[!2QZX  ')))  ]363IWC*SOM5&
MF3Z?J>G7;PM/"E];[/.1<;BI!(R,C(.#STJ3QHNM-X5NQX?W_P!H$ICRRHDV
M;QOV;N-VW=C/>N+TW0]0?QSI6IPZ9KRV4=I=0RW.KWGFR%V5=H"%VV+QC@#)
M/3@&@#<A^*>@S6]E=_9=66QO3LMKMK)O+EEP2(EQDES@@8&"00#6A;^.]'DL
M=5NKQ+O3CI6PW<-[#LD0./D( )W;N@QG)XKG;/PYJL7@7P'8/8N+G3K^UENX
M\C,2J'W$\]B1TI/$?A76-3U?Q3<6EJ&,@TV>S$CA4N'@=G9,]NPR>,D4 =-I
M_C2QO;X6-Q9:CIUT\+3PQ7]OY9G1?O%.2"1D9!P1GI5*P^).C:BVFO'::G'9
MZC(D-M>RVI6!I6Z)NSG.>,XQD=:I72:KXK\2:1>_V'>Z;:Z5'<R2->[%>662
M(QB- K'(&XDMP.!5:/P]JJ_#?P;IOV)Q>6-YI\ES%D9C6.12Y/.. #TH V]2
M^(6DZ;-?AK74KBVTYBEY>6UL7AA<#)4MG)(R,X! SR172V5W%?V%O>0[O*N(
MEE3<,':P!&?P->67]SJ7A_PCXSTR#2CJ%M))?S)J$-Q$8460,SK+EMP="2-N
MTYP.E>B^&T(\)Z1&P*L+&$$=Q^[% &,WQ%T97:7R-0.F+/\ 9VU46Q^RA]VW
M[^<[=W&[&W/>L76?'&J1W'CJSM[>XMSI&GB6TN/(&$?RW8LQ)(.2 5XP0*SQ
MIGB"/X<O\/QH%PUV8VLUU#=']D,18_OBV[=G:<[=N<U;US1=76\\;V5OI=U<
MQZQH\<=I<H4*%XX70HV6R&)88XQ0!T&A>.K+4KC3+&>UU&":^AW6UQ<VICBN
MBJ;FV'Z9/(&1TI6^(6CK*S^1J!TY)_L[:H+<_90^[;]_.<;OEW8VY[U%J6D7
MTVH>"7BMF*6$S-<D$?NA]F=.?^!$#BN$M?!=]9^'O^$9N-#UZ]NED,(D&K2)
MITL1?/F,!)\HVG)3;G/UH ]);QG8?\)1+X>AL]1N;R"2-+AH+8M' '4,K.V<
M!2#^A]*A\=^)+OPSH]K<V=M)-)-?00'9'OPK2*&[CD@D#W(I?#VE75CXP\5W
M<T#);W<MJ;>0D'S D"J??@@CFD^(%A>W_AJ/^S[22[GMKZUNC!&0'=8YE9@N
M2!G />@#'C\=SVGB[Q#9W%EJM[#;QVLT%K:V@=[=&BW.7/'.>Q)/!P.*V!XH
MLKO5-&N+34IC9WNGSW<<"0 K,B[#N+'YE*[ON]\G/2F>';*]'BWQ-JD]E+;0
M:@EFT'FXW';"0RD G!4G!]ZY?P]X8UFTM/":3V$B-9Z)>VUP"5_=R.4VJ>>^
M#^5 '2:?\1]'U&336CM-3BM-2=8K6]FM2L#R,.$W9SG((Z8)'!IVH_$;1]-.
MH2/:ZE/9Z>[1W-[!:EX(Y%ZINSDD' ) P">2*R5\/ZH/A]X)T_[$_P!KL+O3
MY+J+(S$L9&\GGM[5@ZI<ZEH'PY\5Z+%I1OK7-\8]3BN(C (Y&=F\SYMPD4L5
MV[3D@4 =W?>.=/M+AH8+'4[]XK=+FX^QV^_R(W!*E^1R0"<#)XZ5J0:Y;74V
MG);17,T5_ ;B*X2%O*50 1N;^$D'@'GKZ5Y_J^CSO=P7)T+6EN/[/@2VU+0K
MH1RLP7F.92P'!Q@D$8/X5V>@7&NVVGZ+8ZU:O<7TEJ6O;R-E\N.10/E;'4G/
M4#&0: -'6=9LM!TR2_OY&2%"J@(I9W9CA551R6)(  K*M?&NGS?;DN;34+"Y
ML[5KQ[:\@V2/"O5TP2&';KP<9Q57XB:#>:]X?M5L8Y)9[*^AO/(BG,+S*A.Y
M5<$;6P20<CD"N:@\/3W\NJW5MH>MPA=(N+:&;6-0>69Y9%_U:(9& 7@98D<X
MQZT =1IWQ!TK4;W3X5M-2@AU'BSN[BU*0SMM+;5;.<X!QD ''!-+'X^TN6[1
M$M-2-F]U]D341;?Z.TN[9C=G.-P*[L8SWK/NM$U%] \!6Z6C&73KNT>Z4$?N
ME2!U8GGL2!Q7/2:+K=OJ;MHFCZOH^L/?[Y'MKI6TN:,R9:1E9CU3/ 4-N- '
MH<?B73Y;+6KM?-\K1Y98KK*<[HT#MM]>&%9EUX_TNWO+*SBL]3O+J\LX[V*&
MTM3(WDN2 QP> ,<_4=<USMW;:[IL'C31K?P_>7KZU/-<6=U$\8AQ+"J$.2P*
ME2IXP<]JU/#6B:C9>*M/N[FT:.&+PS;6;.2/EF5R63KU Q[4 7KGX@Z1:SW.
M;?4)+&TF,%SJ,5L6MH7!PP+9S@'@D @=S73RS"*V>=4>4*A<+&,L^!G ]2:\
M;7PA?Z?IFH:%-HFOZA<2SS""2#5GBL)XI'+ R 2#9PQ#+MYQWS7L-G;BTL;>
MV4 +#&L8 ). !CJ>30!YA!\1M2F\.^&=6N(KF W6L/;7*1VN[[0F)MJ1KR3R
MJ#C!R#SUKL;3QUI$UIJL]VMUIK:4JO>0WT.QXU8$JV 3N#8.,$Y/%<AHNB:T
MFF>%=.N-'N89-'UR66XD<H4:-A.1(A#'*_.H[')Z59\6^$-6U[4/%JVL)"W=
ME8?97,FP2R0RO(R9!RO89[9% '5:5XPL]2U*+3Y;'4=.NIXS+;I?V_E>>JXW
M%#D\C()4X(STJ_KFN6F@6*75V)G\R58(8H$WR2R,<*JCN3_2N(T'17N?%FEW
MO]AZ_;I8K(\EQK.J22^7(R%-L2>8P;.3EN!CWKI?'%@VHZ L/]C?VO$MQ&\M
MNDOERA >7B;(_>+P1R,\\T )%XXTK^SM2O+R*]T\Z;M^TP7<!61=_P!S &0V
MX\#!/--M?&]K<7SV,NDZO:7OV=[F&WN;8*UPBXW>7AB"1D<$@\UR$-EXS@T3
M71HQUM;(BW%E#JDT;W@^?]_Y9)./DX7>>O2K&BZ+?_\ "P='U6+3-=2QBM;B
M*6YU>\\V0NP4CY"[;%^7' &2>G - "^#/&LP\,IK6NW.JW=WJ=P8[6R%JGS,
M"_RP*H!("CDL>-O4=^VT/Q%::ZUU%%%<VUW:,JW%I=Q^7+%N&5)'(((Z$$@X
M-><#P=J\7A/P;/-8W[RZ0]P+NSLKHP7&R4D;D96&2, XR,@D5U'@C1VMM5U7
M4VTO4;*.=8H8I-3OGGN9E7))8,[!%!;@9SUZ4 ;NM>);31;FUM&MKR\OKH,T
M5K9Q;Y&5<;F.2  ,CDD=:S3\0M$31#JDRWL,:7HL)8'MSYT4Y_@9!DYY'3.<
MC%4_&,6M2>(-/"1ZQ)H7V>02KHTJQS&?<-N\Y#;-N?NGKUKF=,\+:U%I\D+Z
M1<P9\6VVHK'-<"=Q;@1Y9G+'<1M.>3STS0!W-AXWTRZDU"*ZAO=+FL+?[5/'
MJ$/EL(>?W@P2"O!'K[5A7'CR2^\1>%[.QMM2L8=0NVW?;+0(MS (7;*DYQ\P
M0XX;D<8H\7^%-1\0^(-92!/+@N_#ILX[AC\OG><6"GOTQGCH:;-/KFOZ]X4+
M^&+VQCTZ[:6]EG:/:C>2Z83:Q++D]>/X?? !VFM:S::#I<FH7K.(4*J%C0N[
MLS!550.I)( ^M9=KXTTV2/4&OH+W2FL(1<7"7\.PB(YPXP2&'!'!)SQBI?&5
ME)J'ABZMDTF/5@Q0O9O)Y9D0,"=C9&' &5Y'('-< ?"^OZQI6NZ78?VS;Z//
M8J+:WUV=9'^U+(' 0Y9A'M7:=QZGCI0!W&F>-K#4=1M;&6RU+3Y;Q2UH;ZV\
MM;@ 9.TY/..<'!QVJ4>,=*/A2+Q&//\ L$LBQK\GSY:41#C/]X_E6'<-J_BW
M6O#PDT"]TJ#3+O[;=S7;1XWK&RB./:QWY+<MP,#WQ7.'3O$:> (?!R^'+QKF
MUO4:2[WQ^0\2W0D#(=V6)&.,#'.>G(!V>H?$#3;"_P!2LDL-5O)M-(^V?9+4
MNL*E X8G(&,'MSP>.*L7GC;3(/L"VD-YJ<U_;B[@AL8?,?R#C]X<D!5Y Y.2
M> *IZ;I%]#J?C>62V94U"96MFR/WH%LB<?\  @1S6!H&F:SX3DT/4Y=&N[V-
MM M].NH+78TUM+&2PX+ %3N(.#P10!TG@'7[CQ'I>IWL\SRHNJ7,5OOB\MEB
M5OD4K@$$#UY]:EU7QQI^EZM=:6+'4[V]MH5GEBL[;S,1MGYLY XQ]>>,U#X!
ML]2M-+U235+ V-Q=ZK<W0@+JVU7;(Y!P:=8Z7>1>/?$NH/;L+:ZLK2."7(P[
M+YNX#Z;E_.@!EC\1-%U&YTY8(=0^R:BXBM;][8K;R2$$[ QYSP1TQD$9XI+W
MXB:58M=RFSU.:PLYC#<ZA#:[H(F4X;)SDA3P2 0*Q++P[JT7@3P'8/9.MUIV
MH6LMW'D9B50^XGGMD=/6L'7]$\3ZUH6NV5]IVOWFL2O.(0EZL6GB/<=A55<;
MOEQ\K DMU]: /0=1\;V%AJ\^E16.IW]]!$D[Q65MYG[MLX;.0.WKGD8S2OXZ
MT@Z7I=[:+=WQU0,;.WM82TLFT?/P<!=O?)&*K^'],O;?QKK.H3VSQV]Q86,<
M3MCED$F\?AN'YUR5II/B73/#OANQFMM7CTZ,W9OHM*D1;@.TK-%DY!V8)^Z>
MXS0!V<?CW1VT>]U"9+RV:SN!:S6DT!%P)FQM0(,[BVY<8R#FET_QSIEYJDVF
M7%M?Z=>0VC7LL=]!Y>R%2 6)R01SV)Z'.,5P$/AO5K--0O3I\MK(FO6>H6-M
MJ%\KR786/9Y9E9C^\//!)PV .*NZFNH>,?&^H:=)ID^DFX\+W-O%]J=#)EY4
M&Y@C, N>!SDX- '8:?X\TS4+NSB-IJ5K!?MMLKNZMC'#<G&0%.<@D D;@,]J
MJ3_$[0[?[1+);ZE]CM+IK2[O1:DP6\BOLPS9Z9QT!ZC.,US.D>';JXN=!M9_
M#_B!)[*XBFNI-0U>1[2$Q\[HAYC!SD#:-N,'G%7+KPWJS_#7Q'IBV+F\NM7G
MGBBR,O&UT'#=<?=&: .IT_QMIE[>W5I/!?:=);VIO#]O@,(> '!D7)Z#C.<$
M9Z4S3O'6FZA>6<!M-2M([\XLKF[MC'%<G&X!3G() ) 8#(Z5D^,/"^H>(/$5
MTENGEV]SX=NK(7!/RK,\D953WY /X5BZ1X?N;F_T*&;P_P"((YK*>.>ZDU+5
MY)+:%HQP8AYC!SGIQC!.<4 =(WQ-T58Y+C[)JAL8;AK:XO1:'R8'#[,.V>F<
M<@'J,XJ?3/%-W>?$36= DLIUM;2"!HI/)P S>86+-GH< +QV-<_+X;U9OA!K
MFD+8O_:%Q<W3Q09&7#7+,IZXY4@UO65M?V/Q.U2X?3[A['4K*V6.[3:8XVB\
MS<K\Y!.X8P#0!LZ[XALO#\$#72SRS7,ODV]M;QF269\9PJ^P!))P!W-<QXA^
M(*0^#=>O--M;V#5M/BP]M<6X$ENS*2DC+G!3C.02.*T/%MC?IKGA_P 06-E)
M?C2Y)A/:Q,HD:.5-I9-Q )4@<9&037-:WHNM>);7Q?JR:3<6C7NDII]C:3%1
M--M+L78 D+R^ "<X':@#M_"WVH>&[:2\N=0N9W!=FOHDCFZ]"J  #T]B*X.3
MXBZG)H$FI217-D+?Q'':2$VH.ZV\XJR ?,2^U<-CG)XKU*!2EO$K#!" $?A7
MEZZ)K36\VFMI%RIA\6QZD)B4,<MNUP9"RG=GY5Z@@=1UH ['3O&FFWMQ?6]S
M!>Z9/96_VJ6/4(?*/D\_O!R05X.>XJ/3?'.FZC>6=NUGJ5FE]G[%<7=L8X[D
MXW84YX) ) 8 D=*Q_%OA;4?$'B+54@3RX+OPY)9)<,?E$QEW!3WZ=>.E9.D:
M!<7>I:%'-X?\012V4Z3W4FIZO));0,@.#$/,8.2>!P!@G- ';^-M1NM)\#ZW
MJ%C+Y5U;6<DL4FT-M8*2#@@@_C7'ZSK^H/XNTW3I?%ZZ!9R:(EXTC);XDF,F
MW&95/;G ]*Z_QQ876J>!=<L;*$S75Q921Q1J1EF*D <UR.J:;>6?C/3=2N/"
MMSK5FFA)9LD21/Y<PDW<B1@.@ZCUH ETOQK=Z;H?BN^O=0CUVPT8*;348D5!
M=,4R8\I\I*L5&Y?[WM5[^Q?'#Z2-37Q01K!C\T:?]EB%GNQGRNF_';=NSWK(
MM?!=WKX\5[](_P"$=TW5K*.W@LRR9,R[CY[)&2JG.T8!R<<UJ_\ "2^+QHW]
MFKX2O5U_R_*%R9(C9A\8\W?NSM_BV[<]J .WM7FDM(7N8A%.T:F2-6W!&QR
M>^#WJ6J]A%<PZ=;17MP+BZ2)5FF"A1(X'S, .F3GBK% !1110 4444 %%%%
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M_?;D ]LY[5PMIJ.J:;XEO[*/^W[.TFT&YNDAU:]6>02(5"R)AW*?>/&1].*
M/7**\ILEU/3-*\#:\=?U6YN]4N+6&\CN+@M#(DT1) CZ @@8(Y]<YKJOB-K%
M_HOA)I=,,BW5Q<P6JR1[=T8D<*2N["AL$@$G )% '65R2_$;0'T_[=']ODMW
MG%O;LEC*3=.=W^J&W+CY6Y''%<]I4.N1^(HM->'Q!::7?6DRW']IZI%+*KJ
M5DA99&<'J"!P,@\5S&B:!%+X8^&KG4=44W5V00EXX$?[F4_(,_+T[>I]: /9
M],U6VU>"66V$P$4K0N)HFC8,,9&& ]>M/U#4;?3($FN2X1Y4A&R,N=SL%' '
M3)Z]!7FG]L:M>3MI']J74$=]XJNK)[E)/WD4"(7$:,?NYVX!'3G%7=?2Y\,V
MSVUEXGN[C?J6GE;6>X,D]NCS!7RY)8H_(P?0\T >DT5X_/J/B#7=0\27,4'B
M(M8WTUI9OIU]!!;VXB  +H\B[R3\QW C!&*T[4ZOXF\6:=9:EJE]8Q/X=AN[
MFWT^ZV*TYD920Z$\?[IYP.2!0!Z)=W]I8&W%U.D1N9A!"&/+R$$A1[X!/X&K
M->,3Q7.L:3X7AO\ 5-0EDM/%<VG+.MP4D=$\X*S$8RX" ;NO)]37IGBZ_72_
M">HW;:B^G[(MJW20^<T;,0HVI_$Q)  ]2* -NL[6M"TWQ#9+9:K;?:+82"3R
MR[*"0".=I&1R>#P:\]T:\U'3_B!H-HB>([>RU&&Y66/6KQ9C,40,&5 [%"#U
M^[UZ5F:>^KP?#K0_%\GB+5IM2:[MU>.2Y)@>-K@1%#'T/RG[Q^;/>@#U^XG@
MTZPEN)<1V]M$7;:OW449. /846-Y!J-A;7ULQ>WN8EFB8@C*L 0<'IP:\TN[
M:\\3Z5XTU*YUO4+1[">[L[:""<I#%'$G\:='W9));/!&,5VGA20Q> -$D"ER
MFEP,%'4XB7B@#>K!N_&.CV6L7.F327!EM(#<7<B6[M%;)L+YD<#"Y520.]>7
MZ?J_BN\\-6GB>WM]>?49G2X\Z34+=-/9"^#'Y32C:NWY0=H;/.:L:WH4;W'Q
M3E^WZD##9I(%%VX5\VQ;##/S = #T''2@#U30]:MM?TU;^TBNHX'.$^TV[0L
MPP"& 8 E2#P:T#'&TBR,BET!"L1R >N#^ _*O(Y9]375=&\-VJZ_>6$.C1WS
MI87ZQ3R.[%?FD=U;8N.%4]QG@"IK?5/$<UGIF@7UU>V(N];DL_M37$3W0MEB
M,H1GC+!9"1MSUP,]3F@#T^^O[33+1KJ]G2"!652[GC+,%4?4D@?C38=1MY]1
MNK",OY]JJ-)F,A</G;AB,'H>G2O,O'.B+9>&M1L?^$EO;N-+RPFCM);HO-;A
MIU0EG+;F4]5#="N0?2YJ3:W_ &AXOLM+U&],VE66GW%DC3,Q9E#LRGU\P)@Y
MZYYH ],HKRW5O&M[>6^N>)-$N'.GZ3HR&%,Y1[F91)N8=#Y:%.#TW&DTA_$>
MGZUH4J6_B 17,PBOGU;4K>6&=64G=&HE)5@0" @'&>* /4Z*Y'XB7-]!HVFQ
MZ??364USJUI;&>$_,JO(%/7@]>AXK#MM"NI?'.J>'3XEUX:9'80WBJ+YO-$K
MLZG$OWMOR9VYQD]* .HO/ OAJ_U"6]N=+5Y9G$DR^:XCE8?Q/&&V,>!R0:Z(
M# P.E>16.O7>M>'?"T-WJ&N7E[-923366D8BFG"OL$LDVY=BC&,9&2?:J]MJ
M^NR^&WL?[2U*SGB\6Q::DDLZRW$4+!"49QD.1O/7/;KB@#V6BO+=6DU#PS>^
M*M,M-8U*>W'AJ34(6N[EI9()@9%RCGD#@''J*L6\.H:+JG@R]_MW4[N35I/)
MOHKF<O%)N@:3*IT3#*,;<<=<T >E45XA:ZQXJU;PY+XFMK?7_P"T7EDEAE^W
MV\=A&JR$"-HFE'RX&TEEW9R<UU^DV]]K?Q$UZ6ZU?4H;73);1X+&"XVQ;G@5
MF#@?>7/;IR3WH ] HHKSFWMKSQ3/XGO[GQ%J.EMIU_+9V@M[@QPVRQ*I\QTX
M#Y)+'=D8XXH ]&HKSO38;GQEKNMK<^(;^.WTXP06O]F7!@5]T*R&<[2=VXM\
MH)*X'>L?2=4UCQ5<>#[6ZUF\@CN;74%O)+.3RC<^3*B*V1]TG&<C!Y(&,T >
MN5R6M>%?"5H\^M:CIA8-,DLRH96CDD+ !FA4[6.2,DJ?4UROF>(3HVL:/8:G
M=W;6&OBW027HBNKBV\I9#$DS?QY;KG. 1FH+C7KBS\(>(8+6_P!>M+ZUN+)O
MLNJ-F>U629%.V7)+HV&[G'([T >O562_M)-1FT])T:[AC662('E%8D*3]=I_
M*O+_ !)<:Q9ZOK.H7USKWV"&;-MJ&C72R0V2*JDK-;9&2#DL2&X/:B]N3I?B
MSQEXDL+JYGEMM!@O(%,K&)RRS8RG=1@$#MSZT >LT5Y+I$WB6TO/#]Y'!X@)
MNIXDOI=3U&W>WGC<?,R1B4[6!^90@' (P:JW+:N? GB+Q3_PD6K+?:=?W9M(
MUN2(42.=@$9.CCJ/FSQ@#&* /6TO[2349=/2=&NX8UEDB!Y56)"D_7:?RJS7
M Z/IZGXPZ[=_:;O<-.M)/+,[;#N,HP5Z$#&0.Q)]:M>+]<F\*^(-.U>>XD_L
MJ6TNH)X2WR"5$\Z-L?WB(Y%_$4 =I69!X@TR>*W<7!C^TW+VL*RHR-)(I;(
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MO=1:&=[9]K-'Y,C$?IU['!'(H [*BO)SIFH--XUL?^$FUT6^B*LMAB];>K-
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M*QLVO43;-@;BOR,VUL9.UL'BJK_$*WC6.[DT35DT>2X%NNILD8CW%]@;9O\
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M98=(?S+-?,8^6VUEY.>>&/7/6L&T^)UC=VMGJ T;5X])NIUMQJ$D:"-)&;8
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M;E%+D8=N@.,<')% %^V^'WAZUNX9H[>X\FWF\^"S:ZD:VADSG<L1;:#DDCC
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MYOE'RL%L;=W3=WQZ5<H \QTS6-=M?'7BF2V\-R7LDT5BTD,5S$C02F#[K%F
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MKDDN?,=0,G@ YZYJ3QU8:M<S^'KW2=-;4'T[4A<RP+,D9*>6Z\%R!U85V%%
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M)W!< 8YKOKJU@OK2:TNHEEMYT:.6-QD.I&"#[$4^*)(8DBB4)&BA54= !T%
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MKRSMM0LY;2\@CN+:92DD4BAE8'L0:PM,\ ^&='OXKZSTP"XA!$+2S22B'/\
M<#L0OX8H Y>UL%\3Q^*M5U/5M0M[JPO[FVMC!>20I9)$!M8(I"DG[Q+ YSZ5
M2T1KOQKK^BKK-Y?)!/X8ANY[>WN7@664RD;SL(/0YP/;TKN=3\$>'-7OY+V]
MTU9)Y@HFVRNBS =/,56"OC_:!K3CTFPBU,:C';(EV+<6HD7(Q$&W!0.F,^U
M'D=E!=P>!-*\2OK&J3:I#J\=JLDEXY4PB[\G84SM8%1R2,D]ZV;;2H];NO&U
MW?:UJ,;V%_(MKY5])&MF!"C;PJL!U/?(^7W-=V/#6CC2$TH62_84G%PL.YL"
M3S/,W9SG[_-<W9?#G3KC5M>O=<LXK@WVH&>+9,ZAX=B )(H(##<K':<CGW-
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M&K+-.8UE"'"@M@XP&;H.:K>#/#@\+>&8-.;RC<%GGN6A&$,KL6;;[#.![ 4
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MMN=5.<D#L<9Q6'HUEXB\3>'/"-E>:9!9V%G]CO9;T7(?SUB4-&J(!D$G;G.
M,'&:SC\/;RPAO],B\*Z?J3S7$KVVISWA6-4D8M^]CR&)7)&%ZX'2@#L[SQLX
MUNYTC2=#O-5N8+>*Y+0R1I&8W!P=SL.>.!W_  -1+\0;:\M-&;2-,NKZ[U:*
M2:&V+I"46,@/N+'&03C SGGMS5G0= NM+\7:O>-'&ME/965O 4..8A(&&W)(
M'S+C-<JG@[4X?">B:;J/ANQUF"V-P9[8SB.>)WE+(\4N0,8.",@].>* .M?Q
M;)_9%K<IH&JM?7-PULM@T05U=<[BS$[ GRD[\X(QC-<_XB\>:C'X0\3M:Z7<
MZ?K>DQ*9(Y'B<1+("5E#9*L, \=>.E4/^$4\51:%IMO.MS>6,>H3S3Z2FILL
MHMV7$47GDC?L/)!.#G&3BHX? 6K'3?&UO#I5GIL>LV4*6<"7'F;70.")&_O'
M(.>1SU.,T =+_P )1;V6MRW&KF_L6@T,7MQ;R2H\,:"1AG"YS(<=0>F!UJ>R
M\:R27VGP:IH-_I4&IMLLI[AHV#O@L$<*Q*,0"0#Z8ZUB:IX2U?Q5<WTM[:II
MHO?#XL"#,LOE3B9G&<=1C:<CUQ5R6Q\3>);W0H=6TF#3;?3+M+VXG6Z67SY(
MU(58U R%).26P0!B@!/^%F)]@DU7_A']1_L>"Y:VN;XM'B)A)Y9(7=N90<9(
M'&>^#7>5YW)X1U=OA+J7A\0Q_P!HSSSNB>8-I#W+2+ST^Z17HE '"GQI::,F
MI2F+5;]FU\Z:L)9782M&K!8QQA.F 3U)R<5LZ%XG?5=5O=)OM*N=,U&UC29H
M9G20/&Y(5E9"0>5(([5SC>$=7-X\GDQ[3XM751^\'_'N(@N?KD=.M=%!I%VG
MQ%O-99%^Q2Z7#;*VX9\Q99&(Q]&'- %?XC:UJ.@>![[4-+1C=)L42*5_= L
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MNQ0>9'R5.23@#H.YH VO$&OV_AZPCN)H9KB:>9;>VMH "\TK?=49( Z$DD@
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MP7]E!>6L@DMYXUEB<=&5AD'\C7!R^-K'0?B5KUGK>JM!:"TM&M8G#LH8A]Y
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M]EC>-550@?*[F!8X)^4>GN*MW/C6.2XLK71=+NM6N;JS6_V1.D8C@;[K,SD
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M2^=M\@)R-O1-FW&/SJ".PLM6\%>)/$^JWEQ'KMK<7N+D7+HUBT3L(HT .%
M3C'S;N<YH ]>HKS_ ,&ZE<W/BW59M2D,<TFC:;<21N=H5BDA<@=N>M<MH,*Z
M_9?#RUN[FXDM+K^TVF5)V7SE5B5#$$$CIQZ<=* /6]7U:ST/3)=0OI"EO&45
MB%+'+,%48'JS ?C3XKTRZG<V7V2Y00(C_:'0"*3=GA3GDC'/'&17COB'3+6#
MPWXTT<"0Z?INKV#VD3RLPA\SR=X!)SM^=N.@S5SQ>7TZ/Q[;64TL,5KH^GK
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M&T93#%@3A<_*0,=* /;**\1U;3(W\'^./$+3W?\ :FGZQ=&RG%PX^S;)%("
M' Y)SQSGV%;NJV7_  AWBDMH/VCSI] OIY$DF>7SYHMA1V#$Y;+'GWH ]1HK
MQ/1[34K>P\,:W;P6=I<W5Q;F34Y-;DE>_$GWT:,IABP)PN?E(XZ5)=:+;W7@
MWQSKTTUVVI6&I:B]E.+F0&V\MR5" ' YZ\<Y^E 'K:ZM9OKDFCK(3>QVZW+I
MM.!&S%0<].2K<>U7:\YTO3K.?XNSW\L6;EM MYR^]A\[/(C'&<?=P/\ Z]=Q
MI-E9:9I%O:6#$VD*8C)E,AQ_O$DG\Z +U,EBCGA>&:-9(I%*NCC(8'@@CN*\
M(U:7=X63Q5INGW$>^]CDM];OM4(NILS@86)!MVD9&PD *.G%=:?#UCXB\7>.
MO[3-Q,EL\ MHQ<.BPL;9"74*0-V<<^WN: /28(8K:".""-(H8E"1QHH"JH&
M !T %4=(UNVUHZ@+9)5^PWCV<OF #+H 21@GCYAZ?2O-?#Q/BV]\*V'B&:6Y
MM&\.)>)$\K*+BXWA69L$;RJX//\ >)KH/AFEI86'B*&&[,EM'KUQ''+++N)X
M0 ;B<L>V>IQ0!WE%<?\ %%YD^'>I&">2"7?;A98VPRYGC&0:Y;Q!H@T[Q5HO
MA?3-.%SI4UM<7C6=SJ<L*W4X**=SD,7*K\VSIR3VH ]%\0Z[;>&]%FU.ZCFE
MCC9$$4"AGD=V"JJ@D#)+ =:@T/Q)'K=Y?61L+NRO+%8C/#<A,KYBEE *LP/
MYKRO5-,>7PEJMEJ MS!9:W9I:VL-^]R;,/)$)(BY"\<D@'INQVJSXCGN-!D\
M<QZ2S6ZJ^DVWF+*4,43*$8[^2O!QNY(SF@#V:BO);>VU;PWK\3:?I]CI7FZ=
M=.UC'JKW1NV1-T;A&0?,&P"V>0QJ[H&B^'E\.^%]=N-4NX]2U#R?,NEN'=KZ
M65/GB<<@J23Q@;=O!&* ._TK5K/6K(W=C(9(!+)#N*E<LCE&X/NIJ/2-;MM:
M;4%MDE4V-X]G+Y@ RZ $D8)X^8>GTKEOA/IUI8^$YGMHMCR7]VK_ #DY"SR*
MO4\8%<W;:%HM[9^/M4O+J5+RSU.Z>.5;EHS:%45E=0" "3W[X [4 >OU1O\
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M"6[4 >MZ/K=MK:7K6R2J+.\ELY/, &7C."1@GCT_E6E7'_#[_4>)/^Q@O?\
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M@/PHC2,N@V/[PY(\O@'.<J.B\C/&*VK>PM;6XN;B"!(YKIQ).ZCF1@H4$_@
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MI6N=)O5L_LBR?-.6V%&4XX!5\_@: .GDTNRDEM9C;1F:T1DMW(YB#  @>F0
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MM!8."5P!@#'4YKT&B@#AO"_A6:Q\0_VF_AK0=#@C@,:Q6*K)-(Y(RQD"+M7
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M#4KE[J"\U# DM7?E@XV-O4-DC!'7%>I44 4M(L?[,T>SL?W7^CPK&?)B$:9
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M<C=RW)%>S1:3IT!B,.GVL9AA-O%LA4;(CC*#CA>!QTX%4[3PEX<L&+6F@Z9
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M([$=* +E%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MV4NWYK54D5E6(_P $DX7'4T >VSW=M:[?M%Q%#N.%\QPN3[9ITD\4*EI940
M%B68#@=3]*\K\0/IVI>+/$>_3M!)LHHHKJZUZ4R%5,>X>3%CY5PW)##<U9OA
M>PM=>/PVAU2%;R%='NV,<XWJQ5H@ P/! XX/<#TH ]F6>%XDE25&C?&U@P(;
MZ'O20W$%RK-!-'*JG:2C!L'TXKQF]TVU6PU318XA%IR^-+6%+>,[51'$195
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MSRE _EIM'& 1\Q[GI0!=U+PY<:IKVF2SW<"Z-ITBW$5BD&&:=00I+YQM7.0
M.H%='7 :9J.OW?Q6*7$4=M9MHL,SV<DK,\.YWSP/EW[Q@D<;0*[XD*"2< <D
MT 0_8K3?</\ 98=UR LY\L9E & &_O<<<]J3[)9A+>(V\ 6 @P)L&(R!@%1V
MP#CBN$_X3K73X=/BY=*LCX<!+^5YS?:S;AMOF]-N<?-M].^:AT6RN=3^,>NW
M]];Z?<)8PVXMI27:2!'63;Y>> 2/O?I0!WITG33<27!T^T,TK*\DGDKN=EY4
MDXR2.Q[5-):022M*T4?G&,Q>;L!;8>2,D=,\XZ5-7GFGV>J6OQBBDU35#>23
MZ-<.D:1^7% OGQ *BY)^K$Y/MC% ';Z7IUOH^E6NG6N?(MHQ&F[&2!W..,_2
MHVT+1VNY;MM*L3<S*5EF-NF]P1@AFQD@CCFO)=0FT(GQ?+XAN9(_%D-U/_9P
M,CK.D8&;?[.!VQ@_+WSNXKIIM/M?$/AK2O%.N6%]K;2:7 4TN!0561U#-(JY
M W'(&2> .* .^BM+:"1I(;>*-V54+(@!*K]T9'89.!VS4,NDZ;/8?8)M/M9+
M/.?L[PJ8\YS]TC'4DUP/AWQ#>1?#O1+"RNUO-?OO,MX/,+,;?:QW-+N /[I<
M YZD ?Q5I_"V!K7PS?6SW$MPT.K7L9FE;+OMF8;F/J<9H Z^UL;2Q4K:6L%N
MK8R(8P@.!@=/0 "HK_1M+U1XWU#3;.[:/_5FX@60I],@XJ[7.>)]:U/2Y;:.
MR338(9%9I;_4[D1PQ8QA< [F8Y/H  >: -X6T G6<01B94\M9 @W!,YV@^F0
M.*@GTG3;JVEMKC3[26"9S))%)"K*[G^(@C!/O7 K\3IV\)2:EY.G&:+5O[+D
MNTG9[-. WGEP,[,$#ZD<UU?A;5]0U>UN'O5TZ1(W @O-.N1+!<*1G(YRI!X(
M/X4 :2:-I<<)A33;-8C%Y)00*%\O.=F,?=R2<=*L);P13231PQI+(%#NJ@,P
M'0$]\9./K4>H7$UIIUS<6]JUU/%&SQP*P4R,!PN3P,^IKB--\=7_ /PE>E:-
MJ,N@3G4O,7R]-O#)+:LJ%\.#U'!&1CF@#M+W2=-U($7^GVEUE0I\^%7R <@<
MCIGFI'L;22R^Q/:P-:;=GD-&#'M]-O3'M7G0^(/B7^P8?$(T73WTUKXV7DBX
M83R'SC$'4XVJ-V!@Y[GBM"X\=:AX=FUJ'Q-9V>^PT]=1B:PD8K(C.4"'>!AM
MP STY[4 =I8Z=8Z9;_9]/L[>TASGR[>)8USZX  I\MG:S2-)+;0R.T9A+.@)
M*'JN?[I].E<)I'Q!FDUW3+#4;G0+A=38QQC2K[SGMY I8+(.X(!&X8&>W-5H
M/'WB-_#</BB72=.71OM(@EC$[^>5\[RC(O&T8/\ ">N.HH ]$-I;,L"M;PE8
M"&A!08C(& 5], D<5&-,L!-<3"RMA+<KMG<1+NE'HQQ\P^M<AJ7B+7M3FU^#
M0M/LI;'2]UM,UQ*RR3R^6&98\#"X# 9;J?3K6#HOC9M)\,>$M#MKC2K:[ET6
M&[EN=5N?*B1,!0!W9B0>,C !- 'I-GHVEZ?;RV]EIMG;0S?ZV.&!45_J ,'\
M:H:_X:BUM-'B#10P:=>I<F$Q!ED14=/+QP ,/[].E<U:_$>;4M+MX=/M;*XU
MN;4FTQ4CN=]MO5/,:4.!DQ[.>F<G'O3_  S)JS_%#75UB&WCN$TRU -L[-'(
MN^7# ,,CN,'N.M '90:/IEM8/80:=:16;YW6\<"K&V>N5 P:FNK.TU"W>UO+
M:"Y@;[T4R!U/U!XIUS.EK:S7$G^KB1G;'H!DUY/=W&LI\.]#UFTEB2_UO5K6
M\NW=V7=YLJ^6F5_@"[$(_NB@#U*+2]/@L#80V-K'9D%3;I"HC(/4;0,5%<:#
MH]W:P6MSI-C-;P<0Q26Z,D?^Z",#\*X*SN?$\?CSQBND6NFR2H+.29KJ5PA;
M[./D0*,\\\GIQP<\6)_B:MQ9Z"MD=-L;K5;+[<\FJ77EPVZ @8SP78L2 !C@
M$T =Y<:=97=E]BN;.WFM< >1)$K)@=!M(Q2VMA9V"E;2T@MU( (AC" @# Z>
M@XK"\&^*U\3VMZK_ &4W5A<&WF:SF\Z&3@,KHW=2#T/((([5I:[I<NKV$=M#
M=_9F6XAF+F,2!@CA]I!(ZXQ0!;EL;.X:5IK6"1I8_*D+Q@ETY^4YZCD\>]/:
MVMWDAD:&-GAR8F*@F/(P=I[<<<5Y)XNT>VTO5/!&F:S;7.OP*=0:6.VMOWDQ
M(5@=BGDC(R<\X)/6NC\*6&AP7-Y/X>\(WNCZ@MLRI-J%J\4;Y(PN=Q[@9QZ4
M =M=V5KJ%LUM>VT-S _WHIHPZM]0>*CM=+T^QV?9+&VM]B>6GDPJFU<YVC X
M&><5R6@^.[K7M0CLTTPVKV,3MKC39Q:2#($:?WR2I;/3;@]3BG:/XE\4:O;:
M=K,6BV;:-?R+LA2<_:HH6.%E;("GC#%1S@]2: .R:WA>=+AH8VFC!5)"H+*#
MC(!ZC.!^51M863030-:0&&=BTL9C&V0GJ6&,$GWKRC0_$?B#P[X/U/5X["QF
MT>QU.[,PDF<3RH;AMS)@;1C/0YS@].*Z[Q)XFU;2]0GB@;0M/M(8E=+G5[SR
M_M+'.0BJ<@#&"3W/ H Z2?1]+NKZ.]N--LYKN+'ESR0*TB8]&(R*DBT^R@,1
MAL[>,PAEC*1@; QRP&!QD\G'6N(@\>ZKJ\/A8:/IEKY^NV<\Y^U3,$MS'LSD
MJ,L/F/89XZ<TY?'FI1:9<V]QIMLVO1ZLND1Q1S,())64.K[B-P7822,$_+[T
M =L=/LF+$VD!+2B9B8QS(,8<\?>&!SUXJ3[/#]I^T^3'Y^SR_-VC=MSG;GKC
M/.*X:7QOJV@ZMJ%GXDL;-8K+27U+[19.Q$H5PNT*W0Y)'.>W/-5M+^(\TFJ:
M3#J$^@2Q:K*(4BTV_P#.FM9&!*B0?Q#C:2,8)% '<6NBZ58W<EW::99V]S+_
M *R:&!4=_J0,FK4%O#;1^7!#'$FXMMC4*,DY)P.Y))J2O*OB+.FO^(SHL6J0
MV,FC61U&-GG6/=>D_N%Y(Z!6)_WA0!Z7?Z;8:I (-0LK:[B!W".XB610?7!!
MI)]+T^ZL18W%C:S6:@ 6\D*M& .GRD8KECX[-YX5\/ZAI-K%<W^N.D-O#)(5
MCCDVDR%R 3A-C9QR<5C>-=4\80>$=0BN;6SM9H;NT"WEM,XCGC>500H^\I!P
M&!X*L<'M0!Z&FGZ?%;16D=G;)!"P:*%8E"HP.00N, @\C%2_9[=I_M/E1&8I
MY?F[1NV9SMSZ9[5S2>#8I]>BUV\:(7YGAN95A5MN^.%H^"3_ +9YQT &,Y)9
MX8F-AXI\1>'1_P >UN\5[:K_ '$G#%D'L)%<C_>QVH W[+1-*TV262QTRRM7
MEXD:"W5"_P!2!S27.AZ1>6L-K=:78SV\/^JBEMT9(_\ =!&!^%7Z\Q^)*Z;)
MXX\)IJVF7.IV9@O=UM;V[3LQQ%@[%Y.* /0Y],T^YM8K:>QMI;>(@QQ21*R(
M1T(!&!BF3Z+I5S?I?SZ99RWD>-EQ) K2+CIAB,BO-O"$>FWGCV"Z\'Z7>:9I
MEG%-#JZS@Q+)(0/+3RF.0X.3G XKH$\<7+?#>S\4?8X?/GFBC,.X[0'N!$3G
MKT.: .S6WA2X>=88UFD 5Y H#,!G )ZG&3^=5Y-)TV:U2UET^T>WC?>D+0J4
M5LDY Q@'))S[UYX?%">%;WQG>NL<DLNMV]K;K-*(H_,>"+!=S]U0,DGT%;/A
MOQNVH^)#H5Y<Z-=SR6QN8;C2;KS8R%(#(P/*L,@CL1GIB@#M6571D=0RL,$$
M9!%5QI]DL=O&+2W"6QS HC7$1QC*C'R\>E6:\\FL]4MOB]HEQJ&J&Y6YMK[R
M;:./9%;QJ8]H R2S$-\S'KQ@ "@#O&L[5FG9K:$M<*$F)09D4 @!O4<G@^II
MEKIMA8[/LEE;6^Q/+7RHE3:F2=HP.F23CU->>0Z':>,)/&&I:H)'O+6^FLK&
M42,ILUBC7:T>#\IW$L3WK,T^VM/'7B7PE+K]JEX)_##7$B/D R^9&"W'U/YT
M >G7FAV%XEM&T*QQP7:WH6-%4-*I+ GC^\<DC!/K@D'2KSR&SM/ OQ!TVQTV
M5K;1M5LKEY[628F*!X0K>:NXG;E6(/;BNLDU*/6]-ND\.:SI[W:@*)T9;A82
M3U*JW)P#@$]10!-!H&C6M\;ZWTBPANR23/';(LASU^8#-1-:Z#XC_?2VMAJ/
MV:5H@\D*R^6ZG# $@X(/I7&^#;#5?^$:\5:?9ZF\FHC6KB(7MT?F/$89OE'!
MQG&!@'''%=!X'TN^TC3[^UO+6WMHQ>R- D!)79Q@C/;CB@#>O=-L=2MOLU]9
M6]U!D'RIXE=<CIP1BFRZ3IT]E'93:?:R6L1!C@>%2B8Z84C Q5#Q=KDOASPU
M<:I#"DSQ20H$<D [Y40]/0-G\*BU7Q#-I_B>QTI($>.XL;FZ+DG(,6S ^AWG
M\J -=M/LGMYK=[.W:"=BTT9B4K(3U+#&"3[U'!I&F6U@UA!IUI%9OG=;QP*L
M;9ZY4#%</IWCGQ%+IOAW6[[2M.BTK6)X+;RXIW,\;2_*K\C;MW=NN".:@\3^
M(M?UKPIXMFTO3[(Z/:Q7=DS2S,)Y2B,LDB8&T!3G /)VGID4 >CO;P22Q2O#
M&TD.?+<J"4R,'![9''%2UYLWCE[ Z;H5E=:-:30Z7;W$]SJ]UY2?,N%1 .6;
M@DGH!CKFGI\1M0U2RT1=%T^RFU#4+NXLI%DN"T,4D*DE@ZCYDP-P('((H ]"
MAMX;=66"&.(.Y=@BA<L3DDX[D]ZKV6D:9ITLLMCIUI:R3',KP0JA<_[1 Y_&
MI;,W1L8#?+"MV8U\X0DE ^.=I/)&>F:XR]NM:_X6_#:Q2P?V?_8TDAB:1_N^
M:@9L=-^< >U '3KX<T-9O.71M.$N[=O%JF[/KG'6M.O(O!?B/Q!HG@'PO=W-
MA8MHTKPV9Q,YN0)'V"3IMQN(^7KCO6KJ7Q*E34=72PGT"*#2IF@>'4;_ ,J>
MZ=!EQ&O\(S\H)SDCM0!Z115'1M4@UO1;'5;7<(+R!)T#=0& .#[\U>H ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MR7$END\33Q &2-7!9,],CJ,T <:_@O5'TRTG.JVPUVTOVOX)5MMMNA92AAV
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M1;?98O*MA;Q0Q%MS80$\D@$DGM0!YMHB6D__  AL=GK?A\317,+0P:9IK"[
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ML75JUQ,]LZV[0H(RY(5%8D[ <[>>F*ZF>TMKF)8I[>*6-3D+(@8#\#4H
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M5/(VH6LNZ.*8J1'&I PSGD\'C%<T\WAB?1/!<'A<V9UE+VU,:6P7SXT&//\
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MSZ[17,^&;VVTNV^'%[?W,=M91QZE;>?.^U$)8!%+'@<(0,^E>RK%&C%D15)
M!(&,@=*9):6TMO\ 9Y+>)X?^>;("OY=* /'+S6],N+;Q==BWMM0L;OQ!9Q(]
MQ*R6P_=Q 2R,O6(%<^C<=C40N%?Q?KP6^T:Y9O"MT)#I%N8X0P9<*6W-O8 ^
MV 1Q7M)MH#&\9@C*.,.I0888QR._%(EG;1(J1V\*(JE554  !Z@>U &9X0_Y
M$K0?^P=;_P#HM:V:15"*%4 *!@ #@"EH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KDO&,IO-6\.>
M'3_J-2NVDN1_?AA0R%#[,P0'VR.]=;7)^,K=[:\T+Q&BEETB[)N !G%O*ACD
M;_@.58^RF@#C?$,FKO=?%%+BXMWLX]*0",*^Y089"@7+8'?=QR>F*Z'2M>\1
MZ;?^&K36(-,^PZM&8HUMM_FV[+$9 &8G#Y"D' 7!JSK'@J\U'4/$<MOJD,5I
MKU@+::-[<LT;JC(KJP8<8;D8_&M6]\-M=WOARX^U!1H\C.5V9\W,+1XZ\?>S
MWH X$_&+_07UM;_P^+!93C2S.?MS0AMN_.[:'Q\VS;TXSFO2M<TPZ]H-S81W
M36WVA!MF5 ^WD'[IX(XQ@\<US%KX*US3;$:'IWB&*VT-92T96U/VN*,MN,2R
M;MN.HW%<@5W72@#SC6]);2/$'A*)KIKCS_$-Q<@L@4IYD<K;>.N,GDUT/Q!N
MX['P1?W$MI!=HC0Y@G!V-F5!S@@\9S]165\1"ANM$DCU&6RO;&X-W$XTJ>\1
MOD9,$1CC[W<U@:AK$FN:!?Z5K.O2RI<>48GM_#-Y'Y9617.<@YSMQVH T]6\
M>:I;^)]1TNWGT2RDM)%6"RU-GBEOE*J=R2Y"*"20.&Y'.*9?W6KI\0_$1F:T
MET^+0%E:UD5SE#YO'#8R6'S'NN._-9GB&_AUH:E8_P!L3R:5J!),=]X:NYY;
M3*A6\EMH Z9&1P:DN+O21J[7%CJ>HQVDVD#2IXI]"O)'*J'V.KA!@Y?G(.<>
M_ !J:9XCUVZDT'1-"L]*M4G\/P:@7G61D@!PNQ5#98= .1CG)/2I+;QSK%]8
M:?806=DOB"ZU&YT]][,;:,V^[S),?>(P!A<@Y/6J&AZEH>CZKIUZ;W4Y19Z)
M%I10:)=C>48'?G9QG'3]:R+N_P!%TZ.*X@U#5H+V/5[K48=0_L.X,5L)MQ9)
M58 LA!VY4YS@\4 =YX<US7+KQ1J^AZU!8A["""6.>T# 3"0OSAB=OW ,<\@\
MGBN6\9)IC_%BS&J^'I]<@_L-RMM#:+<%&\\?/M)XXR,^_O57PAXIMX/%^OZQ
MJ-[?WT-[!:I!=0Z-<I&Y3S-P10K$*-P'S').36VWB'0CXY3Q']IU/:NFM8^1
M_8MWDDR!]V[R_;&,4 9/A![5_$&L>(?#&CMI&BVNGR6]Q:RA8_-NT;<,PJQV
M%0""3@G=T[UU#>+KP>%?".J^1!YVM3V<4Z8.U!,N6V\]NV<UA2ZCX?'BVYUF
MTN]4@M]1M3;ZE:?V+=D3D#"2 ^7\K@$C.#D?G6+:N@M=!TZ\\0W<NG:'=036
MR1>&[Q))5BX42,5(R%XX ]3F@"];>+E\*Z;JP1[..YO_ !3>6\4M[)L@B&=S
M.Y] !T&,D@5=@^)MP+3788VTO6KW3[-;R&;2F8Q2H6V$,N692AY(!.5/&*SI
M6T7R)9;;5-3AU%-9FU:TN#H-VRQF3(,;KL^92I(."/6K::Z;JVU)[_Q+JL-[
M=1I';G3]!NXX;7:=VX*R$L2?O9/(XXH U=&U2X\;V.I:5<ZCH6I:?<V94W6F
MDAHF;Y2CQ.S'H<@G'3D58UWPO!I/@S79-.;R[M)&U6!P,>7/$B[<?41@'UW-
MV.*R/"\MK>^.(M6O;L/J36SVL2VF@W-G&X)#,TKR Y/R\ D >Y-=7XXFG'A.
M\L;-=]]J2_8;91_?E!7=]%7<Q]E- &MI-^NJZ-8ZBB[5N[>.<+Z!E#?UJY63
MINEW6F2VEO#>(=*MK%+9+8Q?/YB\!]^>FT ;<>]:U !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M7_8;'_HF6@#M**\SN?%'B^32O$^M6L^E16FA7EU$MM);.[7*0G)R^\;#MX&
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MNWXP-F>">N*@B^)5W:66LQ&6UU>XM4@-E=PP/!',TL@B".K$X*L03@\J>QH
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M5SC;P#C)QF@#TJBO-AXD\83Z-KVOPRZ6MII%W=HEFUNQ:YB@=@27W_(VU<#
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M&R <Y/3&!5[PGX=F\+Z4VF'43>6J2NUL&A"-$C,6VD@_-R3SQ5C5?$^AZ)'
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M-2?3DUFS-Y&LC/%YHR@C)#D^F"ISGT- &-I_@B^LET^P?Q'<2Z)ITJR6UH(
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MEB;B28F3F!#T7& V""3D<5R^F+=6'@V?Q$EO>376C>)9[LI)!Y<TL$AVR?(
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M<8VX[FI$\$/)K#:MJ&N7E[>/8RV+%HT1!&^#\JJ!@@C.><YY[8 ,71-:USQ
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MW'C+4+R)<Y@EM+=5?@@9*H#UYX/:JUO\/[&TBL)8+RY75+2\>\;43M,L[O\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M6W10!B?VQJW_ $+-[_X$V_\ \71_;&K?]"S>_P#@3;__ !=;=% &)_;&K?\
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MD/54CA+[<'KGYSGZ51\>:5>:SI%A:V7GK(-4M9&E@(WQ(L@+.,\?*.>AZ=*
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M?AF6YUA]6TS5KG2[R:!;>X:*-)%E122I*N#AEW-@^_.:;IO@ZPTJYT>6UEG
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M(H%O[2!9]/BT4ZM<MGYE#8$48[!F(?.>FVJ6C_$&ZN=4MK.YDTRZ-W!+(OV
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MCBU*2&X\N,V0,%Q$$"2HWFY!'EKP<CK4BQZY/#>_VA8>,KBXN85A2:*6S@$
M5MP**DV-V>I.<CCIQ0!HZ/J)\=V-[I]UJ&DWEO&\$HFT\NCJ5DWE'B<[D.4&
M"3SGIQBNKT72HM$TF'3X&+1QER"?5F+''MECCKQ7+^%+.^_X22XU+5;#6?MT
MMJ(/M=Y':QQB-6R%"PN26).<D=NU=O0!YU/X\UFSTW6M9N;33AIMC>RZ?;QA
MW$LLHG$2,QZ*G//!/!(]*H7_ (XU*_T3Q#IT-WIL]TFCSWD5[9)*B(%&'0AC
MD/@@JP.#Z#%=BW@VQET'4=(EFG,5[>27OF*0KQ2-)YH*''!5L$?3FH_^$2N;
MJUU*/5=?OKY[VR>Q!*I&D2,""P10%+\_>.>F!@4 <=I_B5O#%M8>'+)M$TZ6
M*QCO+B:>.4QNTA.U553G<0N68GOT-:]GXVUO7Y]%M]%L;&&6_LIKF8WA<K$8
MI5C8#;@L"3QTX(/M6W<^$76\AOM*U>YTV\6T2SED2-)%FC3.W<K C<"3@CU(
MYJQIWA:#3M2L+Y;V[N);.QDLPUS)YC2!W1R[,>2<I].>G2@#GM)\<W]]XG73
MKAM+MG-U)"^FSF2&[1%+!9%9OEES@'"CHW4XK3^)-Q?VG@+4I].G$$ZA,R98
M$*6 ."""#S_.C_A"3+>VAN];OKJPL[S[;;VLRHS)(&+*#+C>5!/ SG@ DBMK
M7]&A\0Z#>:3/+)%'<IM,D>-RG(((SQU H P&UOQ-?:GJ.GZ5#I1DTI(ENGN!
M)B>=HP^R, _(N"OS'=UZ<5O>']9C\0^';#5X(S$EY LHC8Y*$CD'UP<BL>7P
M==&YGNK7Q%>VES>PI%?R111?Z057:) "N$?;QD<<#CBN@TO3;71]*M=-LH]E
MM:Q+%$I.2% P,GN: /)X;SQ'+9:+(\]M<WA\67446]G"C N5.XDDE1CA1V '
MO707WC_4-$L]2MM4AL#J=KJ$%C'+&76W;S8Q(KL#E@%7=D#.=O'6MFU\$16U
MY%+_ &E<R00:K)JD$#(F(W<2;UR!DJ3*3SR,"I-0\%6>H7.I7)N[F&YO+F"[
MCFBVAK>6% BLN00>!R"#G)% %?PCXNDUS4[[3;B2SN9+:-)DN[)'6*16)!4J
M^2K*1ZG(8&J7B[4+O3OB%X6DM-.N=0<VM^#;V[HK'_4\_.RKQ]>]='H^BW.G
MW-S=WVKW>HW,X5290$CC5<X"1KP.IR>2?PJ2[T2&[\1:;K+2NLMA%/$D8QM8
M2[,D_38/SH X*X\67&G^-=6UG4=&O;%;'P[Y@M9Y8V:4B8X(*,P&2<<\UMW.
MN>(-/N+:PUZ#3]FJ6\ZPO9%P8)4B+[&W$[@5#?,,<CIS6OJGA*PUC5+R\O6D
MD2[TTZ;+#T4QERV0>H/-5;?P;(;R"YU36[S4VM(9(;03)&GE;UVLYV@;WV\9
M/J>.: ,'PIKFMW>B:'H^B1V)DM-"LKFZFO2Y#&1"$1=IX)V,2QSCC@UD^&]<
METOP_I%PUG')>0>'M1NQ))(Q*F.5#LX.""<9.,\<8KL(O WV".P.DZS>6$]M
M81:=++&D;^?%&/E)# @.,G##^\>#4=O\/+&WTZWLEO;EDATNYTP,V"Q2=@S,
M>/O#;Q0!6MO%^M65UIDNN6U@MCJ5E-=(+0N9+?RXQ(58MP^5)Y '([TVV\4^
M)A_PCEY>6>F"PURX2-4B9_-ME>-I%#$G#G"\D 8/8]:WKCPQ;3/I$C,TO]EP
M20QQ-@+,'C$9#<>@[5PVDZ%J]UJOAFV,.NP6>D7'G/!J'D^3;(L;J$210&F.
M6 5CG"@YZT =A\0-1N],\'74MC,UO<2RPVPG7K")94C+CW 8X]\5 ? .AZ=)
M:7NFO)IEY;3([7BRDO.,X9)2Q^<-TY[GBNBU72[36M*N=-OXO,M;E"DBYP<>
MH/8CJ#V(KG5\$W%Q):1ZQXCU#5+"TE66*UF2)0[(<H96509,$ X.,D G- %&
MZ\8:[_9VKZ_9V=@VBZ7/-&\,A?[1.D+%975@=J\JV 0<XZC-5]5\<:[;KXCO
M["TTY]-T-HV;SB_F7"-$DA"XX4@.>3G/''>M6[\!I<B_M(]8O8-'U&9I[O3T
M5,.S'+A7(W*K'D@'N<8S5J\\&6=YI_B.S-Q*D>N$>;M _=8B6/Y?P0'F@#%U
M'QCK^AC6$U*TTYYK?1Y-4MA;E\+M.#&^3\W)'S#'?@5H1>(==T_5K*SUFTL&
M&HV\TMLMJ[*8I(U#F)V8X.5)^<8&0>*;XW\,/J6E:S?68EFOY=%GT^*W7&'W
M'</QR *='X&6\B_XG6K7VHXL9+*!9 B&!)%"N<J!N<@ ;C^7)H R]#\?7=[X
MFTK3)[K1;Q-1$@8::SN;5TC+X,F2LGW2,C'/.,4:/XT\175AX=U>^L]-33M8
MN5M?)A+^=&S!MK[B<$$K]W' /4UK6/@F6WU#1;RZUV[NSH^Y;6(Q1QQ[6C,9
M#!0,G!'.>W &35FW\&VMMH6AZ2MU,8M(N([B)R!ERF[ ;V^;M0!GVGC*\N;;
M3K4VL UF;59-/N8!G9&(BS2..<X\L!A[NM:OC75+C1O"&H7EHP6ZVK# Q_AD
MD=8U;\"X/X5DZ!HK7/C_ %CQ/+875E&T:VT$=S@%WP!+*%!. 0D2@]2%/K6]
MXIT9M?\ #-_ID<@CFFCS"YZ+(I#(3[!@IH P-:U>3PDNG:/8WFD6%LEM\DVH
MR,[RL#C:L:L&8]RWJ>YK+D^(]])H>AZ@8['38;^*5IKV[BEDMXY(WV>7\N"N
M[YB"Q& .YK>_L"ZU:_M_$4-]=Z-J-Q8I;74(BC<J 2V!N!VL&9N1D'C@TRS\
M#RZ5IMC::3K]_:FT6:/<X2594DD+X=&&"P)X88/KG- &_H=]+J>B6=[-]F\R
M:,,WV682Q$^JN.HKSWQ;KFO:UX.UN]LX;*/1XKLVJ@LXN'$<P1I WW0-RGY<
M=._:N_\ #^B6WAS1+?2[1I'BAW'?)C<S,Q9B<  9+$X  %<_J/P_6]AOK*'6
M[ZUTJ]N#=2V4:1D"4L';#%=P4L-Q7/7/8XH R=9^),]KJFL163Z8D6E2&(V]
MUYGG7;JH9@A7A.NT9#9(["L/Q#.^H:YXCUZ\M+.]M++P_#<VT$XD5T219C@$
M,-K'&&([8QBN\O/!LDEYJ$FG:[?:;;ZD^^\@MU0[GVA2R,03&Q  )'ID8-/U
M+P79ZBFLJ]U<(-4T^/3Y.=Q1$WX8$\D_O#U]* ,K4/%'B,7OB&+2[73!;:)%
M'*QN3(6F#0B0H-I^4]?F.>HXZU5U#XCN^H1VEC-IMCBQANY'U$2/N:4%EC4)
MC& .6/J.#74#PQ;A]>;SY?\ B<QK'+P/W86+ROE_#GFJ)\%O:RPSZ1K5UIUP
M+.*RG=(XY!.D8PC%6! <9."/7H: ,_3_ !GJOB633[?0[2TMIY-/%]=&^WLL
M>7:,1J%P3ED?YO0 X.<5>^&CSR>!;5KI=LYN;OS%W;MK?:9<C/?'2I9/!OE2
M65QINM7]I>VUK]C>Z<K.\\6=WS[P<L&R0>V3VXK3\-Z%%X;T*'2H+B:XCB>1
MQ+,078O(SG)'7EC0!Q,&H^(M-U'QOJ&G0V,UE97YFDCN&?S)MMM$S(A'"8 R
M"0<EN@ZT_4?B6SZG<6VF3Z9;1VUO#,?[0$A:X:2,2!%V?= 4KECGD].*V;SP
M*US=:P8M>O[>TUB7?>VT:QX8;%0A6*Y7*K@D>O;&:GNO!Q6^N+K1M8NM(^U0
MQPW,<$:.KA%VHR[@=K!>,CL!QQ0!RS>,O*UF[\1Q6DK&?P]8/#9R-M/FRW$J
M*I/;YF )QT%:FK>*O$OATS6^HVFFW5R]A->VK6@D56\G:98V5B3G:V58'D]J
MU+KP)IMX+A)[B\=)M.AL,M+EU$3LZ2;SR7W-G)[@5/I_A9XM5&IZMJMQJMU'
M;M;0F:-$2.-B"^%4 %FVC)/I@8H P[OXDQVVMZK"($?3;736NK>X!.9IE2.1
MHQ_P&:/'U-7EN+O3_&>A/<JD<NM6+Q7L4>=@GB4.K#/L9%]P%]*K0?"[2(=&
MTK3?M-TZ:=??;!(S M*/^>;^J8"#Z(*UKO3KG4O&UM>-&\=II=I((9,?ZR>;
M )'LJ+^;^QH Z.O'[Z\U][;5&DG@N)(O%]K%;1EG4!@T.%)).$Y7@#^]ZUZC
MHL-];Z)90ZG/Y]\D*B>7CYGQR> !^0%8DG@B)[^ZF_M*Y%O/J<&J?9]B82:,
MJ3AL9PVQ<@].U &5?>.=2\.P:]%K5O937>GQVTD#VI>..7SW:-0P;)7#*<GG
MCMVJUX7\9S:KX@;2+F;3[PM;&XCN=/2144A@&C8/GGY@0<\C/ Q6EJG@VPUB
M[U6>ZFG']H6\$#>60IB,+LZ.AQPP9L\\<"K&DZ%>66H/?:AKEYJ4QB\E%=5B
MB1<Y)V( "Q/\1^@Q0!S'Q*CBGU?PG!/IMQJ<$EY.'LH& :7$#D=64<$ \D=*
MH^&;PZ+K7B..STNYTJ.+3X[FVT?4+@*'92X:8.69$0DHIPQQC) XKLO$?AM]
M=N--NK?4Y].N].E>6&:&-'.60H00X(Z,>U9<WP]M]1@U(ZSK&H:C>7UI]C-S
M((XS#%NW8144*/F )R#G H RK#XA7;ZC-:/<Z/J2G3;B\CFTX2!$>(+E&+$A
MP=W52.G09%:&C^*=?EO_  X=4M=.6TUZ%GB2W+^9 PB\T;B>&! /0#!]>M66
M\$275\E]J6NW=W.EG/9*/*CC18Y0 <*HX/R@YS6E'X8MXSX=(GE/]AJ5AX'[
MS,)B^;\#GCO0!QWPJ\3RZQH^FZ39"-H-.LU-]-.3O9V+;5C'<#!RQXR,#/..
MH\<7DUOH4-G;R-%-J=Y!IXE4X*+*X#L#V(3=CWQ3-+\$6FD'0Y+2[G2?2H6M
MO,P,W$+<E)!W ;##T(]S5KQ?I5QJN@G[$H:^M)XKVU4G :2)PX7/^U@K_P "
MH P_$OBBY\.W9TZQN-#L8;>U5H(;MFDEGQD;4CC(95  &X@]>!Q5"_\ B->K
M;Z1<1C3M+M[_ $R*]2XU)9##)(_/DB1<*A'&6;^\.*WI_";7VI7NJVNJWVGI
MJ\$:WD"Q)O(5=HPS E#M.#^F#S4:>")[33K.RT_Q#?6T4-BEA(C1QRI+&@(5
MMC A7P2,CKQD'% '3V-PUUI]M<.L:O+$KL(Y Z@D \,.&'OWJQ5+2-+MM$T>
MSTNS#"VM(5ACWG+;5&!D^M7: "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** . U_P ?2&RB?1[._2!]4@LTU(PH8)/]
M(5)%&26QC>-Q4#(X.<5K7GCNPM)[QOL&H3:?8S>1=ZC%&I@@<8W Y8.0N?F*
MJ0.?0UA-X4\2PZ';>&K=--;3+74(KE+QYW$CPK<";88]F XQC.[!QVSQ4N_A
MU=K=:K;P:3H]Y%J%Y)<)?W<TFZ!9&W.K0@8?!+8^89R,XQ0!)J7BG51XF\1-
M+=:KI^FZ4+>./R(+:1&+E1N;<2Q+;@5P0 N<X/%;]_\ $&QL)M3!TO59[?2I
M?+OKF*)#'!\JMNY<%AALG:"1CD=,T]7\&ZA>Q^)TMWME74VLC;AF(VB';NW<
M<?=.,9J:[\)ZA/X>\;6"O;^=K<TTEJ2QPH>".,;^./F0],\4 :.H^,;>RO[F
MTMM-U'4FM(UENWLHT98%89&=S*6)'.U<G';D4R?QM8^=#'IMG?:MOM4O7:QC
M5A% ^=C-N9>3@X498X/%<YJG@.[&N:C?V^E:7JG]H1Q8-Y<R0FVE2,1YPJG>
MA"@XX.<^M:-EX;UOPS?>?H<&FW*7-A;VL\<LC6ZPR1!@KH K90ASE>#P.: -
M?P+JEWK7@?2-2OI?-NKFW#R2;0NX\\X  %9M_P"*K_3O']YI:6%_J5NNF07*
M6]G%&2C&24.Q9F7LJ #))QP.M;'@_2+G0?".F:7>O&]S;0A)&B)*DY/3(%9F
MH:=XCL_&=WK6D6VGW=O<Z?#:F*XN6B971Y6W9"-\HWCCJ<^W(!8;QOI\T.GG
M2[2]U2>_@-S%;VJ*'6($ L^]E"X)VX)SGCM5)O&,=WK>@2VMRT&FW$-\UY'/
M&%:-X @(?/*E3NS@_GQ6(WPVN+'^R;E;6QUF6WLWMKJWN)GMU9FE,N^-@&QA
MG<8(Z$=Q5N'X?7,EOIT$ZV%K$+?4([M+/<%0W*J!LSRV .6.,]<<T ;-IX[M
M+F2T,FE:I;07ZDV%Q/$@2Z(4L%7#$J64$J'"YJ6W\<Z/=7?A^VC:;S-=@:>U
MR@PH"[L/SP3R .>5-9EMH/B.^/A^RU>/3X;/19DG:XMYV=[IXT*)A"@V#G)Y
M/3 ]:QI_ASK,=KK#V-Y:I>1W4<FB,S-MMXUEDE*MQQ_KI%XSP%H Z27Q3YDN
MB:M:M+_9-[>OITB2*!EBS+'*N.<%TVCGD2 XXKK:XC6-)CM[/PCX5LAGR+NW
MF/\ LPVV'9S]6"+]7KIM)O+R\%Z;RV6#RKN2*$KG$D:GY7Y Z\^W'!(YH YK
MX@ZY<:/<:!$FNC1;6\NWBN;PI&VU1$[#_6 @98 ?C6?)KMQ;>')M1TOQI_;N
M=0LK8R"*WQ$'G177Y%'+*_?IVQ73Z[HEQJ>O>';V(Q>3IUU)-.')R5:%T&T8
MY.6'I3O%6BS:SHJ6=GY22"\M9SO.T;8YD=N@ZX4X]Z *>H^.+;3)+IY=)U1]
M/M)A!<:@D2"*-L@'@N'8 D9*J11JOCJSTN;4L:9J=Y;:8/\ 3KJUB1HX#M#;
M3E@6(!!.T'&><5R?B#P#KVLPZS!+!87=S<W+RVNHW=]*?*BW;DC6':50@#;D
M'WY/%5O$^IR:);>-=+L+_22+XR2O#=3/'=1RRPJI2./;^^#<;2",$D'.* .T
MN/'5K'/+':Z5JE\MO!%/=/:QHWD+(NY<J7#,<<X0-4$7C*>+Q/XBM;RPNAIV
MF6L$R2QQ*Q.X.3P&+$M@;1C^$YQWQ-8\%ZMJ,<31Z9IKW/V&*&UU 74EK<V3
MA,'<44F0!OF R.XQWJ[J7A;Q-]IUO^SKV -J6GVT(O6F:*598<AN%4X#AC\P
M.5ST- &LOCBWCDO(M0TC4].FMK&34!'<+&3+"F-Q4H[#(R."0>16GH&NKX@L
M3>Q:??6D#$&%KM%0S(0"'4 DX.>^#[5PR> =3>_O;N'3M-TY+G1;K3O+6\DN
M)#))MVN\C+DCY2,=NO.<#T32[9[+2+*UD*F2&!(VV],A0#C\J .6\=:W>:5>
M:7$VI3Z/I$XE-WJ<-L)3&XV[$)*LJ!LL=Q!^[CBH]/\ %!T;P[J&KZCK,6O:
M1#/$EK>V2H\SARJ%75,+E68=.2.V>NQKMOXBCU*UU'0Y+:XC2-HKC3KN4Q)*
M"00ZN%;:XP1R""#7#>(=!U33O#^NZU/;Z=87NHW>FB.SM6+Q1F.Y3#NVU=S$
MMR0!P!UH [-?&]A"M_\ VK:7NE2V5L+MXKM%+/"3@,NQF!YXQG.2!CFG6OC*
MT:>2'4["^T>1;9[Q!?H@$D*8WL"C,,KD94X(STK"UCP;J_B_^TKC5Q9Z?+)I
M_P!BM8H)FG4'S5E+NQ5>"T:# '3//-06W@":_-Y'>:/I.D12Z?-9[[2=[B5G
MD7:7!8+M4#/')/?&* -:X\<Q2Z3=ROI^L:6K:?-=VMW+;QMO1$W%E7<<, 00
MLFW/YU:N?&"V406'2=6U/R;5+BYFMXHU"*RY!.YU!; )VIG%9UUI7C'5M N=
M'NQIEI#_ &9/:%HIFD^U2M'L1N4!C4'D]3V[<Y^I^"M:O;NYCG@LM1MI;2&"
MU-S>RI'9%8]K_N0I63+?-G@GIQ0 [Q#XZOK,:MJ&DDW-G'X=AU*T0QK@.[R?
MO&R0<;0I(SVX&:ZBS\5VDS7T5Y!<V,]C:)>3I<A!B)@QW JQ! V,#Z$5RO\
MP@.K2:#<6#S6B2R^%H-'!#L0)TWY/W?N?,.>O7BH/%5C+K6M^'=-::UM]7NX
MVM-6L[>;S2++(D<DX! S&%!('^M(H ]&TV^74],M;](I84N8EE6.8 .H89 8
M G!Y]:\ZU3Q,Z>.->TZ^\>)H%O:- +:!H[?YPT2LQS(A)Y/KWKTX      =
M*P-*T*:S\5>(M3N!"T&HO;M !RP"1!#NR..1[T 9LGB6'0W+WFKW>I06^BOJ
M+LD$6)T#C]X"N/FP< #"XYZU=L?&EI=:@+2XT[4; R6KW=O)=1*%N(DQN90K
M$@C<IVL >>E9_BWPEJ&N7FJ2VCVZI=:#-IL8D8C$KN""< _+CO\ I5K7?#NI
MW^IZ==Z?=16TEKIEY:B8D[HY95B",!CD H2?PH FT_QE#>ZG8V4^D:I8?V@K
M-9S7<:!9MJ[B,*Y93MR<,!TJKIGQ#L-4.F2IIFJ06.I2>3;7L\2")I<$[#AR
MP^Z1G&"1P:Q-&\$:K;^(O#^J3:?86S:<9!=S?;Y;F>Y+0LFX,ZC W$'&><]L
M<Z5EX0U&W\)>%-+>2W^T:3>PSW!#G:53=G:<<GYAUQ0!HP^-[2XO$2'3=2>P
M>Z-FNI+$I@,H8KC[V_;N!7=MVY[TV'QW8330N+'4%TR>Y^RPZHT:?9WD+;0!
M\V\*6^4,5"D]ZIZ/HWBC1;:WT*T-@FF07;2"_,I:5H#(7,?E%,;SG;NW8QSC
M/%86E?#>YTX66F_V3H\EO:W*R?VG)-(TCQ*^X#R<8$G09W8&,^U 'J5<)I#^
M(?&5A+K=MXAFTFUDFE2PMK>VB<;$<H'E+J2Q8J3@%< CZUW=<18Z7XJ\+PW.
MEZ):Z7?:<TTDMG)=7+PM;!V+E'4(V]0S'&"#CB@#0/B:\TR#3M/U'3I;[Q!/
M 99;33-K*%4@-)ND90JY(QDYR<#.*C;Q_IIATXVUEJ-U<W\DT,5I%"HE26+[
M\;AF 4CGJ<<=>F:<7AWQ#HU_I^K6US#K-\E@UE>B\F,!ES)Y@=&"MC!)&TCI
MCG(IND>#M2LM8TK4[J:U:9;N^O+U8RVU7G4!5CR.0, 9.,]: +%M\1;"X\ES
MI.K16[78L9YY84"6UP7V>6_SY/S8&5#+R.:?+\0;"*2^<Z9J?V&PNFM+R^\I
M/)@=6VDGY]Q7D$E5. ><55D\(:BWA^\L!);^;-KXU)3O./*^U++@\?>V@\=,
M]ZP[+3M>U[2_%6A6T5BNFWVL7<,EX\S"2%"_S@1[2&.,X.X=>>G(!UVK^-(=
M(DOC_8^JW5KIZAKR[MXD\N$;0Q^\ZL^%()V@XJ._\=6EK?7=G:Z5JFHR6D$=
MS.;2)"JQ."0V6=<\ \#D]@:YOQ%X%UK6)==@>WLKU;T,MC=W=[*!9QF,*$$
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MY'<JJ;<A#$!S@=^]4;'2_&FA:(/#NFII4]M"A@L]3GN'5X8NB[X@AW,HX&&
M.!TH [6T:X>R@:\CCCN3&IF2-MRJ^.0">HSGFLKQEJ%SI7@K6]0LI/*NK:RF
MEB?:&VLJ$@X/!Y]:6P;4+'4;/2)-]W:QZ?NDOY"?,>965?FXQ\P+-USP>.E.
M\5Z7/K?A+5]+M6C6XO+.6",R$A0S*0,D \<T <OX5U:/5-1LUB^(ZZK,4\R2
MP2.U^;CD'8@8 >Q[5/X=\97DWA30Y9["_P!7U6]M#<2"TBC4  X+,69$'48
M.3Z5V%C:BUL[>(H@>.-4)4=P,5YU;^!]=M+#0[2XAM-3M+/3_LTEDU_+;Q+/
MO)\WY5/F#:0,$<8XZT =*OCNPN+#39[&QU"\N=0\WR;**-1,OE-MD+[F"J%;
M@DMU(QFHHOB#I]S;1-;:=J4MW+>R6,=EY:),98UW./F<* !W+#VS7*6FEW/@
M'_A'VFO-'BU&-;^W$5Q,]O;30R3"7"R["(W7Y<*0<C<!TS1HVD:AXD\-75S)
M8:1JT%QK=S<O#,S)',APJO!+@E<$'#8^89Y&: .DO_&MVM]X;2ST>_5-0OI;
M>YBFB19$V1N2O+@9RH;(R"JG!S@&Y-XXMK>X!DTG5%T\W8L_[1,2"'S"_EC@
MOOV[N-VW%8MGX2\06-GHLR/;SSV&JRW:6<]Y(ZPV[Q/&(EF92S%=V>1ZCTK-
MN_ .OWL>RYM["YOH]06Z_M2XOI7>1%F#A4B*XB.T!>#CC'?( .VTWQ9!JVNW
M>F6FG:@RV<SP3W;1J($D4 [<[LDD$'@=QG%;%[>0:?87%[<N$@MXVED<_P *
MJ,D_D*RO#>CW&D/K)N&C/VW4Y;N/82<(P4#/'7Y33/&&BW7B+15TF!XTM[FX
MB6]+,5)MPVYU7 ZL!M[<$T 8O@;Q#K-Y>W%CXB91<W5M'JEDNP+LMY.#$<#D
MH0 2>?G&:AU#Q[+=R:&VE6>H0V5]JL-NE_+"GDW,98A@O)90<9!*KD#@U8O/
M %M9:OI.I^'T\F>WF,=RL]U*XDM74K(HW%L$?*PZ<K5*V\,>)X=/\/Z$R:;_
M &?HM[!)]K$[>9/#$?E'E[,*V,9^8C(XZ\ '2)XPTY])M[\17.9[[^SUMR@\
MT3^88RI&<#!!)Y^Z,UFV7C2)+.SBBAU'6+Z[FN_*BCBACDV0S%&)RZH O"CG
M)&#C.:6'P?<Q?$!]6,\1T<,UY%;#.Y;QT$3/C&,; 3]7-9,O@C41HME9W.EZ
M3JT<-S>2O!-,\+H99FD1XY@I*D X(P,^O% '12^,[81:>MMIFIW5]?1O+'8)
M"J3(B'#,^]E50"0.3R3QFJ\OQ"TU+6QD@L-2N;F\GEMDLHH1YR31C+QN"P (
M&3G.,<YQ69IGA?Q)H+Z9J<,MMJ=]#:S6EQ;W-TX'E/+YB!)2K$E.%RP^8>E3
M:5X.U.UUG3-5NY;4SC4+R_O4B9MJ&:+RU2/(^8 !<DXSR: -&+QO!/>/%%H^
MK2017"VL]RD2,D$QV_*RA]_!8 D*0/7'-=37G.L^#-7O]?N+NUL].MKJ2Z22
M+6K:YD@FCB!4E)(E7$K8!7EL$$9QBNUTZ\O+F^U.*YMEBAM[@1V\@S^]78K$
M\@="Q'&1QUZT 9OC#5+S2H-':SF\LW&KVMM+\H;=&[X8<CC([CFJ=S\0["VD
MO6.F:H]G879M+R]6)/*@<$#)R^XCD'*@X!YQ6CXIT:YUJ'2DMFB4VFJ6UY)Y
MA(RD;Y8# /..E8MYX0U&X\(^*-*22W%QJE]-<0$N=H5V4C<<<'Y3TS0!I:CX
MUM;"]O8(]-U*]BT\J+ZYM8E:.W) ;!RP9B%()"!L UTJL&4,IR",@UQKZ1XF
MTF_UM-"&GO!JUQ]I2YN)65[.0HJ,2FTB0?(& R.>#QS6OJ5[K>GZ;J<\5I;W
M3P*GV)0[;[@X&X, ORG.<8R.F<4 ;E>6WOB=_P#A,/$-CJ'C]-!BL[B..VMF
MCMN4,*,3F1"3\S'O7J5<_HNA36&O>(KZY$+QZC=QS0[>2%6%$.[(X.5/K0!E
M)XAN-*\03P7FH3:AI]MH<-YOC@4O-(TKKN 0#)8!1@<5>B\;V:3W<&JZ??Z1
M);6;7S"\6,AH%.&8&-V&02.#@\CBJ/B?POK6I:IJE[I-Y%:O<:7#9Q/YK(VY
M)V=AE1E0R';N'(SG'%<Y>> Y0=6U"]L[/2=.ET2XM)1;3RW<ZMN1Q(Q*@OC8
M?E'/'?/ !UL'CRT-];6E]I.JZ:US!+<PO=Q(%:*-=S-\KM@X_A/S<CBBW\;?
M;+&2X@T+5HP]F]W:/+'&4N% !&"KD*>0<.5.*Y:TU?4_$_C/056[T28VUC=.
MTFG3M=*I=%59) 578"3PG)X/-7M"\$ZI9ZJDPLK#1H!;2Q7<>GW<CPWCLN%8
M0E56, Y;CGG'O0!IZ-XUNKKPUH=Q-HFI7>IW]FMPT%M'& 0%7=)N9PJJ2PP"
MV[GIUJ5_B'IWV+39H-.U2YGU"2>&&TBA7S1)"<2(P+  C!YSC@\U@0^$?$O]
MGZ#:WUG97MKI]A]B>Q74Y88FD7:%G)5/FRH(VD<9XS5SPSX(U/1IM!-P;$)I
MUU?RNMN6"[9R2@0$<8SC';WH [Z)S)"DA1HRR@E'ZKGL<=Z\JM?%#WFIZQ%J
M'Q'32)H-4N+:&R,5KE8U<A/OH6/'K7K%<_X7T*;1X=46[$+M=:I<W<93G"2/
MN4'(ZXZT 4+GQ;;:#=ZL-0N;Z[6R>S@:-+9,J\HV@KMP6W$Y([=A5F#QM:,F
MIB\TW4K&YTZ))I+6:)6D=')"%!&S!LE2.O!ZXK-U?PAJ-]J^J7<4EN([J^TV
MXC#.00MNX9\\=<#CU]J?XD\+ZUJ&IZS>Z5>1VSW>G6UK$WFLC;HYG=U+*,J&
M5]NX<C)]* +@\<6T1U!-1TG4M/GLK%]0,-PL9:6%/O%"CL,@X&"0>13M/\<6
M5[?06\]AJ%@EU;O=6MQ>1JL<\: %B,,2N 0<, <5RZ^ =3>[U:XAT_3=.2]T
M.YTY8DNY)W\URI5WD902.".^,=\\=#J?A2XU.;0DDDC6WM+&YM+DACN_>Q*@
M*\<]#UQ0 )XYM[RT\Q=.U:RM[FVEFL[Z2W0I*%0ME1N)!VC< X7.*DC\6F.Q
MT];;3-6UB>6PBNY'MX8T(1APS;G5=QP3M4D^V,51MM)\7OHL&AW']FV]I;63
MVSSQ2L[7G[HHGRE!Y8SACR3Q@<5GR>#-;WV45Q;V6J6D6F6]I'#<7TL45M*B
MD.QC52)0W!YP?EQQ0!MZ7XG.M>+-.%C.S:3>:*UZD;1@'?YJ*">X(!(QG%=)
MJ$TEOIMU/"8A+'"[H9FVIN )&X]AZFN/\'>#]2T"ZT:2[DMF6QT=["3RF)RY
MF5P1D#C _.MWQAH<WB/PK>Z5;S)%-,$9#("48JX;:P'\)VX/L30!RWPR\2:I
MXE::ZDU">_L!;1":2XBCC,5YR9(X]@&4"E3DYZC!/->BUYJ/!_B"\\<:?XHE
MLM*L!;R1B>QBNI)%GPK)YQ.U0'17(4;3D<$CBO2J .<\!:I>:UX&TG4M0F\Z
M[N(=TDFT+N.XCH  .E0IX[L))DD%CJ TM[G[(FJ&-?L[2;M@'WM^TO\ +NV[
M<]ZS?!^G^,?#NC:9HL^F:-):VV(Y+A-0DW[-V2P3RL9P>F?QK'T_X;W-@+?3
M1I.CS6\-T)/[3EFD:1H0^\*8<8\S'&=V._M0!U6H^.+;39;EY=)U1]/M9Q!<
M:@L2"*-L@'@N'902 652*DG\9V\>IW5K#I>IW4-G<);75W;Q(T<,C!3@KNWG
M 9<E5(&?8UQ^O> =?UB'6()8+"[N;BY>:VU&ZOI3Y<6\,D:P[2J$ ;<@^_)X
MJ_XB\&:OJFM7=U:6>G07<TB-;:U!=26]Q;H N0Z*N)2,'&6P00#C% &N_C.U
MTQ[_ .T'4+YO[9_LV&&*W3<DAA60(N"-R]?F;G+<X S4R^.[!;"]FNK'4+6[
ML[B.UDL)(U,[2R8,:H%8JV[(P0V.N<8JA_PB&H_VH;GS+?8?$HU7[YSY/V81
M8Z?>W#ITQWJCXJT62PNM6UZXO;6U5M1L+JSDFW&,/&OEXF('R*22-W09!/2@
M#J-&\4PZOJ]UI+Z=?V%]:PI-+%=H@PKE@N&5F#?=/0X_'(&]7F.DZUJM[XE\
M4ZY#%IUW):Z3!%#'8SM/"9%:5_+\P*"[<@G"\;@*]+B9VB1I%VN5!9<]#W%
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M"*='9<'J0#V-<[?:YJ?BJ&^TW0-/NX;633[A)+Z]MY+8B9DVQ+&' ).223C
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MW+26+326Z^>[>=Y0^9R/E('N#T% 'H-KXDT.^T^>_M=8L)K.W_UTZ7"E(_\
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MPW4$TEO=VS2;O(D0X(+8&1C#9QT(J?3_ !-H6K3^1IVLZ?=RY(\N"Y1VXZ\
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MA&I8<+SG&?0U:T34K*5]'CM_#%]'+IMBZRRRV;PFS 0 QIE0)"Q&,*2.,^E
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MAEF:%EB,BG#*KGAB#UQ4/A.SO;7PQ:#5)))+^=3<7.]B2LDA+E!GH%W;0.P
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MCT6X(6 R;=XN,;2P'S'^'@CWKI/B&SRZ?HVG-(Z6>I:M;VEX58J6A;<2F1R
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MJ?,.&.<$]!5+X=^(+JZN8?#UL%M8K6>]N9Y)XSNN@;J7Y8>Q"Y&YN<$@ =2
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ML;"_LK)(](M+YI'M3*QEE\S*XW !?E^O'O0!V7V'3?+FLOLMILN 7E@\M<2
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M,\]Y&;^R^PW4<,H"2Q_-@D$'YAO;!]Z9HOBQM0UG^R+^P%E>O ;F$)<I.DB
M@,-R]&!9<CWX)JMJ?B'4;#XAVFGF)1I']E3W4[EU&-KQ@OTS\H)&.^[/:@#9
MO/#UAJ%];7=TC2-;VTUJ(R?D:.4*'##OP@_6J&F>"[+3+RSG^WZE=)8J5LX+
MJXWQVX(V_*, DA> 6+$"J.F>/TOKK3?M&F/:V6J/LLIS<1NQ8J6021@Y3< <
M=>< X-58?B//-I$.JCPU=_8KFY2TM6$\9>>1G*8"YX&X=3C- '3ZMH-MJ]YI
MUY)/<P7&GS&6&2!PIY&&5L@@J1P169!X#TRWN(MEWJ'V"&X^U1:;Y_\ HZ2;
MMP(&-V W(7=MSVK-G^(%_;1ZOYOA:Y$NC*)=05;N,JD13>&1OXSMR=N!C'7D
M5T^J"]U'P_+_ &//'%=3Q P22DJHS@\D<CC/(Y% %63PEILFBWNE,9_LUY=M
M>2X<;O,:42G!QTW#\JMMHEH^L76J$R?:+FT6S?YOE\M6=A@>N7;]*X3Q/>>+
M]'U;0$L[E;FY\[4+J6TC8E;N!65EBYZ,$8@=@P%:0U<^*?$UM!IFJW$.G:AX
M?EGB>!MK1R>=&H?'9ER1@^X- '7Z5IL&C:19Z9:[_L]I"D$>\Y;:H &3ZX%8
MWB*UOI=:TF^M-&-\^GF26-_MJPA6="A!!4Y^4^U<Y::]K^O-!X28RV>M6DNW
M6;V)=H2%<%7C/3,PQCT^?TJ_90WOC'6-;>;5]0L=/TZ\:PMK>QF\HLR*I>1V
M RQ); &< #H<T +>P:UJ&K1:C=>$%DDCM9;3RSJD>QHY"I8$;.?NC]:SM-T+
M6=.O+.<^'[V[2P!%E!=:TCQVV1M^4; 20I(!8L0#Q3?%<VK:!HV@VFJZ_>>7
M)K!@DO;%&$\EOY<K(&"*<OPN=J\XS5KP3K/VKQ;J.G66LZAJ.F16<<N-40I.
MDQ8@[ RJY3;C)(P#C!H IIX<U>WM-.BL?#]Y8RV%N;6*YMM9C61HB<E&S&0P
MSSTR#TQ4ECX?U'3[;3X(/"DNRP2ZCAWZPC'%PVZ3)*9)ST/\ZF\=:HMKXQT2
MSN]8U73M/FL[F1_[.#EWD5HPN0BL<89NU36?B+3= \.7NKVE]KNMQ+<00-'>
MAUD#.X0!!(B?WP??'6@!([#68K70K=?"C;-$V_9,ZK'DXB:(;ODY^5CZ<US*
M^&/%!GTI8_#-Q;Q:=?QWBPG6D:U7:22L2=1DGC=D*,@5T?B'QOJUIH'B.$:2
M^G:S8:>+R+,Z2KY;;E$@.,94J<J1V[U6\2^*M5T_3M=FM([F'5+;2K6=HVG1
MX8=[R+N4;>6^7GL?EXXH UM9&MZ]IKV%_P"#T>%B&!3555T=3E65@N58$9!%
M9FGZ-KMGJD.I76AWVJ75NK+;MJ&M1R" ,,,5 C R1QD@G'>NA/C"*U&LKJEH
M]E-I5HEY*AD#[XV4G*D=<,K+]1[T6&FZM<:Q!K$]]<V]O*?.;3VF+*@:!5\L
MC '#Y;KP1WW< ',6GAO5;.>UV^'+N2RLYO/M=/DUI#;P."2"HV9."> 20.PJ
MVNE:LFFP6 \*/Y,.H?VBG_$VCSYOFF7GY/N[B>/2M_Q!XGN-(U>PTJQT>;4K
MV]BEEC1)EC51&4W;F;@</^8QWK+G^(UO"US=?V>S:/:W)MIKW[2@8,&V,ZQ?
M>9%;()Z\$@$4 8OB70O$.LV]_P"3X9:.;4+FSEN&&JH,+ ZGY<*"IV@\YZ\U
M))X;U6YM+Z*^\.W=[/>K&CW=QK49E18VWQA"J +M;YN!R>N:5/$][I_BSQ1J
M6K)>FUL)H;.SM8KM3&SR)'L4)P"S%]VXGY1QVK6F^(<=A::HVI::8+NPM!>^
M3#<I,LL6[:2KKW!X(('4=<T 8Y\.:S+/=7-YH=]>7-U82Z=+-/K,1)ADQD "
M,*I&." .ISFM9HM=-YI5W_PB9,NEQO';@:K'@AE"G/R<\*/2I)O'%_!=VFGR
M^'C!J5TCS1VUQ?Q1@QJ5 PW(+DM]P=,')KI[6]FN]'CO5L9HIY(?,%I/A'5L
M?<;J <\9H XSPAINN:?XCU?4[OPREG_;%RLCG[>CFW0+TP <DN78X/5Z] KS
MWPUXWU6Z\-:&MQIKWVMZDLLD<:S(BM&A&Z5FQA "P7&"<XKJ_#^NIKMO<EK6
M2TN[.=K:ZMI""8Y  >HX((92".H- $)\(Z4_A^XT5UF:UFGDN2?,(=)&E,NY
M6&""'.1Z8%5AX(L9+74HKV^U&_EU"U-G+<7,P+K"0?E3"A5ZDYQDGKFL^]^(
ML%K)?W":<\NE:?.UO=78N$5@RG#LL1^9E4]3P>#@'%6=?\9W.B+?7(T.:;3K
M%0TUU)<)#Y@VACY*M_K, ^HR<@9H NZAX1M+R]6]M[[4-.NO(6VDFLI@AEC7
M.T,""#C)P0 1D\U/IOA?3-)O+2YLTD1K6R-C&I?</++!CG/);(ZY]:SKOQA.
MU]<VVC:+<:I]D@CGNF258]H==RHH/+N5YQP.1SS6*OB_5[;Q#XFD@TB\O[*U
MAMKDQR2K";=##N90K<ESR2OMR10!NVO@;3K6[MG^V:A+:6EP;FVL99PT$,G)
M! QN.-QP"Q ]*TM:T&VUPV+S3W-O-97 N()K=PK*VTJ1R"""K$$>]2_VS9#P
M]_;CR%+'[+]K+L.1'MWYQ]*P;;QG>-+8B]\/W%G'J:M_9[R7"'S'V%UCD _U
M;,H..HX(ZT 2GP%I;3E3<W_]GM<_:CIGG_Z,9=V_.W&<;OFVYVY[5M:OI%MK
M5M#;W1DV17$5RNQL'?&X=?PR!7,_#.?4M0\-OJNJ274EQ>3.W[ZY\Q,!V V*
M.$ Z8]LUSW_"7^(Y+*RN)K68S?\ "4R62PP2IF:,"<"(]  I5<L>N,T =YJO
MA;2]8UK2M8NHF^W:9(7MY4.#R.5;U'?'_P!>J/\ P@>F"X.V[U!; W/VLZ:L
M^+8R[M^=N-V-WS;=VW/:JS>/DM+/4!J.ES6VI6=U%:?8UF1_-DE ,>U^!@@\
MDXQ@UHZ#XH&K:E=:7=6@L]0MXDG,:3K,CQL2 RNOH5(((!''K0 EUX*T:\U#
M6;V:*0S:Q:_9+K#\;-NW*CLQ 7G_ &1Z5JZ3IEMHVDVFF6:L+>UB6*/<<D@#
M&2>Y/4GUKDM4\5IH?Q+DM+Z:]-BVCQRI#;VTLX$AFD!8B-21P ,GTJEI_CR(
M:OXIOBU]<V4+V,-E:- T4C2R KL5) I&YL<GCO0!VT^CVMQKMGK#F3[5:0RP
M1X;Y=LA4MD>OR"J.J>%;;4M2;48K[4-.NY(A!-+8S!#-&"2 P((XR<$8(R>:
MYKQ1XPU"#PWK]G/93:/K,&FM>6[).LJN@(4LKCNI(!!'<=:M^)_%]]'I_B*'
M1]+N+A=,MG2XO8YE3R93%O&Q3RY4,K'ICMD\4 ;VF^%M+TB\M+BQB>'[+9&Q
MBC#941E@YSGDMD=<^M01>#=+@ATU(3<(^G7<MW;S*XWAI'9I%)QRC;R"/3'I
MFL!?&*:/:WE[="_NY+72M.FEB$BE6,K,F47&=Q/)R><#I6B?'/\ 9\FHQZ[I
M,^FO9V7V\ 2I-YL6[;@;>C[L#'N.: -W6]"LO$%@+2]60!)%EBEB<I)#(OW7
M1AR&%9^G^#;&TOVOKR[OM5N_):!)-1E$GEQM]Y54 *,\9.,GUJ&Q\5WTGB"Q
MT?4] GT^:]ADGB<SI(NU-N5..C?,,CI[FH_$MY?7GB71_#5C>RV*7<4UU=7,
M./-$4>T!$)! +,XR<9 '% $VG^!].T^ZLI/M>H7,&GDFQM;F??%;'!4%1C)P
M"0-Q; /%68/"6FVVG:38H9_)TNY^U6^7&=_S_>XY'[QOTJBEK<^#C?:G=:Y=
M7>@0VC32Q7KF::*1><H^,E2N?E.><8ZT6WC&Y6\M(-6T*?3A?1/)9LTR2;RB
M%RC@?<?:"<<C@\\4 7I/"6FR7TEXQG\U]1CU(X<8\U(Q&.WW=HZ>M+=^%-.O
M;;78)3/LUL 7>UP#Q&(_EXX^51Z\US]I\1+R\CTB2/PO=[-9B+:?FYCS(P7<
M0X_@7;DAN<@=,G%6/^$^=K.RV:'<OJ%QJ,NF-9K*G[N:-68G?T*X7.?0YQQB
M@"[J?@73M4O+V=KS4;=+^)8KV"WN-D=P%7:"PQG.WC@C(&#FM'3_  [9:9>O
M=VYE\Q[.&S.YLCRXMVWMU^<Y-9L7B^>2UOH_[#NSJUE<1V\MC$ZORX!5_,Z"
M/!R6.,8/&:H/\1$M;#69+W2I%N]*>W6:WM[A)@XF<*I5ACG.<@@=/>@#2MO
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MT"ZL[VZCU%1%91^;<B2-XVC3&=Q5@&V\'G&#BGZ=XMT'5KN:VLM2BDEBC,S
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MQC-7K?P9<0>%M#T@W<1DT[4([QY-IPX64O@>^#BNFU._BTK2[J_F!,=O$TC
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M>/2GZ-H&HW=UH=M<6?B&&33XV\R2]N8A!:OY31CRMBYD!W8&,#').>*]4HH
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M=3]X?+BO;/+0ECL7+##''4>]1RVMO.J++;Q2*AR@= 0I]O2@#R[0])BU_7-
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M->B5$EM!' ($@C6$=(U0!1WZ5+0 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !5'5Y+B'3I)+:YMK4H0TEQ<C*1Q@_.
MV,CG&<9(&>M7JHZOI%GKEC]COED:#>LF(YGC.Y3E3E2#P0#^% $'AV]O-0T:
M.YO5 =GD$;^68_,C#D(Y4\KN7!Q[]N@U:KV5G'86JV\3SNBDD-/.\S\_[3DD
M_G5B@#B[/Q;XBU66^.F>%[>>VM;V:T$LFJ",N8W*D[?+.,X]:Z.YUS3-.:WA
MU/4+*RNIP-D,URJECZ+DC=SQ7%^%/!MO=G5[R^?5[>9M:O'5([^>!&7SF*L$
M5@I!'?'--O6L]+U[Q:NNZ3=7C:GL-FT=D\XN(1"J^2I52%(<-P<?>S[T =U<
M:QIEG=1VMSJ-I#<2,JI%),JNQ;.T $Y).#CUP:EO-0LM.C$E[=P6T;$@--($
M!P"QY)] 3] :X#P5X>N;;Q'%)K5EYMY:^']/A$\J;@LJM*7"L>"PPN<>U7_B
M)+:07OA*:^M7N;:/6-SQI$93Q!,0VT D[3AN >E '5P:QIEU:17=OJ-I-;3.
M(XIHYE9'<G 4$'!.>U22ZC8P-*LUY;QM#L\T/*H*;SA-V3QD\#/6O+[V&::X
MU'Q!9:?=KH_]N:?=JBVKJ[K$ )IEBQN(Y7MD[":BUU)/$;>,)[;3KV2SNUTB
M.(R6KIYZK<-O*JP!( )SQTYZ$&@#T=O%7AU+9;EM>TQ8&Z2F[C"GDCKG'4$?
M@:M7FKZ9I]DE[>ZC:6UJ^-L\TRHC9Z88G!S7#:G/HNA?%*)[K3B(%T3;$UO9
MM*L1,S9&U%)&[IG'MWYR]#LI= N]!U+7--N5TI+>]6WB^S-*;!I;C?$'102N
M8OESCC[O% 'I=QK>DVFGQZA<ZG90V4F-EQ).JQMGIAB<&EFUG2[;35U*?4K.
M*Q8 K<O.HC.>F&)Q7E@T]H+:'4C'J>D0-J]W<:;.EAYR6L4BJ,2P$%E5R'(X
M!&>HS41M]5,7AS4KFV.G:?:7%\IFM=*9EW.P\NX-NV63>-_./E+=@U 'K$NM
MZ5!IBZE+J=G'8-C;=-.HB.>F&SBK%K=VU];)<VEQ%<6\@RDL+AU8>Q'!KR5-
M,6'1XK\RZU;H=9ENK>^&EKMA)BV&0VV"?*<[OX003GC.3VOP_>Z?0[HW5G#
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M60(<KM/(4ENO\+=,9KH[J[MK&VDN;NXBM[>,9>65PBJ/<G@5S7PW5E\!:<S
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M!1F&0.<'!Q3A0J3@YQ6B_3?[NO8+HUAI]DJW2BT@"W;%K@>6,3$J%);^]\H
MY["JVE>'M&T/S#I6EVED9<;S!$$+8Z X[#TI=9UJTT.U2:Z$KM+((H884WR3
M.>BJO<\'VXYJGIWB>*\U1=,N].OM,O7C,L,5XJ?OE&,E61F4D9&1G//2G&A4
ME#G2T_J_W=>P76Q:U#P[HNJWD5WJ&E6=U<1#:DLT*NP&<XR1TSSBI[72-.LG
MB>UL+:!H8VBC,<04HC,&91CH"0"1ZBKAX%<L?&\,=]96EQH6MV\EY,((3+;H
M 6//9\X !)/8"E2H5*M^17L#:6YKW/A[1KVP-C<Z59RVIE,WDO"I7S"22^,?
M>)).>O)JQ8:98:5;FWTZSM[2$MN,<$81<X S@>P'Y5C-XTT]+UHC:WOV1+O[
M$U^(AY"S;MNTG.[[QVYVXSWK;M;HW)G!MYX?*E,8,J@>9@ [EYY7GK[&B="I
M35Y*P)IE4^']'-]+?'2[,W4KI))-Y*[W=/N,3CDCL>U6)--L99+F22S@=[J,
M13EHP?-09PK>H&YN#ZFJ>O\ B*P\-V4=U?NV)9EAC2,99V8XX'MU/L*UJETY
M**FUH]OD.YG:5H&D:$LBZ5IEI9"4@R>1$$W8Z9QUQ4>J>&-!UNX2?5=&L+Z9
M%V+)<VZR,JYS@$CIDFH[[Q-IVGZS%I4[D74OD[5RHSYC,J]2.Z-^@Y) .3#X
M^6ZCN)K/PUKUU;032PM/#%$RLT;%6P/,W'E3VS4 ;C^'-$DTD:4VD6/]G@[A
M:B!1&#UR% P#[TV#PSH5M"\,&CV$<3A Z);J VQMR9XYPQ)'H3FK.E:I::UI
M5KJ=C+YEK<QB2-\8R#Z@]#[5<H IW6DZ=?-*UU8V\[30^1(9(PQ>/.=ASU7)
M)Q4GV&T^WB^^S1?:Q%Y(GV#?LSG;NZXSSBK%% &5=>&="O=374[K1[&:^4@B
MXD@4OD=#G'4=O2KM]86>J64EG?VL-U:RXWPS('1L'(R#P>0#^%6** ,G3/"^
M@:+.9]+T73[*9AM,EO;(C$>F0,XIT7AK0X-6;58=(L8]08EC<K H?)ZG..I[
MGO6I10!C-X1\./=S73Z%IS3SMNDD-LI+$G))XZY .:THK&T@%P(K:)!<.9)@
MJ >8Q !+>I( '/I1>7D-A87%[.V(+>-I9"!G"J"3^@JIH6K'7-*BU#[!=623
M#=''=;-[(0"&^5F !![G/M0 S3O#&A:1/Y^FZ/8VDPW 20P*C -C(R!TX''M
M4VJ:+I>MP)#JFGVUY&C;D6>,/M/J,]*OT4 4XM*TZ%+-(K&VC2R)-LJ1*!"2
M"IV#'R\$CCL31J>D:;K5J+75+"VO;<,'$5Q$)%##.#@]^3^=7,BB@#.TO0-'
MT,.-*TJRL1)]_P"S0+'N^N!S4MMI.G63PO:V-M"T,1AB,<04HA(8J,= 2 <>
MHJYTHH RF\,Z$VKC5FT>Q.H!MWVDP+OW?WLXZ^_6G3^'-$N=6359])LI-00@
MK<O I<$=#G&<CL>U:=% &9)X=T69[YY-)LG:_"B[+0*?/QTW\?-CWHMO#FBV
M6GM86VE6<5HT@E:%(5"LX((8C')! .?84_5=8MM'CM'N%D875W%:1^6 </(<
M*3DCCUK0H S-4\.:+K<D4FJ:59WKQ#"-/"KE1W&2.GM6BD:1Q+$B*L:C:% P
M /3'I3J* ,O3O#6AZ1<RW.G:196D\H(>2&!4)!.2,@=,]JO6MK;V-K%:VD$<
M%O$H2.*-0JHHZ  =!4U&><4 95WX9T*^U--2N]'L9[U""L\D"L^1TY([=O2D
MN_"^@WVH-?W>C6$]VP ::6!69@!@9)'/'%:U9\NL6T6OVVC,LAN;BVDN48 ;
M J,BD$YSG+CMZT 0WOA?0=22V2]T:QN%M4"0"6!6\M1T49' X''2KJZ?9I)/
M(MK"KW"JDS! #(J@@!O4 $C\:LUGZGK%MI4VGQ3K(S7UT+2+8 <.59LGG@80
M_I0!92RM8[!;%+>);18O)$ 0! F,;<=,8XQ3+?3K*TD,EO:01.8DA+)& ?+3
M.U>.PR<#MDU:HSQF@#*NO#&@WMC;65UH]C-:VO$$+P*5B'HHQP/I5BWT?3+0
MVYMM/M8?LWF"#RXE7RMYR^W XW'DXZU=HR/6@"HNEZ>D5Y&ME;A+UF:Z41C$
MQ8;27_O9'!S5:]\-Z'J36S7ND65PUJ L!E@5O+ Z 9' X'%:E% &3=^%M OK
M>TM[O1K":&S&VVCDMU*Q+TPHQP.!QTXI+KPMH%[;06USHUA+!;LS0QO I$98
MY; QQD]?6M>B@"A;Z)I5HT36VFVD)BD:6/RX578[+M9A@<$KP3Z5E:EX6^WS
MZ19Q&SMM!T^5+C['';X9I(R2@!SM5 <'&W/&,X-=)TJG>:I:6-Y86L[D37TK
M0P*%)W,$9SD]OE4T -?2K>37(=78'[3#;O;+@#[KLK')QGJ@[XZTS5- TC6S
M$=4TRTO##GRS/$'*YZXSV/<=ZL65V;RW,K6T]MB1TV3J%8[6*[NIX.,CV(JS
M0!DS^%] NK'[%-HU@]J)3,(C NT.>K 8X/O5^SLK73K2.TLK:*VMHAA(H4"J
MH]@.*GHH QD\(^'([F2Y30M.6:1Q(SBV7.X,&STX.X _49JAI'@?2=/OKK4+
MJSL[N_EOYKR*Y>W7?$'<L%!.3E<GG^5=16/>^(X+/4[K3EM+RYNK>S6],=N@
M8NC.R +DC+94\?K0!GV_@?2?[<U/5=1L[.^GNKQ;F%IK=2T&(T3;DYSRF[\:
MW)=)TZ>262:QMI'F:-Y&:($NT9RA/J5/(]*N44 9DWAS1+C5DU:;2;*34$(*
MW+0*9 1T.<9R.Q[5#+X1\.3W<]W+H6G27$Y)ED>V4ER>I/'4]S3-.\3P:CK<
MVEI97D4D7G?O954(WE.J'!#$\[P1QT]#Q6Y0!D7/A;0+R^%]<Z+837?F"3SG
MMU+E@  2<<G"K^0JY+I>GS_:_-L;>3[8H2YWQ ^<H& 'S]X 'O5NB@#/TK0M
M)T.*2/2M.M;))#N<01!-Q'3..M,OO#FBZG?1WM]I-E<W48"I+-"K, #D#)'0
M'FM.B@"G:Z3IUB\3VEC;0-%$88S'$%*1D[BHQT&><5!<^'-%O=/6PN=)LY;1
M9#*L+PJ55R22P&."222?<UIT4 5K#3K'2[?[/I]G!:P[BWEP1A%R>^!58>']
M'%[+>C2[,74LJ323>2NYY$SM8G')&3@^]:5% %233+"9KII;*WD-V@CN-\8/
MG*,@!O[P&3P?4U%I6@Z3H4<B:5IMK9+(07\B()N(Z9QUQ6A10!FZIX?T;7#$
MVJZ79WIBSY9N(5<KGJ!D=/:FZCX:T/5V@;4=(L;HP+MB,T"ML7T&1T]NE:E%
M $"V-JETMTEM$LZQ>2) @#"/.=N?3/.*J/X?T>2.TC?2[-DLYO/ME,*XADSN
MW+QP<G.1WK2HH RHO#.A0:LVJQ:/8IJ#$L;E8%#Y/4YQU/<]:G71=+6SAM%T
MZU%M!*)HHA$NU) =V\#'#9).>N35ZB@"I9Z5I^GSW4]G96]O+=OYEP\484RM
M_>;'4\GFD;2=.:WE@:QMC#--Y\D9B&UY-P;>1W;< <^HJY10!1N]&TR^%R+O
M3[6?[5&L4_F1*WFHI)56SU ))'IFJD?AVQTJVE?P_IVFV-]Y3)%*;;Y>2#AM
MI!(R!GGM6S10!D>&M"7P]HRV?FK-.\LEQ<3*FP2RR,6=MO89/ [  5HK:6R7
MDEVL$:W,B+&\H4;F522H)ZD#<<?4U-10!E6WAG0K/5&U.VT>QAOF))N$@4/D
M]3G'4]SWK-USP/I.JW,5[;V=G:ZBM[;W4EVMN#(XCD5R,C!RVW&?YUT]% &1
M<>%?#]WJ$FH7.B:?->2##S26ZLS?4D>G%6VTG3GF:9K&V,K3K<,YB&3*HVJ^
M?[P  !ZXJY10!EZIX;T36YHYM4TFRO)8AA'GA5R!UQDCI[=*N"PM%O$NUM81
M<I$8$E"#<L>0=@/9<@''M5BB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ JKJ%D;ZU\E+JXM7#JZS6[ ,I!SW!!'8@@@BK5% %'2M,BTFS,$<LLK/*\T
MDLI&Z1W8LQ.  .3T  J]12,"RD!BI(QD=10!RNI6\%O\0/#AAACC,D5\[[%
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MNJS6<R)<%5!?.%D15 7.>,X'%>V[1NW8&[&,]Z9);PRQ^7)%&Z9SM901GZ4
M>-_VGIFI:9X;LKG3=/A@%M=/%_;5^S6.$E"93</WQQRF<80\55T9-+EL?"5Q
MJ?V-K2V\0WMNDLJE8XTVS&-%WDE5W!-H)_NU[=)!#*JK)$CA3E0R@X/M2M%&
MZE6C0@G<05'7UH \>L#82RZ/#XC>+_A'WOM7W"Y;$#7(NCY8DS\OW?,V@\9]
MZ2&UM=2DTRQA+R^'7\4O'8J'.QX!:.65#GF+S-X Z$9'2O8GABDC,;QHT;=5
M*@@_A2A$ 4!5POW1CI]* ./\%VD&E^(/%FEV,2P6%M>PM!;IPD6^WC9@H[ D
MDX'K7':M_P (LVI^/FU>:$:O'.#8AY,3(WV:+88!UWE_[O/W<\8KV(* 20 "
M>I]:S-/T&UT_4=2O5)EEOKD7+>8 ?+81I'A>..$'YT >< :--JFK_P#"PY+=
M+R.RM6M1=OMVIY"^8T'^WYN_)7YL@>U8^HR:DWAS4)-4,HU ^#;4S&3A\^=)
M][_:QC/O7N$D,4K(TD:.4.5+*#M/J/2E*(V=RJ<C!R.HH \LU/\ X1I]9\5R
M>,) -1AG7^SP7Q<+;^4GEFU&<[C)O^[U;@TNJ17,.OW7@^-9Q;>)+B&]5FZQ
MQ8S=J3V)\L?C-7J+PQ2.CO&C.GW6*@E?IZ5E6^@A/$DVMW-[/=3&(P6T4BJ$
MMHR06"X )+%5R3D\ 4 7YWL],M)[N;RK>"&-I)9" H5!EB3[=3^=30RQSPQS
M1.'CD4,C#H01D&G$!@00"#P0:4  8' H **** "BBB@ HHHH **** "BBB@
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MCL[^"2:5K1PL3I,&EG\XC:0RAN0Q+;\4 >IC4[ V2WHOK8VC,%6?S5V$EMH
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MEC661HH))4B1ONL[(I5 <'EB*75/&6A:/.T%W>2&1(A-((+:6<1(<X9S&K!
M<'EL4 ;M%<C=^.;5/$,NDVY7;_937\=VT4CQ$X)&2JXV;1G(//0<\5;E\::/
MI]K9_;[X-<3VJ7+"TMI90$(_UA"J2B9S@MC]* .CHK!O?&>@6!MEEO\ S&N8
M!<0);PR3M+&?XE$:DD?2JEWKFJZA'9WOA<6=[IUQ!O$SQL?G\Z-<=1CY#+G(
MX*\^A .IHHHH **** *>JZ7::SILNGWT9DMI=N]0Q7.&##D>X%7*** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH *AN[2VO[9[:[MXIX'QNCE0,IP<C@^]344 0VMK;V5LEM:P
M1P01C"1Q*%5?H!4U%% 'GD'A#49?#5PT:BSURSU>\O\ 396((^:9V ;!^XZ'
M!'H?458T?0-0'P9?1+ZP U!]/N(S:L5;]XV\J,YQU(YS7=T4 <S!8:MIWP\L
M[+2(+>+5+:RA5()@/++*%WH<<<X89]3FN8MM%>]\3Z5?:3X-N/#=U!<"34+L
MM#'')%@[HML;GS=QQR0,8SFO3:* /)-,\/VUC_:":O\ #.35;J34+F87?D6D
MGF(\K,G+R!OND=17HM]%+?>$;J&&S>WFGL71+5]H9&*$!#@E<CIP<5K44 <5
MX5U+5K?1-)T2[\*ZM;-!9QVTES(\!B5EC )XD+8R/3O7-0>'-4L-%T!9-(UJ
M&^M](CMC=Z/=QB59%))BE1VV,G.0>>2>E>M44 >9SZ!XDO'@AU"VS<ZAX:DT
MRXN[<H([>X.3E@"..<?*",^U0:3X:U&\N-(MKK3]<MVL8G$L][?HT,#^4T8\
ME5)+YW'KM '7GBO4Z* /,[.QUUK'P=HDOAR>$Z)=P_:KLR1F$K'&R;H\-N.[
M(/08Z'FNG\8:3?7T.F:AI<237^E7BW<<#N$$Z[61TW'@$JYP3QD"NEHH Y)-
M2\1:]J%O;P:/=:-IRJYO)[[RS(^5(5(U1V[D$L<=..M8%GI6N3^'?#GA670Y
MK:32KJU:XOS)'Y&R!@V^,AMQ9]HXVC&XY]_3** /.H?#6IKX6T^T:Q/GQ^)?
MMTB;EXA^V-)OZ_W"#ZU2\8V5_8ZAJ^H_8?.CN=7T@VR%U G*.H*\GCG R:]2
MJ"ZL[:^C1+J!)DCD25 XR%=3N5A[@@$4 >?:O9^)-6NM7UW3M(FLI38P64%O
M<B%II0LQ>1PI+("%)";CUY]*R[OPYKM_<:]/%8:Q)%=^'+FRA?4[F-I9)V8$
M+M5L(#VZ=#G'&?7** .4N=&N9?$WA>?[*&M+2QNH+D\80NL052.^=K=/2L7X
M?:7<IK-^;IA):Z#OT?3GW9RF_>Q^H7R4^L9KT*:*.XADAE0/'(I1U/1@1@BH
M-.TVRTBQCL=/M8K6UBSLBB7:HR<G]3F@#E?%/AB?Q#XEB5HC]ADT:\M'GR/W
M<CO$4XZY^4D?[M8^GZ!XANSH6L:M9;=5DUE+F^0.I\B*.WDA7G/()^; SS(:
M],HH \A?1?%-]%IBWEAJSWEKJT%S<H)H(K)(TG#$Q(A!?Y>?F&>I)S@':N_#
M>J/X&\3V"61-U>ZO-<PQ[ES(AG5@V<X^Z,\^E>B44 >9Z[I^O0VGC?2;/0KF
M\.MEY;2YCDC$0#6Z1L&W,"&!0X&#G(INLZ9XCN+W5+4VFJM!-:1QV*Z?-##"
MY\K#>>Y(?(;/MMZ UZ=10!PW@W1-2T_5;.>\M&A1/#EC9L693B:,R;TX/;(Y
MZ<U6\6Z=LU;5)[.+3]7-Q91R:CHEXP5I(DW!)(G_ (2/F'(QD=0:]"K+U;PW
MHNNO$^JZ9:W;Q A&EC!(!ZC/H?3I0!1\'^:OP_TATO?M4CV*21SS@\[ERN[)
MS@ @>O%8*QWFL:[H]W)HBZ7J-O+OU*_$D829 A4QJ58M(K':1N' 4=Z[F2SM
M9K(V4MM"]J4\LP,@*%>FW;TQ[5E?\(9X6_Z%O2/_  "C_P *[<+7ITE+FW?E
MY6[K\;DR39REG8:BVC:+X6EL6CCTZ\B>6^,L?DO#"^]2N&W%FVJ,8&.:EU]-
M1UM7LI-%B35X[D?8]8B>,1PQ"3<'#%MX.W(* <G/8UTW_"&>%O\ H6](_P#
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MB?\ Q='_  E'B#_GWT?_ ,#$_P#BZ[#[':_\^T/_ 'P*/L=K_P ^T/\ WP*
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M_P#/M#_WP*/L=K_S[0_]\"@#C_\ A*/$'_/OH_\ X&)_\71_PE'B#_GWT?\
M\#$_^+KL/L=K_P ^T/\ WP*/L=K_ ,^T/_? H X__A*/$'_/OH__ (&)_P#%
MT?\ "4>(/^??1_\ P,3_ .+KL/L=K_S[0_\ ? H^QVO_ #[0_P#? H X_P#X
M2CQ!_P ^^C_^!B?_ !='_"4>(/\ GWT?_P #$_\ BZ[#[':_\^T/_? H^QVO
M_/M#_P!\"@#C_P#A*/$'_/OH_P#X&)_\71_PE'B#_GWT?_P,3_XNNP^QVO\
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M_@8G_P 71_PE'B#_ )]]'_\  Q/_ (NNP^QVO_/M#_WP*/L=K_S[0_\ ? H
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MT/\ WP*/L=K_ ,^T/_? H X__A*/$'_/OH__ (&)_P#%T?\ "4>(/^??1_\
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M H^QVO\ S[0_]\"@#C_^$H\0?\^^C_\ @8G_ ,71_P )1X@_Y]]'_P# Q/\
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MSYNXY[6&WMK3,#IMC1%!*@G&<L ,<\T =[9^,_#FH7L5G::O;RSRDK&%)PS
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MHHH **** "BBB@ HHHH **** .7\1ZYK-IXCTG1M%M[!YKZ&XF9[QG"J(]G
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MST'H.W058HH **** "BBB@"O9V-MI\+16L0C1I'E;!)+.S%F))Y)))JQ110
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
D !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>ex97-ibcrpolicy2023x11x1002.jpg
<TEXT>
begin 644 ex97-ibcrpolicy2023x11x1002.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M**Y;XD:E>:1\/-:U#3YVM[N" -'*N,J=P'>@#J:*\=3Q7KIUWX70'4I?*U6Q
M$E\O'[]O+4Y/'J>U;GPSU[5-9\0>-K?4;V2XBL=5:&V5\8B0,XVC'T'Y4 >C
M4444 %%%% !117C_ .T#*R:%H*BXD@2340LCH^S"E3GF@#V"BOFGQ7!H_@B^
MT:]\!^,;S4=3DNU1K1;Y;A77WV<<G P<YS[5U_B=]1^(?Q<E\$+J5S8:)IEL
M)[P6S[6G)"'&?^VBCG(&"<4 >ST5X+XMT"7X+SZ5XC\-ZG?OILETMO>V%S+O
M20$%N.!V5N>H.,&M^2\G?]I6UA6XE^S-I6\1[SM/RMSCI0!ZW16%XU9D\">(
M71BK+IMR00<$'RVKQ6+Q;JVC? +PS:Z7<R)J>KW<UJMR6.Y%\Z3)!['[HSV!
M..U 'T/17CMY\#Y+&QAO?#GB348?$<;*S7=Q<'9*<C=D $COCKZ'.<U-\3=&
MUW2;72/'6G3;]8T=$_M&.$L(KA /F;;Z<L#_ ++?[- 'KE%>(V6I2_&7X@6<
MUJ;B#PKHL:2S*25\^9@#L..O(Q]%/]X5[=0 45\W?$75-<\0^--=UK0[F1++
MPB(5^1CAI!)\QP.#AMV?9*]+\=:['KGP,O\ 6[%V1;JRCE4JV"A+KD9]0<C\
M* /1J*\]TJ60_ !9C(YE_P"$?D;?N.<^2W.:YKP'X,L_'?PD\.G5;_4HFMI+
MDJ]K<;"VZ5A\Q(.?NC% 'L]%?.7PT^'VG^+;CQ"NHZIK"C3KXV\/DW6W*@M]
M[(.3Q[5M_P#"6Z;X6_:'\33ZYJ36MB;&../<'==Y2 X 4'' ;M0![E17A]KX
MKT[Q/^T5HMQHFI-=6 T]XVVAU7>$E)^5@/4=J@T329_C/XHUZ_UO4[V+0]/N
M/LUG8VTNP'KR>HS@ DXR2W4 8H ]WHKQ33([[X7?%;2O#=OJ=W>^'=:C(CAN
MGWM!)R!@_4#IC(;GD9KD-/L_"^K>/O&J^+?$MYIBP:G(+18[ORPX,LF[J#TP
MOYT ?35%>&?"N\GC\;>)]+T;5KW5?"D%KNAN+EBP67Y< $@>L@X R%!J+X5^
M%+;QW\+A!JM_J,8@U25U>VN-K']V@P20>.: />**^<O 7P]T_P 3>*?&&FWV
MJ:PL&CWOV>V,5UABN^1?F)!R<(.F.]=+XKBN?A;X^L/%EK)<2>';_%KJ4)8L
M(F/\8'OC=]0P_BH ]HHKR'X?0WOCWQK?^/\ 4#-'I<+&VTBV9B%*KD%R.G&3
M_P "8_W17KU !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !7(_%"UN+[X::[;6EO+<3R0 )%$A=F.Y
M>@')KKJ* /$DT;5!X@^$LG]FWFRST\+=-Y#8@/EJ,.<?*?K5[P2^H^%KCXC:
MM/HFHS@ZLTL$$<#![A3(XS'D?,.0<CM7K]% %;3KMK_3+2\:"2W:>%)3#*,/
M&6 .UAZC.#5FBB@ HHHH *\H^.FD7NL:3H$-GI]S>A=24RI!$TFU-I!)P.![
MUZO7)>*?!VH>(M2BN[3Q;K&CQI"(S!92;48@D[CSUYQ^ H LZ5X \)Z)>I>:
M=H%E!<IRDHCRR'U!.<'Z5P7BO3->\%?%-_'>CZ3/JVG7UN(+^WM@3(F HR ,
MG'R(<X[$'&0:V/\ A5^M?]%(\3?]_O\ Z]'_  J_6O\ HI'B;_O]_P#7H Y/
MQ)=:[\9;W2]$LO#NHZ5H<%R+B\N[^/RR< C"CH2 6P 3DD9P!4_BJXU+PW\<
MX?$$/AW5M2L8M.6'_0K9G&2&&,XQQ72_\*OUK_HI'B;_ +_?_7H_X5?K7_12
M/$W_ '^_^O0 R7QM>>,/#GB/2U\):]I\ATBY:-[NU*K(VS:$7U8[N![&N.C\
M!ZWK'P(\/):6DT&N:3<S74=K.AC=AYSDKAL8.-K#/7'O7:?\*OUK_HI'B;_O
M]_\ 7H_X5?K7_12/$W_?[_Z] &%J7Q.\8:[IL6D>'O!^L:?X@E9%EGN+?]U!
M@@L06&,'&/F P#7JA@N_^$:-O?NES>&T*3LB861]F&POH3GBN(_X5?K7_12/
M$W_?[_Z]'_"K]:_Z*1XF_P"_W_UZ (_@3IEYI7P]>"_L9[.X:]D<QSQ&-B,*
M <$ ]OTKMO%&IW.C^&-1O[.UFNKN&!C!##&9&>0\*-HY(R1GVS7&_P#"K]:_
MZ*1XF_[_ '_UZ/\ A5^M?]%(\3?]_O\ Z] ''>#O@_K]WX1\ZY\5ZCI+ZJK2
M7E@(/O;LC#Y8$DKU!'?%3>$O#OB";X>>,/A[>6=RDML[_P!GW$T3)%.-V<*Q
MXP64'K_'[5U?_"K]:_Z*1XF_[_?_ %Z/^%7ZU_T4CQ-_W^_^O0!Q5KXWURQ^
M&S^"I?!.N'6!9/IZ,MNQC((*ALXST/;(..M>H_#/0+OPQ\/-)TJ_4)=Q([RH
M#G:SNS[?J-P'X5A_\*OUK_HI'B;_ +_?_7H_X5?K7_12/$W_ '^_^O0!3^#.
MF:AIUUXN-]8W-J)M3+Q&>)D\Q<MRN1R/<57TSP[)=_M#>);S4=&:;39+!!%-
M<6NZ%G"P#Y68;2>&Z>AK4_X5?K7_ $4CQ-_W^_\ KT?\*OUK_HI'B;_O]_\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M7=D[1RVTE6Q_LUBW<-CX^\9.VF*\FFG1;BRO;WRF5':5EV1@D#<5PS<=,^M
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ME%%EF9RR[<@;BBYY[%@*3X=R:AK^K3:MJ\3+/HUL-%7=_%.IS<2#ZD1C/L:
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MJ"-V_)*]]V1FH],N(+'QMH$TFDS:/;7F@R6UM:M&2(Y#,K",D#"G:,X.,=*
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M8!D=F(QAAD Y^;?QG-9)AELM#U_0-6UC48;NYN[G?ID.EI*][YCDJ\;E?FW
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M:N%P5)Z-G&*@_M"70_'-OKOBNW%JMWHL4"S1HTD5O.'9I(MP!P3N7!/7;[4
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M-F6MS;.C6)B93*[D@!0 &&<_-NXSFNN\$Q21ZEXO+HRA]<=E+#&X>3#R/44
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MNIDA@B4L\DC851ZDU-7(>+I#=^)/"FAM_P >UW>27,X_OB",R*I]M^P_\!H
MZ\<C-%<.;WQ)XCUO7H='U:'3+?29A:Q*ULLIN)O+5V+ENB?,!A<'J<TV*_\
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MNT $Y4[@><GCK5./5O&8;PJS:Y9LWB*,AXS8C;:'RO-W(0<L< CYCC)SC'%
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M*A8H=Q^7&#[YQ[TRQ\7ZKJ.F^'-/1HX]=N;][74?D!$:VY/GL!T&<*!_UT%
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ML=I+Y2)*LT<8PA8.#\X!/S>_.:T8_&7AZ319=7&IQ+8PRK#-(ZLAB<L%"NI
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MQ0!B3^ FS?6UCX@U&PTJ_F::XL8 F-SG+['*[D#'J >YQC-;6G^'[;3==O\
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M/).,Y&* (8_AWM72[:3Q#J4NFZ5=17-E9N(\1^6P*JS!=S@#@9/ ]3@U8NO
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M:*SC=#<>'+ZU6XVD(LCM'M!;H.Y_ UW]1W%O%=VTMM.@DAE0QR(>C*1@C\J
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MJ$W*"%*D$$,1@<]*SK6XU/3H/#%K<M?:-;+X=MD-[9Z5]HN9)0!N@+&-RF,
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M[1EK>.&.5G((X#F/'/.7P><UZE]MM/*$OVJ'RS)Y0?S!@ONV[<^N[C'KQ4]
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M&GI=1^;\V[S\JS*!\N  ,C/-3>)-09O"?AKQ+'=V]U<VU[:/]IM@0DRRL(I
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M4RSSH01O.,;> , # '&*UH=$MH/$-YK2O*;F[MXK=U)&P+&6((&,Y^<YY]*
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M,%?.#MW2,S#CIM- '9T5#9Q2064$4TIEE2-5>0_QL!@G\:FH **** "BBB@
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%<%\7O$>J^%_! U#1[L6MT;N*+S3&KX4YSPP([4 =[17B]OXL\1:;XMT"
MRM?'.F^+HM0NQ!<6MK:1(T,?\4F8R< #)Y/;\O:* "BBN>\46.L3VSW6E^(9
M],%O"[-'';12B0@9!)=21T[4 =#17EUC>^*8OA=/XMN/%,]S.^C/=);M9P*D
M<FS<""%R<'L>*Z70_'5CJ=SIMC+;ZA!/?0[[:>YM3'%=%5W-L/TR>0,CI0!U
ME%<;I_C2T@T/3GDGO]8N[V6Y6!8+,++((Y&#?(#M"KPN2>>#U-=#HFMVFO:>
M;NT$RJLC121SQF.2.13AE93T(- &C17(?$#4=3L;70X=*U%M/EO]7ALY)UB2
M0K&RN3@.".H'Y5FR7^O>&_%>@V-QXE76X=4G>"2VEMHHY8P$+>:IC X&.<CO
M0!Z#17)'XB:()"_E7_\ 9PG^SG5/LQ^RA]VW&_TW<;L;<]ZSKSQ+>0:CXJBN
M-4DM;>QU"P@MWCMDD*"58BRX/4,S$9/(SD=* .^HKE]3\>:5IEY>0&WU"YCL
M,?;KBUM6DBM>,_.P] 02!G ZUH67B?2[XZGY4Y4:;M:X9Q@!&02*X/=2IR#[
M&@#8HJII>HPZOI5IJ-NLBP742S1B5=K;6&1D=N*R=6\8V.E:C+8"SU&^N((E
MGN%LK<R^0C9VECD==IP!D\=* .AHK@[[QS]G\8Z6EL;J]TN_T=[J"WM+;S))
M9/,3:W0$80MG) ]><5K+X[T9]"CU4?:B)+HV2VOV=OM!N 2#%Y?7<,'VP,YH
M Z:BN$UWQT)/"/B6738[S3M8TNS\[R;VW"NFX'8X!RK X/KTK3T/5[Z\\::[
MI\\V^UM;2RDA3:!M:19"YR!DYVCKZ4 =117-?$#5[O0O NJ:G8S>3<VZ*R2;
M0VW+J#P01T)I^E^,M.U/4X]/-O?V4\T336WVVV,0N(QC+(3UQD$@X.#G% '1
M45REM\0=&NIX-L5^MC<3""#47MB+:5R< !_0G@$@ GH:ZN@ HKEM2\>Z9IT]
M\@L]3NX=/;;>W-I:F2*W( 8AFSR0""<9QWJ?4/&>FV5Q:V\$-[J-Q<VXNDBL
M(#*PA/21NF%/;N>PH Z*BO/?#_Q#MQX<AU'5IKFX-]JMU:V7DVQ+N%=_+38
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M#B/<?XL@CIC((SQ61JGCBYTJ&-K5[K4C+XB:PD(LP#"@8;HEP?F/96/)Y]*
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MVXM+5I(K8XSAV'< Y(7) ZT =/14=O<0W5M%<6\BR0RH'C=3D,I&01[$5)0
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MS:20DQ[MH;Y@.I_3F@#S5O"U_IL&LZ3-H_B*_FN;J=[5K/4WBLYXY6+#S )
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MZ)<OXST_3+)O]$\2P):ZB-V&V6S!R_\ P*,M&?J*]1K,@\/Z7;:[<ZW%:_\
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MH!;0M'.ZAHAT1P#AQQGG/-4H_A_H$6DC3(XKI;>.X^TV^+N3?:R>L39R@Z\
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MPYH-O>SV,&J7,HN+BW;;)LCB+[%;^$L0.1S@'%:NG>%]*TJ>PFM(&1[&R-A
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M%QL13,Z*G R3R3BMFZT#4I-!\"6R6N9=,N[22[7>O[I4@=6/7G#$#C- #_\
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MZZ]MJFF_V1+@^)X]3BN/-CV2P-.KDCYL@JH.01],T =9I_C6RNKV\L[VRO\
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M:A.L%KJ$T"K#(['"<;MZANQ*CK747PN6T^Y%DR+=F)A"S_=#X.TGVSBO(?\
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M;>%8$\YV1WRH (4*H4_,2. ,\U(WQ#TNWTC5;^^L]0LGTJ2*.\M9XE\V/S"
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MAVYFO/#.E75PY>::SADD<_Q,4!)_,UI5F^'K::R\-:5:7";)X+.&.1,@[65
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M763I+Z4E[);G4IB6F\UDW;]V\#')4$ G&1P*S+#5)]2\*^&-/NKC6]2O)7O
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M(R<>@X&*6TM+C2=-\!Z['JVJ37^IW-K#>M/>221S)+"S$&,G:,$#& .G<\T
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M#K_VT-=_-*L$$DSYVQJ6..N ,U4T;5;?7-%LM5M!(+>[A6:,2##!6&1D<\T
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M_(W'6KWB?PA=^(?$.H-E8K.[\/RZ>)MPRLK2!A\O7&!FNK_M*#^Q_P"U,/\
M9_L_VC&/FV[=W3UQ7+VGQ&CO[.&[M/"OB>:WG0212)9*0ZD9!'S],4 4I+7Q
M;K%]X82^T."SATJ]6:[F%VCB0B)TW1@<[?F[X/(XZFH]+\):O:W>A22P(%M-
M<O[V;$@.(I1+L/N3O7CM7H<3^9$DFQDW*#M<8(SV/O3J /-/%?AZY6\\2ZO-
M<VUG%)+ID]C/<28C::!S\KXY4%BJY]\]JDBO]8U+XL:"NHZ;!8_9].NY/(CN
MA.X#&,%F(  4G 7UP>E>A7-K;WMM);74$<\$J[9(I5#*P]"#P15'2/#FBZ )
M!I&EVEEYN/,,$04MCIDCK0!D^*=*U*36-#U[2;=+NXTMYE>T>01F:.50K;6/
M 8%5(S@'GD5S6M>%?$'B.U\1ZE/81VEY?V]K:6ED9U9ECBE\QF=Q\N22> 3@
M#K7I<TJ00R32MMCC4LS>@ R36=:Z[;7RZ5+:0W4]MJ<!GAN$A/EHFT,-Y/W2
MP;@'K@T 4=4TB\NO'7A_5(D4VEE;W:3,6 (,@CV\=_NFJ7CC2]7U*723907%
MYIL4KF_L;:\^S23@KA/GRN0IR2NX9X]*Z^B@#R(> ]9_LSQ=#;Z/;V*:K]A:
MTMTNA)M\I\N'8_Q8Y[CG )Q7=Z'I%Y8^+/%%_.BK;ZA-;O;L&!+!(51LCMR#
M6_--%;P23S2+'%&I=W<X"J!DDGL*X[_A96GFV-^NC:Z^D#G^TULOW&S^_C._
M9WW;<8H S[F_U>Q^+&KMIFDC4D;2;42Q+<+$ZG?-M(+<$=<\YZ8S69<_#O41
M:Z3J5S8V^IWL5W>75]IZ7!B5OM+;B(WXY0A>N >>E=AJOB+1]'GL-0MK";4;
M[6%$=N=/B1Y9XU4OG<2!M )/)[T6_C6WN]2NK2UTC5YX[6Z%I)=16ZM$)=RJ
MP^]NPN[).,  \T <H_@G4)_#FLI:Z!9Z7->W5D8;87!DE,<,RNQED+%2?O$!
M>GJ<UN^-]#GU>^LVE\-VVN6$<;#:DXM[J"4D89)"RC:0,$ @Y //2NUHH \S
ML/#/BC28M"U<I_:-[I\EVC6,UWND%M,0503-PSIM7DX!Y&>!2:IX4U_7K3Q!
MJ5Q916M[J4EA';V7GJQCA@F5V+N/EW'+' SC &37IM% '*ZWHNI7?C"QU.R2
MW,<&F7=OOG^9!+(8R@9<Y*_*<XKFO#GA35;+Q)IEW9Z#_P ([%$7;4A!J'F6
MUWE" L<() ^8@Y(7 '>O3ZSM=UJT\/:-<:I>B0PP[?DB7<[LS!551W))  ]Z
M &:!JTVLZ?)<SV@MF2YF@"K+Y@8(Y7<&P.N/PKCM5\):O=W>OR10(5O-:T^\
MAS(!F*(1;S[8V-QWKN-(U2UUO2+34[)RUM=1++&2,'!&<$=B.A'K5V@#C/$?
MA6ZU[Q-<R9$=C<^'[G36FR,I)(Z$?+U/ )_"C29/&+)I6F7&E6]A!:*$O;O[
M0LJW"JA4")1\PW'!RV, 8YKLZ* /,=*\->(O#MEX.O(=,2^N=+L9[.[M$N41
MAYA4AE9OE."G//>DB\)^)3#=:K):6JZI'XA_M>"T%QE)8S"L9CWXX;!89(QE
M?0UZ?2,P52S'  R30!YOJ.B>)O$%YXEO;C28[%;WP])IUI"URCN9"7(WE>!D
MMV)&,<]:W- T&_L/%DU_<1JMNVCVEH&#@GS(RY88_P"!#FM>S\0VFHQ:7/8Q
M75S:ZDK-%<1PGRT4*6!<G[H.,#(Y-:U 'E5IHNI^&W\,SA;635X+G4E73Y;@
M(;F&:4R'8_(WJ-C8/4$^E:_@2XOKWQCXSN[Z"&&0SVL7EP2^:J%8ONE\ %@"
M,XZ$XKL-5T;3-<M1:ZK86]Y &W!)XPX!]1GH?>GZ=I=AH]FMGIMG!:6RDD10
M1A%!/4X'>@#FWC.G_%F.XDXAU72OL\3?]-89"Y7\4D)_X":YNY^'FJ7-[XHC
M/EBR:&9M%.\92:9UF<X_AQ+&OX&O3;BTM[LPFXA20PR"6(L,E'&<,/0X)'XF
MIJ //+?PEJXT#PX)XXFU)-<75M3VN, L9"^#WQN51CL*K7/A?7Y+77--73T,
M5QK\6J07(N%Q)'YT;LI7J"H0]>O:O03? :LNG_9KDEH#-]H$?[D88+L+?WN<
MX] :MT <5XI\)7?B+Q#,P*QV5QH-UI[39&4DD="OR]2,*3^%4Y-.\4:_#H6E
M:EI$-A!IUW!<W=X+I9%F\DY B4?,-S ?>Q@9ZUZ#10!Y5J?A[Q8OA?Q-X7LM
M'@FCU&YN9X+]KM539*Y?:4^]OY*^G?-=1;Z9JME\1FU%;)9M.O--AMI)Q,H,
M#QM(W*GE@=P'%= ^K6::P-)\PF]-LUUY04_ZL,%SGIU.,4_3KT:CIT%X+:XM
MO.0/Y-S'LD3V9>QH QM8TB\O/&GAO4H44VMBEV)V+ %3(BA<#OR#7/>%/"6K
MZ5-X.:[@11I>G75O=8D!VO(R%0,=>%/2O1** /.K[PEJ\_@3QGI4<"&[U34+
MF>U7S!AD=E*DGMT/6E\0^$=7U)/'0MXH\ZM#:"SW2 ;VB7Y@?[O/'-=G_;5K
M_P ))_86V3[7]D^V9VC9LW[.N>N?:M&@#S;5=(U_5]>^W:IX?N+ZPEM(U@T]
M-5$4=I*"V_S & DS\OS#=@#&*J:=X2\1:-X7\.QQZ9;SWFD:S/=/:PW"HKQ/
MYH!1FXX\P<'!XKU2L/4O%FE:9:ZU/*\DG]C1K)>)&F67<NX 9P"<8/7O0!R3
M^$=<MYI]5M;>&2]M?$<VIV]N\H47$$D8C*[N0K8)(SW'/6DUKPYXA\4?V_J5
MQIJ6$TVBR:796;W".[EVWL[LORKR% &3W)Q7I",'17'1AD4Z@#EM1T2^N-<\
M'W44:F+3))6N3N VAK=D&/7YB.E0Z#&;[XA>)M63_CWACM]-C8='>,,\GY&0
M+]0?2NINKJ"QM)KNZF2&WA0R22.<*J@9))KC+7Q]HNG6,<R:'K%CHCON747L
MMEO\[9WGG>%8MG<5[YH MZII>JK\0(-6M;);FRGTM["9Q,J- WF;PQ!^\#TX
MK-C\*ZLOPY\+:,84^VZ?=6,EPGF#"K%(K/@]#@ UWX(90RD$$9!'>EH \FNO
M EY97^N)'X7@U@W]W+=6MX]^84B\TY*RIN!(5B>5!R/2O3-(L1IFC6-B$A3[
M/ D6V$$(-J@?*"20/3)-7:* .:^'^CWN@>!]-TO4(UCNH%<2*K!@,R,PY'L1
M7*Z-X3\0>'])\+7T-E%<W^DK=P7-CYZJ9(YI"P*.?EW#"G!P""1D5Z?60WB.
MSA5#=Q75H9;_ /L^$3PE3+)D@%?5#@D-TP* .*U+PIK^N0:[J=Q916M[J,^G
MK!9>>K&.&WF#DNX^4L<L<#., 9-79-,\2:)-XCLM*TJ&_MM8N)+J"Y:Y6,6\
MDB!6613R0"N1MSD''%=G:ZK9WNH7UC!+ON+%D2X7:1L9U#J,]_E(/'K5R@#S
M2W\':S':64;01[HO"#Z2_P"]7BX(3"_3Y3STK7N?#NHR:)X)M5B3S=*NK66[
M&\?*J0LC8]>2.E=I10!XGK4^J:1\*M>T6PBL+S2HWN(8M1%V =KRL3$8L;O-
M!8ICIT->P36$=]HTFGW2DQ3VY@E4?W67:1^M4F\)^'7U?^UFT33SJ&[?]I-N
MN_=_>SCK[]:?J'B*STI-3FOXKFWM=.@6>6Z>$^6RG/"$?>(QR,<9'K0!RVF/
MXY\/:)#H,6@6VI26D8M[74OMJQQ,BC"-(A^<$#&0,YQUI5T'Q'H6IZ/K<9_M
M^]BTY["_5I5BDDRXD#H6PO# C!(XQWKK%UNU?Q$VAA9/M:V:WA.T;/++E!SG
MKE3VK2H \U;PEKM]>#6;JVAAO+O7[2^EM4F#"WMX4V#+=&;')QZ\5TMEH]Y#
MXXU_5'C46MY96L,+;ADLGF[N.WWEKI:* /(-*M=<\+:WX,L8],2\OK;0;B*Y
MMEG53M\R+.QC\I(.WJ0,9YK0O/"_B>:SNM1,#"?4M62[O],M+WRG:V6,1K$)
M@0-WRJS8(!Z9]?2&L[9[V.]:WB-U&C1I,5&]5)!*@]<$@<>PJ>@#R/\ X0;5
MF_X2EK30X=.AU31#:6T'VL2N906_UC$GYCNZY(P!S79:CHE]<:QX/N8XU,6F
M2R-<G<!M!MV08]?F(Z5U5% 'F6AZ,TOQ5U***:.71M,E;48D4YV75R@4J>W
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MFW.GB3S?)P1\^<[\]=WOG-1ZAX)\-ZK="YO=)@FFV*C,<CS%7H' .' _VLT
M<'X;GN?&^HZ':>))IV@_X1^.]$"RM$+B5I"C2-M(W855..@WYJGK\FI6&I^'
MX?!]XVLWEK#JL,,MU)N:/:8\J"1\Y7[JYSDXR<9KU'5?#.BZW%;QZAI\4HMN
M("N4:,$8(5E((&,< XXJ2U\/Z39-8FUT^"'[!&\=KY:X$2OC<!]<#- 'F]U9
M:5K-I\/HK"]OI;.\OII);A[AA<2-Y$AD#N#D,2"I QCD#%5]5FN/#<GBS1M,
MOKJTTU;G3%$AG9S9QW#%9F1F)*\#UX)R*]-A\-Z-;W*7$.GQ)*ER]VI7/RS.
MI5W Z D$Y^M32:)IDTE_)-8PR-J$:QW>]=PF500H8'@@ G\Z .%U'3K?PKXM
MTFQT66X2WU*TO%O+62Y>56$<6Y9<.3AMV%SWW5D>%+:/7CX2T/4Y9O[,B\,Q
M7<=O',T2S3%@A)VD%MJXP.V[->C:5X1T'1'F?3]-BADFC\IW)9V*?W0S$D+[
M#BDN_"&@7VG65A<:9$UO8KMM5!*F$8QA6!# 8XZ\T >4"6ZT[1+C2=,GGN;:
M\\836DTAO#$\J",$1F;D@L5"ENIP1WJUJBZKHFE^+;6.-=*M/[$:X2Q753<R
M12AL"1,X9%89![96O3H_"7A^+1I]'32+5=.G?S)+8)\A;CYL=C\HY'I3;7P;
MX>LM/O;&#2X1!?+MN@Q9FF7&,,Q)8C\>* .*UKPNUG!HMKIDQOY)WDNKO3+S
M5)8GU%O+4%U?)P5)W;>%^;V%=%\/[VW?2+ZS6/4;:6RO7AEM=0N!,UNQ"L(T
MD!.Y &&,DGFMS5O#VDZY;0V^I64<\<+;HB25:,XQE6!!''H:HW'@W26T>WTN
MTMHK2UAO(KS")DET</G).2QQ@L<G% #/'=]#8^$KIIKB^A\YXX$-@0L[L[A0
MB$\*6SC.1@$GK7#Z<MUHWCR*RCTZ31X;K2+J22T.J-=%RA7:[ Y"L,L 03GG
MTKU'4M,LM8T^6PU&VCN;64 /%(,@X.1^((!S6=9>#O#VG7"7%KID27"JZ><2
MS2%6 # L221@#@GCM0!YOING?V?X/\"^(HKV_;5KJ]L(KB>2[D;S8I2%:,J3
MMVX.!QVSUS3]1TZVU[P7XXUS5;VZ34K::_@0BZ=%MDC!5(@@.W#+C((^;?\
M2O4!H.EC3[*P^Q1_9+%XY+:+G$31G*$?3%4=1\$^&]6OI;V^TBWGN)EVRLV0
M),# + '#$#H2,CM0 T?\DZ'_ &"?_:-<IX)T;Q=+X&T&2U\76]O;M80M'"=*
M5RB[!A=V\9P.^*]&^R6_V+[%Y2_9O+\KR^VS&,?E7+#X6^" ,#P[:@?5O\:
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M'<VXT<6PD$N1Y:Q8[_0<8_"M6N9;X>>$7OC>-H-F92_F%=I\LM_>,>=N??%
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MAZ_/'/J>G1SS1J467+(^T]5+*02OL>*LQZ'I<+V#16,$9T]66T"+M$(8;2%
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MK3418T5$4*B@!548 'H*=0 4444 %%%% !1110 4444 %%%% !1110 4444
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MEB6!VQTQY:GGU8U4LO NMK\/GT^^FMYM<N=0M[NZD#G81%)'@ XS_JXAVZT
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M][8>&[BYE>69_!U[ND<Y9C^Z&2>YH ]=TG48]7T>QU.%'2*\MXYT5\;@'4,
M<=^:N5@^"/\ D0O#O_8,MO\ T4M;U !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %4]3TG3M:LS::G9
M07EN2&\N>,. 1T(ST/O5RL?7=5U'3_LL.F:2;^XN&8%I)?*AA51DM(^UL>@
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MVUQ:W4EI/&DPE3>F,E7 &Y2"#G JMJ?C*+2;SQ!;W=H5_LJP2^B(DYND8,,
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M<OF+O(D"JI4@L_(XQ[U=M?&-W!JUGIWB'09M(>^;R[2?[0D\,DF,^667&UB
M< CG!P:J:A\18[&;7I1I;2Z=HP*2W(N$#23;58(B=2/G W9]: *VF^%/$'AE
MM+O=*&GWEPFCVVFWUM/.\2,T(^61'",>[#!7D8Z4ZS\#ZG%+IEY<75K)>C7)
M-7O]FX(-T31[(^,G *#G&<$^U=)HFKZEJ$FS4-&^P'R1)N6[2922S#;E><@
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MMS;%$SEEW'&00#S@'\:Q_'>EPZMK_AW1[.^B&I3J;'48(FRYL2%DD+#J!^[
M&>N^O2TNK=U<I/$P0X<AP=I]#Z4GD6L=T;GRH5N) $,NT!V Z#/4_2@"555%
M"J % P .@%<:GA*_7PIXOTLRV_GZS<7LMNVX[5$RX7=QP1WQG\:[.B@#S&22
M7PIXHG6QU;18;R;3+47UOJLKP)^[5D66)]N'&,@KQT'(S3/ >@ZA?Z-X0U=Y
M8V2TO-0NIF=2C2K,90C*N#UW!N3T->D7>GV5_L^V6=O<;#E/.B5]I]LCBK(
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M0MU)5% "C.>!7 :C\/\ 5;N^\0;]/T.^EU.65K?5KYV>:TC=<"-8RA'R]B&
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M:ZW3M(TS2(WCTS3K2R1SEEMH%C#'U(4#-69H(KF%X9XDEB<8=)%#*P]"#UH
MX/QUJ5EKDNA:#I=U#=ZE-JEO<A;=PY@BB?>\K8^Z !CGJ3Q7&ZWX>T1/"?Q'
MG71[!9K;4]L$@MD#1#RX3A3C@99CQZGUKV33M%TK1PXTS3+*R#_?%M L>[Z[
M0,U*^G6,D5Q$]E;M'<MOG1HE(E;@988^8\#KZ"@#RCQ;"^D:CXNAT2$6BP^'
M;4(EH@3RX_/EWE0O3"ECQ6EJMMX6TBU\SP<D46MOH]T;(:9@B5!'D-+M^]SM
MVEN=QKTD6UN+A[@01"=T"-)L&YE&2 3U(Y/'O5:PT72M*DEDT[3+.S>8YD:W
M@6,O]2H&: /'M$L8H4\'7EE<^&K2:2YAV7%CYKW=V"/WJ28!+9&[<6X4]2*Z
M[X<Z%IGGZUK36<3ZE_;5_&MRPRZ)YK#:I[#J<#N3796VA:19WTE]:Z58P7DF
M=]Q%;HLC9ZY8#)JU!;06RNL$,<2NYD81J%#,3DL<=R>IH X36X--O_BK;6GB
M)+>73UTGS+"&\ ,+S^81(0&X+A=GT!KC+BTTF?3$5H;6?0+7QC%#8O.JO$D#
M!?-1"W'E;]P]./:O:-0TO3]6@$&I6%K>0@[A'<PK(H/KA@:)=+T^;3QI\MA:
MR60 46SPJ8\#H-N,4 >:V_AG0M8UGX@W%]IMK=F.1(X#(@81+]E0Y3^Z>G(Y
MX'I6';M>ZOJ'@^*_&DW4#>&H9K>/6BQADG.!(P'(:0+LZ]B37M,5C:0+*L-K
M!&)<>8$C WX&T9QUX 'T%0W6B:5>V,=C=Z993VD0 CMY;=6C3' PI&!B@#Q]
M=-@O=#T33)[JTO=-;Q?Y:0V?F>1''Y,NZ%"P&Y-VX<97#$9KUN71].M_#LVE
M0V%NM@(706HC'EX.3C;TQDU:73K%(+>%+*W6*V8- @B4+$P! *C'RG!/3U-6
M: /$/#VD:)JFG?#"S-K:36TD=S)=1(J[9)1 "?, ZG(7(/7 S5S4?[,T'_A-
M=)6P_P")9)J=A%#8PS?9X0\L<9.Y@,)&3][ Z<=Z]6MM&TNS=7M=-LX&5VD4
MQ0*I#L,,PP.I  )[T^;3+"X2Y2:QMI5NL?: \2L)L# WY'S8 QS0!Y!;1+I_
MCO4+5(-!LWD\-W1FMM%SY>0R[=_ !;!./E!P?>K%IH.F:5X5^'.K65G%#J4U
MY8B6[1<2R"6([U9NI!]#P,"O4;;0M(LXTCM=*L8$165%BMT4*&QN  ' .!GU
MQ5@V-F88(3:P>5;E6A3RQMB*\*5';';'2@#FOB-=VEMX3,5Y;-<QW=U!;"+S
M_(1F9Q@2/@[8^/FXY''>N$M(X+#QYJ=H[:/I22>&[DW(T!6(A =<.0 -SJ"Q
M&%!Q]:]BNK6WOK9[:[MXKB"08>*5 ZL/0@\&J]GHNE:>(A9:99VPB#"/R8%3
M8&QN P.,X&?7 H \M\(QVNB>)?#4+6&@W!NX)(;/4]$D,3R((]Q-Q%_%D+U)
M.&/J:ZCXCVD%\NAPR7UA#/\ ;2UO;ZG"TEI=.(V^23' ."2N>XX!KJ+'0M(T
MRXDN+#2K&TGE_P!9+!;I&S_4@9-6+VPL]2MFMKZT@NK=OO13QAU/U!XH \3U
M&[*>%[S2K;3;#388O$%M'JH@NF?3V1TR<$ ;(RWEAE &,\]36BNE0IJ7B"T_
MXIY(9-!E>XTS2HG:)F!S'*P*[ PP0.YZ]LUZQ!I6G6M@;"WL+6&R((-O'"JQ
MD'J-H&*;I^CZ9I,+PZ;IUI9Q.<NEM L:L?<*!F@#%\ 0:</A[HD=E%:^0]C$
M95A5=K.4&_<!QDG.<\YZUYK'IFEV.A.IL[:TTN?QA-;:D\48C4VRR2;(W(Q^
M[#[!@\#->TV5A9Z;;^18VD%K#N+>7!&$7)ZG &,T?8+/[/-;_9(/(G9FEC\L
M;9"WWBPQ@D]\]: /)O$L&EZ?J7B>U\-QVT-D_A2[DU""S $*R 8B8A?E#D;_
M '(IVL^%?#&F:)X(GDTK3U6?4K87<\\2DRAH7+>8S=<D G/4@5ZC:Z)I5C92
MV5GIEE;VDP(D@AMU1'!&#E0,'(J2ZTVQOK,6=W96]Q:C'[F6)73CI\I&.* /
M+4\-:-JEE\2+^^TZWN;F.\N%AEE0,8MMO&P*$_=.3G(P>!Z5Z%X;FDN?!&D3
MS.SRR:;"[NQR68Q@DFM)+&TCCGC2U@5)R3,JQ@"0D8)8=^ !SV%2QQ1PPI#%
M&B1(H5450%51P !V% 'C'A+2;#69_A_;:C;1W5NOA^XD,,J[D8AXL;E/##G.
M#W /:NU^'5O%9+XFL+9!%:6NN3QP0KPL2E(VVJ.PRQ./>NLATZQMC"8+.WB,
M"&.(I$J^6AQE5P.!P.!Z5)#;06YE,,,<9E<R2%% WL<#<<=3P.?:@#R'Q#9:
M5;ZI\4G6VLX[TZ2CQ$(HD(:&0R$=^3C<>YQFM8:!I>@>(/ $^EV4-K/.\D-Q
M-&N'G4VSL?,;J_S ')SS7H-QI&FW=PUQ<Z?:33M$83+)"K,8SU7)&=I].E3-
M:6SM SV\3- <PDH"8SC'R^G!(X[4 >+6%C%?^&?"B"[TK[8EQJ;06&L0L]K=
M?Z0X8DC@.HZ=3R>*[WX;75M-X?O+>VTZ.P%G?S0/#!<&:#?PS&)N/DRW  &#
MD5T=QH>DW5B+&XTNRFLU8N+>2W1HPQ)).TC&<DG\35FUM;>RMDMK2WBMX(QA
M(HD"*H]@.!0!YOINFZY??$'QJVE>(/[+1;JV#I]B2?>?LZ<Y8\5'XA\.6OA^
MRTBVU&]FN[#4]<6;6[NY(43L8VV!P,!8]RH,=.!7IL=M;PS33101)+,0TKJ@
M#2$# +'OQQS2W%O!=V[V]S#'-#(-KQR*&5AZ$'@T >.>*H--L;OQA9^'4MXM
M./AF22^ALP!"EQNQ&<+PKE-WU !IWB.6Y@;QC):O*C#1M+$KQ9W+$7<2D8_V
M-U>KVVB:59V$EA:Z9906<F=]O%;JL;YZY4#!JPEG;)*\J6\*R2($=P@!91G
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MY/FTVYAL5E">Q)/7L>0> <8-4_A!I;O\0->UW1M(O-)\+3VXB@@N01YCY4Y
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M,=24##'?-<_/JFB^(_%OA$>%VBN)+&61[B2WCPMM;&)E,;\?+EBH"GG(Z<4
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *0 #.!UI:* "LN/0X(_$]
MQKOF.9I[2.T:,XVA4=F!]<Y<_E6I10 $ C!&11110!EW&AP7/B2RUMY7$UI;
MRVZQC&UA(5))[Y^0?G6I110   # &!2  = !2T4 )@9S@9]:,#.<#/K2T4 %
M( !T'6EHH **** "D(!&",CWI:* "BBB@ H  & ,"BB@ JM?6\UQ8306MV]G
M.ZD)<1HK&,^H# @_B*LT4 9F@:)!X?TE+&&669M[RS3S$%YI'8L[MCN23_*M
M.BB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **H:SJL>C:<]V]M=7)
M!"I!:Q&221CT  _F< =S6;X)U^[\3>&8]3OK6.UN'GGC:!#D)LE9 ">YPO)Z
M$T =#1110 45S/B+7]4TJ]\FQTFYNX_LPE,D5LTHW&9$(X(Y"LS[>X'48.:7
MCOQC?>&7LX=+LHKRX*2WEU&^3LM(@#(PP1\Q) &>.M '9T50N-;TRST9=7N;
MZ&'3VC607$C84JV-N/KD8]<U5L_%F@7^G76H6^JVQM;3_CXD=MGD]_G#8*_C
MUH V:*QM-\6:!J\-S-9:K;R):KOG+-L\M<9W,&P0N >>G%)I'BW0->N7M],U
M2"XF5/,\M20Q3^\ 0,K[C(H VJ*S5\0:2VDV^JK?1&PN&1(I\_*Y9MJ@?4G%
M4+_QUX7TRYDMKW6K6&:*3RY$9CF-N/O8'RCD<GB@#H:*Y>;QK81>.K?PSOCW
M361N!+N)R^Y0J  8Y4ELY[4MIXSTNUT+3KO6M8TU)[J RJUL6\N4 @$QAOF/
M++QUYH Z>BL>+Q5H,V@OKB:K:G3$)#W)?"J0<8.>0<X&.O-&D^*M#UVX:WTS
M4H;F=$\QXER'1<@9*D9'4=?6@#8HKDO%&N:Y9^)="T71!IRR:C'<N\E[&[A?
M*"$8"L.NXU%:>(/$.G>+]-T+Q!'I<RZG%,]O/IXD0HT8#,'5R>"#P0>M '94
M5AKXR\./J_\ 92ZQ:F]\WR?+W<>9_<W?=W?[.<TE]XS\.:;J1T^\U>VANE*J
MZL3B,MT#-T4G(ZD=: -VBN8M?&MA<>-]0\-EXT>SMTE\PL?G8[BXZ8&T*#G/
M>K&G^-O#6JZ@EA8ZQ;S7,@)C0$@2@<G82,-@<\$T ;]%<EX>^(&D:W8ZQ>R7
M,%M;Z;=21/(\F%\L'"R$D#&[!X_"M33_ !9H.J6MW<V>IPR1V:>9<=5:)<$[
MF4@$# /..<4 ;-%<VGQ \)/))&NOV68T,A)? (& =IZ,<D# R<\5=M?%.A7F
MBS:Q!JEL=/@)6:=GVK&1U#9P0>1P>>1ZT :]%8VG^+-!U2UN[FSU.&2*S3S+
MCJK1+@G<RD @8!YQSBHK#QIX;U34ETZRUBUGNW!*1HWW\#)VGHQ'<#D4 ;U%
M<'IWCRY\2PRGP_%;/);ZJ;697223_1AN_>\8P3MSS].2176:'/?W.@V-QJL4
M<-_) KSQHI55<C) !)(^AH T**PM/\9>'=5U%;"QU>VGN6W;$4G$FWKL)X;'
M^R36+X>^).CW]M''JVHV5KJ,EW-;B%20!MF=$!)R%+!0>2,YXH [>BL35_%_
MA_0;G[-J6J0P3[/,,?+,J_WF"@[1[G%4-1\5O#KVGVMC]FN+*[TNYOEF!+;C
M'LV;2#@J0Y_2@#JJ*R?"^J3:YX4TG5;A(TFO+2*=UC!VAF4$@9R<<U13Q_X3
M>X2!=?LM[@D$R87@$D%CP#@9P3F@#I**R-*\4Z'K<-U+IVIV\R6G-P<[?*&,
M@MG&!@$YZ<4S2?%V@:[=-;:9JD%S.J[]BD@LO3<N?O#W&10!M45SX\<>&3JB
MZ<-9M3=-+Y"KD[3)G&S=C;NSQC.<T:CXX\,Z1=2VU_K-M!/"^R6,DED. ?F
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M7$4'D,25):5$< C +*&)P#D8Y% ';453CU6QE-Z$NHV-BVVYP?\ 5':&P?\
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MWVF?:[;4W*J T>!D!\ 'YN".0*[K_A"Q_P!#)XC_ /!@?\*/^$+'_0R>(_\
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M^.[,EY:K%Y@$; RB-0-J$@'D#GGO6QXGL+F?Q!XW6WM97-SX5$:;$)\R3]^
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MUS#'$6+PB! SJH'SX8ACC/W3Z58U^YC\4:OJNJ:)#/+9V_AN]MI[KR'19I'
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M,,XXW5R7B)7URP\?:SI=K<'3KK3;>WB?R63[7,A;<ZJ0"0 RKG'...E>Q44
M-3_5K]!3J** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M 8>>24)R5Y'7KCBG_P#"2^+E\%S^+VU:V\FTO)(_L LUVS1+<&,[GSD-CIC
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M[_405R8T4;!'ST)E)'K^[-;UWI<%MK\GB<FXEF@TY[7[/$FXNN\2?*.I;*X
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M:L)XX9#P[9R#C@;<=,G.:W/[2U[Q+XDU2PTG5(])MM,A@RWV99GFEE3S.=W
M0 J..22>16FW@RT;PUK>A_:9_)U::XFEDP-R&9B6"\8XSQFH[SP=(=2DU#2=
M;O-*N;B"."Z,,<;B94&%;#J<. 2,C\J ,K^V=9M/$D\&H+I$-_!X;%U)*WRP
MK,)6&3(1N$?&<=N?K67I'C'4?^$GT"V&OMK%MJ4CPW'_ !*FMX8V$;.#%*5&
M[E<8);CFN@?X:Z,]K+:>;="VDTG^RBF\%MF\OOW8^_N)/I[4^/P1<2ZEI%_J
M7B*^OIM*EWVZF*.-,%"I!55&20>N>W&,G( GPQ_Y$F/_ *_;W_TIDK)_X2'Q
M M[XKU:;48ET?P]/,!9);*7N0L"OM,F?EP2,$#N<]J[+P]H</AW2%TZ"626,
M32R[I,9S)(SD<>A8BH;/PS96R:Y%(6N(=9G>:XCDQC#1K&5&.V%_6@#@])\:
MZVUUHMQ)>W>HF_GCCO+$:'-!';+)_''*5Y"$C.XG(R>*M+J_B^YT3Q%K\6KV
ML<6DWEXMO9FU4K/% [<2-U!(&T;<8QDYS6]I_@B:TET^*X\1ZG=Z=IKA[6S?
M8N"HP@=U4,X4= 3V&<U@Z'X'U#4+37K:^U74['3K_5[MY[!40">)I#@JQ7<J
MNN,X/(],F@"_::UK?C'6;V#1]331[*RMK:0L;99I)9)HQ* =W 55*CCDG/(K
M+B\6>)M=F\.Z;9WEKIUY=R7]M?SK;B55>V91OC5CWYX)XW=\5U5[X//]JR:C
MHNKW.C3SPI!<+!''(DJH,(=K@X90< CM2Z=X(T[2KC1);66<?V2EPJ;V#&9I
ML%W<]V)&>/6@#@KDZMHT_P 2[V;4XKV2VM8"R2V:;)7\A2I*\C '&.ASS73"
M\\2ZWXNU72-/UB'3;2RL[68.+197WR*_'S<;?E.>_3&*T-5\"0ZI>Z]+_:EU
M#!K=JL%W;JJ%=RJ%5U)&00HQC.*UM/T"#3M=U'58YI&EOH;>%T;&U1$& (^N
M\Y^E '&:3XLU[Q1;>&]/M;J#3[V^M)[N]NTA$FU8I!'B-6XRS'/.<"M[P?J6
MLW.J^(M-UFZANI--NHX8I8HA&&1HE<$CGD[LGWSCBL+5O#:>&K+P_#91ZTWV
M#[0J:IIT:S30[VW%'AVG>C9]."H]:T?ASI%Y8_V[J%VM\HU*^$L/]H "=T6-
M5WNHP%RP8A<# QP* ':G>^(K[XB-H6F:K#I]E#IT5[([6JS.S&5U*C)& 0!S
MVQQUKE/^%AZU>V%UK=E>7.])I/LNCIHLTL<T:.5"M.$/SL 3D' ) (X->FIH
M<*>*9M>$LGGRV:69CXVA5=G!]<Y8U@/X *I<6-GX@U*ST6YF::73X=@ +-N9
M4DQO12<D@'N<$9H BBU37_$OB#5K?2=0CTNVTM855);42-/+)&)#YF>54!E&
M%P<YYJIX6\6ZQJEQX1CO9(LZE87D]T%0#+QN@7'H!N/UK<O_  @9=6N-1TO6
M+W2I+R)(KQ;=483!!A6&\':X'&X=L>E<]X7\%W<W@OPM*UW>:-K.EPRHCB-6
M8+(WS*Z."#D!3[4 )J'B;4))+Z.3[/(MMXKM+"(20JVV)O*)Z_Q9<X;J*0>)
MO$,*^*M?N-0A_LK0;JYA33UMEW7&Q 5W29RN"R]!V.?;9MOA[:06LD+ZE>SO
M+J\.KR32E2S2Q[.#@ 8)3H!QG QQ6I:^%;""QUNRF+W%MK%S-/<))Q_K%"LH
MQVP/K0!Q>C^,-:_M/1C)>W>J"_F2*\M?[#FMTM=XX=)"HRJM@'<3D'/%5Y_$
MWC!/"U]XGCU2T\NSU1[2.Q:T&V:,7/E#>^=P//\ #C[O?-==I_@RXM;K3S>>
M(]2OK/3CNM;60(@! VJ9&509, \9_'-/?P19OX5NM -U/Y%Q>-=M)@;@QG\[
M XQC(Q]* ,#4?%&N>#M2U>'5;Z/5HH=%?4XL6X@*2+($V?*3E26')R1ZFJ^C
M^+M:75]'26^N]52^E$-Y =#FMDM=RDATD*#*AL [B20<UV.I^$[#5]7GOKTO
M(D^FOILD'16C=PQ.>N>*IZ=X.N;6\L'O?$>I:A:Z<<VMM*$0 XV@R,B@R$ \
M9^O- '(OXD\7+X,O?%IU>V\JQO)D%C]C7;/$EP8SN?.0V.F,=!G.36WH5M>C
MXN^*96U M +:S+0^2HW B7:,]1MP?KGFM5_!%F_@N\\,FZG^SW4DLC2X&\%Y
M3(<<8ZG'TJXGASR/%\WB""_GC^TP)#<VNU3'+LW;&R1N!&X]#S0!#K.KW=EX
MQ\,Z;"ZBVOVN1.I4$G9%N7![<US7B+Q?K=@/%XLI(/,TV]T^"S$D8*@3"+>&
M]<ES]*ZKQ%X;&N2Z?=0:A/I^H:?*TEM<PJK;=RE64JP(((-9(^'=LUEJL-QJ
MM[<S:G<V]U<7$NS<7A96&    =H&,<#I0!2N->USPGKMQ;ZOJ4>K6AT>YU)<
M6RP-&\)7*C:3E2&[Y(QUK(U6/Q+<6G@W5-4U:WN8;O5[*:2U2V$8@+9*A&!R
M0,X.[.>O'2N^O_#=GJ6NPZG<LS^793630$#8Z2E2V>_\./QK"B^'K*VE13^(
MM2N+#2;F.>RM9%CPFS[JLP7<^!P,G@?G0!S$_C_6+U=4U&QO[B%K6XFBL]-C
MT6:>.X6-BOSS*IPSD'[I 7(SGFM^WU?Q'K_C-[*ROTTO3X;"SOI(I+022DR%
M]T1SC;D#D]00,=ZNW'@-BU_;V'B#4=/TO4)FFN;* 1XW.<OY;E=R!NX![G&*
MVK'P];:?K]WJT,DF^YM8;4Q,<JJQ;MI!ZY^<]?2@#GOBS%<2^ Y?L]T8-MY:
MEOD#;@9T '/3!(/X8[UEV^GZ]<_$GQ!;V.NI9R)IUA]HNC:+(\K@2@84G:H/
MS$\>@&*[?Q)H4/B70;C2IYY8%F*,)8L;D9'#J1D$=5%0Z1X>&F:M>:I+?37=
MW>6UO!,\BJH8Q!L-A0 "=YSV]* .#/Q$U.[T?PS T_V*[U&*XDO+NVL7NB@A
M?R_DC4'EF[D$ ?A74^!]?U#5VU2TOO/G6RE06]]+8O:?:8W7/*.!\RD$'''0
M\9IL?P_M[73-*@L-3N[2^TMIFMKU C-B5BSHRD%64Y'&.P-;&@Z$VC+=2SZC
M=:A>7<@DGN+@@9(& %50%50!T _.@#EO&?B+5M)\0"&2_N='T;[*'CU"'3?M
M:-,68%9#@[  %[#.3SQ5+4_'-\UQH>F1ZK%"USIWVZZU'3+&2]5_FV!8E"G
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MGQ4D!2:U0KN,\2L_U(/'H1D5>O\ QQJEYJVN+9ZG<6"Z;<O:VUM%HLMVMPZ
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MO-J-A#+:&.V=DF"0A& 8#&X'C&<UTWARRFB^(/B*ZEMI$1[#3TCE9" V!+N
M/?'RY'TH V+OQ=H-EI=GJ4NHQM:WN/LK1*TK39&?D506;CK@<=ZGT7Q'I/B%
M)VTJ]2Y%NP27:K#8Q&<'('.#R.W0\UYGX9M;WP];>$M9OM,OI+.VM;VTFCBM
MGDDM6>?<K^6!NP54KD#C(]:Z3X?W:W_B3QG=I9S6B2ZA"1%-'L?_ %"?,5Z@
MG[V#SSSS0!U.M^(=)\.6\5QJUXEK%*YCC9E)W-M+8& ><*?KTZUGW'COPW;0
M6LLFH,1=1>?$B6TKR>7G&]D52RKGNP JKXSLY;O6/"!2V>:.'6!+(50L$ AE
MPQ]!G'/KBN:UJVNM(^(>LZC=ZGKNG6>H06YMKC3+-;A6,:E6C;]U(5;/S#H#
MN- ';WGB[0K&QL[R74%>&]&;7[.C3-,,9)54!) '7CCO6/K?Q&TG3K'1;VSF
M6ZMM2OA;&18Y#Y:C.\X"YW @#:<'GIP:Y)=(ATS0/#TL\/B;2F1KJ2+4(E66
M:T,K[MDT4<9&U^N-ORD8.*D>?6&\,:5J.I6=Q/%9>)EN//ATYHII[8*P\]X5
M&02S'/&2,''- '=:GXY\.:1=2VUYJ!66$!IO+@DD$((R/,95(3CGYB.*KMXV
ML_\ A.[/PZF'CN+$W*SHCL&8LNP @8VE23NSCH.._%:Q>:G>2>*+-GU6PEFD
ME6TT[3-)&+Y#& LLDQC;.[HWS+@#%6=-@N[:_P#"WF6UY ;KPG_9J3"W<B&X
M/E$*^!\F,'DXZ4 =K;^./#=UJ::?#J:-,\IAC;RW$3R#JBR$;&;CH#FH[[Q_
MX7TZ[GM;K5426WE\J<")V$+<??(4A1R.3@>_!KS33-,FE\-Z1X:NKCQ4U_!+
M!'+IBVD4<,#1N"9!-Y.-@*[@0Y)Z<DFNBN-+NCX4^)RBQF,UW<W)@7RCNF'V
M>,+M&/F&<XQWS0!V6F^,-!U?5&TVQU!9;H(9%78RB10<%D8@*X![J345OXX\
M-W6III\.IHTSRF&-O+<122#JBR$;&;CH"36!JVE7<^L^#8[6"2+R].O(3*J$
M+ S0(J[B/N\CCZ5Q^F:9-+X;T?PU=7'BIK^"6".73%M(HX8&C<$R";R<; 5W
M AR3TY)- 'I=_P"/_"^FW-Q;W6J*DMM)Y<ZK#(_DGC[Y52%'(Y.!UYX-1OXU
MM5\>VOAM1N2>Q-P)E1VRY9=J@@8VE23NSCH.*QK+3K@:1\1@UG*)+N[N?*!B
M.9E-L@&WCYAG(&.^:KZ(L^F>*?",UW9W:QS>&DL=XMW8)-NC;:Y ^3@'[V.E
M '=:[JL>AZ%?:I*I9+6%I-H!.X@<#@$\G'..*Q+#Q[H\GA;2=8U"Y\A[^)=L
M*0R,[2;075$"EF )Z@$8[UMZ]!)<^'=3MX4+RRVDJ(HZLQ0@"O-M$O#IUSX4
MUZ[L-1.GVVA_V5.?L4I>TN%\LDM'MW;3M*[@"./>@#TO2-9T[7;'[9IETEQ!
MN*$J""K#JK X*D>A -)J^M:=H-F+O4[I;>%G$:Y!9G<]%50"6)] ":YWP5%/
M<:UXFUS[)/:6.IW436L<\9C=PD2HTA0\KN(XR 2!FD\91S6GB#PSKK6L]SI^
MG3SBZ6"(RO'YD>U9-B@DA3UP"0&S0!J1^,_#TFCSZJ-3C2TMY/*F:161XWXP
MA1@&#'(P,9.>*+7QGH%Y87]Y%J $6GH9+M98GCDA7&=S(RAL8!QQSBN.UFY?
M6+RT\0V7ARY_LW3]7AGFE%LRSWJ")T,OE%0Y$99<9R2 <#BJOB03>*+GQ)J^
MDV%Z;)/#-Q8B22UDB:ZF9MRJB, S;0#SCJV!0!V!^(WA(6S7!UA/)$IA#^3)
MAW"EL*=OS< XQG/09-377COPW9QVSS:@W^D0"Y14MY7<1'H[*JDHONP%9&J:
M;(VH_#Y$LW,-I.3(!&2L(%LX7=_=YP.>^*Q-4M[K1O'_ (@OKS4]?T^VU%8)
M+6;3+);A)=D80QM^Z<JP() X!#4 =[?^*M$TW3[2^N-0C-O>8^S&$&5I\C/R
M*@);CG@5A:O\2=(LDT2:RF%U;ZA>FVD=8I"8@JL6RH7(8$*-IP><XXKF]'T^
M3PI-X5U:[T_5!ID-E=P.LL?GS6;RRB16=8EX! *\+\N0#5K6;\W,>D:]%X=N
MK.P@\0B>1HK5S-/'Y+I]H>)5WC+$#D$X /<4 >GUS<OCWPS!?FSDU,!UF^SM
M((9#"LF<;#*%V YXP372 Y&17@^M2ZQJG@B_LY!K$6H^<S-H-AI BMH )MQ)
M?R\N,#=D/\Q/2@#U?5/'/AS1KVXL[[4=ES;X,T20R2-&"H;<0JG"X(YZ5MVM
MU!?6D-W:S)-;S()(Y$.5=2,@@URNAV4B^._&ES);.L=Q]C$<C1D"0"'! /?!
M-3_#:WGM/AQH-O=0R0SQVBJ\<JE64\\$'D4 :.L^*=&T&:*#4+LI/*I=(8HG
MED*CJVU 2%]\8J"\\:^'+#3;/4;C581:7H)MI4#.)<=0-H)SVQUSQUKC_$-K
M=:7\1;W5;K4=:T^PO;&&."ZTVT6X 9"VZ-P8I"N=P88 !R>IJOH>AS0ZGX-F
M%CJ@@;4M0NW^WHOF1[XGVLX156/<W(7 P6Q0!VB>//#4FH6M@FIAKNY\ORH1
M#)N(D4,A(V_*"&7DX'-+!XZ\-76I)80ZHC322F&-_+<122#^!9"-C-[ YK+T
M_3+F7QCX[=8G@:\AM8H+AD(#$0$94]\$]JY9Y9;_ .&NF>";?1]0AUZ(6MO)
M&UHZQV[1.A>8RXV;?E+ @DG(H ]#3QCH$FO_ -AQZ@'U+S&B,"QN2K!=Q!.,
M#CN3@X..AJ?Q+J+Z3X=O+Z.[MK1X4!$]RC/&G(&6"\GKVK'\&6<MMJ_BZ::W
M>(SZPS([H5\Q!#& 03U&=W/UIWQ+MI[SX=:S;VL$D\SQ*$CB0LS?.O0#DT 6
MM4\<^'-&O9[.^U'9<VX!FB2&21D! ;<0JG"X(YZ"MNTN[>^M(;NUF2:WF021
MR(<JZD9!!KEM"LI$\?\ C*YEMG6.X%FL<C(0L@$)! /?!/-2_#6WGM/AOH-O
M=0R0SQVH5XY5*LIR>"#R* +VJ^+]#T2_%A?7I2\,8E%O'#)+(R$L-P5%)(^5
MLXZ8YIEUXV\.66E6>ISZK"+*\W?9Y5#,)" 20, G/!&.N>.O%<UJ.M6>A_&"
MYGO;:Y>-]"A43V]L\QC_ '\IP0@) ;UQC('M67I.C7_]J>&KRXTVXA@N-?O]
M06"2(YMHI(I#'O'\!)P<'H6QUH [6Z\=^&[..V>;4#_I$ N45+>5V$1Z.RJI
M*+[L!6G;:[I=Y>PV=M>QRSS6HO(@F2'A)QO5NA&2.A[BO.=3M[K1?'OB&\O=
M3U_3[;41!+:S:99+<),$C"&,_NG*L"#@< ALTDFE7_ACP1X<UW2]+U&2^TEI
M=UC-MDN'@G+;D8( ,AC&V /E"X[4 =O)XDMKC6;"TL=1M=K7LUI<1O$Y:22.
M,L41N@*G!)/& 1UIO_"=>&O[3_L_^U$\[SOL^_RW\KS>FSS<;-V>,9SGBN8B
M\-W>DS> ;39+)/#/<RWUPBE@)I+>0N[$=,NQQGV%8F9_^%4?\('_ &/?_P#"
M0;/LGE?9)/*W^9GS_-QLV_Q[LYS[T >KQ:O8SW%_!'<!I=/(6Z7!_=DJ'&>.
M?E(/%9ESXW\/6MK97#WY=+V'[1;B&"25WBX^?:JE@O/4@5RK7TGA[Q+XPM[J
MPU&>;4Q#)8&"T>1;DBW6,C<H*J0R\[B,#GI6+;VG]G:-X5GN6U[0[Z+1(H1J
M-E;-.N1R8)H=C<@_,,@=2,\4 =O>^,84UCPZ;*X@GTC4;>[N)9U4N=L2*P*X
M^IR,$\8K;;7]+73["_-XAM;]XDM9 "?-:3[@  SS^G>N#T.'6;O5? ]SJ>G&
M%XDU(2E+7R5"-M$;.@XC9QSM/<FH?"FEW7_":_\ ".SQG^S/"DLT]LQY#^?S
M /\ @"-*/RH ]0G<QV\KAE4JA.YAD#CJ:YJ#QKI5GHFE3ZGJ<4]S>VPG4V5M
M*XE7 RZH 65.>IKH;]2VGW*J"6,3  =^#7D=K:?V=H?A2>Z;7M#O8M%CA&I6
M5LTR@@@F":'8Q_VAD#N,T >CW/C+P_;:=97[:BLD%\";7R(WF:8#KM1 6.._
M''>IK;Q3HEY;V$]OJ$<D=_,8+8A6^>0 DJ1C*D!6R#CI7G+B[ET7P]?:W;ZM
MI-W$;I8M4TJT*F)2XV^=;A6P)  Q&.".V:5)M9&E:)K.IV5Q/;Z?X@DE:XAT
M\Q336S1.HN'@49!+-SQG&#B@#TQ]<TR*YO[>2\CCDL(EFNM_RB)&!(8D\8^5
MORJGH_B_0M=NS:Z??;Y_+\U8Y(7B+I_>7>HW+[C(KSG6[/4?%H\=3:9I]^D5
MU::<;4S0&)KE8I'9P@<=2 0 1SD<8(S<L[4^(/$>FO;:EXHO9K6"X;S[^T2U
MBLV>(IM;]RA9B3]U2<;<]J -O7_B3I=O%#%HU]#<7CW\%K\\3^6X:54D"/@*
MS $]"<8]J[IF"J6/0#)KQV2Z9O /AWPN-#U(:MIUW8I<Q_8I-D'ERINE\S&T
MJV"003PQ/8U['0!YEI'CR^UG4M0N4U:QM;"'5$L8;:;3Y@S*954-YF?OM\P"
MX^4D$UT][\0?"VG7,]O=:JJ2V\ABG"PR,(6']\A2%'/4X'OQ7'2Z;?G1;Q!9
M7.X^-EN OE-DQ?:4._I]W'.>E:5KIMP/#'Q'1K*42W=Y>F)3$=TRFW4+MX^8
M$Y Q0!U>J^+-$T66&*]O#YTT?FQQ00O.[)_?VQACM]^E12^-O#<.F66I/JT(
ML[XL+:4!B)"N<J !G=P1CKGCKQ7#&[U&SO\ 3;:YDU#1K<:+:JEU8:3]HN+I
M\'=$7,;[-IQA2.K$U5\*Z7?J?!ZW6G7R&VUO4I)A<Q'=&&64JSD#')(Y'!/2
M@#T>Q\7:#J.EW>I0:C&+6S)%R\RM$82!GYU< KQZBL^;QSH][H^J2Z7JL,5S
M:6K7&;RWE0(F.)"A 9DSW6N5\2Z+J5YJ?C5[:PGG0SZ5<B((?]*2+#2(N>&.
M%Z>N!5KQ7K$7BG0=<CTC0+NX9=&N$-_-9O%(CL!B!%= S$XR0.!M'4F@#K-0
M\8Z)H[0P:A?9N7A$QCM[>25@A_C*HI*KG/)JM-XJ%QXA\+P:9-;W&FZO'<R-
M,H))$:*5VG/').<C\JY:]O=0M_$MS;3S:EI%O]CMA;R:7I0FFOSL.X-*8WVE
M2=H4XQG.:J>"]-U"!?A\+BPNX6M1JBW EB(,19CMWG&!GMZ]J /6)YX;6WEN
M+B5(H8D+R2.<*J@9))[ "L&Q\<^'=1:5;:^=GC@:YV/;2HSQ+U9 R@N/]W-7
M_$4"W7AK4[=[%[]);61&M$?8TP*D% >Q/0&N \*3WX\4:5;:?=ZMJ>EK!*+@
M:QIQCET_Y1M59BBEB6 4KSP,T =!X?\ B)I6I>#K77M1E6S,TAA,0CD8F3)(
M1!MRYVX/R@]_2FZY\1M)L_!NJZYI<HNY;'Y#!)%)&RRD?*'4J&4=\D >]<9I
M=]J-AX/\*V(M;S3S8SSP7]^VE-/-9, 2OEJRGA]V-X!':H9M-U._T;XD"*'6
M;PWEE:FUFOK7RY;H*K@E5"+Z<+@'&..: /3KSQIH-A!:2W%ZX-VADAB6WE>5
ME'5O+52P ]2!3[CQEX>M=-LM1EU6 6EZ2+:5<L)2 20,#KP1CKGCKQ7!ZG)(
M?&K>(VO]?T[2]1TZ*."ZLM/\QD9&?='(C1.R9R&' !YZ\4:1HDT<_A*9;+5#
M#)KEW>R?;T7S$#128=U15$89L$*1P6H ZUOB5X16V,YU8!58K(OV>7?$1C)D
M7;N0<CE@!6EJOBO1-&-NMY>C?<IYD,<,;S.Z?W@J G;SUQBN5;3;C[1\36%G
M+_I<:B$^4?WW^AJ,+Q\WS9''?-<]'87VCZQI^I7]]KFF6EQH-G;I<:?9B<QR
M1J=T4BF)V7J". "<YY% 'I%QXR\/6NFV6HS:K +2])%M*,L)" 20,#KP1CKG
MCKQ61K7Q&TFT\':IKFERB[DLOW9@>*1&64] ZE0RCOD@#WKFM(T2:.X\)3+9
M:H89-;N[V3[>B^8@:*3#NJ*HC#-@A2."U2>*M)O[H_$I;>QN)#=6%GY&R(GS
MBJ/N"_WB..![4 =A=>._#MDD+7%\X,L(GVK:RLR1Y(W.H4E!D'EL=*W[:Y@O
M+6*ZMI4F@F021R(<JZD9!!],5Y?K=Y;3ZV=8M+CQ%HDUU91B*[@T][B*\"EA
MY<D!C)#J2<9VY#5W?A%]0D\):6VJV<=G?&!?-MXTV*A[#;_#QCCMTH Q]0\=
M1VWBO5- BC_?6FF&Z1VB<AI<.=IXP%"J#G/.<9R*7PM\0M&UNQT>&:_B&JWM
MM&S(L3K&TQ0,Z(Y&TD'/RAB1BL[7A-!X_P!5W6EVR:AX=^SV\L=N[HTB-,Q4
ML 0IP1UQG(]:@?3;E? OPZ@2RF$MM>:<\T8B.Z+$9WEACY<$G.?6@#IK[Q[X
M9TV]FM;K4PCP2".9UAD:*)_[KR!2BGD=2,5%%XRMY?B%-X6"',=FDPD\M_FD
M)8E<XV@!5!SG!)QU&*\X\03:OJ/A[Q-82?VM;7TDER(]%TW20L3KDXD>;RSO
MW#YB0P))P!G%=EIKR6GQ*M9)[6[6*^T&WAAF%NY3S$>1F5F PIP1]['6@#JO
M$=^^E^';^^2ZM[5H(2XGN49XTQW8+R1]*I:EXUT#1KDVNH:ALF2-9)1'!)((
ME/1G*J0@/^T15?XC6\]W\.=?M[:&2::2S=4CC4LS'T ')KD?$JFQU_4[BVFU
MW2;^>VBVF"Q-[:ZEB/ 5H]C ,/N$$KQ@T >IQ2QS1)+$ZO&ZAE=3D,#R"#Z4
M^LWP^UZ_AS36U&UCM;TVT?GP1#"QOM&5 [ 'C%:5 !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 45QOB>ZUF;QKH6B:;JKZ?;7MK=27+QPH[_(8]I4N" ?F(Z$8)XSC'
M)S:OXLM_"7B#66\2R-)X?OYK:*,6L06Z2-QDS?+G)#8^7;C&>M 'KU9>F:=I
MV@"2TMY=C7MU-<A))!N>1R7?:.X&2<=A7'^(]:O)/$5[96WB#4X6@BC,5GHN
MG"X>-F7.Z=FC91GC"Y7CD]:Q["\U/Q-K?PVUBXU.:">YL[EY4ACCVEE5=QY4
MD;Q@'G@#Y<'F@#URBO&H?&?B;5-*FU^P?77NC-(UKIL&D>99O&KE0C2;"Q8@
M<L&&">G%=38W6OZYX_U:W769K#3-,^QRBT6WC+2&2/<R.S#('!Z<Y/48H [.
MPO[35+&*]L9TGMIANCE0Y##VHO+^TT]86NYTA6:9((RYQND8X51[DUYC8^)[
M^Z\(>%6N=>GLYKVWDDG33; 37=P0V!L18V5%'<[?0>M5!K>H:OHMO#J,UQ.]
MAXPL[:*6Z@6&9H]T;+YBJ  PW$=!VXH ]?FFBMH'GGE2**-2SN[!54#J23T%
M.!#*&4@@C(([UR'Q3BDE^&6O^7</#MM'9B@4[P!RIR#P?;GWJA"^MZEXA7PU
M#X@NK6#3].BN9[M(8?/N'D9@HY0HJJ$[+DT =_5.[U6PL8+N:YO(8H[1!)<$
MN/W2GD%AV'!K%\%:M?ZE9:E:ZG*D]WI>H2V+W*($$X4*RN5' )##('&0:\^\
M0V=S&_Q7F?4KB6,6D6862,*=T(*\A0?E'RCGD=<GF@#V96#J&4Y4C(/K2UY]
M!<:[X>\1>&H;W7)=1MM5CF2XMWMXT6)DA,@,6T!@/E(PQ;.?6N:L?&GB>_T6
M#Q%:?V]<W<T@E72XM(W6;0E_N"0)N+;>=^[KVQ0![-16-XMOKG3/!FMZA9R>
M5=6UA/-"^T':ZQD@X/!Y'>N76\\0Z#)X8U"_UQ]1CU>YCM+NU>"-8XVD1F5H
MBJA@%*X(8MD'/% 'H-%>21^)?$]EX&U#Q=<:P]T_GRV5K8BU3RU)N?*1VVC<
MS#G@$9X'7DZ.D:IXB.O6NGQ77B&ZM+V"5)[K4M($'V.4(2DB$(J[21C:V>W-
M '8ZWX;M=<GM+E[F\L[RTW"&ZLY?+D4-C<O0@@X'!!Z4SPK8:19:7*VCW#W4
M<]Q(\]U)*9'FF!VL68]2"N/08KE],\5ZMJ\'A?2TG$6L27$JZN513L2V.V;@
MC"[WV 8'1^*H:/X@US6TT31H=2^Q2WL^HRW%Y%!'Y@B@G**B KM!.X9)!.!G
MJ: /4Z*\OU+Q+K^AQ:[I+ZF;JXTZZTXP7SPH)'AN)@K(X V[@ PR ."#P:Z+
M6]7UB#QI%IFFNC^9HMU<QV[A=KW"O&(R6Z@?,1UQS0!UU5K"_M-4L8KVQG2>
MVE&8Y4.0PSCBO//"7B#4'\06-CJVM:I%>SPO]HTW5].2'S) N<V\B*%(&#QN
M;(JIX(U:\T;0/ S2W &C7\$UG*C*H$<^YGC?=C/(5UQG'2@#U>JUM?VEY-<Q
M6TZ2R6LGE3JIYC? ;!]\$'\:Q?!>I7VMZ++J]Y*6AO;F26RC*!?+ML[8QP.<
M@;LG/WJY>^UKQ*\?B1=+^T2_9-<C@<V=O&UQ%:^2C.8U88=\G^+)P3Z"@#TN
MBO,K3Q!K5WX8UQ-"U:[U34+66'9#=6*PWUM&Q&\,C*J.V Q7C!QCFJA\77UK
MX:\4/:>(;^6]LM/^T0VVJZ>L%Y;.,@L1L573IV.#WH ]8HKE-7UJ]L_$?A&V
MCG*V]\;C[4@13Y@2W9QVR,, >,5PEEXT\3ZAHL/B*T_MZXNYI!*FEQ:1NLVA
MW_<$@3<6V\[]W7MB@#V221(HVDD8*B LQ/8"HK.\M]0LH+RTF6:VG0212(<A
MU(R"*X.:;7O%$OBB6TUN33K;3)GLK>U2"-EE98E9FE+ L02^ %*X ]:W? "E
MOAKX=57*$Z9  PQD?NQSS0!:_P"$Q\/?VK)I@U:W-Y%,L#Q DXD8A0F<8W9(
M&,UN5XWH<FIZ)I;2QZM-/]I\9?9)%F@A((-R5=N$!#-W]/X<5HW.H>*;O1_&
M.M1>));4:'>7:VEM':Q%'2%=^V0E22"/EX(QUR: /4Z*\ZUGQ#<W>H6<*:Y?
MVGF:?%<?8M%L/M-QO?G=(3&ZHG0 <9YYK-TWQ/XEUO2?!T,>J&TNM2N[VVN[
MC[-'N98?,PVT@A7PG;C)Z$<4 >KU7OKZUTVQFO;V=(+:%2\DKG 51W->;W/B
M77]#77]%_M+[==P7]C:6-]<PH&07..7"@*VWDC@9XS5WQ,OB3POX8UZ[_P"$
MC_M"%-.>6+[7!%YT<X(Y4*@5D(/1@<'% 'H2D,H8'((R#5>2_M(;^"QDG1;J
MX1WBB)^9U7&XCZ;A^=<%KVM7DNO7%C!XAU.)X;>(QV>BZ:+B1'9<[IV:-E7/
M&%RO'-4_#NLW7B#7?A_JM\5-U<:5?-*57 + Q G';.,T >I5'/<0VT7F3RQQ
M1Y"[G8*,DX R?4D"N8\=7>MVEC8OI*7WV8W&+Z33H4EN4BVG!C1P0?FVYX)
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MU_>K)$S.,8P,D9XQ[5@:3J6H(_\ 8>F79LIM6\3ZDDEV$5VBCC+.VT,"-QP
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MOX;B&X5F@ECE56*,48, P."#CN#VJK+K6FPO?K+>PH=/C66[W-CR5()!;T!
M)_"N2^%5K<6_AZ_:;4)[H-J=VH65$ 4K.X+#:HY8\G/'I@<5@>/[N_OM.^(=
MC]M>&VL;2TD1(XH\L&1]RL2I)!('?(QP1S0!Z;I.KV&N:>E_IMRMQ:N2%D4$
M XX/45=JIIEM+::9!!/>2WDB+@SRJBL_U" +[< =*MT %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% &;<:);7.OV.LN\HN;*&6&-01L*R;=V1C.?D&.?6LZ;P7IL^A:UH
M[2W0M]7N);FX8.NY6D()VG;@#@8R#4&N^+FT?QGH.ABUGDCU 2M+(EK))MP
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 <?XI2Y@\:^$]3CL;NYM8&NH9FMHC(8C*BA2P'(7(.3VKG9=#U(_!C7M
M.73[C[=/<W;I (SO<-<LRD#J<K@CVKU*B@#RO4M+O-)\:Z]>W/\ PDXMM1,,
MUM+HB^8'*QA#&X"DJP*\$X&#UKM/!&F-H_@[3K)[2:S9%9S;S3B9XRSLV"X
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MI.['RG&.<UZI10!Y!+_:@^'^D>$O^$:U/^T;"YLXYY%MB8%6*9"95DZ,"!G
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M$DF% 0L0#MYP3UR:G\3Z%JE])\1EMK&9_MVF6B6I"\3,JR[@I[D9'YBO3:*
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M"ZA*S1N<;5V#.2VX8QG.:Y3POI.KX\ I=:/=VIT5+FVNS,%PI\@*&4@G*DG
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M&6+[?%:E[>&Y"G:K,>,ABH/! )YK3\!Z5)I>BW+36%Q8R7EY)<F*YNC<3$'
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MS,P)1(R[87"@ECCG&,]:3QC8S#QWI&JR>&KC7+"&QGADCABCDVNSH5.)& Z
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M1\HVMDC.,5E/X:UJ;P[:6K:5J:S:)K<]VZ03B%KJ&5Y3N@D5@=P#@X)7N.]
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M5,@LK@FWC*EAYF!\A(4X4\GTYK&UH7=_9MI-[JM]<+I/BFSM(+H3;7>.1HF
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M_<P5Y XP>E<C?ZYJ,6DP^(-.O_$UVWVV(_VC*R06$L;SA-JP%\E2#@87/?-
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M>.OK0!ZI16=H%Y+J/AS2[Z<@S7-I%-(0,#<R G]36C0 4444 %%%% !1110
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MQ?/\XR^5Y>W.-V[WZ<UI:]KEKX>TW[;=)-(&E2&*&%0SRR.P554$@9)/<@4
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M2]NI)V$!ZQJ6)VJ>^.M/TWP=I&EM:-$D\K6MM):1&YG>7$3D%D.XG(^4 9Z
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MJ>J&ASRW7A_3;B9R\LMK$[L?XF* DU?H **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** .5
MUS2-1N_&FD:C:6\3P6^GWL+O,1L$DGE[ RYR0=ISCTKEO#OAS5[+7M)DTW0[
M[P_''(6U2/[>LEC,NTY$46]CDM@@X7 KTBXU*SM=0L[":8+=7F_R(\'+[!EO
MR!'7UJW0!S7BK2KS4M0\-2VD/F)9:JMQ.=P&R,12+GD\\L.!SS6!XF\'ZKK>
MJ^*&MT2-+RQLA:2R.-KRPRO(5('('W1G'>O1** .'>+7/%'B+09[S0IM(M-*
MF>ZF>XGB=I9/+9%2/8QROS$ECCITJY\/K'4M(T"32=2T][9[6YG,<OF(ZSJ\
MKN&7:21PPX(!KK** .'MO"M[=:-XYTVY46W]LWMPUM*6#91X(T#'!Z;@>#SQ
M6#H_A.Z:ZT2WG\(W-O-93Q2W5Y=ZM)+;@Q\AH4$Q)8D C<H [@UZM10!X]XC
MAUWPQ\,?$7AXZ*]Q:HMR\6I">,1>1([.2RD[]XW$8"D$@'.*Z8PZYHGC&_U2
MQT.75+75+&VC1H9XX_)DBWC#[R#M(?.1GITKL[ZQM=2L9K*]@2>VF4I)$XR&
M4]C4Z@*H4#  P!0!YGX=\)ZY8P>"UN[-5?38M06\*R*0C2_<QSSGVZ=\43>"
MM4N?A-X=TE[4'4M*>WN7LS<>7YI3.Z,2*?E)#'# ]<5Z;10!Y4/ \FNKJD<?
MA^XT:.73);2*XU'4'N)S*^. HE=1'P,D\GC%:4J^)]:U#PK'<^&GLH],O5FO
M9WN8F4D1.F8PK$E<MW /(XZX]#HH R]&U=]5?4D>T-N;*]>U!\P.)0H4AP1T
MSNZ=000>:YKR==\,^(M?N+#0I=6M]6E2Y@>&>-/*E$:H4DWL"%^4$%<]3Q7<
M!0HPH &<\#O6-K?BK2?#U[IMIJ,S1RZC+Y4&%)&<J,L?X1EE&3W(H YJTMO$
MWASQ!=ZO/I/]L/JMI;"Z&GR)&8;B)2I $C#,9W=<Y&#QS5;1O"6LV>K>'+^[
MMXQ)_:>H:C?K'("ML9XWVJ"<%L$@9 ZY[<UZ110!YQK?A+6+_4O%%W;0)OEN
M].O+ 22 +.UN%+(<<KD@C)'IVJ;Q'_PE?BOP[K5A%H#:?;2Z=)$D-U+$9I[A
ML8"E7*J@&>6/)(Z5Z#10!P@M]>T#Q?JE]9Z')J4&J6EJB/%<1H(98E92)-Q!
MVG<#E0?I61H'ASQ!X7L_#&I_V6U[<V5C/87UE#-&)%5Y0ZNA9@IY49&1P:]2
MHH \GO?"'B#7=.UJ[N]*%O=2:Y!J=O9?:PIFCCB1"AD0_(Q ;G/##KCFKFG>
M&;F6^OKVT\*?8=NG2P0C6K][EII'QE"HE=1$0,$GD\5WTNKV45_-8&4M>0VW
MVIX44EO+R0#^)4@#KQ4]E=)?6-O=QI*B3QK(J2H4=01G#*>0?:@#SOPKH&J6
M'B:PET[1]3T'2XXI!J%I<WZSV\C%<*(4#N1AN=WR\#&*[?P]JSZYHL6H26AM
M'=Y$,)D$FTI(R9W#@@[<@CUK4I%4*H50 HX  Z4 >:IIOB72/#&K>$;706O!
M<O<K::B+B-81'.S-NE!;>&7><@*<XXK:\+^&[S0_%%\\B;K(:58V<,Y8?O&B
M$@;C.1U7KZUTNK:G;:+I%WJ=X6%M:Q--*57)V@9.!WKFG^).DP6ZW5YINNV=
MF0"UU<:9*L2 ]"S8X'O0!<\5Z5>:G?>&I+2'S$LM72YG.X#9&(I%W<GGEEX'
M/-<WX@\*S1^-M0UE]$O]8L]0@A4+8:@;:2"2,%<,/,0,K CG)((/'->CHZR(
MKHP9&&58'((]:=0!Y:_AO7K#2-#@CTNZBTXS7$VIZ=H^HLDVYSF/,KR!GQSN
MPXR3GD5!8^$M6@L_%"OX5@EM+^XM98M.N[SS6EB5<./,WDB48W DX!/!/6O3
MM0U*STN&*6]F$22S1P(2"=TCL%5>/4D5;H \F7P;KNHZ3KMA9PZAINES00M9
M6.K7@N&%Q'*),@AGV1D*JXW'KG%= \6N>*/$6@SWFA3:1::5,UU.]Q/$[2R>
M6R*D>QCE?F)+''3I773ZE9V^HVFGRS!;N[5VACP<N$ +'\,C\ZMT >;1^%M9
M7X/6&A&S_P")E%<0N\/F)P%NA(3NSC[H)Z_K536_#_B#4[WQ!!?Z5J>I27$D
M@TR5-3$-C#"4 3?&'!W YSE&S7JE% 'F>F:=XC\/ZCX?OQX?FO(;;PY#IUW%
M#/$)8Y5()"[F ;&.>>_4XQ3K3PKK9FTS4+BT6.XG\2/JUU LJM]EB,+Q@$YP
MQ&$SMSR3VKTJB@#S*VT29_BW<Z<C(VC6T@UYXP<[+J13$JGTY5Y/K77>,K"?
M4O#DMM#I-KJH:1#+97#;?-C# L$;("OW4DXR*DL+3P_X<U!=-L8(+2[U)I+C
MRT4[IBN-S$^VX=?7BMN@#R*7PIXAN?#GB:QT^QU.UTRZL4BLM-U*^2:3S]V6
M*'>P1-N!@MR>:[+Q#H5WJGB;PY/'$3:6R7:7,@8 QB2'8O!.3SZ5U=% 'EKZ
M-XFN_ =OX#ET,Q;%BM)=5\^,V_D(P_>*-V\L57[I48)ZU;N]/\1Z=/XOTZRT
M)[V/6Y7FM;Q;B-(XR\*QD2!B&&"N> <Y[5Z/6.?$ED7N%BCN9EM[Q+)WAB+C
MS6QD<=EW#<>@Y]#0!PTG@;5M1M4L9HA;I)X0CTMI2ZD)<A@=I .2!CDCCWJ_
M*OB?7-5\+"Y\-/8Q:9>":]F>YB921"Z9C"L25RW< \CCKCJKCQ)96MM<W-Q'
M<Q06UVMI+))"5522H#\]4RP&X<=?0UL4 <WXPTJ\U4:$+.'S?LNL6UU-\P&V
M-"=S<GG&1P.:R?$FB^(YO$FLZEH86*:70%M;2X9U'[\2NVW!Y!VD8)&,FNN?
M5+./5!IC3#[8;=KD18.?+5@I;TZD"FZ-JUKKNCVNJV1<VMU&)(RZ[3@^HH \
MWL?#.I/XK\-:I#H&JV\=E.YO;C5-4%Q,VZ)URH\QAM!/.,$Y&%QFM73_  CJ
M5O\ $)WEC7_A'+:XFU.S^<$FZF559=O8*?-8''63VKT&B@#QY_!%[I\6JZ9_
MPC%WJDMQ<S26MXNK/%:LDC%OWR"52-NX@A5.['O7HVHZ"+WP3<^'HV2 3:>U
MFK+DJF8]@QDDX'N2:VZH:3K%IK4$\UF7*07,MJ^Y<?/&Q5OPR* .5LW\4ZCI
MUCH,^A_V;$D!@U"\EFCDC9!&5Q %;<23@Y8# '<UD/I/B;4/!-CX'GT(V_DB
M"WGU/[1&8/)B93O0!MY9@@^4J,$]:]'U"_M=*T^XO[V80VMO&9)9""0J@9)X
MJ='62-74Y5@"#[4 <;9:#J46G^.(GML/J=U/):#>O[Q6MT0'KQ\P(YQ6;I.E
M:[X4O-/U&/1IM12;1+2QNK>WFB$L$T(/]]@K*=Q!P>H[UZ-10!P2:-XCU37]
M,U'5[:WA8Z9?03>2X*P&5T\M#SEB%') QD'VK'MM+\53Z%X1T&7PZ]N-$OK-
MKJZ>ZB*2)"<;HP&R<CYCD#'3DUZK10!YA>:5XETSPSXE\+V.@O?KJ#W;VEZM
MQ$L>R?<Q$@9@P<%B!@$'CD<U%>>#[JRU]M3N-"O]6M[NPMHF2PU V\EO-$FT
M@CS$#*1CG)P0>.:]4HH \SLO#&K:"OA_6K30XS/:-=_:],MKHNX2<@[EDE;#
M.-B[N0#DXJW8W6M:%_PF7BK4M#,(F,,]O:&YCWND<04@L"0&XZ<^@S7H-(RA
MAA@"/0B@"O>1/=Z;/"HVO+"RC/8D8KS_ ,-Z'KJ2>!3?:1):?V);7%I=%YHW
M_P"62(KC:QR&(/N,<XKOM.U*SU:S%W8S":W+O&' (!9&*-U]&4C\*MT >;ZQ
MH7B=+GQ3<:7%.BWVI6DH^SW"1S3VR1(LHC8GY&X(!..E0:+X7U!/&DFI0Z)>
M6&GS://9[[^_^T3F5G1@7S(^ 0#C!/0YQD5Z?10!S7@&WU&Q\%:;IVJ:?)8W
M5C"EJR/(CA]B@;P5)&#[\\5RA\.:^T%]IQTEPB^*4U2*X\Z/9+ UQYC$#=D%
M5'((^F:]0HH X7Q3X3OO$'B/4-@$5I=^'9M/%P6&%F:0, 1G.,#/2L71_"MS
M)?Z)'-X1N;66RFCFNKN\U:2:!2@X,*"8DDG&-R@ 9R#7HMYK%I8ZIING3EQ<
M:B\B0 +D$HA=LGMP#5^@#E_'>D7NM:-96]C!YTD>IVL[KN Q&DH9CR1T /%,
M\<Z%<:MHMK!IMHDD\>HVLS ;5PB2JS')QT -=!;ZE9W5_>6,$P>YL]@N$ /R
M%QN4'ZCFK= '!V\7B#PKJ.OQ6.@2:M#J5X]]:SQ3QH$=U4,DH=@0 5SE0W!]
M:Q[7X<:E%:PZ1(Z^3_PBT^F27:L-JW$DJM@#[Q7KSCH*]4HH \YEB\4:Q+X5
MM;CPT]HFEWT4U[<-<Q,AVQNF8@&R5^;/(!' P><,TWPMK-OJFD32V>V.W\1:
MA>RGS$.V&590C=><[EXZC/(KTFB@#S/Q3X=O'O?%>I226UI#*^F364]S,JQ2
M2PN3L8YRH+%5R>[#K4O]I:MJ?Q4\-+J&C'31#97CB-[A)9#D1@L=A("YP <Y
M// Q7H%Y9VVH6<MG>6\=Q;3+MDBE4,K#T(-9^C^%]$T"2672]-AMI90%>102
MY4=!N.3CVZ4 9OC#1M1N[C2-;T:.*;4](G:2.WE?8L\;J4DCW?PDC!!/&15>
M/4/%NN:MI\<>D3:!I\$PEO9KF:&1YU /[I%0MP2>6..!QS78T4 >8II?B;3/
M!^I>"[;0FN1.;F&VU+[1&(!%,S'?("V\,H<\!3G'6MO0/#=[I'B#6V:,M:2:
M;96MM,6&9&B216XSD=5Z^M=G10!YW:>&-7B\%^!-/>TQ=:7?6TMXGF+^Z5$<
M,<YP<%ATS6)I#Z_JG@O7O#MAH;2I?7^H6\>H&>,0QH\SAVD!._*Y; "G/'/6
MO7ZK65A::="T-G D,;2/*RH, NQ+,?J22: //-0T#61KUU;W>FZKJ^F+!!%I
MBVVI"VMTVH _G*'5B2W.</P>!VI?"7A76M,/@<7ED(_[*M+Z&[(D4A&=EV8P
M>00">.G?%>ET4 <!=>%9[O3_ !W#?A;6'4;@7%I<,XPNR&/;)P>-KIGG'2KO
MPUAN[CPX_B#4D"ZCKDOVV4?W4VA8E'L$53_P(UT>KZ+INO67V+5;..[MMX?R
MY.F1TI\]_8Z?<6-C)(D4EVYAM8@OWBJ%B!CIA5/Y4 <AK.@:K<:_XFNX-+M+
MV&\TNV@AANV'ESLCR%T(!R/E88)XR1Z&J_@[1-3T[Q+YMII^J:/H(M626QU"
M^6X5IMPVF)0[[0 &R<C.1Q7::5K%IK"7;6A<BUNI+27<N/WD9PV/49[U?H Y
MJ]TJ\F^(ND:JD.;*WT^YADEW#Y7=HRHQG/(5NW:N*NO!UWI^I:\A\-7VKG4+
MR6[M+BWU5K>(>9R4F3S5QM.>0#D>]>M44 >?6>BZKX/UB"^L-%_M"UGTNWLI
MK:RF53;R1;L;?.89C.\CELC&>:P-"M-9N='TW6[;3!<W>G>([^>ZL895#$.T
MJ,$9B 2I;N1G%>HV6L6E_J>HZ? 7,^GNB3@K@ N@<8/?@BIK*PM-.B>*S@2%
M))7F94& 78Y9OJ22: /,]3\/>)=;M/&MQ)HQMI-62Q%G;M<1LY$3'<&(; ..
M>N.< FNHLO#]V_B#QF]S&8;75A D$P8$L! $8X!R,'/7%=;10!X]IG@F\CT_
M3-$N?"<[W%M)$EQ?3ZM(UFT<9'[Q(UEW%CM!";0 ?85JW6F>)-*T3Q/X>L=!
M?4%U.6[FM+Q;B-(U$^25D#,&#*6(& 0>.1S77:GXOTK2'U5+IY0=+MH[JYVQ
MYPCE@N/4_*:W0<@$=#0!2T2WEM-!TZVG79-#:Q1NN0<,% (X]ZO444 %%%%
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M-%975\;MH&??NPY)QG:IVY/ZUO\ Q U2\T7P)JM_82>5<QQJJ2XSY>YE4O\
M\!#$_A5W2?"^C:'=S7>G6?DW$Z+'-*9'=I0"2"Q8G<<D_,>>V:T[FWAO+:6V
MN8DF@E0I)&ZY5E(P01W% 'GVOV<?@;3+G4M*UV^-[_9MRR6EY=/<B[=$W>:
MY."O4[< @XQ4%S9-X9M_"VKZ?K&HW-W?W]K;71N+QYDO$F^\=C$J"/O J!@#
MTKK]*\&:!HT[3V=B?,:(P SS23;(SU1=[':OL,"F:;X'\.Z3?Q7EGI^V6#/D
M!YI)$@SU\M&8JG_ 0* .+N=7O8_@]XMO#J%PMU!>WT<<_G,'CQ.P4!LY&!@
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MJWVY1 <# E*8WY[[<=>] &M=^*+O3[FRT<:7)JFO/:"XN8+)U6*)?NEB\A7
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MT'REW<NV/;+$#VKSK0;?Q%X@^&TWARVTJ%;.]N+J$:DUPNV*(W#[\Q_>+_>
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MHH **** "BBB@ HHHH *QH_"7AV'5SJT>B6":@6+_:%MU#[CU;..OOUK9HH
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MOI<^B?8]8MM.:^@1+M)4=,[<[L#!![$<U1\/^))I;;P3/K0NXKFZTN>=I!=
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MW/H.U 'GL7@#5'LO$:V6F6FAVVH:5):1Z9#>M+$\['/FGY0J8'R\#N:Z[4=
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M ">3M(RI!(QC.>2*U_"WA74])U30KF[\@)8^'4TR4(^3YJNAR..5PIYKN**
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M2YN0HGF5 &DVC"[CWP"<4 6**** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M-:OB'[1I>LZSX-M=Z#Q3<1S6C*/]6LF5N_R5"W_ Z /59+B"((9)HT#G"%F
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M!,2 &!P<97L>M8-C!;CPCX,M+6+24LKC4+H:@EU\D$DZE_)6?;R>G ;J544
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M$;+[%;_9"<F#REV9W;L[<8Z\_7FK-% &==Z!HU_-YUYI-A<R[P^^:V1VW
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MP1$-''+"K*A'0@$8&*MT4 4)M#TFXU%-1GTNREODQLN7MT:1<=,,1D5?HHH
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M% ^]M&>>^*ZNB@#SK3/ _B#2M+T(PWVFG4]"\RWMF*/Y5Q;.J@K)W5\J#D9
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M#FEH **** "BBB@ HHHH ***0$'."#C@XH 6BBB@ HI P;H0<<<4M !1110
M444F020",CJ* %HHI"0.I [<T +113)9HH%#32I&I.,NP S^- #Z*.HR** "
MBBB@ HHHH **** "BBB@ HI 0<X(..#BEH **.E,CFBESY<B/@ _*P/!Z4 /
MHHI"0HR2 /4T +1110 44F]?[PZXZ]_2EH **** "BBB@ HHHH ***0$,,@@
MCU% "T444 %%(""2 1D=1Z4M !1110 4444 %%%% !1110 444P31-*T2R(9
M%&60,,CZB@!]%%% !1110 44FX;MN1GKBEH **** "BBB@ HHI"0HR2 /4T
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M<#L"P&2.U6+_ %CPQ:^$?$^G7-[?3-J]U<7,"C2[F-A))@QHI9,%@R@@Y'-
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M036 95D5"%:,JY)#99<'."#VQ69I/Q+EDU72(+[4/#MW'JDJP?9],NB\]H[
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M&0JXSG)'0D9IEN=.T_0=%M+/7KIK[2=1FO(KBXT*[991(9,JRA1SB0\@]NE
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MU>2."#G!/' K2E\9ZKX?U#5;;Q+!8NMKI1U2)]/WC*JVTQG?U.<8/ ]A5EO
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MMU#M'[Q93YN47&X.2.<YP:U393#Q8?A]Y3?V<VI?VUG'R?8\^88_I]HX^AH
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M&<HQ )7T-8V@>++?5-*GOKYK>P6._N+-?,F #F-F&<G')"DX]CZ5T2J$4*H
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M(HXV9DC52QRQ QD^]>/Z/J_B7P_X'U/7;673CIECJ=VS6DD+M).GVEMY\P,
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M$1GSL!,4O+8Y('7 ZXHM_$7B&PO/$.E:@VFWM[I]E'>6UPH-K$ZOO&)-S,%
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M21$VET\)1)0Y*!B$<^@8*2*M:AXN\/:5J*Z??ZU8VUV<?NI9@",],^F>V<4
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M\15(F) Y+[3MZC:3@5@6FMVESX+\#:#")WU.QU/3DO+?R'#6WER -YF1A><
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ML$CCBF10/M"Q\[HP<!CMY(SSU$=Y=W^K^$O'$2/:ZRGV&(KK-G8F!KEAG,;
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M1TEC62-E=& 964Y!!Z$&@#Q[Q=IE[<WOCE;."4Q"\TNXG2*'>9(U4&0A.CD
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MQQMW-@E"K9SR5KF$O=9BL4\?36-P^HZ1)%I30E"6=%@9)"!Z&>4'_@->\T4
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M;);1TBFB:-F$PC;!!X&5SU4C.#6DMUXQN/%%SX<BURQ1K33H;F2^-AEGD9Y
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ML_=SQBNK&K>)/$&JZV^B7MG9V>DS"VCBGMC(;J41J[;SN&Q?F"C'/4^U/B\
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M=0)4*,"K%&!4\CE37E=I!)/I&EZ4]C=&YL?%_G7$;VS@*C33.K@D89<$'()
MX]: /2-,\6:%K$-Y+9:C&RV8W7/F!HC$N"=S!P"!@$YZ<5#I_CCPYJEV+2SU
M)7G:-I45HG3S%49)0LH#@#GY<URWBN/4+?Q3XDO++1QJ);PW$B02P&2*9Q-)
ME2.CD*<[>IZ=ZRK2:ZO_ !OX/NEU/5M6@@GF$LKZ9]EM[8M;N H&P')/').,
M#/44 =UX,\76_B_3;FZB41M#<RQ% &X5795.2!DD+GVSBL/0/'JZMK6OW5SJ
M=C:Z)ICM&L;V[HY4!/WK2,0!DL1MQGI^-WX<2&+2]2TR:&XAN[34KII4EA9!
MMDF=D*L1A@1SD$US-YI6H2:3X@F73[B>.W\7)?R6RQDM<6Z"$MM7^/H3COMQ
M0!WNG>,= U5+IK/448VL7G3(Z/&ZQ_W]K $K[@8J71/%&B^(WN%TB_2[^S[?
M-,:MA=V<<D8/0]/0UP^N70\6Z\E_HMK=O;6&CWT=S<O:R1"1I4 2%0X!8@@M
M@#CZFNS\&6QM/ ^@6YA,+1Z=;JT97:5;RUR".QSF@#.TOQE%M\0SZU/;6EII
MNKFPBEP5&TK'MW$D\EGQG@5IZ/XLT+7IYX--U!)IH%#R1E61@AZ, P&5]QQ7
MG=_I=W-HOBJ%K&=Q/XM@D5#$3YD>^WRP&.5P#STX-;OBW2;[4O&5S%8Q.LEQ
MX7O;6.8 A1(TB;5+= >I_.@#H].\:^'-6U%;"QU2*:X?=Y8"L%EV_>V,1M?'
M^R320^-O#=QJHTV+586N6E,*_*VQI!U0/C:6]@<US.GZQ:ZGI&A:%9:#<MJ5
MO$L;BXM'B&ELL14R;V7&0> %/.>#7'Z;I]P_A72_"]W?^)#?Q2PQ2:3%I\2)
M"R2 ^8)C#C8"-V[>2?4DF@#U*_\ 'OA?3+F:VN]7BCF@D\N9=CMY1X^_@':.
M1R<#WXJ&;QK9Q^.K?PV"I$UD;D3 ,V7++M48&,%23G/I6+9:=*-(^(^ZTD\R
MZN[GR\QG,J_9D Q_>&<@8[YJKH_FZ;XE\)2WEM=(D_AE;)7$#L%GS$VQB!\I
MP#]['2@#K_#GB*WU6SL89=0L[G49K079^RJZQO'NV[T#<XSQSS4MSXLT*SLY
M[J?4HDA@N3:.<$DS#K&H RS>PSW]*\XM+;4] ^''A#Q)9Z;<3:CI,#0SV:QG
MS)(905*E>O#^6WX&I-6\,ZAX?L_!=RUW?01V'VAM2O+*W6XDCGG4,92A5LKN
MW@G!(#4 >F:1KFFZ]:M<Z9=I<1HYC? *LC#^%E(!4^Q KG_%&M:_;^*M$T/0
MI-.B:_@N)9);V%Y /+V8 "LO7<:Q?#6E7^IW6O:AI>O:S!)=/;I_:EY8PJ+@
M1JV=D1C7@;@-Q'...E4/&.E00^(_"@\5B\URS@M[T3W,=BYR[&,IE(1QZ?A0
M!UGA_P 0:N?$6IZ#K_\ 9[SV=M'=B[L=RQ['+#:ZL3M8;2>O(YJYI_CCPWJF
MH0V-GJB27$^?)!C=5FP,G8Q 5^.>":X'2;46>HZ_<^#?#UX-#;1Y#)9WMO(D
M5Y=Y^0)')\QRN0V.#P.M5HY[S4M0\&NM_JFH+;ZC"T\*Z3]EM;(>6R[?]6#D
M$X'S$  Y[4 >DIXV\.2:J-,75(C<M,;=?D;8TO38),;2V>,9SFEU'QKX=TG4
M'L;[5(HKB/;YHVLRQ;NF]@"J9_VB*\W22ZTZYCM-#.J"?^T]S^&]1T_SX4S-
MEI(YMH"* 3(&W$4R>VNM(G\5:?J.J:_;O?7UQ/#9V6FQSI?1R_="N8FYQA""
MPVX["@#U'5_%6B:%)#'J-^D4DZEXT56D8J.K84$A?<\56\%^()?$V@OJ,I@(
M-W<11M!]UHTE95/4YR #FN3TD#P3XB2XU>VOS:7&BV=K;7'DM<-$\6[="YC4
M_,=P/3!(-;GPRADB\(N)+&:QWZA=NMO-'L:-6G<J,?0B@"O8ZUXI\6I<:AX?
MFTNPTE)GBM7O('FDNMC%2_RNH1"P('4\9K6L_$YL_#8U'Q5"FCSQRF"5&8LK
MN#@&/NP;J!C-<SX7UR#P%H[>&==M-0B>QFE%I/#92S1W<3.SH59%(W8;!!Q@
MBF7]YK5W)X:\4:UH\L-E9ZC<2/:10L\T$#QE(99$&264\G'3=TX- '86_C#0
M+K2KO4HM2C^RV9Q<LRLK0D]-RD!E_$547XB>$V,RKK4):(!MH1\R G ,8QF0
M>Z9K@O%L<_B2#QCK.DV-V;"71H;)&:W=&NYEE+%E0@,P52%SCZ=*[2_L#_PM
M'P]/':GR(-,NT$BQ_+&=T049Z#C=C\: -)O&OAQ-'MM6?5K=;"Z<QPS'(#.
M25QC(;Y3P>>,=:GT_P 4:)J=E=7EMJ$7DV>?M)E!B,/&?G5P"O'/(KR^Z8:0
M^GW%]87#Q)XVNYA&L#,Q0K*0ZJ!E@/O<9Z<5-XHT^^\8GQ/JFA6MW]C>PM+=
M28#&UZ\4YE?8K@;L)\HR,$G'- 'HVD>+M!UVX>WT[4$EF6/S?+9&C9D_O*&
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M-N.PH ]H!# $$$'D$=Z6LWP]9MIWAO2[)A,&M[2*(B9@SC:H&&(X)XY(K2H
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M]O&,O+(P55YQR3[FIZ\9\177B'Q+\*M0\2/JZ)9W1++IGV9-B0";:/G^_OP
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M/"E<#'6@#T&BLKPUK'_"0>&-,U<Q>4;RV29H_P"Z6 )'TS6K0 4444 %%%%
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M$[@KN1I,9"\8QQQG-7;[PY9:CK%GJ-R7=K:UFM1"<;)$EV[MPQG^ ?F:V**
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MJ5KI%E#>DL?.2$!@6^\1Z$]R.M7-1TRQU>S:TU&TANK=B"8YD##(Z'GH1ZT
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M*( LO9?I[=* .,BTR'3_ !YX/DBUJ]U#[1;74A^U7)FW_NU_>+G[H.>@PO3
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MUP:B\/ZQITOBCQAXD2[B.BB.TA%]N_=,8ED+E6Z$#>!D<9H W=5\5Q:=JO\
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M[N% D7BG640=%5+4 ?\ D&NBHI_6JGE]R_R#E1S;>%;EV+-XGUAB>I,=J?\
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M3'%:U !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M51NM-%U-YAO+R+C&V*8JOY5>JCK.K6NA:/=:I?,RVMLGF2%5W$#V% $/]B+_
M -!'4O\ P)-']B+_ -!'4O\ P)-:@.1FB@#+_L1?^@CJ7_@2:/[$7_H(ZE_X
M$FM2B@#+_L1?^@CJ7_@2:/[$7_H(ZE_X$FK4^HVEM?6ME+,%N;O?Y$>#E]@R
MWY#'YTMA>)J%E'=1Q31+)G"3QF-Q@D<J>1TH J?V(O\ T$=2_P# DT?V(O\
MT$=2_P# DUJ44 9?]B+_ -!'4O\ P)-']B+_ -!'4O\ P)-9%Q\0=)M[F^B^
MQ:O+'8S-#<W$&GR211LO+990>@.:Z6UNH+ZTAN[659;>=%DBD4Y#*1D$?44
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M>,QN,$CE3R.E6: ,O^Q%_P"@CJ7_ ($FC^Q%_P"@CJ7_ ($FM2B@#+_L1?\
MH(ZE_P"!)H_L1?\ H(ZE_P"!)K4HH R_[$7_ *".I?\ @2:/[$7_ *".I?\
M@2:U** ,O^Q%_P"@CJ7_ ($FC^Q%_P"@CJ7_ ($FM2B@#+_L1?\ H(ZE_P"!
M)H_L1?\ H(ZE_P"!)J>^U6UT^ZL+:X9A)?SF" !<Y<(S\^G"&KM &7_8B_\
M01U+_P "31_8B_\ 01U+_P "36I10!E_V(O_ $$=2_\  DT?V(O_ $$=2_\
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MC$;28VALD#T!(!P:;J/C?1],O+J";[6Z69 O+B&U>2&V) /SN!@<$$^@/.*
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M<*DT3Q-I^O27,%L+F&ZM=OGVUW;O#+&&^Z2K '!P<$<<4 2?V(O_ $$=2_\
M DT?V(O_ $$=2_\  DUJ44 9?]B+_P!!'4O_  )-']B+_P!!'4O_  )-:E9>
MLZ_9:']F2Y$\MQ=,4@M[:%I992!EL*O8#DD\"@ _L1?^@CJ7_@2:/[$7_H(Z
ME_X$FI-'UJRUVR:ZLG<JDC12))&8WBD7[R,I ((]#6A0!E_V(O\ T$=2_P#
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M:"2.$G!5<OE_FYZ<>G%%MJ$.K:1X5T\Z8$8:.9Q97&I/9V:1@J@D)"EW; R
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MPWX4T_PY86T4<,$UW"C(;PP*LK L3@GKCG'6C0_"FGZ,9)C#!<7;75Q<+=/
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M]J-U#HNFI<I<Z')J=_#!)>W\D$=S'&1Y"-,JLS#_ %F ?O;!R<5ZY-HNE7,
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M:'K$NG>&-(?1'LGT-6\^\,D9CFQ \6(]K%CO+!CN"XQSS0!UG_":>%]DK_\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !4%S8VEXT+75K#.8)!+$98PWEN.C+GH>>HJ>B@ HHHH **** "BBB@"/R(?
MM!N/*3SRFPR;1NVYSC/7&>U2444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>ex97-ibcrpolicy2023x11x1003.jpg
<TEXT>
begin 644 ex97-ibcrpolicy2023x11x1003.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M?IJ:7KDL4*1P2.9X6D0LC$GY2#CD=L]35UO">KZO?RZCK^HV;W$=C/9V<5G
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M)'>+>40#GJ&PQZ#'!SQ<TWP&VG76AW)U#SY[*\NKZ[E:/:;F6=&5B #A0"W
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M+>5*LB!U(#<@X.".:H:9X$;3;O0;G^T//FL+F[N[N1X\&YEG4AB #A1ENG/
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M744TL7E-,C$ /L/W0V,@>A%;4.@/%XWN_$!N%*3V$5H(=O(*.S;L_P# OTH
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M18XQJFK(TGG+N(9(DWJN[(W,<Y.X<5B^'K:VU&S\+6MS&EQ;CQ3??NW@\M2
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M) D,6O7J1QJ,*B^9T [#GI63XV>TM/&D%XNNV>D:@=.,8.KVRO9W,6\DH&+
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M7B#2IK74X86108)PR,6=5(W+GD;LUJ:CKVCZ1-%#J6JV-G+-_JTN;A(R_P!
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M8/% &YX$\57/C#2I=4D33X[9WQ!%;7!EEC&3Q*, *V-IP/6K5SXPTZW\7_\
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MX5F"YZ9X&>V:X.R\6>*8- T'Q+JRZ6=.U)[9)K6WA=9(%FPJ2!RY#<LI*[>
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M%[IU_+8RO;@K'*5"D. 22,AAQD\YKB-<_M4ZS\3!+=V[6B:$O[L0MN"F&?8
M=^ 1SGCG(Z=P#U<I%-LD*H^/F1L X]P:=@9SCGUKSS1M9\2Z3_PB<6IG39-/
MU9%MEA@B=9;9A"70ERQ#\*0?E7VK$D^+<[V=QK4&HZ,+:*9A'H[QN;J:)6V[
MO,W;5<@$A=I'09H ]>) !). .I-,A,+Q+) 8VC895DP00?0BJUY*L^BW$R'*
M26[,OT*YKS;PUK6M6GA?X?Z+HRV2OJ>FRM)/=HSB'RE0A@JL,_>(QD<XY&*
M/5=HP1@8/7WI(XTB0)&BHH[*,"O/O^$WUJST_4+&Z@L;C7(-7BTJW>,-'!*T
MJJR.RY)4!6)(!/3@\U9UCQ)XD\':-J=_KD>GW\$,49M;FV4VX:5W">6Z%F(
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MC5@RAE(*D9!!X(I: /+-;U*+2O$WCV.6Q^VW%UI=O);63*V+I$CD#@8Z@9Y
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M;N\5(RX:W%LF6VC[RABK$8/ ]JMZ_>V7B+6]6U/P^PN+2#PU>P7MW"I\N1F
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MH;4QFU=(O,^5MQ+C (Y^OM4D_P /#>_VY)?:Y=7-QK-BMG<2-$BA I."BC@
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M8ON_Q[R_XUUZWL'AS4_&%EK-E=SSZI/Y]J8[5Y1>1F%4$0*@C*E6!!QC.>E
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ML=4O6 =2"09W(//8BH_B%>7-E9Z2\,,:Q?;U\V_>S-R;$;6Q*J#OGY=W0;J
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MS=QM.2<D'C'K1'XOU2;P?I<]YK=EIMS)>W%I=7*VQEEE\IW0>1" V6;:"<Y
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M9K>*V#C[\<I0?*K8!W$Y'/%>HN"48*VUB.#C.* *\VHV5N$,UW!&))A;H6D
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M?EYXSP,8YK.TKQ7K_B:T\,Z=;WD.GWM_;W-Q>WD< <A89!'B-6RN68YYS@4
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M%@,+D8YZ5SEV^H0?#/4?!ZZ%JTNK)>2G"6;F)HS=&42"3&TC:>@.<]J]HHH
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M+G[2P7*HK6[J-WL2<?C0!0^)7C"\T+P?%>>'Y8VO;L&6"1E#*(40R.^#QC:
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MU!'48I;OQ]H-E>W$$LMTT5K+Y-S=QVLCV\$G]UY0-H(R,\\9YQ7,6&AZG%X
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M]K2+]F0<#_>R/KFN3@\/:EIDGAK4KR#7X[<>';?3YQI.?/MYD^8AT +%3G'
MX*\T >K:1K%CKNGK?:?-YD)9D.Y2C(RG#*RD JP/4$5@^/=4U33;/1HM)O$M
M+B_U:"R:9H1+M1PV3M/!Z"CP!IKV&DWTTEE?VAO;V2X"W\XDG<$*H=P -A(7
M[O./6H/B+HCZ_9Z#9_8Y+JW&M6[W*)GY80'#$D<@<]: *LVH>)?#'B/0K74M
M;M=8M=5N6M3$+,02Q'86#KM8@J,<Y'&16I:?$/PY>"[DCN9UMK.-Y)[J2VD6
M%-C;67>1C=DCY1R<BK6C^"?#>@WOVW3=(@ANMI43'+NH/4 L21^%<9_PBVK7
MGP8ETF.TEBU$7DMR+<GRWD"W;2 9/0LH&"?:@#LM,\9Z1J=TUM_I=G.(3<*E
M]:O;F2(=77>!D#(SZ=ZCTSQSHNK7UK:0?;8C> M9RW%G)%'= #<3&S !N.?<
M<UR>G::^I^(K.ZCTSQ-=BSMKAB^NSF&-'=-GE!2IW[LX)' P#D]*@\-6NK66
MLZ+!HUKXCLK57VZAIVJKYEI:Q!#D0RL,DAL!=I((ZX% '567C&PM/#ME=WFH
MRZC-=W$T-O\ 9K)A+.R2."JQ+D_*%P3TXSWJIHGCRVNKGQ5?7UWY.D:9-"D9
MF@:-X\Q*65E(W;MY(QC.>!7/:)I>JZ!!X8UFXTF]GCLGU&"YMH8B\T0FG+)(
MJ=6&%&<<X8&H-3T36?$5OXHOX-(O[0R:I8WL%N^(IKB.)%#;2> QP2 >A !Y
MH [^Q\9Z3?-<QD7EI/;6YNG@O+22&0PCJZJP&X?3IWJOI_Q!T#4[RRM[>2["
M7QVVES+9R)!.V,[5D*[2< _D:Y.#29=4U&XNK>Q\3S?9]+N8UN-8E*$/(N/+
M2,KE\XR3D 8'6M.71[__ (0[X?6JV4OG6-W8/<QA.80D1#%AVP3@T ;'@[Q:
M_B:XUJ.2TG@^Q7SP1%[:2,&,!<9+#[^<DCJ 1Q6[JVK6.AZ;+J&HS^3;1X#-
MM+$DG   R222  .3FN<\&1W5CJ_B>QN["ZA,NJRWD4[Q_NI8W"XVMT)X.1VJ
MUX[?5T\. Z/%+)+]IA\YH(5EFCAW#>\2-D%P.G!H DL?&NDWL]W;LE]:7-K;
M&[D@O+22%S".KJ&'S#/''>H-/^(.@:G>65O;R782^.VTN9;.1(9VQG:LA7:3
M@'\C7&6^E:C<>*KR]AM?$-Q:2Z!=6J7.J@[WF+(0H3 V# XRHR<^E;4NCW__
M  AWP^M5LI?.L;NP>YC"<PA(2'+#M@G!H E\8?$:QTK0]<_LV2Y:\L8WC%TM
MF[V\=P!Q&TF-N[.!C/4XZUW%K(TMI#(_+/&K'ZD5Y/?0ZMIGP_\ $/A >'=2
MO;^9[O[//#!NAG25V<2%^@8!ONGG(&,UZO9JR65NK AEC4$'L<4 <KJFK:SJ
MWBZ7PWH-W#8+9VR7%]?/")F4N3LC12<9(4DDYX[5!<W?B[P_I/B$W]Q#?P6N
MF2W=EJ8B2-A*JL?+DC!P2, @@ 8ZTFHI?^%_'-WK\&EW>HZ9JEK%#=+9)YDT
M$L1;:VS.64JQ'&2"*@U&^\0^)])\2"'2+JSTEM(G@MH+N'9<W-PRMR%SE5QQ
M@\DF@#1\.^/=,U8:5:2M=)=WL :*:6TDCAN'";G$;D!6QR>/PS3K3Q?86>AI
M=WVI/?/->SVT @LV$LKK(P\M8UR6*A<9Z'&>,U2OM*O6M/ *1VDI-C=PM<!5
M_P!2HMG4EO09(%<F?#.K6]MHFI2VNKI%8ZCJ?VB/3SMN42>4E)%7JPX&0.<-
MQ0!U7B?XA06G@;5=5T=;@WUJ?(,,UI('MI2,@RH1E1CD$\'CGFNG\.M<OH5L
M]Y>7-W.P)::YM/LTAY.,QX&W'TKS6\T"\O?"/C&>RTS6VFOXX(H&U*4M<70C
M.<^5M!0#) SR1V&*]>H X'7]6UF3XA_V'9>(K?1K1-*2\+2VR2[W,KH1\Q'8
M#\JT[/49O#^D:AJFN>)4UBTA"EI+:S5?('.XD1EB1R"?0#-<[XKL+8?$X:CJ
MOA.[UW3CHT<$9BL5N52432,>&X!VG]:T;/4K*Q\/ZJ- \!WUG*5 6S?3EMTN
M7;*@':<$#^(GH* .E_X2;2#J$]FMXC/;V@O)Y%YCBB/1F?[HR 2!G.!GI5/2
M_&^C:M?6]I";R%[I2UH]U:20I<@#),;, &XYQUQS7!V'@?6=(\)^(?!8A69M
M2LO/MM1B0A#+M"M Y[ %0%SQM/M5K2M-EU+6-!1]/\6,]G.MQ/\ VI/Y<%HR
MJ1\IVXE.3M 7C!.2* .N/C[0/M_V?S;DP_:/LIO1:R?9A-G;L\W&W.>.N,\9
MJ_\ \)/I7]DZIJ?GM]ETN2:.Z;RSE&B^_@8R<>W6N,\/3ZMH'A>S\)GPU=W6
MI6T_D^;+#_H;IYI;SC+T^Z=V/O;N,50U%-7L?#OC?PZGA_4[F\U*ZO)K66&'
M="\<PR#YF< CGY>I(  .: .FD\;[_&MQH<<,\=JNE"[2Z^QR, YW'<3C;L"@
M<]VRN<\5J>'/$=GJ<%E9_;S=WSZ=#>F4P&(3QOQY@7MDCD=LBN:FL]0M?%JN
M=,O)(;SPTMDLT46Y(YE+L5<_P\$8]2:S[O1_$&E>!_"6J:-I\KZ[8::MA-;8
MPVV2$+\W^Y(L;?@: .RF\<:'%9Q7*33S^?<RVUO%;V[R23O&2'V*!E@"#\W3
MWK1T77;#7[62>QD<^5(8IHI8VCDA<=5=& *GD=?6O/\ 6O"$VAW/A::U75I-
M.TVQDLIVTIO](1FVGS-O)8,5.['/(-=!X#TUK>;6=1:SU6 7LT>R35)]T\ZH
MFT.R8&ST ))( Z4 :OB[Q _AO06O(+<7%Y++';6D!.!)-(P5 3Z9.3[ U@:C
M#XYT'29M:.O6FIR6L9GN---BL4;H!EEC<'<"!G!;.>XK8\;Z'=ZYH"KIQ3^T
M;*ZAOK19#A7DB<,%)[ \C\:QM5\4:QK>B7.DZ;X4UB#5;N)H";R$1V]N6&"Y
MESA@,DC;DG'2@"CJ/CRXO_%>CVFES:C;Z;)IPU*5K?2GN7N%)0J@^4X7:Q!9
M>C<9S3/!OBW4]933+_4=:FB_M&^DBCLGTO9&0JRG9')@$\*"6)/*D=ZUM'\.
MSZ+XVT:***1["Q\-FQ^TE?E+K+%@$^I"DXK&T+0]4M]&\ 12V$Z/9:A<27*L
MA!B5EG +>@.Y?S% '5-X_P! 6^-OYMR81<?96O1:R&V6;.W89<;<YXZXSQFE
MOO'FA:?>W-O+)=.EHXCN[J&TDD@MF])) -JD9&?3OBN:\/SZMX?\+VWA,^&K
MN[U*WN#$)98<V<B&4MYQEZ8VG=C[V[C%8CZ#?:7#KVE75GXJNIKJ[N)+>/3Y
M<6EVDK$C>^"(S\V&W>F1F@#T74/&NC:=K4>D.]S-?.D<@BMK9Y?D<D!R5!&W
M(Y/;(]:Z&N)\-Z)<Z9XUN7>TDCMH]$LK6.1FWC<ADW*'P-Q'RY.!G@XKMJ /
M/-7\<WUCX9\2>)+9/-M;6<V>GQ>274M&2KRN5YVE]PZ@80=S4\_CX6GC4V4L
M-^]G+I,5U!:1:?(UP9#+(K$H%W !5'7 'XUB0:9>7GP3UWP_:P/-J5I/=VSP
MK]YG$[2#'KE64CUS72Z2ES?_ !&EUPZ?=VUI/H<,2FYA,;*XGE)0@]#@@X]Q
M0!HMXVT(:#::REU)+;7C^5;)%"[RRR9(*+&!NW @Y&.,'-7=%\0V&O)/]D:9
M)K9PEQ;W$+12PL1D;D8 C(Y!Z&O+Y/#.K0V>CZB]IJJ1V&KZD\\5@=MRL4TC
M;)$'\0Z<#DACBNL\#Z<R:QK&J?8]9CCG6&%+C5YOWUP$W'/EE04 +8!/)R>!
M0!TNNS:E!81MI=NT\YN(5=5*@B(N-Y&[CA<URUQXB\1M'H>B1P16?B#5&N))
MI+A1(EI#&QR^U3AB05"C/?D]:[RN/\66.H6?B+1O%.FV,M^;!9K>[M(2/->&
M0#YD!(!*LH..X)H FL+?Q=I>NVL5W?QZWI5PK">9H([>6U8#*G"G#J>F,9'!
MKF=!U/Q'K]E<7LGCBRT[%Y<0K;-8PL45)&4<E@3P!VKHK3Q#K6O:]8Q:=H]]
MI^E1%GOKC4[;RFDXPL<:DY)SR6Z #O7$:!I^D:=9W4&N_#F_U"^-]<R&Y_L=
M)@Z-*Q7YF.3\I% '8ZIK&M03:)X:TR_MKG5[^)YI=3D@'EQ0IC,@C4X))90H
MSCUJ*YO_ !%X/U+3&U?5HM8TF_NDLY)&M5@EMI'X1OD^5D)X.1D9')J&]MKJ
MWO= \6Z)H5T(+.VDL;C23$L4Z6[$8*)G&5* [<\@\4FISW_CN]TJPMM%U*PT
MRUO8KV\NM0@\@L(SN6-$/S,2V,G& !WH U=/@\62:G.M[?[+-XKI8V$$0:-C
M*! PP3DA-W!XZ9Y.!H>%-:DUS0DGN55+Z"62UO$7HLT;%7Q[$C(]B*VZX_X>
MJ9++7=07_CWO]:NKBW/]Z,$1AA[$H3^- &[K>O:?X?M8Y[^1P9I!%#%%&TDD
MSGHJ(H)8\'I7-:]\0K2W\&:WJ>EI<_VA81E6MI[219()"I*&1",A>^X_+[U9
M\7VMY!KWASQ!;V,]]!IDLZW$%NNZ4++'M#JO\6TCH.<$XKF-=TW5/$EMXRUB
MVTF]MXKO1TL+2WGB*37+J78OY?4?>"C/)H [SPI+>3^';6>^O+F[GE!8R7-G
M]E?KC!CP,#CC(Y&#69=^+Y+?XA+X;%I.83I[7'G+:R-^\W #YL;0@&<GIG S
MGBNHME*VL2L,$( 1^%<CJD5W;?$ZTOA87<]I<Z1)9>?!'O6.3S5<;_[HP.M
M%+P=\2;+4]"T,ZI)<B\OE2%KK[$ZV[7!_P"68DV[=V>, ]>.M;FI>.M$TR^N
M;65KN7[)C[9-;VDDL5KD9_>.H(7CGV'6N4@T/4D^$OA33OL$XO+:[L7F@V?-
M&%F5G)'; R36;/HM]I%]XDMKFV\53M?7T]U:KI3_ .CW"R\A7."$(^Z2V!@
MC- 'KT4L<\*2Q.KQNH9'4Y# \@@^E/K-\/6']E^'--L#$83;6T<7E&7S-F%
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M >TT5Y_I_P#:NO\ Q"U59M8O[*RTV.QG2RMW4*SNA9E<D$E?EQ@8SGV%>@4
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MT/RD[Y&!(7@<=#R>*MUY/J.DW\,'@C4[KQ#?7\EUJUI)<13LIB9V1FW1@ ;
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MR26C#[6\G"I".KMD$<?RYH Z&71[2;7+;6'5OM=O!);QD-QL<J6X^JBL?4?
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M;ATE=?E10!@*O).  .30!T%OX(T&#0+K13:-+:WC^9<O-*SRS29!WM(3N+9
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M6*>%(XH@&8 1;1DC& 2Q/(I9;S6?%/BK5=+T[59-)TS23'#--;Q(\UQ,R[R
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M=IHNI+K.B6.II"\*W<"3"-R"5##.#CCO5UE5T*.H96&"",@BA55%"JH50,
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MD!E8#(Z<^E3Z1X:NWUVUO;;PJ^CO:0RD7.HZD]RPF9"JB)5E8;>3DL.1T -
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M= 5&">O%2:EHOBF'P[XM\-V>@_:1JEU=W%O>_:HUBV3$MM()W!QDKTQG'(%
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MRB4L54,2^W'0G\ZT/&FD7VJ6&GW&F1QS7FF:A%?QP2/L$^S(*;N@)#'!/?%
M%27QPX@U&VDT34;/6+>S:ZBLI_*+31YQO1@Y0A21D;@1Z4?#.6^O/!MIJ&HS
MZG-=7B),[7TB-N+(#F,)PL9SP#@^H%4Y--UOQ'X@?5[O2'TR"TTRXM+:">:-
MY9I9=N2=C%0HV@#)SD]JZ/PC87.E^#=$T^\C\NYMK&&&5-P.UU0 C(X/([4
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M^\B%X]R!6.5R>^#R..I  W2_&=]J.FR3:K%J=@5\1I90M$L/S SE%A;#'@8
M<^_RDUT[>-=-C\.:IK4D5RD>F3R6UQ 5'F^:C;=H&<$L2NWGG<*Y1?#>OF&;
M3VTHB.+Q5'JD=QY\966!KCS&(&<@J.H(Y[9J_JGA#4KGX@130HG_  CUW-#J
M%^"P!^T0*P0;>X8^43Q_RS]Z ->]\;)!?75I9:)JFI/9*K7QM%C(MRR[MAW.
M-[X(.U<]:W]-U&UU?3+;4;&42VMS&LL3C^)2,CZ5YOJ'A"YL?$>N77_"-W6M
M1:C/]IMI;;4S;>4Y0*4D7S%XRN0P#'!KO/#&EMHOAG3].>"W@>"$!XK8N8T8
M\D*7)8C)/4T <1\*/$NK:E]OL]<O7N9) U[:228SY/FO$R\?W6C!_P"!BHO"
M'C.^N-9\6:KJ]U,^D1P0WEE J;C' S2A=H R2RHK?\"JJ?!'B6W\':''80K!
MJ\3WEE= RK\EK<R.2^0<$K^[< <UK:CX7U^SN?%#^'4%J9M,LK73I%E52?*+
MAU!_A.TX!(QDCTH Z#3_ !C]IUNTTJ_T/4]+FO4>2T:[$164(,L/D=MK '.#
MBLVT^)UC=VEGJ T;5H])N9UMQJ$D:"-)&;8 1OW8W<;@",]ZQ]+\,:@/&_A[
M5X/#U_96MIYZW<VHZF+F=B\1 ./,<;0>.#D[N@ JQ'X5UE?@_8:";0?VE%<0
M.\/F+P%NED/S9Q]T$]: -_5/&GV"ZOX[;0=5U&'3AF\N+98PD?R[B!O=2Y (
M)"@TZY\;6F[3XM+T^]U:YOK1;Z.&U"*5@.,.Q=E"YS@#.20:Y36_#NO:GJ6O
M17^DWVIM<NPTR8:GY-E!$4 4/$'!W Y)^1LTNBV.K^&=3T9X+"*^U#_A'K:S
MO=-%W&DT/E$@2*2=K(264X/IUH Z*#XBZ7<Z/]NALM1:9[YM/ALC"!/+.HR5
M"DX&.<DD 8.:=)X^L;33-6N=1T^^L;G2HEFN;*94,GEL<*Z%6*LIP>0>H-<#
MI_A_4?$FD-JYL8[N>S\27L\ME!=F(3(_R,(Y05Y4]#D X.>M:5WX,O[_ ,/>
M)_L/AHZ=->626MI%<WQFN9<-N;>QD9%7/0 YZDGG% '3?\+#0:A'IY\.:VMY
M<Q&:QA:.,&Z0=2#OPF,@D.5(!'?BIT\?Z=)HD-^MG?&ZFNWL4TX1K]H-PI(:
M/&[;Q@DG. .<U/>Z3>3?$#1=4CA!L[:QN899-P^5W:(J,9R<[6Z>E<;?^!=4
MFB-X^G&Z>V\07EZ+);KR6N+>;(RKJPVMT(!(Z$&@#JI?B!86>F:M<ZEI]]8W
M.E(DEU9S*AD".<*ZE6*LI.>0>QI]IXV6XU-=/GT+5;.XGMY+BR6X2,?:U0 E
M5PYVMR.'V]><5R%WX,O[_P /^)#8^&O[.EN[:*WM8KF^,US+APS;V,C(J^@!
MSUYYQ7:ZOI5Y=>./#.I0Q;K2RCNQ</N V%T0+QG)R0>E $'P[U_4/$GA&#4-
M2MI8KAI) 7<(%D =@"H4G@#Y><'(/7J=[5M3M]&TJXU&Z$AA@3<RQ(7=NP
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MV5E=R2!@9&3P3FM2XT&TT#XEZ$EC=W;*^FWQ,-Q=/-L($?S@N21N[\X^7ZT
M>A:=>IJ6G07L<,\*3('$<\9CD7/9E/(/M3;B_2WO[.T:&X=KHN%=(RR)M7/S
MMT7/09ZFO,-"URXT'1?!WB34[^XDTZ\TMK2^:65F"R!3+')R?O':ZY[Y6I+2
MZUJQE\'WEU/<O>:D=1U">V:5BN6A,D<6W/11M '8B@#T;6-8M-#LTNKPN(WG
MB@&Q<G=(X1?PR16A7BUWI45S\/?#?B2;5KZ?4KZ^L)KEI+MVCF9YD)C\LG8
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M6MQ+=0G<WR2R;M[=>^YO;FM:B@#.ET#2IY=1DFL8I6U*-([L/EA,J@A00>.
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M^QKY@7R589\M-I4!QG(<MS73V/@S6M-CACLM/\(P)!/]IB5+2?"R[=N\#?\
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M9S6ML961&,@8R2X4C)W +GM6>FJV&G:G'/!KNHW>E6WA>\(O0VZ8[+A5W+D
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M;5-'N7L+PPV9U*6[#RM*YVJ[(>=I;C);/?%=/J6C:J?'EMK5G%;36DFG/87
MDF*/%EPX=1M(;IC&16;'X/U-?AYX;T(M;_:]-N+.6<[SL(BD5FVG'/ XXH L
MWGCFZ$^J/I>A/?Z?I4C17=Q]J2-BZ#+B)"/GV^Y7)R!FEN/'<T^MV>F:#HLF
MJFZT^+4EF^T+"BPNS+D[AUX''?/;%<]>?#RYMM1UG[+X:\.ZL-1NI+JWOM0P
M)+5I.65UV-O4-DC!'I74:1X8N=+\617^;;[''HD&G@1)Y?[Q)'8D(!A5PPP
M?:@"C/\ $.5;:\U:VT.2?0+.5XY;T7*B1E1MKR)%C+*"#SD$X.!7;Q2)-$DL
M;!HW4,K#H0>AKR<?#6ZL8;K3+;PUX:O1+<.]OK%X@:6*-W+8DC*'>RY('S '
M SBO5H(5M[>*%  L:! %    QP!TH \_T[QNEII&D6UA937-WJ5S>+"FH:@%
M \J5@V96![D;5 /'':NST34;G4]/\^\TV?3KA9&CD@F(;!4XRK#AE/4'O7#K
MX-UBV\,V&G3Z9H^LV\=Q=R7-A=-@,))6>-XY"IVL W(QW//%=%X%\/WGAS1)
M[6[*();IYH+2.9IDM(SC$2NV"0,$] ,DXH ;JWBN^M?%!\/:7H;:A>?8EO=[
M7*PQJA=D(8D'!RHQ@'.>V,U4B^(*W6D:;+::1/+JVH7$UK'IS2JI22(D2[I.
M@5=O4 YR..:U$T6Z7X@SZX3']D?2X[0#=\^]97<\8Z88=ZYJW\&:WIBV&I69
MLY=2T_4[ZY6WDE*QS07#DE=^TE6QM(.",B@#IM!\22:IJ%]I6H:<VG:I9*CR
M0&42H\;YVNC@#<,@CH""*C\2^*6T*_TS3K:SCNK[43)Y*S7*V\8" %LN0>?F
M&  2>?2HO#^CZJ?$FH^(]:CM[>YNH(K6"TMY3((8D+-\SD#<Q9B>!@#'6D\9
M:/?:LMHL6EZ7J]BF\7-A?X0L2!M>.3:VUASVY!ZB@!1XNGBCT=;[1KBSN=0U
M!K!H9'!\M@KMO# 8=3LX(QG-&J>-[/1[S7(;NWE\O2;6"X9XSN:8REE5%7UR
MH'7^*N:M? ^O:?H%BUJ+7[78ZR=2MM.>Z=HHH2A3R%E(ST8G.,9/3%2W7@O7
M_$$GB6YU-K*QFU2WM!:)#(TH@D@=G4.2HW#.W) [D=LD MZYXDUS_A&]<@U#
M0+G2I6TBZN+:Z@N?.5&6,_*SJ!Y;C((Z@X.#Q3M \8ZBJ>'+75=#FMK;5(EB
MMKU[I9'>01;QYB 97<%)')]\5)J-CXR\1:;J-I>1:?IMO)IMQ;""&?SOM,\B
M;58L4!1%YX')SSTJW>>'+ZXA\'HC0YTBXCEN<L>0L#QG;QSRP].* .CU&\_L
M_3;F\^SSW'D1M)Y-O&7DDP/NJHZDUS5IXPU!/$&FZ5K6@C3CJ2R&V=+U9B&1
M"Y610!M.T'D9&1BM;Q5IU_J_A;4=/TN\^R7T\)2&;<5VGZCD9&1D<C-<1IO@
M2]C\3:#J<7AW1M'M[%Y?M*07!FGG#Q,FXOL&0">A))R3QCD W+'QQ?:BEMJ-
MKX:NI="N;@0Q7D<H:4J6VB7R0,^7GOG..<8H;QQ?3FZO--\-W-_H]K<M;274
M4P\V0JVUVBA )=0<CJ"<' JKHVC>,-%TFQ\-6AL(K&SE55U42[I&MP^=ODE,
M!RORDYQU(YI+31/%^A6-WH.B_P!GK9RW4LUMJ<DI\RU220NP,)0AV!9L<X/&
M<4 7KGQI?O<ZF=&\/2ZE9:7(T-U/]I6)FD4 NL2$'>5!YR5YX&:O:5XOL]9U
MJVL;*-GAN=+34XK@G&49]H4KV-8R:-XJT&76K318-/O+74[F2[AN;FX:)K:2
M0#?N0(=XW9(P1UQ4%KX2UGPI?Z/<Z%#::DEKI"Z7-'<SF Y#[Q("%;C.<CZ4
M 7+CXA>7:P26^CSW,T^L3Z1'"DR@EX]X#9/ !*?@#GG%9WB#QOK \*^*X4TM
MM-UO2K59"%N5D58Y%;;*C[>2-K<$#D4_2_!6MV\6D&\ELWGMO$%QJ=PT3,%*
M2+)]T$=<N.#^=7-=\'ZAJMUXQ:*2!$UC2X;2V+,>'02YW<<#YUZ9[T 1MXF>
MPU&6ZO[.Z6]MO#CW\D"WFZ(JCGC&,;SC[WH<59L/'%Y/?:,M_P"'I;&PUD[;
M.Y:Y5VW;"ZAT ^7*@XY/OBJ-UX7U[5FO+JZAL[:>Y\-3:5Y23EPLS,=IW;1\
MN,'..,XYZUJWGAN^GM_!\:-#G2+B.6YRQY"P/&=O'/+#TXH R[[XDW=MH=UX
MAM_#4USH,3LD=VMTJO)AMF_R\9"%N^<XYQBN_) 4L3@ 9)->%ZO=7MI\,KOP
MYI5_H]UIHG-I:R^>XO'!GP(# 5'S@G!.>@SBO<WC62)HW&592I^AH X<?$2?
M^S!KYT"8>&3)M_M#[0OF>7NV^;Y.,[,^^<<XKE];U'7W\4>--02SG9M'L1]C
M*:HR1VP:&0^9Y8&UR1\V"." />M<^$_%+>#QX&9-/_LL 6YU3SV\PVP;./)V
M_P"LV_+G=CO6Q=^%;^:;QLT;0!-:L8[>TRYX9870[N.!EAZT 8?A.^M]!?3O
M[134()#H<VI7#S:D]S&54Q[G*M_$1@C'W>1CFNATWQ?J5W)83WOAFYM-+OU+
M0W0F$K1C:64S(H_=@@=<D X!Q5.X\$W5_<VL=S)$EI_PC<ND3LC$L)'V#*C'
M(PI_2I+#3_&%Q;:?H^H+86EA:Q^5=W5O,9'O4"% JHR#R\\$G)(Q@4 1P_$2
M1[2VUB;0Y(?#US*L<=\;E3(%=MJ2-#C(0DCN2 <XK0T_Q;?:IXIOM)M-!D:T
ML+HV]U?-<JJH=@8%5QECS@CMQSSQR&F_#:[LK:RTEO#7A=OLTB!]:>)7EEB4
MYSY13_6$#!)8C.37;^']'N](O?$ES,8B+_4&NH,,?N^5&OS<<'*&@#HJ\PUO
M7]?.I?$&T*/%:66CA[>1+D P$Q2D.H !RQ&>N1M%=YX>O[O4] LKZ^MUM[F>
M,.\29PN>F,\XQ@\^M<MK?AC6KG6/%1LX[22SUW21:B228J\,J1R*H*[3E27'
M.>,=#0 _0?&.HJ?#UIJNAS6MOJD2QVMX]TLCNXBW_O$ RNX*2.3[XI)/B+(+
M*?68M$DD\.P2M&]^+E1(55MK2+#C)0$'N#@9Q6A>^';VX_X1#8T/_$HN%DN<
ML>0('C^7CGEAZ<5QL/PRNK"TDT>W\->&;H><QAUF[C#RI$S[OGB*?.X!('S8
M/% 'K0=6C#A@4(R&SQCUKCK#QO?ZDEKJ-MX:NI="NIQ#%>1RAI2I;:)3"!D1
MY[YR!SBNO$""V$&T>7LV8 QQC%<-HNC^,=&TJP\-VQL(K&SE51JHEW2/;JV=
MGDE,!RORDY(')'- $LWC^Z^QWNL6GAZ:Y\/V4DB2WRW"K(RQDK)(D6/F52&Y
MW G!XJQ<>-+V?7+O2M"T%M3DM[>&Y,QNUAC9) 2O)!.3C@8YYR1BLG_A&?%5
MCX;U#PA81:<^F733I#J,L[!X(9F8L&BV_,XWL 0P!XSBM[P]X:FT3Q+JMT&0
MV4UG96UO\V7_ '*NIW#'^T/UH P)O&NIZMJW@BYT>S<6&J&=IH9)E0LRQL&1
MN#]P@M[D"KL?Q%<Q:O?SZ%-#HNE37%O/>_:%+-+$Y4*D>,MN.WGC!..V:I6'
M@_7M(TWP@T$=E<7>C7%RT\+3E%9)MXRK;3R P.,<U>7P1=77@G7]"N;B.&;4
M-0N;N"5,L$W3>;&2..X7(H NVGBW4(]6T^RUW0'TM=2)2TE%TLP\P*6\N3 &
MQB <=1P1FN3\*ZO>N? 3W6H7#)-%JC7!DF8B0(WRE\GG:.F>E='_ &7XE\0:
MSHLVNVFGV-II,YNF%M<M,US,$9%(!5=B#<QYR>@]ZH:/X$U&V@\+P7C0&/3H
M=0BN_+D.2)S\NWCGCKTH MP_$25[2VUB;0Y(?#US*D<=\;E3(%=@J2-%C(0D
MCN2 <XJ[8^*;S7/$.H:/!H,C6%G<O:7=\UTJJIV!AM7&YLY ..F1SZ<EIOPW
MN[*VLM);PUX7;[-(@?6GB5Y98E.<^44_UA P26(SDUW/AK1KG1[KQ!+=-%MO
M]3>[BV-G"&.->>.#E30!#X)U">XTV^TV[E::ZTB]DL&E<Y:5%PT;GW*,N3W(
M-=*3@$\\>@S7GN@7=]:Z;J'B"RMDG_MS7E:)')!-J62%7  Z[4+^F#FN^N8Y
M);6:.&7RI71E20#.PD<''M0!QLGCO4;1K"ZU#PS-9:9?726T<LURHN$+MM5G
MA(R!G&1N)&>E-N_'VH(VN26/AF6[M=$G>.[F-VD>0JAB4!&68*<XX[<G-<Q'
M\.=9;3M.A;1=&CU*SNH)[G59+III[S9(&8J63*;L$G)]L<Y'86WAF_AT?QE:
M,T/F:Q=7,UMAC@+)"B+NXX.5/K0!H:?XKMK_ %S^SO):))-.BU*VG=N)HF.&
MX_A*G;GK]X5;\-ZT/$6A6^K);-;PW)9H5=LEH]Q"OTXW !L>AKS[QII$J:/X
M2T>TOX8?$(C73&2-\LT$L)29@.NU=F\-_L5ZA:6L-C9P6EN@2""-8XT'1548
M _(4 <])XTM;:Q\2W%Y;M ^A2,LL1?)E78'C9>/XP0 /7BLL^+[;2K[7[Z_M
M+Z.>VL[&26U\_P Q?,EWA8XTP &W?*3WXZ8J3Q)X+NM8\86%_;S1)IDWEC5H
M6)S,('\R' Z'YB0<]JBUWP1?ZOJ7B2XCN((3?1V+V3L2=LMN[/\ .,?=)*CC
M/!- %\^,KS3([N7Q)H$^F6\%HUV)XIA<QE5QE"P VR<C Z'G!XI+'QE>?VCI
MUMK.A-IL6IL4M)1=+-^\VE@DB@#8Q .,;AD8S5/5-$\4>,=.OM.UC['I-A-9
M/!Y-O+]H,LQ(*R%BB[57'"CDY.>U4=%\%7*:OITMQX4\,:7':$M<7-H@DDN&
MVX'EC8OEC/)))/;WH Z_Q3XAC\,>'+K6'MWNEMRF88CAFW.J<>_S5F0^,+RW
MU)+#6M#;3I;FVEN+0K<K,)?+&YD8@#:X!!QR.N#Q7/\ CGPEHGAKX?:Q-H.F
MV]C<2FV4N@)SBXC(SSTS6K+HGB'Q!K5K?ZS;6-BFG6UQ';Q6]PTWG32IL+DE
M5VH!G Y///2@"&S^(US/X?@UF?PY/!!?F&/3(_M2,]W+)GY<<; ,$[B?N\X[
M5:?Q]_9J:G'KNE/97=C8MJ B@G%PL\*G!VL /F!P""!C(/2J-_X#NK_X<^'=
M&E2QFO\ 1_L\ODW +6\[QH49&XSM(+<X].*;I?A#489-3N[+0_#OAZ62R-O:
MQV\*SDR$Y+2/L7Y#@#: ?7VH UK'Q/J&H6\_V[0VMK62RDN(KNSO5N(V '*E
MU V/@Y'4<'GBJ.E^,)I--T+3M#TFXU*[FTJ*^D6ZO0ODPL %WRD$LY(/;G!)
MQ6=I7@C48];>_AT?3?#\9LYX;B"PNV>.\D=0%)3:JHJG)SC/-6=*\+^(?"YT
MB^TZWLKZX31X--OK62X,0W1<K(C[3D99@00.,4 5O#?C.XM- N9KBTN[K4K_
M %^[MK.PEF =3O9MC,20JHH.<9 QQ6M<?$$Z;IVM-JFDM;:AI5LMV]JEP)$F
MB8D!DD '<$'(&#6'+\.]6N]%AEU&#2;[4[?6;C43:39-M<)+G<A)4E3SD$@X
M(%/E\!7]WX>\1P6^B:#HLNH6@MK6VLU!(YRS22A!G)Q@ 8&* .@MO&&I'6;3
M3K_P[)9-J$$LNGLUTKF1D7<4D '[ML'U84GPUU?5M:\(QW>KQ_OC/.%E,H8R
M 3..@ V[<;1["K^J:)=7GBOPUJ41C\C3?M'GAF(8^9%M7:,<\U#X&TG5- T2
M32=1BMPEO<3-;S0REO-1Y'?+*5&TC=C&30 _5?$]W#KQT31M(.IWT< N;C?<
M"".%&)"@L0<L2#@ =LUQWBSQ1?>(M'T.'3["ZA6XUD6.H6XO?L\JRH'W0%UY
MP<9W ] /6NGU#2M;TOQ=<Z_HEM:WT=]:QV]U:SW!@96C+;'5MK C#D$$>AK-
MMO!.J1VNF2SS6KWQ\0G6;_82(UW*ZE(\C)P"HYQG!- '92"73]#*V<!DE@M\
M11/,2257@%VR3TZG->5Z9XH\1S:;\/;Z:WN+J[NVN T,=T!]L!@)#OT"@$DX
M(.-N1G@5[ Z[XV3.-P(KSSPWX1UZRC\'PZA'91CP^]Q&[PSE_.C:$HK@%1@Y
M/([ 9SVH TE^("6NG:Q)JVE2VFH:7-%!)9Q2K-YKR@>4(VX!W;AU QSFKFE^
M*KN778-'UG2!IMU=0O-:F.Z6X24)C>I( PP# XQC'0UB>(/ -WKD_BAF>T O
MYK*XLQ,"Z%X%&5E7'W21COP?PJ;PUX4GM/$<.I/X8\/Z'#;PLFVR599I9&XS
MOV+L4#/'4YYH U?'NLWNB^&2^FNL=_=W$-E;R,N1&\KA=V.^ 2?J!5"?P#-:
MP1W6C:_JT6LQLK&ZO+V6:.?!&Y9(R=I4C/W0,<8K<\5Z OB;P]<:;YYMYB4E
M@G R8I48,C8[X('X9KG[N#Q_K5DNDW$6FZ2KE5N=4LKQWD* \^2FP%6/3);C
M- &A>^+-0;6;[3=#T%M4?3@GVR1KI8%5V7<(TR#N;:0>P&1S5-OB&+PZ&FBZ
M1/?S:Q;S2PH\JP^48BH=9"0<8)8$C/*X .:<=)\1>']>U>ZT*TL=0M=59)BM
MU=-"UO,J!"2=K;U(53V.<U!H'@B]T/4?#<C7$,Z:?:7B74@RI>:>19"5']W(
M;\,4 5S\2[U-)N]4D\+SI::9<-;:FYNTS"ZMM;RQC]X "#GY>O'>M6Z\7ZFW
MB/5-&TCPZU_+IR1/+*]VL*$.NX 9!RW7CIQR16?>>#-4G\$^+=(1K?[3JU_<
M7%N2YVA792NXXX/!]:JV]QXAM_B/XO&BV-C>(4LPRW-PT)C?RCALA6W+UR.#
MTQ0!NIXRGU+2]*N] T2YOVU"-Y/WK^1';[#AEDDP0&W9  !S@]A5#_A8XCT*
M:]ET:8WEOJJ:5-9PSJY\UMN"C\!@=RXSC\*R9?A]J5G;:%;M;VFO65I!,+JQ
MN+AH(VN))/,,P&U@P!++AAP#2Z=X UBUL9K<PZ7;A_$5MJJ16A*Q1PIY>Y%&
MT<C80.!GKQG% &U)XYU"S;5K;4?#CP:A86']HQV\5VLJSP@D-A@HPPP>,?C6
MP?%%M+J>AV5G&;G^UH'NED5L"*!5!WGZED4?7VJ"XTF2+QU)X@N)+=--72#:
M2&1\$-YN\DYXVX[YKF_A9H_E2ZIJ/VE;JSMY7TO2I0<C[)'([9![C<VW/?RQ
M0!T_C.^BT_1(9IA<E6OK6,?9IS$V6F51DC^')Y'<9%9%YX\U%)]<&G^&I;R#
M1962ZF-VL8*A YV @EFP3QQVYYQ6QXQT6ZU[18;2T,8D2]MISYC8&V.57;MU
MPIJE:>&[Z"S\8Q.T.[6+F66VPQX#0)&-W''*GUXH Z33KZ'4],M;^WW>1=0I
M-'N&#M8 C/X&K-9OAVPFTKPSI6G7!4SVMG#!(4.1N5 IP?3(K2H **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** $9@JEF( '4FLO4==AT[6-'TYXG=]4EDCC=2,)LC:0D_
M@N*YGQ-;6>J?$;0]+UQ(Y=(>QN)H;>?_ %4]R&088'AB$+$ ^YKG+O2/#=]K
MWAG1=.>6YTI-:O8Y(68^6C"W9FB0\9CSQ@9'+#VH ]=5E90RD$'H0:175\[6
M#8.#@YQ7D-^-,\-GQUI<5M/%I1FT]8K*SF\A1),,, W2-6(&X^F:AMK3^QOB
M MI'IVC:2T^B79FL]*F9P0-I0R951G[V#CUYH ]EW*21D9'7GI0K*P!4@@]"
M#7BMMH6E:;\.?!]RT0BMM6FLEUJZ:0@RQ%&*K(V>$WE%[#&!TI^L)8:%XF\4
M#P;Y44T/AAY##9-\D,GF=54<*VW!P/8]Z /9PRL2 P)'4 ]*88(3<"Y,4?GA
M"@EVC<%)R1GKC(!Q[5X]HVEMIVI^$[RQ_P"$;T]KB90)K&[FEGU"(H2ZN/+^
M?CYMS'@@<BNP^([(UOH-I>2&/2+K58X=0.\JK1E7*HY[*SA0?R[T =9>7T%C
MIUQ?RMF"WB:5RG/RJ"3C\JH>&M9N=?T:+4I],ET])P'@265'9XV4,KG:3C.>
MAY&*\[UO2='L]=\1:-I-K;KI3^');J]LXE'DQW"L/)?:.%<@,>,9V@UW7@>R
MM-.\"Z,MI;QP1O90S.L:XW.T:EFX[DT =#O7?LW#=C.,\TM?/VJFVD\(0>)[
M'2].M!/?QRVVIW5Z9-2F8SC/W4 '&<KN.%'2O5OB8<?#3Q$<D?Z$_(^E '5!
ME)(!!(Z@'I534;V2RM&E@M)+R4,@\F(@-AF )Y/0 D_0&O/A8:)I'B7P9-X7
M\D7%\[BY>!\M=6WDLS22G^,AMAW'G)KF;#0=-L_@M::S%;C^T[J:V2:Z8DNR
M_;4PN?0!5 'M0![D65<98#)P,GO0S*B[F8*/4G%>5_\ ",Z1KFJ_$*XU.S2Z
MDAN,0&4D^2?LL9W)_=;..1SP/2H=$CM?$FL>%[7Q,$O+0^&(+FWANSNCFN"0
M)7(/#.%V]<X#$T >H37<L6HVELEG+)%.LA>X4C9#MQ@-SGYLG&/0U:W*6V[A
MNQG&>:\HB&DQ^(?#-OH5U/<:=#%K$4;2L6"X\O*H2.44Y"GG@=36/I=CHEE\
M,O">LZ,8CXC>XLTBN$?,TLAD598F/4J$WC:> %'I0![>756"E@">@)ZUF1ZY
M#)XIGT$1.)H;-+PR<;2K.R >N<H?SKR+Q3'9:KI?C#5X=(TUDMI[B%M3U6\)
MN4EC&T+ BI\@# ;1N&>N.:[#PO,]QX_2>5R\DGA>Q=F)R6)DD)- '62:[!%X
MICT)HW$KV3WOFDC:%5U3'URPK5S7G7B+3=&U7XO:5:ZTD,T1T>8Q03GY)7$J
M\%3PV!DX/IGM7.P2Q6L=A%;S :)9^-5BLI"^42+R6RJL?X!(S =NU 'L]07%
MP8K.>>&,W#QHS+%&1ER!G:.V3TKR[Q)<65_XF\:P_P!LI91+HUI#+=IEQ"QE
MDX;;S@[@#Z!C5**./1'UO3)]#TW3[RZ\/W,B3:+<DVLR(OWFB(!5OF&&.<\C
M- 'K]O.9;.&>:)K=GC5VCD(S&2,E3VR.E2D@#)(QZUY/HVAZ=K_BW1X-5M4O
M+>/PC9N()OFC+;V 8KT) )QGIFL(B[?2_#NAH+6721K>HVQ@U"=TMW\MV\B)
MV )(^]A3P2H% 'NH8,H8$$'H10K*XRK!AZ@YKQE].-MIGBW2I=6T;2+-FM ;
M6Q>:6WM9F?E6^10B2 *K!3QU.,\O2.UTQ/$FBWEI9^&KF?1_.DO-'F:2T\L-
ML$AB #(V6Z]2N>>* /8U97SM8'!P<&EKR[PA#%H7C6SL)]$TNSNKVQD,5SHE
MR3;W"(5.Z2(@$'D8<D]2,UO>))D@^)/@QY9%C1DOD#,< L8X\#Z\'\J .SS4
M,\YCMII8HS.\:L1&A&6('W1[FO&];E@U2'QAY%P7AE\2:=%YL,F"/]0K88="
M"#R.XK7U/1]/\.^+M3M-'M([*VNO"]U+-#"-J.Z.H5R/[V&(SUYH [VVU^";
M5+/2Y8)H+^YL3>F%P#Y2@JI5B#C<"^./0UK5Y+X9T[3&\9^#KFXMK8W#>%(Y
M$D=1N,JF$*03_$%)'TKU6WN;>[A$UM/%-$20'C<,N0<$9'H010!!JNHQ:3I5
MY?R@NMK;R3E%(W,$4L0/RJOINL/J3VS)8SI;7%E'=K<,5VY?_EGUSN P?3FO
M+[[3]#U/P_X^U+Q!Y)UBUNKN-)Y7Q+;1JO[A8^ZJ5Q@#[VX]:M6VCIXAU-=(
MD;:+KP5:HK_W'\QMK?4, ?PH ]7F<Q0NZH9&520B]6('05#9W37&GVUS<0/:
M231JS02D;HV(SM..,CIQ7F&DZI/XUG-_=(RG0-(EAN$/&-0D5DD'_ 50_P#?
MRLJUTH:K8>%VB31M6GA\-VV_1]6+(%0C_71/@J&/W2<<;1R* /59+"PA\1VT
MZ:! ]S,CL^HK#&&B*XP&;[V6R<8]#6N&4L5##<.HSR*\>L]3:Z'A.[T6"YBD
MCT754MH9Y?.<21[% W_QC<O![C%1-8Z'8^ /#>OZ,T9\2SSV9CNT?-Q=3.Z"
M9)#G+#!DRIX&/:@#V8LH(!8 DX&3UI:\=E\-Z3J>A?$;5+VT6>]MKZ]-M,Y)
M:W*1*ZF/^Z=W.1UXS7IF@:@EQHVE)/=(U[-8Q3LC.-[ JN6QUQD]?>@#5) !
M)( '4F@$$ @@@]"*X;QM';7WB[PKIFK%3HMRUR98I#B*:=54Q(_8]7(4]2*X
MSQ';VUI8^-M'T9S%HT4NF%8[=\);W#SKYBQX^Z<!"0.A]* /; P89!!'M6#H
M'B5_$%[J"PZ9-#86L\ENEY)*F)I$;:P" [@,@\GKBKNE^'])T73'TW3K&*WL
MW+%X5&0Q(P2<]<@5Y'I^G:;I&@:?=V]M;V@_X339-*JA!Y:3RJ@8^@S@>F:
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M+6VL;0V0U^XDB=+=H0QE50A^8MNW-P01CB@#V<L%!+$ #N:6O&=.TF'Q!<>
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M$(1SR.N>>E2-XN\41Z[#HDGAJS6^O+=KFU/]H$QHBD!A*?+R",K]T,"3U[T
M=-;>&]#L[9[:VT:PA@DB,#QI;(%:,DDH1CE22>#ZFKKV-I(]L[VL+-;',!,8
M)B.-N5_N\$CCL:X>'Q6FL/X<DO=,:&].LSV$D:71VP31)*&.0!YBG:< @=<]
MJ@\*ZSJMIX(LOL-B+^YGO[U&FNK@QPP*L\OS2/AB!P   <^U '9CPYH@U?\
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MLD *F12K&/U&>U<1_P +-D?3&U"'1 \,]\+'3PU\BM<OO9"S#'[M1L)R<]J
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MZT?4]+ETO5K>)9S \BRI)$3@.CKP1D8/ (-;L=U;S221Q3Q.\?#JK@E?J.U
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M\#3:%J/AZ5+M)XM-LKJ&=V!5Y99I%D+ = -P;OW'6FR>%-;@BUMK*YTYVO\
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MM:AX!NKF[UJYMKN""2:ZL;O3F(+"*2V0*!(.,@D$<'H:[IW2)&>1U1%&2S'
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M#L\2DMM.5R<<X/(]* /*]6T+2+'6?B";32K&W-OX=1H?*MT3RRT=P&*X'&0
M#CK5#6O^0;XD_P"Q)M/_ &K7LKV=K(TS/;0LTZ>7*6C!,B\_*WJ.3P?4TUM.
ML75U>RMV#Q"%P8E.Z,=$/'*\GCIS0!Y?J<EAJ/B?48FT[0GDL+"V2YNM?F+(
MB,A8>3%CIS\S9&3QVK'\.1:;<Z9\+[K4X[21/-O8?-N47&%$OEKEO0@;0>A
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M],F@^&<-M%:M%+97:W2PA<-(;= ^_'\7KGFO6++2-,TX*+'3K2U"@JOD0JF
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M,L8^5QM((8$M]0>V*CTWP)?VL&EBZU.*XGM-;FU6:41%?-\Q9!@#/!R^?PH
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M$2/OVX)RVYL[NG'%26/@[5AXCT35;F71[6'3/. LM.M6C1A)&5+;B>O3 Q@
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444    P!BBB
MB@ HHHH **** "D(!&" 1[TM% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %(0"02 <=*6B@ HHHH **** "BBB@ HHHH
M*, 9XZT44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 (2%!)( '))I$=9$#HP93T(.0:X?XGE7TO1[8QF
M\\W5(MVF+G=?H Q:/TP.'.["_+R:K_#P1V_B3Q/;1V#:+$7@DBT9@ 81M(,H
M"Y3#G^X2/DYY- 'H5%%% #6=4^\P'!/)[#J:8]S!&Q5YHU8=07 -8'B'PK)K
MM[]H35)+7%NL(185< B9)=WS>NS:1T(/.<"O/[BWT>;XE^,3J?@R[U]Q/:[)
M(+2.81#[.G!+,,9H ]A6:)]NV1&W9QA@<T^N%B.G:;KO@VSL/#\-A%<B\>.*
M6+9):GRPS !3M!/?K698>.?%4OAK2?%%W9Z2NEW=Q%!+;1^9YP5Y1%Y@8G;U
M(.W!X[T >FT5Y[XJ\::KHEWJ.V^\.:?':KFWMK^8O<7@V[B55'&P$Y49!/&:
ME3Q=K^M:OIEAH=MIT OM%BU5IKT._D[VQMPI&[J.X[GVH [VD9E7&Y@,G R>
M]>?V_CK5[S3-/LX;*R'B"[U*XTY@S,;=&@W&23^\5PO"Y!R>M.UG4=;M;:SA
M\0Z7IMP5UNRBM[F+<(I [CYU0L61T/J2#QUH [^DW*6*[AN R1GFO-O%/CW5
MM ?4YFO/#=J+-F,.FW,Y>ZND49W#8_R%N< J?>M31+@7?Q0U6Y52JS:+92 '
ML"\IH [)[B&)MLDT:'KAF IZNKJ&1@RGH0<BO)O$B:2WQ:OCJWABXUZ,:/;E
M(X+);@Q'S),G!/&:;X5U*PTH>)?&6D:6^F^%H[( 6.Y5:6YC+;F$:DB,XPF#
M@]\4 >N45YCI'Q,EEU;1X+W4_#MY'JDRP?9],F9IK1V!*[LL0ZY&TD!<$CK4
ML7C3Q6?#%WXI>RTK^R[*>99+91)YTT,<K(SJV[:I 4_*0<X/(R  #TFBN+/B
M'Q#KNKZG;^&4TM+332D;S7RR,;B5D#[5"D;  R_,<\GI6:GCO7=<?P_!H%C8
M0SZI:W$LOVXNRV[PNJ,/D(+#.X=NQ]10!Z*S*BEF8*HZDG I:\=N[_6+2R^(
MEQJZ:=J%O;SPJULR2;"VR' 'S<)@YQ_>Y]JZRXU[Q3?^*-=TC1(=)CCTM86$
MUXLC&0R1[MF%(QR#\W;C@T =M17 6/C?5O$D6@VVAVUE;WVH:<=1N9+P-)'!
M&&"8"J5+$L3CD8 K9\'Z[JFLG68-7MK6"ZTV_-IBV+%7 C1MW//.[/L,#WH
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MDQC+*V<*<=B#D@GC.*WI]>\0ZEX@U:R\/P:;]GTDI',;S>6N)60/L0J0$ !
MW$-R>E '7JRNH96#*>A!R#2UQGPR9H?A3H38^9+/.#Z@FLJP\:^)U\+Z3XKU
M2TTM-)NVA6>W@$GG1)(P02ABQ!&6!VXZ'[V: /2**\_7QGKBW/B+4)K?3H]
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M>WL;?3]1N+,RR2A4VQOM#$G@$UI66OZ/J6G2:A9:I9W%E%GS)XYE*)CD[CG
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M:1X@75TOM:UJWFCAB:..UL;8PQN3C,DFYV+-QP. ,FG:QX?O+WQ/HNMV-]%
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M =%!( 'O7H>E:_H^N)*^DZI9WRPG$AMYE?8??!XJ"U\4:'J4MS;Z9K.G7=U
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MQR?V='.;HP1[1;6YA*B*3CY27VX0\@KG'%8MCI]O:_!#PR\%K''+)=V+2,J
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M:\XP1DG'%95S?Z)#\)K7P]=H@\1VUW%Y]JT>9TG%PI>5N,X(R=_0A@,\U[J
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MK,T>6TU35/"5O:>(X;N:RG62.SL-)$4MJ@0AUF;S,QI@[2",DXX->RT@ !)
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MI-<+D,OEMN0''4\?+U;'0XKU.LJST*"S\0:IJZR.\NHK KHP&U/*# 8^NXT
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MQ-'-\LF2N2/F7CD$@;N0>* *R>-/$>M#PS::6MA9WNIB]CO'GC:5()+=E4E
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M!UJ:.R^)EPLJO&M[X=:WMR(V*O(LDC%00, X.>?6LSP18M_;_@Z2>V;,'A'
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M9U.\M;>6(@P0LCM%E?X?4#MD5H3:<!I/Q786G[R<S!3Y?,G^B*1CU^8G\2:
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MSVKTK1;]M5T'3M19 C7=K%.4'12RAL?K0!-<7UI:1/+<W4$,:.L;/)(%"LQ
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M8O;![C3VM'9RS*4VD+O7@$$ 9Y&: /4:*X#P9XFN-3UU[*;Q$EZ?LY>6SO+
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MLLD 94@"R8.WC)&T'WQCO0!VWA_0(?#]I/&ES<7=Q<S&>YNKD@R32$ 9.
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MXSF@#T6BLWP]>3:CX9TJ^N"#/<V<,TA P"S(">/J:TJ "BBB@ HHHH ****
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M@=&#*PR"#D$5P.C^.CJ?BK7C-J=I::+I.5,<MK(K. BEI&E8A5PS8VXR?UH
MZ3Q+X=3Q#;V8%Y+9W5C=+=VUQ$JMLD4$<JP(888\5DCP"D]]J%]J&MZC=75_
M8_8II 5B**&W*8]@&S!^O7G-:-CXRT76$NH],O1)=0P&<0RQ/$Q7'#!7 ++G
MN.*QO#/C'4-7OO#T5VELD>H:"VI3E%(VR!XQQD\+ASU_.@#3T[PG/#K=KJ^K
M:W<ZK=6<3PVOF0QQ",/C<3L W,0H&3Q[5=\2^'H_$=C;PM=2VD]K=1W=M/$
M3'*F=IPP((Y/!JOI_CCPWJFH1V-GJB23REA#F-U28CKY;D!7_P" DU9/BO0Q
MIMCJ)U&(6E_.MM;2D$"24D@+C&0<J1SZ4 4=+\)267B8^(;S6;N_OVM#:/YJ
M(D>S>&&U5 VX(/KG)S6AX@T&'Q#96]K/-)$L-W#= IC):-PP'/8XJMK'B*WM
MKI+*VU&TANX[NUBN$GC=AME;"J-O1V ..P[U#>_$#PMI]S-;W.K1I)!(8IP(
MG80L#CYR%(49[G H Z-UWHR'HP(KFM"\%6FA7&DS0W4\ATW3GT^,.!\Z,RMN
M.._R#\ZNZOXLT/0YH8=0OPDLR&1(XXWE8H.KD("0O^T>*NZ5J^GZY8B^TRZC
MNK5G9%EC^Z2I(./7D'F@#G+KP!;RB66WU*YMKS^UFU:&=55O*E9 A7:1AEQZ
M\\]:CE^'J7;ZQ-?:U>W5SJVGFPN)'5 %7)P44 !<9/'/J>:V+W6)_P#A+-/T
M*SV;VA>\O'89V0@[5 ]V<]?1&J"3Q[X9BU#[$^J*)!-]G+^4YB$F<;#+MV Y
MXQGK0!:NO#L%W?:'=--(&TAV>)0!B3=$8_F_!L\5BP_#Y((XM/76K[^P(;@7
M$>E[4V@A]X3S,;C&&YVY]LXK2U3QSX;T:\GL[[4ECN;?'G1)$\C1@J&W$*IP
MN"#GIS5C4/%FAZ99V=U<Z@GE7HW6ODJTK3#&<HJ DC!!R!QF@#&E^'\*F&XL
MM4N;6^M]2N=0@N B/M:<G>A4C!7!QZ^]1R_#F&ZAUT7FLWUS-K4,,=U-(J @
MQ,2I4  *,'&,=O7)K0\&^)CXHBUBX22"2VMM2>VMI(00'C"(P)R>N6/I]*T=
M9\2:3H!A74;KRY)\^5$D;RR/CJ0B L0,C)Q0!JUCZ!X>MM T5M+C=KB%I9I6
M\T#GS'9R".F/F(J$^-/#@T:'6&U:!;"68P+,V0/, )*D$94_*>"!3+?QSX;N
M;"]O8]3406)7[5YD4B-$&.%+*RA@#ZXQ0!FP_#NUM='M]/M-4O8#87CW6F3K
MM+V>[.8QD$,F"1AL\'Z5F^+?"5^O@;Q*3?7^M:M?P)&,H  JL,+'&@P.I)[F
MNZGU.SMKZSLIIU6YO-_V>/!)?:-S=.P'<^HINJZQI^AV8O-3NX[6V\Q8_-DX
M4,QP,GMSWZ4 8EEX.*:K;W^K:Q=ZLUG&\5G'<HBK$'&UF.T#>Y7C<>Q/'-4H
MOAVB6UOI4NN7\WA^VE66+3'5,85MRHTF-S("!A2>PY.*MCXC^$S'*XU7YHB
MT7V>7S>1D$1[=Q7 SN Q[UH7/BW0;32;35)=2C-I>8^S-&K2--D9PBJ"S'V
MXH 73_#EMIZZTHEDD75KI[F4-@;2R*A ]L+^M9>D>!DTPZ)YNK75W_8T4T%K
MYB(O[J144*=H&=H08/4YYK4C\6Z#)H<FLKJ<(T^)MDDK94H^<;"I&X-D@;2,
M\CBF:=XPT'5?M?V;4 K6<?FW"SQO T:<_.1( =O!YZ4 4T\$VB>$=+\.BZG,
M&G2P2I+@;F,3AP#VY(Q7%^)+"\6?Q)86-IXFM6U%Y"+.RA66UO'9 !)YQ3]R
M&.-XW#H?6N^TOQGH&LW+6]E?[YA$9@DD,D9>,=67>HW#W&:MCQ%I)TNRU,7J
M?8[YXX[:7:<2-(<(!QGDGO0 _0;&32_#NF:?*09+6TB@<CH2J!3_ "K"O? -
MC>Z+K6G->7*?VIJ']H^>F \$OR8*'V\L?F:T(_&?AZ76VT:/4XVOT9U>((WR
M% 2VYL87@'J><'%-TSQKX=UB_2RL=226>0,8@8W19@O4QLP ?'^R30 U?!VG
M+J%C<#=Y%GICZ8EL0-C1-MSGOT0#\:H6/@6:S^P6K^(]2GTC3Y%DMK%MBXV_
M<5Y% 9U7T)[#.:T(O&_AR?5%TZ/4U-P\Q@0^6XC>0<%%DQL+9!& <UODA022
M !R2: .(G^'/FZ=J>D1^(+^#1M0DEE>TC2/*M(26'F%=VW<<X_#.*O3^$+Q9
M_.TWQ'?6#26T=M<((XY4D"# =5<'8V">G!XXK/U+XD:6]YI%KH=]!<RW>IQ6
MK[XG"O$Q(=HV( ;!QRI(&:VK[QOX<TW49+"[U2..>)E64['9(F/0.X&U#R/O
M$4 9W_"OX;%=);0M5N]*GTVT-DDJHDOFPDAB&#@C.X9R,<YI]CX L[&VLH1?
MW<IM=7;5O,E*EY)65E(8XZ'>3]:TM2\8Z!I.J1Z9>ZBD=[)Y>V ([,0Y(4X4
M'C(//0=\9%1Z!XCMK]+>VGU&TN+Z?[0\?V>-T1TCE*'&[NOR@\]<D<4 1ZGX
M4EN-;DUG2=8N=)OIX5AN3%&DJ3*N=I*N"-PR<$=CCFK%CX=;3;#3;2UU6^"6
MDQEF>5Q(]UG)(D)'0DYXQC  XJ2Z\5:'907L]QJ,4<=E,+>=B#\LI (0<?,V
M&' R>:2Q\5Z'J-A=WMOJ$8@LQFY,RM$T QG+JX!7CGD4 ;-9/B'08?$-C!:S
MS21+#=0W0*8R6C<,!SV)%8$7C^RU3Q?H>E:/<1SP7B7#W DADCD4(@*,H8#Y
M2=W."#CBM7QKXC'A3PCJ&KA0\T,3>0C*S*TF#M!QT'Y?6@#?==Z,I[C%<SHO
M@FTT2;19(;J>0Z3826,8<#YU=E)8X[_(/SJCIWCO2]/TRS37]>MYK^Y02IY-
ME+$65F91B/YFP"K#/MGC-:ESXY\-6FI/83ZK&DT<@AD;8YCCD/16D V*WL2#
M0!1O/ -M<+<20ZC<V]V^K_VO#.JJWE3; F-I&&7 /!]:C?X?K=3ZK<W^MWMW
M=:IIKZ=/(Z(H5"3@HJ@!<9/'/7)K4U;QMX=T2[FM-0U)8[F%0\D2Q/(RJ1G<
M0JD[<=3T'>DM/&_AN_U.#3K758IKBX_U.Q6*2'&<*^-I..P.: )KGPW!<RZ#
M(T\@.CR>9$ !^\/E-'\WX-GBL9/A\D<:Z<FM7RZ MQ]H&EA4V@[]^SS,;O+W
M<[<^V<5T>N:K'H>A7VJ2J62UA:3: 3N(' X!/)P,XXKC(_B9;^;X7N+F2&"Q
MU2PFFN,PR%Q,HBPD8ZMR[= <XXH TI_A_ 2L]IJ=S:WT6J3ZG!<!$?8\P(="
MI&"N"1Z^]13_  YBO(]<-[K5]<SZS:QV]U*ZH,;"2"@  48.,?CUR:W(/%N@
MW&A3:W'J<(TZ%BDLSY3RV!P592 0V2.",\CUJ31O$ND:^TR:==^9+#@R121O
M%(@/0E' ;!['&* -4#"@>E9&@>'K;0-'?38Y&N(7FFF;S0.?,=G(QZ?,169\
M0/%4GA70$FMFC6]N9XX(6EA>1$W.H9B%ZX!)QD9]Z4^-=&T>TM8-8UF.:]:W
M6>5X;2080\AV0!C$#_M&@"M#\.[2UT>#3[74[V#[#>-=Z9.NTO9;LYC7((9,
M,PPV>#]*SO%OA/4%\#>)F-_?ZUJU_;+& 4  53PL<:# ZDGJ36QJ?BF:'Q!9
M6MB]M-97.DW-^LH^;<T>S800<;2'/Z4:?XWT^'PIH.I:W=1PW>IV<<XA@B=V
M=B@9MJ*&; S[X]: )++P:5U2WOM6UB[U;['&\5G'<HBK$'&UF;:!O8K\NX]B
M>.:I0_#Q$MK;2YM<OY] M95EATQU3'RMN1&DQN9%(& 3V&2<5O6?B?1=0^P?
M9-1BF_M#S!;;<_O"@RXZ<$#J#@]?2D_X2G1/L6IWG]HQ?9],E:&\< _N77&5
M/')Y'3- !IWAVWT\ZSB621=5NFN90V!M+(J$#VPOZUE:/X&32CH?F:K=78T9
M)HK7S$1<12(J!#M SM"\'J<\U93Q786*:G<:MJUE';6^H?9$94=/*)16"2$_
MQ<DY'&"*LZ7XNT+65NS9:@A^QKON%E1H3&N"=Q#@';@'GI0!23P1:)X.TWPV
M+N<V]C+#(DN!N8QR"0 ]N2,5Q7B33[P2^)=/L;3Q-:MJ+R$6=E"LEK>.Z "3
MSBG[H,<;QN'0^M=U8>//#.IWMO9VFJ*]Q<MM@1HI$,W!.4W*-RX4_,./?D4V
MR\3I;/K]OK<L<+Z._F23*IVM;.-T;X&3G&5/NA/>@#5T*QDTSP]INGRD&2UM
M8H6(Z$J@4_RK0ID4J3PI-$VZ.10RMZ@\@T^@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH XCQ;HYUGQMX=MYK>22QDLM1@N'5"54.D:@$] 3SCZ5Q%UINO:MX&URXU/3
M[HW^GVMOHUNGE,6F\N96EE4=2'PG(_N5[--?VEO>VUG-<1I<W6\P1,V&DVC+
M8'? (S1-?VEO>6UG-<1I<W6[R(F;#2;1EL#O@<T >7ZE!=:)X[\1W=[JNO:=
M!J)AEM9=.L4N4G"QA#&28G*L"#@' (.:@@COO#UEX8LMFH:/9"SG8Z@^GI>7
M<3O)N$!*H1&"#G[O\(':O7ZKP7UK<W-S;P7$<DUJP2=%;)C) 8 ^F00?QH \
M?L;!SH.N/J5EXC9/^$B2[CO%BV7D*F) MSL"?-WRH7@$Y'!J2Z77=6\*^*(H
MA<ZQ;(;.6VOI-.^S7-T8Y0[IMPIDVJO!P.21S7K,^IV-M=&VGNHHYQ UP8V;
M!$2D!GQZ D<U-;7,-Y:PW5M*LL$R"2.1#D.I&00?0B@#SNYU0>)/'.GWFG6.
MH&RATB]C-Q-9R1*9&\OY!O .>/3![9P<9UYH>HGX0^#%MX+V%]-EM+J[BMH0
M9T55.XK&P.YE9@V"#TKUJB@#R6&PBUF^UF^'_"1>(85T:2T=[N%+19P[!O)0
M>4C,_!.>@SCJ:M^$[F^/BO3;>QOM3U;2UMY1.^KZ:8IK#@;5$Q12Q8@ KSP,
MUZ?6#J/C;PQI.H?8+_7;"WN@0&BDF *9Z;O[OXXH H_$:VGN_![16T,DTGVV
MS;9&I8X%Q&2<#T )_"L[3M/F63XAL]I(#=7#",F,_OE^RH!M_O#.1QWS7=HZ
MR(KHP9& *LIR"/44Z@#RGP\\GA:^T+5=8L[U;2;PS:6:S):R2FWE3YFC=5!9
M<[AU'5<=JM007.J>)M%NX/#[Z5;S6.I@1&/;C>\>QY   CORVT\\GKS7IE%
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MKWP,X'KBNC_X5Q8^1_9W]JZD=!\[SO[(WIY&=V[;NV[]F>=N[%7[SP1I=_\
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M ;*E2#EQ@KT'XT $WB;5M.LM?TJ^UVUBNM,O;>%=4GM\L\4RJX B08>8 L
M,'@XJC:>+M8M[OQ#9IJ>HWD,&A2ZC:W&I:<MM*DB$CA=B;DZ'E>V*ZB3X?6$
MFEF W]^;\WRZB=3+H9S<*,*WW=N OR[=N,=J!X!MI+R^OK[5]2O;R^TZ339Y
M9FC'[ISGY55 JD<XP.YSF@#&M-2\3:?+X1U&_P!<%[#K<J07-G]EC1(B\+2
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MV&&Z,>V$E2NXE4#.0I(!8GKZT ;VF6]Y:VACO[_[;-YCMYODB/Y2Q*K@<<#
MSWQ6-X_U:^T+P1J6I:;(L=Y (S$S*&&3(HY!]B:T/#]E?6&FM#J%U)<S&XF=
M7D?>PC+DHI.!T7 Z4[Q!HEOXCT.YTF[DEC@N-NYHB PVL&&,@CJ!0!RDVIZ[
MX6\46=OJ>LMJUG>6%U</&UM'$8GA"M\A4 [2&(PV3QUKG=,\9^)9[+3-9236
M;V:ZDB>;3%T-UM1"Y&?+E"9RJG.XL0<=.:],OM!M-0UO3]5G:0RV44T21\;'
M64*&W CG[H_6L*U^'UO;"UM/[:U631K299H-,>1/*0J<JI8+O9 >BEB.!UH
MJ>!K2ZA\7^-))=1EGC&HJIB:- "QAB(;( .0/EQTP,]>:[+4I&ATJ\E3&Y('
M89&1D*>U9^G^'(M-\1ZEJ]O>W6-1VM-:,5,7F!57>.-P.% ZXZ\5JW,"W5K-
M;N2%E1D)'4 C% 'FFCZOXBURX\+Z;;:N-/BN_#J7]S+#:Q%M^Y!\@*[5^]Z$
M8SQW"VOBCQ#<6UIH(U",:I-KESI;:F;=<^5"I<OL^[O( '3'M77Z1X0L=&O-
M-N;>:X=]/TP:9$)&4AHPRG<< ?-\@Z8'M5:;P)ITMK<1I=7D,\FI/JD5U&ZB
M2WG;KLXQMQD8(.03F@#)U>\\4^'+:.P.L07LFI:C;V5C>SP*)8 X8N9$4*C8
M"';C&2>>E1:GJ^O>%;^\TVXUAM32?1[J]M+B:"-)8)H0,@A%"LIW C(ZC'-:
MQ^'UA<VMY_:%_?WFH7<D4K:B[JDT;Q9,9CV*%3:22 !W.<YJ2+P/ [7\^IZK
M?ZG>WED]C]IN/+4PPMU5%10H)X)."3@4 <Q'?>,!+X3+>)59O$,9$R&RBVVI
M\GS=T7&2< CYB1DYQVJ.^\9:]H6FZMILMZ]]?0ZU#IMO??9 \@26-9-QBC #
MLHW   9..*[K_A%[,/X?;S9\Z&"+?D?/F(Q?/QSP<\8YJI>^!]+OUU;SI;H/
MJ-U%>&1) KV\T:JJ-&0."-@/.>_;B@#%\,ZUK<_B&72Y)M9O+":T:1+_ %'2
M#:M;S @;?N(K @Y'&?EQ7;Z?!=6VGP0WMW]LN40++<>6(_,;NVT<#Z"L73O"
MK65[<:C=ZSJ.IZ@]N;:.:X:-/*3KA%154$G&6()XK2T&UO;+0+&VU&X:XO8X
M56:5FW%GQR<X&?K@4 97C+5M0L(M)L-+E2"\U6^6T6Y= X@7:SLX4\%L(0 >
M,FN<UC7-?\+2ZWIDVK-J+#0;C4[*[F@C66&2+@JP50K#+*1QV(.:[37] M?$
M5@EM<O-"\,RSP7$#;9()5^ZZG!&>2.01@FN:UGP9)'X<\271O+[6=<O=*FLX
MY;C8&"E&Q&BHJJH+$$\<F@"%;_Q'H4WAJ^U+6O[0AU>XCM;JU-O&B0O(C,K1
M%0&P"N#N+9!SQ7,P>._$>HZ2_B"Q?699VE9[?28=#>2U>(.0$,P0L6*C.X-@
M'C%=KH/@H6PTBYU'5-1O3I\2FTM+IDV6SE-I/RJ"Y ) +$X!_&D?X=VNR6RB
MUG5(-%FF,\FE1N@B)+;BH;;O5">2H8#DT 5;*_\ $&K>.-<1=9%EI.DR6[+:
MFV3,H>%797<C*@'/(YY// KG$\9:M#<:->0^(;O4_M6HP6UU''I.RPV2/M(B
MF:,,<9X.YLXKT>'PU8Q7FMW!,D@U@(+F-B-H"QB/"X&1E1ZU@I\.(39:=8W/
MB#5[BSTR:&6Q@9HE6$Q,"F=J O@#;\V>#Z\T <E/-J6B6/Q%U&+4VF>+4HE6
M.:WB92S"#YB-O4*=N.G&>O-=#/<^)]7\1^+;6S\0G3K726B^S+':12%F:W5R
M'+@Y7)/3GD\\"M6_\ V6H3:V7U&_CMM8*/<6R,FQ9$V8=<J2#B,#J1R>.F->
MU\/VMKJ&M7B23&35V1IPQ&%*QB,;>/11USS0!QNE^(]<\7W&A6%MJ/\ 9)FT
M2/5+R>WA1W=G;8$0.&"KD,3P3T%;O@74=6OK?6X=9O([NXL=5EM$ECB$8**B
M$<#O\Q)]S6%K'AT:"VA06%IKWE6%B;2/4])>-[@ $?NY(V7#*<9W8X(Z#.:U
M_AQHEUHNAWYNX;B%[[49KQ8KJ0/,J-M"^802-Y"Y//>@"Y\0=0N-*\ ZS?6I
M03P6Y9"\:N,Y'56!!_&LAIO$>N^,]?TJS\0-IEGI\-L\1BM8I'+R(QY+@_+E
M<D=>>"*ZK7]%M_$6@WFCW4DL<%W'Y;M$0& ]L@C]*2RT.VL-;U/58Y)6GU!8
M5E5B-JB)2J[>,_Q'.<T <-I'BG7?%=OX8T^"^73;F^T^6^OKN&%78B-UCVQA
MP5&6.3D' Z5=O+SQ3:7^C^&)-8M_M>H7%PPU2.!3(MM$BM@H1L$I+ =",#.*
MT4\ 65KI>D6VGZC?6=UI*NEK?1%#)M<Y96#*593QP5["C_A7VGBSC\N_OTU2
M.[:]&JAU^T&9EVL3\NTJ5 7;MVX XH YS7?$_B/PU9>)=,.I+>WMA;VMW97L
ML"*Q267RRDBJ I((/( X/K5UE\61>-8?#I\5NT-WI[WKW'V&$20E'5"L8QMP
M=Z_>#$ 'G)S6NWP_L;C3-4MK[4+Z[NM4,1NKZ5D$K"-@R*H"A54$= O<UM/H
MEN_B:'7C)+]IBLWLU3(V%&=7)Z9SE!WH \X?QSKBZ1H^FR74YO[G4+VTGU"T
ML//E,=LQ!9(5!&YOE[$#DXK>\-:GX@U<:UI376I1".-&L-7OM*,$F6R&5HV5
M5<J0.0!D-6C)X"T\V,<,%Y>V]S!?37]O>1.HEADE9BX&5P5.XC:0<CK0?"=S
M9Z/K36NK7]UK>HQ;?MTTJHZLH(0+M4*BC/9>YZT =3&K+$BN^]PH#-C&X^N*
M=4<"/';QI(Y=U0!G/\1 Y-24 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% &+K7BK2= N
M[6TOI9OM5VKM;00P/*\NW;D*%!R?F''ID] :K/X[\.QZ(=7EOFBM%N/LLGF0
MNKQ3?W'0C<I^H]/6L3Q;J0TKXE>%[IK"YO$%E>JPM8C+)&"8?F"#D^G&3@UB
MW.CZGJEQ<:R-*NX8-0\2Z?<1VLL1$BP0A$:5U_AS@GGD #- '8OX]T1+:TD
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MHEC<IO.PNB\*Q7!('<URMAIU]=>#/'N@V9VZH;^^" G:6\X>8ASVW*X&?\*
M.HL?'.@ZA?06UO/.5N7,=M<O:R)!<.,Y6.4KM8\'H><<9K9U'4K/2-/FO]0N
M$M[6%=TDCG@#^I[8[UYIH>D/J=[H5FEMXI%GI[1W$PU,B"&W>(?(B#RP9#GC
MY3C'?M6WXMFN=:T71[^WTJ^*66L1W$]A+&$GFBB+ E4)^;G:X'<"@#9T[QMH
MNIZI#ID4EU#?S!F2VN;26&0H!G?AU'RD=#TSQUKH:\WL-9;5OB-JVLMH]^D6
MB:.L20-#_I$K2L7X3.02(P IP>><9KM)-=BBO](LY+.\234T=HRT8VPE4#E9
M#GY6QG &?NGTH DUC6K#0;$7>H3&.-G6) J,[R.WW555!+,?0"J.G>,=&U)+
M\B::T>PC$MU%?6[V[Q(02'(<#Y< \^U4/'TNJQ6&G'38[GROMJ_:Y[.U%Q<0
M1;6^>-"#SG R 2 3Q7"3^&]7UNY\516L&MR)?:+%%:W.KC:T[I*S%.@V YQM
M(7J3C!H ]&TOQOH>K7:VT,UQ#))$T\)N[62!9XUZO&74!@ 0>.W/2FZ;XZT'
M5;^WM+:>X!NMPM9I;62.*YVC)\N1E"MP">#SVK%U'4+WQA82:18>';RT>6PN
M8IKK4;9H/LCO$558R1\Y+'!*\8'7M3+'4K[4M'TCP_%X9O;>ZBA$-U->6QCA
MLML10O'(1AVS@+L)X)SB@#:@^('AVXO8K>.ZG\J:;[/%=M:R"VDESC8LQ783
MGCKSVK5CU_3I8M4D2<E=+=H[L[&_=LJ!R.G/RL#QFO-GBU.^^&]CX%7P_J,&
MK1K;VDLK6Y%M$(W4M,)OND84L "6R>E7;F74='F\;:9_86J74VK3//8R6UN7
MAD#P(F&DZ(0RG.['MF@#J;KQYH-J;-/.N9I[VU2\MH+>TEEDEB;HP55)^OIW
MK,UKXC6-KIVA7^EK->6VI7XMG9+25V11G>-H&1(",!3R>< X-5?"FDWUKXFT
M*XN+*:)(?"<%J\CQD!)0ZDH3V;CI[5D3:;J=CI"71TJ^E%KXRFOWBA@+R- 7
MDPZKU8?,#Q0!V=UX]T"SO);>::Y"02B&>Z6TE:WAD./D>4+M4\C.3QGG%;FI
MZC:Z1IESJ-[(8[6VC:65PI;:H&2<#DUY5K5OJ5MJ&KS:%8>)-.U>>Y,D-K%"
M;G3[TG&)'W+LC+?Q<J1CO7>>-[6[OOAYKEK# TUY-I\J+%"I8LY0\*.IYH C
M3Q_X>?3FOEN+DPF<00XM)=UPY&0(EVYD!'.5R.]6K;QAH=SI5[J+79MX;#B[
M6ZB:&2 XSAT8!AG/''/;-<OXQT2]9O"6I01ZF+;3%DCN4TP?Z1$)(U4.JX.<
M%<$ 9PQQ6+-X<O=4TO7K^PL-;FD:6R=#J\@26^6"3S"HB*J4 &0"W4]A0!WV
MG^-=$U![B/SI[22W@-TZ7UM);'R1UD'F 97W'3O1I7C71=8OH;.WDNHY;A#)
M;?:;26!;E1R6C+J XQSQVYZ5S'B>34/'>BZGIFE:!=V^[3W'VO4;=K:3S-RD
M0H'&2&VG)^[TY-5=)L6U3Q#H3?9?%TK6<IN)6U5O)AM&"$8!,8\TG.W"G&#G
M- '6^&_$]GJ$5E:2:FMY>W*3S1R+;-"LJ1RE& ![KP",Y/7H:FNO&>AVD-S)
M)=2-Y%Y]A*10.[O/@'RT502YP>V<<^AKA[;2-8TOX>:'JMKIEP^LZ+?7$ZV>
MPB26&2:170#KRC!A_NBK-WIFL^'O"_AJUB6\!>=Y]8O;"T%Q=122*SLR*5;J
M[%2P4D"@#5\0>/K<>#-<U'1I)(=0TP1^=#>6SQ/"688W(X!P1G!Z5LZ;XRT?
M5[MK.TEN$N3"9X5N;62'SXQ_''O4;UY'2O,KO1=7N;'QR8=,URZ6^M;'[(VH
MH3+<[)&W#&!MZ_=(! YP,UU\LUUXI\7Z%=6^CZC90:2EQ+<RWMN8?F>(QB),
M_?Y.25RORCGF@"SH7CF >"M U'69))-1U. .EO:6[2R2L!EML: G '4]!72Z
M/K5AKUB;O3YC)&KF-U9&1XW'565@"K#T(KR6P\/:IIEEX0U*\AUZW@AT9K&X
M&F1DW%M)O#C='M+%2!@X&00*[KP#IS6L&JWK6NJ0?;;OS%;4Y09I@JA1(R!1
MY><8P>> 3B@!D?CZWC\4>)-/OHIX;+1[=)S/]DEZ;7:0LV,8X&W^]SC/;HYM
M;T^";3(I)B'U-BMJ-A^<A"_IQ\H)YKA=<TW4;C7?'6GQ:==N=:TB-+.=8B86
M=(I%*L_13EA@&FQ7M]K>M>"!%H&KV\6G3,;R6[M6B6)OLSH!S]X9_B''3GF@
M#?3XE>%Y(;J=;V;[-:KNFN#:RB)/G"$%MN,@LO'H<U>TGQEHVLZBUA;27,=S
MY1G1+FUD@\V('&]"ZC<O(Y%<4="U'_A1<^E_V;<?;GN78VWE'>P-Z6SMZ_=Y
M^E;WBW1KW5?%NDBVBD6)M,U&W>Y"G;$TBQA,D=.0<?0T :%IX_\ #U[>P6\-
MS/LN9?)M[I[61;>>3IM24KL8\'&#SVS5[_A*-'_L6_U<W>VRL'ECN79&!C:,
MX8%<9SD>G.1CK7 R_P!HZOX'T?P='X?U*UU*!K2*XEEMBMO;B%T+2++]U@0A
MQM))S5O6O#FIR^.&TNWM)&\/:S<P:C?2@?)&\(.^,_\ 70I!]<-0!U&H^.-$
MTRY:VF>[DECB6:=;>SEF^SHPR&EV*=G'.#S1JGCKP_I/V03WCRM>P?:+9;:!
MYC-'D<KL!SU!^F3VKB[W3+S1O%GB*>Z_X2GRM0G6YM7T6/S$E'EJNQ\*VU@5
MQEL#!%:'ACP[=:5XC\, Z9<6UO:Z'<1L))/.\B1Y8V$9D"@%L;N@[&@#NM1U
M:QTG2I=3OYQ;VD2AWD=3P#P.,9R20,8SDXK,T[QII&HW<UHOVRVNHH#<F&\L
MY8':(<%U#J-P^E1^.WU6/PM,VCV[3W/FQ;@D"S2)'O&]T1N&<#) ]:XFTL+^
MX\:07L47B2\LSI-W!]KU6$H3(VPA0FU=@XZE1D],XH [&P^(?AS4KFQBMKFX
M*7Q"6UP]I*D,KD9V"0J%W>V>HQUXJEXL^(>FZ/I6N)9S3/?V-O(!,MI))!%<
M;"41Y NP,3C@GOBLM='U!?AWX"LQ83BXM+W37N(O+.Z(*1O+#MCG.:H7@U'2
M/!_BSPP_A_4[V^O);V2VEM[8R17"3%F5S(. R[L%3SE1C.10!Z?ID[W6E6=Q
M*09)8$=L#')4$U:JGI$;Q:+81R*4=+>-65A@@A1D&KE !1110 4444 %%%%
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M0CL$1#'<26;A9V<[0D7=WW?+@=ZMVWC?294OOMB7>FRV-N;N:&_@,;B$?\M
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M3'&(_+ZECD8QG.:2V\;:9,E^+B"^L;BQM6O);:\MS'(80#EU'1AQC@\'@XH
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MH=&'1@1D&GT %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M=0B>6TG2>-)&B9D.0'4X8?@013-2U&VTG3Y;^\8I;0@&1PI.Q<X+''89R3V
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MQ2*=55_/WL A )Y/4>Q%;-]H]_);^!%CM7)T^ZB:Y Q^Z46SJ2?^!$"NVHH
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M$DDDDDY)))))/K69K.DW+>)-&UVPC$DUL7M;F/<%+V\F,G)[JRHV.X#8Y(H
MX*ZUO6-<GU_4#'XCBMK.YFMK%].N((;>$1$J7DWR*6)8$D," ,5Z%!JMY9^!
MX]7U2 ?;8=.%S<Q(1CS%CW, 1D=0>E5+KP#H-Y?SW,L5SY5S-]HN+-;J06TT
MO'SO$#M)X&>,''(-7[_26!U&_L$234I[3R(X[IV,!QDJ"@. "3R1SB@#SS4X
M]<7P?HNLCQ/J":UK=Q;1&..7$ $Y&4C3HNQ22&'/RDD\UZU7EVA^!KF3Q%HM
MW/H<FDV6DL\PBFU)KH-(5*JD*[B(XP26[$X48XKL=4\+QW7A[5=,L[B>%]1E
M:9IFG<F-V8$E3G( QPHP.,=": .@KS+[1J?]K>-=;DU?47BT&9WM-/CEVPN1
M;*Y#C&6!)&!GCGUKTVJ%IHUC93ZC-##\VHR^=<AB6#ML"=#T&U0,4 >7Z1?^
M)DBT#58XO$<MQ=30&]DOKFV^QS1R8W[$$GR8SE=H!XP<YJ&%;G0]"\77MEJ=
M^LP\3Q6^6G)&TRVX8_4AB">XXKO;+X?Z%87=K-&MX\-G)YMI:37<DEO;OV9(
MR< C)QZ=L5+/X'T.Y;5Q-#.\.K$-=P&X?RV<8^=5SA7^5?F&#P* ,SQ%JE[;
M>-H[2"[DCA_L&\N#$K8'F*T85L>HR<&N72/6X/!'A;41XGU9K_7+O3TGE>4,
ML2R*<B-<8'!&<YR5!/>NYLO NC65X]Z3>W-X]L]H]Q=W<DTC1/C*Y8GCY1C'
M3GU-7CX9TLZ7I6G&%_LVE20R6J^8<HT0PF3WQ[]: ,#05N]'^(5_H/\ :E]?
M6+Z9%>H+V;S7CD,KH0K'G!"@X]:O^/=4O=+\.Q_V?/\ 9KB\O+>R%SM!\@2R
M!"^#QD G&>^*V1I-FNNOK(C;[:]LMJ7W''EABP&.G5CS3]4TNRUK39].U&W6
MXM)UVR1MGGN.1R"" 01R"* .(O1?>$O$VG6%MK&HWMKJEI=^9'?3^<T4D48=
M9$8\CT(Z<CBL;3GUBR\,^"O$<GB'4[F\U&ZLH;J*:;,+QS?*1LQ@$ CYNN<D
M]:[K3O!FE:=<RW6Z\N[J2 VXGO;IYW2(]44L3M'TY/>K/_"+Z4-(TO2_)?[)
MIDD,MJOF'*M%]S)ZG&._6@#8KR+2;_6=<M_ ]I)KE_ NH'4OMDL,F))5C?Y1
MN.<8P!GJ!G&*]=K#L?"6D:<VEM;0.ITSS_LN9&.WSCE\^N??I0!P\MYK>E:=
MXGCMM4OKP>&]3@N8_.DWR36WEI)+$[=6&UGQGG@4OB'Q=J?V/Q3XAT>Z=K&Q
MCM].LMF"C32.IDFP>"5$B 9XRI]Z]#M]%L;6[U*YCAS)J3J]UN8D.0@0<'I\
MH JI8>$=#T[PPWAR"Q0Z4RNK02$MN#$DY)Y)R>O;CTH XS2YO$&G>(["*&'7
MXK.YBF2[;7KN"10P0LDB;9"P(88( Q@]!BJGAZ^U.PU;1XO$%YXAL[R[?R9)
MI95N;"^=D.!&RG$1)^9< <#'-=MIO@C1].O4NS]LO)HXF@A-]=/<"&-AAE0.
M2!D<'OCC-1Z?X"T33;NUFB^VR1V3;[2VGO))(;9L$91&.!@$@>F>,4 ><65S
M?^'_  @T.F76IRRZIXGGL':.56E1!+*28MY"B1@N,D]3GKBM*XU_Q'X8M-?F
MAM=82RBTE[F :S<0SRQ7 8*"NUV8H0V2#P"OO7;GP)H+0:E;O!.T&H7 NI(C
M<OMCFW%O,BY_=MN).5Q4VG>#M(T]KR1TN+Z>\A^SSS7\[7#O%S^[RQ.%Y/ Z
M]Z .1O\ 09M)\5^")GU[4-0\V]D$JW<WF!W^SR'S$X^4=1@<<CCBN_UF]?3-
M"U"_CC\R2VMI)E3^\54D#]*Q;'P!H=AJ%C>I]NFET]B;,7%[)*MN"I7:@8D!
M<'I[#T%=.RJZE6 92,$$9!% '!:#87<>F>'_ !#=>,+H3WBQ2W27<H-O<>8F
M?+C3@(<D;2O/'(-<E?:[J,6DP^(-.U#Q+>/]MB)U"0I!82QO.J;5@9LE<-@$
M+GOFO1;'P%H6GWEO/%'=/%:L7M;2:ZDD@MV.1E(R=HX)QZ9XQ57_ (5GX=-F
M+)UOWLHW#P6KWTIBMV!W HN[ P>G7&3B@#,@L+_Q#XJ\71S>(]3M(+&XBCM(
MK6?RQ"3 C%C_ 'AD_=/'WN.:Q;37]3\365B+R[GB6\\*7-Q,L#; TJR(N\ =
M,C/X,1701^ ([_Q1XFU#4S>0PZA/%Y?V6]>(3PB%%*R!",C<&Z\\GUKIU\-:
M2EY#<I:*C0V3:?&BDA%@)!*;>G\(H \ZL)!9^#_!FF1ZIKTKW.G+<O8::-UQ
M*OEIC]Z2/*C4G&,C.0,\52&H:A=:)<65^]Z18>++"*%;^5))XT+Q-M=U)#$%
MCW)YQGBN\C^'>B06UE%;RZE ]B&2VGCOI!+'&V,QALYV?*,+VQQ4]OX#T"UA
MEBAMI0DMY%?/NN'8M/&05<DDDG*@G)Y/6@#I:Y#XAW-_!I.E1:=?S6,UWJUK
M:M/"1N5';:>O'YUM:=I+V6LZO?-.S+?21LL>]B$"H%SSTR<\#C@=R:GU/2;/
M5TM5O(RXMKF.ZBPQ&)$.5/'7GM0!YQJ<FIVWBQ/"\,WB?4+"QL%N6:SNXUN9
MI))' ,DCLA*J%P OXU0OH=6U?2_#,>M7&HV\UOXG^R1.;B,3-$4<JTGEDJ)0
M!MS]?6O2M9\+:=K=Y!>S-=6U] AC2ZL[AX)0AY*%E(RN><'-5I? VA2:#!HZ
MP3PV\%Q]JCDAN'699LD^9Y@.XL<G))[T 8UGJU\=(\?R27DI:PNKA;9F;F%5
MMD88],$D_C638?VKXDU_0;";7]3M+9O#-O?3?9)MCRS%L9+8/7//K@5U5_X
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MM/F.5,3D%E*]#DJ*R+#P#H>G7EK/&+R6.R;?9VT]Y))#;-TRB,2 0"<>G;%
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M5AM5N2NQQQN4DXSCFI]1^(%CI[7\@TK5KFQT^1H[N^MX%,43+][JP9@O<JI
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MTS5GTJ&<V\FIK OD*P;83RV\J&XW!2*V_#.DOH/A;2M)DD$DEG:QP,XZ,54
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MYF>-I'<EB\<HR8W#'/IC(XJ/P-X4FT&_UC4Y[*WL&U PJEG#.TYC6,-\SR,
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MCZPT1-%3P_;3WL,0MXM5^W(L!P,"5D/S@XP2H!Y[T_\ L;Q!X>UZSUFWB;Q
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M#%/-*9&9%8!?F/7CO3?$GA*>YDTZ*QT71M1TRSMA!%9WDC0/ 1P&2558E2N
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M+191G(B!W!/IGFKM !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110!D>(/$5KX>MK=YH;BYN+J806UK;*&EFD()P 2 , $DD@ "FZ'X
MBAUF:[M7M+FQO[,K]HL[H+O0,"58%2593@X()Z&LGQO:L]WX?O;2_M;75K:^
M(LEO WDW#/&RM$Q494E<X/J.]9/AI]0?XF^(+_5KBR_T?3;>&X^S,?)@;<[!
M-[8+$+\Q) QOZ4 >BT4BLKHKHP96&00<@BEH PM;\6:=H-T+>[;$GD";[ZJ
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MX8 L>!T[U+H,4GAC5]+C?1;>&]O;*=;.^TJ]:2"_98MX,L; -GY<AN>3UYH
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MW8R1K@E8E*G=M7G!*CL*Z2_\;2MJPTW0]/@O9TM8[J=[J\%M'&LF2BYVL2Q
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MFV%R-I;MDUO6/C2Z&K1Z;K&EV]I<7%O)/:FUOA<I)Y8RR,=JE6 .>A!YP>*
M-K5_#&A:_)')JVDVEY)$,(\T08@>F?3VZ5;72[!);25+.!7LT:.V*Q@>2K
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M Z#FMG0M)U?0M&TRRABT?=Y[/?BW@^SQHC9.(E08)!VC+=0"3S7344 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M\5V*2Z<AM;]D1\7-JS!I(Q\O<HO7WJ[KMSX>U5O%+0^*;",:N]F\2.DA4B$
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M63S&'4XR1VJ1[2S:3Q8DVLZ;;V<FCJM\N@6DABB8M\LC8)4MMW J,$KUXYH
M]:&J6UQ9W,UA/;WC0JQ*Q3KC<!D*6Z+^--AU2%=+L[O47@L7N(T8QR7"D*[
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M>C;4B\06;"WN82_#*S8*R8 !ZDC!(QU /6I[Z:/4K"WAMTE@N1(7G\]5\O:
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M]>G% 'H#Z=827R7DEG;-=J/EF:)3(![-C-/FLK2XF2::UADE12JN\8+*",$
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M$QF\M/-*["^T;MO7&?2F"TMA"L(MXA$C;E38-JG.<@>N>:\J\*^)O$MCX/\
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MO299H?+N&<37+0C]XRD?*H!! !!SCJ,T =]15'1;Y]3T+3[^1%1[JVCF95Z
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MT64,R*21G'!QD8SB@#,N_">J6NNW>K:%>Z>CW\4:74-_:F5=\:[5D0JP(.W
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MO+^2]RZ#,;.%!4?]\T >5JFI:9XGLW\0:SI>ESG0;2*&?5[3SXV95/GHK&1
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MK_=VZA1>($E5>JAE!(! P,9[4 9TOB+7M9UK4+#PQ:Z>+?39?(N;W4&<JTV
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MLKV94A9-_'RY/'/WLYYH ]%B\36=K;7EQK&I:7;Q17LMM&Z3_+A 6VN6QB0
M,2!TQ3KGQGX:L[*UO+C7+&.WNUWV[M,,2+W(]AW/:O.EL1<WMG%/;F2/_A.[
MF0JR9&!'(0?ID"K>M-+H7Q)U:\O-;31+6[LX$L[B2Q6:-T4-OC#'A3N.=O?<
M#VH ]'O->TC3]+34[O4K6&QDQLN'E&Q\]-I[Y[8K!UKXBZ!I6GZ7?1:A9W-M
M?WBVRRK< *BY^=R?]D8R/<=*XK2H(=!3P=JU]]L_L*"6_;S;NU\K[,\I!C<Q
MJ3L0_.%)Q@,.F:NZ_JFDW-G!K>GV$D&F1>)+2>XOQ&=ER%&'F QG:.%W8P2.
M] 'JB.LB*Z,&5AD$="*R+'Q;X>U+4VTVRUJQN+Q<_N8YE9CCKCUQWQTI?$<5
MSJ?@[58=+?-S<V$JVS*<99D.W![<D5YY+J6E:SX?\):%H4+#6+.\LW-LL#+)
M8B,CS3)D?*,!@<_>SWS0!Z-!XFT.ZU;^RK?5K274/G_T=)07^0D-Q[$$?@:L
MZGJVGZ+9M>:G>P6EN"%\R9PHR>@YZGVKEOAU910VNO3_ &=4FEUV^9G*89OW
MI .?H*9XTDCT_P 6^%M9U%&.CV;7*SR["R02NBB.1@.@X8;NQ:@#H[7Q+H=[
M90WEMJMG+;3SBWCD24$-*>B?[Q].M7)-0LXKT6<EU$ER8FG\IG ;RP0"V/0$
MCFO-/[*3QE>^,[K1@R6-W;VWV.Z"%4FO8MS"5,]0#Y8+=\=\50F@U?QKX&\5
M^)8K.>*^U"UCL[6VVD2"&+!E51_M.91CO@4 >F:5XIT'7+F2VTO5[.\FC&YH
MX9@QQG&1ZC/<<5%'XS\,RO.L>O:>QMX?/FQ<+^[CR!N// R0/Q'K7!://;:S
MXK\-FU\0S:G)8EW6*UTI(!:1^65*S-D; <@;>3D#CBF:7IFG1_!&V^V6MY$I
MN6EEGLH0TT+"Z)$I4_>52JDC!^4=.* .[D\6Z9?>']1U#0]5TRX>TC+,TT^(
MHSC(\PCE5]\59O\ Q3H>CO;0ZKJ]C:3SJ&1))@NX>HS_  Y[GBO*[[4KO4M"
M\8Q"[LM>B_L0_P#$ZM;+R79LG$#D95B 2WR].XYKH;*_L?#OBKQ VOV\I&IP
M6QLW^S/*)XEA"M"NT'D/N^7ON!H WM4\=:=IVK:(#>V7]DZA%<R/>M* JF+8
M  <X.2Q'X4NN?$'0]*\++KUM>VM[;27"6\92< ,S, 1GGE02Q'7 -<+X)M8K
MC_A6;FU_=Q6VIN@9<^6=RX_&IM?A:#2_'S+"XACURQN"$0GY1]G9VP.O0DGV
M- 'K=O<0W=M%<V\JRP3()(Y$.0RD9!!]"*R%\8^&WU8:4NN6!OC)Y0A$ZY+_
M -W_ 'O;K6G#>PW>FI>V9\^&6(2Q%>-X(R,9]:\*N]6>_P#!MA$E];0&.^MY
M7T*PTT@V.)U+>;(Q++CG+?+DGT- 'NB:E92&["743&S;;<X8?NCM#8;TX(/T
M-8$GCS1U\6:7H<=U;/\ VA:FYCF$PP<E?+4#OO#$C_=KEYM;L]!U7QWI]^94
MO;^3SK* 1,S7*M;(@\O ^;YE(/IWJ+0+B/3=6^'<MYNACG\._9(V9#@S,("$
MSC@G!ZT =)X6^(FCZWI^GK?:EI]MJUV6'V,3#<"'95&"<Y( ..IS6UJ?BOP_
MHMXEIJ>LV5I<. 1'-,%.#T)]![FO-(-/2'X!V7EVNV?[;#-PGS;_ +:/F]<X
M[^E:]IJVC^&M6\86OB9-MS?WK31"2%G-[;&-51$X._&&7:.A^M ';:IXGT+1
M"HU/5[.T+J'432A=RDX!'J,U@:G\0+3088GU*YTUO/U=K!##<\1Q _,[Y'WE
M!&X#@$CFN;\#Z+<VWB7PW#K%H3<VWA<KMF7<8B9QA>>C!3M_.JMRXL=*FOKE
M72VM?'3W$TFPD)&'.6.!TY'- 'J]OJVGW5M<7,%[!)!;,R3R*X*QLHRP8]L#
MDU8M[B&[MHKFWD66"5 \<BG(92,@@^A%>5^*;>YB\47&A:>'^Q>-%A/F)TB*
M8%P?^!0;?QKTZZMW&E36UEB%Q T<&. AVX7\N* *$7BWP]/JYTF+6K%]0#%/
MLZS*6W#JON1Z=:NIJNGR6ES=I>P-;VK.L\H<;8BGWPQ[8QSGI7D37NGW7PMT
MOPC8V[IXHB:VC%EY+":"Y212\S<?*.&;?T(/7FM3Q-IUY%XKN_"]K#+_ &?X
MKFAN))$!VPA.+H9[%D2/\6- '>:AXN\/:4MLU_K5E;"Y020^9,!O0]&'^S[]
M*DU+Q-H>CPQS:CJUG;1RQ^;&TDP =,@;E]1EEZ>HKS?49'T'Q]XCEO\ 74T6
M"\2 VKRZ>)TN(5C"F-&/<-N^0==V<'-/\,:-'#KG@:&:WNI(H-,OY(A?6X22
M/=(FT%02%^5L 9Z>G2@#U=)8Y(5F1U:-E#*X/!!YSGTK'L/&/AO5-1_L^QUN
MPN+LYVQ13*Q;'7;_ 'L>U6/$4K6WAC5)8K'[<T=I*5M!_P ML*?DXYYZ<5Y)
M%J;:A>^"/*UBVO8X-1@+6FGZ<8H;$&-EV,Y)8')"A21GDD<4 >HS>-/#%O>I
M9S:]IZ7+R&(1M.H.\,5(//!W CGN*U8+^TN9[F""YBDEM6"3HK F-B 0&';@
M@UY3+I\?_"I?'O\ HH\V;4-1D/R?,Y$IVGWQ@8JUXS&HZ+JR2Z6C^9XIL8]+
M+*/]7<@@)(?I&\G_ '[% 'IME>VVHV<5W9SQSVTHW1RQMN5AZ@]ZGJMIUA!I
M>F6NGVJ[+>VB6&-?15  _E5F@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *YJ7PE<22
MNX\5^(4#,3L2:+"Y[#]WTJ#QGKESI,UA#'K.G:1!/O\ ,N+B,S3,1C"Q1 C=
MU.3SCCCFN8MO'>OW/AJ5K26TN-0BU^+2HKB6U>%)D?80[1D[E/S\_3B@#K/^
M$/N?^AN\1_\ ?^'_ .-4?\(?<_\ 0W>(_P#O_#_\:K&U'Q%K_AJXU73]0O+6
M_D&BW&I65RMMY15XA\R.H8@CYE(/'<'UI8-<\3Z6OAS4=8N[*YM=8GBMIK6&
MW*&V>524*ON.[! !R.^1B@"\F@12F(1^.];<S.T<86\@.]ESN4?N^2,'([8-
M6O\ A#[G_H;O$?\ W_A_^-5QWA?4/L4?AB(P6[I<:WJP:22(,\84SME#_"3C
M!QU!(K<T#4O&&O:9I_B2WN-/^QWDJO\ V6T!4I;%L9\W=DR!?FZ8[4 :O_"'
MW/\ T-WB/_O_  __ !JHD\,,]Q);IXUU]IX@K21BY@+(#G!(\O(S@X^E<GXF
M\>:II U>[B\0:6;BPE?9I-O9O<[HU/2653\CD9)Z!>E:$4&N7_Q,\1-HVH6V
MGHUA8O+++;^<Q;$NU0-P&.6R>O QUH W'\,-'/% _C77UFER8XVN8 SXZX'E
MY.,C-2_\(?<_]#=XC_[_ ,/_ ,:KDX/$DFK:]X.U74(DBN+9-6BNTBR5WPA5
M8KGL=N1]:IV?Q+U26RLM:-[#.+F6,OHT6F3;HX78#Y9^C.JD,?X3@@=J .X_
MX0^Y_P"AN\1_]_X?_C59J6&FR:E_9R?$;4VOLX^S#4+8RY]-OEY_2KGQ-O[K
M3/AWJ]S93-#/L2(2J<&-7D5&8'L0K$YJ2\\!^%F\,-I+:?;VMG%'\MQ&JI)"
M5Y\P28R&&,[C^- #O^$/N?\ H;O$?_?^'_XU1_PA]S_T-WB/_O\ P_\ QJJ+
M:EKFL^)+W1=#U.WL[72K> RWDUO]H>XDD4LH W* NT D]23QBLB'QEXCU6?0
M=,M#8V>H7-W?6-]*T1DC1[?J\8R"<XR 3W&>G(!WVE:<^F6A@DU&]OR7+>;>
M,K..!QE548X].]7J\LE\0^-(]%\2WG]IZ;GPW-*C'[$<WVQ!)\PW_N_E8#C/
M.:V1JWB37?%=YINF7UII]E!86UUYLEMYT@>7?\N-P&/EY/MQUX .ZHKSA_&V
MHS^'-/GN-2TK1IS=W%G?7$JF3]Y"Q7$$6<ON(SR3M'K5!/'^MCPSKLEO/;7M
MYIVHVEM;W,EH]NLZ3-']Z-N5/SD9'7@CW /5J*X,ZAXLL?$-QH,NHV-[<W6E
M37EE,MIY0BF1E785W'<AWCG.:FTWQE<Z])X4AT]8TDU"![O4 RY,,<8VNOL3
M*0N?]DT =M17+>,=5UBPN=!L]%>VCGU*^-L[W$9=43RG<L ",D;<XSSC'>L#
M5O&^K>$(]>L]5>WU&ZL[6"ZLITB,0D$TAB D4$_=<=NH]#0!Z117F^B>,]0/
MB.QTZ74X]8AO8Y-\D>F2VOV614+#EN&0X(YY!QZU4L?$OC63P!:^)Y9K687R
MP_N;;3VD:SC+8>; ;,G'.T 8SW H ]3HKS2W\>W</AK5;VVU?2]=DBE@@LF2
M-K>1996"8GB/W0&(((QD ]*U&U7Q%X=U_3+#5[^TU*WU1)DCDBM?(:":.,R8
MQN.Y" P]00* .WHKR[3?%'BW_A'O#7B6^O=/DM=3N;:WFL8[4J565@@<2;L[
MLD'&,<X[9-BYU[Q==VWBS4+'4-/MK;0KJ=(H9+0R&X$<:N59MPVC!QD#/- '
MI-8/BC1[?7K>WTRZU::RM[ARDMO$Z*;Q<9,>2"<8!SMP<9KD-3^(%Q<ZM:V%
MOJ$>CQ'3H;Z:=K&2[9GE!*QJJ\   DD]> .]0VWB"Y\1:GX)NKR()<0ZO=V[
MNL;1I-MMY,2*K?,%8$'!Z<B@#U)55$5$4*JC  & !2UR_CC6-5TBQTL:.;=;
MN^U*&R#7"%D4.&Y(!'0@'\*YK4_%NK:=KB^'+K7[>VGM+59[K45TIY3.[LVQ
M5C4D( HR22<GIB@#TVBO,K;QIXCUBW\/VUB+6VO;V_N;*XGEMG\MEB0L)41B
M&P5 (![\&I[WQGK>@-J^CW9M;_58)+1+"X\LQ)+]I<HOF*"<;6!S@\C'2@#T
M:D+!1EB /4UPT^L>(?#>M6FGZK?VNI1:C;7#031VOD-#-%'OP1N(9",^X(KE
M-5N/%FM^ M#UG4-8LHTO[W3I8[:&R/[HM*N"6+_-SM8C [CWH ]@2Y@EGE@C
MFC>6''F1JP+)D9&1VR/6I:\RUGQ-JFAMXQEM(;%[ZP?38UF\@(9VDV*V\@Y/
MWCC^Z*T)O$.N^%]>DMM=O;74K232KG4 ;>V,#1-#M+(/F;*D-QGGB@#O:1F"
MJ68@ #))[5YQ)K?C*RT_P[K%S?:=+;ZO>VD4]HEJ5-LDS#A'W'<0#@Y'4Y'3
M%:7Q:2Y?X=7YMKA8<20E\Q[MZ^:HQU&.2#GVQWH [:BN(%_XEU;Q%?:%I^JV
MEI_9,$'VJ\>R\QKB:12P"IO 50 ">2>:V/!^NW.O:(\U]%'%?6US-9W2Q9V&
M2)RI*YYP<9]LT ;4]U;VT9DGGBBC5@I:1PH#$@ 9/<DC\Q4M>'WT6K1>$/&;
MO?0W+CQ-$J(8-@,HFM_F)W'Y3\HQVQUKLY?$6M^%]=N;77;RVU*U_LBXU-7@
MMO(:,PE=R ;FRI#<$\\4 =[17D^E_$+5'ET>[FU""^%_/%'<Z;#I<T?V59.
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M1ARY7) Z>^37<T4 <G8>!K>QDTAQ>R/_ &;?75XH*#]X9_,RI] /,/Y57M?
M,MK#;Z8FOW7_  C]O.)XM/$2A@ ^]8S*/F,8;MC.!C-=I10!P,_PVFET/4=
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M2IYYK6_9%=OWSLSJZGA@=V#TZ \5VM% '(3>")K[2KZVU/7;N\NKVX@GDF9
MJ1B%U95CC!PH.WGN<Y)-=?110!QD'@'R<0G5YGLXM875K>$PJ#$^]W9-PY8$
MOU/3%7=;\'0ZU?:K=/=R1'4-(.E,JH#L4LQWCU/S]/:NFHH Y2Z\)ZB)V?2_
M$=Q9QRVT=O/#+ L\;!%VAD5C\C$'G&0>XK;T+1[;P_H5EI%F7-O:1")"YRQ
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M)Y%CAB4N[N<!5 R23V % $E%,AFBN8(YX9%DBD4.CJ<AE(R"#Z8I] !1110
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ML4 %%%% !1110 4444 %%%% !1110 44PRQK*L1D42,"RH3R0,9('XC\Z?0
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M;NWWO/>+"4/V=. "C9K4\/WTOANUN+.R\)>*39R3O-% ZVI6W#')1,3<+G)
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ML+22ZEV(T<0.0L:HH5?F^;H<D<TZ+P2[ZMI6IZEX@U*_NM,D+6_F+$B %"C
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MAAD 9!!X-7<^+E\:?\(V?%"M%/I_VXW?V"(21%9-A1!]W!+ Y8,1C'?-:K>
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MC! . 2!G%/N(I[#Q=KFIW-WXIL[75A!<V;Z79"7S0(@OENIB=D<$'AL#GZT
M>@ZAXMT33;2RN9KT2)?#-HMM&\[SC&<HJ DC!!) P,U1\%^)SXH&MSI+%+:V
MNI-;6SHI7,8CC;Y@><Y9L]/3%<CHNG3>#KSPYJESI>J?V:NESVCQE/M4UG(\
MPE!<1*.",K\J\8 -:_A&_ETZS\4:M<:)JD$5UK9EAMQ:-YSH\<*B39UP3DGT
MYSR#0!W]%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *Y#XGZ
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M]"]_Y.W'_P <KT"B@#S_ /X4E\//^A>_\G;C_P".4?\ "DOAY_T+W_D[<?\
MQRO0** //_\ A27P\_Z%[_R=N/\ XY1_PI+X>?\ 0O?^3MQ_\<KT"B@#G/#7
M@/PUX/GGGT'3?LDEPH24^?))N .1]]CC\*Z.BB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHK$U3Q7IFD7AM;II1*%
M#?*F1@T ;=%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&
MC_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\
M"?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0
M!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0
M_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W
M[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,
M?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^
M_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&
MC_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\
M"?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0
M!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0
M_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W
M[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,
M?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^
M_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&
MC_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\
M"?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0
M!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0
M_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W
M[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,
M?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^
M_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&
MC_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\
M"?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0
M!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0
M_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W
M[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,
M?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^
M_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&
MC_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\
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MRGE6!Z@T 1?V(O\ T$=2_P# DT?V(O\ T$=2_P# DUJ44 9?]B+_ -!'4O\
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M/&8W&"1RIY'2K- &7_8B_P#01U+_ ,"31_8B_P#01U+_ ,"36I10!E_V(O\
MT$=2_P# DT?V(O\ T$=2_P# DUJ44 9?]B+_ -!'4O\ P)-']B+_ -!'4O\
MP)-:E% &7_8B_P#01U+_ ,"31_8B_P#01U+_ ,"36I10!E_V(O\ T$=2_P#
MDT?V(O\ T$=2_P# DU/?:K:Z?=6%M<,PDOYS!  N<N$9^?3A#5V@#+_L1?\
MH(ZE_P"!)H_L1?\ H(ZE_P"!)K4HH R_[$7_ *".I?\ @2:/[$7_ *".I?\
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M<9VYYSFNTOM-L=3A$-_96UW$#N"7$2R*#ZX(JQ'&D,:QQ(J1H JJHP !V H
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M@F2&.=69 .N0#V[^E9"ZGXCU>YMK6+0Y](A^8WMQ>21/@;2 L0C<ECN(.XX
M Z9.*P+#0]8ET[PQI#Z(]D^AJWGWADC,<V('BQ'M8L=Y8,=P7&.>: .L_P"$
MT\+[)7_X2'2RL2AG(NDX!Z'K4UWXHT"PCBDN]:T^!)D62-I+E%#HV=K#GD'!
MYZ<&N<T'PS=V,_@EIK!(QIFBS6UR<J?*F98..#R3MDY&1U]><[0_"6J6MF4N
MM/59!X;-@N70XD,DA*=?0K[4 =M'XET*8W8CUBP?[&-USMN%/DCIEN>!FK-S
MJEA9O(EU>V\#1QB1Q)*%VH6VACGH">,^M<!J?@_5;G1[>TMK-$=/"TE@1O4
M3YA*IU_V&YZ>]&NZ5K?B>?5;C^P9[6*?3;>UCBN98B[LMQO<$*Y &T]SS@^U
M '8'Q1I=SI\MWIE_87RQ3Q0R;+M JEW51EN1GYL@?Q' '6F:-XNT;7+BXM[2
M]@,T-S);",RJ6D*=2H!Y'!/T&:P?$GAW4KW6]3GL[,-#/%I00AU7<8;QI)."
M?X4(/OT&>E9VKVU[HVB:SJ$MH8;O3M:;5+!WD3;=*[<QK@ELLC.F"!RPQF@#
MT,W]NUM<S02QS"W+K($<':RCE3Z'VKE=,\;W]U!HMY?Z!]DL-8,:V\\=XLK*
MTB%DW)M4@$#J,XK6T71YM,\(1V$A$EZT+O<,/XYY,M(?Q=C7G^@^$;ZVM?#4
M=KX4N]*U:P>W-UJ4UW$8]J@"8!4D8MO&X ;1USQB@#TI/$6BR:J=*35K)M0!
M*_9A.IDW 9(VYSD#MUI+7Q)H=[J L+76+&>\()$$=PK.0.O .>*X--%\2W&H
MZ7Y]A=HMKK/VJ6./[+'9I&7?YXPO[QV(8$[N>6[\5HV'AC48-"\+V_V00W%G
MJLUQ<%67,:.MP-V<\Y+ITR>?:@#K;;Q!HUY>SV5MJME-=0 F6*.=2R <'(SV
M[^E,M?$VA7MO<7%KK-A-#;#=/)'<*5C'JQSP/>N&_P"$>UJ\\%6_A;^P(K>Y
ML].EM6U&>2,HSE-N8BI+?O#]XD# )SDT[Q'HNL^*(;N6WT"73O+T:>Q$,TL6
MZ>21HR$78Q&Q=AP21][@=: .P;QEX86%9CX@TP1MG:WVI,'!(/?U!_(UMHZR
M(KHP96&0P.01ZUPFI3/I_P 2&^R:%)J/_$C6,1VYC4H#,W'SLHVG&#CI@<5K
M^%$N-%T[2_#5U$S7%KIJ/),C QJ0=NP=^.Q(P0/8X +DOB.VM_$%YIEULMXK
M6SANWN99 J8D=T .>G*=<]ZFM/$>B7UK<W5IJ]C-;VO^OECN%*Q<9RQS@#'K
M7*>+?#>IZKJ.OO;V?G0WFE6EM%EU =TGD9UP3V5@>>.:7Q/X:U*^US4+NSLU
ME@-MIS+$751<M!<O(\1R>,J5 )XY'/7 !V.FZMIVL6[7&FWUO=PJVQG@D#@-
MZ''0]*N5SVG75\]Y<WI\-/:+<S1199XA.RA2#))AB-J\  $MUXKH: "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH *@N;&TO&A:ZM89S!()8C+&&\MQT9<]#SU%3T4 %%%% !1110 44
M44 1^1#]H-QY2>>4V&3:-VW.<9ZXSVJ2BB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
%BB@#_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>ex97-ibcrpolicy2023x11x1004.jpg
<TEXT>
begin 644 ex97-ibcrpolicy2023x11x1004.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M;WL,LH98V7J=_ QP?I@_6O,[+PE>^*/''Q(_LW7M3TJ^M[F/R/LER8HY6(?
MD Y(^7 YXR>M8\DBW/P2U32=/TZ2SU;3]10Z];Y:220 G,AR<D$@9&>-I[<T
M ?0NF:UI6M1O)I>I6=\D9P[6TZR!3Z':3BJ__"5>'O-GB_M[3/,@8+*GVN/,
M9)P PSP<\<UXUX;@75/$FL77AG5+"6Y&@RP%-'TQ[6W+,#Y>YBQ'F!MO;.![
M&N2O[OPE_P *MT'3[2S1/$MO?(+PBV*RQG>P;S'QT/RX!/IZ< 'T^FHV,EU<
M6J7MNUQ; &>)95+Q C(+#.5R.>:Q-4\4>5)HCZ0=.O[34;L0//\ ;XT"KG!,
M>3^\8'/RKD\5YW)KMAX8^+7CM=5=X7U&SMS9((F8W!$07"  Y.3CZ@^E<UHG
M_(C_  E_[#S_ /I0U 'O3>(M$2\6S;6-/%RTQ@6$W*;S)_<VYSNY''7FG1>(
M-&GU1],AU:PDU!,AK5+A#*,=<KG->5>#- M=1\6?$:_%G!+JL&I2+8S2("T+
M_.05)^Z<XY]JX#PY;P7&GZ!I9O[.TU^'5-QAATF1M0CE#DDR2;QE,8SQQQZ&
M@#Z0NO$V@6+2+=ZWIMNT<GE.);I%*O\ W3D\'VJ6+7=(FU/^S8M5LI+\+N^S
M+<(9,8SG;G.,<UXG-H^G7]Y\8KN[LH)[BVC)@DEC#&(^7(V5)Z'*KR/04RTT
MJPTV/X07=G:0P7-S+F>:- 'E+*A.YNIZGKZT >W2^(-&M]433)M6L(]0?&VU
M>X02G/3"DYHO=?T;3GE2^U:QMGA4/(LUPB%%/ )!/ -?-,]O&(/$>E:[>V-K
MK4VK,2DFER3W[DL"CPR!A\O7@=L]<BO1M/T2TU3XZW=OK5M#J#0>'X6(N8@R
MF3**6VG(SRWYF@#MO%/Q T7PQH=GJC3Q7D5[,L5MY$Z$29ZONS]T=R,XR/6M
M6[\4>']/BMY;S7--MX[E0\#2W:*)5/=23R/<5\[/:6O_  I.TGGMT>*Q\3,N
M]DW>5"?O#V4G;D=^*W/&;: /%*:EH^KZ?81SZ5&(8=5TP/93P <"%L$KZ8"@
MY!Y[4 ?0$4L<\*30R))$ZAD=&R&!Z$$=13ZX_P"%U[)?_#K2IY-*CTS*,%MX
M@P3;N.&4,20#UY/>NPH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M06X:.3<GSRHAY'<!LXJ_!K4<;ZQ)J%YIT-I83!/,6?F-=BG][GA6R>GH1ZT
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M[+,[J5..!C8/?F@#IZ*YOQ#XCO++5K+0M%LXKO6+Q'F GD*101+@&1R 3C)
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M2UBRM94V[HY9E5ANR0<=>Q_*I[W7=)T[3$U*\U*U@L7P4N'E4(^>FT]\]L4
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MPT_6Y);N]T*/Q(]Y=2R6(ACP8B@G2-23Y0DPV<#G)QWKJ/#%_IFJ_%/7K_2
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !65K'B71] :)=3OD@DFR8XPK.[@=2%4$D#UQ6K7GGBS4KF
MS\<0QFX.CVS:?\NIPZ;]IFG;S#F$-M8*!@-C!R30!V^EZK8ZUI\=_IMU'=6L
MF=DL9R#@X(]B#QBKE>=?#R^.C^'+PZA#J(>YUZ>-//MB)29'!5G55 7.<D@
M#VKT6@ K$UCQ=H.@W(MM2U&.&?9YAC"L[*G]Y@H.T=>3@5MUYEK&J7<'C;6K
M=[JXT9"D(@.GZ4)[C4ALZ^84894DJ!CB@#0\6>/5LKW0;#1=0T]7U7,HNYXG
MGC6(*2I 0C=N(QUXJ]X=^(&E:UIVKWT]S!:V^FW3Q22.2J^6#A7)8#&[!XZC
M@5R?@^RNXK3X9K+:SQM;"^6</&08CY;@!N..:HZA:WMQHVKV4$5_'<:?XK;4
MKE(K0NYMFD8K(BLI63'#8&?N].E 'I]AXNT'4[6\N;34HGCLXS+<!E9&B3!.
MXJP!Q@'G'.*ET;Q+HWB%KD:1?Q7?V9@LICSA2<XYQ@]#T]*\U>(ZQ/KNH6VI
MZSK+1>'[JW^U36*6\1+C(B $:,[9&>A ^IKTCPK;BU\(:+ (O*\NQ@4IMQM(
M0<8H P+?XBZ9:ZWKEAK=[:VGV&]$,&%;)C\M&WOU &YB-QP.*Z#5?$VC:)';
MOJ&H11"YY@5<NTHQDE54$D8[@8KA;;6;#0M:\<0ZEIMX\E]>?N-EE)(+Q?(1
M?+4A2"<YX/\ >^M8MMI.K^%]1T"XU;5-0TN)?#\5D;NVM$N1%*KEFB?*/MX*
MX(QG;C/% 'J<OBC0X=#36GU2V_LV3 2X#Y5R3@*,<ELY&!SQ6;=>-M*NM#U*
MYT76-/-Q9P"5VN@_EPY) \Q0 PY!XZUP]AI\VGQ:1XA-OJ]YID.N7-Y<"XM0
M)2)(C&MPL**"%W?-C;D;B<54\07<>OW'Q#FTVQN@)=&M%7?;/&\Y#2?,$(#>
MPR.=OI0!Z;J?C7P[HUQ);:CJL,-Q$%,D6&9E!&<X )QCOT'>I+WQ?X?TZWM9
M[K5K9(KN(S6S!MWG(-O*8SN^\O YYK(T"S9?B+XMN9+=@LD%BB2,G# 1ON /
M?G&:Y7P3IMPEU\/FGLY5^S:9?AB\9'E,70 '(X)&<4 =S+XJLKW2K+4-&U/3
MW@GOXK5I)P^#EP&C '(D[ -QG&:+SQ[X6T^ZDMKK6K:*:*0Q2J<GRV!Q\Y P
MHSW.!7$7=A="YU0):3;6\;6<XQ&<%,0[G^G!R:OP:=)_PAGQ*4V;^;<WFH%
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M)7&3U!^E '>@A@"#D'D4M(I#*&'0C(I: "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#*US08-=AMUDN;JTGMI?.@
MN;239)&V".,@@@@D$$$&H]"\-VVA2W=PMS=WM[>%3<7=VX:20*,*. % &3@
M#J:V:* "BBB@ HHHH Y_5?"D>HZHVHV^K:IIES)$L,S6,RJ)5!)&X,K#(R>1
M@\]:TM'TBST+2;?3+",QVT"X0,Q8G))))/4DDDGU-7J* "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M*AN[2"_M);6ZC$D$J[9$).&'<'V/<=ZFHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MB:\?;:K+:2QB?@G<A90&7 /S#CIZC+O''BC_ (1'PXVI+$993/%"B^6[CYW
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ KA-:NWT;XH0:M<:7?SV']CM;M=6MH\WE.9MP!"
M GD#L#V[<UW=% '#^$Y+G2+#4=1N]+OXUUG6WF@M4@+20QR;5#R+_ /E+-Z;
MN:[BBB@ KS7Q-X?O;OQ_#9164LVBZXUO/J,@0F-&M=S88]MX\I>>NTUZ57/Z
MMXX\,Z%?M8:IK%O:W2J&,3YR >AZ4 >=:;X?UN3P;XL74+"Y-U8Z1)H6GH8S
MNGCC#G>@QE@^8P".NRNNU/3KEK_P%Y-I+LM)F\XI&<0K]E=?F_NC.!SWQ76:
M;JEAK%C'>Z;>0W=K)]V6%PRGUY'>K= 'CRI>Q?"V7P"VAZB^N%'LQ_HK_9W)
M<D3^=C9MYW<G.>,9KTG7K0R^$;^S>Q.J%K1HVM?,\LW'RX*ANQ/KZUL44 >2
M:7;ZO>WPTS2+O7;C39M/N8ICKEB8WL':/"!)F168[L @;A@9S5'2])FN-*T'
M0KE?&#WMK-;K-921I%;6QB(/F";R=I0%<C:Q)X'>O9IIH[:"2>9PD4:EW8]%
M &2:9:W4%]9PW=M(LMO/&LD4B]&5AD$?4&@#DO"FB^98>++/4;-TAU#6+PLL
MB%?-B<!=PSU!'0USWASP]KVJ6^JQZM%+;W.FZ7)H6GS2@@2D[MUPOLP$/(]#
M79ZIXY\,:-?-97^LVT-RF/,CR6,>?[^ =OXXK=@GANK>.>WE26&10R21L&5@
M>A!'44 >-Z5I<UUI_A_1;A?&$EY:36_G64L:0VUH8B#O$OD[60%?E"L2PP*N
MWCW6D>#O%WAB?0]3N]1O);Z2V:"S>2.Y68LROY@&T%0PR"0<K@ \5ZW10!EV
MJW,'A2%8K</=)8J%@DX#.$X4YZ<\&O)'35]2TWPYY@\1W%Y;:C937EC_ &9]
MFM+)5D7<% C&\+T&&;CDXKV^B@#Q[6(M0L+_ %8:#;Z_9:M-?-(NEO:F[T^]
M)<'S=Y3;&&^\3N!4YKTOQ*]\GA74VT^SBO+X6K^5;2+N61]I^4@]1[=^E:U%
M 'CT$>H:AKWA&Y67Q)J"VUZ&NVN].^S06I,3KA4$:]SC/S #J>1FY-HU_P#\
M*8\1V*Z=<_;9[N\=(!"WF29N6*D+C)R,$>U>JT4 4]21Y-'NT12SM;N H&23
MM/%>.^&=-\'VGAC3(-8^'NJRZE';HMS(="E;=(!R<XYYKVEKF!;E+9IHQ.Z%
MUB+#<5! ) ZX!(Y]Q4>GZA::K817UC.D]M,,QRIT89Q_2@#S;QQH]_XXO[1=
M+TIHDTNV%VTE["\0NRV&%ISC*D+\_4 [1US3-86ZNO%.F>*9$\1Z7IUUI M6
M^P6NZ>UE$A8I)&8V8*<XR%ZJ.Q%>JT4 >16FCW=A#IWB&/3=;GMH==EOKB&\
M"O<RH\)B$_E*BD$'!V8+8R:T?$EU=>(=-N]1TWPW="WL[ZQN!,ULT=S>K%*&
M<+&RAR%'3/7)P*],HH \X$]SXC\=7=_9Z7J,5BWAZ:UBGNK5X1)*9%.T!P".
M/4#.#CI53PS!=W4WP\WZ9?PKING7-G>"XM7C$;B&)<'<.A(.#T.#BO4J* /,
MO"OA_5(O%::9>VTT>D^&O/\ [.G=3MG,Y_=D'H?+C+)[$US%GH%U#X13PI?_
M /"737XD\A["WC1+20>9GS5G,)4)_%DMG->Z44 9FOZ0-<\-:CI#2%/MEK);
M^8>=I92 ?ZURNE^,KK2=%M],U3PWK1UFUA6 PVMF\L4[*,;DE V;3C/)&,\]
M*[VB@#R^T\-:KIUCX3-W;,]]+XAEU*_6 %U@,J3$@D=AN5<],_6H];TG4I=
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MKU>B@#G? FFG2/!FGVC6UU:D!Y/(NY5DECWNSX8JJC/S= ..G:O.]0^VZ?\
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MBQQQLY5"00&; &>W-<GXEU;6?"D7B?2;;6+NZ6'1TU&TN+A@TUNQE*,A;'S
MXR,\CF@#UBBLK0-*N-)L6CNM5O=2FE?S7ENF4[20,A   JY!(';->=>)]8O9
M#XCN]/U;Q'<S:>91"VFQ)%9VAC3)20N<2$$$MUZX % 'K5%4-#NY=0T#3;V;
M'FW%K%*^!@;F0$_SJ_0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %8NL^%['6KR"]>:
M[M+Z!&C2ZLIS%)L/)0D=5R <$<'I6U10!BV/A;3=-CTZ.S^TPI8/)(BK.W[U
MW!W-)D_.223SWYK:HHH *R;SPWIE]XBT_7IX2VH:>CI X;  <8.1WX)QZ9-:
MU<QJ7CFPT_5[S2H]/U2^O;-$DFBLK;S-J,,ALY _#J>P- $MOX)T.UTG6M,A
MMW2VUF666[ <Y8R##8/8>@[5H3Z%8W-SI4\BN7TMB]MANA*%#GU^4FLR7QQI
M(L-+NK-+O4&U2,RVEO:0[I)$4 LQ!P% R <D<G%8VO?$41>%9-2TFRO/M46H
MQ6-Q!/;8D@8NFX,N>I5OE()!+"@#H+'PAI.G/I;6\<H.F/</;[I"<&8DOGUZ
MG'I5%/AWH4<J*#??8(Y_M"::;IC:K)NW B/IC=SM^[GM2KXKLK*]UZZU"_N(
MK:QM[6:2VGMPOV;S%; !7+.S' ([$ #K5C3O&=C?:@+">RU'3KMX6GABO[?R
MS,B_>*<D$C(R.",]* -V[M8;ZRGM+E-\$\;12)G&Y6&"/R-8VD^$--T>>PFA
MEO)I;&WDMH'N)S(5C<J2O/8;5 ] *S;#XE:-J/\ 9TL=IJD=EJ,B0V]]+:E8
M&E;HF[.<YXSC&>]3:EX^TW3IK\+8:I=V^GL4O;JUMM\4! !8$Y!.T$$[0<4
M6[GP7HMW:7]M+#*5O;W[>[K*RO'/A0'1ARI&T8Q[^M2Z+X6L=%O+B^26[N[^
M=%CDN[V<RR;!R$!/ 7))P .>M4;/6[B\^(<MA%<B33&T6&\B0*,%WE<;LXSR
MH7CI5S6/%-KI&HQ:<ME?W]])$9_L]E"'98P<;VR0 ,\=<GTH NWFC6=]J^FZ
MG.KFYTXR&W(; 'F+M;([\47FC6=_JVFZE.KFYTYI&MR&P 77:V1WXK+F\<:2
MFEZ=>PI>73ZD66TM(("9Y"OWQL.,;<'). /6A?'.C?V->:C.;FV-G*L%Q:S0
MD3I*V-J;!DDMN&,9!SUH @;X>:$\S F]^P//]H;31=-]E,F[=GR^F-W.W[N>
MU7KOPAH]_P#VO]JMWD&JM&]S^\(^:-0J,I'*D;0<CN*H-\0M*@MK^2^M-1L)
MK*))Y+:Z@VRM&S; Z@$AAN.#SQWK:O=<L[#5K'39_,^T7L<TD6U<C$04MD]O
MO#% &59^!-*M;Z>^DGU"[O)[-[*2>[NFD8PL02O/ QMXQZGUJ_IWAG3=+O+2
MZMDD$MIIZ:;$6<D"%2" ?4\#FN;_ .%@V.M:=:7>GG5K&TEN[5$O'L1Y<^^0
M*8U+'URK$=.2,U4D\<W4\'BY;DWNF1:7=I%#=I:*Y1?W7!#'#,2Y_P" D&@#
M1\1^%5ATH1:9I#Z@DFIOJ$\:71AN(Y'R3)!)D!6#'H2 02*9X%\-7>F:UK6L
MW5G<68OUACCAN[O[3<,(PV7D<%ADEL  G 45K:GXSL=.U*XL(K+4M0GM45[H
M6-OY@MPPR-YR.2.=HR<=J2Y\;Z6@L180WFJR7UO]JACL(M[>3D#><D #) Y.
M<\8H O:]X<T[Q';117\<F^"3S8)X9&CEA?\ O(ZD$&JNC^#M-T?47U+S;V_U
M!H_*%U?W#3R)'UVKGA1]!S6EH^K6NN:5#J-F9/(ES@2(492"00RGD$$$?A6!
M?_$/2[![US9:I<65C*8;N^@M=T$++]X$YR=O<J#B@!T'P\T.">':;UK*";[1
M#ISW3FUCDSD$1].#R!T![5I-X7TQ[/6[4I)Y6M,[7@WG+%HQ&<>GRJ*IZGXW
ML-.O9[6*RU&_:VB6:Y:QM_,6!&!*ECD=0"<#)Q2WOC73[>:V@M+34-3FGM5O
M!'8P;RL+<*[9(QG!P.O!XH T6T"Q:\TFZ*OYNE(Z6QW\ ,@0Y]>!7'>"?AQ!
MI_AK1H]9%[]HM<3/8->%[99PQ(?8"5)Z'KC/.,UOS^.-)CL=,N+9+R]EU-2]
MI:VT!:9U7[Q*G&T+W+$4)XZT4Z)<:G(US#]FG%K-:R0,+A9B0%C\OJ6.1C&0
M<YS0!%<_#_1KJ:_+RZ@EKJ$C2W5E%=ND$LC?>8J/7N,X/<5I:=X9T[2[VVN[
M99?.M]/33HR[Y_<H<J#ZG/>L'4_'%I)HVIJ7U+1+ZT6&1UN+13,L;R!0ZJ25
M92<J3GCZUH:GXXL=.O;VUCT_5+]K$ WCV5MO2#*[L,21D[<'"Y.#0!0\2^'I
MH/">H:%H6DF\.L2SF5Y9U5+=Y26:5LG) )R N3P*ZC1],@T71K+3+88@M(4A
M3U(48R?<]:YB7QLTWC/P_I]A;SW&F:G8O=">.'.X$IL;)/"@,2W&1D4[3O&E
ME;>'-+GEN;[5KN_DF2V2*U43S['8-\BG: H&,D@8QGDT =';:/:6NLWVJQ*P
MNKU(DF);((CW;<#M]XUB_P#" :.EMIT5K+?6<FGB1+>XMK@I($D;<ZD]P3S@
MCC'%#_$#1(=%N=3N?M=NMI<);75O+ 1- [D!=R>AW Y&01TS5C2?&%GJNI3Z
M:;'4K*]B@^TK!>6_EM+%G&Y.3GG QP>>E $$7P_T"*PU&R\FX>*_E2>9GN'9
M_-4#$BN3N#Y .<]:L:1X/T[1]8?5TGOKK4)(/L[W%W<M*S1[@P'/ P1VQW]:
MUM-OEU/3H+U(+B!9EW"*YB,<B^S*>0:YN]^(FE6)NY39:I-86<QAN=0AMMT$
M3*<-DYR0IX) (H U=;\,V6NW%G=32W5M>69?R+FTF,<B!@ PST(.!D$=J30_
M"VF^'KF^N+'[09KXHUP\\[2M(R@C<2Q)R<\_A5/4?&]A8:O<:5%8ZG?WT$23
MO%96WF?NVSALY [>N>>,T2>.M'_LO2[ZT6ZOCJ@)L[:UA+32;?O_ "G&-O<D
M@"@"UK'A6QUF^BOVGO;.^CC,(NK*X,,C1DYV,1U&>>>AZ8J&#P1H-LEO''9G
MRH;.:R$;.2'CE(:3=GEBQ&23SR:I>"_$EQXBU;Q*7:86UK>1PV\,\/EO"/)0
MNI&,YW[NN?8XQ77T <E#\.]'C-AYMSJ=R-.ECELEN+QW6W*$%0HZ8X YR<<9
MITGP]T66>7+WXLII_M,FG"Z86SR;MQ)C]"W..F>U=710!RU]X!T>_NKR1IM0
MA@OWWWEG!=O'!<,0 2RCU  .,9[UTIMX3;?9S$A@V;/+V_+MQC&/3%244 <M
M8^ -%L;JTD5[^:"R?S+.SN+MY(+9AT*(3VSQG..V*VM-TBTTJ6_DM58-?7+7
M4VYLYD*JIQZ#"CBK]% &!JWA*QU74QJ0N;^QO3$(9)K&Y:%I(P20K8X."3@]
M1GK4,W@71'L=.MK9+BQ;359;2XM)VCEC#?>&[^(,>3G.3S72T4 <VO@70UT2
M72VBG=9;C[6]RT[&X,XY$OF9W!Q@8(^G2F#P%HKZ?J-K>?:[YM05%N+FZN&>
M9@AR@#?P[3R,8YYKIZ* .7M/ >DVUW)>23ZA>7DMI)9O<7=TTKF)\97GIC'&
M/4^M:#^&=-?3=(L"DGD:3)#):C><AHEVID]^#6Q10!S4O@71Y9]0=FNQ'?W,
M=W- +AO+\Y&5@ZKV)*KGUQ2:EX%TK4KZ[NO/U"T-Z +R.SNVB2YP,?.H[XXR
M,$BNFHH YN\\$:5<36T]I)>:9-;VRVB/I]P8285^ZAQP0.W<>M:^DZ39:'I<
M&G:?%Y5M""$4L6/))))/)))))/<U=HH P8O"&DPO Z1RY@U&74T_>'_7R;MQ
M^GSMQ5*/X>Z+%.FU[\V4=Q]I33C=,;59-VX$1^F[YMO3/:NKHH YV;P3HMS<
MZO)/'/)#JP'VNU:=O)9AM^<+_"_RK\PYXI=,\&Z;INH"_DGOM0NEB,$4FH7+
M3F*,_>50>!G R>I]:Z&B@#D8OAQH4,UFPDU!H+&X2YL[5[QVAMW5MPV(>@SQ
M@YP"0,5TNHZ?::MIUQI]_ L]K<(8Y8VZ,IJS10!SNE^#--TS48;\W%_>W-O&
MT5L]]=--]G4\$(#TR.">N.,U*GA#24\-6>@+'+]@M'CDB7S#N!C<.N3W^8"M
MVB@"GJVE6>MZ5<Z9J$/G6ERACD3)&1]1T/O6);>!=,@U*PU*:[U.\O;!BUO-
M=W;2% 5*E0.F"#SQDX&3Q73T4 4-5T>TUF*VCO%9EM[F.ZCVMC$D;;E_#/:J
MNI>%]*U:]N;J^@,SW-BVGRJ7(5H2VXC Z'/?K6S10!RUOX!TJ*[T^[FNM3O+
MC3Y!):O=7C2>5@$;0.F"#SQDX'/%2)X%T>.>:16N]DNH)J?DFX8QI.KE]RJ?
MNY8Y('6NEHH Y:^\ :-?W5Y*TE_#!?/YEY:6]V\<%RW0ET![@#.,9[YK8M]#
ML+36'U2"(QW#VL=IA3A!&A8J O08W&M&B@#F)/ 6CM;6<<#WEK+9SSSV]Q;W
M!25&F8M(,]P2>A'84U/A]H26VHP;;MQJ3PR73R7+.\CQ-N5BQR<YZ_E74T4
M5[^QM=3T^XL;V%9K6XC,<L;=&4C!%8FF>"M-TZ^AO'N-0OI;>-HK;[==-,(%
M888*#Z@8R<G'&:Z.B@#E+7X>:):W%L5>^>SM9A/;6$ET[6T+@Y!5#Z'D Y [
M"I-0\!:-J-Y=S.]]%#>N'O+2"Z:."Y; &70>H !QC..<UT]% ',W_@71]0U*
M>]+7MN;F-(KJ"UN6BBN54;5#J.N!QVXXZ5;TWPII>DSZ=-:I('T^Q-A!N<G$
M1*G!]3E!S6W10!SMWX*T>\T^^LW%PBWE]_:+213%'2<;<.C#[N-HI9?!>C7-
MOJ4-U%+.-2,37#22G<6B151@PY##:#D=^:Z&B@#F[/P/I-O+=3737FIS7-L;
M1Y=0N&F80GK&,] >^.3ZT:7X(TS2[^UNQ<ZC=O9*R6:WEVTJVP(VG8#WV\9.
M3BNDHH S=;T.P\06 L[^-V19%EC>-RCQ2+]UT8<JP]162O@+23::A%//J%S-
MJ$2P7-U/=,TSQ Y\L-_"O7(&,Y-=110!C/X6TAM2AOEM1&\=F;$QIQ') >D;
MKT(';TR:HZ=X$TC3;NVG26_G6S#+9P7-T\L=J"-OR*>G!P"<X'2NGHH PE\(
MZ4GAVPT,1R_8;"2*2!?,.X&-@RY/?D"J5S\/M&NI;_?+J"6FH2--=64=VZ02
MR-]YBH]>I&<'N*ZJB@#'TWPUIVE7L-W;++YT-A%IREWS^YC)*@^^2>:Y[Q#X
M46VTNTM]+TB6_@2_EO)!#=F"ZB=RS&2&0LH!W,<@GD&NYHH \]\*^!U9?$DF
MM:;)%::UY,9M+NZ^T3%8U/SR2!C\Q9B1@G;@8/%=#I7@[3]+U./46N=0OKN&
M,Q027UTTQ@0]0F>F<#)ZG'6NAHH S-<T&Q\06<=O>K(#%*)H9H9#')#(.C(P
MY!Y/YUEKX#T8Z9J=G<&[NFU-!'=W-Q<,\TBC[J[CT [ 8%=/10  8 'I7*7/
MP]T6ZDOP\NH+:7\C37-E'=ND$DC?>8J/4\D9P3VKJZ* *]A91:;IUM8P;O)M
MHEACW')VJ !D]^!5BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KF-
M&TV[MO'GBB_F@*6UW'9B"4D8?8CAL?0D?G73T4 >1V&D^)=,\.^%]/NK768]
M-AM9EO(=(E5+@3E\IN;<#LVD_=/7K4<7AC7(?"GB6)-%O%EEUFVO[:VENA-+
M+$C0L?G9CE\(V<MUX!/%>P44 >8:OX<UG6[KQ)J%MI\D3W(TN\M(+EE7S7@)
M=XFP2 ?X?3/?'-:4R:KXJ\4Z/?G1+W3+32H[B21KW8KRR21F,(@5CD#)))XX
M%=[10!YO%X=U5?ACX2TLV3B]LKNPDN(<C,:I*I<GG' !-9FO:5XCU9?$EG?6
M&OW=Y.\Z:>MO>B"P$!7$9;:ZY('4,#D\=*];HH X;PQH^HVGBFSO+FT>*!?#
M5I:,S$?+,KN63KU (]J9XVTO[7KEI=2Z'J=Q$ENR1:CHMSY=W!)NSM(W+E".
M1UP<\<UWE% 'D=QX:\2RV_AS5]9BU6^ELUNH+F*SO/)O$BD8&)BR,H=@% 8
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH *P-9\4IIFJPZ5:Z;>ZIJ,D)N#;V@0&.('&]F=E49.0!G)(K?
MKC]4L]6TGQNWB'3M+?5+>[L4LYX(9D26)D=F5AO(!4[R#SD8!YH ?\/=:N=>
MTC4KRYDF8?VK=1Q+.NUXXP_RH1VP.,5UM<5X5M_$&BZ/<M=Z,CWE]K4T\L,=
MTFV&&5\F0-_%M';@FNUH *YK4O&,5EJ]SIMII.HZG+9QK+>M9HA6W5AE<[F!
M9B.=JY.*Z6N):VUWP[XJUR\T_1FU6VU@Q31M'<1QF"5(Q&1)O(.PA0<KDCD8
MH C\"^+6O/#_ (6MM1DGN=1U:UGG$Y P1$PSNZ<X9<8':M#4?'VEZ9;ZE--;
M7KKI]_'I\HBC#,TCA2"HSR/G'O[5S&E^'O$6@:=X+OO[(-Y<Z5;W5O>6<$\:
MN/-*D,I9@IQMZ9[T#PSXCO(=0GNM,2":Z\2V>HK"MPC;8$\K<2<XR IR.Y!Q
MD8R ;B>+D75I;F]M=8L7@T:>]DTZ=8MNR.3!;AC\YQQSC!J?3O']M?WFEQR:
M/JEI::KQ8WMQ&@CF;:7 P&++D D9 SBJWB;P_J>H^(M3N[6W#P3^&KFPC;>H
MS.[@JN">X[]/>GW>@:E+I7@>!+<&32[NWDNQO7]VJV[HQZ\_,P'&: &7_P 3
M;&QL;S5!HVK7&C6LC1-J,,<9B=U;:0H+ABN[Y=V-N>_>NV!R ?6O$M9EU;2?
MA!J>A6EG:WFFQM)!#JL=XA21&F.%V?>\W)V8QC(SGM7MJC" 'TH X^[\2ZG%
M\38]!2QN&L#ICSEU$>-^]1YF2V[:.5QC.3T(Y&+X,^(<LGA;P]+K&GZHZ7OE
MVS:K(B>4\[':,C=NP6XW;<9_.MW4M/U2+XBV6K6VGM=6,NF26,TB2HI@8R*X
M8AB"1QCC)K(A\+:PGPN\-:*;0"_LKFRDGB\Q?D6.96<YS@X )X- &U?>.H+6
MZOTM='U/4+;36*7UW:HACA8#++AF#.5!!(4'%=+:74%]9P7=K*LMO/&LD4B]
M&5AD$?@:\LN_!=Y8:CKRCPQ<:P=0NY;JTNHM4:")?,Y*3)YBD!6SRH.1[UZ5
MHEA_96A6&G^7#']FMTB*0;O+4@ $+N)./3))H Y_Q#XDU+3/'7AO2;6QN)K2
M^$S3M&(_FVJ,8+,"-N=Q]01C)R*P=!^(DUEHMW<ZMI^JW5I:ZE<0W&I*B>5
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MW$,C,,KD$J<$9KF]7\>W-\/#KZ?IVJV-GJ&K6L<-Y-&@CN86;YA@,64,.1N
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M&V-0V3R>>HX'- &7<_$[3[5;ZX;2-6;3M.O'L[V^6)/+@=7V$XW;F&<'Y0<
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MN84F0/U 8 C/OS5FLKPQ&T7A/1HW4JZ6,"L#U!""M6@ HHHH **** "BBB@
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M_)._#?\ V#+;_P!%K7"QP/JG@#6?&5UK&H0:W UY+$Z7CHEH87<)$(@=A7"
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MKB25Y)'1L95F8DL/E'7.,<5 O@/PTND)I2Z8%LXIC/$HFD#1/C&4;=N3CLI
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MQ[A8_*\V+4[J)F3KL8I&"R^QR*M0Z-XFMY=/E@T+PO$VG1O%:".]G41(P 8
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MZ.X,;'YO-8;"HQZ#GT]Z +3_ !%%KHU]/?:2]MJ5G?QZ?):-<J4\R0*4;S>
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M>6\]R0YVE41P=IQR<L/2L#1;;Q/J_AWQ+HEA;Z>+"^U74(/MLL[![=&F</\
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M<M-0GABD)CA@@ 4(K$ LV!DG !)H [C2KB^N]-BGU&P%A=MG?;"82[,$@?,
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M@S6<MKY4[Q+YI!\Q5/#C!Z'MGFO*](T2W\3^)_#UOXADCU=%\,^<7RXCG83
M+(0P4GY3GD=3FJP\J>ZCT_47V:'=>,+^.]!;:CD*QBC<_P!TN!QT.!0![.K*
MRAE((/0@UEWNO066NZ3I1C9Y-2,P1U(VH8TW'->6^)@GA^[\6V'A4FUTY=)M
MYKR*S.$MI6GVNR@<(QAW$@8^Z#6PVC>&-(^)7@P:!':P-+#=,T=JP*R1^3\L
MC 'D]?FZGGDXH ]/I&95&68#MR:S]%M-+LK%HM'\G[*9I'/E2;QYA8E^<GG=
MG([5PKZ5X=U?XJ>)HM>CMK@QV-J\4%T1L"[7WN%/&1\HW=1GWH ]*+!02Q
M[F@LH(!8 GH">M>*:/IT'B6X\#6>KB2]T\Q:J(EF=CY\"2((=_\ >&T*1GK@
M&M?3]%\-:G<^+F\316YGTZZ:"+SVPUE9K&OE&+/W!C)W#&30!ZK52:[ECU*U
MM4LY9(IE=GN%(V1%<8#<Y^;)QCT->366NWOA;1O#OC+5!+(=1T<V=YO!W23(
MK26S'U9@&7/JPJV-+O\ P]?>$K>/,FK_ -EZI<2GJ9+IUC=OK\YQ],4 >B:Y
MKT&APVLDL;2_:+R"S"H1E6E<*"?89J]=6]K>0-:W<,,\4G!BF4,K_@>M>,-I
M?AE/!_@?5K9H3K%UJ>GM+<B3,US*9%,HD.<MALG!Z$#I3+FQN-9N?&5[J4&@
M//:WT\?VO4;R6.XL8E'[HQA4.P;<,"I^8D]: /:+2RL=+MQ;V5K;VD&>(X8U
MC7)]A@9JIX?UR'Q#IC7T$3Q()YH-KXSF.1D)X]2N:\]TBSL_$'B?[/XQ>VU!
MH-"LY;/S\B*3<&\Z95<#YMP7D@$#'2MKX67%A:^!;9([Q#!+J%W';/++S-^_
MDVX)^\2!GUH ZO7M7BT#0+_5YHWEBLX&F9$QN8*,X&:N6\Z7$*2*?O(&VYY&
M1GFN=^(__)-O$?\ V#YO_037,'0-.\-^)_!$^CVJV]S=^?#<R*3NN1]F9_WA
M_B.Y0<F@#TW<N[;N&[&<9YI<UX=]DTC_ (5%_P )-N7_ (2[=YGVW=_I7VWS
M,>5Z]?EV=,=JN>(;&YNM8U;P"C-"=>O(]20@_=C,;/+@^GFP#_OY0![+2!E;
M.U@<'!P>E>&W.N:GK_@[7_%5LTL5Q9:9:Z7O!*F-RR/=MD<C 8#(Z;*U]+T)
M;/Q7HD$4/AK3[:^MYXYK;3+F:4W\!C/+#RP#@X.]CZC)SB@#URDW+NV[AN(S
MC/->3Z ]QJFJ:)X*NF=SX:N9)KYF_C2' M/^^@ZM_P  -<Q#9WM_X2U#7;W_
M (1^VU5;N4RZM<W<PO;2=92%7"QDKC  0'!&..: /?RP! ) )X%+7G&AZ#8Z
MM\3?$E_JENES=V+6+VY8G;#)Y )91V)(')&>*]"M[FWO(1-;3Q3Q$D!XG#*2
M#@\CT((H Q[_ ,56-BVN1[)9)M&LA>W"@  J5=@%/KB,_F*U+"]CU"PMKJ,;
M1/"DH0GE0P!&?SKRS7-.TN'Q+\2)_LMLEW_8"R1/M ?+13^81WYPN?H*FA\/
MZ9H#_#W4-,ME@OKJXC@N;A2=]PCVSLPD/\7*@\],<8H ]1GC@N(VMITCE21<
M-%( P8>X/45E:1-HMKJVH:'I5E#:2V:133I! L:'S-VW&.I^0Y_"O&/$#6MQ
MX+N_%%CI>G6RR7IDM]5O;TOJ,D@GQ\H5!MZ$;=W"CI7H>A:=I</Q?\4SBUMD
MN_LUH\;;0'RXD\PCOS@9^@H [TD $D@ =S0K!E#*00>A!KB/'[VUUJ.@:/)I
MHU*XNYI9(;2XN?)M7V)R9?E;=C<"%P<GZ5G?#$"V\1^+]/C2P@@MY[<BVTZ0
MM;PNT9WA,@<Y S@#D'B@#N;C6;2VURRTB3?]JO(I98@%^7;'MW9/_ A5_<"<
M9&>N*X+Q#IVER_%WPM<7=K;-,UI=%9)%&2Z-$8\$]P6;'U-<GI.FZ'I?PHGU
MZZLYY;Z^EEM))H9_*D=6NRBQ^8>$3Y5!]L^M 'M"NKYVL&P<'!SBF0Q6]ONC
M@CBCW,9&5 !DDY+$#N3WKR/3K3^QOB5:6D>FZ-I+7&D71FL]*F9]RC84,N54
M$_>P<>O-5=,T'3M.\ >!-=M;<)JTE_IZO>9/FLDCA60MU*[3C;T Q0![5N7=
MMW#=C.,\UBZEXDBT>VU&[U&SN(;6SEBC24 -Y_F;0"HSV9@ISCH:\LU>VM=-
MN-:\0RVNFZW90ZHTDE[%.UOJ=FXD'[H%A\P7[H4$9'UJ;QA:VMY:_$!KN&.1
M8=5TUT,JYV92!2>>GRLP^A- 'JTRPZI>7.G7^DB:TB6.1);A$>*5B3P <\K@
M=1W&*T%93D*0<<'!Z5X_XG<Z9<^,UTIS;6L>FZ5'NM>/*MS(ZN4QT CW<CH*
MV9=-T30/''A1/"L5O;O>"9;J*T;Y9K81$AWQUP^W#'DD]30!Z1N7=MW#=C.,
M\TM>&Z9H.G67PJ\,^(H+<+K*WMHPOLGS<-<!"N[^[M.W;TQVKU/QQQX \1_]
M@NY_]%-0!O!E+%0P)'49Z4;EW;=PW8SC/->3P6&B:9'X#OO#AA_M.]N8DEFA
M?,EW T3&8RGJX& <G[I Z5S$-G>WWA&_UV\/A^UU5;N4RZM<W<PO;6=92%7:
ML9*XP $!P1CCF@#W\L 0"0">![U4TZ]DO-,AN[FTDL9)%W/!,1NC]B0<5PFC
MZ#8ZO\3_ !'?:K;I<W5B+"2WW$[8I/*R64>N5')&>*YGP;;66KKX,TO7ECFT
MLZ))-;6UP?W4UR)L-D'AV5#D YQDF@#VW(QG/%83W^FWOC&/2I;&.:\M;(7T
M-TZ*VQ7<H0IZ@_+SCVKS"8P1M=:-#,?^$.7Q/!;,1(?*6,P[GAW9XC\[:,9P
M,XKI_#VFZ+I7Q>U.UT5(88AHT1EMX#\D3F5N HX7(P<#USWH [#4=<AT[6]'
MTR2)VDU-Y4C<$83RXS(<_@,5J!@P!4@@]"*X#X@VNF7WBOP7;:N4^Q27=PK*
M[;5<^2=JMZ@G QWSCO7(^(F;1XO%VF^'7CM]#2YT])UCD*0VS2,1.H9<[%*[
M-VWIN/% 'M9E01L^X%5SDCG&*IZ+J]KKVC6FJV>_[-=1B2/>,-M/3([5YKIF
MA"T\6Q6)MO#EE:W>FSBZTS3)995NH\#;(RF,*,'C<3DAB.:Q]%GL/!W@;P?X
MOM(H4BCM9K;4/) _>-)'N4MCOYD2#U^:@#W'-)N4,%+#<>0,\UXGX?LKVUU"
MQ\ 7KR2R/?0:S<L_>$1"20'V^T+C\:SQ9W>H^'=<UJ_&@0:C%>7 EU2[O)EO
M+*19"$"A8R5"@+M53R,>M 'OC,JXW,!DX&3UH) &2<"O'+FSO]?\;ZW#JUGH
M&H-:6EMY4>K7$D2QQM$"\D2A#@%]V6X(P!Q1IFFQZY=?#ZSUBZBU:W-IJ671
MI&CN$5H]@;>%+@ +U&"5!YH ]C!# $$$'H16=)K=I'KPT8[S=FS:\P%^41JP
M7KZY/Z&N;\ 6T.FZCXKTNT3RK&TU7%O I^6(-#&Q"CL,DG'3FJ>H:=I9^-$-
MS/:VWVAM#>5)'4;C*)54$'^\%R/I0!UWA[7(/$6@V.K01M$EY")EB<C<H/KB
MM,LH(!8 GH">M>(:3X?TS3?AEX.UZUMECU<WUB3>@GS2KS!60MUV;21MZ8I;
MFQN-9OO&5WJ5OH$DUI?31BZU*[ECN+*%0/*:,*AV#;A@5/))H ]OHK*\,O<R
M^%M)>\N4NKEK2(R7"!@)6VCYL, >>O('6M6@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH *K3:=8W,SRSV=O+))";=W>,,6B/)0D]5/ITJS7&7EY-;?%.5E6>=(O#KRB
MWB.2["<< =-QZ"@#JO[/LMUJWV2#=: BV/EC,.5V_)_=^7CCMQ3'TG3I'=WL
M+5FDF6X<F%26E7&USQRPP,'J,"N2M_&^J0:[I%AK&F:=;+JDABCCMM0\V>W?
M86 D0H/3!() --TCQWJ.M:AFRTJRFLEO&M984OQ]M@"N4,KPE0 O&<;LX.>:
M .U%I;+>/>+;Q"Y=!&TP0;V0$D*6ZX!)./<U3N/#^C76EIIEQI-C+8(<I;/;
MJ8U/7(7&!U/YUSG@O4=;O?$GBN+4EA-M;ZAY<16Y9S'^ZC(15*@!<'=G/4D8
M[UH:QXBU&/Q%'H.AZ=;W=]]F^USO=7!ABBCW%5&0K$LQ!P,=LT :\.C:7;Z6
M=+ATZTCT\J5-JL*B(@]05QCFH+/PSH.G0O#9:+I]O')&T3K%;(H9&^\IP.0>
MXKB_"FNZQ%X=U2YBTF2XU";7[J(V\UQM2U&[)+R8.$7&. <\8'-6!\1+V"T\
M0"YTRSN+S18HKF46%[YL4D+D[B&V AE"L2I';KS0!UE[X8T#4FMFOM%T^Y-L
MH2 S6R-Y:CHJY' ]J?/X?T6ZL7LI])L9;224S/ ]NA1I"<ERN,;O?K57_A(D
MF\466CV<2SI-9-?37 ? BCR%CP,<[B6[CA34?B'Q#<Z;J&G:3IEBE[JFH>8T
M22R^5%'&@!=W8 G W*, $DF@"W?>&=!U.]CO;_1M/NKJ/ 2::V1W7'3DC/%3
MWMF^VXN].ALTU5H?*CGGBR, DA6*X8KDDX![UYUXS\5ZS<^"?$FG&QBL=7L#
M"EWY=VVWR93\LD3A,G."N"%QSSQSWFC:?)H_AF*TM+"VMYXHV*6JW+O$'))Q
MYC+NP2>NWC/2@"/PMH+>']*DBGF2>]NKB2\O)HTV+)-(V6('8#@#V K5N+2V
MN_*^TV\4WE2"6/S$#;''1AGH1ZUX[I^N>(YO#G@2]FB%Y>S:I,L:B\;-P#'-
MS(Q7Y0#G@;N%&.>*Z]_B!-I5GKPU[3(X+[2/(S':W'F1W'G<1[695(RP(.1Q
MUH Z6^\-Z'J=]'?7^CV%U=QXV336Z.ZXZ<D9JU/IEA=22R7%E;RO-";>1I(E
M8O$<Y0DCE>3QTYKE]'\:7,_B&TT;5K;3HYKZ-Y+633[_ .TKE!EHW^52K8Y!
MY!P:B^)M^^FZ?X?NE^T%4UVT+I;J6>1<L2H4<MGT[T =)J/AW1=7AAAU+2+&
M[C@XB6>W5Q&/1<CCH*L3:9I]SIXT^>QMI;(!0+=XE,8"D$#:1C@@8^E>=>*O
M&,>J3>'+6UT_7+-FUVSW275A+;HR[^5+, #GT[UMS^,-:N9-6N-$T*"\TW2I
MG@FDFNS%+.\?^L$2A"#MZ98C)% '7?8K3[>+_P"S0_;!%Y(N/+'F>7G.W=UV
MYYQTS42Z3IR,C+86JLD[7"$0J-LK9W...&.3D]3DUP$OC&RM_%-WXD\R:32_
M^$7@O4B'5MTSX&.@8Y I]UJ?B.;QUX,CU?2X;"*:>Y<?9KPRC_CW?]W("J_,
M.#QD'GTH [/5]':\L;[^SI8K#4KJ-4-X+=7)VG(#@_>7DC![,<8KGM \%7%E
MXAM]7OH]&M?LD4D<%KI%H84+2;=\CDG).%  [>IK-TGQC/;:-X=M-&T/SIM6
MGOHXHI[YL1&*5R69RI)4_,>G' &:OCQ_<VMAJ<6HZ0JZU8WL-@MG;W&]+B68
M*8MKE1@$-DY' !H [&^L+/4[1[2_M(+JV?[\4\8=6^H/%5K30-'L--DTZTTJ
MR@L9<^9;QP*L;YZ[E P?QK#TWQ-K7_"70>'=9T:VMI9K.2[6YM;LRQL%9%V@
M%%.?FY_#&<\1>-[J[GU+P]X;M;J:S36+J1;BX@;;((8HR[*K=5+8 R.<9H Z
M#3O#NBZ.5.FZ38V;(&"F"W5" V-W('?:N?H/2DL_#FB:?J$NH66D6-O>2YWW
M$5NJNV>N6 SS6)!X"L])U6QO_#]U<::T4O\ I41EDFCNXL'*LK-][."'ZCWJ
MG+XXU>6QU#6]-T&&YT&PDE1Y6N]D\ZQ$B1XTV%2 5; + G':@#KAI.G#3TL!
M86HLHR&2W\E?+4AMP(7&!@\_6K,T,=Q#)#-&DD4BE'1QE64C!!!ZBN+F\:ZI
M?:O>6'AW1K>]2WLH+[[1<79B1TE5F"@!"=QV\=NN2.\.G>/]1O4T#4IM"CM]
M&UJ9+:&0W>Z=)&4E2R;<;25(X;.,' Z4 =%;^#?"]K<1W%OX<TB&>)@\<D=E
M&K(P.000,@@U/)X;T.;5EU631[!]14@BZ:W0R CH=V,Y]ZY0^/-;>QU?5H?#
MD+:5I%U<07#&\(FE2)R&>-=F#@#."1DY Z9.GJOB?54E#:3IUBUB+=)_MVI7
MIMHI=P)"QX1LG&"2< 9% &UJ?AW1=:DBDU32;&]>+_5M<VZR%?H2*M_8;3[1
M#/\ 98?.@0QQ2>6-T:G&54]@<#@>@KB8OB'=:C9>&7TG15GN=>CG*1RW6Q(&
MBQNW,%.5^]R!G@<<\/'CZ[M;.Z?4](C@GT[5(;'4?*N2\<4<H7;,K%02/G7(
M(!&30!T\WAS0[A)$FT?3Y%DD>5P]LA#.XP['CJ1P3U-.AT#1[?26TF'2K)-.
M<$-:K HB;/7*XP:Q-8F_X2F_UCPE$ACA@M87GO!(08Y'?<J #'(5=V<XY4$$
M&J6H^.=07Q)J6DZ5IMA<RZ=LWV]S?^1<7.Y _P"Y3801@XR2,GB@#IK#PYHF
ME&(Z?H]A:F'<8S#;HA3=@-@@<9P,^N!1:^'-$L=2DU*TTBQ@OI,[[B*W59&S
MURP&>>]7O./V3SS&RG9O*-U'&<'%<'I_Q U>;0M,\1W^@0VNAWKQ1LZWA>:'
MS&"K(4V %-Q X;."#CM0!VG]CZ9]BALO[.M/LL+B2*#R5V1L#D,JXP"#SD5/
M=6EM?6LEK=V\5Q;RC:\4J!E8>A!X-<:GCJ^-_K<KZ/%'HFB3317EZUU\YV1[
M_DCV\GD @D?>%1:?\0KE[S2O[3L=.@M-5E6&#[-J(GF@=QE!*FT8STRI."0#
M0!W@    P!T K,U+PWH>L7,=SJ>CV%Y/%PDEQ;H[*/0$CI6"/';_ /"+?VA_
M9P_M3^T?[+_L_P [_EX\W9MW[>F/GSCI5*+Q9%I@UA++2Y)M0G\0-I\$#71(
MGF,2,7+$'RT"@D@ XV^] '<"SM5NUNQ;0BY6/R1,$&\)G.W/7&1G'2H9-'TR
M:SN+273K1[:Y<R3PM"I25R<EF&,$D\Y-<K<^.-0T>/6+;6])@BU&PTV34H5M
MKDR0W,2<$!B@*D' (([@UL7?B0VM[X;M_LH;^V9&0MYF/*Q"TF>GS?=QVZT
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MWAG0;C55U6;1=/DU!2&%R]LAD!'0[L9R/6K,NDZ=.EVDUA:R)>8^TJ\*D3X
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M)_(5:H **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M>Z\.:]>:K<>'+;45OI_M%Y=B0W]M*)"(]FWYA@;=@7@C'')KWA;"S6"&!;2
M10,&AC$8VQD="H[$>U0RZ+I5QJ"7\VF6<EZF-EP\"F1<=,,1D4 >>6]OHMYX
MP\1#QI]BFFBLK7[,U\ H$'E9D>,-@K^\WY(P0<=*W_A3L_X5EHGEEBGER;2W
M4CS'QFNGO-*T[49(9+ZPM;EX3NB:>%7*'U4D<?A4\$$-M"L,$211+]U(U"J.
M_ % '@/BB>RO?!>OZS:V&A6@>[F*7%Y*TVIM,LN,C@&,Y'"Y.U>V*]E\4RWR
M^!M7FTTN;X:?*T!C^]OV'!7W]/>KIT'1VNIKHZ38FXG4K+*;=-\@/!#'&2#[
MU?5510JJ%51@ #  H \NM8/!]GI.@7'AU(/[=EM)!8-8X,LKF!BQFQRRY'.[
MHV.]8IA\.Q?#;P_?Z/\ 9?\ A*GGM#%-&1]KDNFD7SE<_>/63<#QC\*]?M='
MTRQNI;JTTZTM[B;_ %DL4"H[_4@9-$>C:7#J#ZA%IMG'>OG=<K HD;ZMC)H
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MG3;!M/\ [/-E;&RV[?LYB7R\>FW&,5&-%TI=-.FC3+,6!ZVH@7RCW^[C'Z4
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M10 4444 %%%% !1110 4444 %%%% !1110 4444 %,FABN(FBFB26-N&1U#
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M6YNS'PQ4A@$R00N5;..<9H ]4HJII>H0ZOI%EJ5OD0W<"3Q[NNUE##/X&K=
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MGE&.6Y16#X!P03P<,I_$>M2VOB'1K[5)M,M=5LI[^$$R6T<ZM(F.N5!SQ^E
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M $>WF/RT*\G/.<Y[5S]AX!OM$L=#DTC5H(]4TNU>S:6>V+PW,3-N*LH8$88
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MAJSXTOM*\4:/KO\ PBML;Z[6PA%SJ%DN^-H1,K-!P1O;8'.T=LC(SBO6J0
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MK1-K&I?VAC2)=)E @$0DC=P=W!."  /UIMMX)OWETN+5_$,FH:?I<J36MO\
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M+G"LK#DCKM' R:U8=/UZX^)>MV]CKD=I(FEV7VBZ-HLCR.#+C"D[5!^8GKV
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M6P5VP.BO'OR3EB'7ICD]* +$GPX@O+?6QJ6LWUY<:Q' LT[!$,;0L60HH&
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MPT&#3]<U;5(Y7:341"'0XVIY:E1CZ@U7L?&.@:C;7MQ;WXVV,9FN5DB>-XD
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M2-YY)#%&=CB.1QU59"-C-P> 2:OZ_?2Z9X<U34( IFM;26:,.,J65"PS[9%
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M(Y1&!N*C!Z \/D5Z]6#J&F:7XN@MKJ"_F22SF?R+RQFVO$XRCJ#R#W!!!'%
M'/>";^/4_'_C.\ALY[:.1;' N(3$\F$D^8J>1GMD XQ79:RC2:'J"(I9FMI
M% R2=IXJMH?AZST%+DP27%Q<W<@DN;JZD\R69@,#)]      *UJ /%X]&UBT
MT7P]9V=E=*OB'1+72]0*QD&V9-N7?^Z?*>9?J%J76_#^I2+XC:RM+R."U\06
M=V%MH09'@CAC!,2L"KE3R!@@E<5ZW9WUKJ$3RVEQ'.B2-$S1MD!U.&7Z@@BK
M% 'DT"37NJ:AJVG/KGB">TT>XB1M3LT@@E9\$0;/*1I"2N2.@Z=35&.2^U*_
M\'.MYK-^+;487N(3I7V6ULAY;+M \L'()Q]X@ '/45[/10!XV[7FG73VVA#5
MX[LZEN?P]?V!N+4YFRTB3;,(F"9 P;@UH75])HT/CS1YM-U&6^U.XGGL4@M)
M)$G62W100X&T8*G.2,5ZC+-% @>:1(U+!078 9)P!SW)(%10WUK<7=S:PW$;
MW%L5$\:MEHRPRN1VR.: .#\*Z=<1>,-(N)K.5!'X2MH#(\9 5_,RR9/1N!D=
M:Y$:==6&B:SX>U*]\3&[N+JY']G6=C&\5ZLKL0ZRF%L AADL^5(/3 %>Y44
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ME09Y".#[8KJ9IH[>"2:9U2*-2[NQP% &2367=^*-#L8]/>YU2VC74<?8\O\
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M(C(ZVD2LK#!!"#((K1J.">*ZMXKB"19(94#HZG(92,@CVQ4E !1110 4444
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M:]L-'%Q-<2R%B-P6-D10H Q@$G//%=_J^B6^LR::]Q)*AT^\2]B\L@;G564
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M4.X=1QZTGAOQ9?)JD$.K:Y??:C:R27.EZIIJVSEU7=FW95 8#!X+-QS721^
M[:35)=3U+5=1U&[FLI+"9IV15:%R"0%15"X(X*X/)SGC#K#P1';7]A<W^M:E
MJB:<&%E#=^7MBW+L))5%+G:2,L3UH X?3_&WB6ZTVQUV)]9NY[B2.1]*CT-_
MLODLPR$F";LA3G>6()'3!K4U2X\0>)M#\87MMK/V*TL7N[&&Q%NC)*L2E7,C
M$;LL<XVD8XZUNP?#RVMT@LEUG53HL$PFBTHR)Y2D-N"[MOF% >0I;' I^I>
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M!"S&/:K>A.#CZ56\,:?J9T_P'9RZ5J%M+I%Y<179EMV4)F"0!P>A4E@ W3-
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MFUBD@94\S&0I) /U;'6I_B%87\7B2V32\K_PD\']CW14X*8;?YN.^(C./RH
M]#TS4K;6-,MM1LG9[6YC$D3LA4LIZ'!P>:MU';V\5I;16T"!(8D$:(.BJ!@#
M\JDH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBN&\7ZG(/$-MIL>KZK$/LIF:QT6U
M\RY<[L!W<JP1."!TR>_% '<T5Y5H7BK6EM-&OM1O9S:0ZW=:3>?:$19&4Y$+
M2;> RL%4XX^;O5/3/&?B"]TZ\L);MH]2U>^M9=*?8 T-I<L2,#'.Q(I#DYH
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MW&I76A//HC7E[';HF_SEE5>-P. 2<_3CO0!Z=56UU&TO+J[MK>=9)K.01W"
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M"L\:C+,I/H""0<''.* 'ZGX,LM0U2?48;_4M.N;I%CNFL+CRQ<!1A=P(/('
M88..]6+/PGI.G7>ESV<+0#3+:2UMHT;Y0CE2V<\DY4<Y]:I:?X\TG4+NTB6#
M4((+YMEE=W-JT<-RV,@(Q]0"1D#/;-5KCXEZ';F[8P:D]M97+VUY=1V;-#;.
MK;3O;TSSQG@@G&: .BUO1[3Q!HUUI5\'-M<IL?8VUASD$'L00#5;3/#=KIFH
MMJ"W-W<W;VL=H\MS('9T1F8$\#YLN>:P+KQE<#QGJVB>3<0VEMI8N4NTMMVQ
MSO)<DG!7"@#U.16QX<\1VFJ1V]B+J6>\73[>\:66$1>?'(O$@ X&2#D#H>*
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M <[0TC,0N>PXH X>2WUS5_!ND^#7\/7EI=6[6L5U>2;/L\:0.A+HX;+$A!@
M9YYQBJ6OZ;XCU6'Q+97MEXAN;V=YX["*TN%@L?)(Q&S%6&XX^\K9)/&,5Z]1
M0!Y@?#^J.]R[Z$+V.3PM:6AM;A_+6657<O$6[, >OKCFK7@^SU:V\31BQC\0
MV^@"V<7%OK<@?9+E=BPDDOP-V>=O2NNU/Q+INDZI9:9<-.][><Q0P6[RG:"
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MJ"6&"%SP!T.:Z34O NC:G?7=U(;Z'[;C[9#;7DD45S@;?G52 >.#TR.M.NO
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M:A;VXBGALQ8QA#A5A#;@H7IU K*\>Z#/XD\+G3((5F+W=L\B,^T&-959^?\
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M<[MWE9V]><8QGM3[_P !Z)J-Y=SR?;8DO6W7EM!>21PW)P!ET4@'( !]>^:
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M1+"L+ R,4V@DC"YP#SUZT 7**** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MUK'N$ /_ "T?T4=S6J2!C)ZT %%)D9QD9]*4D#J<4 %%)D9QGGTHR,XR,^E
M"T4$@#).!61XA\2:;X7TZ.]U*1UBEF2WC"(6+R-T _(\GCB@#7HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M::/9V^EE#810JEN4DWKL P,-DYX[YJ[4-K:6]C:16MI!'!;Q*$CBC4*J*.@
M'05-0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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MBN()HS)%-'(@X+(P('XUY-XJC\-6"WEGHI^SV,E]8#74M#MMH[=G(/W>%)
M;&/EQFI-=L]*LO$LMIX4AM8TN- OCJ,%@%$94(OD,RKQNW%@#U(S0!ZOO3"G
M<N&^Z<]?I3#<P+(B&:,.Y(52PRQ'7%>72ZOIUUH7PPM;>]@FG-Y:/Y<<@9@%
MMW5B0.F"0/K61<^']*E^&_C?69;*)]3AU+4)(;MES+"4F8KL;JH!YXQR3ZT
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M:1%C R7)P,>N:\BUA;74/%GANUT]-&F\/_V)YFF0ZJ6^S.X8 [1R&<1[.#R
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MCG% '>V]O!:6Z6]M#'##&,)'&H55'H .!4=]I]GJ=JUK?VD%U;L<F*>,.I_
M\5Q>N>.;^S\2RZ+:1Z3:SPVT<ZIJMT86NF?/R1$#;QC!.3R>G>JGB;41/<ZI
M'/I@MK^3PA<W#R&<LT7.#%P=IP3G</3TH [B/0])BA,,>EV21&+R"BVZ!3'G
M.S&/NY)..E6GM;>26&5X(FD@R8G* F/(P=I[<<<=JX'0?$>O:3I?A?\ MG3;
M./3-16"SB>&=FFA=D_=F0$ '=C!QT)[UEZ/XN_X1WPW;VL9M/MNHZUJ$<+WU
MQY,$:I,Y9W;T P !R20* /5^M16UM;V=NEO:P100(,)'$@55^@' KF?"7B_^
MWK_4=+N'T^2\L1&YFTZX\Z":-\X*GJ""I!4]..>:ZN@"E+I&F3P7$$VG6DD-
MRV^>-X5*RMZL,?,>!R:6/2=-ATXZ=%I]JEB05-LL*B,@]1MQBO+/$,&BW'Q6
MUA=:T#4=81;"U,26=N\OE',F20I&,\?E6TFJ:9X/\%7NK^'O#%W9G[7#"UG>
MQO \I9T3(W$\8?@],B@#N;32--L+)K*ST^TM[1\[H(851&SURH&#FC3](TS2
M(WCTW3K2R1SEUMH5C#'U.T#-<=<^)?&5OJ]AH0TK1GU6[MYKDL+F3R(E1E R
M=NXY#8X'7':GMXL\1WT>JWVCZ383:?I<TD$BSW#K+=/%_K/+PI"@'(&[KCM0
M!U-OX?T:TE:6VTBPAD:02EX[9%)<9PV0.O)Y]S5@Z?9&VFMC9V_V>8LTL7E+
MMD+'+%AC!R>N>M<<GC35M;UB"P\-V%D\=QI4&IK<WTK(J+(S#:54$D\#]?;-
M5_B6_P#8.CR&VLK35=2N)[8K>77EV\!@8K([/C)&0,#J=PH [F?2M.N;B.XN
M+"UEGC0QI))"K,JD$%02,@$$@CWJ2*RM()$DAM88Y$B$*LD8!6,=$!'11Z=*
MX.'XFK'8:LD\-E>ZG8R010KIMT)(;MIVVQ[6/W?FR&!SC&><UI)XFUO2]9M]
M,\0V-@KWT$TMI-8RNR[XUW-&X8 _=R0PZX/ H TM>T"XO;*.+2)K2S*S--+!
M/:B6WNMV=PD0$$Y)SD'.1WJ'PMX7ET.YU"_NY[:2]OO+5DL[?R8(8XP0B(N2
M?XF))/)-4U\9SGPAX9UK[''YFL7-G"\>XXC$Q )![XS6?%X]U.]U^]LK&VTE
MS9WQM6TZ:\\J]D0,%,JJP"XQ\P'<=\T =_)&DT3Q2HKQN"K*PR&!Z@CN*2.&
M*&!((HTCA10BQJH"JH&  .PQ7FR:_-X=U_Q;?^2LMHNMV<-TS,1Y,3P1*7'T
M)7(],UV-GKDE]XNU+2(85-KI\$1FGSSYTF2$ ]D )_WA0!;ET'1Y]/33YM)L
M9+)#E+9[=#&IZY"XP.I_.I'TG39--&G/I]HUB!@6S0J8@/3;C%1:_K$'A_P_
M?ZO<_P"JM(&E(S]X@<+]2<#\:\X^'MT=!\2P:7=:G%=R>(++[?)LF#[+U3F9
M."<95E/_   T >EQ:-I=OIS:=#IMG'8L"&MD@41G/7*XQ43^'=$EEMI)-&T]
MY+50D#-;(3$HZ!3CY0/05QFH?$R73/#UI>S:<C7O]IRV5[;JYQ"D3-YL@/<!
M0K?\"%;%WXJU$W>NPZ9ID5TNFR06ZR/.(T,C@,Y=CT1%9"<9/)H Z"31M+FM
MH[:73;-X(Y/-2)H%*J^2=P&, Y).?>FRZ'I$^HKJ,VEV4E\F-MR]NAD&.F&Q
MFN*M_B'=QW&N6=S_ &/>W&GZ5)J4<NF71DC.S(,;@\JV<?@:FC\8>)#8Z69=
M)TY;_7)%&F0"X<B./RS([3';QM4#A<YSB@#N!:VZRS2BWB$DX"RN$&9 . &/
M?&3U]::-/LEAMXA:0"*V(:!!&,1$# *C'RX!(X]:\SA\2WOAOQ)XUU?Q!:Q+
M+9:?8X2UE)CF):4(5+ %<LP!ST(/6M73/B$XUNRT_5KC0I5ODD,<FE7WGF!T
M4N5D'H5!PP[C&.: .PET/2)]1749M+LI+Y,;;E[=#(,=,-C-6DMH(YY9TAC6
M:4 22*H#/CID]3C)Q7E7B/7_ !#KO@_3]5;3;2#1K[4+-X=L[&XCC-PA1W&-
MI#8' /&X=>:]:H HR:/I<EK!;2Z=9M;P.'AB:!2D;=BHQ@'W%&FZ5;:6UZ\&
M=UY<M=2D@#+L .  .RCW/4Y))KA?#VA:=XZFUC6O$EO_ &@5U&>TM+>9B8[:
M*)M@"IG 8D$ENO-:4IF^'VBQV-E)+JCWVHBVTJUN9"!!O&1&9#DE%"L<]<<4
M =G+%'/$\4T:R1NI5T<9# ]00>HJO::7I]AL^QV-M;[(_*7R853:F2=HP.!D
MDX]37(7GC/6-"_M6TUNPLOMUOI<VI6DEI*QBG6,?,A##*L"5]<@^U0#QAXK%
M_HUL^BZ8#KD+O9 73Y@*J'/G';S\I)^7N,>] ';/I>GRVDMI)8VSVTS%I(6A
M4H[$Y)*XP23S3K#3K'2[86VGV=O:0 Y\JWB6-<^N ,5PS^/=8@TB7?I%K-J\
M&MII#PQ3L(I&8!E=6(R!AAU''-6Y_&]YX>N-2MO$]I;)):Z>VHPRV+LR31JP
M5DPP!#!BH]#N[4 =K+%'-$\4J+)&ZE71QD,#P01W%,^S0"U^R^3']GV>7Y6P
M;-F,;<=,8XQ7!:7\1)WU;2K?4I-">+5)/)C33;_SI;:0J659!CD'&-PX!QZU
M GC_ ,0GP[_PDSZ/IZZ-#=&"9?M#^>ZB;RBZ#;M&#V)YP>G% '=W>C:7?V4=
MG>:;9W%K$ (X)H%=$P,#"D8&!4HT^R6*WB%I;B.V8- @C&(B 0"HQ\IP3T]:
MXG5/'>I1>)]2TC3X=($UALV6E_>&">^W*&_=9&T#G:"<\CG%:7B#Q%K%A=K%
M;Q:1I]L(%E:[UB\$:,YSF-0OICEB<<C&: -RXT#1KR\:[N=)L)KED,;32VR,
MY7&,%B,XQQBIY=-L9O.\VRMI//"K+OB4^8%Y4-QSCMGI7FTGBS6O$;^ ]2TQ
M+:WCOKNX66%KARCND<JD$J/F3Y2P]\?6K]GXJ-DMW9Z1I,)U.^\0W5G#$\["
M-F3YI)G)R0,#)51Z 4 =[-:03R+*\:>>BLL<VT;XPW7:>V<#\A7$0^ ]3N+V
MS_M74=-GM[6YCN7GM]/\JZO&C.Y!*^XCJ 3@<X[4FI>.]4\/VFN0:QIUH=3T
MZR6_A^S2L8;F(OL/494AN".>HK0L_$>O6_B?3-,US3;&&+58I7MFM9V=X6C4
M,4DRH!X/4=Q0!U]5-0TO3]6@$&HV-M>0@Y$=Q$LB@^N"#5NN:UNZ@A\;>%K>
M2S66:<W?ESF1@8=L0)P!P<CCGIVH W;2QL]/M5M;*U@MK=>D4,81!^ XJ&PT
M32M+EEET_3+*TDE_UCV\"QE_J0!FN$L?'_B&?P_I?B6YT?3X]&N[B*WD1;AS
M.H>3R_, V[<;C]W.<=QV])H K+IUBMM%;K96X@A</%$(EVHP.05&, @\Y%97
MBOPU%XD\/:GI\;16US?0"%KKR@S!0V0#T) YXSWKFO$OCS5_#ZZA>S6^B6]K
M9R,$L[N_VW=TB_Q(!D#=_"#DGOBKMWXJU^[\0ZAI6@Z;82"TLX+LSWDS*")
MQ"84'D[>O08- '56>D:;ITTTUCI]I:RSG=*\$*H9#ZL0.?QJ"/PWH43S/'HN
MG(\Y!E9;5 9"#GYN.>0#SW%<AIOCS6KRW\.ZO<:39P:/K4Z6T:K<,UQ&[JQ5
MC\H4J2IXZX(/L)'\::]<:5?^(M.TBRET&RDE&V2=EN;B.)BLDB#&T?=; /)Q
MVS0!W"V=JHG"VT(^T',V$'[PXQEO7@ <]JP=8\-3ZMJ.EPFXM8=!L7CG-DEO
M\[R1D[!NS@(/E. O\/7!I^B>)AK7B#4K&&)?LMM:6ES#-DYD$P<\CM@*/SKG
MK?Q[J^HV?AD:?I5H]YK?VL8FF98X?);&XD DC&>,=<#WH ]"JM?:=8ZI;&VU
M"SM[N G)BN(ED7/K@C%>:>*/%/B&Y\&:[;&*UL]5TO4;6VN7MYWV.CO$RLAQ
MD9W@$'L6^E:FJ>.-6L]?ET2--#@OK:UBE9+Z[:+[8[ DK 2,8!&,GOVH [6+
M2M.@MH+:&PM8X+=Q)#$D*A8V'1E&, \GD>M2265I++)+):PO)+'Y,C-&"73G
MY2>Z\GCIR:6TEEGLX)9X#;RO&K/"6#&-B.5R.#CID5S-YXAUN[\2:AI/A^PL
MIAID<;7<EY,R;W==RQIM!P=N"6/'(XH V[/0-&T\(++2;"V"/YB^3;(FUL$;
MA@<'!(S[U8BTZQ@,!BLK>/[/N\G9$H\O=][;QQGOCK7EGAKQD^A^!?"^G1FR
MBU#4!<OYFI7/E0P(DK;BQZDY( 4=>>1BG>(?&^I:OX*UF*PFL$U'3KVTBN9[
M*[9XI(Y)%VM&ZC/)^5E/0;NM 'K510VMO;Q&*""**-BS%$0*"2<DX'<DDFN&
MU/QW>6^MRZ)#-H%K>65O%)>RZC>F*-I'&1'$,;B,<ECTR.*A7XAZCJ\'AU-
MTRTDN]86Z5A<W!\NW> J&RR@[EY;! Y^7IF@#M;#1-)TJ6273M+LK.27_6-;
MVZQE_J0!FECT72H=2?4HM,LTOWSNN5@42MGKEL9KB;KQKXH1?$+VVD:8T>@
M-=-)<N/.Q"LC+'A>HRW)_P!GCKB_IOBW69=<T.'4=-LX+#7(I)+3RIV::$K'
MY@$F0%Y7^[T/'/6@#IFT327U,:D^EV37XZ71MU,H_P"!8S^M.N]'TR_NH;J\
MTZTN+B#F*6:!7>/O\I(R/PKS_0_%=['HWA/3M T6T1M6ANW1)KE_+M_*<<EL
M%F!W'CKG X'(NR_$6YTW1-1;5;*TCU:SU)-,")<;;>21U5D?>PRB;6R<CC::
M -N_\&V%_KVG7DL%HUA:6DUL;![=6C;S&1@<=!C9TQWK2OM T^]T==*,"0V2
MO&PBA154!&#  8P!D=L'T(/-<A:_$J.TN+^WU>;2;DVVGR:@D^D77G(ZI]Z,
M@\J_(QV(/;%4M6U#Q+>:KX*FU?3[*VMKG54E3[-.SO$3#)B.3( )P>HXRI]C
M0!Z?5&]T32M3GBGO],LKJ:'_ %<D\"NR?0D<5>KSBS\?>(&\+V_BN]T>QBT0
MR!9D2=C.L9?890,;< \[>N.<]J .YGT72KJT>TN-,LY;9Y#*\,D"LC.3DL5(
MP23WJ>TL[6PMDMK.VAMK=.%BA0(J_0#@5@6OBB:XA\4R&V0?V+/)%& Q_>A8
M5DR?3EL5CKXSU_4KW1K#1M+L'N;_ $:+59'NIW2.(,0&7Y02>H _/M0!TGBG
M03XDT3^SA.(/](@FWE-PQ'*KXQD==N/QJY9Z-I>G13166FV=M'.294A@5!)_
MO #G\:XRR\>ZIJ6N7%K9VVDN+>^:TDTZ2\\N^V*^TRA6 7&/F [COFMRU\3S
M7$7BES;(/[%G>*,!C^]"PK)D^G+8H WFLK1['[$UK";38(_(,8\O:. NWICV
MJ"VT32K.QDL;73+*"SESYEO% JQOGKE0,&N6G\7:O+I.CWEM;Z590WNGQWDM
MYJ=WY<*,P!\I0/F8\YR< #UJC!\1K^^T+1KJQTVTN+V_U.73&5;HF'<@?]XK
M@<H=@/3H3UH [\VMNTT,S01&6$%8G*#=&#U"GMG Z>E8NO>%;;61IZQB"!+?
M4TOYU\D$7!"LI#=.2&')STKD/$OBCQ$?"OC+3;B*TM=5TNS2;[1:3N$:*16^
M9"1N5QM(_K7H6CF[;1[0WXA%T8QO$+$I[8) /3% #K+2M.TVU:UL;"UM;=B2
MT4$*HASUR ,5%'I%G8VY&E6-C9SI$Z0,ENH6/<<XPN/E+8) (S7&76NZGI/Q
M*UZXO)(3HMAHT=T\8D<LJ RG*KC;O)7!]@.:M1>+?$%DFDZAK>E6,.EZI/%
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M)+::IXR\-O9>)K+4I+1)66+2]*$0AA,9!29O,/EKG&%(SN XKT_5/^01>_\
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MOS[BZB;_ %1B)D4O\N H ^4CM0![I16=X?@EMO#FF03R322QVD2.\Z;)&(0
MEADX;U&3SWK1H **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "D95;&Y0<'(R.E+10 8'I
M1110 445QLVK^(]7\2:Q8Z%+I]M;Z08XW^UPM(;F9D#[<AEV* 5&<$Y/2@#K
MXIHKB)989$EC;E71@P/T(I]>,Z#XRDT+P5X/T6&\L].FNK*2>:\NXFE6%%?&
M%12-S$GN0  :UD^(FKSZ'<"Q&GWNI6^JVU@EP(W2WN4F(VN 3E3R01DX([T
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MFO,5\12ZQXB\(7.HPQP7EAJ.I6EXL))3S(H'#%,\[2,$9]<52\0:EXFU_P
MV>NW#Z>FEW]Y9RK9)"PE@B-Q&8V\S=AF/RY&T#GCIR >N)-%([HDB,\9VNJL
M"5.,X/IQ3Z\UU+Q3?Z3/XEDTRPT\74>MV=FI9"OG>:D0S(0>6^; /8 <&K<_
MBS6O#&IZI:^()+*_CM](DU6*2T@: _(VTQD%FSDD8.?K0!WVU2"-HP>HQUH
M"@   #H!7 2:UXRTJ?P[-J4NDSVVKWL=O-%#;NC6N]6;:K%SO^[C) Y'3GB_
M\2[FXB\,V]G!.]NNHZA;6,TT;;6CBDD <@]LCC/O0!TL.K:;<W;6D&H6DMRG
MWH4F5G7ZJ#D5;9%<890P]",URNH> /##Z;!#;V,&E-:.DD%Y9HD4T+*0<AR.
M_0YSG/-5CJWB77M:UFWT"XTVSM=)E%MNN[=YFN9MBNP.'78@W*,\GJ: .S(!
M!! (/8T!0%V@ #I@5YS:>-==\1W'AZVT>.RL6U.QN)[A[F-I?L[Q2*C;0&7<
M-V0,XZ@]L&FWC'QA#X:U#79FT@1:-?/97,"0.3=[)0C.K;_W?!X&&Y!YYQ0!
MZDJJBA54*!V Q0JJOW5 YSP*XE]4\6:KXJ\0:9I-QI=I:Z6T(BDN+9Y6F9XE
M?8<.,#).6Z\CC@U1F\=W=[X>T/44U#2-!AOHI#<3WY\UEE1MICBC#*7^8-SG
M@ <<T =?X<T&#PYH=MID$C3+!OQ(X 8[G+GI[M6M7E]M\0=;NO#4<]HNGW-_
M_P ) NCB8Q21PRJP!$FTG<OWAD9/0^M7[CQ!XMTRZUW2)'TV_P!1M-,74[.6
M*V>-7&]@T;)O//RD @]QF@#T#:/05#=7=I86YGO+B&VA4X,DSA%!^IXKG+3Q
M6VL>(-$M-*$3V=UIQU*[=P2R1M@1*,'ABQ;.<\(:QOB-8WNH^(O"%K%-8_9I
M+]\17=H9E\P0R'<PW@,,=!Z\Y[4 =VE]9R*K1W4#!W\M2L@.YNNT>I]JGVKN
MW;1NQC..:\H:[6ZOM(5+.UM5@\:SP!;:/8'VQ2C<WJQ[FH9OBM=R6UYJ]KJ.
ME)#;S2+#I$EM(T]Q&C%23*#A7;!(&TCIF@#UZD9%==K*"OH17FFO^/-1M==F
MMH]2TW1;<012V#:I:2&._+IN(,H95C /R]SU-=^;N4:(;PB+SA;>:0C;TW;<
M\'C(SW[T 7<#&,<>E(JA5"J  .@ KRT>._$EAX*TWQ#JLFD(VLM;PV<:PR!+
M=G!9I)#N)9=JEMH /;/>K&G?$#4&GU6P@FM/$-Q!ILE]:2V5L\&]U.#$R$MS
MD@@@\C/&: /2E55&%4#OP*0*@8L%7<>I Y->>^&/%>IZ_/-;0>(=#O9&M'=D
M6TDMY[2;C ,+/N=.3DY4\=>:R_#&LZMH_P *O#DTNKZ/:1W/#7U\I @CP2!L
M+@RR%@>01UZ<4 =[XET!_$5BM@VI3VEBY(O(H47_ $F,]4+$94'N1V)K:1%C
M1410JJ,  8 %>,Z]XJU37_A_XPM!J-E<'36@ OH+5XUN(9,' 0ME3GC.2".W
M.:W];\;WUAXA/A^36]*T^:TM8YKJ]GLI)!-(^<)'&'^48&22QZC% 'I%,6:*
M21XUD1I(R-ZA@2N1D9';BO.M/\>:MXAM]&T_3$L[;5+Z6Y2>Y>-Y(8T@(#2(
MF5+;MR%02,9.<XJ[X'744\9>,UU5K=[L3V@:2W4JC@0 !@I)(R,9&3@YYH [
M*ZU"QLGBCN[RW@>8[8UEE52Y] ">:E5HKF%74I+$X#*P(96'8CUKS36K*[F^
M+=U<3MIUQ!:Z#Y\45Q9%RJ^8W )?AMPSN Z<8[U)H_B'7]0_X1K1]&32M/2[
M\/QW\CM;,RP8*+MC0../F  )X]3TH ]+P/2D95<8901Z$5Y_'XQU@^%;B>YN
M-&LKVSU633;J^N6*6Z*A(,JH6!8D8PF[J>M9D7Q%U*+2O%;1WNG:K)I-E'=V
MMY#;/"DN[<"K(6.<%>JG!S0!ZI@4BJJ+M50H'8#%<1%KWB/2?$>CV^N2Z=-9
MZM%.VRV@=&M6CC\S&XL?,& 1G Y_*DT+5_&.M6&F^((ETQM.OI%<Z=Y;++%;
ML>'\TOAG P2NT ]!0!VL,D$JL\#QNNX@E""-PX/3O2RS16\1EFD2.,8RSL !
MVZFO.;7Q-=6OA4W-O)H>C1OK%W!-=7(VQ1*LKC<(]P,DC$#C(Y)-8FL>*[GQ
M!X(\66%S=VE\-/FLO*O;:!X5F225#RC$X(*D9!P: /8BB,P8JI8="1R*5E#*
M58 @]0:S/$>H7FE>'-0O].LS>WEO TD-N 3O8#@8')^@Y-<9HGBG4M=@U&WM
M?$>B7^+%Y T=K)!/;2CLT+/N9,$\Y4@T >C #  Q@4O YKRO0M:U71?AEX6:
M76=&LHKFW7=?7J$>3'Y8*HL?F RR$YY! [XK-USQ3JOB'X?>(H%O[*1].U"U
MB-Y#:R(MS$[1D80ME3EADY((! ZYH ]1O-"@O?$6FZP\C"2PBGB6( ;7$NW.
M?IL'YUJ@ # & .U>:ZSXYO;3Q%/H)UO2M-ET^WB:YNKBRDD%Q,Z[MJ1J_P B
M@8))8GY@!TS2VWCO7-<@\,1:7%8V]UJKW<-Q)/&[QQ-"/OH,J6!P2 ?4<\&@
M#TA45%VJH4>@&*7%>7R>*?&D>C>([WS]&SX<FD28_9I/]-V*)#@;_P!U\C#^
M]SZ"I=7^(DK^(;G3+75=-T>.TMX97DO;9[AII)$WA %90JA2N3R<G@4 >E;%
MW[]HW8QG'-)M4,7VC=C!;'.*\XMO'.N:['X6BTJ*QM;C5Q=I<O<1O(D+08!9
M "I8'D@'U'/!K+\4:QX@OO">M:;=W5DM[I6L6=O)<0V[!9XW>)D.W?\ *<N,
MC)! (XSD 'KF <<#CI0RJR[64%?0CBO-?$'C/6=(UZ;3+G5M)TDP6\36\U_8
MR>3J,A7+XDWA8E#<8))'7FO1+.5Y[&WFD$8DDC5F$3[TR1D[6[CT/>@"?%%%
M% !2*BHNU5 7T I:* "FA%!)"@%N3@=:=10 8%%%% !@4A56(+*"0<C(Z4M%
M "$ ]0#2T44 (%4-N"C=C&<4%%+!BH)'0D=*6B@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M[:VX4SW,,0:185+R!<R,<*HS_$<C ZFI)IHK>"2>>1(HHU+O([!550,DDGH
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MW6-,L+F'59].N;^6(DNL3, 8H1G<[8'&<#DX-=I-H<4WBFUUTS.);>TDM1&
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M2%1N<I(9 #[$G% '/ZCXPUOPC_PDT&IW,.JOI]E;W=K*+?R26E=HPC*I.0&
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MNLYUJ((6*M^[?,9!P?,7;F,9[L *T-7\6Z%H<L46H:@D<LJ>:D<:-*Q3^_A
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M1&[<="&W*!@@GMC-8VLF30/$ECI=O+-HVF6^E1PP:A::7]JGG*L1Y._8P4
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MA:@[6" *5/0Y*X[4 >@R^*;*]L-,OM(U.Q:WNM0CM6>97.[)(:-0,%9..-W
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M:BB@ HHHH S[+1K6QU?4]3A,GVC46C:?<V5RB;%P.W K0HHH **** "BBB@
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M@9PH.!D@9.!573_&GAW5;U;.QU..:9Y6A0*C8=U#$A6(PV K<@D<4 ;U%%%
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MNH;<@?NFE61FYQD]!U]*YK2M9\0Z];^#+8:Y-:_VDNH->SQ1Q^8ZQ2 *%RI
M..,XZ$]Z[/4?!=C?:J-1@O=1TZ8P+;2BPG$2S1*3M5A@XQDX*X(SUKG[[X?+
M#JGA&QTIKZVTS2UO3]J@G"RP-)M*X)ZY.X8P1CK0!G:KK_B'2K;6]%@U=Y;O
M3]3T^*VOYHD+F*X9?D<  ,1R,@ D$5?CL=?/CBZ\,GQ=J9L?[.CO_/\ +A^T
M!S(Z;0VS 3Y<XVYZ $#.>@C\"Z4NFO:22W<[S7D5]/=2R[III8V5E+-C&!M
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MVXQYG/)_N<]:HS^)?$&KW6O75G-X@ADLKR>UL(;"P22V_=';^]+ EBQ!SR,
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "LBY\2Z9:^((-#>29]0F02"**!W"(20&=E!" D'J1TK7
MKR;6I)_#_C7QIKUM=7DEQ8Z-#<QPO+F,L?. #+CE5/(';F@#UFL_6M$L/$&G
M-8:C'));,P9D29X\X[$J0<>HZ&N)N8M3\+'PWJ2>(=0U%[^^@L[R*ZD#Q3"8
M'+(H'R%3R-O&!SFK?@"#4-1:\UO4-;U"X*WUY;16C2 0+&LS 97&2PP<'/3
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !15'2]7M-8CN7LV9EMKF2UDW+C$D;;6'TSWJ]0 4
M45GIK-G)K\VBJ[?;8;=;EUVG&QF*@Y^JGB@#0HHHH **QX_%.D3#2F@N?.35
M9'BM'125<JK,>>PPC<UL4 %%%% !1110 4444 %%5;G4;2SNK.VN)U2:\D,=
MNASF1@I8@?\  5)JU0 445C+XFLI/$\F@0Q7<UW"H:>2. F&#<I90[] 2!P/
M<4 ;-%%% !1110 45C2^*-)@\50>&WN"-3FA\Y(]IQM^;@MT!PK''H#6S0 4
M444 %%%% !1165-XATZ*VO9DDDG%C<+;7"P1,[)(VWC '.-ZDXZ#/H: -6BB
MB@ HHK$U_P 4V'AV6RANX[R:>]9U@BM+=IG<J-S?*H)X'- &W17.:9XVTG4]
M6CTOR[^ROID9X8;^RDMS*%^]LW@!L>@YKHZ "BBJO]HVG]JG3!.OVT0?:##S
MD1[MN[\\C\* +5%%5;/4;2_DNX[6=96M)C;SA<_)(%5BOY,OYT 6J*** "BB
MB@ HHJK9ZC::@]TEI.LIM9S;S;<_)( "5_)A0!:HHK'U#Q/I.F6NJSSW.5TI
M5>\5%+&(,-PX[D@@\>M &Q12*0RAAT(S2T %%%<WJ?C;2].U*73HH-0U&\@
M,\6G6CSF$'D;RHP"?3.?:@#I**S]%UO3_$&FI?Z;<":W8E2=I5D8'!5E/*L#
MU!K0H **** "BBB@ HHHH **** "BJ-MJ]I=ZO?Z7$S&ZL5B:=2N !("5P>_
MW35Z@ HJCJFKVFCQ6\EXS*MQ<QVL>U<YDD;:H^F3UHTW5[35FO5M'9C973VD
MVY2,2* 2!ZCYAS0!>HHHH **@OKVVTVQGOKR98;:WC,DLC=%4#)-0QZI;RZC
M'9(LQ>2V^TJ_EG9LR!][IGGIUQ0!=HHK&T#Q-9>)5N)=/BN_LT+[%N)8"D<W
M)!,9/W@"IR?I0!LT455N=1M+2\L[2>=4N+QV2WC.<R%5+-CZ*": +5%4=+U>
MTUB.YDLV9EMKJ6TDW+C$D;;6'TR.M7J "BBL]]9LX]?AT1G;[;+;-=(NTX\M
M6"DY]<L.* -"BL^36;.+7H-%9V^VSV[W*+M."BD*3GZL*T* "BJ.FZO::L;T
M6C,QL[I[2;<N,2* 2!ZCD<U7O/$=A97M[9R><]Q9V8O98XHBY,9+ ;0.IRIX
M'- &M138Y!+$DB@@.H8 C!Y]J=0 4453U35;'1--FU#4KE+:TA&7D?H.P'J2
M3P .30!<HKE['QYI-WJ-M936^I:?)=MMM7O[*2!)VZX5F&,X['!-=10 4444
M %%%% !1110 455U/4(=*TNZU"X61H;:-I7$2%F( R< =34\,JW$$<R9V2*'
M7(YP1F@!]%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 5P^IPR>(/B,^B75]?6VGV
MFF)=)#:7+P&:1Y&4L60AB%"C SC)KN*Q]9\,:5KTT$]]!+]H@!6.>">2"15/
M5=Z$':>XSB@# ^&$)MM$U> W+W1CUN]4SN06DQ)]XD=SWKMZPK;P=H%GIT.G
MVU@(K2&[%['&DK@+,#D-U]>W3VK=H *\TU^:6W\;^+YX)'BFC\)ATD1BK*P:
M8@@CH0:]+K,N?#VEWEY>7<]KOGO;3[%<-O8;X?F^7 .!]YN1SSUH X&VMKO1
MAX&U=-9U2XNM5N(H+X7%V\D4RR0.Y_=D[5P5&, ?C7IES MU:RV[M(BRH4+1
M.48 C&0PP0?<<BJ<F@Z;+!ID+VV8],D22T&]OW3*A13UYPK$<YK1H \,T'1U
MG\+_  WMH[V^A^UWT[O(ERV]!Y,N50DG8"%Q\N,9)'/-:FL:IJGA2U\9Z;I=
M]>RQ6SZ>+5[BX,KVWV@[7VO(3Z9&XX!->@:?X*T#2WMFL[)H_LUP]U IGD98
MI'4JQ4%L $$\=.>E6YO#NDW,NI23V4<K:G&D5X)"6654!"@@G P&/3% '%:#
M%K>E>,M,@%IJ=G87<4RW46J:Q'=-(RKN62-3(S;@>&V\8;H,5U'CK5[O0O V
MLZG8 ?:K>V9HB1G:>F['MG/X4_2/!VB:)>_;;.WF:Y$?E)+<W,L[1Q_W$,C'
M:/88K:G@BN;>2">-)895*/&XRK*1@@CN,4 >7:7#KVFZUH3QV^K00W4ODWKZ
MEK<4Z72LA.Y%\PD." PV <9XIUGJNJ7":=X(?4+K^U;?5GAN[GS6$KV<.)@Y
M;.?G5HDSWW&NQTOP/H&CWT-Y:6DOG6ZE;?SKF69;=2,$1J[$)QQP!QQ6C'H6
MF1:_-KL=HBZG- +>2X!.6C!R!C./3G&>!Z4 >3F[\1:Y9Z[K,<&L"[@N[F.U
MNHM7BM[:S$3%55HF< @;06WJ<Y/M6_:6MYXI\:75MJ>IZA!;IHUE</:V-\T<
M8F?S,L&0\@8['!X)S@5TU_X"\.:E?3W=S8N6N7#W$4=S(D,[#H9(U8(YX[@Y
M[UKP:38VVJ3ZE#;A+N>%()'#'E$)*C&<#&X]!WH \FL8IM=C^'DVI7]_-<"_
MO;9IENG1G6)9PI)4CYL( 6ZD9!X)KV&ZE:"TFF1"[QQLRH/XB!G%8LW@K0)]
M,M-.:R9;>TN&N;<1SR(T<C%BQ#AMW)9N,XYK?H \?=KVU^&%KX\37=1EUMDB
MNW!NG,$A=P#!Y.=@7YBHP,@C.:Z'PGI,-O\ $OQE<+/>LR2VV%DNY'4[X0QR
MI.#@\#/W1P,"MN/P%X;BOUNTL&!2;[0D!N)# DN<[Q#NV!L\Y"UL6VEV=GJ%
M[?P0[+F^*-</N)WE%VKP3@8''&* ,7QU?)9>'XT:\O[9[JZBMXQIZ@W$S,V?
M+C)("E@#\V1@9-<)#>ZGI6K^(["--6TVW/AJ>]CMK[4OM4B2J2HD5M[%.IX#
M=1FO4=9T33]?L19ZE 980ZRIM=D9'7E65E(*D>H-9MOX&\/6TMQ,MG))<7-L
M]I//-=2R22Q/C<K,S$GH,$\CMB@#C[:VN]'3P-JZ:SJEQ=ZI/#!?"XNWDBF6
M2!W/[LG:N"HQ@#\:]0=UCC:1V"HH)9B<  =ZSY-!TV6#3('MLQZ8Z26@WM^Z
M95**>O.%)'.:MWUE!J-A<65TA>WN(VBE4,5+*PP1D$$<'M0!X?/>ZMJ6CZEX
MKM/#6J2WLFI)JUE>CRA$+>$;40@OOP8M^<+R7/6NVDO(_&GC*SL1J%Y%HIT6
M/4HH[2X>!KAI)"N69"&PH XSU;FNZM;.WLK&&RMXECMH8UBCC'14 P!^58+>
M O#G]GV5E'92P1V(<6SP74L<D2L<LHD5@VTGMG% ',*DM[XBTCPFWB6\O-.C
MCO)9IX;@QS3/'(JK \B'<2@<YP03@9I+M)8M;T?PA#XGO;BQN;ZZ^T2)<$7$
M2QQ*ZVQE!W?Q9SD-M&,UUTW@KP_-I=GIPL/)@LF+VS02O%)$Q^\RR*0V3DY.
M>>^:1O!/AYM&32CI^+9)OM"L)7$HF_YZ>;G?O_VLYH X#Q'>W_AR#Q7HUAJM
M^]K:VME=P2R7+O+:M)/M:/S"=V"%S@GH3VKK/$=_<P>/-"M(;N6.*33[^22)
M)"%8J(]K$#J1DX/;FM:V\':#:Z7>Z<M@);>__P"/LSR/*\_&/G=B6..W/';%
M1:=X&\/Z9=QWEO:2M=1QO"L\]U+*X1@ 5R['Y<#@=N<8R: . TV*_LO!_@OQ
M*=<U:?4KR\LHKDS7CO'+%*P4H8R=O0]<9R,DDU#);OHVA>.[VQOM0BN$\000
MJ_VR0X4R6V>K=2&()ZD<=.*]1'AK2!I.GZ6+3_0M/DBDM8O,;]VT9RASG)P1
MW)SWJM<>"M NKK4+B:R8OJ#1O=*)Y%21D965MH; .47D#)QSWH Y&33;C7=<
M\<-<ZUJ\4>GS(+.*VO9(E@;[,C%@%(SSV.1UXY-1:)=7GC+4-!L-5U&]BM_^
M$<@U%UM+AK=KF=VVLS,A!(7 . <9:O0X=&T^";498[?:^HL&NCO8^80@3UX^
M4 <8KD_$/A-P=)M]/T"TU#3+"V\B&$7LEK<VY& -LH.2A48*D]@>: +'PYEN
M6L-<@N=2N-1^RZS<6\4]Q)O;8H4 9]O;OFJ7CQ=1;QMX)&DR6J7OG7GEM=HS
M1C]P<Y"D'IGOUK9\">&Y?#&@S6T\=O#-<W<MV\%L28X=Y&$4D D!0!G')S6U
M=:38WNHV.H7$&^ZL"[6TFXC877:W .#D<<YH \_L#J^H_$^RM/%]U:0W>FQ2
M76EPV,#)#=AEV.^]F)W*"04P.N>17-VFH>)]5\+R^*(H-534FEDEBO'UB**S
MA"R$")H6D"A !M.Y<YR<U[#J.AZ=JMU875Y;^9<6$WG6TH=D:-L8/*D9!'4'
M@]Q65-X \-7%_)=R6#'S)OM$EN+B0022YSO:$-L)SSR* .,\2_VL=8U?4;@:
MO=:?&B>5/H>J /IA$8+!X RASG+9.[((XJQ ;"3XD2>(!J=WY'_",17PN&E<
M)M+.-QCSC;M&[9C&[)QGFNOU/P1H&KW\][=6LPFN%"W(ANI85N !@"148!^.
M.0>.*GNO">AWFH6U]+8+Y]M;FUCV.R+Y)!'ELH(5EY/!!% 'F,5YJ%G<>%=4
MM5\1HM[J5M!+?ZEJ V7J2YSBV$C!01R/E7&*;(]UX<T7QG=:5<7PNIO$2V <
MW;-Y:.(06&\[0_S$!STR.< 5Z%;_  \\,V[6I%G/)]DD22U$U[-(+<H05\L,
MYV $#@8ST/%7)/!^@RW.ISRV <ZHNV\C:1S'+TY*9VAOE'S  \=: .'MAKNC
M:N8H[;4["QN-/N3-%J6L)=.9$3*RQ#S&<$'AL<?,#@50MK"_71O =_\ \)%K
M?VO6VBAOI#>N0\;P,Y 4G"D;0 P ;DG.>:]#T[P5H6F2S30VTTDTT!MVEN;J
M6=UB/5%9V)5?88JXOAW2EM=*MA:XATEE:R7S&_=%4*#OS\I(YS0!YCJVJ:KX
M;A\4:-IE]?RQ1ZE86]O)+<^9- EPJ[PLDA..> 6. 6S5^U_MS1]6EA2VU*PL
M)]-N6DAU'6$NI/,105EB_>,X/)#8XY!KO;CPUHUV=4^TV,<PU0(+P2$D2[%V
MKQG P .F/7K5;3O!>AZ9)<2PVTTDT\)MWEN;J6=Q$?X%9V)5?88H X.P@O=-
MT#P)X@&MZK/?ZC<V<5WY]X[QRQS(<J8R=HQQ@@9R,DDG-;WPXTR&SOO%LL<U
MVY&MS18FN7D& D9SAB1NY^]U(P,\"NI/AW2CIVF6!M?]%TQXI+1/,;]VT8PA
MSG)P/7.>]9FK>!M*O[36UMHVMKG6$VW$@ED*[N/G"!@ W Y&,XYR,T =/7BO
MB/3(K>'XL7"37;.(XAMDN7=/GA1S\I..#P/[HX&!Q7M(& !Z5@WW@O0-2O=0
MN[JR9Y=1@%O=[9Y%69!@#*A@,@ #.,^] ',R6=QX6\7^&Q:ZGJ=V-1ANEO(K
MJZ>59F2'>K!2<(<C'R@#!QBN4TZ^\47?A:S\4PP:I_:4SI<&]GUF)+)E,@!B
M,+2!53'R@;0P..<U['<:3975_8WTT&ZYL"YMGW$;-Z[6X!P<CCG-8Z^ /#2W
MXNQ8,-L_V@6_VB3[.)<YWB'=LSGG[O6@#I:XCX9;5TO6X92/[036KO[8#][>
M9"5)]BFW'M7;USVK>"- UG4&U"ZM)8[QU"23VMS);M(HZ!S&PW?CF@#FM>U;
M3YY(-+\/7)L5O_$ LM5N[1/*;S/++N ^/OMM5=PY'3K5#Q!)=^%;OQ!I&FZG
MJ#VDGAJYOT6>Z>62UF0[0R2,2P#;CQGJN17=GPEH)\/+H(TR%=,7!6!<KM8'
M.X,#N#9YW9SGO45KX+T&TL]0MEM))5U&(PW<EQ<22RRQD$;3(S%L8)X!XH X
MEM&NH==\(VP\0:V5UJVF.I$WS_OBD2R#;S^ZYX^3;P2*ISSZC#IEQH\6N:C!
M%!XNBT^*Y-RS3) Z*Q3>>3RY SGMZ5ZDVBZ>]UIURUOF;359+1M[?NPRA3WY
MX '.:YOQ3X'MM6M8+>SM(O+N-:AU#4%DD;$J@;7(YX.T 8&.E &/?W8\'>(-
M4T^/6KZ+2WT*2^:2XE>[>TE60('3>23NW'Y2<$K]:SM/FU#2_&/A7R[?Q#9P
M:A+)#<'5M2$QNP(6;<8M[["" >-N,XQ7>VG@O0;2TOK8633I?IY=T]U,\[RI
MC 4N[%L#/ SQ45IX$\/V=W:7:VUQ+<V;[[::XO)IGBX(VJ78X7!/R]#QD<"@
M#SLIJ"?#6\\7'7=7;5+2^F-OF]?RU1;HIL,>=K @'[P)YQT %;VO>(-1\+ZM
MXETY;B:>;4H(KC15D<MMFD80-&N>@#E'P. &-=D?"VC-X?ET(V?_ !+979W@
M\Q^2SF0G=G/WB3U_2LK4-"O=<\>:9?7UC;1:;HOF2VLWF[Y+B5U4?=P-@7D]
M3DA30!T6EV;Z?I5I9R7$MR\$*1M/,Y9Y"!@LQ/))ZUY=XC?4[75=<U2\DUFX
ML()RT.I:+J0(T]%5=R26VX*2,$L2&R#7KE<Y?^!/#VI7UQ=W-G+NN2&N8X[J
M6.*X(& 9(U8*_0=0<]Z .6L]&M_$_P 1?$\K:EJ$5J;.P=!97+V^\LDA5R5(
M)P.@/'/(-9MCK5SK?AOPI:W=SK>HW\UK-++9:;*('N%1_+$DLV]-JCT!^8GO
M7J-KI-C9ZC=W]O;B.YNUC29PQPRQ@A!C.!@,>@%9$G@3P\UM8P1VDUN+!72V
MDMKN6*1%<Y9=ZL&()[$T ><V]Y?3:,UE>M<XL?&5G!#'=7/VB2%-T3;#)D[L
M%CW/IGBNZ\ _Z[Q9_P!C!<_^@1UH6W@CP[9PM#;Z:L<;7<5Z565\&>/&U_O=
M?E&?4\G-:EAI=EIANS9P^4;NX:YG^8G?(P +<GCH.!Q0!RGCV'5+F]TF*P\V
M[MU\U[K3+74OL=Q<#"A75@0653G(R/O"N?37+>?PS::9'J'B=KDZK):M8<"_
M<JI<P&7>,*JD$R;LD=Z]"UKPYIFO_9VOX9#+;,6@G@F>&6(D8.UT(89'49YJ
MD_@7P\VF0V LGCCAG-S'+'<2+,LIX,GFAMY8]R3S0!YE??;&T/XAZ/=#4[6U
MM=+BNH+2ZU$W$D+%9,@N&)VMM4E"Q'YUT4CWNG:N-,L-8EM8U\)RRQ2WMTSQ
MQ3&5=LCER>F>IZ#CIQ76VO@GP]:+?"+3\_VA;_9KQI)I':X3G[Y9B6/S'YCS
MVSP*?:>#M"LHU2.R+JMF]CB>9Y<P,VYD.\G(SZ]N.G% '$>'1-:Z[9Z3K">(
M],NM0M982)-3:ZM[Q@H8NDH<M&X )& O!K.\)QS>'/!GA'Q!!>WOV+[6\&HP
M274CQ>7+(T:OM)(7:^P\#NWK7HVD^"]#T6]CO+2WG,T*&.!KBZEG$"'JL8=B
M$';C'%9OB3PW<?\ "'#PIX>TVV%C=(]O))/<'%JC')< @ESRQ R,'% %CP1=
M76K6FHZ]//*\&HWCM91,Y*QVZ?(A5>@W;2YQUW5E^,M,AO?B!X):2:[0M/<K
M^YN7C'RP,PQM(P<\$]QP>.*[6PLH--T^VL;5-EO;1+%&OHJC 'Y"JFL>'],U
M[[+_ &A TC6DOG0.DKQM&V,9#*0>AP1T- 'E/]ERQ>#_ !OX@@U;4[>]L=6U
M&:U$%T\<<925CR@.U\G.=P/'%:=_?:QXB\::E9&QU:[M+"UMC%#INI+9A7E3
M>9&.]68YX'4#:>.:] /AK2#I6H:6;3_0]1DEENH_,;]XTI)<YSD9)/0C':J^
MJ>#M$U>>*XN+>9+B*+R%FMKF6!S'_<9D8%E]CF@"'P)<ZG=>$[8ZO(LMY&\D
M1D$T<I=5<A2S(2I;  ..X-<]XDM]5N?BWI::/?V]E<_V+.3+/;&92OG1Y&T,
MO.<<Y[5W>G:=9Z3I\%AI]NEO:P+MCB08"C_/>F/I-B^M1:NT&;^*!K=)=QXC
M9@Q&,XZJ.<9H \UO&\0:+\0UO-3O[74KF#P[>S0"WM# ,JR':1O;.2!Z42QW
M6C^"=$\7P:[J5SJMQ)9R3B6[9X;H3.@>,1$[% #G&T C%>E2:18RZQ%JSP!K
MZ*!K=)=QXC8@L,9QR5':LBS\!>&[&_ANX+!@8)#+!"UQ(T,+G^)(BQ13SU &
M.U '"QW-S]HO-*ANY[.#5/&4]O<W$#E'""$/L5ARI8J!D<]:9K5FWAO6/&PT
M_4KUFB\,++"\MR\DMN=TN )"=W4;ADY&?3%>CS^$]#N;"]LIK%6@O;DWDPWM
MDS''SJV<J?E&-I&*JV_@/P[;Q7Z+922'4+?[-=R37,LCSQ\\,S,3GD\YSC [
M"@#FK6PG\2>-KZQO=7U5+&'2;*406UY)"#(_F9?*D'/'K@\9S@5F:'J&H^(K
M7PAHNHZI>K;W*7[7$\4[12W1MY?+1#(N&^[\QP<G%>FVNC6%EJ$M_;V^RYFA
MC@=]['*1YV#!..-Q_.N8\0^$@FF:;8Z3HEG>Z?:S2RO:274D,RLY+;XI@<J=
MS-D9Y#8R,4 )X)$]KXH\6Z8VJ7E_;6=Q;K;_ &J<RF)6B#%,GT)Z]3CG)H^(
MFU+KPE-=$#3X]<B-P6^Z#M<1EO;?C\<58\">%IO#W]K7=Q:V]G)J-PL@M()3
M*(45 H!<\LY.68^IKIM0T^SU6PFL;^VCN;69=LD4BY5A0!0\1W>B6=I:/KB1
M/$]Y$ENCQ>83.6^3:H!.X'GCI7%6]I/XDL/$^MWFN:G:7=C>W4%J+>[>*.T6
M'A<Q@[6)QN;<#D&NHTSP%X=TG4(;ZWLY9+BW!%NUS=2SB '^X'8A?PIVH^!?
M#VJW\]Y=64A>X(-RD=Q)''<8Z>8BL%?\0: .-TF2^\:^(],74]1U&VMI_#%K
M>S6UG=/ K3-(XW?*01QV'7C.<5GZ=_:47@OP]XFEUW59]2.K0VC&2Z;RWA^T
MF$HT?W3E1DL1N)YS7J\6CV$.J_VG%;*EW]F6TWJ2 (E8L%"YP,$GM55/"VC)
MH]OI*V>+&VG%S%%YC_+()/,#9SD_/S@G'X4 </!ITNL+XTO[KQ#JL,NGZA.E
MF(KYT2T"1JP.T'##)Z-D8' &35<:M<>*3I0EBUW4+PZ1;W%Q8:9<BSB@DD!/
MF22>8A);'"\X Z5N:?\ #FPN-1UZ[UNV,IOM2>=%BNI%26$JFU944@-A@W#
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M,Y7R&53'OD;^+>,\8XP34UQI^O\ B?Q!8ZC>Z,=)M],MKD1QRW,<LD\TL>S
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MD0ZQ&$\OS%D"D@;M^W(*[MN,_G7=^(+ZXTSP_?WMK;R7$\$+.D<94$D#K\Q
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MHNF)K,FL+8P#4I(Q$UUL'F%!VSZ=*OT4 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 445B:IXKTS2+PVMTTHE"AOE3(P:
M-NBN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W
M[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'
M_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/
M^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\
MOT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_
M  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\
MOW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H
MZ>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W
M[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'
M_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/
M^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\
MOT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_
M  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\
MOW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H
MZ>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W
M[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'
M_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/
M^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\
MOT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_
M  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\
MOW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H
MZ>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W
M[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'
M_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/
M^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\
MOT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_
M  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\
MOW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H
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M@DE@L+9IFB4]"^.%SV!.3Z5?T?6;'7M.6^T^8R0EF1@RE&1U.&5E/*L#U!H
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MMA;K;V=M#;0+]V.&,(H^@'% 'E.IRVDNB^+]7U#5+B#Q%87EPED!=LCP;/\
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MN:/JUY\,9M(=A>ZNU@D,C!@/-E &XY.!R03S0!:C\7VEQ8:'>6L3R1:K="U
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M.NKY[RYO3X:>T6YFBBRSQ"=E"D&23#$;5X  );KQ70T %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5
M!<V-I>-"UU:PSF"02Q&6,-Y;CHRYZ'GJ*GHH **** "BBB@ HHHH C\B'[0;
MCRD\\IL,FT;MN<XSUQGM4E%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
K%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% '__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>20
<FILENAME>ex97-ibcrpolicy2023x11x1005.jpg
<TEXT>
begin 644 ex97-ibcrpolicy2023x11x1005.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHR/7K10 44 @]#10 444$@#).* "BBB@ HHHH
M *** 01D<B@ HHHH **** "BC(SC/6B@ HHH!!&0<B@ HHHH **,C.,\T4 %
M%%% !1129&<9H 6B@'(R** "BBB@ HHH!!Z'- !1110 44$@=3BB@ HHHR#T
M- !1110 4444 %%%% !1110 4444 %%%% !1110 44FX''(YI: "B@$'H:*
M"BBB@ HHHR,XSS0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M11D9QGF@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "O/\ 7/B ]OXFO]&LM0\/V!T]$\Z36+KRS,[KN"1J"#@ C+'/
M)QCBO0*XZ_\ "NJP>(M0U?0KO3E.I*GVF'4+5I561%VB1"K CY0 5/!Q0!1/
MQ(V>'-'\52V:KH%SOBOY$)D>TD#%01CAT+J5SCNI[TFH^/=0TO1](?4+?3M-
MU'69I#;K?S^7%:P*-VZ9B>7P5^48Y;':KT_@>74;;2--UC4CJ&E62M)<PR1[
M3>3G."^. BY)"COC).*K'P)J2:=I21ZO#+?:+/(=/GNH#(K6[#;Y4PR-QVX&
MX$'Y0: ,UOBA-#HFNR(-*U+4-*-LROIUQOM[E)9 G!R2K#D$$GL>AK7DU_Q7
M'J%CH+6NCG6[I);IY%>0V]O;H54$CAF8LV.,#O3;OP9J^K:'JMMJ6JVHN;Z2
M!DCMK?9!;K%(KX4$[F+8.23Z<#%:NO>'[ZYUNQUW1KN"WU*UBDMV6YC+Q3PN
M02K;2""&4$$?D: ,B75-1.N>&(=>T2VCOVU"YACFCE++A8'82Q<Y 897#<CG
MV-5?#'CW5/$.H6P4:*4EF:.XTU;ADO;-1GYG5\;\8&0 .O&:TX/"&IR:AI.H
MZEK1NKJUO9[N7"$(!)"8Q'$"3L5<@\YR<GO5$^!=8OK_ $LZOJ6G746FW:7,
M=\MF5O9@ARJ,^[ '0$@<@=!0!3M?%5W86L,&BZ19">_\17EB4>1U3<#(3*3R
M<DKD@>^,5<D\=:KI$6O6NL6-I-J>G-:K;BS=ECN3<$K&/FR5PP.>O%6[7P--
M;7%A*;Y&^RZW<ZJ1Y9^991( G7J-_7VJKXN\,PK#XFUF\GN3#=PV>P6<'F36
M[P.2) ,_, 6#$>BF@"Y;:]XFLO%VDZ)K5IIC1ZA%/*MS9L_RF, E-K?[PY[Y
MZ#%7/B!=0V7@N\N)[.*\C66W!@E)"MF9 "<$'@G/X5R.A7M]XC^(^C7O]M6F
ML6^GV=SYTEA:-%!"7"*N2S-F1L'(SP%Z5W7BS0G\2>&[C2HYU@:5XF$C+N V
M2*_3WVX_&@#C/[=U[1_$_C[4)(HKZVT^&!XK6-GW?ZLE O4 8)+8'7D5N^$/
M$]_KUXRO=:'J%D8?,%SI<YS$^0/+>-B6Y!R#QTY I;KPKJQU_7;W3]92SAU>
MWB!9829H)HUVJRG."N.H(Y]14>D>$+]/%D/B'5I=+6Y@MY( --M6A\_>5RTK
M%B6QMX';)YH T?&GB*;PQH OX88V+3QPM+-N\J ,<&23:"=H]O45BQ^.;ZU\
M-ZAJ=S'I>I^7)##8S:5<@Q74DK!0A!),9#$9SG@\5U&OV&H:AIZ)I>HBQNXY
M5E5GCWQR =8W7()4@\X(/2N07X:R7D>LSWUU9V=[J"P>7_9=MY<4#PN723!)
MWMNZDXX&/>@#0_M[7M.UBTTGQ%;Z<5U2&86T]@7 21$+E'#]<KDAAZ=*Y70/
M&O\ 8G@_PAHMO=:59W-QI2W,EUJL_EPQQ@A0 ,@LQ.<#(X!-==#X9UK4-;LM
M3\0ZC92MI\4JVD-E T:EY%V-(Y9B2=N0 .!DUGVW@"^TJST&;3+^S;4M,L/L
M$OVNW+PW,60>0""I##((/<B@#9\%^*U\4V=Z&:T>YL+DV\TEE-YL$O 97C;T
M(/3J""*/%.N:EI-Q;1VKZ396SHSRZAJMP$B4@C"*H8,S').>  .]7?#FE7VE
MVD_]I7R7=W<3&5O*B\J*($ !$7D[1CJ22<FLK7_"E]?>++;Q!I\NG/+%:&T,
M&HV[2H@W[O,3!&&['U % &);_$?4KOPW9W=G9:?=7TVM_P!CDQ3M]GD.&(D1
ML9VGY3T/&>M6Y_'.J>'SKUOX@L[.6YTZTBNX#8,P2<2.8U0A\E3O &>>#FG6
M/@"]MK>%+C5H[B5/$']M/*(-F_*8*;<\<DX]JO:[X'CU_5-7N+F[*0:AIL5D
M%1?GB>.1I%D![X+#CVH Q+E_$A^(O@Q==@TX*S7;(]BSX5O(.48-U]F'7G@5
MWFKW=S8:1=75G:?:[F*,M' 95C#GT+-P!ZGTKFK?PWXDNO$NBZMK6KV$J:5Y
MH6&UM6C\XO&4+L2QP>1P.!SZ\:_B[0#XG\+WVCK<_9FN%7$FW< 58-@C(RIQ
M@CT)H YO1O'-Y/XPL="O+W0+_P"VQ2N&TF=G:W9 &VN"3D$9P>.G2N?\&^(/
M$'AWX9Z-JUS96#:%#MCE4._VD1M)M\W/W>"V=OIW[5U-EX0U?_A)-%U>]N]+
MACTQ9D6RT^T,<9$B;2V2Q.<A>V !^-9]A\/]<C\-V7A:_P!;LY]"@='E\NU9
M9Y55]_E;MVT+N YQG''O0 MSX]U1O$FHZ;:#18Y;*Y$*:;>W#0W5VO'SQLV%
MP<G P<XZBM6?7_$.J:[JEAX=M=.$.EE(YIK]G_?2L@?8@3[H (RQSR>E4O$?
M@G6=?34-/GU'3;C3+R0NDEY9&2YLU;&5B8,!Q_"2,C/>KC^%];TK5K^[\-ZI
M:11:BL9N(K^!I=DB($\Q"K#)*@9!ZD9S0!AP>)%USQ1X8UR*W,+-I&HEX';.
MR1'C5ESWPRD9K;'C&Z/A#PMK/V6'S=8N+.&6/)VQB8C)7Z9XS2:9X BTNXT7
MR[QI8-/LKJVEWK\\SSLKL^>@Y#''O[5G6W@/Q NGZ%I-UKED^F:)>03V_EVC
M++,L3959"6(&%XX'7![8(!G67BO5/#<'C;5=5:UN8K?5A!!'YK+^]9(55=S<
M+& P)]/F-;'A_P >O>>)[31+S4- U![V*22&;1KKS!&R %D=22>1DAN,[3Q3
M[WP#=7S^(;9]2A2QU2Z2_@98"9K:Y41X.2=K+^['& >>M:6D:)KR:S%?ZOJ&
MGB*")D2VTZU,2R,V,NY8D\ < <#)ZT 7?%6O/X>T87,%N+F\GGBM;6%FVJ\L
MC!5!/8<Y/L*XNXEUN/XB1?V];V$A3P_>,CVA<1RC?%E2&Y!&.N>01TKMO$^@
MCQ%H_P!D6Y-K<131W-M<!=WE2QL&1L=QD<CT)K#C\*Z]?:^=7UG5+%W_ +-G
ML$@M+=D1/,*G?EF))^7D?3W) ,*#QU-8:=X:TZS&BZ-#=:-!=12:D\@@)( $
M,9SU4 <L<X(X-;\WBC6[B;1M*L=/LHM9OK1[RX\^8RP6\:%5)!3[^688P1[U
M"OA#7++2=+L++4=-N[:VTZ*RGL]2M#) [(,>:H!!!/0@Y!&*CL? %YH%GHLN
MB:G -2TV&:!VN8"89XY7\QDVJP* -@K@G &#F@!=0\4^++'^R=/;1K!-6O[V
M:T4O,Q@94C+B9<?,%P#E3SP1Z&J=]\0+ZWUBXT=M0\,6%YI\,7VQ]1NS&DTS
MH&*0C(.T CYCGKTXK8MO".IMJFD:GJ6L_:[JTOI[R4;"(P)(3&(X@2=JKD'G
M.>3WI+_PKJL'B'4-6T*[TY?[25/M,.H6K2A)$7:)$*L/X0 5/!Q0!SZ^*-3\
M3>(? >I:6UO#9WJ79E@DD9AO0;9 2O# 8.T^I)[U8T7Q1<KI6E:7H.EV4-_J
M5[?[%D=_(A2&9O,D;JQ))' (Y;J *V)?"&IQ/X9N;75XYKW1VE$TMW!D7"RC
M#\*1M/IUQQG/>K!X#OM.L],GT[4X$U73;F[EBDEA+12QW$A=HW4$'NO(/5?>
M@"#4?'NKZ+IFN17^G6DFL:4]J0L#L(;F*>0(K+GE3]X$'."!R16KINO:]!XN
M@T/7K;3@+RTDNK>6Q9SL*,H9&W=?OC##'3I5"Z\!7VJ6&L2ZEJ<#ZMJDMJ7D
MBA*PPQP2!UC1223_ !9)/)/3BNBN]">Y\8:;K@G54L[6>W,6WEC(4.<^VS]:
M *?CVZAL_#(FGLXKM/MMHOE2D@9,Z -P0<@G(]Q6/=>*O%$]WXD&E6.E?9M#
MF*LUT\FZ<")9"H"_=/)Y/'(XZFND\4Z$_B+118).L#?:8)][+N&(Y5?&/?;C
M\:JVOAB2W7Q.#=*W]M3-*GR?ZK,*QX///W<_C0!K:-J2ZQH>GZHD9C2\MH[A
M4)R5#J&Q^M><6&I>)--N?'5[I%KILEI9ZI-<2_:W??*5AC)1-O"\+U.>3TXS
M7HF@::VC>'-,TMY1*UE:16YD P&*(%SCMG%95OX5D@T_Q3;&Z0G6[B:9&V?Z
MK?$L>#SSC;G\: * \6:MKFHV]AX;M;-'.GPZA<SWY8K&)<[(PJ8)8X))S@ =
MZCTGQW=7>J:=97UC#;&2ZNM.O"KEA%=0J'&UN,HR;B,C/2GP^#]6T:>QOM"U
M&S6[338=/NX[N!FBG$0^1QM8%6&6]00?QJ"^^'4UUX,N=+75MNL7%\=1?4/*
MP!<,?F(3/"[,H!GI0!5TOXE76JZ#/<1V$4>H/JD-E9P,3B2*;:T<A[_ZLLW_
M  $UV^NO=1Z!J#V3(MRMNYC:3. <=>.:YR'P!!;>---UJ"YV6=E91P"SV\-+
M&KQI)GV21A^5===0"ZM)K=B0LL;(2.V1B@#S?PSXCU]?#'A+1[6.RN-6U#3Q
M<^?.SF.*W1$^>3^)G)8# (&>]=7X:UZ]U&^U72-6MX(=3TQXQ*;9B8I4D7<C
MKGD9P00<X(ZFL*P\$:YIMAH<MOJMA_:NC0M9PR&V?R;BU(4;)%W9#90'<#U[
M5O\ AOP_<Z7>:GJFI7D=UJFINC3M#&8XD5%VHB DG !/).230 WQ3K.HZ3]D
M6S_LRWAE+>=?ZG<".&' &%VY#,S9/3 &#DUS=A\2;FZT"XDCM["\U-=632;9
MK2<FVN)' 97#<D* 23U^[UYK:\2^%KS5/$.FZW8RV#S6<,D'V?48#+%ARIWK
M@@JXVXSW![5F1?#R^^QZCY^LQMJ$^J1:K:W*6VU89D55P4W<IP1C.<'KGF@"
MU?\ B;Q%X;TZ_GUO2[.Y,:Q"SFL9"D<\LCB,1,KDLI!(.[D8/KQ2WGB3Q'X9
ML;Z_\1Z=93V4%HTZSZ<[ "0$ 0LKG)W$C##C@Y I+WP?K/B&TOQKVMHLLT<:
M6L5A&RPV[QN)%EVLQW/N ].!COFEN_".M>([>[M_$VL0FVEM'MDM].C>)-S$
M'SGW,=S J,#H.>N: %3Q#XDTG4M(C\1V>FK::K,+9&LG<O;3%2RJ^[AP=I&1
MCGM6(/'_ (H_X1^'Q$-)TQ].:^-E]G$SB:0^<80X.-JC=@8.>YR.E;L7AG7M
M1U+2I?$6K65S;:5+Y\*6ELT;3S!2JO(2Q P"3A>,G\*8G@:9? ]MX>^W)OAU
M 7AF\LX(%T9]N,^G&: *MWXQU[16\06NK6FG/=V&D'5;9K1G\MU!==CAN<@K
MU'4'M5FW\3>(+*]T1]=L;".QUF001BV=S);2LA=%<GA\A2"1C!]:K^/M!E-C
MXGUY9@RR>');$0!#NR"[[L_\"QBI=*\-ZWJ+:#<:]JEK<6>F!;BWB@MVCDFE
M\LJK2DL1E0QX4#)Y]J .?\'WL5M9^"XGL4N)9;O5O+E).^+:TI.T9P2PXYK5
M\)^.]4\1WMF0=$DBG9A<6$-PRWEC@$_.KXWX(P< =>,BKNE^ YM/'AX-J"G^
MRI;Z1F1,%_M&_&.>"N_WZ57C\#ZO>:II$VLZCIMRNE7"SQWL5F4O+C:"%61]
MV #GYL#G':@#G="\0>(O#O@S4=7AL].DT>QU.[,J22/Y\R&Y;<R$?*N,\ YS
M@]*]@!R,UQ<G@>9_A]JGAG[<@DO9KB03^6<)YDQD QGG&<5V>/EQ[8H \[\.
M>/=4U[4X%0:+M>X:*XTS[08[ZT4$C<P<@-C R ._!-:3>,KI?!OB?6_LL/G:
M1<WD,4>3M<0L0"WUQSBJ<O@76-0O-.75M3T^Z@T^[2YCOA9D7T@1MRHS[L#L
M"0.0.@IFH^ ]=GT_Q!HUEK5G!I.L3SW+%[5FGC:7ED!W!=I;OC."1Z$ &A)X
MCU[5=:NM,\/VVG*UA;PRW4U\S[6DE7<L:!?]GDL3W'!K#>\\27?Q)LY+/3K2
MSU*;PZ#<17LI=+?]^<CY/O\ .,<CCD^E;TOAC6M.UBXU+P]J-E%)>V\,-W%>
MP-(I>-=JR)M8$'!P0>#@58T;PG<:7K]MJ<^JRWSQ:6+&1YP3)*_FF0N3GIS@
M#MQ0!:\(Z[<:_HTD][;QP7MM=36=PD3%D\R-RI*D\X.,\UFZMX@\0'QP/#NB
M6FG,JV$=]+<7CN JF1T*@+U)VC'XY[5K>&M"?0;;4(GG68W6H7%X"%QM$CE@
MOX9ZT)H3IXVF\0>>NR33H[+R=O(*R.^[/_ L8]J .$N/BT1!>ZK!=>'AI]K,
MZ#3YKT+?3QHQ5F49PI."54@Y&.>:Z)_$VN:UJ]_:>%[?3F@T^.)I9KYG_?22
M()%1 OW?E*Y8YY/3BJD?@?6M/MKC2=)U:PM])FG>5)7L]]U;*[%F1&W;3R3@
MD9&>^*OW'AG6K#6M0U#PYJ5G NI)&+F.]MVDV2(NP2(58<[0,@\$@4 0CQ-X
MBU;5?[*TG3+.RO;:SBN=0_M"0NL+R9VQ*(S\Q^4G=G&,<4S2_'5SJ&H:)8RV
M,4%S<WUW87Z;RPBE@C9CL/&0< \CH:?%X0UG1KY-0T/68IKN6SBM;TZI&\HN
M#'G;+E6!#?,PQR"#VQ4 \ WUE::;=:=JL3:Y9W\]_)<7,!,5Q),K+("BD%1@
MX&#Q@4 .U[QS?:4OBG[/80SOH\MDD"%B#-YY0$$]B-W%3MXEUW2-6AL->M=/
M)O;6>>TDLV?"R1+N:-PW7@Y##&<'@5S?BWPQJNG^$?%6H7FI)<W^K7%@Y:V@
M*+"4EC4;02<@#'4]LGK73#PMK&IZHFH:_J5G-):VLUO9QVENT:AI5VM*^YB2
MV!C X&30!BP>./%KZ?X=U%])TDV^O%(;>$32!XI'C+J[M@@IA22 ,@8Y)JQ<
M_$&^T/3]?37+:Q;4-+N+>",V\IC@F,X!0DODH!D[B<\ UK1>#I8]%\(6'VQ"
MV@2PR.^P_OMD+1X SQG=G\*AU;P%_:UUX@G>^\E]1EM)[9UCW&WE@'RL03A@
M2.G'&10!GZ7\0Y'U<Z7=7V@:C+-9S7,$VD7/F*K1C)CD4DD9!R&SS@\"DT_Q
MKXD>Q\-ZSJ&GZ8FEZU-!;^5#(YGB,H^5\GY2"?X>H!')K6M/#NO3W4L^K:CI
MZI]EDMX[?3[4QHS.,&1RQ))'8# &3UI?^$.E_P"$6\,:/]L3=HT]I,\FPXE\
MGJ ,\9H J> )]9GU;Q7_ &C-;R0QZO)&NPN65A''P-W1,8P/7-=Q7%2:+X@\
M/Q^*;O2+JVF^WR->VD)MF:1;@JB[2=V"IV>@QG).!7:)NV+OQNQSCUH \LT;
MQ-KFC6?B.XO$M[ZYF\0&PLH5D<9G?8H4LV=L8&#Z\&NIL->UJS\3VNA^(8+
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M.@74I+>2\"XE>W0K&3[ DD?G5J@ HHHH **** "BBB@ HHHH **** "BBB@
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MA[>VM+"_EM?/:8;&1,8<L<  YK1M=>T>]TZ74+75;&>RBSYEQ'<(T:8ZY8'
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M^8\GUKEF58_#_B'2]9\0:99W\U[<?:+&32O.OI79SY;Q'S5+D@J4(&!QZ9H
M]^K#\*:^_B/29;U[=8"EW/;[5;=D1R%,_CC-:>GI+'IMK'/(\DRPH'=UPS,
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M=(K%P<%0"<Y!XQZUA_$'_4^&O^Q@LO\ T,UR1TNPE\ _$RYDLX'G:^U)C(R
MME%RO/L>1[T >NUG2:_HT.J+I<NK6*:@^ MJUP@E.>F$SFI-'9GT/3W8EF:V
MC))ZD[17EVDW_ABQ\)WNE>(K9+K7SJ<IN;!>+RYG,Y:-D&0Q^4H0P.,#K0!Z
M;>>(-%T^^CL;W5["VNY<>7!-<HCMGIA2<FEU#7=(TG=_:.JV5GM4,?M%PD>
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MHU]>2V=IJUA<740W20Q7".Z#U(!R*\\\86EO9^(_$:6L$4"-X+N=RQ(%!PY
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M&P3QY'X<M)M)$<-N+B\FN;S8ZC+91% .7"J6.2, BM^/Q%HDT5U+'K&GO':
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MBFM%&[J[(K,OW21DCZ4^B@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M%@V>#QC&/>JFF^&-?MY].BOO%+W&GZ>08XH+;R99\#"B9PYW =P ,D<UUM%
M&9K^AVGB/1+C2[W>(I@"'C;#QL""KJ>Q! (^E<U<^"]=UF"+3O$/BA;[2%=6
ME@AL!#)<A2"%D?<>,@9V@9]J[BB@#DKGPIJMMJNHWGA_78]-BU-@]S#+9B<+
M(%"^9&=R[6( SD,,C.*AC\!-I"Z5+X;U/[#=V%HUF9+F#STN(F;>=ZAE.[?E
M@01R3V-=G10!PL/P[ECTF:)]=E?5#JQU:"_\A08YBH4@IG#*1N&..#CMFM>P
MT378Y;Z\U#Q$9[V>W\BW6"V\NWM^I#B(NVYLD$DGH,<"NCHH ALXYX;*"*YN
M/M%PD:K+,$">8P'+;1P,GG':IJ** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MQ_I6,8BP.$CR!\J^GN:BO?AY;7$.H06NH36EO<WD6H00I&K+;7*$,74'@JQ
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M:WU0@(/E:$( GT.P<^] ',Z-<:OI#^/]0&J:>6AU$A3>IY,*OY47SLP). I
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MJEI&FQ:/HUCID!)BL[=($)ZD*H4']*NT %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !6
M1K'BG1= ECBU._2"612ZQA6=MHZMA02%]SQ6O7G7C,PV?BV*_74M5T.\-B(D
MU&"U^TVTZAR?*=-I^8$Y'3(;@T ==>>*=#L-+MM2N-3MQ:76/L\B'?YV1D;
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MF>FX*<?@: /3IKB&WM9+F5PD,:&1W/0*!DG\JQM/\:^'-5OHK*QU:":>8$Q
M9 DP,D*Q&&('4 Y'>K7B7_D5=8_Z\IO_ $ UYMI^H6WB#PKX'T72+*Z2^M)[
M&YF#6KHMM'& SN7("X89 P?FWT =Y>^.?#.GW[V5UK$$<T;B.3(8I&Y_A9P-
MJGGH2*DU/QEX>T;4!8:AJL,%V2@$)!+'?G;P >#CK_B*\H\0WFHZAX6\2V)D
MO+*[>6Y_XD6GZ1@,-Q_>22E#N# ;RP(SG YKO?#5JQ^(>MWKV[A6TNP2.5D(
MSQ(6 /X+D?2@#3\&>+K;QAI4UY JH\5Q+$T8R<*KLJG) ZJH/MFK^L^)='\/
M^2-4OHX'FSY4>"SOCJ0J@D@=SCBL#X:S"/0[W3)8YHKRSU"Z\Z.6%DP'GD92
M"1A@0<Y&:@U*[B\._$N;6=5BG&GW>EQVUO=I \JPNDC,T9V@E=P92.QQ[4 .
M\7_$"UTO0M+N]&O[&5]4N4A@N)%:6)$SAW(3!.WIMR#D^QKL;%Y7T^V>XECE
MF:)2\D2%$=L<D*22 ?0DUY7!87CV=I?+87,%M>^,TOK>%XBK) 1C>R]4!(+<
MX^][UZIJ#R1Z;=/#;BXE6%RD)_Y:-@X7\>E &-;>.?#-YJ45A;ZQ!)<2R&.+
M ;9(X_A5\;6/L#3;WQYX6TZZDMKO6K>*:*0Q2J<GRV''SX'RCGJ<"O+VN[W4
M=+\+K]LO97M]3LI;C2K72/L]MIX61=P8E-WRYVCYN>N,5U5KI\G_  BWQ*#6
MC^;<WE]L!C.95^SJ%QZC.<?C0!WT&J65U?W%C!<H]U;HDDL8ZJKYVGW!P>1Z
M4ZPU&TU2U%U8SK/ 79!(G0E6*MCUP01^%>7^(3J?AS2_#6O:9 [7UWI::+(F
M,$22(# Q'^S("#_O5Z3H6DPZ#H-AI5OS%:0+$#_>('+'W)R?QH IZIXR\/:+
M??8M1U6""X"AG0Y/E@]"Y (0'U;%&K>,/#^B3+#J&IQ1RM'YNQ5:1@G]XA0<
M+[GBN1@U.U\,7WB^SUO3KJXN-1O7N;:-+5Y1?1/$JK&K!2,@@J0>F<]#5*74
M[RV\0WMM(LWAE?LMJ(;?3=+%Q/>#R^4$A1E.PDH!CC&>E '>WOB[0-/L[.[N
M-3A\F]7?;&/,AF7&25"@D@9&3CC-9.L^/+"PE\.7=O>V3Z/J<TJ37;,2%58F
M8;2#UW*%P03VQFN"TBW&G^%/"4]W/K.A7T%G<0KJ4%MYJ1GS>89HRIZX!' '
M'6M72DU'4KOP;-?Z<@6+6+QUFCLC;K-'Y4FR=H_X"QYY[X/>@#T;1M?TKQ!;
MR3Z5>I<I$_ER  JR-Z,I (/U%.U?7-,T&U6YU2\CMHG<(F[)+L?X54<L?8"L
M+0+>6+XB^,)6A=(I4L2CE2%<B-P<'OCBJWBQO[,\:>'=?O()I=+M8KF"62*)
MI/LTD@3;(54$X(5ESCC/O0!N1^+O#\NCMJRZK;_8%E$+S%L!') "L#RIR1P<
M=:MZ/K6G:_IZW^EW*W-JS%1(H(!(.#U KRK6;2376\1:M:6%P=*U#4=*CB#P
M,IN/+E DDV$9VX(&2.=OM7LG2@##U7QCX>T2]^QZCJD,%P%#NAR?+4]"Y (0
M>[8J;5?$VC:*ENU_J$47VD$P*H+M( ,DJJ@D@ CGIS7FERMSH?B#Q7'J.L:O
M8?;[MKB".UTR.Y2]B:-5559HF.X8*[20!P>Y-7=&A7P7K6BWVJV]_'IS:!'8
MQ2S1&9[:19"YCD\L'!*LHSC'R8[4 =[;>*=#O+>WGMM3MYH;BY^R0R(<J\N"
MVT'UP":CUS7X+"RU1+>^LX;^RM1<-]K#&.)3D*S[>=N5/3GBO,+&93H<>L06
M%S'8V?C26[GC6!C)#%AU+&,#(P7&1C(_"K'B"Y?7W\>7MA9WCVTV@0Q6\CVS
MIYY#2YV!@">3CIV],4 =D?B#I<'BJ_T:\FCBCLK)+F2XPQ!)W%QC' 55!S[^
MU=)-JMC;_8O-N8Q]M<1VW.?-8J6 &/8$_A7&P)$OQ*N[._MYC!JFAP01DPL8
MY-IE,BE@, [3T)'6LCP58ZE?ZXVG7CN@\)6TNG6UPR@[YI"0D@!Z[8%CZ_WS
M0!VGC/Q!+X9T)-1C\@#[7;PR-/G8J/*JLW48P"3FK.D>*=#UUITTW48IG@4/
M(G*,JGHV& .WWZ5QGC'2-;L_",G]J:G<>(U.H63BW2P1&"K.I< )][(]?2DU
M/4#X@\3/K&@:;-?0Z=HMW%,)K9XTNI'VF.WPP!;E22.V<=30!UEAXX\-:GJ,
M5A9ZO!+<3$B$ ,%EQUV,1M;\":</&GAPZL-+&K0?:S-Y 7G:9?[F_&W=GC;G
M.:\R2ZN]2N/!I74;Z^%OJ5NTUK#I/V:VL1L9=I.S<""0H&[IG(Z5(\T^FW#6
MFB/J#3_VGN;PSJ6G>?'DS9:2.;;\B\F0-N(% 'I6I^,O#NCWYL=0U6""X4*7
M4Y(C!Z%R!A ?]HBIM7\4Z)H30+J6HQ0/."T2<NS*.K84$[1Z]*\PN([G1M1\
M66>I:OK%FU_?33PVMKID=PM]%(H"A',39./D*DC&*U=%">"=?@N-9AOULY]#
MM+6UN)(6F:%HBVZ%S&#ACN4^AQQTH [#P;X@D\3:)+J$GD%1>7$,;09VO&DC
M*K9R<Y !STJSK'BK1- F2#4M02&9T+K$%9WV]-VU02![]*Q/AC&T?A2;-E+9
M*^HWCI;S1E&C0S,5!';C%97B#5+JV\=WL+W4NB0FTA$-W::7]IGO^6R@?:P&
MP\!<9^;- ';67B#2-2EM8[*_AG:Z@:Y@\MLB2,$*6!]B0".HJ./Q-HLNFOJ,
M>HPO9I/]F:522/-WA-OUW$#\:\HLX=5T3X;:'KUII]X^J:3>WT3VSQ?O2DSR
MK@J!_?,3<<<5=T3PM>Z/XPT[PH+>4Z1"UOK4D^T[&ECA\HKGIDRJLF/QH [^
M[\<^&;#4'L;G6((YXY!%)D,4C<_PLX&U3ST)%3WOB[0-/U>/2;K4X8]0DD2-
M+<Y+EG^[P!WXYZ<BO(_$-YJ.H^$?$=B9+RSO'EN/^)#I^D8!&\G>\I0[@P&\
ML",YP.:[W0+.23QSXJNA$T;36%@D,[(1_P LY,X/L<9_"@!WB3XD:3IUK+%I
M6H6=SJ274-OY3ABI+2HC@$8#,H8G /&.1Q760:G976HW>GPW"/=V80W$0ZQ[
MP2N?J :\@FNX8_ACI7A1]*O?[;L;JU2> 6CGRF2=2\V_&TJPSA@>=_UKUNUU
M2SN=9O\ 38@XN[-8GGW1E01(&*D-_%]UNG3% %7Q/K4FB:2)+9$DOKF9+2SC
M?[K32'"Y_P!D<L?936=JFOW>GKKBC4M'1["VMY%,Z2#RF<L"TH'\)Q\NWG@Y
MJ#QN#'JWA"[?_CVAUE%D] 7BD1"?^!,!^-<OXULKN:;XA^5:S/YVG:>L6V,G
M>0\F0OKC/:@#OGUF:U\8Q:/="/[/?6S364@&#OC(\Q&]>&5AT_B]*U;N\MM/
MM);N\GC@MX5+R2R,%50.Y)KE/$X,_CWP7#%_K8Y[JX<C^&)82IS[%G0?C4OQ
M%LKF]\*?Z/;27:V]Y;7,]M&NYIHHY59U [G SCOB@#1TWQAX?U:.YDL]4@9;
M6/S9]^8RD?\ ?(8#Y>/O=*;I7C+P]K=\++3]3CEN60R)&59"ZCJ5W ;A[C-<
MGXB\26VL6&JW6A>&?[8E@TUE:ZN;-POS.O[G8RAI.,N5']T#J:S;&XN=0^(7
MA&Z75M1UBWA:Y62=M-%M;P%H&PH^0')QT).,#N: .WM_'WA6ZO+>T@UNV>:X
M8)$!G:S'HN[& Q_NDY]JL:IXR\/:+??8M1U6""X"AG0Y/E@]"Y (0'U;%>?P
M:9/'\"-*MELI5N5O+>0Q"([P?MJDMC&>F3GTK2@U.U\,7_B^TUO3[JXGU&]>
MYMD2U>47T31*JQ*0I&005(/3.>E '8:MXNT'0Y8HM1U.&*26/S50 N=G]\A0
M<+_M'BJE]XF>/Q'H-E8M;3V.IVMU<&8$MGRU0H5(.,'>?7M7!LEWH7BW5+N^
MOM1\.6]_:6C6R6=A'=1A4B"M!N\IL%&!P!@'.:MZ#I$]A>>"$2UU!(DL]3<K
M>1J)(O,*,H<*-JYSPO&.G:@#H_#GB^XU33M!O;^?3K=;[3)+VXA"N),KM^9.
M2-@!.<Y/(Q6G8^./#.I:C#86>L6\US.,Q*N<2<9PK8P2!U .1Z5YUHEA>)I?
MA56M)U,?A6]C<&,C:Y\O"GC@G'2MAM/EC\!_#B*.T=9(+W3GD01G,?[L[R1V
MY)SGUH ZR_\ '/AC2[Z>SO=9MX9H!^^#9VQG&=K,!@-C^'.3Z5OQ2)-$DL;!
MD=0RL.X/0UXWJE]'H/PW\6>'=4TR]DU-WO9=PM':.X61F=9_, V8 *YR<@IC
MKBO6M(XT6P!_Y]X__010!DMX\\+K>?93K-N)1*86Z[4D#%=K-C"G((Y(SVJQ
M>^+M T[5X])N]3ACU"21(TMSDN6?[O '?CGIR/6O,+35K&7P'XJ\.Q:==3:K
M?ZAJ$4$*6KL+AWE<*X<#;A>,DD8V?2NQ\*:;/:>//$,EU&SRK8Z?"+AE.)"J
M/OP3UY S^% &E:^+]/M?#5CJ>M:K8;KIF1'M Y25@Q&(U.7. .>/6K@\7>'S
MHRZO_:UL-/:00^>6PJOG&UO[I]CC%>:^%5D\.CPIK6KVERNGQZ==VAD$#N;2
M9KC<&90"5#*"-V/YTZ^L9M7GU'5(-/N!I6I>)=->".2!E,J(4624H1D*Q[D#
M(&: /5=)U>PUW38]0TRX%Q:2$A) I ."0>" >H-9U_XT\.:9J1T^]U:WAN5*
MAU.2(RWW0[ 83/\ M$5O5Y?9ZE:^';+Q/HVKZ1<WVH7FHW,\5H+5W744E.8\
M,%*XQA3G[NWF@#L]6\9^'M#NVM=1U2*&=%#R(%9S&IZ%]H.T?7%/U'Q=H.DQ
MVSWFIPJ+J/S8/+!D,B<?. H)V\CGI7GVH:A?G5?$%D[7&B2/M2&PTW2Q-+?C
MRE 8S%&4\Y3H-H7DBJ5DB6&C>%;J2]UC0+]-#C@&H16GGPOM/,$L94D,#R.G
M4\T =QK/CNQTS5/#K"]LSHVJ17$C762V=BH4"$'DDMC&"370:/KFF:_9&[TN
M\CN8%<QLRY!5AU5@>0>G!%>>:'%J%]J_@*ZU#2DMFA74CB*T,**"%"2%/^69
M<?-@]R:Z;PM;RP>+_&;-"\<4M] \9*D!_P#1X\D>O.?QH V]8U_2M ABEU2]
MCMQ*VR)2"S2'T50"3^ JL?%_AX:,FL'5[8:>\GE"X+?*'Y^4^AX/!Q6%X@F7
M1?B)IFOZA#,^E#3IK03QPM*+:8NK98*"5#*"N[';'>N5N;";5;Z?58=/N%TK
M4/%6GS01R0,I=$4+),4(R%8C.2!G&30!ZMI6JV.MZ;%J&G3B>TFSLD"D X)!
MX(!Z@BKE%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 445Y_XL\67EOXPCT"VO;O3X
M([(7<]S::8][*Q9RJH%"L%'RDDD<\ 4 >@45YE9^+_$.I6FEZ0I>SU*]U.:S
M&H3V+1;X(HS+YRPR 89EPN#D YIFK^(_$_A^'QC;S:I%=/I>G6]S93FV16)=
MI 2X P3\N. !P#@9- 'J%5K;4+*]MX;BUNX)H9\B)XY PDQG.TCKT/3T-8FK
M:O>6GC#PQIT,BBVOQ=?:%*@EMD89<'MR>U<!I4VI:U?_  WO_MZ6KRK>Y2&V
MC" J&W8&,#<N%]NHYH ]CK(\1Z39ZKIJM>7D]D+-_M27<$HC:!E!RV2",8)R
M"",5R \6ZR-$ET@SI_PDRZS_ &4LOEK@J6\P3;.F/(RWID5H>(?%^C:CHGB+
M1[:>X:]BL+M65K25%RL;!OG*A3^!Y[4 ;/AW0++3&GU*&_N=2N;]49[ZYE5V
MD0 [ -H"A?F)& .M;M>9Z5=^(O#6C>$;N\U6*\LK][6QELA;*@A$B (R./F)
M4XSNSGDC%9OB3QQJVFV^K:C:^(UN+BQG?;I]CIC3VJQJV-LL^SAL=3N !XQ0
M!Z]17F?BKQ/K6FZ_?)<:I<:'IR11M87/]F_:+:=BN6\Z0 E,-Q@;>!G-+K'C
M2]G\0QZ5;:G-9V\.GPW4UWIFF/?&:23. N$8+'@9R1DYXZ&@#TNH(KRVFNI[
M6*XB>XM]OG1*P+1[AE=P[9'(KSJR\6>(M9CT31E9M-U"]N;J.6_EL60M#  1
M(D4@X+ATZY ^;BM#P5;W]KXY\8Q:E=I=S@V>+A8Q&77RFP2HX!QP<<<9P.E
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MS!R3G/04 >G45X]_PG^N7]E>:U875]YD<\HM-)BT.::&:-'*A6G"'YFVGE6
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M.MZ4$+G4;4*+7[83YRX$'_/7K]S_ &NE<=;7<ES=?$#6CM:6R#6%NKJ&")%
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MI+>&W:PDCVJ)-J-O89=VP<H!D$XP.E;S>,-,O]%U>:POS:W-C:O-)]LM)4>
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M%&!$O/R,N,JWRG@@4EEXV\/WUMJ%PE\T*Z>@DNENH)('B0@D,5=0<'!P<<T
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M@J7.,8^4#  &!QBF77@+3+CS9([J^MKIM2;4X[F&10\4S($.W*D;2HQ@@]:
M.*/BS6["P\8V\5_JKBQTI+VRFU6T2*XC8[P> H!7*@C<N>M;RW6NZ%XF\.?;
M-=GU&#5TG%U;R0QJD;I"908MJ@@?*1@DY!]:T6^'>F2C56N;_4[F;5;/['=S
M33*6=03@CY<*1G'  ]L\UMW6@VEWJ.D7LC2^;I3.T ##!W1F,[N.>"?3F@#D
M?#C>)=:T/2_%)\2>4UY(DTFGRQ1BU6!F_P!6"%W[\8PV[KVQ7/)XN\2ZM87N
MMV$FO?:EGF%C8V^EB2S9(W*A'?;N8MM.6##!/M7:P_#S3(9(8A?:DVEPW N8
MM*:93;(X;<,#;NVAN0I;;GM27/P[TZX:[A34=5M]-O)3-<Z;!.%@D9CEOX=R
MACU"L <T =)FXO='W1E[.YGM\J6 +0NR\9![@GOZ5Y>GC[6I&\*R><%CMT0>
M( 47EFG%J,\?+B19&XQTKUE$6.-410J* %4#@ =JYAOA_H;0^(H]LX&OMNNR
M'&5/)!3CY?F8MWY- '.VOB'6-0U+0[G[:5LM6UJ\BMU$2?+;1PR*F"5SRT9?
M/OCIQ7+VUA?IX.TM8=6G:>7Q@4BDFCC80L)Y@7 "C))^8@\9Z8'%>KQ^$]-A
MBT"*+SD30_\ CT4,.?W9C^;CG@GTYJC!X"TV!SMO-0: :FNJ16[2J4AF#,Q"
M_+D*2Y)!)[8(H KZ#/JFF^.K_P /7FK7&IVO]G17T,MRD8DC9I'1ERBJ"/E!
MZ<5-XVTQM5DT5+/4;.UU>VO/M=A#>#='<,B,&4J#DX5B<CD=:VUT6U7Q))KH
M:7[6]HMF5R-FQ79QQC.<L>]0^(?#=CXDM88KQIXI;>036]S;2F.:!\8W(PZ<
M$CN#0!R<>L7-KXOL'\6>'(;75OLUPECJ%A=&2*8*N^2,C (X7(W ]\8-<]IW
MBWQ3>:38Z_;_ -OW=Y<.DKZ>NEC[$T+,,HCA=V0IR'W')'3!KO\ 2O!=M8:K
M'JEYJ>IZO>PHT<$FH3*XA5N&V*JJH)'!.,XJI%\.=,B$5J-0U1M(BF$\>DM.
MOV96#;@/N[RH;D*6Q[4 4(9/$'BF[\0W5EXAETI--O9+*S@CAC:,M&JDO,64
ME@2W0$8'O6-*-2LO$_CG5!JTAN(-!AGV1I&T+.8YR,97)52,KSSGG-=?J7@2
MQO[R^GBU'4[&+4<?;K:TF58[DXVDD%25)4 $J5R*=<^!-+GO+B>*>\M(KG3_
M .S9K:WD41/$%95R"I.5#G!!_.@#"TR^UGQ7JJZ;'K5QIEO8Z79SS/:1Q^;<
M33*6SEU8!0%Z #)-9\?B3Q)J,NC:.NJK;WG]LWFEW=Y% A\Y88V8.%((5B /
M8-V(XKK;GP19O-:W%CJ.HZ;=V]JEF;BSD0-+$OW5<,K*<<X. 1DU+9^"M)L/
M[(^SB=3I<TMQ$S2;FEDD5E=I"1EB=Y/;GVXH I^$KO4HO$7B+0K_ %*748].
M:W>WN)T19=LJ%BK;  <%>#CO6=X^\3Z9%J=IX6O]173[6ZB^T7\[$@F#./*4
MCNY!!/90W<BNNL]%M;+6M2U6)I3<:@(A,&(*CRU*KM&.."<]:T: /$/#]_8:
MA\/_  3IUM-'+!'XA2*ZB4<*-\TB*1Z$A#CZ5T7B_2KG5?&NLZ7ILBPW&H^%
MI5<YVAG68+'N/T9USZ9KJAX*TH>$XO#NZY^RPOYL,HDQ-%)YAD#JP PP8\<?
MG19>#-/@34OMUQ=ZK/J,'V:YGOG4NT."!&-H4*OS$\ <G- '%ZAJEY<:AX%A
MC\-7FD/::G' [3A%"@Q.K1Q[6)92H))X&%'K6-XEU2/7-7\2ZK!;ZE+?:=)%
M!HLMOI\TT8>W?>YWJI7YI-R'GH.:])TWP1:V%Y;W4VJZI?R6<3167VR56%J&
M&TE %&6QQN;<<5K:#HEIX<T2VTFQ\PV]NI"M(V68DDEF/<DDD_6@!="U>WU_
M0K'5K4YANX5E49^[D<@^X.1^%<C;OKWBN^\07%IX@GTJ+3;U[&S@@AB92\:J
M2\N]26!+= 1@"NIT#0+3PWI\EA8/-]F:>29(Y&!$6]MQ5< 84$G YZ]:S-0\
M#6E[?WMU;ZIJFG"_Q]MALIE1+@XV[B"I*L0 "5*DXH XS1[R]\4^-/!FN2:A
M<VKW6D3SO!$L90%7B#J-RD[7/7G/3!%=)\6H))_AY>^7=2P;)K=F\L*=X\Y!
M@[@>,D'C'*CMD'>MO"^F6>HZ9>6L;P_V;:/9V\2'Y%C;;G(ZD_(.<^M6->T2
MU\1:)<Z3>F5;>X4!FB;:ZD$,"#Z@@&@#A8]&U.\^)NKVD'B&]M!%I-F)KF*.
M(S3-NEVDDH5 ZDX49XZ5FCQOKEYHWA>R>XO5N;\W?VV[TVS66=EMY#'\B$%5
M+'!)P<=NM>B:7X<M]+U*;41=W=S=S6T-M++<.I+K&6*L<*/F.\Y_E6<? .EK
MI=A9V]S?6TVGS2SVEY#*!-$TK,SC.W:5.X@@@C % $/@?4]8NY]5L]2BU)[6
MV>,V=YJ-IY$LR,#E6  !*D=0!D,*C\1?\E2\$_\ 7+4?_1<=;F@^'+;03=RI
M<75Y>7CB2YN[MPTDI PH.   !P   *EO-#M;[7=,UB5I1<Z<LRPA6 4B4 -N
M&.?NC'(H \UBUCQ0O@&/QE+XCG>6*\V?8OL\0ADB^T^45;Y=VXCG((QQQWI]
M]J%YX6\0_$;7HKVXN'M(+5H[>14\MF=#LSA0V$S@8/(SG)YKN/\ A"],_P"$
M0/AGS+G[ 9/,W;QYF?.\WKC'WO;I1=>#-,O=8U+4)Y+IDU.V%M>V?F#R)E *
MAB,9# ' ((H Y;1=7\10:_I,>_Q%J-O=.8]0&HZ6L$<65)$D;*HV@, -I)X/
MJ*RTUCQ8GPTO/%K>(Y'NG<PV]L;>(11XNQ&&/RY)P&!YZ-ZC-=OIW@BULM0L
MKNYU75=2^P BSBO9U9("1MR-J@L<9 +$D5-_PA>F?\(>?#/F7/V OYF[>/,S
MYOF]<8^][=* ,9+C6/#OC2QT^\U^74;34+"YG<WD<:"&2+8=RE%&$(<\'.,=
M:YJ+Q5JL-QH-]!KNL:B+W4;>VN6?31#I[I*^T^4S(K<9^4@G..:])U/PY8:O
MJ=O?7@D=X+:>U$8;",DP4.#WZ*,8([UAQ_#BQ^SZ=;W&LZS<V^F3136,4LZ;
M8#&04QM0;L 8^;=P>,=: '^ ?]9XK_[&"Y_]!CK'U6ZUBU^,<SZ-IEO?RG0(
M@Z377D!1Y\G(.ULG/;BNWTG1;71FOS;-*?MUV]Y+YA!P[@ @<=/E%-70[5?$
MTFOAI?MCV:V97<-FP.7!QC.<L>] 'G.EZW=O=^+/'5]:VUGJ.EZ<]E)I$;,S
MHR$R!I6(&[/&"N1M[U)H^N^)EO-$N _B'4#>31IJ$-UI:Q6T:..7B95!4(2#
MR3D9S7<W/A/3+K7Y]8=9!-=6ALKN$$>5<QGIYBXY(R0#D'''2L^P\ V5G<V#
M2ZIJM[:Z<X>RL[J=6B@8#"D84,VT' W$XH P5\3:T=+7PZ;T_P#"2_VS_9IN
M?+7=Y(/F^?MQM_U'MC)K-N/%.OZK>Z[<65QKT#V-Y-:V-O8:8LUNQB.W,K%2
M6+,#D C:,5Z"/"NF#Q@?%&R3^T3;?9OO?)C/WL8^]CY<YZ<5GW_@*RO+J_D@
MU35;"WU%B][:6DZK%.Q&&)RI*E@,$J1F@#%COO$7B/Q7:Z:VI76AP/H-O?7%
MO##'YL<[2.I4%U.!Q@\?PCIS4.A>*-;N;CPI:W=Z)7FU/4+&\D$2K]H6!9=C
M$8^4Y13QBNTL_#FGV&L+J5JKQR)8QZ>D0/[M8D8LH QG//K69-X"TR33X;:&
M[O[::WOI;^"[@E42Q2R%B^"5(*G>1@@\4 <[XD\9ZOH][XLBMI3(UO/I]M8K
MY(?R6G&&8*.6/< ]\"K7AO5=<C\56MDQ\07VEW,,AGFU;3U@-O*H!4JRJH*M
MR-I'!Q@\UK0_#W1EM-7@N9;Z].K>4;J6YGS(SQ_==6 &UAP1C@8& !5K2O",
M&GZLFJ76J:EJEY%$88)+Z56\E#C=M"JHR<#+')..M &5\3AYND:-9S'_ $"[
MUJT@O0>C0EB2K>Q8*#]:W?$=CH,NBI_;H@BL+66*5)&<Q"%U8;"K @KS@<'O
MBKNK:39:YI=QINHP">TG7;(A)'N"".000"".A%<[#\/K0W-J^HZUK6JV]I()
M8+6^N5>)77[K$!07([;B: *-NVO>*]1\036GB"?28M-O7L;2""&)E9T527EW
MJ2P);H".!6=H?B36/'=UI-I'J,NCQG1UU"Z>S1"\LK2-&%4NK ("C'IGD#-=
M-J'@>TO=0O;NVU35--^WX^VPV4RHEP0-N2"I*M@ $J5)Q3[KP1IK_P!GMIUQ
M>:1/86_V6":P=5;R>/W;;E8,,@'D9SSF@#SNSUO5]!TN;2XKF=[[4/$]Y#/>
M6EJ)9=J#>[1Q\C><#L0,GCBNS\&ZGK,NMWVGW::Q<:8L"36UYJEF()0^2&C)
M"J&[,#@'DCG%68OAWH\.BG38Y[]2+UM0BN_/_?Q3GJZOCZ]0<Y.<UHZ)X8M]
M&O+J_>]O=0U"Z54DNKQU9]BYVHH5555!). .IYH S?&VJR64FF6L>L7%@+EW
MWQV-H;B[G"KTB78P !.68CCCIFN._P"$M\10^&O$44%_=BZL-4LH+2XU&U1)
MQ',T65D0  _>/8'!['IZ'KGAB#6K^RU!;Z]L+^R#K#<V;*&VOC<I#JRD' ZC
MM6='\/-)2VU"%KK4)?[0N8+JXDEG#.TL3!@V2.,E1D=.PQ0!C7NKZQX-UZ]A
MN=7N-8M?[#N=2"744:LDL)7A2BK\I#=#G&.M9VIV&M_9_!6J:AX@FOOM6K6D
ML]N\4:QH[*Q'E;5! &2,$G/6O0KOP_8WVM1ZI<*[RI9RV1C)'EM'(5+ C'/W
M1W]:PX/ASI\,VFE]5UB>WTN=)[&UFN%:. KT ^7+ #CYB2!P"* +WQ A>;X>
M>(ECN)("-.G;=&%)("$E>01@@8/?!."#S7#Z=I.HW'B[PW9P:]=P-_PC#/+=
M+'$9BAEC(1<IM&"5&=I.%]3FO4M0L8-3TVZL+E2UO=0O#* <$JP(//T-8^B^
M#[31;VTNUOK^[N+6R:QC>ZD5CY1</@X49(V@#V]>M '#3^,M>M=&BTHW=Q/?
M-KT^EF_@M%DG,,0+[EC VF0C Z8ZG%='X.U/69->O=/NDUBXTL6ZS6]YJMF(
M)5?=AHR550PQA@< ]1S6C<>!=)N+*ZMS)=H\VHMJ:7$<H66"X;^*,@<>F"#P
M3G-6M$\,6^CWUSJ$E]>ZCJ%RBQR75ZZLX1<D(H5555R2>!R>M &3XRNM8;Q%
MX:T?2M4?3DU*2X6XF2)'8*D>\;=P(!XQGW[US5QKVMW6O:KIHU/Q"D>D>7:Q
M3:;IB3&>;RU9I)B4(Y+?<7:,?6O1KW1;6_UC3-4E:43Z:96A"D!3YB;&W#'/
M'TK+U+P9;7NJW.HVFJ:II=Q>(J7?V"95$X48!8,K88#C<N#CO0!S>G:SXC\4
M:AI.CW5Q<Z!.-*-]?^3"HF=_-,2JHD5@B_*6Z$\@56L_$7B*WB6WN]6^TS1^
M+TTMIA"B^9;^6IVD 8!).21SG..*T-?\.QZ3-HT>F:/JPM+*U>".\T:X47,6
M2#L=7.'1NN3DAAGOFF>&O (F\*7MIJJ7EC)=:L^J6Y%R&N;9OE",7^8&3Y<G
MJ/F- $/C[5+QY/&&DF?-C'X7^T+%M'$C-*I;.,]%'&<<4[5=6G;4+?3HM=U6
M$16$+K9:)8B>8.P/S2NR,JK@# R,\FMM?A[IK+JK76H:G=SZI9?8KJ>>92[)
MSR,* IYQP,>V<DSS^"+9M3EO[/5=4T^2XACANEM)443K&-JELJ2"!QE2IH X
M.UO-4\4+\.=2O-4N8+N6\NXI&BBB7+1I,N_!4@,0F".G)P <&M.+Q'K=[=#1
M;>_%M/?^([ZS%X(4+06\*E\*",%B!@%@>_6NC3X>:5;Z/I>FV=WJ%HFEW,ES
M:30S+YD9<MN7)4@J=[#D9QWJ>?P+I4UG- );R*1]1?4X[F*4++!.YY*'& .2
M,$$8/.: .3\0Z_KWA2'Q+I8U>6]>WT<:E8WD\<?FQ'S"C(VU0K#(!!V^HYK5
M677]#\7Z#:W&NRZE'J\5P)H9X8T2.1(]ZF/:H(7J,$GCWK2;P!IL^G:M;7UY
MJ%[<:K"(+F]GE4S>6.BKA0J@9)P%[\YK7O\ 0++4M2TV^N/,,FGB41("-K"1
M-C!ACGCZ4 >?^'M?UF'7-+@\0ZOJUAJ5Q,8KBSU"P06<[$'"V\L:\$'&,L<^
MYKIOBA$\WPS\0!)Y(=MG(Y*!3N '*G(/!Z''/H12V/P_L+.6P5M3U6YL=/E$
MUG87$RM# RYVD84,=N> S'%=#JVF6VM:1>:7>!C;7<+0R!3@[6&#@^M 'G2Z
M1J-Q\1-.LH=?O(&7PX#-=K'$9Y!Y_"C*;%ZCG;T'OFJLOC/7HM'L=):[N9;Z
M76;O3I+^UM%DG:&#<2RQ@;=Y  SC Y.*[W2O"MMI6H6]_P#;;Z[NX;(V(ENI
M%8M'YF_G"C)!XSZ#\:K3>!-*FL9;<2WD4C:A)J45S%*%E@G<DDH<8QR1@@C!
MYS0!QE[XH\2Z5X;\4/&VKM!:6:7%C?ZI8K#*K[L/&WRA7[$''<^E7-=U'7]
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M0X+^6<+,AYZ[5<>A^E/U?29M/\"?\(_H$#;F@73X&//E*PV&1C_LKECZD>]
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M,$LI P<#/2M%/#UW/8+=PZ5JP^T^(K&X8ZA+YD\L4;*#*Z8'EC Q@Y. "<4
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M6&,<X7.-N>,UN)XJL=-&O7-]J-Q/'::@MLL/V8;D=D3;#&%YD)+9!/.2>PH
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MTI/$ECH/G$WU];&Z@"C*L@SSGWP2/H:R1XOM;S5K*2RN+UX6AO2MI';*PNC
MZH6#$Y&#D*!][/L* .PHKRFQ^(NI3Z5X+U.[AND&H331W<$-KN-R1$601CD[
M=Q7!R.ASQFN]T#Q+:>(/MD<,%U:W5G(([FUNXO+EC)&Y<C)&".0030!LT53U
M74K?1](O-3NFVV]I"\TA]E&?SKC_  !KVN7-Y=:3XGE5M1DMX=2ML($Q!*,&
M/ '_ "S<%<]>10!WE%<=_P +*T;;<3BUU,V-K<-;75Z+4^3;NK[3N.<XS@Y
M( (SBK5_XXL+/6;K28;#4[^]M8TEFCLK?S-J,,ALY _#J>P- '3T5QDOBHW_
M (E\-'2[[=I.I6%Y</B,?,4$>T\C((+-QQSUI;#QK9P:#H?[S4-9OM0M?/B6
MWM5$TJ#&9&0$*@R1W R<"@#LJ*Y?_A/M(>PM)[>*^N;B[ED@BL8K<_:/,C_U
MBLIQMV]\D#D>HK'\1^/D'A"\U+3FNK"YL-0MK>\AN;<"6(-*FX%>0<HW!&>O
M'- 'H%%<A<>-H;G3]6MX;:_TW5(-.ENX([ZW\MG55.'7J" <9!Y&>126?C2*
MWT70H[B"]U+5[W3HKMX+* .^TJNZ1AD*H+''49/ H ["BL_1M9LM>TU;ZQ=S
M&69&21"CQNIPR,IY# C!%9&M:M>VGC[PMIL$^RSO8[QKB/:#O,:(4Y(R,$GI
M0!T]%9VM:U9Z!IQO;TR;"ZQ1QQ(7>61CA451R22:PS\0M,@BU$WUCJ=C-86Z
MW4MO<VX#F$MM\Q<$@J#UYXH ZVBL=O$^F)XJ@\.&5CJ$]J;M !E2F<=?7@G'
MH#5G1M8M==TQ-0LMYMI'=49UQNVL5)'L2#CU% %^BJ]_=&RT^XNEADF,4;.(
MXUW,V!T [UYG9?$34IK'P3J%U#=JNI&=;NWAM0S7+"'<GECD[=Q&#D=#GB@#
MU2BN9M_'6CR:3J.H7(NK'^S9!%=V]U"5FC9L;1M&<[MPQC.<U8TGQ9::IJ1T
MZ2RU#3KTQ&:."_@\MI8P0"RX)!P2,C.1D9% &]163XFUR/PUX9U'694,BV<#
M2! <;SV&>V3@5S?]B^.)-)&IKXI(UDQ^:-/^RQ"SW8SY73?CMNW9[T =U17.
M7WBZ+3)K2PGT^\NM7EMA<2V.GQ^<T2]"220 N[(!SSC@5#+\0=#CTS3[]3=R
MI?7#6L445NQE$R@DQLG4-E2,>N.W- '4T5Q1^)NE"&\;^R];,UB3]NMQ9$O:
M+C.Z3G&".1@DD \<5>OO'>EVE]!8V]MJ&H75Q9I?0Q65OYA>%B0&Z@#IWQU'
M<XH Z>BN.M/B7HE[]AEAM]2-E>3);K>M:%84F8X$;,>0<_*< @'C-9FM>-;K
M2+6\DLY+K4'7Q!%8.IM5_<(?*W1K@C=D,=K'DEL=J /1**XK3O'#S>+?$%E?
MVMQ::;IMM#.)IH=HB!5V<R')ZX&/]TU?TSQOI^HWUI:M9:E9?;039RWEL8TN
M<#=A3DX.WD!L$B@#IJ*Y.3XA:/'+(_D:@VG1S_9Y-46W)M5?=M(+YS@-QNQM
MSWKK* "BN.O/B3HUE+?![74Y(-/N#;WMS%:EHK9@0,LV>G.>,G') JYI_CC3
M+_4C8O!?6;-;M=0RWEN8DGB7&YT)[#(." <'I0!TM%<G9_$'3+NYL%-CJD%K
MJ,@BL[V>UV0SLP)4 YR-P'&0,U=_X3'21X=U#6W:9+:PED@N$9/WBR(VTIM[
MDG&/7(H WZ*1&W(K;2N1G!ZBN2OOB)I5B;N4V6J36%G,8;G4(;;=!$RG#9.<
MD*>"0"!0!UU%>:ZUXJU3_A8<MC;C6$T_3[!;HPVEK&PN7+-R[-D^60H Q@YS
M2^#_ !E-!X2T_4=:N-7U'4]6;,%H+5-SD*&;R54#]V ?O,>W6@#TFBN;3QQH
MW]C7NI3M<6OV*40W-K/"1/'(V-J;!DDMN&,9!SP:QM?^(RV?AW6I;73M0M=7
MLK,W,=K>VV"4/ DP&P4!Z\Y'<4 =[15/2KQM0TJVNW@F@:5 QCF3:X/N.U7*
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH *P?$5]J^GRV4UGI?]I::2Z7\$0!G"D?*R!F"L <[AUP1
MCI6]10!P7AZVU+29/$_B"+0+B""^EB>TT=&19257:TA .U6<G.,_P\\UWHZ4
M44 %<=K/AXZK\1])O;K38KO38=.N(Y&F1719&="HP>^ >U=C10!R/BSPR7\/
MVZ^'].M4GL=0@U%;2)5A6X,;@E<C !('!/<"LK4+;5O%NNV^HKHMYIUKIVGW
M<:_;-BR3S3(%"*JL?E &<D\G&/6O0Z* ,7PA93Z=X+T.RNHC%<6]A!%+&<95
ME0 CCWK+\:6U]_:/AO5+/3[B_33[]I)X;?;YFQHG3(#$ X+#O7744 >?QZ#J
M:^"O'ED;-Q<ZC=:@]K'D9E$B80CGO[UD7/AB]T[7_P"TKG3]>NK6\TZUB(T:
M^:&2&:)2I5U61-RD'(.3@Y]:]7HH YSP/I,FD>&TBGL6L9III+B2![EKAU+L
M3\SL3ECP3SC)-9/B^+6I?$UH/*UJ70?LC IHTRQRFXW?QG<K;-O3!Z]:[FB@
M#RO2O".K_P#""^(+5K"6SU-=7?4],2:?SF#KL>/,A)R25*DD]S5D^%]:D\'V
MVHM9A]>.LIKES9F0#>0_$(8\ K'M49XRM>ET4 >=:G::MXMUDZDNBWFGVUCI
M5Y;Q+>;%EN)IE4;0JL<* O4GDGCUJ+0['6/"-W8Z@^BWE_%=:'96<T=J4:6V
MGA4C:0S ;3N/(/!'/K7H-OJ%I=7EW:03K)/:,JSH.L99=P!]R"#^-6: /);?
M3O%=GH6GI-8ZE:VLNJWUQJ5OI<J?:55W9HMC9^YD\[2#C%5'\*:U-I?C2.'1
MM0C74OL#6:7MUY\THC?Y][%VP>^,\ @5[+10!Q_B?0KS5_%NCR11L+5=/U"W
MFG&/W32K&%]^Q_*J7AZ\\26>D:%X<'AR6"XLEBMKR\G*&V$,:[2\;*VYF8 8
M&.">>E=?J6K6>D_8_M;LGVNY2UAPI.9&S@<=.AYJ]0!XG:>"[ZS\/#PQ<:'K
MU[=*YA\S^UY$TZ6(OGS& D^4;>2FW.?K7M:*$15'0#%+5;4+^UTK3Y[^^G6"
MUMT,DLC=%4=Z //8H-=T+0=<\,Q>'KJ^ENY[IK*[B:/R'2=F8&5BP*E=Q!&#
MG'&<UJ>'_#E]HWBW3]Z&2TM/#<&GFY!X:5)#D>O3FNI75[-]<;1UD;[:+879
M3:<>66*@YZ=0>*?=ZA!9W-G!*)2]W(8H]D98 A2WS$?=& >30!E^-M%N/$7@
MW4]*M&1;F>(>5O.%+*P8 ^Q*X_&N=GEUGQ)XM\,SOX;O].MK%[@W<URT?R.\
M#( FUB67)^]QU'OCT&H+R[AL+&XO+ABL-O&TLA SA5&3Q]!0!Y<=+\0'X<CX
M?_V!<"[\O[%_:&Z/[)Y6[_7;MV[.WG;MSFM66'6M$\0>*8K?0KS4$U@1/9W$
M+Q^6K"!8R)2S K@KG.#D=.>*T$^*'ALP1W,HU.WLY K"[GTV=(<-T)<K@ Y'
M/2NR5E=0RD,I&00<@B@#RW1[#7/#EUX3O9- N[N*T\/?8KQ+<H9(9"T9P 6&
MXY7L>F?2DN=!UPZ9-KC:1.;F?Q);ZL=-C=#,D$85,?>V[R%W$9[XS7HUSJ]G
M::M8Z9,["ZOEE:!0I(81@%N>W#"I--U"#5=.@OK82"&==R"6,HV/=3R/QH J
M6&M&^UF^TYK*>!K6&";?(5PXE#<8!.""A!JEXUL7U#PV\ T==6C\V-I;7S?+
MD*!@2T;9&''4<CIUKH%CC1W=456<@NP&"QQCGUXIU 'DC^'/$6I^'?$VFV2:
MPNEW%BBV5MK<ZO,;@,20C9)"8"CYCU]JW5EUGQ!XW\.:DWAZ^T^RL(KI9WNS
M&&WR1@ !58_+E<9[YKI=2\36&F:Q9:3(EU/?78W)%;6[2E$W!2[D#"J"0,FM
MF@#R*QTWQ%>_#?3_  1<>'+NTN28DFO'>/R(HEE#E\ALE\#&W'7VYIFH:#>:
MZ_B9K&.::6P\4Q7A@@G,,DJK;QAE1P1M;#$@Y'(KU\@,I!Z'C@UGZ+H6F^'K
M-[32[;R(GD,KY=G9W.,LS,22>!U/:@#SD>#YM?761;Z9K%B)M)ELX+O6]0DE
ME,CD':$+OA/E&3Z]!74Z1K'B"\N-*L3X;FT](%QJ$]X4*+A,!82CG<2V.<8"
M^YKKJ* .1^&MM?:=X(LM*U+3[BRNM/!MW$NTB3!SO0J3E3GOCH>*/$=K?)XX
M\,ZI;Z?<7=I"ES;7#6Y7,/F^6%<@D?*-IR1DC'2NNHH \G73/$$/PZD\ +X?
MN'NS&UFFH;H_LIB9C^^+;MP.TYV[<YKU2"+R+>.(,6"*%R>IP,5)10!YWI[>
M(O"]EJFB6?AZ:^NIKZ>>QO"R?9F65RX,IW!EV[B",9...M/LCKGA.ZU^U'A^
MZU7^T;U[ZTGM"@C9I%4%)-S IAEZ\C'TQ7H-% 'GG@_PEJ/A[7]$6XC$D-GX
M>:TEG4C:)C,KE1WZ9QQT%5G\-ZN?A?>Z6+%_MLFL-<+#D9,?VX2;NN/N<UZ9
M10!YEINM:CIOBCQM!9^'KO4C+?IY+VYCV^9]GC&V3<PVKT.>1R?QKVO@K5]*
MM4L1";CRO"$VGF5&&UKAGSL&?QP?2O2K33;.QN;RXMH!'+>2"6X8$G>X4*#S
M[*!QZ5;H \M;3_$$,^G6FH6FOR:9%I-M%;P:/<K#^_"XE69@ZL/X<'.W&:9X
M7\,:U8Q^$([K37A.GZKJ$MP#*)!&DBR[#N)RP.Y1GKZUZ9!J%I<WUU90SJ]S
M:;//C'6/<,KGZCFK- 'FNO\ A;6-0U7Q5<VEJ&:2?3;JS5W"K<F#YF3/;ICG
MC)%6/$<>O^.]#U32;;19=+M)+(@2:AM662X#*RHNQCA,*06/J,=#7<ZAJ%II
M6GSW]].L%K N^21NBBHEU>S?7)-'61OML=LMTR;3CRV8J#GIU4\4 >?Z-HDU
M[XBT>9]!\0P?8G,\\VKZM)-'"X4@")?,8.221G &/KBO2;JVBO;2:UG0/#-&
MT<BGNI&"/R-2T4 >+1>$_%UIX>FU5;(R>(M+NK>VT]-ZYFMH8VAW9S@!A+(V
M#Z5U]CX6N=(\0>$8K>$O9Z;I5S;33@C'F-Y6">^6*L:[JB@#RSPMHFLQVW@2
MVN]'N;9]#FN(;MI2A7!@95=2&.5)8 =\YX[UUNB:;>6WCGQ3?30,EM>"T\B0
MD8?9&0V/H36WINH0:K81WEL)1%(6 $L91N&*G(/(Y!JW0!R7CS2;[Q'9Z=H$
M$4HL;V[4ZC.C >7 GSD9ZY9@H&,]ZR=2\'7NB>(-$\0Z1=ZKJ=Q;W'V>ZBN[
MKS2;608<KNQ]T[6Q[5Z'10!X]I=SJ^I>!M?\-V.@7,TE_?:A;0WH9!;JKS.&
M>0EMP*Y;C!S@8Z\:>FZA=^'?'WB2UM]&O=5C2TL(]]ILWAUB8*&#,.#SSVQS
MUKT/3]-L]*MW@LH!#$\KS,H).7=BS'GU))H@TVSMM1N[^& )=7803R G+A 0
MOMP": //M$\)ZQIEWX7-Q;@M!::FUV8V!2&2X=75!Z]2,CCBH/#FD:UX4'AW
M59M&NKM4T)=-N[>V*--;R*^\-M+ ,#D@X/&!7J=% 'F^KR>+K\Z7<7NGZC::
M9)+<-<6NC2JMTB\>3YC;O3<6V'J1Z5ACPQKZ:/XD^S:'=B6YU6PN[2WN[L32
M2I&T9;?(6;GY"3DG&<#.*]6L=7L]1N[^UMG9I;"803@J1M<J&P/7AA0=6LQK
MHT;>WVTVQN@FTX\L,%SGIU/2@#A]6L]7\6ZH^H+HMYI\%AI-Y;QI=E!)<3SJ
MHV@*Q&T;>I/)/'K64_A6_P!/OM(U*[L-;N+=M#MK*>/2+UH9K>:,=&"NNY3N
M/<X(]Z];J&\N[>PLI[R[E6&W@C:261CPB@9)/X4 <]X$TF32=#G\[3Y;"2[N
MY+DPSW;7$OS8 ,CL3\Y"@D D5G^,(]2MO&/A?6;+1[O4X+%+Q9TM2FY?,5 O
MWV4=CW[5VD,J3PQS1-NCD4,I]01D4^@#@]>U;Q)K.@@Z=H>LZ8T=Y#]J7,(N
M)+8YW^20[#<,+UP<'BLO0_#%Q=>,K^:YTO5XM'O=%DLFFU2[,\TC&09R"[;
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M?M-<WB6YSARS,$)RP49[#.*V-?E\0^+O#VOV-MH,UE:2Z9)%"+W:D\UP>BJ
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MH X'0-3O-3\2>#VOK@W4UM)K%H+H@ SK&517..,D 9]Z9X7O=1\3P>$M'O\
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH *P[KQ5865_J]I<K-$^F62WTK,!MDB(;)3GG!0@YQSBMRN$\>^
M%=2UO5-+GTR-3'./L&IDN%_T1I$D8\GG&QA@<_.: -.V\;Z;J&F:+=6\=U_Q
M.?,$"!5#Q;%9G+\X&W;@XSR17/Z9XROY-7\&65G!J5YI^I:?)/+<3K")),;
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MQ16& !N)!&>*T=)\,W+ZR+VW\)KI?V>TF5)-5OWNF>9UVA559641]=Q/)&,
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M5LGY0<C'2G6EOXD\*ZOK,D&BG6H]4D2Z66VGCA\N?RU1U<2,"$RF01NP#C%
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MRRF1\L"I(8%=O()Z8Z@UMZYXEBT>[M+"*QNM1U*[#-#:6H7<57&YV9V5549
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M !1110 4444 %%%% !5>:QM;B[MKN:"-[BU+&"1AS'N&&QZ9'%6** "BBB@
MHHHH **** "BBB@ JO+8VL][;WDL$;W-L'$,I'S1A@ V#[X'Y58HH **** "
MBBB@ HHHH **** ,_3M#TO2;B\GT^QAMYKV4S7,D:X:5SDY)[]3^9K0HHH *
M*** "BBB@ HHHH **** "J&K:+INO68L]5LHKNV#B3RI1E=PZ'%7Z* $551
MB*%51@ #  I:** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "L/7/!^@^
M([J&YU6P^T30H4C<2NA52<D?*P[UN44 <S;_  ^\,6MO=P0Z:RQ7<7DSJ;F4
MATR#MY;ID#Z].E:SZ)ILFH6E^;2,7-I$T,#KE=L;  I@<%>!P<@5H44 <[8^
M!?#6FZA%>VNEJDL+%X5,KM'"QZE(RQ1#S_"!3KOP1X<OM3?4+G3$>>1UDE'F
M.(Y7'1GC!V.>!R0:Z"B@#G]1\$>'-5U.34;W3$EN90HF/F.JR[1A=Z A7QVR
M#4[>%-$>329#8@/I*".R99'4Q*  %R#\P^4<-GI6S10!CR>%=$E\-_\ ".R:
M?&VDX"_9BS$8W;NN<]>>M3ZKH.EZW8)8ZA9I-;QLKQKDJ8V'0JRD%2/4$5HT
M4 9FC>']+\/Q31Z;:B'SGWRNSM(\C8QEG8EF_$T:UX?TGQ#;)!JME'<I&V^,
MDE6C;U5@05/T(K3HH Q]$\+:+X=:9],L5AFFQYLS.TDC@= 7<EB/;-/7PUHZ
M64%FMDHMX+O[;&FYOEFWF3?U_O$G'2M6B@#+G\.:/<QZE'/812IJ;*UXKY(E
M*J%!(/0@*.F.F>M5[#P?H&FP7<,&G*ZWB>7<&XD>=I4Z!2TA)V\GC.*W** ,
M+2/!N@:'=_:["PV7 C\I9))I)3&G]U-[':/88J=O#.C/X<7P\UBITI45!;;V
MP%5@P&<YZ@'K6M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%,FFBMX))YI%CBC4N[N<!5 R23Z4 /HK(\,^)+'Q7HJ:MIHF
M%J\DD:F5=I.QBI.,G@XR._L*UZ "BBN8\3>-%\+^?)<Z!K5U:01>;+=VD4;1
M*.^2TBG(^E '3T5R*^/H4TR34;SP_KEC;(T*JUS#$/,,LBHNW$AZ%@3G''KT
MKKJ "BBLS7]=M?#FE_VA>1S/#YT4.(0"V9'"#J1QEAGVH TZ*S/$&NVOAS26
MU*\CF>%98XBL(!;+NJ#J0,989YZ5IT %%9LNMVT7B2VT-DE-U<6LETC@#8$1
ME4@G.<Y<=O6C5];MM&?3EN4E8W]XEG%Y8!P[!B"V2./E/3/TH TJ*J6%Z;Y)
MV-I<VWE3O#BX0*7VG&]<$Y4]0>XJW0 445F:]K]CX=T\7=\TA#R+%#%$A>2:
M1ONHBCDL: -.BN6LO&T,NK6NFZGHVJ:/->$BU:^C39,P&=H9&8!L9.#BNIH
M**** "BBB@ HHHH **S];U9-#T>?4I;>>XCAVEHX "Y!8#(!(Z9R?8&M"@ H
MHHH **** "BBB@ HHHH **** "BBJ.IZM9Z/#!+>2%%GN(K:/"DYDD8*HX]S
MUH O4444 %%9N@:W;>(]"M=7LTE2WN5+(LP 8 $CD D=O6JD?BBWGN+^"WL;
M^>2QOX[&811JV&<*V_[WW '!)ZC!XH W:*** "BJ.H:M9Z9+8Q74A5[VX%M
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M*O4 %%%% !15>_O(].TZZOIE9HK:)YG"#+$*"3C/?BFZ;?Q:II5GJ$"NL-U
MDZ!P P5E##.,\X- %JBBJ.DZM9ZW8?;;&0R0&22(,5*Y*.4;@^ZF@"]115!]
M8LX]:72"[?;6M6NP@4X\M6"DYZ=6'% %^BL[0=9MO$6A6>KVB2I;W<8DC64
M. ?4 D?K6C0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M61S\B2R1%8BWIR",^IJOX=\"36/B:SU>YTW0]+2RCE$<&E!CYSR *6=F5<
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M7<A*_>F3&US[C:O/M0!YE=65AJWAWQMKFL7<T6KV-U>113"Y=&M$C!$*H 0
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M01B2:/)"C) ^G)H YGP#*]AX@\6Z=?7L.H7-O<0W%QJP 3SBZ8".H.U2@0#
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MIEOIHL8!96[(T,&WY4*'<I ]B :J:GX/\.ZS?_;=1T>TN;G #2/'RX'0-_>
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M(7:2VLS"X=,YQN+$?,V/ITH U;/Q9?1ZS:Z7KNAMIDU[&[VCI=+.DA0;F1B
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MJ(\:VJ:7<6;9)W!Y&0@@8Z84]ZD\#Z?J>C^$;#2M6@MX[BQC6V5K>8R+(BJ
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M8++)M W@C!4@'D$5MS^+-4.HKI.G^'_M>J16RW%Y$;Q4BM@Q(5?,VG<QVD@
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MM71?#&>6X^&^AR3RO*X@*;W.20K,HY^@% %O5/&.GZ9;>()/+FE?0X4EN44
M;MR[P%)ZG'\ZWH9EFC5E(Y4$C/(R,UXUXBT[2[:?XK2Q6MM'=_8XF5E4!\/"
M&<CO@MR?>MR?0;#PSXM\'2Z):+!<W2745PZD[KK%N7'F'^,[E!R>: /3-R[M
MNX;L9QGFFRN(HGD(R%4MCZ5X#IUG>S^#++7R_AZUU5[E&.KRW4YO?M)DP8V5
M8R22<J8^1C\Z][N_^/*?_KFW\J .%MOB9<2Z%'K\WA'5H]%:/SFO%E@DV1]W
M*!]V!U/'2N\CGBEMTG213$ZAE?/!!Z&O"=-L!)\&K>6?QV\$ T\NVFRF$1,
M"?*.T"0AL8QNSS746"V/BOQ=8Q^)["!8#H%M=66FW _<J[EO-(4\%E^0<\@4
M >I$@#)/%(K*RAE8%3W!XKQ>WN;6?2X=!6U?5;*3Q#<P:1;S7?EVTL,:;MLC
MD,7C5BX5<')4#G%9EVILM'^)6G0II]FD-O9/]FTN1F@AD9FW;<@8;A<X Y%
M'O6] I8LNT=3GI6;IFN0ZIJFKV$<3H^F3I#(S$8<M&KY'X,!7#:CX8T'3O&'
MAW09;*&/0KB.YN#!(28[J\ C"^9D_,VS<1GJ<FK/@(Z-H^J>-!97,$6EP:E&
MJNTH\N/]S&"H8G  ;*@=L 4 >B5E>(M>@\.:)<:G/&TR0&,-'&1N.]U0=?=J
MU#G:<=<<5X/>:=H5Q\(5UR^\K_A))KM!<W+/_I#7'V@!XF[X !^3H  <<9H
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M!6'"=1\07_A"SO8=,U&!_#4-S%!K$[K%-.2!(V K!W"[>". Q- 'MQ8!2Q(
M'.30"& (((/0BO%8M.>Z\/0:8VKZ)(L>O2K9:?*T\MC)B/)MF<J,A269>HR
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MO$MVR+XM1Y7:]+_Z5'>K(0D0/4<A5"#C':@#V:UL[+38FCM+:WM8V<LRQ(J
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M!1B4&UL@<@$<^U+9>,M65]%N=7T2&STW69$BMY([HR2PR.I9!*NP ;L=B<'
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M?/BM;6 Q7[YC;[05Q]P91,  =&'4+0!ZBEC:1O<NEK"K7)S.1& 93C;EO[W
M Y["JEYX=T74-.AT^\TFQGLX !#!);JR1@# VJ1@<<<5SC>,-;O&U"\T;P]'
M?:587+VSM]J*W%PR';(8H]A! .0,L,XI^O\ BS6M,DOIK;2+%+&R4,9=2O\
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MP/6J^C:'XBUS3_"_]LS:<NFZ=Y%ZC6Q<S7+JG[O<" $ SDX+9([5Z"RAU*L
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M]EI;HL6T$3>8"<Y_AVXQC'?-7J* "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HI-PW;<C)[4M !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%
M%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5S/B;7=4TN[@AM!
MI5K;-$9)+_5;GRX@P.!&J@[BW?/  ]:Z:N.UWPG?WGB^+7[%M+G868M?(U.!
MI%APY;S(\'@G.".,X'- %[P5XF;Q5H+7TD<"RQ7,MM(;:7S(G*-C>C=U(P1]
M:Z.N1\/>&M:\/:5-:PZG:33SZJ]Y-,\! >)V#.H4'Y6ZXY(%==0 5Y=K=UK3
M^)O'5O)+ =/BT$,J>8^4!2?:5'0,2#N]@*]1KCM7\)ZC>:_K%Y:7EJEIJVE_
M8;B.6-BZ,JR!&4@XQF3D$=J ,KP]XB\0:9I_A&/5+"P73-3CAM(3#,[3Q-Y)
M9"^1M.0AR!TSU-5+CXKL(+W5;>70O[-M)G06<U^%O9T1BK.J] 3@E5/)&.1F
MNIN?"LT^G>%;47,8.BW$$TC%3^]$<+1D#TR6S6*G@36=/M[G2=*O]+ATN:=Y
M([B6SWW5LKL69%.=K<DX)Z9Z'% '9WFKVMGH,^LNQ-I#;-=%E')0+NX_"O.]
M9U/Q+J/_  AUYJ>GV-O8W>LVLT:V\SM+!E6*K)D8;(/)&,$8YSFO1[[3;?4=
M&N=+N S6UQ;M;R8X)5EVG\<&N-7PAXGG&@V=_K.GR6&C7<,Z&*W99;D1@A=^
M6(!QZ=3SQTH I)XJN=+M9DT71[4W5[XGN=.V23.$9\.?-8\D<J"0.V<"K%]X
M[U*UU9M#DN/#=EJ-I;I+>S7UXT<)=\E4B!PQX ))Z9'!J[%X'N([BWD-[$1%
MXBFU@C8>4=7 3ZC?U]JEU7PIJ*^)KK7-%DTQI+Z&..ZM]2@:1-R9"NA4Y!P<
M$=#@4 4K3XA7&N6&BQ:)96S:KJ;SHRS3EH+<0'$C%E&7&2NW&,[@>*H^*-4\
M8?9]$BEM;2RN5UZ&!G2=_)N@1N0C'S!"<AE;G*C&:UV\&ZI;P:+>VFJP2:WI
MAFW2SV^V&=9?OH53!4#"[2,D;><YIE_X2\0ZCIR3W&M6TFKQZG%J,2M$YM8O
M+&T1*N[=MQDDYR2: .DU_6X?#?AN]UF]4M':0F1T3^(]E&?4X'XUR&E?$.>3
M6M+LM0N?#\ZZFQBC72[[SI+:3:6"R#^('!&X8YQZUUVO:)%XC\-7FCWS[5NX
M#&[Q_P +?WAGT.#^%86F>'/$2:C8S:C>Z2L%D"<6-GY;W;;< R%L[!WPO?O0
M!7LO&^J7FMQ^&SI2)KL5RPO@2WD16HP1.K=]X*A5ZYSG&*@/C'Q/-9Z[JEKI
M&GMI^C7=Q"Z23.);E(6.XI@84[1WSDY'%36O@.]M+ZWU]-31O$ANFEO+DJ1%
M<0M@&#;G(155=O7!7/<UBZ'H_B/5['Q5IUIJ5G;:9>ZS?12M+ S3PJSD/Y9!
M"G(/&1P23S0!IZA\1UFU=K'2+S0[5(K6&YDGUB[\D/YJ[T1%')^7!+=LC@T0
M_$._U>#PX-$TZU>YU@W4;B><^7 \&-QW*#N7KC YXZ9XLS^"+S3-7DOO#K:8
M8[BVAMYK;4H&D53$NQ'1E.0=N 1WP.15RS\(7=O?^&KN?4EN9=*6Y\]S"$\Y
MIE ^55X4#T],4 95SX_U/3-%UDZEI]HNI:5?0VDKQR/]F"RA&69C@LJ@/DC!
MZ>_$Z^/+G3_#&K:WJ::7>VEFD9M[K2[L/%<,YVA#DDH0Q4$G(P<]C5RX\*ZH
ME[X@OM-U6.UN-1N[>YBW1;TQ'&J&.0=U;:<X(/-9(^&;:C'KDFI26%E-J=O%
M"(]*MRD4;1OYBRL&/SONQZ<#'>@"?1?'TL_B/3](U"ZT&Z.HJ_DOI%[YQA=5
MW%) >Q .&'<8QS6WXPU^_P! M=,.FV45Y<WVH1V2QRR%%&]7.XD X VC/'3-
M5=(\/Z\FLVMYJEUI4<%JC 1:=:;#<.1C<Y;)4#J%7N>O:JOQ*BO)8/#*6$RP
M77]NP>7*Z;U4[)/O#(R.QY'6@">#Q/K5IJ.I:/J6F6UQJEO8_;[1;&4JERF2
MI7Y_N,&P#DD8.?:J&E^.;YO%NF:)J$V@W+:BLF%TR[,DELR(7PX/4$ C/'(Z
M4[4/ NJ>(;?6;C6=4MXM1O[$6$!LHV$5O$&WG.XY;<V,]..*6R\&:N->T+4K
MB31K2'2GD(L]-M6C1P\;(6+$]>1@8P.>3V *.@>*+EM#T#2_#VEV<-YJ!NY0
MDTKF&WBBF8,Q/+,68C ]2>@%:'@*2_E\1^,FU."*"[%_")$B<NG%O& 5) ."
M #STS4=EX$U+1[#19M,U"U&K:7]I3,T;&&>*:0N4;!R"#M(([@\<UL^%M U+
M2+W6K[5;Z"[N=3N$G;R(RBQXC5-H!)X&W ]J ,2_U;5-.^*MY)/-"-&M-"^U
M21[W)6,.Q9@O3?E<?[H'>GQ^,?$-KIVFZ]JNEV$6B7\D*E(9F:XMDE($;OD;
M6Y9<@8QGOBM/5_"MSJ/BPZDEQ;FPNM-?3+ZWD1M[1EF;*,#@'YL<CI6;'X-U
M^ZT_3="U75K*;1+"6%]T4#+<7*Q$&-'RVU>57)'7';- '7:Q>7-AI%U=V=F;
MVYB0M';^8L>\^[-P!W)]!WKDM%\;WD_B^UT&^N-"O&NX))5?2;HR&!DP2L@/
M8@G!XZ'BM_QAH#^)_"UYI$5R+=Y]A#LNY3M<-M89&5.W!'H36)I_A#5D\3Z1
MK%W+I-M#I\<T0LM/MC&F)% +;B>3E5XP  * %^(]UJ]M#X>&E2PQF76;>.3S
M'==Y+?*IV]4)'/T%8EG?>)K3Q-XXETFTTZ5+>YBFF:ZE<;R+:,E$"CCIU/J.
M.M=CXNT*[UW3K-=/N8(+RROH;V$SH6C9HSG:P!!P<]JCT[PW<VLWB2:>XB9]
M8=9 $4@1D0K&>O7E2?I0!@?\)9!<:I:ZU!IB>?+X5EU*.1Y&W*NY&\H@<8R1
MSC/%.@\9>)7TO2YI=+TU;S77C72X%G<[%,;2.\QV]E .%SUQ[U+;> +F"UM(
M3?1$P>&WT4D(>7;;\_T^7I6A>^$KJ30?#\5E>Q0ZKH8C:WG>,M&Y6/RW5ER#
MM92>AR.* ,WPQ)JS_$_7UUB&WCN4TVT -L[-'(N^7# -R.XP>XZUJZ]K^LVW
MBG3=!T>RM)9+RVFG:>Y=@L(1D&2%Y8?-C'')'/6C0- UBU\3ZEKNL7UI/->V
MT,"PVL;*D(C9S@%B21\V<GN365XFBU9_B?H+://;Q7":9=DBYC9HY%WQ94[2
M".Q!'<=* +,7B_5Y-+U*(Z9:#6=.O5M+E6N=ELBL PG+MSLVL#C!;/'O6;!\
M1;M(_$D,S:/?W&E:8VHQS:9<%X7P&_=OU*L"H[G@U)>_#R^O=.::>_L[C5YM
M534[E9H";68HFQ82F<[%7&"<G(S2R^ M5O)M;GNK[3HFU+17TQ(+2W*1V^22
MI'.6'S$D\?2@#.UO5_&MTGA6Z>+2[-+W58C%#'<2DE6B=E2;  (X).,\@5OS
M^.);+2/$TMW:(-1T>Y^SQVZ,?W_F;?LY_P"![P/J#5O7_#5_?Z/H<6G7=M%?
M:1<Q7$;7$;-'(4C9"" 00"&)_"N=O+"S\1_%VT>QN#)%I\0EU>-%.SSHF/V=
M2?[P+NV/1!0!VFMRZA%X2OI8#"FH):,V=S!%<+S@CGUQ^%<;X=\2:^/#OA71
MK6"RN=8OM-6Z,\\K^7%;JJ#>_&YG)8# [YYKT*]MA>V%S:,Q43Q-&6 Z;@1G
M]:X>P\&:_IMIH=S;ZCIW]K:1;-8*3"_DW-KA<*XW;E<% <CC/:@#>\-:_=ZG
M=:IIFJ6L5OJFF2HDX@<M%(KKN1T) .",\'H0:J>)?$.JZ9J!@MSHMA:)")/M
MNKW?EI*Q)^1%!SP ,D^HP#5SPUH%UI=UJ>IZG=Q7.J:G*CSM"A2)%1=J(@))
MP!GD\DFLK4?"&IMXQO-=L)-)F-Y#%%G4;9I7M"F1F+!'!SDCCD=: ,M_B;--
MX=\.W\<6G6+:NTZ/=7TS?98&B8J1N YW$';DC@&KFI^.=2TKPYI]Y>6VF6\]
MW>FU^V-=>99(@#$3%UYVMMP <')Y(HL/!>NZ-X:T[3+/5;*Y-K)<>?!>VY:"
M[220N"P'*LN>V1UXHT[P/JVC:,\>FZC80W,U_)>3V?V4_8G5U"F$)G*J, @@
M]>U $>H:_<W?ARSN-6T_3KL?VU:0P36=V9()@TJ;94*G(*D_=;NO<&FIX]U2
M[\0WUC90Z.6L[XVITVXNS%>RH& ,J!L+@@[@.<CODT6WPYN$MKEFN+"VGNM5
MM-0>WLH#';Q"!E.U%SG<V#EN,D].*=X@\"ZSX@%U87E]I=Q833F2*\GM";RU
M0MNV1L#CCH&XP.H- %GPW=:U-\2O%L-U+ ]C";<(@=R4!0E-H/ R"2WOTJYK
MFH0V?CC2T-E')<?V;>S1SL[ H$\O*@ X(.1R>>.*LV&@W^G^-=4U:.YMWT_4
MHHO-B9&\U)(UVC#9P01UR,T[5_#DNI>)+/5$N$1+>QN;4H5)),NS!^@V?K0!
MSFG>-_$4EAX=UF_TO3HM*UF:"W$<4SF>)I>%<Y&TJ3VZ@$<UU?BOQ#!X5\-7
MFL3Q^:L 4+'N"[W9@JC)X R1D]AS60/!LX\)>&-&^UQ^9H]Q9S/)M.)!"1D
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M:Z\1^);OQ-K>D:'I^FE=+6%C->2N/,\R/<% 4=>O/0<=<U7L_'.H^(8]$M]
ML;5;W4-/_M&<WLC>7;Q[@F/E&6);('3@9KH--T*2Q\2Z_JK3HR:GY&Q .4\N
M/8<^N:X*;3E\ GPVIUNUL-1MM.>R>[O;=FL[B,.&V%@P*."=PYY&: .U\'^(
M-0UZ+5EU.QAL[K3M0>R9(9"ZMM1&W D#@[^..F*Y+6[K6G\4>.;>26 Z?%H
M8)YCY0%)L%1T#$CYO8"M?X71W3:7KE_=3FY%_J\UQ#<^28A.FR-=ZJ>0I*''
ML!UJUJ_A/4;S7]7O+2\M4M-6TO[!<1RQL71@L@1E(.,9DY!':@#)\/>(O$&F
M:=X135+"P73-3CAM(3#,[3Q,82R,^1M.0AR!TSU-54\:+HFBQ_8[.PT];S6K
MVV>YO)G^S0LDCDNYY.7(X&0,D] *ZBY\*S3Z;X5M1<QAM%N8)I&VG]Z(XFC(
M'IDMFJ$7A#6M/TSR=/U*T9SJ%U=2V]U 7M[B.9V;8XZ@KD8([CH: -[PUJ=_
MJNF-/J$-FLBRLB2V5P)H9T&,2(1R <XP>1BO./$ \*/\5M:'BJRDND%A:?9P
MEK--M/[S=_JP<=NM=UX-\+/X:AU%Y6M5EO[G[0\%E$8K>'Y0NU%)_P!G)/<G
MI5FRT&2U\9ZMKK3HT=];6\"Q '*F/?DD^^[]* .$T'5I/"]KKMYI>F7PT:[O
M;6UT*QO-\1>=QM<J'^9(RQ!Y'8X%;M_K^M6;W.A^(;6Q62^TZYEM+BQ=RA:-
M/G1@PR" P(/0^U=#XHT ^(M(6VCN3:W4$\=U:W&W=Y<T;!E)7N.,$>AK%;PK
MK6L:D=1U^^L3-!93VMG#91.L:-*H#R,6)). !CH!ZT 8&@:_9:)::+=75F&-
MIX,2\>Y#MO*+LS&%SMY/.>N:Z.RU?QI*EK/<:+IQ@O86>-8)V+6K["R"7< &
M!.%)7H3WJK!\/0\5M;7MVLELGAO^PYA&I#,<KEU)Z?=JYIVC^)K>;3QJ^N6I
MT[3%)/V.)XY+O"%09<L0 !R0,Y(% $=GXW?4=+\+RVEJAO=9F\N6!R?W C!,
MY_X"5*_4BM?Q#K<NARZ0XA1[6[OX[.X<D@Q>8"$8?\#VC_@5<EX"TVTOO&/B
M#Q'83F?1_.:/36VX3=(%>X9,]07 &?9J[+Q/HO\ PD/AN]TQ91#+,@,,I&?+
MD4AD;\& /X4 <G_PLLA?%A-BO_$I'^@_,?\ 3/G>$?\ D9"O'J*O#Q%XFU2_
MU&WT/3],=-+98+A[J9U\^XV!V2/:/E W ;F[GI5)?AH1/X5D-^-NE1XOQL_X
M_&#K*#[8F!;\:T9O#GB#3=7U6Y\.:C816^JR">:.\@9S!-M"ETVD9R%!VGN.
MO:@ T'QP/$&JZ/!;VOEV^H:9+>MO/SQO'(D93T."S<^U8FMZ[-K4NG+)$L7V
M#QE%9+L)^=44G)]_FK0B\"W^A?V%/X<O[;[3IEI+9R"_C9DG21E=F^4@JV]<
M_CBFV?@+4(K>(76J0SW \0C6I9%B*!AM * 9..>G)XQUH R/%OB+7]=\">*+
MW3K"R_L...YM0SS,+B14RCRK@;0 0?E/)"GD5Z+#=167A^.[G;;#!:B61O15
M3)_05QFH>!M?_L36/#NE:M8P:-J+3.IF@9IH/-)9XP0=I4L3R1D!CUX-=NVG
MQS:.=.N/GB>W\B3'&Y2NTT >=V?Q4=TT[4;J70?[/OIHX_L=O?A[VW60@*SK
MT.,C<HY7/?%:MYXWU2TUV?PW_92/KDMPOV  MY$ML>3,S?P[ &##KG &<U'I
MG@O7;&'3M,;4=+&FV+IBYBLL7<\2?=C8DE1P "PY..U/O/ =[>WUSKSZFB^)
M!=++8W(4F.WA7($&W.2K*S;NF2V>PH LS^(_$6H:GJ\'AW3]/F@TEQ#,UW*Z
MM<3; Y2/:,+@,!EL\GIWJAJ7Q!N%UE]*MFT;2[FVMHIKK^VKP1XDD7<(E"GD
M@=6S@9'!J_-X;\0V.HZK/H&I6%O#J[":=;F%W:WFV!&DC((SD*#ANXZ]JKR>
M"M3T[5'U#2+RQNY;FUA@NQK$+2F1XEVK*&4YW$=1T..U %*3XIPW.DZ(]G_9
MUK>ZFTRL]_=A;>W\D[7)<??R<!<8SG/%/M_B8TFFW\2PV%[K%O>6]E"+&ZWV
MUP\_^K8/U4<-N')&TU;N/ U^+?1;N#4;6XUC31*KR7=J/(N5E(+J47&T @;2
M,XQSG-+)X)U*_P!(N1?:G;1:FUY#>VC6EL%@M'B.4 4\N#SNR>=QQB@"IITF
MN'XO6T>MP6:2+H4YCDLW8QR SQ9X89!'X]1]*M^.[K6H->\)1:7+ D<VHLKK
M*[J'812$!MO5< GZ@5;TOP_KY\91^(=:O[!REA)9);6<3JJ[G1]V6)))V'/X
M>Y-OQ7H5_K#:3=:7<VT%[IMX+F,7,;-&XV,A4[2#T?/X4 <3INL^(](@\;:C
MIMCI\UA8:O=W$WVF9UDE"JK,J #"X4=3G).,<5LZK\0_^)M#INFW.C6;?8HK
MR6?6+KRE D&4C51RS8&2>@&.N:U(O"4\?A_Q5IINHR^MSW4L;[3B(3(% /KC
M%4)/!6HV.H0:CI$VF27#6$-G=PZA SQR&(8612#E3R1CH1CI0!N>$/$L?BK0
M5U!$CCD262WF2*02()$;!VN.&4\$'T(K \3^,]8T.7490N@V=M9@F*+4KW;/
M>@+N)0+]W)RHSDDCH*ZCP[I=SI&D);7EXMW=%FDEE2(1+N8YPJCHHZ#J>*Y&
MX\ ZK]J\0):W>E"'6)I96O9[0R7<(==IC4YQ@#A3VST- %IO&&M:GK.GZ=H.
MGV6;W1X]4\Z]E8+$&;&TA1ECR/3N>V*S[7Q]XAFT6QU^?2-/ATM[U+&XC%PS
M3;C+Y+.G&W:'Z \D#J*WM \)W&DZOIU]-=12?9-#BTME12-S(V=X]CCI51?
M]PO@:'P_]MB\V/41>>;L.TC[5Y^W'KCCZT -D\4^(K]M7O-"TRPET[2IY+=E
MN9G66Z>+_6;,#"C.0"<Y([5?T/Q@FO:];VMM"!9W&CPZG'(Q^?\ >.R[2.G
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 5B6OBG3[OQ7?>'HY$^UVD,<K9D7YRV[*@9SE0N3Z9%;=>2^)$
M6+Q;XXM[ 0QZS=:%"UBJ@":5@)MYC[EL>G/2@#TVUU?3+VZEM;34;2XN(O\
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MAJQWR7<@3S)$,GF#)ZL">1UYH [2]\2PV^N:'I]ND=S'JDL\?GI*,1F)"QZ
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M")(HU4;410H'T J>@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M,V05#8;CE>E9VN:GXGUG0?#6K7UMIL>F7VKZ?/'!#O\ .MT:960LQ.U\@@'
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MCUJ6O.-6\>:I;^)]1TNWGT2RDM'5;>SU-GBDOE*J=R2Y"*"25'#<CG%2:_\
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MHH ZZBJ.C37UQHME/J<4<5])"CSQQ A4<C)49)/'2KU !1110 4444 %%%%
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M4U*S6QCDM[8I#;1!MV%4L2Q+<DD^GI73Z?XFT+5KR6ST[6+"[N8LEXH+A78
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M>5=R2Q.&5A[$<&K% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MP@T.WO! 8"&:/;,Z+NW\$$$DXYST&,F1M4U'PK\._#]Q P1[]EGU/4GM7N1
MTJF1Y#&A!.7(7/09'M70W7@U9M?N[Z*^,5C?:>+"[LO)!#HH<*5?.5QO/&#G
M%4-'TK5K_P )Z59KJ=SI6KZ&_P!E=Q&7BFV+L!="0'1D*L.>"1@@B@!^E3R>
M-/!NJVMUJFF:E')OB@O=.)7/R@JS(23'(K<XSV!XK5\):M<^(? FEZF76.\N
MK-2SLFY1+C!.,C(W G&165_8]SX3T;7]429M2US5"O\ J;<1(TNWRXE5 3M
M)!))/<D\5T/AO1D\/>&=-TA&WBSMTB+_ -Y@.3^)R: /-_"&LZ[8>#M TRUN
M;2;4-8O[J.WEF@;;;HCRO*[#?ESP<#*]0#TR>RT/6-6B\4WGAK6Y;:ZGCM$O
M;>[MXC$)(RQ0AD+-A@P['!![50M_AY-:Z;;VL.NR)-I]Z]WI=P+9=UMO+%T<
M9Q(IWL#TK8T/PW-I^KW>LZGJ1U'5+F)(/-$(ACBB4DA$0$X&2222<F@#-UO5
MO$DWCF'P]HDUA;1G3OMLEQ=0-*1B39M ##.>/IS7+W7Q.O95U/4;/4M-ACLI
MY8[?2Y;25Y+I8R0290<(S$': "!QFO1/["7_ (2__A(//._[!]B\G;QCS-^[
M.?PQ6$_@C4;<7UGI/B:?3M)O9GFDMTMU:6(N<N(I<C8"23T.,\4 1IX@USQ-
MK5S9>'[BTTZWL[2WGEEN[9IGDDF0NJ!0R[0%QD\G)XI%UOQ5JNLP:#!_9^E7
M\%@EWJ,[1FY579F54C7<O!V%B2> 0.M:%YX3O8]8EU30=;;3;BY@C@NA-;BY
M641Y"/\ ,P(< D9R0>XJLG@6?3I;*[T/7)[6_@M?LD\]U$+D72;B^74E?F#,
MQ!!&,XQB@"A8^-M5EO-,TZZAM5O!K<NE7S1JVQPD+2!X\G*Y&S@YQR*?XC\9
MZKI4GB];6*W<Z1:6DUL'4_,TI8,&YY'RC'2K+_#X)I5NEMK$\>KPZBVJ'49(
M5?S)V4JVZ/@;2IV[01@ <UB^*_!VH6GA+Q??/J%QJVIZM;6Z.L=N$P8V.-BK
MGC#=.3QG)S0!NQ:MXBT?Q)H]CKEQ875OJ_F1K]F@:(VTRH7VY+'>I 89X.0/
M6NRKE[#PI>C6[+4]:UQ]3;3T=;)/LRPA"XVL[X)WOMXSP.3QS6GX>358](5=
M9F,UYYTIWLB*?+\QO+R$^4'9MZ4 <5XJ\9ZGI5[JPBU[1+.2R4M;:<;=[J:X
M 0-F0HP,>3D 8X')JVOB3Q%KNO:;IVD2V-A%>:'%JDDT\#3-&S-C:JAE!ZCK
MTP>M6)? 5Y_Q/+6T\0-;:9K,TL]S$MHK3!I!APLI/"GW4D#H16GHOA)=(U2Q
MOOMK3-:Z/%I6WR]H8(V=_4X)]* .<M/&>O:C:Z7I,(L8=<N]0N[*:Z,;-"BV
MQ.^14W DGY< GJ:M>#(]3B^('C!-6EMYKE8K$":",QK(NV7#;23M/8C)Y%6F
M\ B*%9+/59+?4H-3N=1MKOR0PC,Q)>-D)^92&QU!X!XK0\.>&+G1M7U;5;[5
MGU"\U,0B4F$1*GEA@ H!.!ANG/3J<T 4M4U/Q%=>.V\/Z1<6-I:KIJ7DES/;
MF9U8R.FT+N4'.T=>F#Z\8C^-?$=U!I>GVB:?%J\NKW&DW<CHS1!HT9O,09SC
M #8)]L]ZNZII.M7?Q6>[TN_DT\+HD<?GO:^=#(?/D)0@D?,.",$$?0UHV7@2
M"R;1Y!?S2SV-]-?SS2(-UU-*C*Y.,!?O\8[ "@"E;ZEXLU?5]0TFQU#3+9]'
M2*.YN9+-I!<W#H'(5=XV( 1W)R:;H7CB^U"^T%KVW@@M=16YM)0N3Y5[ QR
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M3Z$C(/ID5G7GA/48]9U#4=!UXZ8=1VF[B>T6=2ZKM$B9(VMM !Z@X'%;^E6
MTO2[:Q%S<7/D1A#/<R&220]V9CU)H \:A76E\(:8_P!KM;FY;QABWWPLBK()
MY0Q<[B2I/.!@@<9/6NZM]>\0Z;K.LZ-J4VG7]Q;:8NHVMPJ&U0Y9U*299@ "
MN=V>E.M_ ,D(6!M89[.'65U:WA-N T;;W=D+9^8$OUQQCO5OQ!X'MO$5[J<]
MQ>2QI?Z6NG,D:C* 2,X<'ORW3':@#F])\<ZA-XHT?31K^D:O'J?FQR?8K-T6
MUD6-G!5]Y5URI&.#WK4^%B:@/#]^U]>17 .IW879"4(83N&))8Y!/('8<<]:
MLQ^#=3FU?1=2U/Q"+A])D9H88+)88F5HRAR-Q.[!'.<#'3FM/PSX=F\.?VA#
M_:)N;.XNI+F"%H0K0%W9W&X'YAEN.!C% '/7^J^)-?/B7^QIK"WL-+>2S$,\
M#.]U(L89\L&&P?, .#SR?2L_POJ^L7>C^%O#>B36MFZ>'[:]N;NXA,VU2 B(
MB!EY)5B23P!707W@R]:^U232=>DTZTU8[[VW%LLAWE0C/&Q(V,5 SD-TSQ4<
M7@6?3HM'ET?639ZCIVGIIS3R6PECN(5Q@-'N&"",@AN,GK0!FCQOK;1C1/)L
MAXB_M8Z69MK>1M$?F^=LSG[G\.[KWQ5S4]8\5^'+%CJ#Z?=JU_9P6]W'$8_,
M264)(&CW':RYX(.#GIQ4W_"OHQI@"ZK<?VR-0_M/^TS&I8W&-OW.FS;\NST[
MYYI+KP)<ZI8:@-5U^>?4;IH'BN8H1'';&%MZ;(B2/O<G))/M0!/KOB6^TWQ)
M<Z? L)ABT*XU%2RDGS4=0HZ_=P3Q^M<_#XD\:F/PQ<//HY'B) J0_9G M"8O
M,#[M_P"\^4'*_+S@9[UM1^"+V?5+O4]5U]KR[N=+ETT[+58HT1R#N50QY!!S
MDG.>V,5H+X2C6+PM']L;_B08VGR_]=B$Q<\_+USWH Y6]\?:MH&GZO9ZD]C/
MJ5IJ<&GP78A:.$B:,2!W0$GY5W9 /.!19^/[V.75;/\ M"SU<PZ5/?6]Y!9R
M0!)(QS'(I)R#D$$$="*W]0\!P:A/J]P;^:&XOKRWOK>6-!NM9H45589R&^[R
M".A(]Z>OA35+N/4?[9\1S7CW=C)9(D,'D01*X(+^7N.Y_<GIP,9H R+/Q%XI
MMF\+ZAJDVFRV6NRI UK!;LKVS/$TB$.7.[[O/ ]JS?#E_K>C^'/%%[)J>E%U
MUV>/S[Q##%"?-VO(Q+G(QC:@(/&,G-=E/X52>P\-VINV T2>&96V?Z[RXFCP
M>>,[L]^E8UU\.IIUODCUQDCDU4:O:(UJKB"?<6;=S^\4YZ'&/6@#'M?%^I:I
M/KFB0:W8:BHT>2\@U""Q>((0VUD*E\-P000>*CT/6)M$T?P-)J"6=TG]AW%U
MYPM]LL4<<$3!%)8\D<,?XL#@5U-MX,NFU^?6=5UM[VXN-.DT^2-+<11JC,&!
M09)!&#U+9S[8J'3? )MHM$AU'5/M\6E6L]DBFW$?F0R(B!6PQY 3KWSVH S_
M /A)?%6G:#IOBK4I--DTR\> SV$,#*]O%,RJI64L=[#>N05 /.,5%<^)/%UQ
M9^*M3L;C2X+70;JXC2&6V=VN5B0.06#C;P<9 .3Z5I0> ;S[+8:5?>(9;O0K
M"6.2&S-LJR.(R#&DDH/S*I Z*"<#)K3C\(QQZ-XDT[[8Q&N37$K/Y?\ J?-C
M"8 SSC&>U &K!<S:GH$5W:LEO/=6RRQ-(GF+&S+D9&1N STR,UYEX+UC7;;P
M5X.T6RN;1K[5XY98[F:!BMM!& 6RN_\ >/EA@Y4<]..?4M.LQI^EVEB'+BWA
M2$.1C=M4#./PKCK'X=W&G:3I=M;Z^ZWFCRN=-NC:K^[B<8:*1<XD!]?E/ Z8
MH T_#NLZHVOZIX>UIK>:[LHXKB*ZMXS&LT4FX#*$G:P*D'G!XK$U&/4C\7;G
M;>PBU'A]G\DP$G9YA!7=NQG<,[L=.,=ZZ30/#DFE7U_J=_J#:AJE_L6:?RA$
MBH@.U$0$[0,D]223UIFH^&)KOQ5#KEMJ1MR+-K*X@,(<2QEMPP<@J03UYH X
M7PGJOB70O!'@V]FN-/DTNZ>UL39K;L)$20[%D\S=RV<$C:!@X]ZEU#XDWLEY
MK,MEJFFVB:;<2V\%A<6<LKW9CX8F12 FX@A< XZFNM7P5&OA30M"^W-MTF:V
MF6;R^9/)8, 1GC./PJO-X+U*"?4H]%\22Z;8:E,\\\ MED>.1_OM%)D;-W7D
M-@G(Q0!TFEZ@NK:%9ZDBO MW;).%?AH]R@X/N,UY*-%30/"TVD^)?!7V^SVN
M9-?TORYI7R2?/(/[Q6&<Y^;&/3BO8$LHETY;%]\T(B\EO.<NSKC'S$\DD=2>
MM<9%X$UNSTTZ+8^,KF'1-AB2![*-YXXCQL68GL. 2I(H S?M4Z_$;2+^TU=)
M]*3PX]PKR0EWEA#Q%CNW ;FX.[''3'I+_P )5XIM?"MIXTNWTXZ5/Y4TFFI
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M+MMY LJHXR PP<'OD5HV?C#5KS1]'T[=$OB*;5&TZ\P@P@A)::0+TP8P"/\
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M "$$EEZCYN>] ';T45P;>*M4'@;QAJOF1_:M+NK^*V;8,!8B=F1WZ4 =Y17
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M5*=,NK+P5<:9)=RZC<)9RQ+,\:J\GRG:,* ,XP/?%0)XYT*XT[4+NTNS*]C
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M6^TV:>6VO5568><[,Z,I&UE.[&/]D'-:\WBO0H=#AUE]2A.GSL$AE3+^8Q.
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M!@J@DCY3TZ8YK*UCXAZ58#P]-:3)=6FKW!03QH[!8PK$L H.3N 7'49/'!H
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MX69&A:%<9RRN 0, G)&.#0!#H/AK^R-0O]3NM0FU#4KX1I-<2(D8"(#M554
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M: -VSM8K&R@M(=WE01K&F]BS8 P,D\D^YJ>FQR)+&LD;JZ. RLIR"#T(-.H
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MV*,8V1CM91C(7C([&I;W0;W4M$U?5=/?Q!=JVJV5S)-<P1I-=1P_>>*'RUY
M(QN4[M@XKVFB@#RS3;0ZSXAFO;6_\0ZJT&ESPBZOK5+:(&3'[H#RD9VR ?08
M]ZZOX=7 F\ Z+"8;B&:TM(K6:.X@:)ED1%### 9&>XXKJ** .-^(3/;Q^';_
M .SW$UO9:S%/<?9X6E9(_+D4MM4$D98=!WK.T_3YCHWQ%+6<H>\O+DQ!HB#,
MAMD"X&/F&<CZYKT.B@#QJ.QO](U71]3OK_6M+M)O#UI:BYL;-9S'(@RT4BF-
MV7.01P,D$'I7<?#RP-EX?N)"FI(+R^FNA_:*HLK;B/F**JA V-VW&1FNMHH
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M1)%*L9,>\$#)SC.1@],X-=1X'U/4;ZSU:UU2Z%W<:;J4MD+GRPAE50K*S*O
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M=LK!V(W[B2V"",<<=ZV=5\6:K>^*M:L;6_U>PMM,=((?[.T<W@ED*!F:1MC
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M+->0>(+*=I4:!%6WD6(L#& . #CKZ'.: /5+:]M;PS?9;B*;R9#%+Y;AMC@
ME3CH<$<>]3UY'\";"[ATO7;B74Y9H?[4GA^SLBA?,&TF3(YR<@8Z<5ZY0 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M$;GS-!@>"SS("-K+M.[CDX^E8;?!CPPT4D(GU9+::8S7-NEZRQW)SD"10,$
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M<4=PEOIMZM_$1+EWF'\3DCG.?:NOHH PD\)::GB/4]=!G^V:E;+;3_/\NP
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M:B_VC[/*D@7>.AQALE1P<<5T,/@C18K1X&CN)WDNHKR6>>X>2666,@H6<G)
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MNA:R3_:)+ 7<@M7DSNW&+.WKSCIGM6Y::19V6I:AJ$$96XU!D:X8L2&*($7
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MQB6!+?>(' _"N>DTCQ.O@(^#8_#L[S07@<WIGB$,D0N?-#)\VXL1V(&.>>U
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M** "JUCIUIIL4D5G L*22O,X7N[G<S?4DDU9HH **** "BBB@ HHHH ****
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MSL[YV@ D=QC\:I6OC.+SM0MM4TR]TV]LK7[8UO(%E,L/(W(8RP;D8(ZY(]:
M.GHKE+3QI-)JMA8ZAX>U'3O[2#_8I)WB82,J%]K!7)1MH)P:DC\;V$WABQUN
M.WN2+VY2TBM< 2^<TGEE",X!4AB>>BF@#IZ*X6/QK9Z3:2N8M6U![C7;C3HX
MR$9Q*-QVIR (_EP,],\]S5V'Q]9Q6NLOJ^GWFEW&D)')<V\NR1F63/EE"A(;
M<1C&>O% '6T5REEXU>37].T;4?#^I:;=:@LCVYG,;(51=QR48X/JO49%=70
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ME18Y)@HW,JY(!/<#)_.IZ .'CM?$7AC6M=?3-%35;35+G[9"XNDB,,I1499
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M6S;PQ0B",!N.A5U_2LT^!M9UCX>ZK#JWD)XBU2Z6]F!?,8:-E\N,LO\ #MC
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M1+7+R\36+JVBBO+OQ#;:A-:I,&%O;Q1^6 6Z,V "<>O%>E44 %%%% !1110
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M7J.F1S7&SRVD#,A=/[K;2-P]CD5>CT?3H;NVNHK.*.:V@-M R#:(XB02@ X
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%>8?'HD?#I &(S?P@X../FH ]/H
MKQ/QGX8L_A;)HGB/PO<7ML3J,=M<VKW+21SQL&)!#$_W?USU%>V4 %%%>/\
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M&\8[@$@CTY'-3:U\5=2MO%NJ:-IUIHR'3G6/RM3OC;RW9(S^[)&P>V3SP>]
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M R)$Q8$;<DDJ ._.2:KZ;\,+VQL/!%NVHV['P[<332D(?WP=]P"^F/>O3:*
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M2$2OU;:,9]OI6E110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M$ZY9LR*^\MGK\IXQWJL_@5G\%WGA_P#M  W%^UYY_D_=S<B?;MSSTVYS[^U
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MWE64^9G)Q]WI[]: ':WK>K-XGM?#NA+9)=-:->W%Q>*SI'&&"* JD%F+9[C
M'>N)TB]N;6WNCJ>GV<MW-XW2)URS)&Y2/]Y&>#GN,^O-=WK?AZ^N==M==T6_
MAL]2A@:U<7$!EBFA8AMK ,I!##((/KZUDVG@"ZBM%2[UD7-P=?36I)OL^T,0
M%!C"[N!\O![#'6@#/B\>ZK<^)+FP2?1+>6"_-L-)O"\-U+$'V^8DC,%)(^8
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MT,$>IZ7XETV.9K8GRI4>171U!Y&0>02<$=:NP^*9[$:I;:7IMDNHWGB233X
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M2$:5=F*:R1T5LO%N4JQ)!''.><]!BM34_ B:G=:_</?M%)J4EK/;O''\UK+
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MZ\43VT,=]96IL9KL K- (L.B$]3OR2HY.X<&@#O-1U_1M'MXI]2U6RLX9O\
M5//.J!_]TD\_A1>:_H^G:?'J%[JEE;V<N/+GEG54?/(VL3@_A7G&CWVAZ+XI
M@U#5K7^QM*GT2&+2AJ/ A4.YDBW,2 Q!0X)SC [8INGWN@Z=XIT75[BR.E>&
MVTZXBTU[U=L44QGW,WS$B/S$Y7...!Z4 >EG7=(73HM0.J60LICB.X,Z^6YP
M3PV<'@'\C5:7Q9X=@LK6]FUW38[6Z)%O,]T@67!P=ISS@\'TKRN6UM=2E$UO
M;!O#U]XQM7M$,>(Y0(L2.H/5&<'V/-=/<7&C>'/B1J4^O_9;.SN=-ACTZ6=
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M\_X]O]*3]]SCY>>>>/KQ7G7A[2H%U7X=03":ZBBM=1E@-W;>4R@E"G[O<VT
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M MXO[)FU47K:GH?_  DEO=7\D5AY-LT:IM>1$#-OCW^66/0E2>:M:Q<6>O\
MBGQ/)X1>.XN9O"[Q^?:?=FE\SHK#AFVD#(]AVH ]0L/$>AZI>RV6GZQ875U%
MGS(8+A'=<=<@'-$7B/1)KMK2+6+![A4:1HEN$+!5)#$C/0$$'TP:\JT9[34;
M_P (6UIXEM+J:SG1XK+3]($<ULBH0ZS'S<QKC*MD<DC@U:LHK'3/A-XBU-M&
M@O9I+^\$RNI&]3=%"7*_-L4 $@=E- 'I.F^)M"UF:6#2]8L+V:(;GCM[A)&
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M_/Y9_P#I3%0!MZEXGT'1[I+;4]:T^SG<96*XN41B/7!/2KB:A922S1)=P-)
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M+^^EL;+5["YO(@2\$-PCNN.N0#GBN)\4:?,/&]Y!H\*Q7D_A*\CB\E0I+B1
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MD#)Q],T 0#7M$'35M/'TN$_QK01E=%=&#*PR&4Y!'K7B_@FWLV\$Z.7^%O\
M:3&U3-YY-F?._P!K+L&Y]^:[+Q5XLO?!-S:.VG1S:1=0_9K2*!=LD=WCY(VY
MQL8# ('RX]* .WP"<X&>F::TT22QQO(BR29V*6 +8ZX'>N,EU?Q/+JNF>&XI
M]-@U9[!KZ_NS;M)%$N\*$C3>"3N)&2W1<XYQ6-K;^*9?$_@V.=-.@U@7%_$L
MX5F@:,1#$NP-D$K_  %NO?% 'IVQ=^_:-V,9QS2UP4/BC7K6P\2V=Y)I+ZEH
MT\48O)2;>V:.158.X+'&T,<@-S@ 51TCQY>RZW>Z<-6TS6HETN:^BNK2U>$(
M\9 V'+L&!W Y!SQ0!Z4RAE(8 @]0:      !V%><V'BGQ4ECX6UK4GTM['6Y
MH('LX('5X?-0E7$A<YY R-O&<>]-O/%7BNY\-ZUXJTEM+33K%KE;>SG@=GF2
M$LK2-('&#E6(7;T&,\YH [,:# /%2:\LC+*EBUD(@!MVF0/N^N16J%5<X4#)
MR<#J:\SU/XAW#:V^EQ:MIFD?9;2":::[M9)S-+(F\(JJPVJ!C)))Y&*Z_P &
M^(6\4>&;;4Y85AF9GCE5,[=R,5)7/.TXR,]C0!O8'I2,BOC<H.#D9%+10 48
M%%% ",BOC<H.#D9%+110 F 01CKUI"B$J2JG;TR.E.HH *0*H8L% 8]3CDTM
M% !2$ D$@9%+10 8I"BE@Q4%AT..12T4 %(55E*L 0>Q%+10 @  P  /2A55
M0 J@ = !2T4 ($56+!0">I ZTN*** $5%0 *H '0 4M%% ";%#E]HW'@G'-!
M12P8J"PZ''(I:* $95< ,H.#GD4,JL,,H(SGD4M% !@4444 (% &  /I0$4,
M6"@,>I ZTM% ";%W[]HW8QG'-+110 FQ2P;:-P&,XYI<#THHH *0(H8L% 8]
M2!R:6B@"M9V-O8B80*09YFFD+,26=NIR?P ]  *LX'I110 4@50Q8* 3U('6
MEHH 1E5EVLH(]"*7%%% "!55=JJ !V I:** ,?7-%N=4>TN+'5[K3;JU+%'A
M ='##!5XVX8<#'<'I2>'_#R:&+R:2\FOKZ^F\ZZNI@H,C!0H 50 J@   5LT
M4 (55L94'!R,CI2X%%% "!%#%@H#'J0.31M7=NVC=C&<<TM% !@8QBD5510J
M@ #H *6B@!%14!"J%!.3@8H"JI)"@9.3@=32T4 %(J*I)50,G)P.M+10 @10
MQ8* QZG')I:** $9%<890P]",T$ @@@$'J#2T4 95AH4.GZ]JVK1RNTFHB$/
M&0-J>6I48^N:U%55&%4 >@%+10 8%(44L&*@D="1TI:* $95;&Y0<'(R*6BB
M@!"JE@Q49'0XZ5B77AUK[Q-::M=ZC-+;667M;#8HCCE*E3(3C<QP3@$\9-;E
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !6!XC\.SZU<Z3>6>H_8;S3;@S12& 2JP9"C*5)
M'4,><\5OT4 <M_PAJ?\ ",^(M&^W-C69KJ8R^5_JO/SQC/.,^HS[5'-X0O[7
M4SJ6@ZVNGW,UK%;78FM!/'-Y8PC[=RE6 )'4C':NMHH S]$TV32-)ALYK^YO
MY4R9+FY?<\C$DD^PYX X P*YS_A#=8TV]O7\.>)O[.L[R=KB2TGL5N%CD<Y9
MHR64J"><'(S79T4 </<_#QET?2K73M:EMKRPOWU!KV:!9FFF</O9ER!R7/TP
M*U=+TCQ/:ZC%-J'BJ.^M5SOMQIJ1%^"!\P8D8.#T[5T=% '%IX,UC2GN8?#?
MB?\ LW3IY6E%I-8K<>0S'+>4Q8;022<$$ FM_P .Z!:^&M&CTZT>60!FDEFF
M;=)-(QRSL>Y)-:M% '!S?#V^-IK>F6WB'[/I6KS33S1K9*9P9?O+YI;!7GNN
M<<9[UMZ1X7&EZTFI&\,SKI<&G%/+V@^46._J>N[IV]:Z&B@#BT\ -:V5D;#5
MFM]3L+RYNK:[, =0)W9GC9,_,I# =0?E!XK1\-^&;K1=3U;4K[5FU"[U-HFE
M;R!$J%%*@* 3@8(X]NIKHZ* .:U/PK/>^*/[9M]3^SK+8-87-NT <2)EF4AL
M@J06]\XIA\&H?#?AS1_MS8T6:UE$OE?Z[R,<8SQG'OCWKJ** .,D\%:I;MJ-
MMHWB633M,U"=YY8!:AY8F<YD\F3<-F3D\@X)XKJFL89---A,&F@:'R7$K%BZ
MXP=Q/))'4U9HH X-/ NO0:4=#M_&4R:)Y9@6)K%&N$AQC8)LXZ< E<BM&7P3
M$FL:;=V-V+>TM=..ES6;P^8LUMD$+NR"IXZ\UU=% '#1> +TV-EHMYXA>Y\/
M6<D;1V9M0LKK&0T<<DN[YE!"]%!..M3W7@K4%GU2+2?$+Z?IVJRM-=0"V#R(
M[@"0Q2;ALW8SR&P<D8KLJ* ./N?A]97<>NQRW4NW4Q;F)@/WEJ\,81'5\Y+
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M^EIJFF_&'Q1(VBZA-9ZS8QI;WD,.Z%"D."';MDC '7.* #P1\8-+O/#>D?\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M2,GKAE(/85OT4 8OAOPIH_A2UFM](MC$)W\R:1Y&D>5O5F8DFMJBB@ HHHH
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M%]ID]M:M>.E_;F(F!?O.#R"!W[^U+I7C73M5O[>S%KJ-I)=1-+:M>6K1+<(
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M=M8FY'W6E21BRCOW!^F*U/#&O>'+K4[ZSTV*YL]0NG-[/;WEO+!)*2%4R 2
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M][=R3ND><[%+DX&0#QUQS0!G>.KX01Z79+?:E%)=W! M=+CS<W2JA)57R/+
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M7,9CE3)&5/N.16+/X&TBX2T/F:A'<VL1@CO(KZ5)VC)R4:0-EAGL<X[4 1>
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M)6W_  D^LD:Y;RG4";C[Q6)9!Y8QB+G(RN#@^O-4+O7=;TO2KS1;6]U*[/\
MPDXTN.<2JUT(#"LI19)"!OSE0S'OZ@5ZBVA:>]WIET83YNF*R6IWGY R[#GU
MX'>JESX0T2[M-0MI[,O'J%R+N?\ >,&\X!0'4@Y4C8N,8Z4 >?7.H>(M(T_Q
M-&D>M6=BNAS74!U.^BFN(;A> 499&?:0>_ *\=:U4MM0T?7O",AU[5+HZQYD
M-]'<3[HV/D-(&1>D9#+QMQQ720>!M$BMM1AE2ZNWU& VUS/=W4DLKQ8(V!V.
M5')X&*TYM$L+B?3)I(B7TQBUJ=Y&PE"G/K\I(YH Y7X56"V?AV^87%S+OU.[
M7$TQ<#;.XR,]">I/<UI07UTWQ3OK!KB0VB:-!,L);Y0YFE!8#UP ,^U:FD>'
MM/T*>^EL%FC%[,9Y8VF9T#DDL54G"Y+$G&,U7UGPEI>MZA%?W/VN&[CC,/G6
MEU) SQ$Y*,4(RN><4 <!::EJ^KVWABU&MWT(OM;U&"::&7YVB0S$*"<]E ![
M<$=*??ZKJWAU?%6C6FKWDD<-UIT-M=7<GG26JW)"N=S<D#J,]":[NQ\':'IJ
M:='9V9B33IY;BU42-B-Y P?OR,.W!X%3W'AC1[R357N;-9O[5CCCO%=B1(J
MA>,\8SU&#WH X35K&3PGXYTV\AU&_P!1$6C:C,D-].9F#H(R2&/.&XXZ#'&,
MUFZ3?^*/[/T/6XH?$$EW<RP274UY?6WV*>.0C<JQ^9\@PWRX4-P,]Z]!TWP1
MHVF:I%J:"\N+V*)H4GN[N2=A&V,I\Y/''3W/K45I\/\ P_9W=O-%#<F&UE\^
MVLY+N1K>"3KN2(MM!!)QQQVQ0!E^#[6]U3Q%KNJ7FM:E(ECJ]S:V]F)\0",
M?>7^+EN/3 QWK2\;65IJ8T>S;5CIFJ?;1-IDWE>8#.B-P5/!!4MP2/:MW3M)
ML]*-X;.,I]KN7NILL3ND;&3STZ#BHM;T'3?$6G_8=4MA/!O$B_,59''1E8$%
M2/4&@#D%U'6],\6:-;^*].TJ^FF$\>G:C8;E>-Q&696C;.-RKU4D<"N1L-9\
M5W_AFW\3V]OK[ZE,XN!*]];IIY0OCRO*:487;\N2-V><UZ;I'@K2-&U$:C']
MLN[U$,<=Q?7<EP\2GJ$WD[<^U0?\*]\/?:O,\BY^S^?]I^P_:I/LOFYW;O)W
M;>O.,8SVH Q(+>]\5W_B>ZN/$&HZ7_9MZ]G:);3^7' $C5O,=>CY+$G=Q@8X
MK),+Q>)_%FJP:Q<7$\?AR&X2X@F(BE8I-AU4$C;D;E&2!GBNWU3P/HFKWUQ=
MSI=1O=*$NTMKN2%+I0, 2*K -QQSVXZ5)=>#=%N]0-ZT$L4C69L72&9XXWAV
MLH5D4X. S8XX_ 4 <EHTE_XMU:VTV]U?4+6UL]$LKDK:7!ADN99E;=(SCYB!
MMQC.,GFLZ/5-;U"32-%;7+Q/*\17>ER7L3!9;B".)F&XXQN[9QU&>M=Y>>"M
M&O%LBJW5K-96XM8;BTNI(91"/X"RD%EXZ'//-36WA+1;.+2XK:S$2:9*TUJ%
M=OE=E969CG+$AFR3GDYH Q_")NK'Q9XFT)]0O+RSLUM9K<WDIED3S5?<N\\D
M90$9Z9K>U(6LE_$D$E@FO""0V37*;V5<J'(4$,5SMS@CM5BWTFSM=6OM3AC*
MW=ZL:3ON)#",$+QT&-QZ56UOPYIVOFV>[6:.XM6+6]S;3-#+$2,-M=2#@CJ.
MAH \K3SK:9=*U';)?0^,K6;4;B,_NIS*FZ,JN/E'$8VG.".IS72>*=7DT'XB
M2:G:V<UY-#X=D+6\"%FD)N$$8(&3C);Z#=741>#-"CT&YT8V9DM+IS+.9)6:
M263(/F-(3N+Y .<Y&!CI4VB^&=.T*6XGMOM,UU<A1-<W=P\\KJOW5W,2<#)X
M'K0!YEX2U+3K;XH6;%M0GO[[2I1>7,NGSQ&6X>:,YPR@K& NT$\  #.:[_Q]
MJMYH_A&XN+"807,DT-NMP5!$/F2JA?!XX#$\]\5LG2;-M<363&?MR6S6HDW'
M'EE@Q&.G51S4FH:?::KI\]A?P)<6LZ%)8G'# T </=6%SX>\5:'I<&MZM<VF
MM+<6US'=7;2.I6(N)8V/*,",'''(X&*G^$=DMK\/[*03W$AF>4E992X3$KCY
M0>GJ?>MO2?!^DZ/?K?Q?:[B[2,PQ2WEW)<-#&>JIO)VC@=.36EI&DV>AZ9#I
MUA&8[6'=L4L6QN8L>3SU)H \VUG3E7QAX]N?M5V2OA]7\LS'8=R3C!7H0,9
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MF&W03%4!Y#$!=N2JG'>NHU/QA!8ZK+IEGI>I:K=6\:RW*6$:,(%;[NXLRC)
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MP692')W9V@';@?Q'H1S67>:=XDL+;QEHUIH$MZ-:FGGM;Q)XUB42PJA#AF#
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M3N-/LIS;W6HPPJ8(7!PP.6#,%)P2JD"I4\=V$NO7FEQ6&HN+&0I>7@B46]N
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M]QQ@=J /:Z*\IU&35?$/CGQ!:/I^I7MMIH@BMHK/5?L0AWQAS(0&!9B2<$Y
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M[=*V** "BBB@ HHHH *K'3[0ZF-2,"?;!"8!-_%Y98,5^F0#5FB@ HHHH "
M1@]#6?HVA:7X?LC::3916D#.9&6/^)CU))Y)X'7TK0HH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M+5F*I_P$"N@HH YB[^'GA6^N;J>YTE7:Z<R3)YT@C9SU?8&VAC_> S[U0D\
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M ,"S_A1_PC:_]!C6/_ L_P"% &W16)_PC:_]!C6/_ L_X4?\(VO_ $&-8_\
M L_X4 ;=%8G_  C:_P#08UC_ ,"S_A1_PC:_]!C6/_ L_P"% &W16)_PC:_]
M!C6/_ L_X4?\(VO_ $&-8_\  L_X4 ;=%8G_  C:_P#08UC_ ,"S_A1_PC:_
M]!C6/_ L_P"% &W16)_PC:_]!C6/_ L_X4?\(VO_ $&-8_\  L_X4 ;=%8G_
M  C:_P#08UC_ ,"S_A1_PC:_]!C6/_ L_P"% &W16)_PC:_]!C6/_ L_X4?\
M(VO_ $&-8_\  L_X4 ;=%8G_  C:_P#08UC_ ,"S_A1_PC:_]!C6/_ L_P"%
M &W16)_PC:_]!C6/_ L_X4?\(VO_ $&-8_\  L_X4 ;=%8G_  C:_P#08UC_
M ,"S_A1_PC:_]!C6/_ L_P"% &W16)_PC:_]!C6/_ L_X4?\(VO_ $&-8_\
M L_X4 ;=%8G_  C:_P#08UC_ ,"S_A1_PC:_]!C6/_ L_P"% &W16)_PC:_]
M!C6/_ L_X4?\(VO_ $&-8_\  L_X4 ;=%9MCHXL;CSAJ&H3_ "D;)[@NOUQZ
MUI4 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M_M-3LTN[*XCN+=RP62,Y!()4_D01^%6* "BBB@ HHHH **** "BBB@ HHHH
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M)H_L1?\ H(ZE_P"!)K4JE8ZK:ZA=7]M;LQDL)Q!."N,.45^/7AQ0!!_8B_\
M01U+_P "31_8B_\ 01U+_P "3575/%VGZ;J+:<D%]?WR())8+"V:9HE/0OCA
M<]@3D^E7]'UFQU[3EOM/F,D)9D8,I1D=3AE93RK ]0: (O[$7_H(ZE_X$FC^
MQ%_Z".I?^!)K4HH R_[$7_H(ZE_X$FC^Q%_Z".I?^!)K4HH R_[$7_H(ZE_X
M$FC^Q%_Z".I?^!)K4HH R_[$7_H(ZE_X$FC^Q%_Z".I?^!)K4JK=ZC:6,UI#
M<3!)+N7R8%()WOM+8_)6/X4 5?[$7_H(ZE_X$FC^Q%_Z".I?^!)JW97B7T4D
MB131A)7B(FC*$E6*D@'J#C(/<<U9H R_[$7_ *".I?\ @2:/[$7_ *".I?\
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M1'J"#WK&OO&UA9:Q=Z6MAJUW<6FSS_L=B\RIO7<N2H]#0!H_V(O_ $$=2_\
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M"/E.TG'<\XZ5T=KI.FV-Q+<6FGVEO/-_K)(851G^I R:DO+&SU&W-O?6L%U
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !4%S8V
MEXT+75K#.8)!+$98PWEN.C+GH>>HJ>B@ HHHH **** "BBB@"/R(?M!N/*3S
MRFPR;1NVYSC/7&>U2444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
G %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?_9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>21
<FILENAME>ex97-ibcrpolicy2023x11x1006.jpg
<TEXT>
begin 644 ex97-ibcrpolicy2023x11x1006.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB@D 9/2@ HH!R,
MCI10 444A=0<%@#[F@!:*:'4]&'YTZ@ HH!R,BB@ HIN]0<;AGTS3J "B@D
M9)Q1D9QGI0 4444 %%%!('4T %%%% !12;@<<CGI2T %%%% !112;@,\CCK0
M M%%% !10"",@YHH **,C.,\T4 %%%% !10"#T-!( R3@4 %%%% !1110 44
MUW6-2SL%4=2QP!3@01D'(- !11D9QGFB@ HHHR,XSS0 449&<9YHH **,@]#
M29 [CUH 6BBB@ HHH) &2< 4 %%-21)5W1NKKZJ<BG4 %%%% !1110 4444
M%%%% !1110 4449&<9ZT %%%% !1110 4444 %%%% !11D9QGFB@ HHHH **
M** "BB@$$9!S0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%&1G&>E
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M4KF]TG3KL6MI]KCFM'8(=K#S(BK'=NV;B&'!QR!6I%XE^W>)]-TW3ECFMI[
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MEGMTDM6*312,[-'.-W/+\%<8QT- &[X5U:^U?3YIKW^SI0DNV*ZTZX$L-PF
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MUI;2#.Z4H )&/;&_<HQ_=-<E-K^I:'XZ\8ZA?20R:5IVFV\QA5GW[<2E0@/
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MVJW4#S7P#0!L>)O$4?ARP@D%M)>7EW.MM9VD;!6FE;.!D\*, DD] *RX]?\
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M4MC*GH1@<=L#TJ?7;5(;_P 71K;_ /$I@UW3;C4((DRI@\N-I25'49P6]@:
M/5].UO2=7ADFTW4[*]BB.)'MIUD"?4@G%)IVO:/K#RIIFJV-Z\7^L6VN$D*?
M7:3BO-/&EWHFNZ/KP\)0"[OAIT0NK[3_ -Y%Y F4M$=K ,^S><#G:",C.*9I
MK6>I>+-&EM/$>GZFUO:3YAT/2_**P&/&R1Q*=G.W:I&=P' H ],M/$.BZA?R
M6-GJ]A<WD>=\$-RCR+CKE0<BM*O%?#-]:V6H^%;'3[[2M>MEG\JWMS;"'4M.
M4HP9I-A(PHR&W 9]Z]JH R[WQ)H6FWJV5]K6G6MT^-L$]TB.<]/E)S4FH:[I
M&D[O[1U6RL]JJQ^T7"1X!) /)Z$@X^AKQ[Q'JUO=:=XUMTGT33':>YB>PDMF
MN+^\<+@/RXVAL J0I"CGM72>&[2TU#Q]I]Q<PQ7#)X2LS&TBAL;I'R1GN?6@
M#T";6=+MM,&ISZE:16# ,+IYU$1!Z$-G'-9FA>*(=>US6+.U,$MK8B Q7,,H
M=9A(A;((XXQC@FO--)^R:</#5SJ:QQ^'[+6-5B9I!^YMY#*PA+=E ^< G@$C
MI75> KC2;OQKXTN-%\HV4DMJPDA&(Y&\MMS+C@@G/(X)R: .]GGAM;>2>XE2
M*&-2[R2,%55')))X IC7EJC6ZO<PJUP<0 R &4XS\O\ >X!/':L?QQ;RW7@+
MQ#!!&TDTFG3JB*,EB8S@ >M<6?$NCZWKGP\@TR^BNWBF9IA"=WE?Z+(-K_W6
MZ\'G@^E '?\ _"2Z#]LAM/[;T[[3.2(H?M2;Y""1A1G)Y!'U!I^H:]I.E31V
M][J=E;7,P_<PSSJCR?[H)R>?2O)6TVR3X%ZM>+:PBZ:_GF,VP;]ZWA ;/7(
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M".M 'JE(45B"R@D<C(Z5Y5J7Q/N/MVLO9ZIHEI'IEQ);QV-Y'(TUXT?#'>K
M1@D$+PW3)KTG2-2CUC1;'4XD9([NW2=4;JH90<'WYH LQO#*I\ID=58J=I!
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MG//!Z"N8TWQGXLD\-Z#XHOETD:?J%Q!!+9Q0R"15D<)Y@<N1G)!V[>G&<\T
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MYY4FE"0HTC%B-WF#.,^E3_\ "'ZO;Z]J&J:?KT$#ZG'$MXTE@)) R($W1-O
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M])N99=,N/L8_=QR9WQ2+N_> YZC:>!71R>,/#<6K#2I-<T];_?Y?D&==V_\
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MCH?<4 6XUV1JF<[0!FO/C\-]1.CIH(\2;=%M[I;BW@%D/,&)1($=]_S*#G&
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MI%$5:RMU1A(LG'R9!"[3U->H44 >,2:7!)\&KE7LU9YM=+R Q\M_I^W)_P"
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M"N!T/I6+:_:M+NO"&IW6K+H]D?#%O;P7D]F)HXYN"Z') 1BNWD]=I%>WT=:
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MJVG1AKR>WB>'<$/ELWR'=SO 7GU(X[4QOB-X06U6X;7+<1ERAX;<A&,[UQE
M,CE@!S7%Z5IMPU[X<$UG*4C\4:E,VZ,X4?OBK'C@9Q@_2M8Z>_VOXGN+1LW,
M2+&?+/[T?8P,#^]R3^.: -W7?%J:')J5P]S92VEII0O4@4OYSL695.X978V
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MZYK<KSB]U2T\5ZMX3M]"LKM)M/OENKEI+1X19PK&RM&Q8  DD+M&<X]!7H]
M&#%XT\.3:L-,CU:!KMI3"J\[6D'5 ^-I;CH#FEU#QGX<TO46T^]U:WAN4*B1
M3DB/=TWL!A,_[1%>:VTT^G7-I9:(^H2,NI@MX;U33O.6#,I+2)/M&Q0"75MQ
M%12PW.E+XITK4]5UJWEO;ZYE2QM=,CG%_'*?EV.8FR2"%.6^7':@#U76/$^B
MZ T*:G?QP23 M'& 7=@.I"J"<#UQBJ-WXH!UKPO#ILEM=6&L/.&G4[OE2)G!
M0@XZC!SFN$DL;WPUXHBN+W5]6TJTET:TMH+N.SCNCNB!#Q2'RWVMDAN,!N>N
M!5-O"EUJECX8L;>XUFPBO+_49FN985CFC22)SG:H C5SGC (#=J /8-.U6QU
M:*66PN4N(XI6A9X\E=Z\$ ]#CVINJZQIVAV@N]4O(K2W+A/,E.%W'H,_@:QO
M EU,WAY-+N[!;&]TIOL<\,<>R-BHXDC[%&&",>I':J_Q!M&O;/0(A TR#7;-
MI%";@%#\D^WK0!=?QUX9CTZTOVU:+[/>;OL^$<O)M.&(0#=@$<G'%7)O$^AV
M^B1:S)JEL-.EP([@/E9"> %QR3P>!SP:X?Q1%=Z7\26U>?5;_2["XTU+>&]M
M;)+A5=79FC;<C[,Y# X&<>U9FGV+Z4N@^()K?5I]*BU>\NK@W5J!*OFQ[4G\
MF-1M3<"<;<C?G% 'HT/B_P /SZ-/JR:K;BQMVV32N=OEM_=8'!#<C@C)R*+/
MQ?H%_87M[;:G$T%BADNBP96A4#.64@,!@$].<5Q&MWD.L7=MK]AH-PVEV&L6
M]Q=7*V["2]18G7S!'M#,L19>><X..E1ZZDGC#5-?O]!M;B6U_P"$:N+ SM T
M8N9W.Y$4, 6V@'GL6Q0!Z5)JMC%)8QR7**]\VVV!S^].TMQ_P$$UDQ^._"\M
MW':IK-N97D\D==H?)786QA6R. 2">W6N036X=>UOP'%86M\PLIF-V\EI)&L#
M?9G78Q8 9SGIGI[C.%8ZE:7WPKU/PQ::?=2ZQ>W5W%#$MJY65VN'Q+OQMVKQ
MEB>-GTH ].U/QOX:T:[FM-0U>""XA($L9#%DRH8%@ <## YZ<U+9^,/#VHZN
M-*L]6MYKPABL:$D/M^]M;[K$=P"<5RD&FS)J/Q':6W=Y)[:"-9#&?WV+, X]
M>2?QJ.WL)HM/^%RI:R(;<)YH$9'E9LW!W>G/KWH ZQO&GAQ=7_LLZO;B[$OD
M%<G:)/[F_&W=_LYS3=3\;^&]&NYK6_U:&&X@($L6&9DRH;) !P,,#GIS7DMI
MI]U%X,/A34M4U\ZAYK0R:1;Z;$?,8R[O,28Q?=/W]Y?CUKT/1+!D\8>.I9;=
MCY_V5%D=/]:HM@#@]QDF@"[?^.=.L_%>AZ,DD4J:I"\RSJ2PQ\HCVX&"&+'G
M/&/>NJKR3P_YNEK\,KB]M[F.)=.GM';R';RY7$016P#MS@\G XKTW3-6M=72
MY>U,F+:X>VD$B%2'0X/7J/0]Z (==U"73;6VDBN+. RW<,):Z#%6#N%*KM_C
M.<#/&>M4;[QYX7TVZDMKO6;>*:*0Q2J<GRV&/OX'RCGJ<"JGQ!@EGTG2EAB>
M0KK-BY"*3A1,I)X[ 5B6NGR?\(S\2@UH_FW-Y>[ 8SF5?LZ!<>HSG'XT >CJ
MRNH92&4C((.012UE>&5=/"FCI(K+(MC"&5A@@[!G-:M !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 445Q7C#7+BQUFTLD\0)I<,D#2>7:V;7=Y*^[ Q'L8!.OS8R3QQ
M0!VM%>56GB_Q+J7A_2([:\BBU"?7Y=*EN9[3:6B19#O,1^Z^%!V\<C'K5G7?
M$OB#PO!XDTV745OKJUTI=2L;QX$1E!<HR.JC:<$ @X'!H ],HKB?MOB'P_XA
MT*'5=5BU&WU>1[>6);98_L\HC9P8R.2GRD8;)Z'-<[IGB;Q:?!=AK]QJMM-<
MZQ/'86EJ;15C@D>;RQ*S Y;@$[>!R!]0#UBLO7="M]>M(H9I[FVD@F6>"XM9
M-DD3@$ @X(/!(P00<]*Y:YU37_#&MP:;?ZLNJPZA97,L$SVR12030H&Z+@%"
M#W&01U-4+37/%.G^&?#OB?4M7ANX=0>U2ZL5M4152<JH9&'S;P64G)P>< <4
M =;INAZ?X8&H:M=:C<7$\J W6H:A*N1&@.!P%55&2> .IS6ZCK(BNC!D895@
M<@BO+I]7\377A_QEK,VJV_V+2Y=0MH+ V2.)!'NVL['KC@8Q@@<YS5[6?$-X
ME_;6B^(QIP-C%*EMIVG&\N9'8')= C!$Z8 Z\\B@#T-Y$1D5W52YVJ"<;CC.
M!Z\ _E3J\?AU+5_%1^'.J3:A]EN9KN[C?9;KC?&DRE]K="RI@CMGVI\_CO6[
M\:MJ%A>WL+6MS-%9:=#H<MQ#.(V*_O)E0\N0?NL N1G/- 'KM%8]YKIL_!D_
MB"6UD0PZ>UZUL_#+B/?L/H>U8VAP^+W72M4NM:M+N"Z027EFUL(UA5DW#R64
M%B0<#YB<C/2@#JK2\MM0M([JSN(KBWE&4EB8,K#U!'6IZ\ET37?$NLVGA'3M
M.U*VTTZCIMQ<7$R62-L,<B@;$X4=<8Z<D]<5MVEUXL\1OK-SI>MP60TV\DL;
M:WDM59+AX@ S2L?F 9LC"8P/6@#OZ*Y?1-9U&[\2>)[&\:,)IXMO*1!D(7A#
MOS@%AN]:Y;2/$?B?Q#_PB=K#JL5H^IZ1+=W=P+9'8,K( 4!X!^;'.1@GCI0!
MZC17DK^(O&%OX4U37I=;MV.B:C)9M MDH6\6.8(S.>JD@]%P!CWXN>)_%&MZ
M7XAU*.ZU:70[2+9_9TLFF^=9W V@GS90"5.[(P-N  >: /3/,3S?*WKYFW=L
MSSCUQZ4ZO.8?MI^+=YJ":K"81X?AGV%5$+*7DP-^,A WS[NO/I67:>--5CU+
M0)%\0MJRW]]%:W<4>E-'9IYF>8IRH)P>F6.X<\4 >M45Y7<Z[XNDT#Q1X@AU
MN"&+1;Z[C@M/L:,LT<+GB1CSTX&W'3)SFMS^T]<\3>);_3M+U1=(MM.MK=W=
M;=)GEEF4N =_ 0 #H,DD\B@#N**\RU;Q7KUMK5EX?OKUM/N8M/6ZOKK2M-DO
M3)(SLJJB[&V+A2Q)'? ]:8WBSQ3/X6BG%M?QF'4GM;N_ATMO.:W"[EG2W<9&
M25!X(&&P* /4*@FO+:WG@@FG1)9RPB1CR^T9.!["N=\#:TVLZ==LVMV^K"&X
M*),L!@F5< [98R!M<'/0 $8JMITK:A\1O$L\O/\ 95K;V=N#T7S%,LA_']V/
M^ "@#K+2[MK^TBNK.>.>WE7='+$P97'J".M35Y5H6N^(=7M_!VGV.H6^GKJ.
MDS7-S)':(=I1D ,:_=!^;'3')XZ59C\6>((]-DTEKNWEU8^(?[%BOV@  38)
M/-,8."P7(P,#.* /1;N\MK"W-Q>7$5O"&53)*P506(4#)]20![FIZ\S\:V>O
MV/@_4H=4U.'4K(W-@UO.T0BF5OM4>Y650%*]"",'D@^M;MEK^H3)XT+RJ?[+
MN'CM?D'R 6Z.,^OS,>M &MH?ARVT*6]N%NKR\N[QU::YO) \A"C"J,  *N3@
M8[FK@UC3&*@:A;$M<&T7$HYF&<Q_[PP>.O!KA],UWQ!XGN-'TVUU1=.?^P[?
M4KRZ2V21Y9)> JJWRJORL3QW &*R- O-0TVULH;AK:6YN/&=S!<N(05.1(24
M!R5Y'&#D#C- 'KE%>47'B'Q</">N>*$UJ!(]*O;E([+[&A6>**8KAV^\#C@%
M<= 3G-= +[Q!XC\1ZU;Z5JT>F6NDM'"B&V64W$K1B0ERW(0;@,+@GDYH [>B
MN<\!ZM>Z[X)TS4]1='O)XV,I10!D.PX ^E86A7GB[Q+I,'B6QU:UBBN+@F+2
MY;<"+R!(5PT@!?>5!.1QGC% '<VUY;7GG?9KB*;R9&AE\M@VQQU4XZ$>E3UY
M9/XBUW:]MI=Q:VD]SXLFTSS?LRD+%Y;'<1QN88!R>3C!XK7@F\3:IX@OM @\
M1"V_L>VA-Q>BRC:2ZFE#,/E/RJH4#@#))ZB@#O**X_2=6UX>,K/1=7DM2_\
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M,O)"M@8;.1Z4 =]1TKR>3Q%XN7P;J/BS^V8!'I]Y,BV/V--LT23E,._W@V.
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MEM@\Q4P"%(SQC-3-8:S8_%#PN-4U@:G&;2]\N1K=875L1[AA>"OW<<9'.2:
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M:C-H-M*LL.EOLV#:VY49]N]D!QA2>PZXK6TCQEH>MWHL[.YE%R\?FQQW%M)
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MIES<0+;W/DI&XD122I&]3M8;CR/RJMIG@"PTI-,2*\NY%TZ_FOHO-8,S-(K
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M]><8.5.>,T <^? &GC2(;6*]O8[^&\:_74PRF<W#<,YXVD$':5QC&!CBFS^
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MK@_2NKO+&9OBGI-XMK(;:+2;F,S",[$8R187/0$@-Q]:ZRD9@JEF(  R2>U
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MQ*R(;:UBBVR2"1EVJ!@L  QXZ@#-:%%% !1110 4444 %%%% !1110 4444
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M]#,#.S2<R%RP(?<>3D=AC%:N@^'[70(+A()KBXGNIC/<W-RX:2:0@#)( '0
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MN1LV;]^<8SG/O0!SEY/JOB#QOJ.B6NL7&E66F6D,KM:I&99I92^,EU8!5"=
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MWM)N0?(64[>6]#Q^=5)]3O[RYT?3]2N/M=QI7B]+076P*9D\AW4L!QNP^#@
M<5J2> Y8_%FC16-UJ-GI^F:(UI#?02H) XD3"MD$-E<]5QQV.*Z"W\$:5;6E
MA KW3-9ZA_:7G/)NDGN,,"TA(YSN/3'08P!0!R?_  DM\^CNL^N263R:]>VH
M^R68FNI8HW<+'"BHPSP,L5.![UGOXNU^S\/>,HX+Z_:;2S9O93:G:I'.HE8
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M[J JF">"5S\P.TJ2.#VH N^%_%%]KWB>V$C>7:7/AVTU 6X48261WW$'&>@
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MF">*ZMXKB!Q)#*@='7HRD9!'X5)6=H6CP>']#M-)MIIY8+2/RXVG8,^T= 2
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MV4@%X(  NYP,@$[=Q],UVOCBQN=3\"Z[8V<1EN9[&5(HUZNQ4X ]S0!SS?$
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M%57/4]<GBI_$%MJ&B^-;3Q79Z=<:C:O8G3[V"U :9%W[TD521NP2P('.#WH
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M@BKE<9X1CE\/^'[97T;5$?4=1D=HY)1/+%YA)\V8\!0<9(&<%N]=G0 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%<#\7_ !#JOACP/_:&
MCWGV2Z^UQ1^;Y:OA3G/# CM0!WU%><^#Y-4N?$$>_P"*>G^(88T9Y;"VM+=6
M88P&W(Q( 8J?T[UZ-0 445A^,/$$?A;PCJ>LR8S;0DQ@_P 4AX0?BQ% &Y17
MF'PH\6Z_J5UJ>@^+9M^L6\<5Y$3&J%H)$4XPH ^4D9]VQVK5U+XL^&],U*ZM
M7349X;*40W=[;VC/;V[YQM=QWSQP#0!W5%>9W'C_ /LGXE:U%J6J(OAVTT:.
M\C4*I!=F0 J0-S$[L 9[UNW_ ,2-%TNQT>ZOX-1MUU??]EC:V)D.T C*@D@G
M<,#J<T =?17)Z+\1-!UFVU:8FZT]M)&Z]BOX3%)"N"02.?0^_MR*J:-\5?#N
MLZI:6"1ZC:->Y%E->6IBBNO^N;'K^./SH [>BN*N?BGX;L_#,FO3O=):QWK6
M#QF+]XLPR2I7/H,U#XS\=P6.FZ[I^D3RC5[/2CJ"S)&&CC4D!<D\9.0<8Z&@
M#NZ*X*#XBV>E>&?#1U,7NHZSJ>G17/V:PMO-FDR@+/M7  SG]<=*OS?$KPU#
MX1C\2F[D>REE\A(TB)F:7_GGLZ[N#Q^/2@#KJ*\OTGXA7&L_%@:?')=V6D1Z
M.T]Q9WUJ(9(I@_+-D9'RE3UQ@U=;XS^%DMC=M#JPLFE\J"[-DPBN&S@B-CP<
M=<'!X- 'H=%<=KWQ+T+0-6N--EBU"[FM(Q+>-96IE2U0\@R$?=XY[T_5?B1X
M?TJ?38BUU=MJ=O\ :+,6<!E,R]@H'.3Z8^N* .NHKSK_ (73X7^PM=BWU<QP
MR>7=@6+?Z&<[1YIZ+D],$FMG7?B'HNAW5K:>7?:C=W,'VE+?3K<S.(?^>A Z
M+0!UE%<?=_$WPS9Z)I6L-=326.IR&*"2*$L0PZAEZ@@C&,$YJDWQ4TN?2-?F
MM;'4H]0TB#S9+&[M&CE.>%;;G.W)!/<#F@#O:*Y'X;^+)_&'A"WU*[ADCN\E
M9B83&C-US'GJN"!GV-==0 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M=+X"URW\&:5J-CHKIJ=EK@U>33)KWSGF' .7/&\[0<<]^_%>WT4 >/-H^O\
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MVB@#B?A5%JEEX%L]+U;2+C3KBP!AQ,RGS1DG<,=N<?A7;444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M?&_AS2=0DL;W4ECGB*B;$3ND.[IYCJI5,_[1%8[?$/3]-\4^(--UBZ2*"Q:
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MZ,;5;=@I*NC!% 4D;=K$]1S5_P"&T^OZQH-KK^LZVUT+N)@MHMO&B1X<@-N
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M"Y^TP;6Q\^UEY]1AC6A7'^'KO5K+QGJGA[4=5DU.&*S@O()YHD21-[.K*=@
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MN+>.5E'0%E!Q^M7* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MZ!AAE(8%64X&00>@JA_P@6FOHNH:?<7=[<2ZC/'<7=[(ZF:5XV5EYV[0!L
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M0G'.#SB@#I&4,I5@"",$'O7%:)X4)T"W\/:B+B.+1-22>RF0@":.-_,AY(/
M!",.ORGU!KLK>XAN[:*XMY4EAE0/'(ARK*1D$'N,5FZUXCT_06MX[LSR7%R6
M$%M;0/-++M&6(503@ C)Z"@#'U?09M-\.:Y9Z()Y;S7+IV+/@B!Y@$=^ ,*J
M@MSDY&.XKI=.L8=,TRUT^W!$%K"D,8/]U0 /T%8L?CG0I-%DU07$XBCN/LCP
MM;2"<3\8B\K&[?R.,5=T3Q'I^O&YCM#/'<6K*MQ;W,#PRQ%AE<JP!P1T/0T
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M< GZ"@#S@^'M3?PKXAEBM)4U.U\0W&JZ<K*092D@9=OJ'7<OONJK?^%M7O/
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MX;/-;5^-2\0:CHE^OA^:TM8M?CE4R1;9GB6!U,LJ]5&X@#/.,=*]%HH \O\
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M_=R.<5ZM10!Y7IEE?7'Q!T#4(T\2W=G##=)-=ZO'Y85V08"Q[5VCY>NT D@
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M[U[-;JUD5/)DCG*KA5"@AUW YSR0<\'%=UK.@07\_P#:*J[7T%E/;0 -A2)
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M95C$!29"?E4*"&''.>3GUQ77V7@K3[:>XN;B[U#4+N:V:U^T7L_F/'$W54X
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MZF@#@YKWQ9IWP^C\6R>-(Y'&GI>FTN;"%8Y"4#>7N4!LG.!COBNKF\<65O\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH ***X_P")?BVY\'^%/M=A$DNH
MW4Z6EHK\J)'SR?H ?QQ0!V%%>2WNE^._#IM+T?$"RO=1+*]QI^H+'!"Z$_-M
M/4 =,@#\.E>L1N)(U<$$, ?E.1^![T .HHKSKXN>)-6\.Z5I9L+N33[.ZNQ%
M?:E'!YS6T?J%]^?RXZT >BT5YC\/M5U.YUNZ$'C&T\3:!]G\S>^$NH),]"F,
M[3[^WH<[1^)^A#P$/&/DWW]FF7RMGEKYN=^SINQC/O0!VE%<AXA^(NF:!J_]
MDI8:IJE^L/VB:#3;;S6AC_O/R,?_ *O45'=_$[P_;Z#I6J6XO+XZJ2ME:6D&
M^>5APP"Y'0\'G\Z .SHKBH?BCX>?PY?ZS<"\LQ83"WN+.Y@VW"2G[J;,G)/;
MGL<XP:ETOXD:-?C44N[;4=(N=.MC>3VVI6_ER>2!]\ $Y'ZT =A17&:%\2+#
M7=1LK5=&UNS2_0R6ES=6@6&90,Y#*QQQZXZCUJLOQ6TB6Z<0:5K<]@ET;1M2
MAL]]N) <'D'=CWVT =Y17(^(OB)IGA_6!HZ6&J:KJ0B\Z2VTRV\YHH_[S<C'
M_P"KU%5[OXJ^&;3POI_B'S+F:PO;D6JF*++Q28)(=201C!SC/;&<T =M17"/
M\4K!5L8ET#Q ^HWBR/'IPLP+@1H2"[*6 "Y!QSGCI73>'=?M?$ND)J-I#=0(
MS%&BNH3'(C#J"#_3(H U:*** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M+2/"\EOXCFG>5KEWMHKF<32PP8&U'<<$\$\>O;H.THH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MC=7TENGF##++(S)D]!D$4 ;>H>+6AU>72])T>[U>ZMXDFN?L[QHL*MDJ"SL
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ML2V,3:@D1A$Y'.PY^4]B.3U]:TJ* ,+3/!GAW1[\7NGZ3;P7"@B-P"?+!ZA
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MGL;V%9K:="DL;=&4]0:S=6\):#KDD4FHZ;%-+$GEI)ED8)_=W*02OL>*VJ*
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M0Z//I*:7!]AN'$D\9R?-8$$%F)RQRHY)[5MT44 %%%% !1110 4444 %%%%
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M,['JS,>230!J4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M JM<1Z?923^0&&1O*C )'..N.U/\":C=:OX#T._O9#+<SV<;2R'JS8Y)]S6
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M8I/<>0P@608S&'/!8;AQ4OAOGPKI _Z<H?\ T 5Y59PS:-8:M%I^HZA;M?\
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M8CDX[9Z_C7GEGHY;0?&^MQZWJ-I=V6JZA+;^1=-'% R$M\R [7R>NX'@@#%
M'K]%>0#5M<\5^(9XIM.UB>"UTZSE6VTS45L]DDT>]G8EU9CGY0.0-IXYKN_
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M7=A=[J7..<*#^=0S^/K(RZ7!IVFZAJ4^J67VVTCMU0;D^7[Q9@%^]GGCC'7
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MQ4@@Y!# @@@@$$&L9O&UK/8:7<:1I]]JDFIQM)!#;HJE57[Q=G(5,$XP3G/
MS55_B-I\&AS:C<Z=J,4MO?KIT]GY:M,DQQ@8#88'<,$$YS0!H6?@G0;*^6^6
MUEFO!$\)N+JYDG=XW #*Q=CN7CH>!SC&32:9X&T#2;V"ZM;6<O; BV2:ZEEC
MM\C!\M'8JG'' Z5B6OC'6;OQ]INF2:#J-G:3Z?++)#-Y&Y6$J*)"0Y.T#(P.
M3N'![)#\5+&:PL=3_L+65TN]D$$%WY2$/,<@1A Y8Y(*@XQGOWH V;3P%X=L
M;V&Y@LY0()?.@MVNI6@ADY.Y(BVQ3R<8'':J?B/PJITE+;2M'L[V!K][VZM9
MYWB=W<EB\4H.8W#'/IC(XJ:#QY9+!K#:M8WFDRZ3&DUQ#<A&8QOG85*,P;)!
M& <YXJ;3O%XN=5MM.U'1M1TF>\1I+3[6(R)@HRR_(S;6 YVM@XSZ4 8?AKP!
M"HUY]7TR&VMM6\A/L*73S,%BR0SR\%G9F)//0 9-=K<:5976IV>HS0[KNS61
M()-Q&P2 !QC.#G:.OI7)6'Q-M+^UTW4!HFK0Z3J$J6\=_*D819'.T J'+8W?
M+NQC/YU7A\=WUI>>-Y]2T^X2RT4[H"QB &(E(3Y6)+.6W XP 0#@\4 ;EMX
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M!;@YP.>.<<9ZVTNH;ZR@N[=]\$\:RQMCJK#(/Y&@# D\!>'9;^2Z:SEQ)/\
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MQ0!Z114%G=PW]C;WEL^^"XC66-L8RK#(/Y&IZ "BBB@ HHHH **** "BBB@
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MB?0M/US0K#1%OXKZYN)K.^^TQI'&)R6(E5CNRI8_=!R,=*O^&?"MYH'B6%F
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M7BM=,N+E;F0M%;,8]Q!+'#<XW]?FZU[-:6L%C9P6EM&(K>"-8HHQT55& /P
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M-0B@$;2J68*< /L!X7)SG &>]-?X>^$Y#-OT2W99BS-&Q8HI;J57.$)]5 -
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M+9>.GU30K6_T[0=0N+BZNY;6.U.%*&,L&:1S\J#Y3UR<G S6-XE\8WEWX/\
M$4(MKG1]8TN:U254G#8$DB%2KIU!7(/3N*Y+2I_[1\*Z5)-J6FW<"ZG?SZAI
MPU,6@NM\K['!R#M!RP4]014ZZ/;#3/%=O;W7AO3TU4V+VMM;:C&5C\I\N&/&
M6P,YQR3^- 'I$'AW48_$O]HOJMR;7[5--]F-R[+L>)$";<8P&5G']W/&<DT>
M#K^=O[6T2[F>:XT>[-N)9&+/)"RB2)F)ZG:P4GN5SWKI8Y$FB26)U>-P&5U.
M0P/0@]Q7)>#(S=ZSXHUX?ZC4+\16Y[/' @BWCV+!_P J +6I>*KB+7)M'T;1
MIM5O+:%9KK;,D*0AL[%+-U8X) ].XKD/%/BB\\1V_AF+1[;44M;^_>*ZCANQ
M:S^9&DFZ!F!RI!7)(.#CWKH[K3M=T3Q=J>LZ/I\&IV^JQ0B:%[D0/#+$"H()
M!!4J1GN"*S]/\%ZI9_\ "/33R6\EU#K%SJFH&-B$5IDDR$SR0"ZC\,T =EJ%
MXFB:+-=&&ZNEM8LB*%3++)C@ #JQ/J?J:Q++Q=>?V_::1K&@S:;->Q22VK_:
M$F#^6 65MOW2 0>X]ZO>,=/U35?"E_9:-<_9[^55$;^84R P++N'*[E!7(Z9
MKCM)\&7L'C'1M8M_#ECI%K:I/'< 7?GW$A>/ 9FQR 1@#)/)- &A8?$I[VPT
MO59/#E[;Z-J$T=NMX\T9*.[;02@.=N[C=^.,8K6?QK9P:3XAOKFWDA;1)I(9
MX"06<@!D*_[X9<?6L6+PAJJ?#'0= *P_;K*XM9)AYGRXCF5VP>_ -4]?TE=4
M^*UC9V=S$]I=Q)=ZQ;H<D?97S$6_WF=1@]D]J /0S>K!I1O[U?LR)!YTRL<^
M4 N6!(].?RKG-+\97FH3:=++X;O[;3-2.+6[+*YY4LID1<F,,!P><<9Q70ZO
MIZ:OHM]ILCE$O+>2!F'4!U*D_K7+Z+%XRABT?2;BULK.VL-B75['.)?M4:+M
M"HA7*EN"2>F#C- &!X/\=ZE:^#=(O-5TF_N+"2;[--JLMPC-O:4HK;"=Q0$A
M<_H174ZOXLU&QGU#[%X:O+RUT]<W%PTJ0*WR[CY8;E\#OP,\9K'3P?JR_":R
M\.%8?[0AGA=QYGRX6Y$AY_W15'6/!FKZEJVN?;-(L]7:\D8V%[>7K>5:1E
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MD=-W;%3:]I'B'7K_ $R^U#0X[FQCAECGT==3*J)2PV2E@ '&T$;3TSWK-M_
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M7*$C*AN6Y([#%:VJ>$]?N+;Q;ID-K;M;ZIJ$-_;7/VC!R&AW(RXXP(V.<\T
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MTG2]'O\ 5+NXT:#4$::Y0'RV^7,LC?Q<#) .2>G7$<FD>)M;\1W6J7^FVMA
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M!P22!UST^M<_HYCUK1/".E-IMQK5XNBBZ>SGO1!:JI8*)'."SOD$ 8( )XH
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ML!5LKC!7WK.U?Q5XMFN?#,L6A1V,%[J("1MJ(W7$9A=E5\(=G3)&3RH'.<T
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MD66-RP216VG#8.<?6@#SW2O!FNVMCH6GW+6'DZ/K+WB2QRN6EA83'E2O#9E
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MJ4"Y!)10-N2<X XIMCX5\4W.AZ!X<U?^RTTW3&MI)KJWF=I+@0X*1A"@"\J
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M9=$NC/8:1)(PG0*-DC#8%4@\!B<D,>M>IVVC:79V\MO:Z;9P02J%DCB@55<
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M*[+4--L=5M&M=1L[>\MV.3%<1"12?7!&*6PTZRTNT6TT^SM[2V7[L4$811^
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M>QZ5JJP;CN)9 H0>_0"D-GH5K\-] UW2#"?%$LUHT=VCYN;BY>1!,CG[S=9
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M$-<!H5(F(  +\?-@ =?04 >>ZEX;\/Z;XS\/Z%-8V\&@3PW%P+>3_57-X/+
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M7KO"Y.U\&' 8=P#SCU ]*X^733J%_P",&U"U\.L;*ZDA274[B1)K*V5!Y1B
M4[%V_,"N"3FO:VM;=[J.Z>")KB)62.4H"Z*<9 /4 X&?H*HW_AW1-4NX[O4-
M'L+NYB^Y+/;([K]"1F@#R^ZTV75KK2)9KG0M?OX]"A\^QU=9(U="2?M$+,O#
M-T)*Y&!G%-L7\/\ B#5? (O[<QZ>^GWL<-I?3^:KNCQJ$9CQ(ORDC/!PIQ7J
MFIZ!H^M",:KI5C?>5_J_M-NLFSZ;@<5E:KX.LM6U_2[NYM[273[*TFMC92P!
MD8.8RN > !LZ8H \YNS;P_;]+MY?+\'?\)-;V\GEN1"D;0YEC!'W8_.V@@<#
M)%7?$=IIND:KXDL/#L<%O92>%KN6_MK3 A20#$3%1PKD%Q[@5ZHFE:=%IO\
M9L=A:K8;=GV585$6WTVXQBH;/0-&TZQFLK+2;&VM)P1-!#;HB2 C!#*!@\<<
MT >>1Z#IFA7?P^U#3K5(+VZG6*YN%_UEPKVSLWF-U?+ 'GIVK$LX+/1IK#6'
MMM*UFS?5QY6K6LKP:D)'F*[9589DP3M*Y&0.E>T-8VCBW#6L#?9B&@S&#Y1
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M'I[:TL[6XU@3#=J5WY4$#1':R%PIW,6X48&<9K;T#PJ=!U^\NHI4-D^GV=E
MF3O40!QEN,<AA^1K%M_!VN:?X9TS3(7TB_BMWN/M5A?Q9@G$DC.K!MA967..
MA!R?8T =;H-_?:CIBSZC8+97(=D*),)4< X#HPQE2.1D ^U:=<=X8\,ZOX7T
M7[+9R::KW&IFZFMP)/(MX&QNCA[Y &1G R3Q78T %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %(54L&*@D=#CI2T4 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1165XA\1Z7X5T
MHZGK$[06:NJ&18FDP3TR%!/XT :M%9^HZYINE:%+K5Y=+'IT<0F:8 L-IQ@@
M#DYR.GK6;9>.?#^H:IINFVUX[7>I6OVRUC:"1?,A^;YLE<#[IX.#0!T5%%%
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MIUYXO\97.BQ,"NGM:2! !T'<?DOTQ0!]$^&]1M=7\,Z9J%E +>VN+6.2*$
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M!."8R[C_ !J#Q;<WO@KPSKWPXU-I)+<3QW>DSL/O1&0$K_,^Q#>U=OXD\4>
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M?&GC>_2!B3:W4,K1R9!&&'?KG\*U?!'C'P3X'L[^VM;C6[E;RY-RQETYP5)
M&!@=.* +OP\_Y+;X_P#]Y?\ T*BZ_P"3H;+_ +!1_P#07JEH7C'P3H7B_6_$
M45QK<LVK$&2)].?:F#GCC-$GC'P3)\18?&1N-;%S%;?9A!_9S[",$9SC.>:
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M,>'M5UE?%.J>'M:N+6[DMK>&ZANK> P[DD+J592S<@IU!Z&HO%/_ "//@?\
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M=Q']HB-S<3.V?E$:LI"CCGG)/'2J-CXX\0ZYI_A);!=/@N]9:\BN)9879(S
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MX'MF9[<3I)$Q#$%21@@J""#^=9]C\/ULX;1'U::XD@UIM8:62(;I79&4J<8
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M+( 0@+A01C:.>N9_$GC[2-#\*+KEO=6UXD[".T"S +,Y8+C//3))],&H=?\
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M]B:(AR99" 0VX;?[S9->G:%X<AT2:\NVO+J^O[TJ;B[NBN]PHPJ@* JJ,G
M[FMJ@#R":RDN?AUXBOH[9AJ'B?5F@4F/Y_*><0H#WP(P6_&M;Q%IMT_B-[+0
MK8Q'1_#5S]A$2X"SS?(B@^H$9_,5Z310!XSX?MX]4MO#6@V6L7MS%9RP7,MM
M'IBP_8C%AOWKD ABPVXY8Y)J[Y,J?#3QAK<5HQU'7[JYCCRAWF-Y/(B'K@#G
M\2:]9HH X+0D@M_BC?V3ET;3]&M;.S5D/[R/+,[ XQU\L?44OC737\1>,O"^
MC>;=P6T/VC4)YK9RC(44)'AAT.7/Y&N\HH XN\\$0V-C?:E97&I:CKD-G.EA
M-?WCS&&1D(&P$X4DX&<9KF$N-/UCP5X=\):!;RF_6:T>X7R&1K'RG5Y9)"0-
MKY5AZL6XS7K=% 'D=I;3ZI/IQ:&0?VSXKFU!RRGBWM@P0-Z F*/'UJ?0]1T^
MWT?4="U/2Y=0U_4]4G%]8&)LR!I2!(S$8$8BVD-G&!@5ZK10!Y5K-M>2_$+6
M/"EBLD<6O6]I<W-PG'DVR!XYN?[S!(T'^]GM77^-,:9\/]26RTF*^2"V$<=D
MT9:,ID#E1R54<X'9:MZ%X:AT6YO+R2]NM0O[LJ);N[*E]BYVH H "C)X ZDD
MUMT >16-]+J/Q%\(SKK;ZQ!%]J1IH-.^SV\!: X0-@DDXZ%CC X&:9:Z<8O@
M3HL:6C+.M[;2E1'\P;[8N6QUS@GGTKV"B@#RJ:_L-#A\<:5K=M*]_J5U/-;Q
MBW:0WL+Q 1JA .=N"N/X<9XKM_!:-'X!\/(ZE772[8%2,$'REXK>HH \<\-R
M?V59?#"YO4EAA2WN[=W,3$))(%"*V!QD@]:@MKPZ=<6=AH]Q+=A-4!_X1G5=
M.#S6S&8EI$E7[H7)<,2PQWKVJB@#E/B5-<1_#[5H;1&>YNXUM(U4$DF5A&?R
M#$_A7*>+? VG>'=(L-1MDU*^TZQEC2^TZ:]GFCFMR0I(0L>5R& Z8!!%>K44
M >9ZB81KWBR^DTNXNM-L],M=*6"T3!,,F7E* =E5U/']WVK&AU62RM=36RNA
MXAL=*T:9M.U(VA6>UD8!%@+  .2,'@ _+S7LM% 'F/@?0;KPEXJM--U9_MLD
M^CQK9W1BP+<Q'$D"^@(9&SU8@DUJ>/DO_$=Q;>#-,D\C[:AN-0NFC+)%;J>$
M.",EVPN 0<!J[JB@#S+;JGA7X@+J6L75K=6TN@SH'M+,VZ1BW99 ""[=F;'(
MK TN2VU7X8Z=X4L;:4Z_J$\4]XK0,I@)E$KSNQ&,;1\ISSE0*]<US2(=>T.]
MTFXEFB@O(FAD>$@.%/!P2".G'2KL420PI%&H5$4*H'8#@4 >3Z;XFTNWU'QK
M?7%I+/J=_>R6UE"MNSF\BB00JB$#!&]7SZ9R:H1:?>^$];T9=8UF32ULM AM
MK6Y%G]IC,N3YR*<'#_<QCD@"O6- T2V\.Z+!I=I)+)%"7;?,079F8LQ)  R2
MQ[5I4 >0+;M96GAG^T#>QPZKXC;4YVNK81E"J$QJR)D+O=48 \Y)SWJ/6'\R
MQU>_ODDCM=5\5P6\\AC8A;6W*@$X'0F(C/\ M"O8Z* /(]1N[C1_'OB6]O-8
MN=/N9Q"MC''IHN6NH!&,)$2#SO+Y4=SDUWO@S2FT/P?I]C)YJLB-(RS!0R%V
M+E2%X&-V...*WZ* /+_!7A#^VM"FUR[U37;&;5KRXO)+>VO7@4!I&"Y4<YVA
M?TJ>^T[1_!_B_P /M/;FU\/6EI<F"4JTB)>.R?-(W)W%-^&;OFO2:* /'[V"
MXUS4+RZAM)XM.\1:Y80Q*\11I(+==\DQ4C(#;, G&0!ZTV\A>>"XUJ_@E.F7
M7BT27I,9(^RP*8HRPQRF^-2?J*]BHH \[UUK#Q?X8\6WMAISJ5T]K>WU)E*_
M:MBF0! 0"55\?-T)SCI4OA>^%_;WGQ"UA)(89+81V4?EEFBM5Y9@H!),C9;@
M9P$KI_$7A]?$=DME-J%Y:VC$BXBMF5?M"'JC$@D*>^,'KS6K%%'!"D,2*D4:
MA411@*!P !0 0RI/#'-&24D4,N1@X(ST-/HHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH *AN[J&QLY[NX<1P01M+(YZ*JC)
M/Y"IJX#XNR:I<^$XM!T>VGEN]9N4M&>.-F6*,D;F8@<#H#GL30!F?#3XFZGX
MMUZ[T[6K*&S\^#[9IFQ2ID@WLISDG)X'3'0UZE7@^L^$?&/@Z\\->(S=PZNF
MBO':+;:?9%9!;$88<9W#&1]6S7L&FZ^NI:WJ6F+I]]"+$1G[3-#MBGWC/[L]
M\=#Z4 ;%8'B7_A)(X3<Z'>Z;!%#$SRI>6SREB.1@JZX_6M^JFJ*SZ3>JJEF:
M!P !DD[30!P-CXC\8_\ "OI_%UY=:.\1TI[V*VBM)%97V;E#,9#D>O KI=#\
M;Z%K<]M96^HQO?RP^8$$;JLF!EO+8C:^/]DFN>BL;L?L^FQ-K/\ :_[ :/[/
MY9\S?Y1&W;USGM5S4K"8:E\/_)M9 EK,XD*1G$*_977G^Z,X'/M0!LMXW\-I
MJITUM4C%P)O()V/Y8E_N&3&P-GC&<YXK?)"J68@ #))[5X1:Z3=0>#V\*:C>
M^*'U#S6A?2[:RB\J4F4GS%G,) 0_?W%\CFO<W@$MHUO(6(="C'/)R,4 <3IF
MK>+?%]HVKZ-<Z9I>E2.WV);FU>>6X121O?#J$!QD 9.*L7/B_5=*\)B[U31P
MFMO>#3X+1'Q'<S,VU&1CR$/WN>0 :Y[3=0B\/^$(_!WB>VURTELQY,5YIL$Q
M6Y16RC1R0@E21@%3CO56UT+7[CPG-?I:ZK,]CK\>JZ;9ZG.7N)+>-5!0[F)4
MD&0@'O\ 6@#JWE\=Z2]M>73:9J]N\J)<V=E;/%)"K'!:-F<[]N<D$#(!Z5V+
MND<;22,%102S,<  =S7%7/CV;4D@LO#.E7\VJS2(KK?6$T,5JN1O:5F"C@9P
M%)R<5UFJ1B;2;V)K8W0>!U-N&VF7*GY<]L],^] &9I?C3P]K-\EE8:@))Y5+
MQ*T3H)E'4H64!QW^4FL'PI\2])U32M/&JW\$.J7,K0LD<3B,/O8*F_!4,0!P
M6SS[U@^%YKV'7=!L]*N-6O;&/*W%EK&G$/IB>61\MP47D'" 9.12QZ5=I\"+
M:S6PG%V+J-S"(3Y@/VT,3MQGISGTH [G5?&WAW1;R6TOM0V30J&F$<,D@A!&
M07**0G'/S8XK,UKQ==6>L7D%B;:6TC\.S:K#)@MO=6 7D'!4@_\ UZY?6KO4
MI]0\46,DFI:=))(Z6MAI>E!C?J8P%D><QL#NZ'E=H7&:AM-.OSIEH/L-T"O@
M%K4@PL")L*/+Z?>X/'6@#U+1+R74= TZ^F"B6YM8IG"C #,H)Q[<URGA_P")
M.E7,4L.L7T%O>+?SVN$B<1H%E9(P[\JK$ =2,YKI?#,;P^%-'BE1DD2QA5E8
M8*D(,@CL:\PCNL> /$7A<Z)J)U?4;N^2VB^Q2;9S)*^R7?C:%7())(P%SZ9
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MP,(N-2 ,L"W "PR.4B895WVJ=@([MBJ?B&SDN/B#X.G%N\D5N;UGD"$K&3$
M"3T&>U<E>P76A^+O$TE]JFOV*:A.MQ;'3M/2Y2Z3RU79DQ.0ZD$;20,$'U-
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MBUF7='+&V58>U>2BSO=%\01:A?:CK>EVEWHUG%%<6%DLX5XU(:)P8G9#DY'
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MF?/\W&S9_'NS^M '8S^*KU-0\26[7%C:1:;?6=O#+/&[ K*L98-M.2Q+D \
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M=DD2*-Y)'5(T!9F8X"@=236!IWCCPYJUVMK9:FLDSJSQ@Q.@F5>IC+* ^/\
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MU:NT(A(=3]K5F)7&1QDD^E5KFVNM%UGQ3!J&I>(;4W]Y)<V\.GZ>EQ'>QN@
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M9&X#D9!!_&M#K0 4444 %%%% !1156YU&TL[JTM;B=8YKQS';H0<R,%+$#\
M3^% %JBBB@ HHHH **** "BB@G R>E !145M=6][;1W-K-'/!(,I)&P96'J"
M.HJ+4-2L]*M/M5].L,&](][ XW,P51QZD@?C0!:HIDTL=O!)-*P6.-2[,>P
MR366/%&BM"LHU"/RVL#J0;!_X]O^>G3IS]: ->BJD>J6$OE[+N)FDM_M*KN^
M8Q<?/CKCD<T^PO[75+""^LIA-:W""2*1<X93T/- %BBBB@ HHHH **SUUS2V
M^U_Z="OV2=;:<NVT)*P4A<GN=RXQZBIH-2L[F_N[&&=7NK0(9XP#E-X)7/U
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M*L,@CN*6@ HHHH **** "BBH;JZM[&UDNKN>."WB7<\LC!54>I)Z4 34444
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MF.N:7$6 !^5T@5ASZ@D5UX\!Z2VD:A83S7MR^H2QRW=W/-NGE,; IEL8 &T
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M9ZGIM_)J.K7<NFEOL:W5UO6%2A0J!@9&#U.3P.: .HFD6*"21G5%12Q9SA0
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MMFM1/>S^8T43=53@ 9XR<$G R335\#:0MLMN#<;%T<Z*/W@S]G./;[W'7]*
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M?N2I(PN_^_@YQZ4 :5%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MEM9;2YGVR,Z,DZO*[ADVDG&&'4 UUM% 'FM[X8UF6YU1DLB5F\4V=_&=Z_-
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M$><CH7-3Z'H#S^)]-O!X8U6Q2R61Y)]5U:2<I(R%0L*^<X;.3EB ,>]>DT4
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M3\J,WF;B![X'Y5U=<'<V_B31_'^L:OIWA\:G:7]M;1*PO8X2ICWYX;G^+]*
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M=3(J23!1N=5SM!/<#)Q]34]%% !1110 4444 %%%% !UHHHH **** "BBB@
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MBKV&3FNNHHH *X:]L?$VE^/=2UK2='M=1MKVT@@_>WWD%&C+D\;&S]ZNYHH
MXC6K/Q-XI\,W-C>:-:Z?<"ZM98@E]YP=4F5WR=BXP%XZYS6EJ&AW=WXYLM53
M8+2+3+BU=BWS!W>,CCTPIKI:* /)$\!:O-H'AD:CHFGWEQH*26CV,MUE+N%E
M4>8K[?D8%00".F>:N#P+?R>'M4BMM%TO29;R\LY(K2V?++%#*KDR2=&;[Q
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MW8R<#@8'6I_['\3Z]J>C-X@CTRUM-*N!=L;.=Y&NIE5E4@,B[%&XG&6/0>]
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M?%YO=&N$U/2Y[2^L-8M;*XM[>]. SO&4=9 HW(0X)4@9Y!I_AWP3J>D'P?\
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M\<^S.=NY0V,]\9JY67X;MY;3PMI%O,A26*RA1U/4,$ (_.M2@ HHHH ****
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MHHH **** "BBB@!C11O(DCQHSQDE&*@E<C!P>W%/HHH **** "BBB@ HHHH
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M=1SZ$&MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MW[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT
M=/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/
M^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^
M_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<
MQ_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?
MHT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H
M_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_
MW[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT
M=/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/
M^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^
M_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<
MQ_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?
MHT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H
M_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_
MW[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT
M=/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/
M^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^
M_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H_P"$^T/^_<?]^C0!T]%<
MQ_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_W[C_ +]&C_A/M#_OW'_?
MHT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT =/17,?\ "?:'_?N/^_1H
M_P"$^T/^_<?]^C0!T]%<Q_PGVA_W[C_OT:/^$^T/^_<?]^C0!T]%<Q_PGVA_
MW[C_ +]&C_A/M#_OW'_?HT =/17,?\)]H?\ ?N/^_1H_X3[0_P"_<?\ ?HT
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M/(5CE:&6.6-HY(I%ZHRL 01D?G6E0!E_V(O_ $$=2_\  DT?V(O_ $$=2_\
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M+_P)-']B+_T$=2_\"36I10!E_P!B+_T$=2_\"31_8B_]!'4O_ DUJ44 9?\
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MER\8#E>!S[D 9QU(S[4 >(VT[Q?"#39'\86EQ%#!#)_83QQ9G*L"(,J1)DD
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M %MO<*.I ZBNEBT?3(+IKJ'3K2.X=_,:5(%#LV"-Q(&<X)Y]S4M[I]EJ5O\
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M>N3:+I5S ()],LY80"HC>!64 G)&".F0#]:EGTZQN;+[%/9V\MH %\B2)63
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M3S7KT%O#:P)!;PQPPH,)'&H55'H .E0/I6G2Z@E_)86KWJ#"W#0J9%'LV,T
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 5!<V-I>-"UU:PSF"02Q&6,-Y;CHRYZ'GJ*GHH **** "BBB@
MHHHH C\B'[0;CRD\\IL,FT;MN<XSUQGM4E%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
'%%%% '__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>22
<FILENAME>ex97-ibcrpolicy2023x11x1007.jpg
<TEXT>
begin 644 ex97-ibcrpolicy2023x11x1007.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M K26$$NHP7SJ3/!&\<9W'"AL9X]?E'/U]:LT44 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !116=JVO:3H,
M*2ZMJ-M9)(=J&>0+N/H,]: -&BH;2\MM0M(KNSN(KBWE7='+$X96'J".#4U
M!117*ZKXCU2;Q&_A[PY9VL][!"L]Y<WCLL-NK$[%PHW,S8)QQP.M '545SNA
M:QK4FH7FF^(--CMY[:-9DO+4LUK.AR.&8?*PQRI^O2K>F>*= UJ[DM=,UFQO
M+B,$M'#.K-CIG /(]Q0!KT5AKXR\,M>Q62Z]IQN9<[(Q<KDX)![^Q_*I++Q7
MX?U&TN[NSUFQGM[,;KF2.=2L0P3ECG@8!YZ<4 ;%%8(\:^%R]TH\0:;NM%W3
MC[2O[L9QD\^I ^IQ5N+Q%HLVBG68]5LVTQ02;KSE\L8..6S@<\4 :=%95IXF
MT*_TR?4K75K.:RM\^=.LP*Q8Y.X_P_C4?_"7>'?L5S>_VW8?9;67R9I?/7:C
M_P!TG/7VH V:*PG\26EW:Z;=Z/J.F7-M=7JV[2/<<$$,2J8ZR<#"GWI]UXP\
M-V.I_P!FW6N:?#>[@IA>=0P8] >>"?0T ;5%8>GZY+>>+]:T9H46+3X+:5)
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MC1*L3N . ,,-QZ$BO1.E% 'ENIWNEZOJ.EWVBV#K;OXGM2]ZJD1WC"%P77U
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MQ[T^XGU[0M$O+S5_$VG2#S($BF33618]TBJ00'8MNW #I@G- '845S.H^/\
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M=ZCI<D+W\!\ZXC61 S$!0, *21@%1C(%=UXC\ZU^(7A74/L=W-:+'=6TDEO
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M/J=U>7LMN(;-VCDBE<N'$@&WH>F<Y&,9KV.HFN8%N5MFFC$[(9%B+#<5! +
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MP0N>&Z5U/@&75I;C6/MDMW=:<'B%E>W]E]FN)OE.\,NU2P7Y0&*C//I7:T4
M<)XL\-V_B'XA>'%U'2_MNFQ6EWYIDB+1HY\O;D] 3@X^AI/%OA2RTSP#>Z?X
M=TA8O-N[65H+2(DL1/$2V!Z*N?H*[RB@#B-,TZY34?'TCV<JB[G7R6:,CSE%
MLB_+_>&<CCOFN9M&UC3K3PM9W2ZMI5DF@01O=:?IGGW+3C ,#GRW,8  .,#)
MSSQ7KM% 'CFBZ/J9L-,6?3-2#)XS>[87<1,@B,;D2.0,=QEAQFM/QEX>U35]
M8\6)96<C_:-(LA$2NU)VCG=VC#'@DJ,8_P!H5ZA10!Y]K6MOXFTV^MM.\-7[
M,NE78DN+RR>%[=VCPL489<NS'@A>, <GBLHRZK:7NFVMV=8TNR71K5(Y=*TS
MSIKB4#YHW?RW,>WC"G'4G->K44 >1>%-)U6!?" N=-OXGMM:U&2<7$9+1JZ2
M[6=AQSN'S="3Q7I'B2;5K?0+F;1;6&[OD 9;>;I*N1O4<CDKG&>,XK5HH \>
MN[/2M2U&QG\(>%=7T;Q#]JB9Y_L+V<4,8<&03=$8%=PP,DFBXTZZT;5?$\%]
M-XJ0W][+=6L>E6RRPW:2*,*6\I]K#&T[B!@ U[#10!Y]X6T&XTKQEI^ZQN8H
M+?PQ#:AYF\SRW$Q)C,@ 4L!CH!TJF_A_4O\ A/CH8M)?^$<DOQKS3[3Y>\#F
M'/3)F"R8],UZ;10!Y1<Z3J<%[?:I_9EW/!9>+?M[P)$2\L'V=4\R-?X]I.>/
M[IQR*G\6_;?&6EWLVD:%>QP6LUI-]J:#R+J\$<A9XXTD7)"CD;A@MP :]0HH
M \JM-/76-:>ZC@\3ZREMIMS&QU<+:1L9% , !A5F+8Y/1<#KFCPJ=1@\0Z+;
M:6^OS::J.+RTUNR(^P+LX$<[(I)W87 + BO5:* .5^(*:A>>&3I&FQ3M/JLR
M63RQ(6$$3G]Y(V.@"!AD]R*YO6_"FL>''T37[+5=2UAM&F2(67V:+/V5\1R*
M@B122!M.#G[M>G44 >3W4EUH_A?QAX<GT34[N_OY[V:U:"S>2.Y6;)5BX&T%
M<X()!^7C/%;OAO3;J#QQ%=36<T<:^&K.W\UXR '$CEDSZCC(^E=W10!Y38Z-
MJ$7PN\+V?]G7*7,&M02RP^2P>-1=EBQ&,@8YSZ<T-HVH//\ -IUR5_X3G[7S
M"V/)$?\ K.GW<_Q=*]6HH \R\:Z5J%UJOC![:QN95N/#*01-'$S"27?+\BX'
M+8(XZ\BJFO6\EEJUW<6Z>(]*U"2TA$<UA:M>6^H$1X"R1[&567[OS$<<YKUB
MB@#SBT_M:V\7Z#>ZMI<Z2W7AXV<QM+<O%#<%T8JQ7(08!Z\>]5+>#6-'^#?A
MN"UTZ:.YB:W%T/L7G36B;B7E6(@Y=3@]"1DG'%>I44 >3Z797]YXVOKJ+^WK
MZUG\/SVT=[JEMY.^4R*=BKL3:,=,@9YQG%,TRPU#5K'P1;16-_:26FBWFGW#
MW%L\?D3>1"@SD="0<'O@XKUNB@#R61KO5/A_I/@N'0M2M]8A-I!,9+1EAMO)
M="TOFXV$$(2-I).:V;32[M?#_P 1$:QF$MY>79@4Q',ZFW0*5X^8$Y QWS7H
M-% &5X9BE@\*:/#-&\<L=C"KHXPRL$ (([&M6BB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ KB](X^+OB8'@MIUD1[C,M=I7/:YX0M-9U.'5([[4-,U
M**(PBZL)@CO'G.Q@P*L,\\B@#C]?U"YTSQ1X^U"QE\JZM/#\$D<@ .QQYQ'!
MX]^:T+>XU_2/$7A8WFO37\6M>9'=6\D,:QQL(3(IBVJ&4 KC!)R#ZULV_@32
MX-$U?3I+B^N9-70I?7MQ,'N)1MVCYL8& <  8'I6G<>'[.ZN]'N9&F#Z2[/;
M@,,$F,QG=QSP3TQS0!YC:2:EK\_P_O;C5KF*>34-0C)ACB &SSP" 4(R54*?
M;GKS7L=<J? 6FKIFEV5O>:A;'3+F2YMKB&51(&D+EP25(*G>PQCI6KI%A>65
MWJLMU=RS1W-V9;='E+^3'L4;1D# W!C@=,]: . \?7E[>0>/M.^V/%:VNC6\
MT:(B9);S=P)*DD':![=L5/K=QX@TF3389;_Q =%6P5C?:9:0S3>?N.?.78<(
M%VXVKSSFNOOO".F:C/K,MR9V.KVB6=RH< !%#X*\<'YSSSVJB? D2-;3V^OZ
MU;WL5O\ 9GO(YHS)/&&+*) 4*DKN(!"@X[T :GA;4/[5\,:?>_VC#J)DB^:[
MAB,:RD$@G:>5.1R.QSTKRCQ/J<>NZUXEU*"WU*6]TUHK;19;;3YIHQ);OYCG
M>BE?FD^0\]!7KVCZ+::%HL.E6'F1P1*P5F;<Y9B69B3U8L2?J:30-#M/#FB6
MVE6/F&" '#2MN=B26+,>Y))- ')S>)KKQ3=>&++1M0DTZVU>SEOI[F)5:550
M(/+3<"H.Y\$X.-M,OKGQ'87>E>&#KZR3ZC?RHNI")#/%;)%YA5EV[/,/0-C&
M.<9K47X>:5!:0PV=WJ%G+;74US:7$$JA[;S3EXTRI'EG^ZP-._X0#2CI_DFY
MO_MOVO[;_:?G#[3Y^W;OW8V_=^7;MVXXQ0!DZO<^(] 2WTB/7UNGU/4X;2UO
M9XD-Q:QLC,Y<!0C'Y#M.._.<53UW5]=\)2ZQIHUJ>_5M"N=0L[BYCC\ZWEBP
M"#M4*RG<",CJ,5T7_"O]*ELKN.[N;^ZO+J:.X?499@+A9(_]6RLH 7;DX &.
M3UR:FM?!&GQM?RZA=7NK7-]:FSFGOI%+" ]8U"*H4'.3@9)[T 5=0UJ_AOO!
M,<=R5749BMT-J_O!]G=_3CY@#QBN1_M?Q2O@.X\8-XCG,MI>2*ED+>(0R1+<
MF,J_R[B2,\@C&!WR3V%A\/[*SO\ 2[R;5M7OI-+8FS6ZG5EB4H4*X"C(P>IR
M>!SZVV\%Z8WA&?PT9+G[#-(\C-O'F9:4RG!QC[Q].E '%7XO],\2?$K4[?5;
MD26NDQS1QM'$4W>3*4R-F2$QQSSDYS6E;SZ]K_BIM+CU^XT^RCT:TNF^S0Q>
M897+@X+*0 <<C'88QSGH-2\%6&IZEJ=X]W?0_P!IV1LKR&&11'*FUE#$%2=P
M#'!SCV-7K#P[9:;JTFI0M,9WLX;,AV!79&6*G&.OS'- '"Z3XCU[Q!9^&-(;
M5&M+J]-\;R_@B02.MM*8P$# JK-D$G'&#BN@\(76KKXE\2Z1JFJ-J,>GO;BV
MD>-$<*\9;YMH +=,GVS@9JAKOA:/2=-TBWT[3M4NX;2ZGG^U6%PJWEJTK,Q*
M X5U)8J5/;'!Q5GX?:#=Z9=Z]J=U!>6ZZE<1M%'?3"2X*H@7?(02 6))V@\#
M XH ?#Q\;+L'OX>B(]\7$E9>OW<UE\1=?O+639/;>$&D1P =CB65E//';/-=
M3KWA*TUV]MK\7E]I^HVR-''>6,H238>2AR"&7(!P0:@L/!&G65EJL4EU?7MS
MJL)@N[V[F#S.FTJ%!P H 8X &* .;M+WQ%IH\':M=Z_->C6YHH+NS>"-8E\R
M%I 8]JA@5*]R<UC7LFI:]'X<EFU:Y@D3Q9=6R&".(;0OGA6Y0_,%7'/7<<Y.
M"/2I?#%C-9Z);,\_EZ-+'-;$,,EDC:,;N.1ACTQS6?<^ M-GTJ.QCN[^V,6H
MOJ45Q!*HECF<L3@E2,?.PP0>* .IKA/%FK3+XCCTV/7-3MU6U$OV/1;+S[EF
M+$;W8HZHF!@#C)SS73:;I]Y:ZOJUS<7<LMO<R1FWB>4N(@J -@8 7)SP,],Y
MYP*6H^$(+W7)-7MM4U+3;J>%8+@V<B 3HI)7<&5L$9/*X/- '$:?XF\2ZQI'
MA2W357M;N]U.[LKJX-M'O9(A+@E<%5?"#IQGL1Q5B[\1Z]X>3Q-I(U1KZ>UN
M+"&QO+N)-\?VH[27V@*VTY(X]C75:9X#TC25TU+62[V:;=S7=NKRAL-*K!@2
M1DCYSC)SZDU8O?!VDZC+K3W:RRC5XX4N%+X"^5G84QRI!.<YZ@4 <R-*U#2_
MBEX;6\UJYU.)[&],;7*1K(C?NMW**H*GY<#''/-;OB:_O+;Q-X5L[:<PQ7MU
M/%-A%)(%O(PP2#C! /'IZ4[3O!5O8Z[;:S<:MJNH7UM"\$;WDRL C8XPJ@=N
MO4YY)XQJW^BVNHZGI=_,THFTV5Y80I !9D9#NXY&&/I0!Y?H2>(=-^'[2Z5>
M:G=J^M7"W0MHH6N(H!-*':%2H!=FVDYSU. *[+P)K']IQ:C =9NM0:VF4"*_
MM/L]W;!E^[*-J@\@D$#IZXI?^%>::L,T<6HZI"#>F_MFCG4&SE)8L8OEZ-O;
M(;<#6KH7ANWT.:\NA=W=[?7I0W%W=NI=P@(5<*%4 9.  .IH X_4I];@^,5X
M=$L+.\E.AP>8MU<M"%'G2<@A6S6KK>K:Y:6?AIKR&VLKNZUN&WN(K=_.0QD/
MP&90><#D $>M=$FAVL?B6;7@TOVN:T2T92PV;%9F&!C.<L>]+JVBVNLM8&Y:
M4?8;M+R+RR!ET! !XZ?,: /-[K4_%$GAKQ5XC3Q)/"VCZA>I:VJ6\1B>.*0X
M63*[FX&W@C  /)R:U=>UNXN==-I%KFJP[;2*1;'0[$3RH[Y.Z9V1E4=,+E<\
MDUTI\'Z:V@:OHQ>X^RZK-<37!WC<&F)+[3C@9/&0?QJO/X(M7U2>_M-5U2P>
MZBCBNTM9E59PB[5)RI*G'&5*F@#D-,\1^)/$-AX'A75FLI=56]6^GC@C+MY)
MP"H(*JQQ]!N/' J67Q'K^EIJN@C5#<WB:U::;:ZC<0H7C2=%?<RJ K,H+ <<
MG&:ZS2? ^DZ,-&6T>YV:.;C[*KR X$QRP;C) SQ^N:?>>"])OSJYN/M!;5)H
MKB1EDVM%)$JJC1D#*D;0>_/MQ0!SGBG_ (2'PKX8UNX3Q&U]$MK') ;N*(SQ
M2>8H8_*@5D(/<9!IGB76;Q]>U2VM-?U=7M(U\FTT73Q,(6V9S<2.A7)/\.Y>
M/K6U+\/-.O+6_CU+4=3U"XO8%MGNKB5/,2)6#A$VH% W $\9/>IKGP-9SZEJ
M%U%J>J6L&I,'O;.WF58IVVA22=I=<@ ':PS0!S?AG5;C7/%GA#5+O;]INO#4
MTLI48!8R0Y(';FKOC^6]@\6>"I-.M8KJ[6\N/+AEF\I6_P!';.6P<<9/0]*W
MM'\&Z;HD^ERVTMRS:;9/8P>8X.8V96.[ &3\HYJ]J&AVNI:KI6HSM*)M,D>6
M (P"DNA0[N.>"?2@#A+:YU7Q-\2].MM;L;/1;G0U>[BA2<S2W:NI3*/M4>6"
M>1R<@9 K(A\7^)M5TNXUZP?7FN_.D-G80:6'LFC1RHC9]NXDA>6##!/3BO3M
M6\.66KZEI>HRO-#>Z;*9()H&"M@C#(V0<HPZC^58UQ\.M-F-S NHZI#I=U,9
MI]+BG5;=V)W,/N[U4GDJK <T 486U_Q'XPURS37KO2K*S@M7AA@AB,BR21EC
MN+J?E!'3N>XQ6;HOB77/&$^C:1_:+:;(;*XN;^ZM(TWS&*<P 1[PP4$@L3@]
M@,5I#P;=WOCKQ%?_ &[4]*MYX;6*"6QF1!,JHP=2"&Q@XP< C/!K7G\"Z5]E
MTR+3Y;O2YM,C:*UN;.0"14;[RMN#!P2 3N!YYZT <CJ/B/Q+91WN@Q:L&U"T
MURRL8]1:!"7AN%##>N-I9=V"0!G Z5:MM&U"R^+.FQW'B+4+QX]&FD9Y8X07
M43I\AP@XY'3GY1R.1720^!=*ALXH#+>2RKJ,>IRW,LH:6>=""I<XQC@#  &!
MQBKU_P"&[:_\0V.MBZN[>[M(VA_<. LT;$,4<$'(RH/&#[T <!HFL^(M=@\%
M6::W)9C4M-N9[V:&"+>Q1DP5RI53SCIC!/&<$3+XC\00VDVA?VJ7O3XC&D1:
MG)"GF)"8A+N*@;2X&5'&.AQ78:3X,TS1GT=[:2Y)TFVEM;?S'!RDA4MNXY/R
MC&,5F>)/"T,.DZ@]GIUUJ+WNI1W\Z17 BGA8!5\R!N '4(I )YY&><4 )H\F
MLZ;\19="N];GU+3_ .ROM<7VB.,2J_FA3N9%7/?' Z^V:=KW'Q7\'D\ VNH
M>YVQ&J/@W0;U?&=]X@G@U:*!K%+-'U>97N)FWEBVU20B@!0!QGDXKJ?$/AFR
M\1Q6WVB6YMKFTD\VVN[27RYH6(P=IYX(X(((- &)K_/Q5\& <E;;4"1Z#9%7
M+66L>*$\!Z7XQN/$<\TS7<,<EE]GB$#Q-<"(@X7=NP<[@?;%=WHG@^UTC5'U
M6;4-1U346B\E;F_F#M''G)5 H"J"0">,T+X+TQ?",'AH27/V&"1)%;>/,RDH
ME&3C'WAZ=* .#\8W-_JNF^*+=]0EABLM?L(H1%'&/E8P'!)4YPS;A[@=N*].
MM+&]M[X2RZK-<VXMDA\F2)!F0'F4LH'+=QP/0"LN_P#!&EZA::S;RRW:#5KF
M.ZF>.0!HY(PFTH<<8\M3SFK5AI-[9ZZ;E]2NKBS6PBMPD\VXO(K',A4 *&(Q
MDCKGH,<@&1XUU62TO=-LH]9NK%9Q(SP:=:&XO)\ 8V#8X51GEB/09%<G#XK\
M1MX;O88=0N4O+?Q%;:=!<7UJBS>5(8^)4  S\YZ8./0UZ!K/A:#5]4M=4BU"
M^T[4+:-X5N+-D!:-B"48.K*1D ].M4+?X>Z1;0S1K<7[B;48=2D:6<.S3Q[2
M#DC."5!(_+% &!J.NZSX+U36[>?59]8@AT)]3A^UQQADE5]F,QJOR'(.,<8J
M+4M+UFTU;P1=:CX@GU(3:FK312Q1JJRF"4@Q[%!"XW#!)[<]<]S>>&].O]8E
MU*Z1Y7FL'T^2)B/+:%FW$$8SGMUZ5D6OP^LK>]TRXEU;6+M=+DWV4-Q<*R0C
M:5V\*"PP>K$G@<]<@'74444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %4_[4LQK TGSA]N-N;D1;3_J]VW=G&.IQC.:N5Y[K6F3:K\7
MK>WCU*[L(QH+-(]HP61QYXPNX@[1G!XYXH ]"HKE? 5]>W6D7]O?W<EW+I^I
MW-DEQ*!OD2-\*6P "<<9]JZJ@ KE]5^(?AC1+V6TU&_E@FB8(X^QSLH)Q@;@
MA!ZCH:ZBN+^*/_(HP_\ 83LO_2A* .@T3Q%IGB*&6;3)I)4B8*YDMY(L'&>C
MJ,_A6I7'>/[C44'AVST[49K!K_5DM9IH<;O+:*4L!D$9X!![$"N:O;W5?^$J
MO/#JW'BF[LM(M8 )=->'SY9) S;Y78KG    &#@YH ]6HKRXZ[J\WA_1;36+
M[5+6_EN;B-[?3[96O+V./.ULJ2L6 5+GUX!%5;+5/%%QI?B;3+";4_/LKZU6
M"._EA%Z(9%5G17R4WD9VYR1GUH ];HKR"Y\1W5AX4\5+;:KKMO?VUFEQ%9ZQ
M !<6WS;2ZR#AT)X[X(Z\UVNMZE=V_C;PI90W#);W:WAGC!XDV1 KGZ$T =51
M7D.E-XC7X96WC,^(-3O+^.-+N6T9E\EX8W^= H7.3&&R<\FNST'5YO$'B[5+
MNUNF;1;*"*UA5?N2S,!([_@K1K^)H NZWXST'P[?Q6.IWKQ7,L7G)&EM+*2F
M<9^13CFK&A^)M&\212OI-_'<^2P65 "KQD]-RL P_$5@O_R6V'_L77_]*5K,
M\47PT;XE)J5C$KW,/AZ\GO$7^-(RIBW8_P!H,!^- 'H]%>0:1J_B<P:'JL:>
M)+BYNI8&O/M8@%E)%)C=Y:ALK@'*D<G'.<U?C36M2TWQ=JY\3W]O+IE_>+91
M1LHBB6+Y@'4CYP>F#T'3UH ]0HKR^YUZ?Q!<63"]U]I)-,MKE]-T*((;>25=
MVZ65CCG^%21P"2#FJ.F:QK_B/2? UK)K5Y9R:C)?PWEQ!L$KK"6"\X*AL(.1
MZDB@#U>.]MIKR>TCGC>Y@5&EB5LM&&SMR.V<'\JGKR"6TNM"U/XC7EMK.I27
M-CH\+1RS2J2S^1(0S849(*\>F35YK37(M<\+6I\5:J1KMM,U\24^4I&L@\D;
M?W?)*]^#Z\T >HT5Y!=>)-<TO2+K1XK[4+N7_A)?[*CND"/=" Q"4A2V%+]5
M!/K[5/)J_B'3-/\ $R1KKL-C'HD]U;S:NT1G@N$!^ZRL25(.>>A7WH ]8J"U
MO;:^1WM9XYDCD:)FC;(#J<,OU!X->?0KJ^DZMX1N)/$&H7G]LLT-[#.R^7DP
M-(&C4*-F&7CVZYJ[\++$VFB:HQO+J?=JUVF)G# ;9G&1P.3U/J: .[HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MT <,S;E8AB#@B@#OM-U&UU;3;?4+&7S;6X02128(W*>AP>:M5X=IOVR'PQX
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ML.".N.AK4E\&>'I='M]*.FHEG;R>="L;LCQR<_.'4A@QR<G.3GFMZB@#GH_
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MZCX8MTN#>Z?$LLTA4>4<XX!SDD;AGB@#H**** "BBB@ HHHH **** "BBB@
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M)-5:>XO(S"Q)E0#:>=I)R<$C%5[C28?^%::_XF,]V=8L[^[DM+G[2^;?9<L
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MEU]!+/\ %K71%XFDT/&G6F600GS>9./WBGI[>M '>:)J>H:E#*^H:)<Z4R,
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ML[6!P<'!KR?7M*TS1_$&LZ9:7 T33T\+%1-"C$6^ZY<EL#G&2<X[$U4L_/\
M#-[=6]MH>F6FKW&B74EE<:%<%H+@QJ&4O"1D-G&&.<Y(S0![&&4L5# L.HST
MI:\.T73I8++PGJUJWARSN+BZM\:A#=SR75Z6_P!9'(!'\Q8;LACA3W&*]QH
MXBP\>:GJUHU[IO@W4KJS$DD:S)=6Z[BCE&PK.#U4]JV=)\4PZ[INFW^G6-U+
M!=S/%+O 1K4KN#>8">S+MXSR1VKS?PUI/B^7X=S7OAWQ)+"RW-VT>GBUA(?%
MQ)N59&4D,V#@G(!/I5[3GTAM-^';Z(9_LK:I*T@N&W3"4PS&02'^_NSG].,4
M >KAE+%0PW#J,\UEZ)KD.N)?M%$\8L[Z:R?>1\S1G!(]C7DVDV]KHD^C:M):
MZ;JUK/JBI!KEC.T-\[R2%<3(PS(,G#+GH.G%)8^<GB2ZDUU4?PD?$MY&45B
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MN_+M9;:)B%,K%6,@4'Y1@YQ[5F3Q^7X>\>:7%]CM88M1TL"#2Y6,$#O+'O\
M+) P<CG '(- 'M=SK=G:ZSI^ENS&YOUE:':,KB, MD]OO"M#<NX+N&3T&>M>
M9:AX2\,Z+\1_!T5MI5E;Q-'>,,J.9%$;(<GJ022/<FN8;P]IS?#-M<\IEU;^
MVRL=ZKD2Q*;XQE4;.5&TG@<9)/6@#W0,K9VD'!P<'I0&5B0&!(Z@'I7D7B*R
M'A+6O$L7A:V%BS^&#<^7;# ,JRLOF8_OA2>>M1:-I3:=JWA.[L?^$;T\W$H
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MS7QLEX0D+[@2+7(ZYI^IZ;XIT-?%VO76J^'9KI/)80Q0)#=@YC$P1?F0GIR
M".15._\ ^)=XR\1>)EX.CZU:O.?^G:2VCCE_(,&_X!0!W5[XVL[3QM#X52UF
MFO);5KGS%("+@,0A)_B(7]15>S\=?:M(O=1.CW,<5I:6]XZ[U9FBE4LQ&.I0
M!CCOCCJ*Y/2(S>>.?"VNS+^\UN74KL!ASY'EQI"/IY:J?JQKU9X8?)D1HT$;
MKAQC (QCG\.* '0S1W$$<T+J\4BAT=3D,",@BDN)&AMI94B:5T0LL:XRY Z#
M/<UR'PRO4_X5YX=@N+A!/);,($=P'DC1B 0.IPNW]*Z#Q)_R*^K_ /7E-_Z
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M<KHVG:7%\8_$D_V6V2\^QVDD3[0'RWFAR._.!GZ"KWQ2_P"2<ZI]8/\ T<E
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MB!92Y'HI8'\*U=:\7Z-IEC:R^;'J#WDT<5K;6KI(\[,P *C."!UST&* .@W
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M)8)V5D7T!1U./]DT>%-5O;GXCZYK;M<W-O>:4UW:6D9SF))FCCV+TRZQAO\
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M[YT,\: Y7<5!5@< @COD5-9^,M9.H:*NI:%!:V6M BT=+PO)&_EF11*NP 9
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MNS?NW[MN,9W?-GUYKB(?B%K#Z!)XDE\/0QZ';S/'.XO"9]BR%&E1-F"HQT+
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M#[/Y.GVL?V9G>#9"H\IGSO*X'!.3G'7)KE_BQ,T'PSU>1))(R/(^:,D,!YR
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M0!272-,6"T@73[00V;![:,0KM@8="@Q\I&3T]:GBM+:"XGN(K>*.>X*F:14
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M[5CCX>ZQ_P (]XBLOM&EQW.HWUO>VRPQLD,1C,9\LJ!D+^[QD9SUP.E>E44
M<%?^!]1UF37;B]NK6VN=1M[$Q-;[G$-Q;EFS\P&5W$8[D9Z5<BT+Q#J_B#3-
M2\0/ID$>EK*T$%@\DGFRNA0NQ=1M 4G"C/)ZUV-% '#1>"K]/AYH?ATW%M]J
MT^>UEDDRVQA%*';'&>0..*Z;Q%HL/B+P[J&CSNT<=Y T1=1DH2.&_ X-:=%
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 44F1G&>?2EH **** "BBB@ HHHH **** "BBB@ HHHH *
M*0D#J0* P/0@]Z %HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M"#3&OFT2V:XDGDD$$9$LO"@#<<D^V,'Z5)I_AV2_\#:]X$,XMKFTGD6"1UW
MPO(9H7QW')4^Z-Z5TFDZ%J$'B:?7=1N+5Y[C3X;62.W1@H='=BPW$G!WC\J
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MGAR[\9Z3KJZP5CL;:XA:(V<^6,FS!!V=MOZT 5WM=1TGXGG3/"]E8QQQZ!$
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M:..)WU&\BD6&3?&62&525;NIQD?6NU\6Z\GAGPIJ6L/@M;0DQJ?XI#PB_BQ
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M2K'[5-XI&F[6+*LI>-/WCG)PW3) Q@=*MW/CC5/#4NNP>)(;&=]/TY-0ADL
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M:3\399=5T>&]U/P[>1ZI,L'V;39F:>T=@2N[+$.,C:2 N"1UH ].I"0JEF(
M'))[5YF_CGQ4OAN^\3"STD:987<L,L!\SSIHTF,996SA3CL0<D'IG%1ZA=ZK
M#XJ\?27#6=UI]OHL<AM95?#)Y<Y5?O8&<'=ZY&,4 >FR7$$7E^9-&GF'";F
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M'8Q?V5+:(DMU/Y:.)@I.X]CS@>IP.]:M]XJ\/:9.8+_6].MIA)Y9CFN45@V
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M[=ZPD\$:])'HEC=^(K>73=&NX9X%6S*S3+$?E61M^,@<9 &3R:V="\6VVO\
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M+268@CM$GQYW[X$LP)*=DP!AO7/I3-,\3:%K-S+;:9K%C>3Q#+QV]PKLH]<
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M CGM0J_O%E/F9C7&58D<YZ&IK*SBO+K08;F!98CXPU%RCKD''G$$CZ@5[(
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MQ+I-Q=6\*9,T2DF4 #J2J\COC%:2:SH&M_%CPU/HFR4I8W:27$<152,)M3)
MR5YX[;O>NZU6UMM=TZ?3%U"2"26-9%EM)@LL8W95U/IE?H>169IGAW[+XBCU
M'5==FU35([9XK=94CB$419=[*B 9)(4%C[#B@"G\4=J^!9YG7,<-W:2R';G:
MBW$98_0#-8MGKGA_2O&?B*_URYMHK;4X+:73KJ=<QSVOE %(SC!^;<2HY.X'
M!KTRD*@XR <=* .3^&EM<6G@6RCGAE@5I)GMX900T<+2LT:D'I\I7CMTK%TR
MPMFO_B+>/;1M<_:61960%@!:I@ _\"/YUZ/10!XI!-:Z=9>&KQ=>30M0;PW:
MQ%]2M5EL[N,+GRP200X).0"#@C@U#=Z=JOBFU\(6NG*F@7$VDZ@HC@C98RH:
M,*JYPR(^%/J%8U[@5##D _6EH Y[P5J=IJ?ABV^RV2Z>UKFUGL0N/LLJ<-'C
MT!Z'N"#7$^)Q(WBCQQIMHVS5=2T.'[!&!AYRJS;PA[G!Q^->KT8H \KN-4T'
M7&\&6/A<1O?V5_!(T4$>'LK=5(F$G'R CY2#C)(ZUS[1W,.F>';][I++3;77
M-3-Q<S6WGQ02-*XB=TR.,[@&/ + U[F  20!D]:7&1B@#PW5H(=1\-^,;R'5
M?[6@NI=/BFGM[(06TKB=,E"';>VT@,0/3DUUGB^]M=%\5:+;0C1]%06TSQZK
M?0%HXSE08HU#*H<@ Y)Z# KOH[VS<QI'<P,9&9$"R [BOW@/4C!R.V*DGE@@
MB\RXDCCC! W2,  2<#D^Y% 'AEA%'?V,L%P?M<4OC>V=B]MY*RHT:'=Y?96Z
M^X^M=%XTTZ[G\2>*K;1X2MU<^%4PL*X,C":08XZMMX%>JT4 >:7>K^'-=LK2
MQ\*VRW.KQ:=<I9O:C:=.S"5 DZ;,G:NT\Y[<9KF-&:WO-/\ ">E1^(8WN[2Z
MMV33+32 MU:NGW_,)D!11A@S$<Y/7->T0W]C/>36D%W;274/,T*2*73_ 'E!
MR/QJS@ DX&3WH \2U&_M]*GU*WTV]MKTMJS2OX9U6S'VEYC*"6A=#N()^96(
M(QC)KV'6)FM]$OYUMGNFCMI'%NAPTI"D[1CN>GXU<P,YP,^M-EEC@B>6618X
MT!9G<X"@=23V% 'A::JE[;^"EAU72I(X=4LV_LW3+(@6*DX(DD+,01G;SM))
MZ5O#3K5_A_\ $V5[2-II+W4F+,@+$JF5Y]CR/>O5TV%0R;2K<@CH?>G4 >7:
M?J.F:%XLO+OQ1)%#%?:19I8SW2Y1T5&\V)21]XL02O4Y'%;OPH6-?AW8B&%X
M81<77EQ.NTHOVB3 (/3 KLR >H!ILTT5O"\T\B11(,L[L%51ZDGI0!Y'XL5C
M-\0<*>;O1\<=?FBJ_/86\LGQ6GDMHWE>/9O9 25%FI _,YKU 8(R.0:* /,[
M:R@M;OX6_9[=(ML,BDHN#@V9)S]3R?>L/0KBVTW3?AQ?7[+#;1W6H1O+(ORJ
MS^:$!/;)Z5[)-/#;H'FE2-2P4%V !). .>Y-28!H \1DO[?2YGM=,O;;4%_M
M?S/^$:U.S O(Y3/DO&Z'/!)<,01M[]J]7\507MUX1UFWTTM]NELID@VG!WE"
M%P?7-:V!NS@9]:6@#Q+1GM;]?"&GP>(HIKFSNH'33K/2 EQ:[!^\$I,F47&5
M8D<YZ&D-_;Z7*+33+VVU%1J^_P#X1O4[,"]BE,^2\;H<\$EPS C;W[5[;@ D
M@#)ZFC SG SZT >/ZKJEGI@^(5G-907=TU]#.;2=6V^0R0+YK!>3&IY./2EL
MM0^W_$G1)AKEEJP_L^\C,VGV?E0)\J$1A]S;SP3C=QQP,U[!@>E1QS0M+)#'
M)&9(L;T5AE,\C([9H \1TF^T:^^%GAK0-(5!XC%Q:R16Z1D30R"56>9N,A=N
MX[NA!K3E5O/N/E/_ "/\)Z=MD=>O8&<X&?6EH \1U&_M]*FU&WTV]MKTMJS2
MOX9U6S'VEIC*"6A=#N()^96((QC)KJ-.TZUGU'XDS36L;R2S>4S.@)9!:H=O
MTR37HN!G.!GUI@GA-P8!*AF"AS'N&X*> <=<<'GVH \2L9+G3[WPIJ=[K-OI
M%J_ABVAMKV]M/.B$@YD3)8!&(VG)Z@8[58L(;>PL]#UBYGFNO#D>OW-U-+)9
M>1"F^(K'*L89L1>9DACC!;.!7M! (P0"/0T<$8X(Z4 >?^#KW2M2^)/BN]T?
M8]K+:V1:>)<),X\T%E/1AT&1W!IWCRYTVR\9^#+S5E7['#-=,TCIN2)O+&UV
M] #CD].O:N\EEBMX6EE=(HD&6=R%50.Y/84X$,H((*D<$=Z /*1I2^+/^$WN
M]"(^QSM:S:;<1KA)+V%2QD3U&X1J6'7!ZUN_#Z[?Q/<:CXSFA:(7PCM+2-QS
M'#$/F_.5I/\ OD5T^M02WEE_9]IJ[:7=3_ZN6)4:3 ^\%5@1T[XXZU-I&E6N
MB:1::99*5MK6(1IN.20.Y/<GJ3ZF@#F?B!=:1'%I]MXDT@76@SR-Y][\Q^Q2
M ?NV.T;E!RPW C'XURVDS;]:N=.\"Z]J&J:9+IMSYXGF::*TFV@0^7*W())/
MRY/ S7KE(%"C"@ >@H \)TCR+K0O#.C?\)!']NMKFW*Z7:Z0!=VTR$%RY,@*
M@$-N<CD$GG-=%%IUK)X.^)\TEI&\TE[?Y9D!9@L*E>?8Y(]Z]4P,YP,^M+0!
MXMK=IJ%_%JL-C'-+<R^#K+Y4SOD'FN74>I*[ACWK<N=5T+Q#X@\'Q>%&AFN+
M*Z\R4VT>/LEKY3JZ2<?)DE1M/<=*]-I  ,X &>M '$_"FPMK;P-:7"6T:7$L
MUR9) @#M^_<<GKT _(5!XVTN'6O&WAK3;E28+JRU*&0XZ!HD&?K7?44 >$:G
M-?\ B#P)KFH:E#(+C1;&+1\,#\UP)D,[CZ[8N?K70ZSK2)XP\1VIO-,T63;%
M&RS69N;O4E\OCRU+ %>2H"JW.<UZM28!(.!D=Z /'?!5K%=7?PX-Q")#!HMV
M5WKG8X:->_0CD4E[=1:19>(1]BLS WBY0);M&-O9YBC;SG52,@,/4#+#)KV2
M@@$8(XH \*OOM^N:SXHCTW5(]7NKGPWL2XLK7R(YBLOS)'@G?\IQG)Y;':MZ
M\UOPUJ_BSP''H<2F6WNG3Y+<I]G3R'_=-D#!R!\O^R:]-U"QCU'3;BQDDEB2
M>-HR\#E'3(QE6'0CL:P;#PC/'J]CJ.K:]>:J^GAA9I-''&L99=I=MBC>VW(R
M?4\4 >36Z%?!EQX>U3Q!'!JCW3B?2X]*$E\]P921(C&0%R>&#],=^*[:/3X)
M?$/Q(EN($FF-G;Q&1T!)'V7D?B:]*P,YP,^M+0!Y58V4-KHOPJ>"W2-P\99E
M3!^>T<MD^YY/K7)VZ%?!EQX>U3Q!'!JCW3B?2XM*$E\]P921(C&0%R>&#],=
M^*^@:3 SG SZT <%H>FV\_COQR]U;QS2-'9PL\D8.Y?LXR/H3U%<SX<NH+&+
MX5W5^XBB:PN;822#CS&$0C7/8G!Q]*]DJ.*:&X3?#+'*@8KN1@PR#@CCN#0!
MSGQ#NELO NIS/I\=^@5%>"4,4P74%G"\E5SN('8&N%L]0^W_ !(\/2KKECJR
MBSO(S+IUGY4$>8U(C#[FW'Y2<9XQT&:]AI  !@  >U 'CMEI]O;_  =\$/#:
MHDJZCI\NY4PP=IUW-GU.32WM_HVEZ!X\TC7U0:O>75W+'!)'F2Z1E_<-'Q\P
M P./NE3G%>Q4F!G.!D=Z ,KPN,>$M%!Z_88/_1:UK444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M5PGC:/4W\:^"ULKV&!&NY\+) 9/F$#DDX89^7( [$Y]J[NL'Q'X=FUJYTJ\M
M-1-C>:;<&:*0PB56#(492I(ZACSGB@#SZPOO$VD:+XRUK3;G3DLM.UB_G-M/
M;L[W 5]S@N&&SC@8!YZUK:S\0)7\12Z7:ZK9:/%;6L,\DUU:/<M*\B[@BJI
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MKDL)EU&9M\J3!]X<=AA@,*, #B@#FM2^(E];V+W,;6<$-]J[V&G7$T;LB0Q
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MW=Q%+%9V7C.YED*Q,1%%OG ; &=N6'YT >DZCXO\/:3?K8ZAK-G;7) /ER2
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M2XB=GB(\J95A4@Y'!^\/SI]KJFF>'%\7Z9KUM*;V^O[B:*'[,TAOH9% C5"
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MS 8W,#SGJ<8S0!ZA4-M=VU[#YUK<13Q;F3?$X8;E)##([@@@^XKB8+CQ1?\
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MCO\ [7N3S$F10N<!=K*<<J1C''I6II/C+0-:O_L%CJ*2W7EF14V.HD4=60L
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MX(D^UZ@^DZ_?:5;:D_F7=O D; N0%9T+*3&Q &2/K7744 065I%86,%G#O\
M*@C6--[%FP!@9)Y)]ZGHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ K@O'%_;Z7XW\&7ES;33Q1R
M7F[R8C*R?N@-^U02<=\#IDUWM9]YHUK?:OINIS>9]HT\R&#:V%_>+M;([\4
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M\Q)?W:J4<!6VL"N 6P,$4 =WJ'B[1M/MK&8W$ER;]=]I%9PO/).N 2RJ@)(
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M,4+9V/$A5N&/!8*>*S+O1=6N;#QWY-AKMPM_868LY-0C+37!1WW< #;C/W<
M@<X&: /2]'UB[O?&/B33)F0VU@+7R %P1YD99LGOR*R[GQRFE>.=6TF_%Q+!
M#:6\UO#:6;SR?-O\QB$!.T83D],^]7-!LKJ#Q[XLNI;>5+>X%GY,K*0LFV(A
MMI[X/6LN:^N- ^(^N:A/HFJ7-G=65K'%<V=HTWSIYF4PO/.X<]!@9(R* .AN
M?&.AV^DV6I"\-Q!?G%HMM$\LDYQG"(H+$C!SQQWQ5O1M=T_7[:2:PE<^5(8I
MHI8VCDB<<E71@"IY'45Y6/"VL:=!X=U:Z@U:"*.6_>Y@TK#W%F+B3S$PH!W
M 88*"1FNQ\!Z>8KS6]3^S:Q&MY)$JSZM(/.N!&I&[R]JE!S@9Y( Z4 :USXS
MT6V\0C06FG?4=Z(T45M(^S> 59B 0J\CDG'ZU#!X]\/W%]';1W,YCEF^SQ79
MM9!;22YQL68KL)SQUY/ JGINE73>,_&DS0R01WL-I'!<%" V(F!VGO@FN"T[
MP_=_\(WIWAF\LO%LM[$\4,UJ'$=BH1P?-$WEE=@QN !+9P,=Z /2;[QYH.G7
ML]O<37.RVD$5S<I:2O! YQA7E"[5/(SD\9YQ3M1\<:)IFIW&FR/=S7MLJR30
MVMG+,T:$9WG8I^7'>N&\06NH6FJZU+HMEXCT[5Y9R\$-K%]JT^_) Q))N79&
M3C#9*D8[UH6.O2:+\0_%)NM(O[N22"Q+/IULT^)!$?D('(!).">.N2* .NO/
M&.B6=A87?VIKE-0&ZSCM(7GDN!C)*H@).!UXX[U&?'7AU=$.KR7YCM%N!:R&
M2)U>*4G&QT(W*>>XKB=!T?5?!UQX?U?4-+NKB$6-U;W$%G&9WLGEG\Y?D7)8
M8^0E0<8]*2[T?5-5N+[61I-W#!J'B'39HK:6(B40PE5>5TZJ#@GGG YH [>Q
M\;Z%?"^S//:M8P_:+A+VVDMV6'G]YAU!*\'D4ECXTTG59I+6WDN[:Y-NUQ$M
MY92P^9&.KH'4;@,CI6+XDTJZNO&6H3C1GU*UD\-RVYA+&-)W,V?*\S'RL1G%
M9&@Q:NNKPV^F'Q'-I!LYQ=0Z[:D-;-L^18I&4,QSP0"PP.O2@#0A\>FSU?0(
MKJ\:_L]0T9KE7M;%S)<S;T *1J"P!4N<=L<]*T]2\91W%IX?O-#N%D@O=9CL
M;@21D,@(?>A5@"K J.HS7+:#'J'AR[\(7MYH6IS0V_APVMR8+5I'MY"\9P5
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MB"V1CK@XK>\/S7&J?$?5-7&D7]G8OID$$4UW;M"9F620D[6Y&-V,'!P,]"*
M-[6/%&FZ)=16<_VJ>\E0RI;6=K)<2[ <%BJ D+GC)JN?&^@G1K75(KF6>&[E
M:&"*&WD>:21<[D$87=D;3G(XQ6#XIEU1?&2))_;5KI)LE\NXT6R$TLTN\Y21
M]C%% P1T').:YO3]&NH/"D*ZKH>OH\>MW<WVFTE;[=9A\E9%V@F4$-M8C(Y)
MYH ]"7QOH+:/)J7VF81QW M&A:VD$XG.,1>5MW[SD<8]^E26OC+0[G3[^]>Z
M>UCT['VQ+R%X)(,C(W(P!Y'3CGM7"BVU>]\-WBZMIVM:II\6IPO97)C^RZE'
M&$YG"*H9F5N!D!B"?I52ZTCQ+KGAO7;.!]7O+"*6TGLGU*!;:\G,;[I$&54G
M  VLZ]?6@#T33/&6C:I/+;I)<6LT<)N/+OK:2W9HAUD7S ,KZD=.],TOQOHF
MKW]O9V\ETDETK/:-<6<L*7*@9)C9U ;CGCMS7'V&G'5?$$%U'I_B?4%M+.XR
MVN/]FC#2)M\D*8P7W=R.!@')Z5#X:AU6TUG1K?1H?$45DN1?:?K4!:"S0(1B
M*=ER<-@ *6!'7 H [.S\>:#?WUO:PS7(6ZD,5M<R6DJ07#C/RI*5VL>#C!YQ
MQFH)_B1X8MYY8Y+R<)!<M:W%Q]EE\FWE#[-LDFW:O([GT/0YKC-'M=5T_4=*
MM]"LO$6GD7JB\TF^B\ZPMX=QWF*9EP,#)7:W.>G6K=[H6HO\,?%MDNFW#75U
MK-S-'"(CNE0W08,!W!49SZ4 =KI?C/1=6O+BU@GFBFAA^TD75O)!NASCS%+@
M;D]Q4>F^.="U6^M[6WFN5-UG[++/:2Q17.!D^6[*%?CG@\CI6#XS\/ZCK?B6
MXALXG5+CPW>6BSX(02N\>U2W;.#^&:Q-*TR:_NO#MI+9^+Y)[*YAFGBOV$5M
M:&,=0_EXDYX"J>0>HH [!_B1X921@;JX,4<YMYK@6<IA@D#[-LDFW:IR.YZ$
M'H0:?8>+C>?$#4_#9MIECM+>)XY?LT@!=M^[<Y&T+A5VGN<X)[<M-HFHGX.>
M)-/73KC[;<75X\< B.^0-<,5('4Y&"/:N@L4N;'XIZD\MC=FWU#3[98;I(2T
M0:/S2RNPX4_,,9ZYH V]:\2Z;H,EO#=M/)=7.?(MK6!YY9 .I"("<#N>E<OX
MK^($,/A2WOM N)6FN[V.S$PL9)3;L757#QXR' /"-@D] :M:U]IT3XA6_B)]
M.O+W3Y=,-B[6<#320.)=X)1<L58'&0#RHS7.RZ/JM[:7NJ#2[J!=1\365Y%:
M-'^\2&-HE,CJ/NYV%B#T'6@#L=9UVX\.?#ZXUF1I;ZYM[(RJSVK(9'VY!>-1
ME!G&>FWG.,5B#XAB+Q#I4=RER+*]TAKE;=+"4SO.)57"Q[=^,;STQCG.*Z7Q
MI97&H^!]=LK2(RW,]A/'%&O5F*$ #ZFN=T".YOO&NCZJVFWUM;IX>>W8W5NT
M9CE$R?*0>A(4D>HYH WU\:Z WA]=;%Z?L;2^0!Y3^:9<[?+\O&[?D8VXS5G1
M?$>G:\UQ':-.EQ;$">VN8'AECSRI*. <'L>AKS34/#>KM!-?"UU-8[3Q5=7C
MQV8VSM ZE1+$"/FP3G@<C.*Z3P;8>9XIOM66#7VC%HELMYK+>6\OS%BJQ%%8
M!?[Q_O$ =Z -#7=:U:Y\4V_A?098+:Y:U-[=WL\7F""+=L4*F0&=FSU.  >M
M3Z3_ ,)1INLO::Q<0:GI;0&5-16)8'A<'E'0-@@CD,!Q@YK/UV&^T'QS#XIM
M].NM1L9['[!>16:;YHBKETD"=6'S,"!ST-1W-_KOC(:C86&G7.F:/)IT\#3Z
MC;M#+-.Z[4V*?F55Y))'.<#UH U+'Q]X?U"]M[:"XN MTYCM;F6UE2"X?^['
M*RA6/!Q@\]LU%=?$;PU9W-Q#+=SXM9S;W4JVDK16SAMO[QPNU1GN3[]*YB9]
M0UWPQH'A>+P_J=G?VL]G]IEGMBD%LL#*699?NOG9A=I).>U%]HFHO\._']HF
MG7!N;W4[N6"(1'=,K%-K*.X..#[4 =A8^.-"U"ZGMX9[A)(K=KH>=:R1B6%>
MLD991O7W&>M1Z;X_\/:K<6<5M<7&R].VUN);66.&=L9V+(RA2W7C/4$=163X
MLL+EO$=A=QVTAM8-$U".254.U&98]H)[$X./H:Y_2KBZ\2^"O!NB6>BZA;RV
M[V-Q-<RVY2"**+:^]9/NL6 X )/S<XP: .TO_B!X?TZYN8YIKMHK23RKJZBL
MY9(('[J\BJ5!&1GGCO4^I^-M$TK47TZ62YGO4B6?[/:6DD[F-LX8!%/'RG)[
M<>HKS?Q!!X@U31/$MC<V_B/^T9'N5M]/L;01631DG:YE"_O,KR07R3QMKM/#
M=A=1>.+V]FM)HX9-&L8DDDC*@L#(67)[C(R/I0!MV'BO1=3ETZ.SO!*=2@>X
MM"$8"54(#\D<$9&5//MQ4,^JW&I:G#!HEQN6RU#R-3S%E0OE%BH8]P2GW<\G
M''..$:PO- ^&&FZY):20ZAH&HW%Z(9!L9X6N)!(G/3=&^1ZX%=WX*TJ?2/"M
MK'>?\A"XW7=ZW<SRDN_Y$X^@% $47CS0)M0BM$GN=LUP;6*Z:TE%O)-DC8LI
M783D$=>2.*U=:US3O#VFMJ&J7 M[171&D*D@%F"C..V2.:\OM[75K"_@BT&Q
M\0Z=>'4 9]*N(C<::L9ER[I*RX4%26&T@Y.,5VWQ"L+C4?#<-O;6TEP_]HV;
MM&B%CL6="Q(]  2: $M?&-A?:K%,FHO;67V">YDMKJRDA?$;J#*68#"@'ICG
M.>U6M+\::/K%ZEG;M=Q3S1&:W%U9RP"=!C+1EU 8<@\=C6/XDTR[NO&IG326
MU"U/AZ\MVB9BD<SL\>(B^,*6 -8WA:/58/$6EP:8/$?]DB*07MMKEL=MH-GR
M+%*RAF.[ P"PQ^% '0^$?&46I>'/#C:G<!]8U6W\T10Q$D@9RY"@[5'J<#-:
M/C;Q#)X5\(:CK$,)FFMXB8D,;.N[MNV\A?4\#WK@/A]X=U;P9#H-^UG?3QZK
M;)::E%+&6FLI%+&-@,96/DJ1T'!]:W_$GA#5(_ _B*WAUO5]:N+FQ>.*WNFC
M;YNORA44Y.,4 ;D_C;2;:*T#IJ$MU<P^>MI#83/.(P<%FC"[E&>,L!GM5.?Q
MA'>W_A271KE)=/U6[FAF9HR&PD4C8PV"I#)SGTK!U'4M4OM=@FDM_$FFZ3+8
M)Y)T[3<W$DH9@R3,49HP."!\H.<YK L_!NHZOHN@:3J%GJUG'_;5^UTP8^;'
M$Z2$%I.00VX*6Z')YYH ]&N?%=C>6UC<Z;JBQV\FJ1V7G-:NZ7!R040\#!(Q
MO&5&*CNOB/X:LYKF.2YN66TF:"[ECLY7CMF#;3YCA<*,^I]^E<W]EUN70] T
M:[TR;[5HFO6D;S0P$136Z9VS+@8 VXW#^$YZ<5.NCWX\ ?$"U^P3_:;V\U)[
M>+RSNF#KA"H[YXQ0!U>K>+](T>\CLYY+B:Y>+SS%:6TEPR19QYC!%.U?<U=T
M76]/\0Z7'J6EW N+.1G5)0I 8JQ4XS[@UQ.G/>^%_$U[=S:3?W\.HV%F%-E$
M)'@DB0J8W7(*YSD$\=>:T?A2S/X MI'A$#/=WC&($$)FYDX!'!QTH NWGQ!\
M/6-Q/'--=&&WF\B>[2SE>WADS@JTH7:""0#SQWJSJ_C'1]%O39W#W,URD7G2
MQVEK).88_P"^^Q3M'!ZUY?X@MO$.K^%M=LKFV\1G5G><)IMG:"&Q";R0PD"C
MS,KS]XEB<8KKK:ZN?"WBK7;VZT?5+RWU:.VFMI+*T:8Y2((8G Y0Y&06P/F/
M- %Y?'EO<^-;;1K0/+8W&F&\CNX[:1U9BR[2& V[-I.3TS@9!XK1\,^);/5+
M73[0ZDMY?S6"WOFK;M"LT9;;O53TY[9R,CUKF[>/4[;QAI%[=Z#+:I=:$]FT
M=E$9(K68RA]C%1A1COTS66NE:[HWP[\):QIFEW$FN:3:FWDL_+(=DE3:5*]?
ME<1M[;30!V4OBNRGU:P2SU+]R9[N"6 6CNUP\*$LJ,!QM(/(SNQ@5DZ#XZ?7
M](T>\DF.GRW.JO:-&]C)MG4&7;&K-T.U 2W(!4@X/%);^&;C1=5\ VD$,DT6
MG+="[N%4E0[PG+,>VYR>O<UB:18:F-)\,Z;)I.H13Z7XEDEN&DMV">6QN6$B
MMT9?G7D<9(H [6X\>^'[6^EMI+F?9!-Y$]TMK(UO#)G&QY0NQ3D@')X[XJ35
MO&VBZ->SVMR]V[VR"2Z:VLY9DME(R#(R*0O'//;FO,H_#][8:!?>'+VU\675
MV\\\:VUH0MG=))(S!_-V%4!#9;<<@YXK8\0Z?-8:S>R6=KXFT^_-M$L%UI:F
M[@ORL>T"9"A4,I&WYL9'.: /4H)HKF".>"19(I5#HZG(92,@CVQ4E9^A'4#H
M&G'58XX]0^S1_:4CQM63:-P&..N>E:% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%<;X[GUN"33
M#IZZHVF;I#?_ -DB-KKH/+VA^JYW9V\]* .RHKRPZ]J=_H>@VVE^)[AYKC76
ML)[F:S6*XBC\J1C%(C#'F !>< $X./5=?\2ZQX(;Q!8)?3:IY.FPWME+=JK2
M0O)-Y)5BH 89(89]"* /4J*\RTS5M?TW6[(A/$M]8RQR_;_[5M8XU0JA97C*
M ;?F&-O(PWM5SPY'K^I:)HWBB;Q0Z2WK1SSV<JQBU\ES_JD&W<& ( ;<22.<
MYH Z:Z\7:#9:4=3GU%%M/M#6H<(S%I0Q4H% R3E3P!V-7=+UBPUF&6;3[@3)
M%)Y4GRE2KX#;2" <X8?G7E-V;_Q!;>&9[G6+V*3_ (2BYM5,/EC:JF<*PRA^
M8!<#M@G@GFM1_$6M2-=:7#J+PRW?BE],CN]BEK>!85D.W(QNX(!(/WO:@#U"
MH9[JWM?*^T3QQ>;((H][ ;W/11ZGVK'T.PO]*U"\M;G77U*V9$D@2ZVFXBZA
MLE0-RD@8XXY%8/Q*L9+RY\)!+^ZM<ZW''F H,%D?#?,I^88X[?,<@\8 .\HK
MSRV_MSQ0WB&_A\17>F_V=>S6=E! D?E@Q #?*&4E]QYQD8'2NJ\):Q+X@\(Z
M3J\\8CFN[9)9%7H&(YQ[9Z4 7+K5]/LX[U[B[B06,/GW(W9,4>"0S <@85OR
M-6H98[B".:)@T<BAU8=P1D&O)-<L)$U?XHSG4+MU71D)A8IL;=#-@'Y<X7''
M/<YS6KIXUCP_>^#'DUZ[O8M5_P!&NK69(Q$O[AG4Q@*"N"N.2<CK0!W^GZC:
M:K:"ZL9UF@+O'O4$#<K%6'/H01^%6J\G36/$U]X9TJ[6359[,WM\E^VE+$;O
M:DS+%M##E1@YVC/ KL_ VJ#5-!=O[6FU)H;B2%I+FV\B>+!R(Y5P/G (R<#/
M!Q0!=UWQ5HGAHVXUB_2U-SN\D,C,7VXSC:#TR/SINB>+=!\1RRQ:3J<%U+$-
MSQ+E74>NT@''O7,>.+F^M/B!X+FTW3Q?W06_VVYG$.X>6F?F((&!S5?4!X@B
MU.[\<:II-KIPT;2+D0VL=SY\EPQ&_P"=@  @V\#GDDT >DUEIXCTB1HU6^0F
M2\>P08/,ZYW)TZC:WMQ7%2S:]X>TO0?$$WB*ZU![VZMHKVTE2/R66<A?W050
M5*E@1R<@<U1T?4;NPDM8[:8QI=^-+V"<  [T_?-CGW4'CTH ]7HKSG17U[Q%
MH7_"5+XFDL97NI#%:2+']DCA24IL<;=Q)"G+;@03QTJ.^\3:QIUMXAT#[67U
MLZA';Z7*RC/E7/,;=,'RP)<_]<^: /2J*9$ACA1"[.54 NW5O<UX_P")?$VI
MP6&MZOINN:Y=7%C-(83962+I\2HV/+=G7]YC!#,&//3TH ]CHK@#_;'B/QQK
M&FIK][IUA:V5I,B6:QA_,D#_ ,3*>/EY'?C\<O0]?USQ5#X8TF759K*2XL[F
MZO;NU1%EF\F41*JY!"Y)W' ^F* /2;74K.]N+NWMIUDELY!%.H!_=N5# '\&
M!_&H-:U[3/#UDMWJMT+>%Y!$AVLQ=ST554$D\'@#M7+?#ZUN+/6?&%O=7C7D
MR:H@,[J SCR(]N[: ,XP#@#D&H_B)ITM[K?@_9J5Y:[M5\L" I\I\F4[QN4_
M-QCTP3QWH [N&9+B".>(DQR*'4D$$@C(X/(JI;:39VFJWVI0QE;J^$8G8L2&
M\L$+QT'!/2N$AEU[7]*U[7X?$5U826-S<PV5K$D?DJL!*_O0RDL6*DGD8!XI
MFF:GK?C#Q/8K'K%SI=C)H5GJ;P6RIDRNSY7+*?E('([X'3F@#TRBJNI2O#I5
MY+&VUT@=E/H0I(KS6TOO$&F>#O#7BNY\0W5]/>/9K=VDB1^3)',57"@*"'&X
M'.>2#V.  >J45Y3)K6O6FF>+_%$FLW$J:/?7=M::?L00L!PIDXW'!8'@CA?<
MUK7:ZUX5O/#]Q-XBO-334KV.QO(;A8PNZ16(DBVJ"FTCIR,?3- 'H%5;+4;3
M41<&TG67[/.]O+@'Y9%^\O/I7GUKXDUFXT_3?#1O6'B#^UWL;NX"@-Y$)\UY
M0,8&Z(QCIUDJ%?$.M7UU_8L6I26SWWB6\LOM:(N^&WB0OL3(QN., D'J: .^
MO/$.DZ>]\EU>I$UC MQ<@@_NXV) 8\=]IZ>E:2L&4,IR",@UX_JW]I^&-1\>
M3QZO/=7-OH=M+;7,RH94&Z7 ;  8@YYQT(KH(TUKQ%XRU_3AXBOM/LK&WM'A
M2T6,-YDD;$DEE/RY7..^: /0:*\MT+Q!K?B^/PQIDNJ36#7.ERW][<VBHLDY
M218@JD@A<DEC@>PQ71>"+K5'O_$MAJ>IOJ!L-06"&5T53Y?DHP!V@#/S<GUS
MTZ4 =5-=6]O)#'-/'&\[[(E9@#(V"<*.YP"?H#4U<%X[L)+OQ=X+V:A=VV;^
M5/W!3@^1(=PW*>>,?0GOS5&*XU[7="USQ-#XANK"2SGNELK.-(_(1(&90)05
M)8MM))R,9XZ4 >EU5N-2L[6^L[*>=4N;PN+>,@YD*KN;'T'-<'I&JZIX]U21
M%U6[T>SMM-L[DQV6P222W$9DR6=6^51P .ISFL_3=7OM5\3>$5U&5)[RPU35
M+&2X50HG,43*'P.!D8SCOF@#U:BO*-%UK6K/6M,C\1ZIK6GZA/=>5-'=6D<F
MGW6[(5(9$'R'[NTDYXY!S7J5S"UQ:S0K-) TB,HEBQO0D8W+D$9'49!H SK_
M $_2?%FCK%*RW-HSB2*:WF(*NC<.CJ<@@CJ#3-&\,:?H=Q<74!N;B\N%59;J
M[N'FE95SA=S$X49/ P*\T\'RZE%X3\%Z!9ZO=6ZZP;F6:YPC/#'$,F.+*X&X
MD')!(YKM?#MWJ%CXPU7PU>:A-J,$%K#>6UQ.%\U%=G4QN5 #<ID'&<'O0!U]
M%<SXWU)M.TBW$>JRZ>]Q=)#NM[<SW$H.24A3!^<XZD$ 9-<=8:UXF^T^)M)T
MJ?5)9X]-CNM/&M1QI,LC,ZG& !@[>-XZCTZ@'J]!.!DUYEH6M:C]LO["WU36
M4U-M.EDM]-\0VBHQG7I(DJ@*4R0"HSUSQ1X4UJ^C\06-EJNJ:];7MQ XFL=8
MM$\NXE"Y+6\L8"@##'&3D=N] 'H>G:C::MI\%_83K/:SKNCD4$!AZ\U)-=6]
MO+!%-/'').Y2)&8 R, 20H[G )^@KR>UUGQ-?>%_#&H3RZU-IT]@SW<NBQQ-
M<^?N^4LI!)3;G[HZ]:?,[^(+OP!<IXEN[I_MUS"]S% L#;EBE/S(RG:X V-V
M/) &10!ZW12.P1&9B%"C)). *\;F\3ZI!;Z?K%IK6NW[27\,<LQLEBTV2-Y0
MA5 RAL8. P).1G- 'J+^(](C>1'OHPT5XEBXP>)WQM3IU.Y?;FM2O'K_ /X_
M]5_['G3_ .4%>O2R"*%Y""0BEL#J<4 /HKR<ZIXAC^'2_$ Z_<-<F,7C:=MC
M^R^46_U(&W=G:<;MV<U??4=9D\0^+]2;6+M;#0&66#3XD0++_HRR,CDJ21GH
M 0<D^V #TFBO+IG\1:?HWA;7#XINYY=4O[);RW>./R2DS*2L0"Y7 ..IR,]Z
MJ>)_$&H+'XBOM/UW79[C3FE,(TVR065OY:YV2NZX<@@[L,>N .,4 >N55N-1
MM+2]L[.>=4N+QF2W0@YD*J68#Z*":X5+C6?$OC$:>NN7>FV)T2UO72S5 YE=
MI!PS*V!QS]![YJZ'XCUF]_X0V"ZOV>2XO]0L[N5453.(4F",1C@_(IX[T >G
M45YO8P:M?^-$L])\4ZQ<Z;IDH.IW%P86C=QR+=-L8RW]XY^4<=3QA>)/$^IV
M^FZQK.FZYKEW<6<\AB:TLD73HU1\>6S.OSX (+!B<]* /6KC5+&U^U>==1*;
M2'[1.N[+1Q\_,0.0/E;ZX-36UQ%=VL5S X>&9!)&X_B4C(/Y5YC=I=6GC/QQ
MJD&IW:2P:%%<)'\A3<4G*@C;G"D9'/4G.:N:5>:OXMU2+33K5WIUM9:19W,K
M6@19;B:92=Q9E.%&WH!U/X4 >CT5Y3'K_B+4'TC1QK#07*Z[=Z5<WL42;IXX
MHF8/M(*AL8[8##IVJX=8U+0T\8Z9<>(W$>G+:O::A>PB62+S@<J511O.1\HQ
MU(ZT >DLP1&9CA5&2?:J^GW]KJNGP7]E,LUK<()(I%!PRGH>:\VTK6=1@\86
MNFBZ\03:??6%R[C6X$C)>,*0T>%5A]X@@@#D8]NH^&G_ "3/PY_UXQ_RH ZJ
MBN9TS4KR?XA^(-.EG9K2VM+.2&(@81G\W<?7G:/RKC=,UKQ!KEGX*MAK<]LV
MJ/J N[B)$+LL3';MRI .!C.._K0!Z=J&HVFE6HN;Z=883(D>]@3\SL%4<>I(
M'XU)'=6\UQ-!%/&\T! E16!,9(R P[9'->8W>MZWI&G^(=-.K3W3Z9K%A!!=
M3*AE,4S0LR-@ 'AV&<9YI(;/7+76?B-<:'?W,VI+-"L$4ICVDM%&V1E0-RKE
M5R<=,YZT >H7-O'=6LMO,,Q2H4< XR",&J._3/"N@01R2"VTZRCBMT+DMM7(
M1!GDGD@5R?@O6'E\0SZ=/JFMB0VOF_V;KEHJ3A@V#(DB@*R<@$#///%;/Q U
M&[TKP9=7EC,8;A)K=5< ' :>-3U]02* .FHKS68Z]K&I>,V3Q)?6,.DSXLXK
M9(\!O(1_G+*2RY/3CJ?;':>%]1FUCPGH^I7.WS[NRAGDVC W,@)Q^)H 76?#
MMAKTEFVH>>\=K)YBP+,RQ2'((\Q0<. 5! .:U:\XU%]<U7Q+XP@A\0WEA:Z3
M!!+:QVR1_P"L:$L=Q922N1TXSD\]*KZ7J6O1#P3K=UKEQ<G7G1+JS:.-8%5X
M&D78 N5(*CG)SS]* /3Z*\8UWQ5J=MI=]KNG:YK=[-;W)*R6]DB:8$$NWR\N
MH+C'!8,3NZ5U#Q:UX@\:^)]/3Q%?:=9:>ML;=+18\[WBR2Q93E<C..^>M '?
MT5Y7%XJO=7\->%9+K6+^"YOK-IKBVT>T\RZN"N%W [2(TSDDX&20 :@T_P 4
MZ]/H[:5]NO(;F;Q&-)CO+N*/[3# 8A+\P V&3&5!QW'&10!ZK>7<%A93WEU(
M(K>WC:65ST55&2?P IT$\=S;QSPN'BE0.C#NI&0:\TU2[USP[JWB'3UU^[O;
M:#PS/?VQN5C,D4H) )(4;L8XR.^.<5-8R:WXC\3?V<?$%[8V::)9W3_9%C$C
M2OO!.YE.!QR .PZ<Y /2:*\LTG7]=\06GA?1I=5EMIKPWQO+ZW1%EE6VD\L!
M<@JI;()(';CK70^#Y]4C\3^)])U#59=1BL'MA;22JH=5>,MAMH )Z<]\9H [
M*BN5\8:A?I?:#HNGW;63ZM=M%+=HJL\<:1M(P3<" QV@ D''/%8'B74-=\(:
M:UG!K<^HM?:A;6MJ[1)+=VJR!BYP %<G8=F1U/.<4 =7JWA#3-7U$Z@\E]:W
M;Q"&66RNY(#*@)(5]I&<9.._-7K6#2_#NFVEA (;*T0K;V\9; +$\*,\EB?Q
M/->>QZSXATZ+7$B_MYM/31[BYBN=7@C62"X1<C:R@!E(YP1P5]#5'5](U6YT
M/P=?ZAXGU.:XU#5+.1E41*D+.C',8V<8[9SWSG- 'L%53J-H-5&E^>OVTP&X
M$.#GRPP7=Z=2!7FWB36+UKW7/L6NZ]--8 K#'I-FA@MF6,$B>1UVNV>2-W X
MP#3SXKUBXBCN?M7EM+X+?4RJ*,"X^4[QQVR>.E 'J%%>:6MQKVEGP9JMQX@N
M[TZU-%!>6LJ1B$"2!G!0!05*E1W.>]>B7KM%87,B'#K$S*?0@&@!E]J-IIJ0
MO>3K"LTR6\9(/S2.<*O'J:M5Y-IU]XA@\&>&M>N_$-W=7.K7NGI+$R1B-$=P
M&"@+G)4\G/7)&*=J&M:WI>MW<^MZIK6E(E^?LUREHD^F&VW@*K[1N5BO!+$$
M$]>U 'IMMJ5G>75W;6\ZR36;B.X0 YC8J& /X$'\:M5X[-KM_9_$'Q!H]J\N
MGV^HZO;Q3:OL#+!FV3;&N>-[E< D8&1U)%:WBR]UW3]=O#<7>OVNDQV\?V*[
MTJ".XCC<*=[7";2YYQ[8]Z /3**I:1=I?Z-97:74=VLT".+B)=JRY4'<%[ ]
M<=JNT %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !
M1110 4444 %%%% !1110 5BZYX:M=<N+2[:YN[.]M-P@NK.4)(JMC<O(((.!
MP0>E;58?B'Q7I_AJ2SBO([N:>]+K;PVL!E>1E )4 =^?YT <UKW@!'M=#LM/
M%Y*HUL7]_=FYQ/GRI%,I?(^8'8!@=AQBMZV\$Z3'::E!>FYU-]3017<]]+OD
MD0 [5R  H&21M Y.>M0W/CS3;>4PI8ZK<RQP)/=1V]FSM:*Z[@)1_"V.=HR?
M:H?^$H$_C+3$MK^-M$N=&GORX VMM>/:^XC( 5FX_.@"UIO@FQL-3MK^>_U/
M4IK1&2T^WW'F+;AA@[0 ,DCC)R<=ZAMOA]I%K<6^VXU!K"VG^T6^FO<9MHI
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M>>>3?)-(V,LQ]< #C P!67?>.],L;JXMQ::G=-:(KWC6MHTBVH(W8D(Z'')
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MW#"Y.2 0<5GOX/UN33O&B6VB75NFJ16/V**YO1/*_ENV_>[.V&YSC<1@X!H
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MX:[E@"P[T;:4#9Y;OP,>^014NN^++30M3L=,>SOKR^OTD>VAM(@Q?9MW#)(
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M"T08RN=ZM(Y)X)R/E/?-6- NM1O/$/@275IHIKT66I(\L<R2APK1JI+(2I.
M,X[YH ]2HKBO&R37?B3PGIJZE=V5M>74Z7'V:=HC*JPLVS(/<C'J,\8-<IX@
MU?5/"R^*-&TB]O);>)K#R));@R26AN'*.HDD)(X (W'Y2V: /8**\KM$UO1M
M<2*.UO\ 3K*YL;GSX=0UI+IW=$W++$"[.&!X;;Q\P.!BJUGI&J-\.=#U"UUJ
M^NM3U5;62Y@NM6>%KM-A8PQ-GY&((Y')"')ZF@#UVBO&[[59;/P?XCL;:ZUW
M1K^VN+%C!?W/FM9K),B[HYMS%T.&X)]1C!K:UAKCP/X@M5TB[OKM+O3+V:>V
MN[J2XS)#&'20;B2I).TXP#D<<4 >E45XQI,GB*/3_#^N10ZBMU=36[W-]>ZW
M&UO=I(1N00E]JY!.P*H(( K9L+0^(-*UOQ#J7B+4--N[;4+F..9+MTBL8X9"
MH4Q9",,+EMP.<T =U<^(-/MEU/#RSRZ8JM<PP1,[KN7<H  Y)'.!6FIW*#SR
M,\UXUJD']G#XHZI8WMZES'#"T4J7<N!O@1RP&[ .>A_A' P.*W=<\17OA#5M
M:5YIIQJ>GI<Z5'(Y8"Z!6%HESZL\38'JQH ])HKR.ZAUEO$UOX8ECU;5K?3-
M)@D=;?5/LKSS.6#3.Y=6<97 &<#\J ?$U]X>T^SFG^UR6^I7,;Z<NLI%=7D"
M#Y5,T;<O&3\PR,[1F@#URBN0\ 7T4]CJ-D&U9)[.[*2VFJ.));7<JL$#Y.],
M'())//TK,M-//B_7?$\FIZKJ5L=.O/L=I#:7CP"W01HPEPI 9F+$Y;(P,=*
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MJE@[JISD@=CC.* +MGX"\-6%_#>6^G%7@D,L$1GD:&%S_$D18HIYZ@#%.O/
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MM9K58(V/$8:!6;'U))JQK'BC^S]7BTBPTNZU34G@-PT%NR((XL[=S,[ #)R
M.IP: &7W@3PYJ-_/>7-@S/<,'N(TN)$BG8=#)&K!'/ Z@YIVI^"/#^KWLEY=
M64@FF01S&"YEA690, 2*C . ..0>.*IGQY;S0Z?'8:3J-UJ=Z)&73]JQR1"-
MMKF0LP50&XSDY)&,U'+\1=/M](>\GT^_CN8;Y-/N+'8IGBF?&T8!PP.0003G
M- &GJ7@S0-5DM9+FQVO:P^1$UO,\!$7_ #S_ ';#*?[)XJ6S\*:'IZV"6FGI
M"EA-+/:JC,!$\FX.0,]]S<=!GC%8=UXXNA9:W;'0[ZQUFQL#>Q6\S1-YD9R
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M0'/3(7&2>#A:5X]O=-MO$5Q?:7JFH6.G:Q=I/>1F/;;Q+)@ !F#,%')VC@4
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MBMMRTA?9DGH 2?85EW?BY]7/A:XL/M5D)M<>RO;:7 =62.7=&V"0?F4'@^E
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MD@P&Q'NWL!N&2%]<9I^H>-C:ZGJ-I8Z%J.I)I>W[=+:F/]V64. J,P9SM(/
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M/<W5C-#$I( +,A &3TY-8]]H.H3CP7Y<2G^R[A)+KYQ\BBW=#CU^9ATKKZ*
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M>3D\=*P([+Q#X2US5I-)T==8TK4[DWHCCN4AEMYF #@[\!E8@$8.1SQ7<T4
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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ME_X$FC^Q%_Z".I?^!)K4HH R_P"Q%_Z".I?^!)H_L1?^@CJ7_@2:U** ,O\
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M4;>.6:X;+>5*1$"<_,> /?OFET_7+GPSX9T#Q3<2W%Q;2VUU97,;.S;I-[O
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MMQO<$*Y &T]SS@^U '8'Q1I=SI\MWIE_87RQ3Q0R;+M JEW51EN1GYL@?Q'
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH *@N;&TO&A:ZM89S!()8C+&&\MQT9<]#SU%3
MT4 %%%% !1110 4444 1^1#]H-QY2>>4V&3:-VW.<9ZXSVJ2BB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
1BB@ HHHH **** "BBB@#_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>23
<FILENAME>ex97-ibcrpolicy2023x11x1008.jpg
<TEXT>
begin 644 ex97-ibcrpolicy2023x11x1008.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH *Y/XE76N:?X$U'4/#UV;:_LU$^X1H^Z-3\XPP(^[D_A76
M4R:&.X@D@F0/%(I1U/1@1@B@#S7Q+\1I;?X,VGB;390FI:A'%#;X4-MG8X<
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M .KBGG5&;G&0">F>*9<^*O#]G9Q7=SK5A%;S(9(Y7N%"NH(4E3GD L!QW(H
MUZ*Q+WQAX:TVXBM[W7M-MYI55T22Y125/0]>A[&I]2\2Z'HW_(2U>RM#L5\3
M3JI*L2 0">02#^1H U**QT\5^'I;^VL8];T][JY4/!"MRA:0$9!49YR.GK2S
M^*= M=672KC6K"+4&(46SW"A\GH,9ZGL.] &O13)IHK>%YIY$BBC4L[NP55
MZDD]!69I7BG0-<EEBTO6;&\DB7<Z03JY5?7 /3WH UJ*QK;Q=X<O-0AL+;7=
M.FNYE#QPQW*,S@C(P ><CGZ56\1^,M'T"WO8I-3L1J<-K)/%9RSJKN50L!C.
M><4 =%15/2+UM2T6QOG0(US;QS%1T4LH./UJY0 4444 %%%% !1110 4444
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M \<U2Z323XF_T*T-NWB>W_>W<;-;VA,,;&=U4C(##U R1DU2N;QK_6O%D_\
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MNH#+''KFIEHYX-FTA967<F/E.<'&.#7;>']-M/\ A9OB^=K2+?%'8I$QC'R
M1$X7TY Z>@KM8IX9PYAE20(Y1MC [6'4''0CTJ2@#P;21<V&G>!-3N=2CTO3
MXM,GB2\N+7SHH)S(#\V2 A900&/H1WJZMO']A;6A=3ZEH@\1P7=]*M@(8'58
MRK2QH&8N@?86..2I/.,U[3+)'%$\DKJD:*69G. H'4D^E*CI)&KHRLC %64Y
M!'J* //M U+2-8^+NH7VC-'-"^C1K+<PK^[E<2GHW1B!@9'ICM3]1O\ 3_#_
M ,4;G4_$,D=O:7&EQ0V%W.,1(RNYECW=%8Y4^XKO(9X;B/?!+'(@)7=&P(R#
M@CCN#Q4A /6@#Q:U=-+M]*UV6*2TT!?%-S<P.\958;:2)U5RN/D0N21D ?,/
M6I-7O8/$$/Q/NM-#W-O)I-H(9%0XEVK-DIQ\PSD9'I7L(GA:=K<2QF95#-'N
M&X*>A(].#^524 <]/?V>J_#^ZO-/F2>VET^7RW3HV$(/Z@BO/+"_T?5/"G@7
M1=#1?[9M+FSF>!(RLEJJ &=WX^4$;N3][<,9S7LE1S316\3S32)%&@R[NP4*
M/4D]* /*KVPN%\97'@58F_LW5-0CUDMCY1;C+31^V9D08])*Z3XIVMW=^"G6
MV#M%'=V\MTJ1>:3 L@+_ "?Q@=2O< ULZ7X>%GKM[K5SJ,]_=W*^5$TJHJV\
M&XL(T"@<9/).2<#TK<H \CM+R&_\1OJEGK/_  D<UEI%R)(].T]88G0J"L,D
M@<G<6 VJ 2.>E8R:JM]%X)6'5]-FCAU2T/\ 9VF6)5;!3QMDD+,002%P=I))
MXKW4 #H*, =!0!Y+8:GH&E:!KVA^(K3[5K$^I7#RZ=L/GWQ>4F)H^[ J4PPZ
M8[8K0TS3[>7_ (63+-:(99IVC8NH8E!:H0N>X!)KTK SGO10!R6B;V^$6G[L
MESH4><]<^0*X"-'_ +'M?E;_ ))U*.G?"<5[93)98X(7EFD2.-%+.[G 4#J2
M3T% 'G%Q8P6EA\,_LULD1BNX4!1,%5:UDW#\2!GUKBXU\GPGJ?A_5]?$&HS7
M<PGTM-*$MY/*TI*R1L7!<G*D/T''/%>^*ZL%*L"&&00>H]:;'-#-)*D<L;O"
MVR0*P)0X!P?0X(/T(H I66IVIO?[':Y,FHP6T<TR,A!VG@,3TY(/ )KB_%VL
MC3_'MK$UUIFBM_9Q9-6OX#*9,R<PQ#<J@\ GJ3D<5W,D-E:7KZE,Z1S2(EN9
M)),#&X[5&3@$LW;DG'M5S /44 >&Z6;0>%1<W>HWNG26_B:ZEM]3^Q+Y=N[*
M2K31-@(C!O3@L.17<_#K49M0DUPNNGW*+<H1JMA"8HK]B@RV"2"RX )!(-=S
M1TH \@UO60VL^+;(7>GZ/,[>4;,V)N+W4QY0"LN6P5.=H 4XP<U6T#5M'TK5
M_ U[K4D<4:>%@L=Q,/EADW1C)/\ #QN7)]<=Z]DCFAF>012QR-$VQPK E&QG
M!]#@CCWK+?2K*3QA%JQNO]-BL'MA;;AS&TBL7QUZJ!GI0!Y/>R6$5K:ZK=6S
M#P_<^,ENK9&A.&B\A@90N,["ZLW3ID]ZL^+KFVUR/QKJ^ALL^EG04MY[F$?N
MY[@2,1@]'*H<$C.,@5ZEK6BV^KR:9-<3/$--O%O4VXPS*K+AL]L,?RK2AEBG
MA26%TDB=0R.A!5@>A!'44 >1^*+2ZN[WQVD$$LZ^1I+S11J2TD*LS2*!W^0-
MQWZ5IZ_XF\-:C:7USH>D)KUQ;:1.LCVP(CCB.W]RY&.O7;U 4]*],J.::&VA
M>::1(HD&YW=@JJ/4DT >.VNI"^\9>"'CUW3]2BAGD3;IECY4%J&MW 0N68Y/
M0*2#QTJA:W^C3_"6Y\.6L8_X2.ZNI?(M5C(F><W#%)1QT P=_0!2,\8KW08Q
MQC'M2XYS0!XQXJL[ZXF\;"(.T<>K:9+=[(?-W0K#$7.S^,# )7N :V/#<]OJ
MGC^VU"W\1KK#6MA*DTUCIZQ0K&Q7"22!S\V1E5P2,'I7H[7UFA<-=0*4=8W!
MD VNV,*?0G(P/>GSS06T#2SRQPQ+]YW8*!^)H ATO5+/6M,@U'3YO.M)UW1R
M;2NX9QT(!'2O)O#EG'<S^ 4N(!(B:EJ[[77(!#2E3^>"*]<L;*#3K**SM4*0
MQ+A06+'ZDGDDGDD]:L4 <;X6B6'Q[XW2- D9N+1P , L;=<GZD]:YO6=:6/Q
MAXCM#>Z=HLA6*,K)8FXN]37R^/+!;!')4 *W.<UZM1@9SCF@#Q;PC=VNC+X+
MU?77$.F)H4EK#<SC]W;W/F#(8]$)08!./ND5H/?:+%X@T'Q FGM9>&H[R^S<
MRH1"9W";+C'\*MAP&( SSQG->LD C!HQQB@#R74[[1;G5]-U^UTYU\-V^M/+
M?78C)AGE-N52X"_W%? +XQD9YZUG^+KBUUM/&NK:$1-I3Z)%!/<PK^[N+D2D
MC:>CE4."1GJ!7M51K/"TSP++&94 9HPPW*#T)'8'!_*@#@?$,.G>'?%7A74;
MN"&UT*UBN(C((\16\[*@C=\# RJLH8]/QKE9]5TY8O&-_IVGVT^G7.LV.);F
M%_L\>40M<,HP60,"WH<@]#7MG7K2 @C(P0: /&$OFO\ QGJ-Q_;,&KJ_AB[C
M%W:6GDP,P9#L0Y;>0#D_,<9K5-A!:^"_AD8+9(W2^L#E$P1OA8O^9Z^M>IXQ
M10!Y)I^IZ!I7AW6M"\0V?VO6IM2N'FT[8?/OF>8M$R=V!4IA@<#';%9MQ+_9
M>I^,+76M>M],DOKN23[+<Z:+B2\MV0",1L6&_ ^7:.A!]:]L&#AA@^AI< ]J
M .=TC1DN?AY::)>FY>.735MI#=1A)=I3;\Z@G# 'D9/->30W^I0VD?C:\MIF
MN?"TMOI,B8.9 J/'<$#OEID.?]BO=Y9X86C665(S(VQ S ;FQG ]3@'CVHEN
M(( #--'&&<("[ 98]!SW/I0!YKH^CRZ/XA\"6EPI-S_9U_+=$CK-)Y3R9_X$
MS5A>&/L6I:7\-[%D29[*_N([J%TYBE2&1@&!'!!VG\J]KI,@8Z#- ''^'(EB
M^)'C,(@1'6Q<X& 6,;Y/UX%<[XCN;>U\4>.K6=A'<7WAQ3:J5.9MD<^_;ZXR
M,UZ?#/#<(7@E25 Q4LC!AD'!''<'BI* /-+BQ@L]+^&?V:V2(QWD"@HF"JM:
MR;A^)QGUKC$7R?"FJ>']7U\0:C-=S"?2TTH2WD\K2DK)&2X+DY4A^@XYXKWZ
MC SG'- '%_$J*0?";68G9Y)19A68CYF.5R3C/-8OCFQ&C^(?"UY!/;Z1I%JL
MZ&Y-F)8;>8J@1G7( RJLH8]/QKTZCK0!XP+?3KK1_$6I3:OJ%U9S:C:2_P!I
M66G(D$<T>/WZKN(D0':'..W&>HJ:MJLM_P"%_&JO/INLQ#3H2^MZ?;F'SB'(
M$3\E68#GY3P#7N58_B'2[+Q%H]YX?N+GRC=0_,(V'F*F1\P![9&,XH XFYO]
M-\0^)O#,?A%D,^GQ7'GO%&5%I"82BQR<?*2Y3"'D;<XXKD--59/"&E>'KCQ
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M/GYP#Z!2<#)IMMH.OW/CCQA<6&KW&DP7$UNFYK02+*!;H"\9;&&!R,\CU'%
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MUFSN+O3]3MIX+<D3N'QY6!GYL_=XYYJ/2?%>@Z[/)#I>JVUU+&N]D1N=O3<
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M,X/Y5YC)H]S/X?\ &4]I"4OM/\0R:G8@KC<\:1/QZ[AO7_@1KIOA_NU*QO\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M^- &E15,ZMIHM!=G4+06Q;:)O.783Z;LXS1;:OIMY+Y5KJ%I/)_=BF5C^0-
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %<A\3],
MO=4^'VJ+IUQ/!>V\?VF%X)"C$IR5R/5=PQ[BNOI" 000"#U!H \9\1^/KG4?
M@9I5S83R?VSK#1:>IB;#^<#B0C'(SM/_ 'V*GA2]T7XV>$M".HW4T$6A8F#S
M,5FD ER[ GDDC.363X5^&&N:=\3TBO+=AX6TJ\GOK!F=2K.X4( ,YR,*>1_
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MVZX21 1-Y8!4<GD;0 <$?,: *'PTM+SX:?$6W\-:E(?(U[3HITW<!;@*25_
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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MA3_GXUC_ ,#F_P */^%'^%/^?C6/_ YO\*])HH \V_X4?X4_Y^-8_P# YO\
M"C_A1_A3_GXUC_P.;_"O2:* /-O^%'^%/^?C6/\ P.;_  H_X4?X4_Y^-8_\
M#F_PKTFB@#S;_A1_A3_GXUC_ ,#F_P */^%'^%/^?C6/_ YO\*])HH \V_X4
M?X4_Y^-8_P# YO\ "C_A1_A3_GXUC_P.;_"O2:* /-O^%'^%/^?C6/\ P.;_
M  H_X4?X4_Y^-8_\#F_PKTFB@#S;_A1_A3_GXUC_ ,#F_P */^%'^%/^?C6/
M_ YO\*])HH \V_X4?X4_Y^-8_P# YO\ "C_A1_A3_GXUC_P.;_"O2:* /-O^
M%'^%/^?C6/\ P.;_  H_X4?X4_Y^-8_\#F_PKTFB@#S;_A1_A3_GXUC_ ,#F
M_P */^%'^%/^?C6/_ YO\*])HH \V_X4?X4_Y^-8_P# YO\ "C_A1_A3_GXU
MC_P.;_"O2:* /-O^%'^%/^?C6/\ P.;_  H_X4?X4_Y^-8_\#F_PKTFB@#S;
M_A1_A3_GXUC_ ,#F_P */^%'^%/^?C6/_ YO\*])HH \V_X4?X4_Y^-8_P#
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MBQR;-P.X#G!['K73:'XZTW5;C3[%EO8KF\AWV\MQ:/%%=%5RWEL1@\<_3D4
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M1;FR>,SPIRS1@CYL @D=<'.*V9M>T^&72HO-,CZHV+01KNW@(7+>RA1G/N*
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M,LA)C0GS I7. 3P>F<'TH X*Q\/ZP;S2=2FT^6$W7B>;4Y+<X+6T+0,B[\'
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M=T5MIUEY"O@X0@_*2PZ $9KV"H(+VUN9[B"">.26V8),J-DQL0& /H<$'\:
M*N@6']E>'=-T_P KR?LUM'%Y8D,FS"@;=Q W8Z9Q6C110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M9S[9",QJS, /0Y8\TS4?!FCZIJD]_=).7N;0V=S$L[+'/%A@ Z@X)&XX/44
M<'8ZMJ=GX@\,/#=>)Y(-0N?L]U+JHC2"X#1,V8X\[D.5!&  !P:KZ1]KT+0[
MR6TU2^+3>,EM'\R4-E/M6UNW5@?F/>N[M_ .DPW6GW,USJ=W/I\@DM'NKQY/
M*P,;0#Q@CKQDX'/%2#P-HXN+F4&[V7%_'J+0FX8QK.C[]ZK_  Y;DXZT <W
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MI-PRN",<\U0N/"5[IMUKUL^@:SJCWUY/<V<UGJSP6SB4YVS*)5VX)()"G(H
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ML5-Y<G/"XQSZL*XKPSX<NT\>3ZC)HVHV^DW&DO:E]3O?M$TC^8I.\%W*@C.
M#V.<9I/AKI5VNK:A+>R"6#0@^B:?)G.Z-9"[-]=OE(?^N9H VO&7B.Y\/^(/
M"ZQ_:9+:[N)XY[:VB#O/B%BB@?[V#G('J<9JW#XZT@Z9J5Y>)=6#Z8RK=VMU
M%B:,M]P!5)#;LC;M)S5;QA;:J-?\,ZKINEOJ":?/.]Q''(BL$:(IE=Q )YX'
M?IQ7-:SX3UKQ7#X@U<Z?)93W+6?V.QFG"22);N7.]D)"%MQ P<C .10!VFE>
M+;;4M4739].U'3+V2(S0Q7\2H9D! 8J59@<9&02",]*M:YX@MM"%JDEO=7=U
M=R&.WM;2,/)(0,G&2   ,DD@5R/AS0FE\66>HKX=U:QALX9,W&KZG).XD<!=
ML2>:XQC.6/7C%:?CB#6IKK2/L2:G+I*O)_:$6E3K%<,=H\O#%E.W.[(!!Z4
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M--Z_O5:!%4YSQD@CG%7=8\.WVI:OX9"Q,MO;V%Y;W,H8?N3)$BKQGGD'IZ4
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M6K3N7_:;L7(VEM(R1Z?(U9*V+>+=>L+[Q]X^\+2V%@_F16%A>Q[9&_VB<<'
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MA[ 8./;DX[8K5M- \*:3\+]7\-6/C309]4U-=T]Y<7\:J\F1Z$D* #Z]2>]
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M]TC*J#!( &">$7MP%[UZQ0 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !61JOA7P_KERMSJNC6%[.B"-9+B!78+DG&2.F2?SK7HH YK
M_A7?@S_H5M(_\ T_PH_X5WX,_P"A6TC_ , T_P *Z6B@#FO^%=^#/^A6TC_P
M#3_"C_A7?@S_ *%;2/\ P#3_  KI:* .:_X5WX,_Z%;2/_ -/\*/^%=^#/\
MH5M(_P# -/\ "NEHH YK_A7?@S_H5M(_\ T_PH_X5WX,_P"A6TC_ , T_P *
MZ6B@#FO^%=^#/^A6TC_P#3_"C_A7?@S_ *%;2/\ P#3_  KI:* .:_X5WX,_
MZ%;2/_ -/\*/^%=^#/\ H5M(_P# -/\ "NEHH YK_A7?@S_H5M(_\ T_PH_X
M5WX,_P"A6TC_ , T_P *Z6B@#FO^%=^#/^A6TC_P#3_"C_A7?@S_ *%;2/\
MP#3_  KI:* .:_X5WX,_Z%;2/_ -/\*/^%=^#/\ H5M(_P# -/\ "NEHH YK
M_A7?@S_H5M(_\ T_PH_X5WX,_P"A6TC_ , T_P *Z6B@#FO^%=^#/^A6TC_P
M#3_"C_A7?@S_ *%;2/\ P#3_  KI:* .:_X5WX,_Z%;2/_ -/\*/^%=^#/\
MH5M(_P# -/\ "NEHH YK_A7?@S_H5M(_\ T_PH_X5WX,_P"A6TC_ , T_P *
MZ6B@#FO^%=^#/^A6TC_P#3_"C_A7?@S_ *%;2/\ P#3_  KI:* .:_X5WX,_
MZ%;2/_ -/\*/^%=^#/\ H5M(_P# -/\ "NEHH YK_A7?@S_H5M(_\ T_PH_X
M5WX,_P"A6TC_ , T_P *Z6B@#FO^%=^#/^A6TC_P#3_"C_A7?@S_ *%;2/\
MP#3_  KI:* .:_X5WX,_Z%;2/_ -/\*/^%=^#/\ H5M(_P# -/\ "NEHH YK
M_A7?@S_H5M(_\ T_PH_X5WX,_P"A6TC_ , T_P *Z6B@#FO^%=^#/^A6TC_P
M#3_"C_A7?@S_ *%;2/\ P#3_  KI:* .:_X5WX,_Z%;2/_ -/\*/^%=^#/\
MH5M(_P# -/\ "NEHH YK_A7?@S_H5M(_\ T_PH_X5WX,_P"A6TC_ , T_P *
MZ6B@#FO^%=^#/^A6TC_P#3_"C_A7?@S_ *%;2/\ P#3_  KI:* .:_X5WX,_
MZ%;2/_ -/\*/^%=^#/\ H5M(_P# -/\ "NEHH YK_A7?@S_H5M(_\ T_PH_X
M5WX,_P"A6TC_ , T_P *Z6B@#FO^%=^#/^A6TC_P#3_"C_A7?@S_ *%;2/\
MP#3_  KI:* .:_X5WX,_Z%;2/_ -/\*/^%=^#/\ H5M(_P# -/\ "NEHH YK
M_A7?@S_H5M(_\ T_PH_X5WX,_P"A6TC_ , T_P *Z6B@#FO^%=^#/^A6TC_P
M#3_"C_A7?@S_ *%;2/\ P#3_  KI:* .:_X5WX,_Z%;2/_ -/\*/^%=^#/\
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MB19H6;:'1P!GD$'(!!H [:BN1@\8:E_;$&FWWAN6SFOK>6;3]UVC><8P"4?
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MO<;[7Q#!.T$\$>X$;D5<NZCC[V#QTKU&H+VZ2QL+B[D5F2")I6"]2%!/'Y4
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M@3SCK7412":%)%SM=0PSZ&N??QGIOV2SNH4GEBNM4_LM2% Q+O9"3D_=!4T
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MF0(I?>S2/M')(' ' %=/JFB7=YXH\,ZC$8_(TTW!GRV#\\6Q=H[\UT6><44
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MXKJ?A_J1N? /AMKR[#W=Q9(1YC_/*57D\\DXZUT4=C:0W%S<1VT2376#/(J
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %<_XA\17.FZAIVDZ98I>ZIJ'F-$DLWE1QQH!N=V ) &Y0  22
M:Z"N:\1Z'J5QK.EZ[HLEK_:%@LL1@NBRQSQ2;=REE!*D%00<'WH R+SXAW.E
MZ3JS7^BXU;2I[:*:SAN-R2K.X5'C<J,@Y/! Y7!]:ZS1[C5+C3O,UBQ@LKO<
M<PP7'G+M['=M'/X5QMWX'UC5;75[R_N;)-5U*ZLG,<1<PP0V\@<(&(W,Q&XY
MP.2.@KT$C((H \RTCQU]GT+PU8:786EO+J%D]Q'_ &KJ3)&JJ^W8)"C-(Y)S
MC XKO]&O;K4-*@N;VP>PN7R)+9I ^P@D<,."#C(/H1P*XBW\%:Y8^&-%TEH=
M#U>VM+5H+FQOU(B+[LB5)/+9@<'&",?C72^"O#TWACPW'IL\T;N)9)0D1;RX
M0[%A&F[G:N<#- &-I'CO4=:O\V6DV<UBMXUK+&E^/MD 5RAD>$J %XSC=G!S
MS6G%XN,FB^*-0^Q ?V'/<0B/S?\ 7>5&'SG'RYSCOCWKG-0\":WJU_";V/1#
M-#>+.FNPJT=]Y:R;@NU4"[L#;G=C'.,U8OO"?B=(_$^F:7/I7]FZ[++,9[AI
M!- TD81U"@88?+P<C&>AZ4 76\9:O>ZS9Z5I&B6\T]QI,.IM-<W9CBB#LPV'
M",2?E&,#G)Z8YAD^(ZG3+(1:>B:S=7DUB;.XN1''#+%GS"\N#\@&""!D[AQS
M67';:_IGQ&M[321I\\]MX8M89XKJ1T1]LL@W*ZJ2,$=QR#VJ>?X;W36%C=E]
M-OM:@O[B_N([R(FUG:?B1,8)4 !=K8)^7IS0!8G^)36&CZW+>:=!)J.D^0SP
M6=V)8IXY7"*R/M!ZYR"!R/?-27OC;6].NM/TV^TG2K'4[X2R1_:M3VP!$VX&
M_P OF0EON@=LYJM-X%U2^T#6;=X=#TZ>^>W\BVL( L4*1R*[;I @9RV#VP.,
M=S6[XKT;5-4FMS:VVD:E8A&2?3=43",Q(VR*X1B&'(QC!![&@"K?^-KNPT[2
MDGTA+?6M2EDBCM+B[5(DV9+2&7!^3&",#)W 8JJOQ'6WL=42]L(FU6QD@C2V
MLKH2QW33-MBV2$#&6R#D<8[UFQ_#*[M]'THI_9=S>Z?>7%Q'8W2,]F(IOO0+
MD%@%PI5L=1TYJY_P@>H7FEZAYRZ-I=[)/!<6,6G6P\JW>%MZEWVJTFX]<@ #
MI0!$VLZQ!\1].;Q!9PV$,&D7D[&VNFFA=0T1)Y53N7!SQW&#S4UG\29Y%T[4
M+S3K*#2-1FCBB,>H"2YA$AQ&TD6T  DC(#$KGFIV\,^(==\0QW_B%M,ALUTZ
MYL&MK*5W;][LR^YE'4+TQQ@=<\9^E> M6LAIEA)8^&([>QD3?J45F&N;B-.@
MV,FU&.!EMQ[D4 'BGQ9K.H^%O%4ND:0CZ79PW5FUV;LI,75"KR1H%P51L]6!
M.#BNDOI9!\,+F4.PD&C,P<'G/DDYSZUAWOA+Q/!I6O:#H]QI?]F:J]Q(D]RT
M@EM_.R73:%(89)PV1C/0XKJ;G2)YO!DVBJ\8N'T]K0.2=NXQ[<],XS[4 <MX
M=\5ZQ8:/X8_MG1XX=.U"."TAN5NS),LC(-AE0J  Y'9CC(S6@OCMCX5;43IP
M&J+J']F?V?YW_+SYNS;OV],?/G'2JEGX6\2W<.@:9K<^F?V=HTL,_G6K.9;I
MXA^[!5E 0 X)Y.<=LU0TW3K36/B_>WFG7L=UI-FB7EPD1#1KJ!5H1R.-PC&2
M.QQ0!Z97,Z[KVLV5_);Z=I5F8(8EDDO-1O/LT3$Y^1,(VXC'). ,BM'3KO49
M]8U>"Z@B2SMY(UM)$5@7!0%MV>"03U7CMU!KE]7\':E<^,KW6$L=#U6*YBBC
M@_M7<QL2H(.Q=K!@2=W53GO0 1?$2YU"P\-2Z5H@GN==$X2*2Z"+"T7WMSA3
ME>&Y SP..:?_ ,)_=VEG>MJFCQP7&F:E!9ZB(KG?'%%*%*S*VT%A\ZY! [\\
M5'X<\"ZEHR^$UN+JUE_L4WWG-'N'FB8DH5&..O([=LU8U+1;#3X_&=YXAO[2
MWTG6_+4.[[2@$"QG.<#=E20!GMWH WK?73=>+;S1(;?='96L<T]QO^[)(3MC
MVX_NJ6)SW''-9VH>)=4E\0W6B^']*M[R>QB26[ENKHP1H7R41<(Q+$ GH ./
M6JOPPTV\M/!\-_JC,^IZH1=W+N,,05"Q@^F$5..QS4MYHFO:;XHO]:\/_P!G
M3KJ4427-O?2/'LDC!575E5LC:<%2!TZT 8-UXQU?6-:\'R:5:+ D][=6]Y:3
MW10B:*.0/&^U""%P6![D#@=14TGQ5KVB:5XFU%-(2]TO3]9O6GEEO2DI02G(
MB3:00H]2/05K1^!M7TZ#0KJRN[*YU2RU&XO[LW&Z.*9IU<2;=H)&-_'TYJX?
M!U\?!/BC1//M_M&K7%[+"^6V()F)7=QG(SS@&@!VI^-YAKDVDZ-;6$TMM!'/
M<2W]]]F0;P2B+\K%F(&>@ R/6JC?$:XO;70?[$T47=YJYN(A#-<B,020XWAF
M .0/FY'7 QUIFH>!KR'7Y]6LM.T'5#>6T,4\&JH?W<D:[0\;A&X(QE<#H.:N
MZ;X.OK.^\+W,MQ8LVEBZ:Z%O;B!6:90 (T48P.F3R0,\F@"UXUUW4="^'MWJ
MD4<<&I^5%&JAMZQ2R,J9S@;@I;.<<XZ51F^&EDNG[['4]2@UY0&35GNY))#(
M.[J6VLI[KC&*Z7Q#HEMXD\/WNCW998;J,H77JAZAA[@@'\*Y>XTOX@ZAI1T6
MYU#1H(9$\F;5;<R_:&CZ$K&1M5R.^X@9XH T+OQ)K#ZY/HFAZ;:W]W801R7T
M]S<&WB5G!*HH"N2Q )] ,<FL\_$.XNHM$CTW1#-?ZG/<VKVT]P(_LTT(^<.P
M4Y P>0.@&!SBK+^'M<T37[K4O#C6-S'?6\,5Q!J,TBLKQ*560.JL6RO!!'.,
MYJ#2? UYIM_X?NY+R&>:SN;V\OWP5\V6X4YV#G@$]ST% %-_B!X@33M9NO\
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M.K*K9^4X*X'3K3-*\#7NG:AH%[+>03SVMY>WM^X!7S);A"#Y8YX!(')Z#\*
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M3.V.5&!!. 3@C(_&N>M_AP]IXD\.W<-S$--TZTACN8.=T\T*N(GZ=C(Q.3U
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M)(_3&"J<>[M5/_A!]5MB=0LKFS_M2WUNZU.U$A;RGCF!5HW(&5)4]0#@@=:
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M5&6)05=OO,.."<G)[YKS;6=7\2:E_P (?=ZAIEI:V-YK%K+'Y%RSRQ ABJR
MJ <@]0>",>]=EXQ\1MX6T(7ZPQR,\\< >9RD46]L;Y& )"#OQ0!?U.RNS:73
MZ,]G::E-M'VB:#S <?W@""V!G'/%,\.:'#X<T"TTJ&0R"!3OE88,CL2SN1[L
M2?QKF)?&NJV/A35=8N;+3;I+/RC;W-A>"6WN0[!2!_$I7/.1@Y&#6[J_B,:5
MXDTO39(E\B\M[J>68DYC$(0\#OG<?RH T-0T;2]6\O\ M+3;.\\LY3[3 LFW
MZ;@<4^\TO3]0M!:7MA:W-LN,0S0JZ#'3Y2,5R^C^)O$VJ1:9JW]@VW]C:BZ[
M%CN";F&)ONRN" I&,$@'(![URGAOQ-K_ (?\#-JITVSFT6TU"X69WN6^T2*U
MTX+(-NW"EL8)YVGIQ0!ZHFFV,5O!;QV5LD%NP>&-8E"QL.A48P#R>E.EL;.=
MI6FM8)&EC\J0O&"73GY3GJ.3QTYJGXCUR#PWX>O=7N(WDCMH]WEI]YV) 51]
M20/QK!7Q)XBTW4M.M=>TO3X4U1FAMI+6Y=Q#/L+K'+E1D$*1N7N.E '27VC:
M7J:1)?Z;9W:Q?ZM9X%D"?3(XJP;2V,D+FWBWP B%M@S&",';Z<<<5XS%J?B*
M7PAX=NKA(KN[/BIE@ N7S(=]P"KL5^501@8S\HZ=J[&7QY>:"-=B\2V-LD^E
MVD=XC6,K,DZ2,R*OS %6WKCGCG- '=$!E*L 01@@]ZIV&C:7I32-IVFV=F93
MF0V\"Q[_ *[0,UR&D^/;B37M-TW4VT1_[2W+"=,O_/:"0*6V2# Z@'##C(QC
MFKW@CQ)KGBFT35+O3;.STN9'$)2=GF9U?:25VX"G#8YSQ[T =*NGV2PQ0K9V
MXBA?S(D$2X1\D[@,<')/(]33C8VA2X0VL!2X),Z^6,2DC&6]> !S7,3>)-<N
M/&]UH&EZ;9O!9I;S7-S<3LN(Y"V0JA3EOE)'0<&H!XYG/PWA\4_88_-DF2/R
M-YVC=<"'.<>AS0!U-EI.G:;;-;6&GVMK;N26B@A5%8GKD 8IMCHNE:6)1I^F
M65H)?]9]G@6/?]< 9K@'\4)X7U?QG=NBS2RZO:VMM'+*(T,CV\>-SGA5'))]
M :O6GQ#DBN;^SOTTV]N8-/EU"!M'NO/681_>C((RK\C'4$'VQ0!W<,$5M D$
M$2111C:D<:A54>@ Z"JM[HNE:C/%/?:99W4T7^KDG@5V3Z$C(KFO"7BW4_$-
MQ S1:/=6,\)D,^FWWF-:MQA)58 Y.<9'<'(%=G0!&UO UPEPT,9FC4JDA4;E
M!QD ]0#@?E4=[86>HVYM[ZT@NH"03'/&'4D=#@\5Q3>,?$D\>O7MCHEB]CHU
MU-!();EEEN1'RWE@*0#CUZGCWJT/%^HZ[J(L_"MG9S+'907D]S?RLB*)@6C0
M!026*C)/0>] '6+96J1S1K;0JDY)F41@"0D8)8=\@ <U!>:-I>H6L5K>Z;9W
M-O%CRXIH%=$QP, C KA$\0MXA\4>"KAH'M+B*^U"UN[8ON\N6.!U9<C[PR,@
M^A%+X?\ %4[Z'H.E^'=)MTO;];F81W%RYBMHHY2K.S$%F)8C ]^H H ]%AAB
MMX4AAC2.)!M5$4*JCT '2JFH:+I6K[/[2TRSO=GW/M,"R;?IN!Q7)R:Q>2ZW
MX:AUW0TM[\ZC<0)(EPQC&V!V\V/&-RL,C##CGT!K)/Q8)L6UU5T?^Q5EV_9S
M?C[<8@VWS1'C'^ULSG'>@#TK[);?9/LGV>+[-LV>3L&S;Z;>F/:J]IHVEV%I
M+:6>FV=M;2Y\R&&!41\C!R ,&N.U'QYJ(\2:EI6F6^DM+8% MI>WOD7%[N0-
MF$$;<<X!).2.<5WJ,6C5F0HQ )4XR/;CB@"/[';9@/V>'-O_ *D[!^ZXQ\OI
MQQQVK'\0^&(-;MH(HS#;,FH6][,PB!\[RF!PW3)(7&3G%'B35]3TS[*FG6MF
M1,6\V\OKCRH+< #&[')+9P /0Y(KEX_B5=-X=O+Q+"RO+VTU6+32MG=;X9S(
M4PR/C_;Q@]"* .ZLM)TW3H)(+'3[2UAD)+QP0JBL3UR ,&HK7P_HUB +32+"
MW D$H$-LB?.,X;@=>3S[US/_  FFHZ-J&I6?B:QM(C:Z8^J)+83-(K1JVUD(
M90=V<8['/:L?5=2\2WFI^"YM6TVSM+6YU6.5/LUPSO%F&0B.0%0"2#G(XRI]
MJ /1CI]D;1[0V=N;:0DO#Y0V,2<DE<8.3S6/<>'[N_\ &%KJM]>0/8:>&:QM
M$A(9960*SNY)W8&[  'WO:H_&5W!:0:*9[07(EUFTB0&5D\MV? ?Y>N.N#P>
M]8-UXX\1?9/$.I66BV#Z?H5U/%.9KIEDG6+EB@"D [>>3UXH ]#(R,&L\Z#H
M[6#6!TFP-DS[VMS;)Y9;U*XQGWKD=4\?72Z[_9FFII4+_8XKN,:K=F!KKS 2
M$BP""1C!)/4].]$NI>(9_B;H$7DQ6UK-I,LTUI)<DE#OBWYV@JSKG .<$$\B
M@#N+6UM[*V2WM+>*W@082*) BJ/8#@4IM;=KI;IH(C<(I192@WJIZ@'KCVKS
MRR^(&OS^%5\33Z-8Q:;-)%# @N6,K,TZQ$D;<!>6(YSP/6NFU;Q2FD>(TT^X
MB'V0:9<:A+,#\RB(H" ._#$_A0!L_P!FV/V66U^Q6_V>4EI(O*78Y)R21C!)
M-2O;P2313/#&TL6?+=E!9,C!P>V17(Z9X@\67T.GW[Z#9"PU%=T2QW+-+;!E
M+(TN5 *G@';R,]ZYCPYJU_+X8\+S:Y;Q7LEQXADBMYA=2%T;=<9=NF<;2H4Y
M&".A% 'I::+I4>I-J2:99K?-UN5@42G_ (%C/ZU.;*T*7"&UAVW.?/'EC$N1
M@[O[W''/:N'?QOKDVCWGB6QT:TE\/6CR\-<,+F:*-BKRJ-NT#Y6(4G) [9JR
M_BS7=4U^_P!,\.Z=831VMM;W(N;R=T5UE4LJ@*I.3CKT&* .P^R6Q>!_L\6Z
M $0ML&8P1@[?3CCBF7VG6.J6_P!GU"RM[N#.?+N(ED7/K@@BN"E^)<D^G^'I
M;:#3["35X))3-JER8X(F0A3&& ^9B2<=.!^%=IH5]>ZCI$-SJ%G':7+%@T<4
MXE0@$@,K#JK#!&<'GF@"8Z3IITW^S3I]J;'&W[-Y*^5CKC;C'Z4MII>GV";+
M.QMK==@CQ#"J#:"2%X'3)/'N:XJW\>:G?Z[>6EC9Z5(MI?&T?3Y+[R[YE5MI
ME", N/X@,\COFJ%KJ7B.S\4>.9-'L;*XAMKN.:0W=PR;L6T9V(%4\X&<G Y'
MO@ ] M="TBQ2X2TTJQMTN 1.L-NB"4'KNP.>IZU9:SMF6!6MX2MN0T(*#$9
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M;*[400F..(0LA*!>>,( #WZG%=!K?A,:WXA6\N)5^Q-I5SITT0SO(E*<@].
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M?X'U:UL]*L)[VR>UTK6FU&!T5@[Q-YQ*MGC=F4=.,"N[FGAMU#32I&I8*"[
M DG '/<FD>ZMXI#')/$CB,RE6< A!U;'I[T <&W@OQ#!H=[X7L-3L(] NFE
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M KH?$/@";6O#NA:?%?K;7-A$MK/,H/[VW:,),@_W@ 1]!7:)-:HTD,<D*M"
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MB]/(MC,OF'_@.<UB3>*IQJ&OV5O81/)I4EJ@,MT(EE$P4DY(PNT$\<YQCC-
M&;JT#VOAO7KGQSK%JEIJ$/V=8(-WDVXVL!LW<L[$YS@<@ "HO"UAK6A?"^:]
MV^;XCO(GOY1-$SEIF VJ5'.0H1<>U=C>:GIEI/%;7M]:0S2D>5%-*JLYSV!/
M/X59CGAF>1(I8W:)ML@5@2AQG!]#B@ @,AMXS, )2HWA>@;'.*DJ.&>*YA6:
M"5)8FY5T8,I^A%24 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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M.TDG!Z9S7M4=G;17#W$=M"DTGWY%0!F^IZFAK2V>1I&MXC(X 9B@R<=,GVH
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M%(K;3I#J27 8>8'/FYR3N#DKC!)Z8KWVH%L[5+IKI;:%;AAAI1& Y'N>M3T
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M!1N#[!P& !&1US64OBWQ-9:3IOB/5;+3%T:]DA#V\!?[1;1S,%1BY.U\%ER
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M'^0MS@%3VSBJ_@_PMK6K^"/#-IJVJPG1H([>Z-LMJ5G<IADB=RV-JL!T4$@
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M-N&,;^00<@>_'.^,-#M[^/PIX/M[F9M6MQ'%,\43 ?8C$8YRQZ!6"XQG.=M
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MGI-D=,T:QL#)YAMK>.$N!C=M4#..W2KE !1110 4444 %%%% !1110 4444
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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MM[3S<^6LKX9\=<#J0.]<[XR\?VFB:5I4VF7^F22ZI<+'!/<2%H5C.2TIVG+
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MS*LF"H[9!Y /0&JN@^,$\10>'KJTGT](M1@D>>!IB95D5$8I'@8;:6PV<=J
M.KHK%@\7^';K5SI4&M64E]N*>2LH)+#JH[$CT'-1WOC;PQIUR;:\UVQ@F60Q
M,CS %6&,AO3J.3Q0!O44@(8 @@@\@BEH **** "BBB@ HHHH **** "BBB@
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M0@CD8,?ECP/G W#G)Y)&>*Z6ZL5@T_X:K!;;/(NX5^1,;%-K)GZ G&:]&HH
M\-U*]L;+X1:IX6O[:5_$*32F6V^SLSR2&<N)P<8*[<-NSTX]J]9\5S26_A#5
MY8M/&H.MI)BT()$WRGY2!R0?0=:V:* /&(-0DU#Q#X)>/6EU*&"\ :.STWR+
M>SS"ZA"QR0>P4MT'(Z5-/I^WX&^)0MJ1/+>W<I C^9F%T=K>N< 8/L*]/C\0
MZ+-$\L6KV$D:1B5W2Y1@J%BH8D'@9!&>F0:TJ /+?',%_IOB>:TTQ7"^,+=+
M!W0?ZJ9&"M(?3]PS_P#?L5<BN-,\%^/=3EU93:V%QI]K!IMPT;-&L<08/"&
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M5&(T7:.3T/)/-7K7P[JNC_#:+1]+NWCUD1*S7*[23.SAI');@@L6SU..G.*
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M2?&!9KZ[@B?^P(7GMHHMRC,C HKDYQORV['3C'>K'CV"_F\4>#!:7ZVP.HN
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MUOXWN+DGRK;R3%)]FDRH^8[EQGKSQ[\=)XWU;5=)TW3SHQMQ>7>HP6@-PA9
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M90YDW*V>?O8_"@#G8YM0\,-XD\5VGAX:1!>K:6EEITY1?-G+[/-D6,D*,N.
M<D UT7]H>(= \0Z3I^L:C;:G:ZMYL0>.U\AH)DC+C&&.Y"%8<\@XYIFNZS:^
M(M%N=*O?#/B<03@9:.RVNC AE93NX((!'TK(LIKG^V+74]:M?%>JSV4;I:*V
ME)$D1<;6<A3\SD<9Z<GCF@#/\*Z]_8GAWP?(]M!)#%X>O;MV,8,H$6P[5;J
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ML"0*[#!8*H7)_*K= !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M<EPT4,"VTB-$!(RIER3YC,%!PHX/Y5HZU92?\)QX*D@MG\BW%VKLB';&I@
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M#3[J:&26WCC>":%5;C8 "A#=""01U- '?50&MZ6S*!?VY+W36:C>.9USF/\
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M&0HI."O RV10!ZO17ER:KXNE\+:YXG&O(HTRYO#!9?98_+EA@D<%9&QNR0I
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MG!VL,'![&N<B\!AKG2I[_P 0:K?/I4RRVBR>4BK@%<,%0;L@XR>?3&3GKZ*
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M+.T5I D",^-Q5%"@G'? JW10!S2>"-+7P7;>%VDN6M+95\F?>%FC=6W*X8#
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MC??OX)0MMW<[<XS7<44 <K<>"4DU34KJUUK4K*WU-@][:P&/;*P4*2&*EDR
M =I'MBI=&\%6&B3:/)!<74ATJRDLH?,*_,CLK$M@#D;0!C%=+10!R]QX%TVX
MMK^/[1=QRW6I?VHEQ&ZB2WG"JH*'&,87H0<Y.:A;X?V-Y;W_ /:VH7VHWUZ(
MU:]D9(Y(A&VZ/R]BA4VL2W Y/7-==10!SFF^&6T[4CJ^H:SJ.K7<4!AB-P$
MB0X)VI&J@L<#)().*I^'O#UV^C7%U=W%WIU_J>HG4IU@8!T&1LA8D'@(JJP]
M<UU]% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M %%%% !1110 4444 %9E_P"(M%TN_@L+_5;.VN[C'DP33*KR9.!@$Y.3Q6G7
M!7$4<WQVMA)&CA?#CLNY0<'[2O(]Z -VZ\=>%+&[EM;KQ'I<-Q"Y22*2Z161
MAP003P:TM,UG2]:@:?2]1M;V)3AGMIED /H<'@UY%X?\0Z/HNL^-!J?A_4-0
MQKMS(;BWTTW"1KA>"_;H3CWK;\ Q)K7CC4/%^C:6VE^'KJP2VC1E5#=S!\F7
M8I(&!E<G_&@#JS\0_!H)!\4:0".H^UI_C5Y/%7A^31Y-736K!M-C?RWNA.OE
MJW'!;.,\C\Q7D/PWUW3++P-907/@76=4E62?==VVDI-')F5SPY.3CI^&*Z'X
M@RVFH?!^XEM]&N-*AFO+<-:7-L(''[] 24'KC\J /4+>XAN[:*YMI4E@E0/'
M(C95U(R"#W!%5K+6--U*YN[:QO[:YGLW\NYCBD#-"W(PP'0\'KZ&N"\+:X/"
M?@/7["\8O+X7EF@16/,D?WX/^^@RJ/I6=\(M*ET'Q/XOL[MR;I8M/ENG8]97
MB=Y#_P!],U 'I[:MIR:LFE-?6XU!X_-6U,@\PI_>"]<<'GVI][J-EIRPM>W4
M-NLTJPQF5PN^1ONJ,]2?2O#+F_CN;>^^)\-U$;ZWUA9;:#S '?3X\PL@&<C<
M&9C]*[CXFW,-YH?A2ZMW$D,VOV$D;CHRDD@_D: .Y75-/;56TM;V Z@L?FM;
M>8/,"9QNV]<>].N-0L[2YMK:XNH8I[IBD$;N TI R0H[D#FO'_%6D:G>?%O5
M=6T)V&L:/IUM=6\6?EN!E@\1_P!Y<CZXK7U'Q!9^*->^&^KV+'RI[NX)1OO1
MN(2&1O<'(H [2]\;>%M.O);.]\0Z9;W,1VR12W**RGT()XK4T_4[#5K476G7
MMO>6Y.!+;RB1<^F0:X#P9IEA?^,O';7EC;7#+J:!3-$KD#RQTR*%L+7PK\9M
M-@TB%+6SUVQF^U6L(VQ^9%\RR!1P#@XX]_6@#II/'_@^&5XI/$^DI(C%65KM
M 01U!YJY!XJT"ZTNXU2WUFQEL+=MLURDZF.,\<,V<#J/SKR7P)K>FV.CWL%U
MX)U?5I1J5R?M5KI:3H1YAXW$]170^.+NTOO@IXAN+30[K1T90#;W5J+=R0Z?
M-M';W]J .L3X@^#9'"KXIT?)X'^F1C^M=$CI)&KHRLC %64Y!'J*\FO/&WA.
M/3+>PN?!.I23W<8@@@N-)6(7#E?NAGP.?6NR^'&BZCX>\ :3I>JMF\@C;>N[
M=Y8+%@F>^T$#\* .@O\ 4;+2K-[O4+N"TMD^]+/($4?B:S]'\7>'O$$S0Z3K
M-E>2J,F.*8%@/7;UQ[UR-W:0>*?C++8:K&MQI^B:='/!:R#,;3R-_K"IX)"\
M#/2I/BGH=E!X0N/$%C!%9ZOH^VYM+N% KJ5894D=5(R,'B@#K-5\4Z!H5PEO
MJVLV-C,Z;UCN)U0LN2,@$],@TFE^+/#VMW1M=+UNPO;@(7,5O<*[!1@$X!Z<
MC\Z\VU_6+9/BOH^H7F@WFK1W'AL-]EM+07#H6ESNVGL.F??WKN?"FH:;J<US
M):>%;_19(54%[W3EMC(&SPI'7&WGZB@#<U+5=/T:S-YJ=[!9VP(4RSR!%!/0
M9-9EIXW\*7]REM:>(]*FGD.$C2[0LQ] ,\FN;^,\D47@:&2<9B34K5G&W=E0
M_/'?CM7.>+]<\&^)?#%[I.@>'YK[5KE-EJL&D/$T<A/#[V0;0.I.>E 'L4\\
M-K;RW%Q*D4,2%Y)'.%50,DD]@!4=C?VFIV45Y8W,5S:RC,<T+AE89QP1UY%>
M?>/)[B+PAH'A*ZO%6_UEX;.ZG+XQ$BAIWR?88_X%4GP_N[71_%/B'P?!-$]K
M%+_:.G"-PRB"4_.@QT"OQ_P*@#L]8\0Z-X?B675]4M+%7^YY\H4M] >3^%&C
M^(-'\00--I&IVM\B'#F"4-M/N!R/QKB/A_I]IXCU?Q%XJU2".ZOCJ<UG;><H
M?[-!%@*J@_=)R22.M1Z;KGP^U/X@Z=J&BZHUOJ\D<EN8(+22)+P$9Q)E #MQ
MD'([?2@#K;KQSX4L;N6UN_$>EP7$+%)(I+I%9&'4$$\&KVD^(=&UX3'2-4L[
M[R<>9]FF5]F<XSCIG!_*O)O#VKZ?I_B+QE'=^$-4UIVUV=A/9Z:MPJ#"_*6)
M&#WQ[UZ7X4OK+4+:XFL_#E[HF'"M'>62VS2<9! !.1S0!KWFHV>G"$WMU#;B
M>98(C*X7?(WW5&>I..!35U33WU1]+6]@-_'&)7MA(/,5#_$5ZXYZUQGQ4_X]
MO"?_ &,UE_-JY/Q-I.J7/Q:UK6="=O[7T>QM;F"'/RW"?,)(B/\ :7I[@4 >
MPSZA9VMU;6MQ=0Q7%T66"-W :4@9(4=\#FL1_B#X.C=D?Q/I*LI((-VF0?SK
MD[_7[+Q/XG^&NKV#9@N)[L[3]Z-O((96]P<BI?BEH^F06'AYXM.LXVD\06:N
MR0*"P+'(/'(- '7P>,O#-U975Y;Z_ITMM:!3<2I<J5BW'"[CGC)X%5O^%B>#
M/^AITC_P,3_&N?\ BYIUC8?"7Q#]CL[>VWI#N\F)4W8F3&<#GK4$?B;11&O_
M !;+Q">!S_84?_Q5 '>G6]*6:QA.HVHDU!=]HAE&9UP#E/[W!!X]:FOM0L]-
MMQ/?74-M"75 \KA1N8X R>Y/%>6?$K0#XB\:>#M.M)GL)_LEY+:2(-I@E18V
MCX'0 @ BH?$OB=_$OPQ07L7V?6+'5K2VU&V/!CF65<D?[+=1_P#6H ]%OO&O
MA?3+V6SOO$&F6US$<212W**RG&>03Q3].\8>&]7N3;:=KNG7<X0N8X;A7;:.
MIP#T%8'Q2TO3C\//$5X;"U-U]D9O.\E=^>.=V,UK:1I6G6OA2VN+>PM8ISIZ
MYDCA56.8QGD#- &U9ZA9ZC8QWUE=0W%I("R31.&1@."01QV-8T7CWPE/J L(
MO$>F/<EMH07*\GT!S@GVKRRQEENOA#X \/K*\5MK5\MM=LC;2T(=V9 >V[ %
M>LW/@[P[=Z(VCR:-9"P*;!$L*KM&.H(&0??K0!HZCJFGZ3 D^HWL%I"\@C5Y
MY BECT&3W.*FN+B&TM9;FYE2*"%#))(YPJ*!DDGL *\&O/,U_P"%>BZ)JD\E
MPMOXICTEYBWSR1*[*#GUVMC/M731ZQ>VW@3Q?X-UV4OJ^DZ3<^5,W_+Y:F)@
MDH]2.%;W]\T >J07$-U;17,$J2P2H)(Y$.592,@@]P15?3=5T_6;3[7IE[;W
MEON*>;!('7(ZC([UY]K&M2:/\#]&BM9%2_U+3[33[4LV,22QJN<]L+N.?:HO
M!@L/!WC^?PK8W44NF:E91W5IY;A@)XE"2CCNRJ'/TH ])@U&SNKRZM(+J&6Y
MM"HN(D<%HBPRNX=LCD47NHV>FQ1RWUU#;1R2+$C2N%#.W 49[GTKBO!W_)4/
MB%_UVL?_ $0:/BU_R+^C_P#8<L__ $.@#O68(I9C@ 9)JMIVI6.K627FG7<%
MW;.2%E@<.I(.#R/>K5>4:Q<W?PJ\1W=UI]C)=Z+K[$P6D0_U.HD?*H'99/;N
M/:@#TR/4[&;4IM.CO('O8$#RVZN"Z*>A(ZC-.N=1LK.XMH+FZAAFNG*0([@&
M5@,X4=SBL'P3X8D\/:7+-J$HN-;U&3[3J-S_ 'Y#_"/]E1P!_C61X]_Y'/P%
M_P!A.3_T4: .^KFC\0_!H)!\4Z0"/^GM/\:Z4]*\*^&VNZ99>!+""X\"ZSJD
MJO-NN[;24FCDS*YX<G)QT_#% 'KT?BG0)='EU>/6;%M-B?9)=B=3&K9 P6S@
M'D?F*HCXA^#20!XIT@D_]/:?XUQ_Q'N;6[^".I7-KHUSI43S0DVEQ;""0$7"
M#)0>N/RQ6I8:[H=]J%O:#X=ZU;F:14\ZXT-$CCR<;F;/ '<T =%=^./"EA=R
MVEWXBTN"XB8I)%)=(K(1V()X-3Z7XK\/ZY=-:Z5K5A>W"H9#';SJ[!00"< ]
M,D?G7)_&#2M.7X9Z_>+86HN=B-YPA7?DR)SNQFNSTO2M.LH8IK6PM8)3$ 7B
MA56(P.,@4 .U76]+T*W2XU;4+:QA=]BR7$H0,V"< GO@&JVF>+/#NM7/V;3-
M<TZ\GQGRH+E';'K@'-<;\7YH[=/"4TMG+>QIKL+-;0QB1Y1L?Y0IX)/I7.^(
M=5TK4M<\,I%X5O\ PP\>JPRG5;^P%LH"YS$&3.2_3#$#UH ]C34;*349-/2Z
MA:]CC$KP!QO5#P&(ZX/K5FN!TW_DN>N?]@:W_P#0S7;WUY!IUA<7MRX2WMXF
MED8]E49)_(4 11:MIT^J3Z9%?6[W\"AY;99 9(U.,$KU Y'YBENM4T^RO+2T
MNKV""YNR5MXI) K2D8R%!ZXR.GK7B&G7D>BIH?Q$N+N 7FHZE*VJ1"4%DM+@
MA4!&<XC"1G'O72?%70CXE\:>"M,CN7MII5OW@N$.#'*D:.C?@RB@#TV^U"ST
MRU-U?W4-M;J0IDE<*H). ,GU) H&HV9U,Z:+J'[<(O/-OO&\1YQNV]<9XS7D
M?B?Q/-XA^$=_!J,8@US3;ZUMM1M^FV03I\P_V6'(/3KZ5/XJ\1R^&_C/--9Z
M=/J.HW'AY8+.TA4DR2>>S<GLH"DD^U 'J%YK6EZ?>0V=YJ%M!<SJS10R2 .X
M')('4@>M,TG7M(UZ.232=2M;Y(B%=K>4.%)Z XZ5Q_PQL;'4]*/BZXN_[2UO
M4@5N[B1<&WQUMU7^!5Z8[]?2I? \:0^./'D<2*B"^M\*HP!^Y':@#O**** "
MBBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHH
MH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ KA9/^2[P?\ 8M/_
M .E*UW58NI^$]#UC5[75;^P6:^M0%AF\QU*@-N P" >>>: ,WP5H-_HEUXGD
MO415U#69KRWVN&S&P7!/H>#Q530_#6I>%O'-^=,C1O#&J W#P[PIM+GN57^Z
MWMWQV%=O10!Y5X.@\?\ A#PQ;:(GA*RNUMWD83'5E3=OD9_N[3C[V.M:OB73
M_%'C#P'=6-WHMOI^HF[@:.%;U95:-)$8MNP,'AN/:O0** ///$G@G4=3^(%G
M?6IC&BWGD-JZ%L%VMV+Q<=\DA3["H-8\,>)1>^/KC2H8O-UR.T@LW:8+A5C*
M2L?3 )Q7I5% '(VOPQ\'6^EPV3^'=-E,<*Q-,]LGF/A<;BV,[CUSZUR\/@OQ
M-_PA6A:#<1Q2R:-KT,L<IF'[RSC8E6]B <;?85ZM10!RMCH5]!\3=6UQT06-
MSI\%O&P89+JQ)&/QKFKOX=W]I\5=+UW260:(US)=W=L7 \F<QE"ZC_:R,X[C
MZ5Z?10!YI:6?C3PWXI\2W6F^'+34;35+P7$<DFHK"0 H7IM-:OA_P[KEWXMD
M\5^*/LD5VEM]ELK&T<NEO&3EF9B!N<]..,?IVU% 'EOABW\>>$M/N=-@\*6=
M[$]Y-<),VJ+&2'<D?+M/\ZT_$5GXJ\7_  \US2[S0[;3[^=42VC2^699!N!)
M+8&WI7?T4 86N^&;3Q+X3DT/45^62%5#CDQ2 ?*Z^X/-,\&)K\'AN"T\2JAU
M&V)A,Z2!Q<(/NR>Q(ZY[C/>N@HH XSQ)X=UB'Q-;>+/#)MWU&.W-K=V5RQ1+
MN'.X ,/NN#T/^3F:MIOB_P >PQZ1J^DV^@:(TBO>XO5N)[E5(;RUV@!02!DG
MG^1]&HH Y)O#]Z/BK;:['$@TV+16LLA@")/-# ;?3'>NMHHH Y/XA:#?^(O#
MUO9Z<B/,E_;SL&<*-B."W)]JZRBB@#A[KP:?$7Q"N]4\0Z?:W6D6MFEMIT$X
M6169CNDD*GH<@*/:J^K> X]*\2>']=\(:596DMI<M'?0P*L(FMG&&)Q@$KC(
M'O7H%% 'GS:)XF\'Z]J=]X8L[75=*U.<W4^G33^1)#.?O-&Y!7#8R0?PI(=)
M\6>*/%FC:QKMA9:+8Z1(\L5JEQ]HFE=EV_,PPH'TYKT*B@#S+2K3QMX7UGQ&
M;#PS::A:ZCJDM[%*^I+"0K8 &W:?3]:Z_P /:CXCOI)QKN@P:6B@&)HKX7&\
M\Y!PHQCC\ZWJ* .3\=Z#?Z]#H"V"(YLM:MKR;<X7$2%MQ&>IY'%.T[0KZW^)
M>M:W(B"QN[*WAB8,,ED+;LCMU%=510!YA/\ #N_L?BQI>NZ4R#0C/+=W5L7
M\F=HRC,H]&^7..X/M71^/=!O]?LM%BL$1VM=8MKN7<X7$:$ECSU//2NLHH Y
M7XD:'?>)?A_JND::B/>7*QB-78*#B16/)]@:H+KWQ!5%7_A!['@8_P"0TO\
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MMN(SU/(XKK** "N(\?:/KE]J7AO4]#L(KV72[MYY(9;@0A@4VCYB#_*NWHH
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M;A@\N'9MY P"2Q- &O1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MT-S<0:?))%&R\MEE!Z YKI;6Z@OK2&[M95EMYT62*13D,I&01]10!1_L1?\
MH(ZE_P"!)H_L1?\ H(ZE_P"!)K4HH R_[$7_ *".I?\ @2:/[$7_ *".I?\
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M=:6ECJMW<V@0S?8[)Y53>-RY(]10!?\ [$7_ *".I?\ @2:/[$7_ *".I?\
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MUM]J2)A@.F2.#W/!X].:LVNK6MYJ>H:?"S&XL#&)P5P 77<N#WXH A_L1?\
MH(ZE_P"!)H_L1?\ H(ZE_P"!)K4HH R_[$7_ *".I?\ @2:/[$7_ *".I?\
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M)C:&R0/0$@'!INH^-]'TR\NH)OM;I9D"\N(;5Y(;8D _.X&!P03Z \XH O\
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M%.5'/05U[Z;82V'V"2RMGL\!?L[1*8\#MMQC%/M;*ULHS':6T,"'&5BC" X
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MP[8KLI=*TZ>^COIK"UDNX_N7#PJ9%^C$9%6%AB2625(D623&]PH!;'3)[XH
M\XUW0&U[XAZN+686^IVFEV5S87./]5,LL^,^JGE6'<$USD?B&YU(^);V07&E
MK-JFFVNJ[6*/:H%"3 ..@R,;AV.:]I$$2SM.(D$S*%:0*-Q S@$^@R?SIGV.
MUS.?LT.;C_7?(/WG&/F]>..: /-;K3?,UO6="\*W\H@_LE;M5CN6E2"\64&+
M!).W> =RYY SCFJ&I^(]1U[PUK?BS39IK:V$5I80_O&C$2ET:YD) )4C?L+
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M:H)^10,D#.!5_P 93>('-I8:1IU[+9S[C>W5E)"LR*.B)YCK@MS\W. ..3D
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MD9UP3V5@>>.:7Q/X:U*^US4+NSLUE@-MIS+$751<M!<O(\1R>,J5 )XY'/7
M!V.FZMIVL6[7&FWUO=PJVQG@D#@-Z''0]*N5SVG75\]Y<WI\-/:+<S1199XA
M.RA2#))AB-J\  $MUXKH: "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH *@N;&TO&A:ZM89S!()8C+&&
M\MQT9<]#SU%3T4 %%%% !1110 4444 1^1#]H-QY2>>4V&3:-VW.<9ZXSVJ2
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
:HHHH **** "BBB@ HHHH **** "BBB@#_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>24
<FILENAME>ex97-ibcrpolicy2023x11x1009.jpg
<TEXT>
begin 644 ex97-ibcrpolicy2023x11x1009.jpg
M_]C_X  02D9)1@ ! @   0 !  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" 55!!\# 2(  A$! Q$!_\0
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M4?\ "H_ 7_0MVO\ WV__ ,57:T4 <5_PJ/P%_P!"W:_]]O\ _%4?\*C\!?\
M0MVO_?;_ /Q5=K10!Q7_  J/P%_T+=K_ -]O_P#%4?\ "H_ 7_0MVO\ WV__
M ,57:T4 <5_PJ/P%_P!"W:_]]O\ _%4?\*C\!?\ 0MVO_?;_ /Q5=K10!Q7_
M  J/P%_T+=K_ -]O_P#%5;TSX;>#]'U&#4-/T*W@NX&W1RJSDJ<8[GWKJJ*
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M0&O;[WP!H-YX'7PAY$D.EJJA1$_SJ0V[<&(/).<GW-4[SX7>'+U/#B2I<;=
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M[85$RED? &%)7[N .N3[T <S<PZSX0^*7A&(>)=5U"/6A*M[%=S;HRP4<H@
M"C+< =,=:S=-CUCQS;^-=?NO$^J6+Z=/<6]I9V\VV"-$4G$B$88$<'IT)^GJ
M^J^$=.UCQ!HVM7+W NM(+FW". AW  [ACGH.A%8.H?"7P_?ZW>ZB+G5+5-0.
MZ]LK6Z,<%RWJZ@9/))QG% $/P0_Y))HW^]/_ .CGKFM3N-1U?QO\3-'EU?4(
MK*#2XI(8XK@@1$1HYVCH-V"#@<ACZUZ?X7\-V7A+P];:+ISS/:VY<H9F#/\
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M]]IDD&J2W%E,T$WDVF]0RD@\@^QK6TOXC^&]9\-ZEKMC<RR6VFH7NHS$5EC
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MTBN([:Y7?$)TV,5SP<9Z'J/:M*@ HHHH **** "BBB@ HHHH **** "BBB@
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M>D>+?'>FP_ZNTN+6!?HJR#^E>O4 %%%% !1110 4444 %%%% !1110 4444
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M6#67#WJB9OG(8L,'/RC)/ KK** .0USX9>%O$4.G0ZE92RII]N+:V"W#KM0
M #@\]!R:B\/_  K\)>&-9AU;2K&6*\A#!':Y=P-RE3P3CH37:44 8FB^$M%T
M#1;C1[&TQ87+N\L4CF0.7&&SGL0.E+X8\*:1X/TR33M%MV@MI)C,RM(S_.0
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MTM8;9[4"-FD<NKE^%R2!M'..,\T =Q165+XET6'05UR34[8:6RAENO,!1LG
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M:YR=H520Q]>""/PH TJ*PM/UI+C6-8$FIV;V5M#!,L84H]NKHS%I">,$#(]
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M\-Z9+;FZ>[N;BXDNKJY=0IEF<Y9MHX4= !V K5EM;><$3012 D$AT!SCIUH
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M\^VE7(()0,N&']X'IQ2^&_#/]B17\MY>?VA?ZC<?:+NX:((K, %553G:H"@
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M:GT>]U'4]0U 7VJ:AY8FE2$0QHD8(1$3)P!D]22<UNQVMO%*\L<$22/]]U0
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M)(XF/1APV!M&1Z8[5Z'Y,9C,?EIY;9RNT8.>O%)%;PP*JQ0QQA1M 10,#TH
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M'./2FF&-E=3&A5_O@J,-]?6@#R&VU)KSXL^&/,\36VOND%XK/96R1PQDQ@A
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MJ'B$W_@#7@NLZ5HZR_:XQX>M;-7NB^6!$FYBV3]XL%& <Y&./>E544*H 4<
M <"HA:VXF>801"5QAGV#<P]": *'AAQ)X2T9P=P:Q@(/K^[6M6D50JA5 "@8
M  X%+0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MW589[@J76/:REU'4KN W#W&:;XP\2-X:TB&6WMA=:A>7,=G96Y;:))G/&3V
MP2?I7 17-MK?B/PLD?C:/6I8;H7-O!IVG1*T*!2&\PJ^8T*G:0><D<'%=3\2
M;6Y%AHVMVUO)<_V+J<5[/#$NYVA *N5'<@-G\#0!%>'XAZ+;+JCW>FZT%93<
M:7;631-M) /E2%R6(Z_,.<5T.L>+=#\/M FJWZ6TLZ[XX2K/(1W.U03@>N,5
M@:I\4M 72E?0+R#6=5N,)9Z?;-F21ST# <H!U).,8JC:ZI9>'OBAKUSXEN+?
M3WU"RM&LI[B0+&412)8U=L#(<YQU.0<4 =?)XKT&+1[?5WU:U&G7+A(KG?\
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M>SM(+"QM[.V01P6\:Q1H.BJHP!^0JAH7B;1_$D<[Z3>K<>0P29"C(\9/3<K
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M.A::XC:-XW10I;)5P#@@'G&*K^&O$XF\/^'O[<NHEUG5K=9D@BC.6R-W"C.
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M>GU73P':Q(N)H2H/G0KS(H]#MR0?4#M7&_#R\O?%VNOK^I0NDFD62:4%<?\
M+SPURP]\A%_.NON==TK5?!>H:M:7*SZ=]EG)DVE00@8-P0#P010!L6EU#?6<
M%W;N)()XUDC<=&5AD'\C4U<U\/8)[?X=>'8K@$2KI\.0>H&T$#\L5TM !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
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M,;L $\\$^N:UZ* $50JA5 "@8 '04M%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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MZI FY+D1R L5(Y<1KU/3FM&7Q'I7B'XL^%CI%Y'>0P6E[OFA.Z/<RI\H;H2
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MQD'YAP8PF""3CC/6K.NZA9:1?^*&TSQ*FF3FXDDN] UJU26*^<J/FC&=Q60
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MOY;EO.++M3(&,;23GIGC(Z5D>$_BEH]UX?L6U[5H(M2ED>.7;$PC0^:RH&8
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MTFFLE!EMU,H\F3G^%$2,G@\ \5Z@L,2;]L2+O^]A0-WU]:<JJB!%4!0,  <
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M;Q(4*$(2"/E/3CM6-\2H[K3O$2BR5_\ BJ;(:,Y0?=E\U=KG_MG)+_WS7JH
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MYCN;689CEC.0W^>F*Y;5=<UO5?%L_AGPW-;69LH$FU#4+B(R^5OSLC1,@%B
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MP!'3N*P?'7B*;PSIVF7D<T,,4NJ6UO<R3#Y5A9OG.>W Z]JVWUBPCUN/1FN
M-0E@-PD.TY,8."V<8ZGUKD/BO+;V^A:+-=Q&6VCUNT>5%0N60,21M'7CMWH
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M]QA2"0V.^?I6>;2UG\,VUQ%=75_::AXQM9#-<VJ0I<$NJL\:J>4;'7 R<\4
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MRWFG6DDS12PO&\;!"5+(X!P2/2LWXBZNVF7GAY =/LUGNG']KW\'FQV)"'!
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MC.>U1Z1XS\/Z[??8=.U 2WGEM(;=HGCD500"65@"/O+UZYXH W0B@ !0 !@
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M8)Y_)$2!$!"(B G &3W).:CM?B!X6O=1CL;?5XGEED,43^6XBD?^ZLA&QC[
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M(O'B9O,6!E\XJ0&*HN[NR\<GFHW^(?A6.ZMK5M63[1<^5Y40BD+-YBAD.-O
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M*VH0V\,UQ%M(*B1<@\\$'!Z9JSI^J66JK<-93B9;>=[:4@$!9$X9>>N#Z<4
M63%&T@D,:&11@,1R/QI]%>=>+?'6HZ-XL2*R2)M&TM8'UIV7+()WV+@]BH^<
M^QH ]#"*-V% W=>.M$<:1)LC147T48%59M5L8-3M-.EN%6[NT=[>,@_O F"V
M#TXR*K0^)-'N%U1HK^)ETIF6^//[@J,G/'8 ]/2@#3=$D0I(JLIZJPR#2A%
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M*2/?[P_.N8\36-U=6OC]+-9#'#K=G<7"11[R8ECC9R$Z-C[Q'?%>V*BH %4
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M6AU)?L5DVRY=XW1H3QPR, PZCM2Z9XU\.ZQJ2Z?8ZDLERZLT2F-T$P'4QLP
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M:  R0R1/%(H/0E' .#ZXQ6?_ ,+'\(^8R?VS'@/Y:R>5)Y<C;@N$?;M<Y/\
M"3Z]!7$11?\ "1^(KUM,\4W&O:A'HMS MU;6L,=O'Y@PJ/(A&6W88#G&">*H
M:UXE\/2_"'2="1T&JV[64+V)0B6VECDC#EUZKT8;CUW>] 'L=MJEE=ZA>V$$
MX>ZL2@N8P#F,NNY<]CD<\5CR^([6^DT*XTS6+=;2]NY(</"Q-SL#AD4X^4AE
M/)_NFN;MO$.E>%_B7XP_MN\2R^VK9S6OF@CSU6'8VS^\0PQ@<US?AAF?P_\
M#=FC="=<O24<8*_-<<$>M 'I=MXY\-7FMC1[?5(Y+_=(IB6-_E,98.&.,+C:
MW4C..*98>/?#&I:C'8VFJI)-*Q2$F-UCE8=0DA 5S_NDUQVBZ;<WOPT\<VVF
MQ_Z==:CJ:H%X:1BQ 'U(&*P([JSU?0-!TC_A,;J[E\ZV6+2+338!<6TD9!^8
M<% F#EB1P#US0!ZKJGC;P[HVI'3K_4TBNE4-(HC=Q$#T,C*"$!]6(J+P!K5Y
MXB\"Z3JVH,C75S$7D*+M&=Q' _"N6T?6]'\+:MXQL?$DR07=WJ4EU$DRY-Y;
MNBA%C'_+3&"NT9YK:^$XQ\+M!&TK^Y;@]OG:@"G9_$C3[+6O$-EKU^D7V*_,
M4"QP.Y2$1H=S[ <#+'YC@?E771:]I<]_:V45[%)/=VYNK<+DB6(8RRMT/4=\
M\UY[H/BCPYX>\2>.$UFZAM)9-3+AIEQYZ")!L7^^02?E&3\XXYJA;:;>>'OA
MCX5\1SV\L-UH5RUS)"P^=;.:1@Z8]1&ZG';90!ZM;ZI97>HWFGP3A[JRV?:(
MP#^[WC*@GIDCFKE<)X2O+;P_X'N/%.OR_96U6<ZC=.REO+$K!8EP 3POECVY
MKMYG,<$DBQF1E4D(.K''2@#FY?B+X3AO#;2:N@(E\DRB&0PA\XVF4+L!SQ]Z
MK6K>-/#VAWKV6H:B([M$5S L3R2%6S@A5!)^Z>G3'->*ZWKQU+X57D:Z_8VK
M21-CPUIE@@:WP^2LF<LH7!8MA17IFC+%+\7M5N %9O[$M C]>"[DX/O@?E0!
MT/\ PE_A\^'!X@_M2#^RCTN,G!.<;<8SNSQMQGVK$TOQS!KOQ!BTK2[I9=/_
M +,DN)D:%HY$E$B*,A@&'RMT(YKAXP+.%=4N(V.DZ9XUO)KL*A81*=RK(0/X
M58@^V:Z;3M;T?7?C5%<Z1/%=(FA2QR74/*.?.C(4-T8@'G'3=0!V&O7[V,VD
M*FH06?VF_2!EEB+^>"K'RUQ]UCC.3QP:S[[XB^$].GG@N=719+>1HIU2&1_*
M93@[]JG:,]S@>]4OB#_Q^>#?^QA@_P#1<M9GAB"(Z#\0V,:DR:QJ <D?>'EK
MP?S- 'HL,T5Q!'/#(LD4BAT=#D,I&00>XQ7.:C\0/"^DWD]I>:H%DMVVSF."
M21(3Z.ZJ54_4BE^'A)^''AO/_0-@_P#0!7F=[XA>\T/Q- =;LM$E::[B_P"$
M?LK!&NIVY&7W9)+]2P7&#G- 'MT4L<\*31.LD;J&1U.0P/((/I7,W'Q'\(VM
MPT$VLQJZ2F&0B)RL3ABA#L%PGS C+$ U9\".)/A]X<93D?V9;<^_EK7GJPQK
M\'?'S"-=SZAJ3,<=2)" ?T'Y4 >AZ?XV\.ZKK']DV6IQRWA#%$V.%D"_>V,1
MM?'^R35>]^(?A73[R6UN=656AD\J:189'BB?IM:0*44^N3Q6)J\21>(?ALL:
M!52255"C&T?96X'Y5PFH^(7U'P#K<9UNRTJ21;I/^$:L+!//4Y;(DSEN?O,P
M4  DY% 'L.K^,= T.Y6VU'44BN'B$R1*C.\B$D J%!+<@\#)XSTI(O&?AV;0
M1K::K#_9IE$)G8%0CE@NU@1E3DCJ!C-<CX=6.?XDZ+/A7(\'Q%'ZXS*.1^%<
M[J\,<FA^,(6C!B?Q?;AD(X(+09X]Z /3]&\:>'M?OWL=-U%9;I4\WRFB>,LF
M<;EW ;A[C(J&7Q_X7AU-M/DU>,3)+Y#OY;F)).FPRXV!L\8)K*\41L?B=X-\
MDA)6MM24/CI^[CQ^M>::=-%:_#F3P]JOBR>VN562UN= 33H7N7D9CP@(W.6)
MW!\]\YH ]DUKQOX<\/7OV/5-32"YVHWE>6[L0Q(!PH/'RGZ8YK;N+B&TMI+F
MXE2&")2\DDC;550,DDGH*X+0+,0?%:X64.\T'ARTB\R8#?\ ZQ\YQD9.!G!K
M4^)]E=:A\.]5@LX9)Y,1R-#&,M)&LBLZ@=\J&X[T 7M'\;^'=>OA9:=J(DN&
M0R1H\3Q^:HZLA=0''NN:A3X@^%7U(6"ZQ$96E\@/Y;^49/[@EQL)]MU8NH>)
M_#_B>2RT_P /K!JFIR6\YMIH /\ B79B(WN?^6>20N.#S7*S:]H<WP4C\)PA
M3KQLTL1I 3_2!=# )*=1\X+[NG?- 'I6J^-_#NBWLUE?ZD([N$*SP)$\DF&!
M((55)(P#DCIWQFI)?&/A^+0;?7&U.(Z=<L%@E0,YE8Y^55 +%N#P!G@^E<[X
M6MFC^)_B4W&'N8M-T^-I.I)VONY]R!^5<C;+IL7A*"2^O+[2O(\27IM=4M44
MI9/OD ,@;C8<E>F.><4 >A7GC'3-0\*ZKJ&CZU!;-9KB2>XMW_T9N,%XB WZ
M5:U7QIH&A3I:ZCJ&VX,0E9(H))2J?WF"*=HX/)Q7ENIZO=ZAX-\>6\EYI^M0
MQ641&N65J(OM#9_U;E<JY48Z' S[UMZ_<V.G>+[NXMO%,OA?5'LX#*]]#'):
M7Z*#MVACDE<E3@@\\ ]: .BUWXAZ=I6J^&X()XIK/5F9WG1'D BV,59=HY)8
M =\#/'>M/5?'7AO1;^2QO]36.XB :94B>00@]#(54A/^!$5Y\NN+%IOPYUS6
M+6VTBUCO+E9/*B,4" Q2*C!?X0_# 'UJI9W9T#4/%=IJWC :'-)J5Q<FUFL8
MI#=1/RCH7&7ROR[1G&,8H ]4U7Q=H.BK;-J&IPQ"ZC,MN0"_G*-OW=H.[[RX
M Y.>*Q=8^(VD0>"=4U_2+E+MK,&,1/'(I$V.%=2 R_B!]:YC0=-CLM?^&UML
MNRD.G7[1"^C"3("$V[E!(4@-C&>E,\1PL\WQ;2*,LS6%HVU1U/D-D_D* /3]
M&U6#6-%MM2@<O%-'NSY;+R.#P1GJ#5-_%V@1:%;:V^I1+IMU(L<,Y#8=B2 ,
M8R.0>H[5/X<U.RU?P[8WNGW,=Q;/$ LB'()7@C\""*\CNO#TVM>(-4^'YC86
M=@]]J=N2/D GC'D ?[LDTI_X#0!ZAXE\06NFV5]:IJL%CJ,5DUV))HFD6*,-
MMWL .1GC'4UFQ^.H/^%A1>%V=64Z>LWFB&3+3,PPHXP%V\YZ9.,Y&*\_2[N/
M$OPQ\9>+;R-TFNM/CL8E<<JL,8WX]C*TGY5UL=]:Z?\ %W31>3+#]L\.1V]N
M7X$L@F)V ^N.<4 'A#XI:/>^'=,;7-5ACU2X)27;"XC1RY"JS ;4)&."1UKT
M6O%8H(T_9<G"QJ-UM(YXZMYY.?K7K46L6!U=-%-P/[2-H+OR=ISY6[;NSC'W
MN,9S0!B^.?&$?A"PL)BJL]U>Q0?,CL!&7 =OE'4*>!W/KTK+/Q%L;'QAJMGJ
M=\L>GI:6L]DJ6[M*_F*Y8[5!8C 7MQGFIOBG*EMX;T^[F.VWMM7LIII,<(BR
MC+'V%1>&Y;6^^*OB34+=HYHY=-L&AF7D,CB0Y!]#A3^ H Z4^*]!'AU?$']J
M6_\ 93#*W.?E/., =<YXQC.>,4:)XIT;Q"\T>F7GFRP8,L,D3Q2(#T)1P&P?
M7&*\>N+>XC\.V5\EQ)::?I_BV\DN)XX!*+8;W"2%"""JD^G&<UU?AB2VU7XC
M1WT'B>XU^:UT]XY+FWM(DMT1F!$;2)C+9&0.<8/2@#?^(&L:MI-EHL6C7,5M
M<ZCJ\%B9I8?-"*X?)VY&>0.]96J:GXP\&RZ;>:IJ^G:OI]S>Q6<T26)MY4\P
MX#(0[ D'L:D^*]HM]9^%;1I9HEF\16J&2!RCJ"L@RK#D'WK3L?AWHMKJ5M?W
M%QJFI3VK^9;_ -HW\DZQ/_>56.,^] %O5O'7AO1+^2QO]35+B)0TJI$\GD@]
M"Y12$_X%BH-0\0S+XS\+6%E-#)IVJ074LCKAMX1$9"K>GS'ZUS/A[Q#HGA*Y
M\5V/B6ZBLKV75;B[VW YNH'P8RG]_P"7Y=HSC&,5E^$K&[T_4/AI;WL$D$HM
MM4<0R##1HQ5D4^F%*C':@#N].\5Z?9>$+;5]8URUGBDE>,744+()6\Q@%1,;
MBPQC '.":GMO'/AN[M1<1:FNS[2EHP>)T9)7^XK*RAESV) %>8>'Y8],T3X?
M:WJ'RZ19W6I)<S,,I!))(XC=O09##/;=77WHT3XA6OB:QT:VCD:2VCC_ +8B
MQLEG7+1JKC[VPA3D<#.* .UGU2RMM2M-.FG"WEX':"+!)<( 6/'0#(Z^M7*\
MW^'=_<>+M6N_%M_"T36UI%ID2.N-LB@/<''_ %T(7/\ L5W>DZM8Z[I<&I:;
M<"XLYP3'*%*[L$@\$ ]0: +M%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% ###$91*8T\P# ?:,_G3F574JRAE/
M!!&0:6B@!H150(J@*!@*!Q3L#CCITHHH QO%7A]?%'AB_P!%:X-L+Q AF";B
MN"#TR,]/6M9(TCR5503]X@8S]:?10 QHHV=79%+K]UB.1]*?@9SCFBB@!,#G
M@<]:;'%'$NV-%09SA1BGT4 ,6*--VV-!N.6PH&3[TXHI8,5!(X!Q2T4 -:-'
M0HZ*R'JI&12A5"A0HVCMCBEHH , D''2@C(P:** &-#&T?EM&A3^Z5&/RIX
M P!@"BB@!"JL02H)!R,CI1M&,8&/2EHH :\:2ILD177T89%. P,#I110 C*&
M4JP!!Z@]Z2.-(D"1HJ*.@48%.HH :8XS()"B[P,!L<X^M.P,YQS110 FT8Q@
M8]*Q8?#D4?BR_P!=>82?;+6&V-NT8POELQSG/.=WIVK;HH 1E5U*LH92,$$9
M!I%1%4*JJ HP !TIU% ";1C&!CTKGKKPU<ZCXLM=6OM4,VGV+>;9Z<( HCF*
M;-[/G+8!8@8&"WM7144 %)M7=NVC=C&<<TM% #4CCC+%$52QRQ QD^].HHH
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M.1N&<&GT4 (RJXPR@CT(S36BC=E9T5BIRI(SCZ4^B@ P,YQS28&2<=>M+10
MBJJ+M50!Z 4N!G..:** $VC&,#'I054D$J"1TR.E+10 FT8Q@8]*JG3K=M77
M4V#&Y2 VZ9;A$+!FP/4E5S_NBK=% "$!@00"#U!H"A>@ [<4M% "8&,8&#21
MQI$NV-%1?11@4ZB@ (!ZC-%%% #6CC=E9T5BIRI(SCZ4[ SG'(HHH 0JI4J5
M&T]1CBJ&JV=]<:3);:1?IIMR<>7/]G$H09Y^0D \9K0HH R_#NAP>'-"MM+M
MW>5802\LGWI78EF<^Y8D_C6H  , 8%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 45Y5;_$_Q5JVL:Q9:
M#X'748M,O'M9)1J*1Y*L0#AE'7&>]=KX>US4[O2S<>)=*BT*Z,QCCMWNTDWK
M@$,&''))&/:@#H**B:YMUN%MVGB$[#*QEQN(]0.O8U&-0LC>FS%Y;FZ R8/-
M7?C_ '<YH LT57N[ZTL(Q)>74%NA. TT@0$^F33GO+:.%)GN(5BD(".S@*V>
MF#WH FHJ)[F".989)XUE8$JC. Q ZD"N4TWX@66NV_B,Z1 9I]',D:12RJGV
MET4GY3DX4D ;CZYH ["BLC0=9?4])LIK^&&RO[B,NUF+A9"O)Z$?>''45IBX
M@-P;<31F8#<8]PW >N.N* )**K0:A974TD-O>6\TL7^L2.569/J >*34=0M=
M)TVYU"]E$5K;1M+*Y_A4#)H M45Y/!\4O%NJ6,FMZ-X GN=!3<5F>[5)9$'5
ME3&3T[!OK6Q??%C2(OAJWC&QB-P"1&MH[A'\W<%*GKTSGC/&/6@#T"BO*]1^
M*FKZ9IFB1S:)8-K.KSLD,":BIBCC 7#.^."2V,>QY[5UVA>(-9U#7KC3M1T:
M"TAAM8IA<17BR[Y&52R;1R "Q&[OC/>@#IJ*K)J5C)>-9I>V[72_>A$JEQ_P
M'.:+G4+*S>-+J\MX'D.$664*6/MD\T 6:*BEN8(&19IHXRYP@=@-Q]L]:+:Z
MM[R$36L\4\1. \3AE/XB@"6BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M))H7]AMI5H=+Q@6GE 1CG/3USSGKGF@#S77[[3]5_:#\(PV]S!=(MA<+*(I
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M\/:/='3_ #M-MF_LY@]F/+ $!&,% .F,#\JTJ "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHIDK,D+ND9D95)"*0"Q]!GB@!]%<I_PD_B#_H1-5_\  NT_^.T?
M\)/X@_Z$35?_  +M/_CM '5T5RG_  D_B#_H1-5_\"[3_P".T?\ "3^(/^A$
MU7_P+M/_ ([0!U=%<I_PD_B#_H1-5_\  NT_^.T?\)/X@_Z$35?_  +M/_CM
M '5T5RG_  D_B#_H1-5_\"[3_P".T?\ "3^(/^A$U7_P+M/_ ([0!U=%<I_P
MD_B#_H1-5_\  NT_^.T?\)/X@_Z$35?_  +M/_CM '5T5RG_  D_B#_H1-5_
M\"[3_P".T?\ "3^(/^A$U7_P+M/_ ([0!U=%<I_PD_B#_H1-5_\  NT_^.T?
M\)/X@_Z$35?_  +M/_CM '5T5RG_  D_B#_H1-5_\"[3_P".T?\ "3^(/^A$
MU7_P+M/_ ([0!U=%<I_PD_B#_H1-5_\  NT_^.T?\)/X@_Z$35?_  +M/_CM
M '5T5RG_  D_B#_H1-5_\"[3_P".T?\ "3^(/^A$U7_P+M/_ ([0!U=%<I_P
MD_B#_H1-5_\  NT_^.T?\)/X@_Z$35?_  +M/_CM '5T5RG_  D_B#_H1-5_
M\"[3_P".T?\ "3^(/^A$U7_P+M/_ ([0!U=%<I_PD_B#_H1-5_\  NT_^.T?
M\)/X@_Z$35?_  +M/_CM '5T5RG_  D_B#_H1-5_\"[3_P".T?\ "3^(/^A$
MU7_P+M/_ ([0!U=%<I_PD_B#_H1-5_\  NT_^.T?\)/X@_Z$35?_  +M/_CM
M '5T5RG_  D_B#_H1-5_\"[3_P".T?\ "3^(/^A$U7_P+M/_ ([0!U=%<I_P
MD_B#_H1-5_\  NT_^.T?\)/X@_Z$35?_  +M/_CM '5T5RG_  D_B#_H1-5_
M\"[3_P".T?\ "3^(/^A$U7_P+M/_ ([0!U=%<I_PD_B#_H1-5_\  NT_^.T?
M\)/X@_Z$35?_  +M/_CM '5T5RG_  D_B#_H1-5_\"[3_P".T?\ "3^(/^A$
MU7_P+M/_ ([0!U=%<I_PD_B#_H1-5_\  NT_^.T?\)/X@_Z$35?_  +M/_CM
M '5T5RG_  D_B#_H1-5_\"[3_P".T?\ "3^(/^A$U7_P+M/_ ([0!U=%<I_P
MD_B#_H1-5_\  NT_^.T?\)/X@_Z$35?_  +M/_CM '5T5RG_  D_B#_H1-5_
M\"[3_P".T?\ "3^(/^A$U7_P+M/_ ([0!U=%<I_PD_B#_H1-5_\  NT_^.T?
M\)/X@_Z$35?_  +M/_CM '5T5RG_  D_B#_H1-5_\"[3_P".T?\ "3^(/^A$
MU7_P+M/_ ([0!U=%<I_PD_B#_H1-5_\  NT_^.T?\)/X@_Z$35?_  +M/_CM
M '5T55TZYN+RPBN+JQEL9GSNMY71F3DCDH2O(YX/>K5 !1110 4444 %%%%
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 44
M44 %%%% !113)9$AA>60D(BEF(!/ ]A0 ^BN4_X6/X7_ .?VY_\ !?<?_&Z/
M^%C^%_\ G]N?_!?<?_&Z .KHKE/^%C^%_P#G]N?_  7W'_QNC_A8_A?_ )_;
MG_P7W'_QN@#JZ*Y3_A8_A?\ Y_;G_P %]Q_\;H_X6/X7_P"?VY_\%]Q_\;H
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M;H_X6/X7_P"?VY_\%]Q_\;H ZNBN4_X6/X7_ .?VY_\ !?<?_&Z/^%C^%_\
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 444C,
M$4LQ 4#))/ % "T5G_V[H_\ T%;'_P "$_QH_MW1_P#H*V/_ ($)_C0!H45G
M_P!NZ/\ ]!6Q_P# A/\ &C^W='_Z"MC_ .!"?XT :%%9_P#;NC_]!6Q_\"$_
MQH_MW1_^@K8_^!"?XT :%%9_]NZ/_P!!6Q_\"$_QH_MW1_\ H*V/_@0G^- &
MA16?_;NC_P#05L?_  (3_&C^W='_ .@K8_\ @0G^- &A16?_ &[H_P#T%;'_
M ,"$_P :/[=T?_H*V/\ X$)_C0!H45G_ -NZ/_T%;'_P(3_&C^W='_Z"MC_X
M$)_C0!H45G_V[H__ $%;'_P(3_&C^W='_P"@K8_^!"?XT :%%9_]NZ/_ -!6
MQ_\  A/\:/[=T?\ Z"MC_P"!"?XT :%%9_\ ;NC_ /05L?\ P(3_ !H_MW1_
M^@K8_P#@0G^- &A16?\ V[H__05L?_ A/\:/[=T?_H*V/_@0G^- &A16?_;N
MC_\ 05L?_ A/\:/[=T?_ *"MC_X$)_C0!H45G_V[H_\ T%;'_P "$_QH_MW1
M_P#H*V/_ ($)_C0!H45G_P!NZ/\ ]!6Q_P# A/\ &C^W='_Z"MC_ .!"?XT
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MH_\ T%;'_P "$_QH_MW1_P#H*V/_ ($)_C0!H45G_P!NZ/\ ]!6Q_P# A/\
M&C^W='_Z"MC_ .!"?XT :%%9_P#;NC_]!6Q_\"$_QH_MW1_^@K8_^!"?XT :
M%%1PSPW,*S02I+$WW7C8,#]"*DH **** "BBB@ HHHH **** "BBB@ HHHH
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M !-;=% &)_PAGA;_ *%K1_\ P!B_^)H_X0SPM_T+6C_^ ,7_ ,36W10!B?\
M"&>%O^A:T?\ \ 8O_B:/^$,\+?\ 0M:/_P" ,7_Q-;=% &)_PAGA;_H6M'_\
M 8O_ (FC_A#/"W_0M:/_ . ,7_Q-;=% &)_PAGA;_H6M'_\  &+_ .)H_P"$
M,\+?]"UH_P#X Q?_ !-;=% &)_PAGA;_ *%K1_\ P!B_^)H_X0SPM_T+6C_^
M ,7_ ,36W10!B?\ "&>%O^A:T?\ \ 8O_B:/^$,\+?\ 0M:/_P" ,7_Q-;=%
M &)_PAGA;_H6M'_\ 8O_ (FC_A#/"W_0M:/_ . ,7_Q-;=% &)_PAGA;_H6M
M'_\  &+_ .)H_P"$,\+?]"UH_P#X Q?_ !-;=% &)_PAGA;_ *%K1_\ P!B_
M^)H_X0SPM_T+6C_^ ,7_ ,36W10!B?\ "&>%O^A:T?\ \ 8O_B:/^$,\+?\
M0M:/_P" ,7_Q-;=% &)_PAGA;_H6M'_\ 8O_ (FC_A#/"W_0M:/_ . ,7_Q-
M;=% &)_PAGA;_H6M'_\  &+_ .)H_P"$,\+?]"UH_P#X Q?_ !-;=% &)_PA
MGA;_ *%K1_\ P!B_^)H_X0SPM_T+6C_^ ,7_ ,36W10!B?\ "&>%O^A:T?\
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M4 %%%% !1110 4444 %%%% !1110!PT7P]O;.[U"33?%^K6,%]>2WDD$,<)
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M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%8FJ>*],TB\-K=-*)0H;Y4R,&@#;HKF/\
MA/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT
M: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?
M:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[
M]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF
M/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\
M?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C
M1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\
MA/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT
M: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?
M:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[
M]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF
M/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\
M?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C
M1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\
MA/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT
M: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?
M:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[
M]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF
M/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\
M?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C
M1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\
MA/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT
M: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?
M:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\ ?N/^_1H Z>BN8_X3[0_[
M]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C1_PGVA_W[C_OT: .GHKF
M/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\ A/M#_OW'_?HT?\)]H?\
M?N/^_1H Z>BN8_X3[0_[]Q_WZ-'_  GVA_W[C_OT: .GHKF/^$^T/^_<?]^C
M1_PGVA_W[C_OT: .GHKF/^$^T/\ OW'_ 'Z-'_"?:'_?N/\ OT: .GHKF/\
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M7_H(ZE_X$FC^Q%_Z".I?^!)K4JK=ZC:6,UI#<3!)+N7R8%()WOM+8_)6/X4
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M<03\SL%4<>K,!^- %7^Q%_Z".I?^!)H_L1?^@CJ7_@2:TG=8T9W8*B@EF8X
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M=2\;:/I=Y=6\WVN1;/'VR>"U>2*VR 1YC@8'!!/H#DXH O\ ]B+_ -!'4O\
MP)-']B+_ -!'4O\ P)-4M3\::/I5U)!*US.885GN'M;9YDMXVSAW900 0"?7
M STK>BECGA2:)U>-U#(RG(8'D$4 9W]B+_T$=2_\"31_8B_]!'4O_ DUJ44
M9?\ 8B_]!'4O_ DT?V(O_01U+_P)-:E% &7_ &(O_01U+_P)-']B+_T$=2_\
M"36I10!E_P!B+_T$=2_\"31_8B_]!'4O_ DUJ44 9?\ 8B_]!'4O_ DT?V(O
M_01U+_P)-:E% &7_ &(O_01U+_P)-']B+_T$=2_\"36I10!E_P!B+_T$=2_\
M"31_8B_]!'4O_ DUJ44 9?\ 8B_]!'4O_ DT?V(O_01U+_P)-:E% &7_ &(O
M_01U+_P)-']B+_T$=2_\"36I10!E_P!B+_T$=2_\"31_8B_]!'4O_ DU)KFM
M6GA[1Y]4OO,^S0[0WEH78EF"@ #KRPK/T_Q;#J-_%:+H^NP-(2!)<Z;)%&N
M3RQ&!TH N?V(O_01U+_P)-']B+_T$=2_\"36I5+1]5M=<TBTU2R9FM;J,2Q%
MEVDJ>F1VH @_L1?^@CJ7_@2:/[$7_H(ZE_X$FFP>(;*:]L;,I<Q7%Z)VA2:$
MH2(6"N2#T^\"/4'-7;B\2VN+6!HIG:Y<HK1QEE0A2V6(^Z.,9/<@=Z *G]B+
M_P!!'4O_  )-']B+_P!!'4O_  )-6M/U&TU6R2\LIA-;N6"N 0#M8J>ON#5*
M]\3:7I_B&PT.XG*WU\K-"NTE> 3R>@)VMCUP: +EI8"S=F%S=3;AC$TI<#Z5
M;HHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "N
M1^*'_),O$'_7HW\Q775'/!#<PO#/$DL3C#)(H96'N#UH \ZO])AUKQ/XQ^VS
MWC)9V5NUM''=21K$YB<EP%(^;*CG_$U2TF>V\0W=BGBK4)$@'AVRNK</=M L
MCNK>=+D$98$)SVS[UZB+: /*XACW2@"1MHRX' !]>M5[G1],O((8+K3K2>&#
M'E1RP*RQXZ;01Q^% 'DSW$NL:T\#7D5[IMOI5M+8R:OJDUB[QL&W3_)'\[9
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M;6"7EK+;>9;P*NP2#!( Q[''?%7+#1M/TZ%TMK*VC:50)GCA53+QC+8'/XT
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M#9'^UGO75P:#H]K,LUOI-C#*O*O';HK#Z$"IK[3+#5(EBU"QMKN-3D)<1+(
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MM3*<R&"%4WGU.!S0!Y<FO:[K&E:A>P&9;_PWH\T$RKGY]0.Y6./XMJQ[@/\
MIJ*ATE]1L+S3;C2;O3/.N;"XD,4&K7%[)?XB+*[*T856#[3N)'4KWQ7KT4$,
M)D,44<9D;>Y10-S=,GU/ Y]JKVFDZ;832S6>GVEM+-S(\,*HS_4@<T >6:?#
MHOVOX>7MIJ<MSJ5W<>9<A[MI&F;[-)O=U).&5CCH,;B*Z[Q[=1#^QM->.>:2
M]NF"0"]^R0R[8V8B60 G;W"CDD#J*Z2+1],@NGNHM.M([AW\QI4@4.S8(W$X
MSG!//N:EO;"SU*W^SWUI!=0Y#>7/&'7/K@C% 'CEI/-/I&L:8FK65K%#KT,4
M$!OIY+63,(9K?SP ZJ6W'. -PQCG%=S\/;M)+;5;!;>:WDLKS9)%]M^UPH61
M6Q%)@';SG:>5)-=,=)TUK>2W.GVI@E"K)$85VN , $8P0!TJ6TLK6PMUM[.V
MAMH%^['#&$4?0#B@#RK4Y;2;2/&&K:CJEQ!XAT^[N$L@+MD>#9_Q[JD8."'^
M4]#NW'K6]X1TZ(?$#Q'>S0M'>FWLFD'F,0KO&Q<8)QU'X=L5V<NE:=<7T=]-
M86LEW%_JYWA4R)]&(R*L+#$DTDJ1(LDF-[A0"V.F3WQ0!YSKV@-KWQ$U5;:8
M6^I6NE6=Q87./]5,LL^"?53RI'<$US<?B*ZU+_A)KV47&E^;J.F6FJ[6*/:H
M $FPXZ#((W#L<U[2((A.TXB03,H1I HW%1D@$]<<G\Z;]CM<SG[-#FXXF.P?
MO.,?-Z\<<T >:76F"37-7T'PM?RK VD"["QW32I!>+*#"023MW@'(SR%SBJ&
MI^(]2U[PUKGBS399K:!(+6PB'F-&(@SHUTY(!*E=^S< 2OEL17J]CIUCID)A
ML+*WM(B=Q2")8U)]< 5)';00PF&*"-(F))14 4DG)X]R3F@#QV\-YIECXDBM
M+S3K: ^'KB=K6PU2>[(<#Y)@SH A^\/O9;@X.,UMQ>&;)O&NFZ;)/J$EI=Z/
M)=7<;7TN+B5'C4._S=?WC=,#IZ"N^MM&TNSMYK>UTVS@@GSYL<4"JLF?[P P
M?QJU]GA$RS>3'YJH45]HW!3@D ^G X]J /'-'2QU74/!T6O7\IC.G:A$IEN6
M0SE+A%5&;(+?*N<$\[13)+[4;F#1]-BN4N="DU6_A@DO;^2".YCCQY*-,H9F
M&?,Q_>V#DUZY-HVEW, @GTVSEA *B-X%90"=Q&".Y /U%2S:=8W%E]BGL[>6
MTP%\AXE:/ Z#:1B@#R5(KJZM+'2IM31K%O$RVPCT^_FE\J,V[EX/.94++G/3
M.-V,\<>L1:9:0Z2NEK$6LQ#Y'ENY?*8Q@DDD\>IIT6GV4$$,$-G;QPP-NAC2
M)0L9YY4 <'D]/6K- '"Z MAH^H^.O]$1-/M;B(FWAAR!&MI$2H0#GCL*JB\@
MG^(_AV^L]5BU6VOK:=8+=0O^@Q% WF+MQP2JH=^3R,$<BO0$@BCDDDCB17E(
M:1E4 N0, D]^ !5>STK3M/EEELM/M;:28YD>&%4+GW('- $UK=6][;)<VEQ%
M<0/RDL3AU;MP1P:\[;5](\6ZE#I5I>Z=8>';"\5G'FHCWT\;[@D:9XC#@$MU
M8C XYKO],TZWTG3XK&U4B&/.,XY))8GCCDDGCBJZ>'-#CD61-&TY74[E9;5
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M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "H+FQM+QH6NK6&<P2"6(RQAO+<=&7/0\]14]% !1110 4444
M %%%% $?D0_:#<>4GGE-ADVC=MSG&>N,]JDHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB
(@ HHHH __]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>25
<FILENAME>fbc-20231231_g1.jpg
<TEXT>
begin 644 fbc-20231231_g1.jpg
M_]C_X  02D9)1@ ! @$ 8 !@  #_[@ .061O8F4 90     !_]L 0P " 0$!
M 0$" 0$! @(" @($ P(" @(%! 0#! 8%!@8&!08&!@<)" 8'"0<&!@@+" D*
M"@H*"@8("PP+"@P)"@H*_]L 0P$" @(" @(% P,%"@<&!PH*"@H*"@H*"@H*
M"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*_\  $0@#
MD@3, P$B  (1 0,1 ?_$ !\   $% 0$! 0$!           ! @,$!08'" D*
M"__$ +40  (! P,"! ,%!00$   !?0$" P $$042(3%!!A-180<B<10R@9&A
M""-"L<$54M'P)#-B<H()"A87&!D:)28G*"DJ-#4V-S@Y.D-$149'2$E*4U15
M5E=865IC9&5F9VAI:G-T=79W>'EZ@X2%AH>(B8J2DY25EI>8F9JBHZ2EIJ>H
MJ:JRL[2UMK>XN;K"P\3%QL?(R<K2T]35UM?8V=KAXN/DY>;GZ.GJ\?+S]/7V
M]_CY^O_$ !\!  ,! 0$! 0$! 0$        ! @,$!08'" D*"__$ +41  (!
M @0$ P0'!00$  $"=P ! @,1! 4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P
M%6)RT0H6)#3A)?$7&!D:)B<H*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E
M9F=H:6IS='5V=WAY>H*#A(6&AXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6V
MM[BYNL+#Q,7&Q\C)RM+3U-76U]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_:  P#
M 0 "$0,1 #\ _?RBBB@ HHHH **** "BBB@ HK*\=>+K'P!X(UGQYJEC>75M
MHFE7%_<6VG6QFN)8X8FD9(HUYD<A2%4<DD#O7YK?MD_M(?\ !PC^R;\']6_X
M*":IX=^ ]]X&\,0#6/%/P*L;:]EU33-$!W2YU0D)/=PQ'=*\8$0*.R)*JA7
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M (T?8O&__0;LO_ 8_P"-;%% &/\ 8O&__0;LO_ 8_P"-'V+QO_T&[+_P&/\
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M ,?[%XW_ .@W9?\ @,?\:/L7C?\ Z#=E_P" Q_QK8HH Q_L7C?\ Z#=E_P"
MQ_QH^Q>-_P#H-V7_ (#'_&MBB@#'^Q>-_P#H-V7_ (#'_&M>,.(U$K MM&X@
M<$TM% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !7A?[6
M'_);/@?_ -CW+_Z3-7NE>%_M8?\ );/@?_V/<O\ Z3-0![I1110 4444 %%%
M% !1110 4444 8_B7_D+Z/\ ]?I_]!-;%8_B7_D+Z/\ ]?I_]!-;% !1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110!F^,?^18O?^N!
MJYIW_(/@_P"N*_R%4_&/_(L7O_7 U<T[_D'P?]<5_D* )J*** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "L?P/_ ,@B7_K]F_\ 0JV*
MQ_ __((E_P"OV;_T*@#8HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH *Q[+_D=[W_KRB_F:V*Q[+_D=[W_ *\HOYF@#8HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *Q_$O_(7T?_K]/_H)
MK8K'\2_\A?1_^OT_^@F@#8HHHH **** "BBB@ HHHH **** "BBB@ HHHH *
M*** "BBB@ HHHH *S?&/_(L7O_7 UI5F^,?^18O?^N!H N:=_P @^#_KBO\
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M0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !7A?[6'_ "6SX'_]CW+_ .DS5[I7A?[6'_);/@?_ -CW
M+_Z3-0![I1110 4444 %%%% !1110 4444 8_B7_ )"^C_\ 7Z?_ $$UL5C^
M)?\ D+Z/_P!?I_\ 036Q0 4444 %%%% !1110 4444 %%%% !1110 4444 %
M%%% !1110 4444 9OC'_ )%B]_ZX&KFG?\@^#_KBO\A5/QC_ ,BQ>_\ 7 U<
MT[_D'P?]<5_D* )J*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "L?P/_R")?\ K]F_]"K8K'\#_P#((E_Z_9O_ $*@#8HHHH ****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *Q[+_ )'>]_Z\HOYF
MMBL>R_Y'>]_Z\HOYF@#8HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH *Q_$O\ R%]'_P"OT_\ H)K8K'\2_P#(7T?_ *_3_P"@F@#8
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *S?&/\
MR+%[_P!<#6E6;XQ_Y%B]_P"N!H N:=_R#X/^N*_R%35#IW_(/@_ZXK_(5-0
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 4444 %%%% !7A?[6'_);/@?_ -CW+_Z3-7NE>%_M8?\ );/@?_V/<O\
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M )%B]_ZX&KFG?\@^#_KBO\A5/QC_ ,BQ>_\ 7 U<T[_D'P?]<5_D* )J***
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "L?P/_R")?\
MK]F_]"K8K'\#_P#((E_Z_9O_ $*@#8HHHH **** "BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH *Q[+_ )'>]_Z\HOYFMBL>R_Y'>]_Z\HOYF@#8
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *Q_$O\
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M[ ^.EYHX8Z;8?LNZ7;:TR?<%X]YI4D ;'\7E"0C/8&@#].J*** "O"_VL/\
MDMGP/_['N7_TF:ND^*WQY^)7P^\7/X<\+_LR^*/%-HL"2#5M)GA6%F8<IASG
M([UXE\7?C=\0_'_QR^#T7B?]G/Q+X76S\:%X'U6:%A=%H2I5-AZ@'<<]A0!]
M>T5C_P#"2ZO_ -"A>_\ ?2T?\)+J_P#T*%[_ -]+0!L45C_\)+J__0H7O_?2
MT?\ "2ZO_P!"A>_]]+0!L45C_P#"2ZO_ -"A>_\ ?2T?\)+J_P#T*%[_ -]+
M0!L45C_\)+J__0H7O_?2T?\ "2ZO_P!"A>_]]+0!L45C_P#"2ZO_ -"A>_\
M?2T?\)+J_P#T*%[_ -]+0 >)?^0OH_\ U^G_ -!-;%<IKFN:C/J.FR2>&[F,
MQW)9$9ES(=O05I_\)+J__0H7O_?2T ;%%8__  DNK_\ 0H7O_?2T?\)+J_\
MT*%[_P!]+0!L45C_ /"2ZO\ ]"A>_P#?2T?\)+J__0H7O_?2T ;%%8__  DN
MK_\ 0H7O_?2T?\)+J_\ T*%[_P!]+0!L45C_ /"2ZO\ ]"A>_P#?2T?\)+J_
M_0H7O_?2T ;%%8__  DNK_\ 0H7O_?2T?\)+J_\ T*%[_P!]+0!L45C_ /"2
MZO\ ]"A>_P#?2T?\)+J__0H7O_?2T ;%%8__  DNK_\ 0H7O_?2T?\)+J_\
MT*%[_P!]+0!L45C_ /"2ZO\ ]"A>_P#?2T?\)+J__0H7O_?2T ;%%8__  DN
MK_\ 0H7O_?2T?\)+J_\ T*%[_P!]+0!L45C_ /"2ZO\ ]"A>_P#?2T?\)+J_
M_0H7O_?2T 3>,?\ D6+W_K@:N:=_R#X/^N*_R%<_XEU[4[G0;J";PQ=0JT1!
ME=EPON:LV7B/54LXD7PE>,!$H#!EP>.M &[16/\ \)+J_P#T*%[_ -]+1_PD
MNK_]"A>_]]+0!L45C_\ "2ZO_P!"A>_]]+1_PDNK_P#0H7O_ 'TM &Q16/\
M\)+J_P#T*%[_ -]+1_PDNK_]"A>_]]+0!L45C_\ "2ZO_P!"A>_]]+1_PDNK
M_P#0H7O_ 'TM &Q16/\ \)+J_P#T*%[_ -]+1_PDNK_]"A>_]]+0!L45C_\
M"2ZO_P!"A>_]]+1_PDNK_P#0H7O_ 'TM &Q16/\ \)+J_P#T*%[_ -]+1_PD
MNK_]"A>_]]+0!L45C_\ "2ZO_P!"A>_]]+1_PDNK_P#0H7O_ 'TM &Q16/\
M\)+J_P#T*%[_ -]+1_PDNK_]"A>_]]+0!L45C_\ "2ZO_P!"A>_]]+1_PDNK
M_P#0H7O_ 'TM &Q6/X'_ .01+_U^S?\ H5'_  DNK_\ 0H7O_?2UF>%=<U&U
MTZ2.'PW<S@W,C%T9< ENGX4 =716/_PDNK_]"A>_]]+1_P )+J__ $*%[_WT
MM &Q16/_ ,)+J_\ T*%[_P!]+1_PDNK_ /0H7O\ WTM &Q16/_PDNK_]"A>_
M]]+1_P )+J__ $*%[_WTM &Q16/_ ,)+J_\ T*%[_P!]+1_PDNK_ /0H7O\
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MH V**Q_^$EU?_H4+W_OI:/\ A)=7_P"A0O?^^EH V**Q_P#A)=7_ .A0O?\
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M59OC'_D6+W_K@: +FG?\@^#_ *XK_(5-4.G?\@^#_KBO\A4U !1110 4444
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M-._Y!\'_ %Q7^0J:H=._Y!\'_7%?Y"IJ "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *\+_ &L/^2V?
M _\ ['N7_P!)FKW2O"_VL/\ DMGP/_['N7_TF:@#W2BBB@ HHHH **** "BB
MB@ HHHH Q_$O_(7T?_K]/_H)K8K'\2_\A?1_^OT_^@FMB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH S?&/_(L7O_7 U<T[_D'P
M?]<5_D*I^,?^18O?^N!JYIW_ "#X/^N*_P A0!-1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !1110 5C^!_P#D$2_]?LW_ *%6Q6/X'_Y!
M$O\ U^S?^A4 ;%%%% !1110 4444 %%%% !1110 4444 %%%% !7 _M+_M&_
M#S]ECX1ZA\7/B-=.;>UQ#I^G6W-SJ=X^1%:P+_%(Y'X ,QP%)'3^/_'O@_X6
M^"]3^(GQ U^WTO1=&LWNM2O[IL)#$HR3ZD]@HR22  20*^7OV;O 7C#]M_XP
MV/[=7Q[T"XL/"6CLW_"E/ ^H+_J(2?\ D-7*=#/+@&,<[5"L,XC<]V$P\)Q=
M:MI3COW;Z17F^KZ+7LGYN.Q=6$HX?#ZU9[=HKK.7DNB^T[+NUT_[&7[.7Q#N
M_%VH?MI?M76J2?$_Q9:B/3M';YH?"&DGF/3H ?NR8.97ZEB1U+L_TC116&)Q
M$\35<Y>B2V26R7DCHP>$I8*@J<->K;W;>[;[O_AM HHHK Z@K'LO^1WO?^O*
M+^9K8K'LO^1WO?\ KRB_F: -BBBB@ HHHH **** .<^+'PC^&WQR\!WWPS^+
M/A"SUS1-1CVW5C>QY&>SJ1AD=3RKJ0RGD$&OEJ#7_C[_ ,$P+A-,\;W&L_$G
MX!*X2UU_8;C6_!,6<*EP%&;JS7H' R@&/EPJ/]D4RXMX+J![6ZA22*1"DD<B
M@JRD8((/4$=J[,-C'1BZ<US4WO%_FGT?G]Z:T//Q> CB)JM3ER55M)=NTE]J
M/D_5-/4R_ GCWP7\3_"-AX]^'GB>RUG1M3@$UAJ6GSB2*9#W!'<'((/((((!
M!%:]?)?CO]E?XQ_L<>+K_P"._P#P3_LDO=#O9S=>,?@G=3[+'4/[\^FL>+2X
MP/N#Y6P  0JQ'VG]F/\ :O\ A'^U=X.E\2_#?4IH+_3Y?L_B'PUJL7D:CHUR
M,AH;B$\H00P##*MM."2"!6(PBC3]M0?-3_&/E)=/)[/IV4X7'RE5^KXF/)5[
M=)+O!]?-?$NJM9OTNBBBN$](**** "BBB@ HHHH **** "L?Q+_R%]'_ .OT
M_P#H)K8K'\2_\A?1_P#K]/\ Z": -BBBB@ HHHH **** "BBB@ HHHH *221
M(D:65PJJ"69C@ >IJCXH\4^&_!/AV]\7>,-=M-,TO3K=KB_U"^G6*&WB499W
M9B H [FOD.]U_P"+W_!4[4Y=!\#7FK>"/V>X)VBU'Q JM;ZIX[VMAX;8,-UO
M9$@AG(RXR""2R)UX;"2KISD^6"WD^GDN[?1+\%=G#C,='"M4X+GJ2^&*W?F^
MT5UD_P 79/4^(W[1WQ=_;;\:ZC^SQ^PQKS:3X6T^X-IX]^-*(6AM?[]GI9X\
M^X(.#*IP@.5(RLE>]_LZ_LV_";]EOX<P?#3X1>'A:6B-YM]>SMYEUJ-P1\]Q
M<2XS+(WJ> ,!0J@ =#\.?AQX%^$?@K3_ (<_#3PM9Z-HFE6XAL-.L8ML<2]3
M[LQ.26)+,22222:VZO$8N,Z?L:*Y::Z=6^\GU?9;+IU;SPF!E"K]8Q#YJKZ]
M(K^6"Z+N]Y=>B11117">D%%%% !1110 5F^,?^18O?\ K@:TJS?&/_(L7O\
MUP- %S3O^0?!_P!<5_D*FJ'3O^0?!_UQ7^0J:@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "O"_P!K
M#_DMGP/_ .Q[E_\ 29J]TKPO]K#_ )+9\#_^Q[E_])FH ]THHHH **** "BB
MB@ HHHH **** ,?Q+_R%]'_Z_3_Z":V*Q_$O_(7T?_K]/_H)K8H **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** ,WQC_R+%[_UP-7-
M._Y!\'_7%?Y"J?C'_D6+W_K@:N:=_P @^#_KBO\ (4 34444 %%%% !1110
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MK&%OPD/J3^Z^R888;:%+>WA6..-0L<:* JJ!@  =!65X#\">$/AAX,TSX>^
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MXE_Y"^C_ /7Z?_036Q6/XE_Y"^C_ /7Z?_030!L4444 %%%% !1110 4444
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M=._Y!\'_ %Q7^0J:@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
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M_3_Z":V*Q_$O_(7T?_K]/_H)K8H **** "BBB@ HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** ,WQC_R+%[_UP-7-._Y!\'_7%?Y"J?C'_D6+W_K@
M:N:=_P @^#_KBO\ (4 34444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %8_@?\ Y!$O_7[-_P"A5L5C^!_^01+_ -?LW_H5 &Q1110
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M?;^XO3[3ZO39:^/AHRS.NL745J<?X<7U_P"GC7G]A=%KN]"BBBO+/:"BBB@
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M &/]B\;_ /0;LO\ P&/^-'V+QO\ ]!NR_P# 8_XUL44 8_V+QO\ ]!NR_P#
M8_XT?8O&_P#T&[+_ ,!C_C6Q10!C_8O&_P#T&[+_ ,!C_C1]B\;_ /0;LO\
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M_C6Q17E'MF/]B\;_ /0;LO\ P&/^-'V+QO\ ]!NR_P# 8_XUL44 8_V+QO\
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M@'SK=^1R"4R2 061I/V3_P!K^+XW7FH?"'XL^&#X.^*OAA0GBCP?=/\ ZP#
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M.?G/LNT.OVOY5S^D^'/$>@Z7;Z)H=SI=G96<"0VEI:V CB@C4!51%7 50
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MIJS?&/\ R+%[_P!<#0!4LK/QH;.(Q:S9A?*7:#;'(&/K4OV+QO\ ]!NR_P#
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MBB@ HHHH **** "BBB@ HHHH **** "BBB@#-\8_\BQ>_P#7 U<T[_D'P?\
M7%?Y"J?C'_D6+W_K@:N:=_R#X/\ KBO\A0!-1110 4444 %%%% !1110 444
M4 %%%% !1110 4444 %%%% !1110 5C^!_\ D$2_]?LW_H5;%8_@?_D$2_\
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M9!X<M8]0NHGBLXR2(VDD$LKR<',S 8RY?\<Z_>#_ ((R_P#*-?X;_P#<8_\
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MERQ<&K\T7KS1?1M[)GJ%%%%?!GZ>%%%% !1110 4444 %%%% !1110 4444
M%%%% !1110 5F^,?^18O?^N!K2K-\8_\BQ>_]<#0!<T[_D'P?]<5_D*FJ'3O
M^0?!_P!<5_D*FH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#R+
M]N_X W?[3W[*/BSX+6&AV&K3ZBEG=1:%JT_E6FL-9WL%Z-.N'PVR"Y^S_9Y&
MVMM29CM;&#\-7'_!7K5_V5O$GQ=\/^#_ /@E=^TMJ7CCQ3XPM;OP3\/[3X3S
M16O[GP]I&GA)+VW,ML(%N+.9?-MC.I0*RY#<???[77_#1#?LX^*K;]DV_P!/
MM/B/<V4=OX0O=6M1-:6MW+-'&)YT(;=%&K,[\$[5. 3Q7QK)^S!_P<H"!FB_
MX*>_ UI=A*HWPAPI;'0G:<#/?'X4 >A_\$(/V3_VDOV3/V%Y--_:WA@L?'_C
M[Q]K/C?Q!X>M95>+0I=2E63[$I5F4$;/,95)"O,ZY;;N/V=7RC_P1JU[X_ZO
M^Q]=Z=^U%\<M,\>^/=(^(_B2Q\57^GZ;]DDTW4!J,LEWIT\8^0/!<R3HAB_=
M-;_9S'E"I/U=0 4444 %%%% !1110 4444 %>%_M8?\ );/@?_V/<O\ Z3-7
MNE>%_M8?\EL^!_\ V/<O_I,U 'NE%%% !1110 4444 %%%% !1110!C^)?\
MD+Z/_P!?I_\ 036Q6/XE_P"0OH__ %^G_P!!-;% !1110 4444 %%%% !111
M0 4444 %%%% !1110 4444 %%%% !1110!F^,?\ D6+W_K@:N:=_R#X/^N*_
MR%4_&/\ R+%[_P!<#5S3O^0?!_UQ7^0H FHHHH **** "BBB@ HHHH ****
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M@'V#14.GZA8:M80:KI5]#<VMS"LMM<V\H>.6-@"KJPX92"""."#4U !1110
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M&RY^9-QD][I7:;ZJUW=ZZ?=ZF19MB*U?ZO6?-?9]=.GF?3%%%%?K1]:%%%%
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ME:7-#X:TQ9],^"N@WL94P6>2LVK.AZ2SD$+W"#N!&U>J?&'XT>*-4\4GX#?
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M/!X^567PJ_+YWZ_=IZEBBBBOTL^E"BBB@ HHHH **** "BBB@ HHHH ****
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M.-L]E. -]O/'G,<JYY4]0002I!/:4 %%%% !1110 5C^)?\ D+Z/_P!?I_\
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M_P#I,U>Z5X7^UA_R6SX'_P#8]R_^DS4 >Z4444 %%%% !1110 4444 %%%%
M&/XE_P"0OH__ %^G_P!!-;%8_B7_ )"^C_\ 7Z?_ $$UL4 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %%%% &;XQ_P"18O?^N!JYIW_(
M/@_ZXK_(53\8_P#(L7O_ %P-7-._Y!\'_7%?Y"@":BBB@ HHHH **** "BBB
M@ HHHH **** "BBB@ HHHH **** "OR__P"#D3_FC/\ W,7_ +C*_3C5=6TO
M0M-GUK6]2M[.SM8FENKN[F6.*&-1EG9F("J!R23@5^/?_!<?]K;X-?M.^(?
M.D_!75KO6;#PI+K,%YXBBLF73KN>7[#F*VF;'GF,1 N5&T"6,AF#5])PI1JS
MSJG.,7RQYKOHKQ:/D..:]&GP[5IRDE*7+9=7:<6[+R/@NBBBOUP_!@K^H"OY
M?Z_J K\_XZ_YA_\ M_\ ]M/U3PS_ .8O_N'_ .WA1117Y^?J@4444 %%%% !
M1110 5\0?M.:OXM_X*/?M!G]CWX/:F8OAOX&OH[GXH>)8_F@O+Y6S'8(1Q((
MRI)7.&D4YP(@QU/VZ/VS_'?BCQ#8?L@_L?3_ &KQAXNO6TQ]<MW.RS4#]^Z.
M,X6),L\HSMQQD@D?1'[+?[.'@?\ 93^"VD_!SP-%OCLD,NIZBZ8EU*]< S7,
MG4EF(X!)VJJJ#A17!"O#,(35)^YMS+KWY7Y;776]M481FL0FHO3:_?O;\K_=
ML=%\+OA;X+^#O@VU\#>!-)6ULK9>3P9)WP-TDC?Q.<<GZ 8  '0T45UTJ5.A
M35.FDHK1);)&L8QA%1BK)!1116A04444 %%%% !6/9?\CO>_]>47\S6Q6/9?
M\CO>_P#7E%_,T ;%%%% !1110 4444 >/_'WP#XF\&^)H/VF/A!IYFUO2H/*
M\2:/%P-;TX8+*0.LJ 94]?E YVJI]'^'WC[PQ\3_  =8>.O!^H"YT_4(1)"_
M1E/1D8?PLIRI'8@ULUX1XA@F_9%^)LGCK38F'PX\5WRC7[6)25T*_<@+=*!]
MV&0X# =#]$6O"Q'_  D8EXF/\&;]]?RR_P"?B\GM/Y2_FOPU/]CJNJO@E\7D
M_P";T_F^_N>[T4V&:&YA2XMYEDCD4-'(C JRD9!!'44ZO=W.X**** "BBB@#
MYB^/O[,OQ-^"_P 2;S]K[]B.RB7Q!<8D\>?#MG\NQ\70 DM(@'$-Z,DJX'S$
MGNSB3UK]FK]IKX9?M3?#U?'?P[O98Y;>4VVN:'?IY=[I%VO#VUQ$>4<$'GHP
M&037H=?./[2O[*'CS1_B$W[7'[&UY;:/\2;6(#7=#F.S3O&5JO)MKI<@+-@?
M)-P<X!(^5T /HZBO+?V6/VK_  '^U)X1N;_1;.YT7Q)HL_V3Q;X.U4;+[1;L
M9#1R(0"4)#;9, , > P95]2H **** "L?Q+_ ,A?1_\ K]/_ *":V*Q_$O\
MR%]'_P"OT_\ H)H V**** "BBB@ HHHH **** "BBB@ HHKS?X\_M=?LY_LT
M6?G_ !D^*FFZ7=.H-OI"2&>^N,]/+MH@TK G W;=O(R10!Z16?XI\6>%? ^A
MS^)_&GB6PTC3;5=USJ&IWB6\$0]6=R%4?4U\T_\ #2'[<G[2_P#HW[+G[.R>
M /#T_">.OBPIBG=#_';Z='ER<<JTA9&R,XK1\+?\$U/ GB77;?Q[^UY\3_$/
MQC\0POYD2^)I_)TBU?OY&GQ'RD7KE6+J?04 1:Y_P4ET7Q_J\_@O]BOX+^(O
MB[J\,ABEU/3H38Z':2?]-K^<!>.H"@A@#AJJ?\,H_MB?M)_Z7^U_^TN_AS0Y
MN7^'WPF+6<+(?^6=Q?R9FE!& R %3SM85]-:%H&A>%](@\/^&=%M-.L+6,1V
MME86RPPPH.BJB *H]@*MT <#\#?V7/V?OV;-(_LCX*?"O2M"#H$GO((-]W<#
M_IK<2%I9/7#,0.U<9\1/&'B7]I+QA=_ GX1ZM+9^';"3RO'/BRV/;O86S=#(
MPX=N@&1TR&L_%?XB>+/C#XRN/V=O@;JC6Q@ 7QKXLAY32H3P;>(C[UPW(X^[
MST(8IZ;\.OAWX3^%?A"S\#^"M+6UL+*/"*.6D8_>D<_Q.QY)_IQ7A5ISSBK+
M#TG:C%VG)?:?6$7VZ3DO\*UNUP3E+&3=./P+=]_[J_5_)=;6/!W@[PWX \,V
M?@_PAI,5EIUA"([:WB'"CN2>I8G))/)))/)K3HHKVX0A3@H05DM$ELD=T8J*
M22T05F^,?^18O?\ K@:TJS?&/_(L7O\ UP-4,N:=_P @^#_KBO\ (5-4.G?\
M@^#_ *XK_(5-0 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% 'GW[
M5?[2'@?]D3]G?Q9^TC\1K'4+S2?">E-=RZ?I%MYUY?S%EC@M($XWS33/'$@)
M +R+D@9->*_L$?ME?ME?MB? 7XA^-/BC^R!8?"+XA>%?'#:3HWP_\6>(9)A)
M:'3=.U"!KRXAAW022QWI4E86,1"DQL04/M7[4OPW\+_%KX%:WX"\5^-8O#4=
MY)9R:9XBF$;#3-3ANX9M/N=DI"2&.\CMW$;'#E0A^]7PUX[TW_@XH\(:]\2/
M"GP'^ ?[/D.J_$7Q'#J ^*C>.+QK+2RFD:?IGG1Z;/!YROML1,%<W"HTA0B9
M5RX!]C_L/?ME_#S]NCX%I\9O 6DWNDW%CKE]H/BKPYJ;(USHFLV4QAN[*1HR
M4?8XRKJ<.CHV!NVCU^OF?_@DO_P3UC_X)H?L=Z?^S[JWQ$E\7^)]0UJ\\1>.
MO%,JLHU/6;QE:>1 Q+; J1Q@L=S"/>P!8@?3% !7YR?M0ZA\7_ G_!P[^REX
M8C_:+\<:AX2\9^%/&UY>>!KS58X](MI[72KCRG2VMXXED($V \WFR#8/GZY_
M1NOSM_;=_P"5B7]B'_L1_B)_Z:C0!]_>-_&WA+X:^#=6^(?C[Q%::1H>A:=-
M?ZQJM_,(X+.UA0R2S2,>%544L3Z"OS!^#_QQ_:C^*?\ P<+_  Z\0?%O7=9T
M'PAXP_9RUK7?!/PRN6D@_L;3#J(AMIKV'.#J$Z0BYE##= )DMSDP%F^B?^"J
MT?[>&N>)_ACX;_9D_8>M_C=X!M-5FUKXA^&Y?BAI_AD7MW:/"^EVT[WB2>=:
MK-ON7B5")'MH%=A'OCE^#_&'[5G_  4^U;_@X!^&7Q#\4?\ !)JTTCQ]#^S]
M?Z=:?#D?'[2KA;C1WU1VEU7^T%MA$AC<LGV8IO?;D, : /K74?B[J/\ P4#_
M ."T'CW]AOQ%KNJ1_"/]GOX>6%_XG\.Z5JL]I'XE\3ZGY4L'VV2!T:>UM[5V
MVVQ.PS@NX;8H77_X)]_M#>,/A;_P4O\ V@/^"4'C+Q7J>N:%X*TO3/&_PBOM
M;U&6\O;/0KZ. 7>F23S,TDL-K=SHD#.SN(Y-A;"(!Y[_ ,$_O"6H?!;_ (.*
M/VT_!'BR%HI_B)X,\)^,?"LDHP;W38HC;3R)GJL=U*821QNCH_9<\)ZO\0_^
M#H;]I;XTZ)$\FA^ /@/H'@_5;M!^[&HWYT_4(XMW0L(K:7([=\4 ?I?1110
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MN6OBE=1TU;K5+9W:Y(@98" K;>I]:T_L7C?_ *#=E_X#'_&@#8HK'^Q>-_\
MH-V7_@,?\:/L7C?_ *#=E_X#'_&@#8HK'^Q>-_\ H-V7_@,?\:/L7C?_ *#=
ME_X#'_&@#8HK'^Q>-_\ H-V7_@,?\:/L7C?_ *#=E_X#'_&@#8HK'^Q>-_\
MH-V7_@,?\:/L7C?_ *#=E_X#'_&@#8HK'^Q>-_\ H-V7_@,?\:/L7C?_ *#=
ME_X#'_&@#8HK'^Q>-_\ H-V7_@,?\:/L7C?_ *#=E_X#'_&@#8HK'^Q>-_\
MH-V7_@,?\:/L7C?_ *#=E_X#'_&@#8HK'^Q>-_\ H-V7_@,?\:/L7C?_ *#=
ME_X#'_&@#8HK'^Q>-_\ H-V7_@,?\:/L7C?_ *#=E_X#'_&@#8HK'^Q>-_\
MH-V7_@,?\:/L7C?_ *#=E_X#'_&@";QC_P BQ>_]<#5S3O\ D'P?]<5_D*\^
M^/GQ!G^#/P9\2?%/Q[K]H-)T/2Y+J[5(=KRXX6-"3]]V*HH[LP%3?!/XC77Q
MN^$GAWXL^!?$=G)I6O:5%=V@:#+1AE^:)\'[Z,&1AV92* /0:*Q_L7C?_H-V
M7_@,?\:/L7C?_H-V7_@,?\: -BBL?[%XW_Z#=E_X#'_&C[%XW_Z#=E_X#'_&
M@#8HK'^Q>-_^@W9?^ Q_QH^Q>-_^@W9?^ Q_QH V**Q_L7C?_H-V7_@,?\:/
ML7C?_H-V7_@,?\: -BBL?[%XW_Z#=E_X#'_&C[%XW_Z#=E_X#'_&@#8HK'^Q
M>-_^@W9?^ Q_QH^Q>-_^@W9?^ Q_QH V**Q_L7C?_H-V7_@,?\:/L7C?_H-V
M7_@,?\: -BBL?[%XW_Z#=E_X#'_&O,_VC_VK_A[^RKHD.I?%SXFV$-]>_+I'
MA[3[(W&I:FY.U4@MT.Y\MA=QP@) +#-:4J56O44*<6V^B,JU>CAJ3J59*,5N
MV[(]DKP'X^?\%!/AK\,/%Y^"WP@\-:C\3_B7+E8/!7A'$IM6'!:]N.8[1 <;
MBV64$$J!S7G$?A+_ (*"?MTV9?QWKEU\#/AO==-%L"!XGUB ]IY!Q8HPZH/G
M'*LK @U[G\ _V7? _P"S%X0'@GX(^&=%T2T;#7<T5FSW%XX_Y:3S.3),W)Y8
MG&<# XKO]CA,'K7?//\ EB]%_BDORC_X$CS/K&.Q^F&7LX?SR7O/_#!_G/\
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M.""< 8)' W 5XF#E++,0L%4?[N7\-ORWIM]TM8]XZ;Q=^*BWA:BH2^%_"_\
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MXT?8O&__ $&[+_P&/^->O1HTL/2C2IJT8JR2V2.N$(4X*,59(V**Q_L7C?\
MZ#=E_P" Q_QH^Q>-_P#H-V7_ (#'_&M"C8K-\8_\BQ>_]<#4/V+QO_T&[+_P
M&/\ C5'Q+:>+4T&Z>^U:U>(1'S$2W()'L: .@T[_ )!\'_7%?Y"IJPK*S\:&
MSB,6LV87REV@VQR!CZU+]B\;_P#0;LO_  &/^- &Q16/]B\;_P#0;LO_  &/
M^-'V+QO_ -!NR_\  8_XT ;%%8_V+QO_ -!NR_\  8_XT?8O&_\ T&[+_P !
MC_C0!L45C_8O&_\ T&[+_P !C_C1]B\;_P#0;LO_  &/^- &Q16/]B\;_P#0
M;LO_  &/^-'V+QO_ -!NR_\  8_XT ;%%8_V+QO_ -!NR_\  8_XUKQAQ&HE
M8%MHW$#@F@!:*** "BBB@ HHHH \[_:O\+? ;QO^S_X@\(_M/W=I#X!U%+:#
MQ,VH3^5;/;M<Q 1S/_!"[[4=B0 C,2R@%A^=G[1__!3W]F[]B[QN/@M_P3,_
M:I\;_&?X@$E+#]G_ ,,Z5<?$/32PX*"^,ZW.FA3\I"7TL=N.19L%V'ZH_:,_
M:%_X)Z?MY_\ !,_X@?$#6_VD+"Y^!FJ02Z3XR\::3'<;(((KR**YC&$$B$G"
M"0*0!(L@W+@GQ;]F7_@JU_P;<?L9^!E^''[+/[1'PJ\#:1M43P:#H5W%)=,H
MP'N)OLYEN7Q_'*SM[T ?97[('Q;^/7QP^!&D?$;]I3]F.[^$7BR]!-]X)O?$
MEMJKVRX!5_/M\+ALGY&"NN,,H->G5Y7^R%^V5\!_VY_AI??&G]FSQ8/$'A&W
M\07&DV&OQP211:A) L?FR1K(JOL$CM&"RC<8RPRI!/JE !7SO\8/^";/PF^-
M?[6/A+]M7Q3\6/B#:^/O -O=V_@B]TO6;:&VT:"ZC:.XBCMS;-%*LB.RL9ED
M9AC).T8^B** $4$* 6)P.I[UY5KG[&GP3\0_MDZ'^W=J5CJ)\?\ A[P//X3T
MZX34&%JNFS7#3NK0XPS[V.'SD#BO5J* /*/CS^Q[\,OCO\0/#7QH?6]>\)>/
M_!]O<VOASQYX/NXH-1MK2X ^T6;B>*:"YMY"J,89XI$5T5U"N U:G[.'[+WP
MB_98\*ZGX:^%>DW7VC7];GUKQ3KVKWSW>I:]J<^/.O;RXD):65MJJ.B(BJB*
MB*JCT.B@ HHHH *\+_:P_P"2V? __L>Y?_29J]TKPO\ :P_Y+9\#_P#L>Y?_
M $F:@#W2BBB@ HHHH **** "BBB@ HHHH Q_$O\ R%]'_P"OT_\ H)K8K'\2
M_P#(7T?_ *_3_P"@FMB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **
M** "BBB@ HHKQG]MG]KWP[^R+\+)O%=S!%=ZO<0R'3+&1L+\@&Z1\<[02H X
M+,P QR1SXK$T<'0=6J[)?BV[)+NV]$NK,ZM6%&#G+8^,_P#@O;^U=_R!?V0O
M"6I?\\]8\7>4_P!?LMLV/^!3,I_Z8FC_ (()?M7?\AK]D+Q;J7_/36/"/FO]
M/M5LN?\ @,RJ/^FQK\[OBO\ %#QE\:?B1K/Q6^(.K/>ZSKM^]U?7# #+-T50
M.%55 55' 50!P*/A1\3_ !E\%OB1HWQ5^'VK/9:SH5^EU8W" '#+U5@>&5E)
M5E/!5B#P:WN^6]B[Z'](=%>!_L'_ +>?PW_;3\!M<Z9?VUEXITV)?[;T$R;9
M%!X$T:$Y,9/!(R%/!)RI/OE11JQK4U.-U?NK/YI]10DIQ4D%%%%:%!1110 4
M444 %%%% !113)YX+6![FYF2..-"TDDC *J@9))/0 =Z 'UA_$;XF?#[X1>$
M;KQ[\3_&6G:#HUDN;G4=4NEBC7T4%C\S'H%&6)X )KY^^(?_  4-N/'7BV[^
M#/[!?PX;XJ>*[=_*U#78Y3%X<T1C_%<WO"RD=1'$?FP0'W#;2_#K_@GC)XT\
M76OQG_;O^(S_ !6\76[>9I^C3P^5X=T1C_!;67"RD=#)*/FP"4##->C' QHQ
M4\7+D72/VW\NB\Y6\DSR99E+$2=/ QYWUD](+Y_:?E&_9N)BS?M3?M3_ +:D
MSZ%^POX)/A'P5(QCN/C+XXTYE$Z9P6TRQ<!ISZ22#9U#!#@UZ5^SA^P;\&/V
M?-;E^)%X]_XS^(%]\VJ_$#Q?/]KU&9R,$1LV1;IU 5,';@,S8%>U0PPV\*6]
MO$L<<:A41%P% X  '04ZIJXZ7LW2H1Y(/=+=_P"*6[]-%Y%T<MC[55L3+VE1
M;-_#'_#'9>NLN\F%%%%<!Z84444 %8_@?_D$2_\ 7[-_Z%6Q6/X'_P"01+_U
M^S?^A4 ;%%%% !1110 444V>>&VA>YN9ECCC4M)([ *J@9))/0"C8!9)$B1I
M97"JH)9F. !ZFO"?$GBGQ/\ M;^(+KX<_##5)]-\ 6,QA\3>*[<[7U5A]ZSM
M#_</1I.A![C D;K>O>)?VP]=N/!7@34+G3/AM8SF+7O$,!*2ZZZGYK6V/:'L
MS]^G3ANS^-'Q7^%/[&GP OO'FK6$5EHGAZR$6FZ39@*]U.?EAMHA_%)(Y SS
MU9FX#&O E*>>2<*;MAUNUO4\H]H=Y?:V6EV^!N6.=HZ4^K_F\E_=[OKTT/*/
MVN_'VK>#-)\-?L%_LEP0Z;XT\<6[013V@.WPUHH)%UJ4A!R&(WJC$[F<L02X
M ;V_X$_!3P+^SO\ "?1?@Y\.=/\ L^E:)9B&(L!YD[GF2:0CK([EG8^K'&!@
M5Y7^PO\  /QOX8L]:_:;_:"A$GQ/^)+I=ZU&RG&BV(P;;2XL\HL:!=X[L "6
MV!C]!5[L(0IP48JR6B2V2.Z*44DM@HHHJAA1110 4444 %%%% !1110 5CV7
M_([WO_7E%_,UL5CV7_([WO\ UY1?S- &Q1110 4444 %%%% !1110 5YA^T/
M\)?$/B%K#XN_"ATM_&WA@&33F/"ZC;\F2REZ;E8$[<]&/4;B1Z?17-C,)2QN
M'=*IL^JW36J:?1IZIF5:E"O3<)?\-V:\T<K\&OBUX>^-'@:W\9:"CP2%C#J.
MGS<2V-RO$D+C@@@^PR"#WKJJ\0^+NAZO^SQ\0I?VDO >GRSZ%J!6/XA:);+G
M='G"ZA&O_/1,G?Z@DG&68>RZ'KFD>)M&M?$.@:A%=V5[ LUK<PME98V&0P_"
MN3+L75FY8;$_Q8;]I+I->3ZK[,KKLWEAZLY7IU/CCOYKHUZ_@]"U1117J'4%
M%%% !1110!X]^U?^R)X=_:0T_3_%.@:_/X5^(/AES/X-\<:8N+FPE&3Y<F/]
M=;L20T9XPQQC)S@_LL?M=>(O%OBZY_9D_:?T"#PM\6M$@W2V:MBR\1VPSB_L
M'/#JP!+1CYEPW'RL$]_KRW]J?]E'P%^U+X0MM.UR\N=&\1:+/]K\)>,-*.R^
MT6[&"LL;@@E20NZ/(# #D,%90#U*L?Q+_P A?1_^OT_^@FO"?V:_VKO'NB?$
M)/V1OVR[.VT?XCVT1.@Z]"-FG>,K5>!<6S8 6? ^>'@YR0!RB<EK7_!1GPQ>
M?\%++']D*.:U_L2VMQ8-J>1DZ\<N8=W39L(AQU\[B@#Z[HHK,\7>,_"'P_T"
M?Q7X[\4Z=HNF6J[KG4=5O4MX(A_M.Y"C\Z -.BOF+6/^"D%K\2M4G\'_ +$7
MP.\1?%C4HI#%+K=O$=.T&T?H?,O;@ ,1UVJ,, =K57_X9$_:S_:0_P!,_;+_
M &FYM)T6?E_AY\*=]A:%3_RSN+U\S3J1PR=,CY6H [GXW?\ !03]F;X(:U_P
MA-SXNG\4>+'<QVW@WP3:'4]2EE'_ "S,<7RQM[2,I^M<+_;G_!2C]J'Y?#N@
MZ/\  3PI/TOM75=6\131GNL Q#;Y&<J^'0XP37MGP1_9G^ O[.&B_P!A?!/X
M6:3X?C9 D]Q:6^ZYN .GFSOF67_@;&NZH \#^$W_  3B_9S^'OB(?$3QU8ZE
M\1_&#$--XK^(=\=3N-PY!C23]U$ <[<+N7^\<5[VJJBA$4  8  X I:* "BB
MB@ HHHH *\R^.WQKUGPQJ%I\)?A+8QZGXYUQ#]AMFYBTV'HUW<'^%%Z@'[Q'
M0]#8^/'QOF^'*6?@GP+I0UGQKKQ,>@Z,AR%ZYN)O[D*8)).,[2,@!F6;X$_!
M"'X4Z?=Z[XBU4ZSXMUQQ/XCU^89:>3_GFF?NQ+T51CIG X \;%XBMC*[P>%=
MK?'-?83^RO[[6W\J]Y]$^.K4G6J.C2=OYGV\E_>?X+7M>S\#_@IHWP:\/36Z
MWTFIZWJ<WVGQ!KUUS/?W!R2Q)Y"@D[5[ GJ22>VHHKT\/AZ.$H1HTE:*V7]=
M>[W;U9TTZ<*4%""LD%%%%;%A1110 5F^,?\ D6+W_K@:TJS?&/\ R+%[_P!<
M#0!<T[_D'P?]<5_D*FJ'3O\ D'P?]<5_D*FH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@#XM_X*??M@_\ !._]A;]EWQ-^SM\<--\.^']+\:Z'
M=64'@I_#USI^G:U!?2&.]$4]O;>09=DLTK[6WAOF;!8$^>:=_P %6_\ @VFT
MBQBTW2_B]\"K:WA7;%!!\/@B(/0*MD /PKZF_P""C5A^R;)^QSXR\1?ML^"8
MM?\ A]X?M(M6U&P_LW[7<-<02HUM]ECZM<M/Y:1@8W-(%)VLU?GK;?\ !5/]
ME74?$-YH'AK_ (-E/VA;R\T^*"XN+:+]F&Q^T00S;_(EDC16,:R>7)M).&V-
M@G:: /M3_@D/\>/V>/VE/V7M7^+O[,?PVTWPWX8O?B-KEJG_  C^E-8Z3J\M
MK<"U.J6,#(AA@NDACG,97<DLDJ,796=OJ6OF[_@E#^TWXX_:Y_8RT7XR^-?V
M<KWX81W.JW]MX=T&]TU+(W6D1W#"RO1;(2(/-@*%D!*^8LA0E"E?2- !1110
M 4444 %%%% !1110 5X7^UA_R6SX'_\ 8]R_^DS5[I7A?[6'_);/@?\ ]CW+
M_P"DS4 >Z4444 %%%% !1110 4444 %%%% &/XE_Y"^C_P#7Z?\ T$UL5C^)
M?^0OH_\ U^G_ -!-;% !1110 4444 %%%% !1110 4444 %%%% !1110 444
M4 %%%% !7X__ /!<GXQWVM?M.7/PD@O"8M(T^R%PH/"JT*SHG_?4S.?^ 5^J
M?QR^-GP__9W^%NK_ !>^)VKBSTC1[8R2D8,D[GA(8U)&Z1V(55]3R0,D?G;\
M;/@!\?O&LZ?M\_'?PZMG?^+W\NS\.QQDMX7T[:JVD4N?^6LB<NQ (8[3M+E1
MX/$6(A@<O^N3IN:HM3Y5U=FE?1Z)M2;Z6OTL<&8U(T,/[9QYN1WM^'X7OY6N
M?FU17W)17P/_ !%/_J#_ /*G_P!H>!_K5_TY_P#)O_M3S+_@F+\/O"_QS^/^
MG?!_5?$^K^&M;EAN[KPSXK\.7AM[ZPFCMY)3M8??7*9*'JK28*DY'Z/0_M,_
MM0_L7S)H7[;7A-O&'@F-@EM\8/!NG$FW3. VIV29:$^LD8V]  [$FN _85_9
M-T_XNQZE\0OB-I]XFBQ1?9]&DM[F2WDEN=P+3(Z$'" %>X+.>ZFOHB;]G/XR
M>$87B^%/[2^L/:E2ITCQG:1ZG#(I_P"6?F, Z+VX!XXKZW),WS'%X-XSZI+D
MJ-R24TVE9+124%9M.6C=[MVU/6P6+Q%6C[;V+Y9.]N9-]MG;1[[GIGP^^(W@
M/XK^$[7QU\-?%^GZYH]ZFZVU#3;E98W]1E3PPZ%3@@\$ UM5\$>./V3/VN/@
M7XRN/C!^RYX.T_PIKDTGF:O:>!KTRZ#K..T^E3X*,>F^'&S+%5R<UZ+\$O\
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MY'<Z=IEVBQ-)%-<1PF./8L\3,2V$5P6(&2 #Z[_X)+_!+]ICX$?LSZQX<_;
M\?\ AC5_B)KGQ'U[Q-XDTCP;<-)IOAJ?5+G[>=,@W?,JK]H\[:>AN3@N")'^
MGJ\"_P""<?[(]W^QC\"-0^%[_M!>(?BE::IXKN]>TOQUXNU@ZAJNIVUW'"ZM
M=7.,3N"&42+D-&L9XR5'OM !1110 4444 %%%% !1110 5X7^UA_R6SX'_\
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M?]IWX!_$1EA\,?%'2FG8X%I>3?9IR?01S!6)^@-31SG+*T^3VBC+^65X2_\
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M]9HHKJP6#HX&C[.&O5MZN3>\F^K?_ 5DDC6C1A0ARQ^;ZM]V%%%%=9J%%%%
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M8K'\2_\ (7T?_K]/_H)K8H **** "BBB@ HHHH **** "BBB@ HHHH ****
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M "#X/^N*_P A7ROXE_X+'?\ !.#4-"NK*T_:,WRR1$(O_"(:P,GZFTJU9?\
M!9;_ ()M16<44G[1^&6)0P_X0_6."!_UYUW_ -DYK_T#S_\  )?Y')_;N2?]
M!5/_ ,#C_F?4E%>#_!C_ (*:?L0_M!_$K3?A!\(/C9_:_B+5_._L[3O^$;U*
MW\WRH7GD_>3VR1KB.-V^9AG;@9) /IGQE^.?PB_9[\%S?$'XS^/].\/:3#D?
M:+^;#2MC/EQ(,O*Y'1$#,?2N>IA,72JJE.G)2>R::;]%N=5+'X&O0=:G5C*"
MWDI)I>K3LCK*\A_:5_;<^!?[,+V_A[Q9J]UK/BS4<+HG@;PS;&]U?4';[JI
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MY'>]_P"O*+^9K8K'LO\ D=[W_KRB_F: -BBBB@ HHHH **** "BBB@ HHHH
M**** "BBB@#PC7X9OV1/B;)XUTZ)A\./%E\!KMK&N4T+4'( N5 ^[#(<!@.
M?HBGW6&:&XA2XMY5DCD4,CHV0P/(((ZBJOB'P]HOBS0KOPUXCTZ*[L+ZW:&[
MMIERLB,,$'_'J.M>/?!OQ!K7P#\?1_LS?$/499]+N@TOP]URY/\ KX!UL9&Z
M>;'D!?48 QE%KPH?\(^*5-_P*C]W^Y-_9\HR?P]I>[M**7!'_8ZO+]B3T_NM
M]/1].STZH]MHHHKW3O"BBB@ K'\2_P#(7T?_ *_3_P"@FMBL?Q+_ ,A?1_\
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M^:4G>4GO)]W^26R5DM$70H1H1MNWJWU;_K[M@HHHKM-@HHHH **** "BBB@
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MY/.,<G%:_P#PR?\ LL_]&U?#_P#\(VQ_^-4 <E^P=^W/\'_^"AOPBU3]H/\
M9^U&74/!0\57>D^'=6GL9K634(K:.%9)S#,JR1@S-,%#*IV*A(!) ]LKCO@U
M\!?A9^S]IVM:#\(/"5GH.E:WK\NL3:/IEG%;VEM<RQ1)*88HD545VB\UAR3)
M+(V>0!V- !1110 4444 %%%% !1110 5X7^UA_R6SX'_ /8]R_\ I,U>Z5X7
M^UA_R6SX'_\ 8]R_^DS4 >Z4444 %%%% !1110 4444 %%%% &/XE_Y"^C_]
M?I_]!-;%8_B7_D+Z/_U^G_T$UL4 %%%% !1110 4444 %%%% !1110 4444
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M2!(;6VMXPD<,:@*J*HX50   . !7Z4?2D]%%% !1110 4444 %%%% !1110
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MH<CPW_P1I_8JN=)CO_C=X2U;X@>+;IFG\0>,-;\3ZE#<:G=.=SRLD%RB(,G
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M*LWQC_R+%[_UP- %S3O^0?!_UQ7^0J:H=._Y!\'_ %Q7^0J:@ HHHH ****
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MQZQ]5O!]'IM)G)B*<XR5:DO>6Z_F7;U[>?DV=_6/XE_Y"^C_ /7Z?_037.?
M/XRQ_%[PM,-8TXZ9XCT:<V?B;19.'M+E<@D \^6V"5//<9)!KH_$O_(7T?\
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M@_5;M!^[&HWYT_4(XMW0L(K:7([=\5]L?'G]CWX9?'?X@>&OC0^MZ]X2\?\
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MBK35DOA7_MS\WT[+S;,?[%XW_P"@W9?^ Q_QH^Q>-_\ H-V7_@,?\:V*X/\
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M10!C_8O&_P#T&[+_ ,!C_C1]B\;_ /0;LO\ P&/^-;%% &/]B\;_ /0;LO\
MP&/^-'V+QO\ ]!NR_P# 8_XUL44 8_V+QO\ ]!NR_P# 8_XT?8O&_P#T&[+_
M ,!C_C6Q10!C_8O&_P#T&[+_ ,!C_C1]B\;_ /0;LO\ P&/^-;%% &/]B\;_
M /0;LO\ P&/^-'V+QO\ ]!NR_P# 8_XUL44 8_V+QO\ ]!NR_P# 8_XT?8O&
M_P#T&[+_ ,!C_C6Q10!C_8O&_P#T&[+_ ,!C_C1]B\;_ /0;LO\ P&/^-;%%
M &/]B\;_ /0;LO\ P&/^-'V+QO\ ]!NR_P# 8_XUL44 8_V+QO\ ]!NR_P#
M8_XTV6W\96\33SZ_8HB*6=WM\!0.I)SP*VJ\R_;)\0:AX9_9D\7ZGI;LLKZ<
MMMN7J$FECA?_ ,=D:N7&XF."P=3$25U"+E]R;_0RK5%1HRJ/HF_N/C#]H?\
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M7_@,?\:TM._Y!\'_ %Q7^0J:@#'^Q>-_^@W9?^ Q_P :/L7C?_H-V7_@,?\
M&MBB@#'^Q>-_^@W9?^ Q_P :/L7C?_H-V7_@,?\ &MBB@#'^Q>-_^@W9?^ Q
M_P :/L7C?_H-V7_@,?\ &MBB@#'^Q>-_^@W9?^ Q_P :/L7C?_H-V7_@,?\
M&MBB@#'^Q>-_^@W9?^ Q_P :UXPXC42L"VT;B!P32T4 %%%% !1110 4444
M%%%% !1110 4444 %%%% !1110 4444 %>%_M8?\EL^!_P#V/<O_ *3-7NE>
M%_M8?\EL^!__ &/<O_I,U 'NE%%% !1110 4444 %%%% !1110!C^)?^0OH_
M_7Z?_036Q6/XE_Y"^C_]?I_]!-;% !1110 4444 %%%% !117D_[7W[46E?L
MP?#B+5+'1GUSQ;K]V--\#^%;;)GU;47P$0*.1&I8,[=A@9W,H(!P_P"W%^TO
MXMT*_L_V5OV>-6@B^(GBFQDGOM9E?$'A'1USY^J7#?P$+N$8/);GD[%?GOV/
MOV:/"6K:#HL>D:3/%\-_"MRTWAZVU"/$_B?4\XFUB\S]\LP.Q3P  HPJD-QG
M[*W[-GB+XEZYK1\<>(VUFXU?5$OOB]XSA?C7+]<-'H]HXZ65OPI*X#$9&!Y0
M'V_86%EI=C#IFFVD=O;V\2Q000H%2-%&%50.    !7@K_A;KW_YAX/\ \&23
M_&$7_P"!2_NKWN#_ 'V?_3M/_P ":_\ ;5^+\EK+117@_P"U?^V>GP=UVR^!
M/P0\)GQQ\7/$,?\ Q(?"-H_[NS0_\OM\X($%NH^;DJ6QP5&77Z2AAZN)J<E-
M7?Y+NWT2ZMF^*Q5#!T74JNR_%OHDMVWT2U9O?M6_M?\ P_\ V6/#UG'J5A=>
M(/%NO2_9O!_@?1E\S4-9N2<*J( 2D8)&Z4C"CH&8A3P/[.O[('Q \6?$BW_:
MZ_;AU"UUSXA;=WAKPO;MOTKP7"W(BMTR5DN!QNG.3N'RDD;SO?LH_L8/\)?$
M5Y\?OCSXL'CCXNZ_%C6?%5RG[G3XS_RY6$9 $$"@[<@*7[A0=@]ZKLJ8BEA(
M.CAG=O24^_E'M'\9=;+0\^EA:^.J*OC%9+6-/HNTI='+LMH]+O4****\T]@*
M*** "BBB@#-\8_\ (L7O_7 U<T[_ )!\'_7%?Y"J?C'_ )%B]_ZX&KFG?\@^
M#_KBO\A0!-1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !11
M10 5C^!_^01+_P!?LW_H5;%8_@?_ )!$O_7[-_Z%0!L4444 %%%% !1110 4
M444 %%%% !1110 4444 %%%% !1110 4444 %8]E_P CO>_]>47\S6Q6/9?\
MCO>_]>47\S0!L4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 5SOQ:\ 6GQ3^&FM_#V\E$:ZMI\D"3,,B*0C,;X[[7"MCVKHJ*SK4J=>E*G-
M7C)-->3T9,XQG!QELS\D?%_A+Q#X#\37O@_Q5ILEIJ&GW#0W5O(.58=QZ@C!
M!'!!!'!K-K]._CG^R[\)OV@+=)?&FDR0:C#'LM]8T]Q'<(O7:205=?9@<9.,
M9->!ZI_P2_T/3M<LX1\8;M[2[N"AB.BJ)%&,_?\ -P3_ ,!K\+S+PZSO#XEK
M")5*;>CNDTO--K7TO^A\+B>'<=3JM45S1Z:I/YWM^!\I>$/"7B#QWXFLO!_A
M739+S4-0G6&UMXQRS'N?0 9))X !)X%?J9\)/A_:?"OX::)\/+.42+I.GQP2
M3*,"63&9'QVW.6;'O7.? S]ESX3?L_P/+X,TF2?49H]EQK&H.)+AUZ[00 J+
M[*!G SG KT6OT#@WA2?#].=;$-.K-6TVBM[7ZMO?IHK=W]!DV4RR^+G4=YO\
M%_6X4445]P>X%%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5F^,?
M^18O?^N!K2K-\8_\BQ>_]<#0!<T[_D'P?]<5_D*FJ'3O^0?!_P!<5_D*FH *
M*** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HH
MHH **** "BBB@ KPO]K#_DMGP/\ ^Q[E_P#29J]TKPO]K#_DMGP/_P"Q[E_]
M)FH ]THHHH **** "BBB@ HHHH **** ,?Q+_P A?1_^OT_^@FMBL?Q+_P A
M?1_^OT_^@FMB@ HHHH **** "BBHKZ^LM,LIM2U*[BM[>WB:6XN)Y B1(HRS
M,QX  !))X % '/?&+XO> O@-\--7^+/Q-UM+#1=%M3/=S-RS=EC1?XY'8A54
M<EF KX@^%/A?XQ_MB_'JY^+_ (XMYM+\0ZM8>58VS?,G@+PY)G;"N>/[1ND)
M+GAD5R/EW.L57XD?%'Q=_P %$?C_ *7#X$T\W7@30-2D'@#2[J,B#6;V)BDN
MNW:$<VL!#+"C##N#D']Y$?N+X,?"#P]\%O!<?A;1I7N;F60W&K:I<<S7]TW+
MS2$Y))/09.!@<]3X>*J3S/$2P5%VA'^))?\ IN+[M?$_LQTW::X:LI8FHZ,'
M[J^)_P#MJ\WU[+S>FOX'\$^&OASX4L?!7A#3$M-.T^$1V\*?F68_Q,3DDGDD
MDUK4$@#). .I-?)GQ4_:5^+/[8?CS4?V9?V$M<%AI&GSFU^(/QE5-]KI0_CM
M-.((%Q=D<;U.$SD$9$B_1X+!>U7)32C"*U>T8K;_ ("2U>R0\5BZ. IQ5KMZ
M1BMV^R7EU>R6K:1N_M'_ +8/CSQ!\1IOV1_V(],M?$'Q(=,>(/$%P-^E>#(#
MP9[IP"KSCG9!R<CY@2-C=U^RA^Q]X#_9;T*]O;;4[KQ'XR\02?:/&/CK63OO
M]8N#R2S$DQQ _=B!P!U+-ECO?LX?LT_"?]E?X<P_#;X3:$;>WW^=J.H7+^9=
MZG<G[]S<2XS)(Q[] .%   '?5T5\53C3=##Z0ZOK+S?9=H[+K=ZF&%P56=98
MG%M.IT2^&"[1[OO+=[*RT"BBBN ]0**** "BBB@ HHHH S?&/_(L7O\ UP-7
M-._Y!\'_ %Q7^0JGXQ_Y%B]_ZX&KFG?\@^#_ *XK_(4 34444 %%%% !1110
M 4444 %%%% !1110 4444 %%%% !1110 4444 %8_@?_ )!$O_7[-_Z%6Q6/
MX'_Y!$O_ %^S?^A4 ;%%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M 4444 %%%% !6/9?\CO>_P#7E%_,UL5CV7_([WO_ %Y1?S- &Q1110 4444
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MHH **** "BBB@ K'\#_\@B7_ *_9O_0JV*Q_ _\ R")?^OV;_P!"H V****
M"BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "L>R_P"1WO?^
MO*+^9K8K'LO^1WO?^O*+^9H V**** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "L?Q+_ ,A?1_\ K]/_ *":V*Q_$O\ R%]'_P"OT_\
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MO_7E%_,UL5CV7_([WO\ UY1?S- &Q1110 4444 %%%% !1110 4444 %%%%
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M_P"OV;_T*@#8HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M]#Z/.<H^L9#+!X7W7&-H_);7_O+W7ZZGZ4?\&W?_ #6;_N7?_<G7Z@5^6?\
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M,M?"NG2>*;JP:>YV1VT;*1<-NR2>IH ZNBL?_A!](_Y^;W_P+:C_ (0?2/\
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MF[NR7R227X(QH4*6&I\E-65V_G)N3_%L****R-@HHHH **** "BBB@ HHHH
M**** "BBB@ HHHH **** ,WQC_R+%[_UP-7-._Y!\'_7%?Y"J?C'_D6+W_K@
M:N:=_P @^#_KBO\ (4 34444 %%%% !1110 4444 %%%% !1110 4444 %%%
M% !1110 4444 %8_@?\ Y!$O_7[-_P"A5L5C^!_^01+_ -?LW_H5 &Q1110
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M44 %8_@?_D$2_P#7[-_Z%6Q6/X'_ .01+_U^S?\ H5 &Q1110 4444 %%%%
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M^@FMB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
MS?&/_(L7O_7 U<T[_D'P?]<5_D*I^,?^18O?^N!JYIW_ "#X/^N*_P A0!-1
M110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5C^!_P#D
M$2_]?LW_ *%6Q6/X'_Y!$O\ U^S?^A4 ;%%%% !1110 4444 %%%% !1110
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M;%8_@?\ Y!$O_7[-_P"A4 ;%%%% !1110 4444 %%%% !1110 4444 %%%%
M!1110 4444 %%%% !6/9?\CO>_\ 7E%_,UL5CV7_ ".][_UY1?S- &Q1110
M4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 5C^)?^0OH_\
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M_P#7[-_Z%0!L4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
M4444 %8]E_R.][_UY1?S-;%8]E_R.][_ ->47\S0!L4444 %%%% !1110 44
M44 %%%% !1110 4444 %%%% !1110 4444 %8_B7_D+Z/_U^G_T$UL5C^)?^
M0OH__7Z?_030!L4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !111
M0 4444 %9OC'_D6+W_K@:TJS?&/_ "+%[_UP- %S3O\ D'P?]<5_D*FJ'3O^
M0?!_UQ7^0J:@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
M HHHH **** "BBB@ HHHH **** "O"_VL/\ DMGP/_['N7_TF:O=*\+_ &L/
M^2V? _\ ['N7_P!)FH ]THHHH **** "BBB@ HHHH **** ,?Q+_ ,A?1_\
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MR.][_P!>47\S6Q6/9?\ ([WO_7E%_,T ;%%%% !1110 4444 %%%% !1110
M4444 %%%% !1110 4444 %%%% !6/XE_Y"^C_P#7Z?\ T$UL5C^)?^0OH_\
MU^G_ -!- &Q1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1
M110 5F^,?^18O?\ K@:TJS?&/_(L7O\ UP- %S3O^0?!_P!<5_D*FJ'3O^0?
M!_UQ7^0J:@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** ,OQMXX\%_#3PCJ/C_XB^+=,T'0M(M'NM5UG6;Z.VM;.!!EI999"
M$C0#JS$ 5Q/PN_;"_9H^,WBV/P!\._B]IEYKMQI[7]CHURLMI=7UFI :ZMXK
MA$>Y@4LH,L09!O7+?,,^ ?\ !='X'?M*_&G]B.TU?]E3PJGBCQ/\.OB/X?\
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M_M8?\EL^!_\ V/<O_I,U>Z5X7^UA_P EL^!__8]R_P#I,U 'NE%%% !1110
M4444 %%%% !1110!C^)?^0OH_P#U^G_T$UL5C^)?^0OH_P#U^G_T$UL4 %%%
M% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% &;XQ_Y%B]_
MZX&KFG?\@^#_ *XK_(53\8_\BQ>_]<#5S3O^0?!_UQ7^0H FHHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH *Q_ _\ R")?^OV;_P!"
MK8K'\#_\@B7_ *_9O_0J -BBBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MKX'_ /0W>.__  KYZ]ZHH \%_P"'=7P/_P"AN\=_^%?/1_P[J^!__0W>._\
MPKYZ]ZHH \%_X=U? _\ Z&[QW_X5\]'_  [J^!__ $-WCO\ \*^>O>J* /!?
M^'=7P/\ ^AN\=_\ A7ST?\.ZO@?_ -#=X[_\*^>O>J* /C+X^_L<?#/P)\3?
MA?X;T3Q5XO:W\2^*I++43<^)II'$0@+CRR?N-D=17J?_  [J^!__ $-WCO\
M\*^>NY^,?P9U/XF^/? 'B^QUJ"UC\'>(7U&YAFC8M<*8BFQ2.AR<\UZ#0!X+
M_P .ZO@?_P!#=X[_ /"OGH_X=U? _P#Z&[QW_P"%?/7O5% '@O\ P[J^!_\
MT-WCO_PKYZ/^'=7P/_Z&[QW_ .%?/7O5% '@O_#NKX'_ /0W>.__  KYZ/\
MAW5\#_\ H;O'?_A7SU[U10!X+_P[J^!__0W>._\ PKYZ/^'=7P/_ .AN\=_^
M%?/7O5% '@O_  [J^!__ $-WCO\ \*^>C_AW5\#_ /H;O'?_ (5\]>]44 >"
M_P##NKX'_P#0W>.__"OGH_X=U? __H;O'?\ X5\]>]44 >"_\.ZO@?\ ]#=X
M[_\ "OGH_P"'=7P/_P"AN\=_^%?/7O5% '@O_#NKX'_]#=X[_P#"OGH_X=U?
M _\ Z&[QW_X5\]>]44 >"_\ #NKX'_\ 0W>._P#PKYZ/^'=7P/\ ^AN\=_\
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M5\]'_#NKX'_]#=X[_P#"OGKWJB@#P7_AW5\#_P#H;O'?_A7ST?\ #NKX'_\
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M^-/'?BC3M%T?3;=I]1U;5KV.VMK6)>LDDLA"(H[LQ %?F!\=M5_X)M?M(?\
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M9BVR&4G \MV5LD#'(S[O>7UEI]E+J5_>106\$32S7$T@5(T49+,QX  !))X
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M2_"7Q)N;;7I/&A\6V/QAEU%EDN;O5+O4KQKN6\9N6F>&:&0,W(1HN@ P ?I
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MJ7V\=XIIX;"P<=QJ6..M &_^TI_P4,_8C_8YCT<_M2?M-^$_ D^OP"?2-/\
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M$KP/\&OAOK_Q=^)GB"/2?#GA?1KG5=>U.6-W6TL[>)I9I2J!F;:B,=J@L<8
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M0RPO[/5+&'4]/N%EM[F%98)4Z.C %6'L00:EK"^%O_),O#G_ & ;/_T2E;M
M!1110 4444 %%%% ''>+?VA?@7X#^*7AKX'^,?BYX>T[QGXQ>9?"WA2ZU6)=
M1U/RH9)I&AM\^8Z+'%(S/C:-N"<D [?COQ[X'^%W@[4OB'\2O&&E^'] T>T>
MZU;6M:OX[6TLX%&6DEED(2-1W+$"OSG_ ."B/PS^'7A+_@OY^P%XZ\+>!=(T
MW6?$=U\21K^J6&FQ0W&I>3H4!B,\B*&E*>=+M+$D;VQUK[L_:$_9E^%W[45A
MX=\+_&K1(=<\-:%XBCUJY\+:A LUAJ]Q#%(MNEW$X*SPQ22"<1,"IEAA8@[
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M=OV>?A+^VI\.?$'C/SW@@T#3/$\$DMU*F=T<!#;+AQ@DK$S'"DXX->E?'?\
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MK*)9 WR+_P $9&_8B^,W_!2#]K']L#]ASXN>%F\+^(KG0]$7P-X8'V7S)K2
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M)T#P1>SS?"?P#J,\K307.QX7\07\2QG%X\32):V_)MH979_W\[1V_P"C=O\
M"/X46G@F3X:6OPQ\/1^')B3-X?CT6!;%R7#DF )Y9^<!N5Z@'K6#_P ,G_LL
M_P#1M7P__P#"-L?_ (U0!X;XC^,_@W]NSXK_ +//AWX9+?3>#-0CG^+>HR:A
M9-;M>:5I^V'0V>)_FC6YOKRVU"$.%<KIAW*C!E'L_P 6/VQ_V5/@/\3_  [\
M&/C9^T)X2\)>*/%MO+/X;T?Q%K<5G)J"1L%8QF5E4G<0 ,Y8Y"@X..VTKP1X
M+T+6&\0Z)X0TNSU!M+M]-:^M=/CCF-E;M(T%L750WDQM-,4CSM0RN0!N.<?X
MI_ /X%_'.&SMOC9\%O"7C&/3G9]/C\4^'+74%M6; 8QB>-]A.!DC&<#TH ^'
MOA!^SI\*O&7_  7XUC]LO]D:WTN/PQIGP0N-#^+^O^%A'_9FK^)+C4(Y+>U:
M2+]W/>+;Q":?:6,8CM?,PT@SF_\ !SQXD\/>'OV)/AHVO:W:68?]HWPA(GVJ
MX5-R1SS/(PW'D*@+$]@,FOT2\.>&O#G@_0[;PQX2T"RTO3;*(1V>GZ=:I!!
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M8W&HWMQ<6[-Y=BJK&4+L%DN# B99\'['_;XU73-#_89^,NJZSJ$%I:P_"OQ
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M=M?0_P#P6]U/2=$_X)#?M$2ZE?06L3_"?5[>%II BM));LD<8SU9F95 ZDD
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M $9?#G@+PCI>B:<DC.EAI%A';0JS'+,$C4*"3U..:TZ "BBB@ HHHH ****
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M^-OBMXLLO"'PZ^'?AZUTO3EE8%S#!"L-M9V\8YFF98U1(U&21V )'Q5\'/\
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M(OA]\/\ P%HNA:!!&T<&B:/I<-K9QHV=RK#&JH <G( YR: /SJ_:#_X+$?\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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M@_P=<^(_%G@Z7Q-\+?B/\.[6ZL['7K2(3F6WNM/NI[A[.X5;2Y;Y;B1#Y7&
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M5>0!6)9$\Q?,C#$MY4L9).<U\T?\%\O^"Q7QW_X)O-\/?AI^R7X1\,:OXO\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M,7CGPS^R[^S3XI^)6D>%84T;X=>!K[4[71-/B$4:VUA9O*MO$JC"+LB"* ,
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M&W@?P5HWA?QOIWBC^U]<2ZN9IIK.&XCBM5MH8U2*(><&+^8Q.T*%7J0#SO\
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
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MY=*\2^*/"7A'5-3U-;*9#'<):)<W44<#NC,GF,7*AR5PP#@ \!\&_%_]FO\
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M*=(9W<VL\D*1W";6D<AQ'N/[O[IA5B[X7?\ !/#]O"+_ (*NZ?\ \%,OB_\
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MA?QGX7M-)^*_@'57O,>,)X-^S46:*(I:74:E(TD59,K&Q;_7R"OMR@ HHHH
M**** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ H
MHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BB
MB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ****
M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@
MHHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "B
MBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH ***
M* "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
M **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@#
"_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>26
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734622315696">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Cover - USD ($)<br> $ in Billions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Mar. 04, 2024</div></th>
<th class="th"><div>Jun. 30, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">10-K<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentAnnualReport', window );">Document Annual Report</a></td>
<td class="text">true<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--12-31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec. 31,  2023<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentTransitionReport', window );">Document Transition Report</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-16577<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">NEW YORK COMMUNITY BANCORP, INC.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">06-1377322<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">102 Duffy Avenue,<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Hicksville,<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">11801<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">516<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">683-4100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
<td class="text">No<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityInteractiveDataCurrent', window );">Entity Interactive Data Current</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
<td class="text">Large Accelerated Filer<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntitySmallBusiness', window );">Entity Small Business</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_IcfrAuditorAttestationFlag', window );">ICFR Auditor Attestation Flag</a></td>
<td class="text">true<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFinStmtErrorCorrectionFlag', window );">Document Financial Statement Error Correction [Flag]</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityShellCompany', window );">Entity Shell Company</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 8.0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">797,921,126<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentsIncorporatedByReferenceTextBlock', window );">Documents Incorporated by Reference</a></td>
<td class="text">Portions of the definitive Proxy Statement for the Annual Meeting of Shareholders to be held on May&#160;17, 2024 are incorporated by reference into Part III.<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000910073<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2023<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">FY<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock (Par Value: $0.01)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $0.01 par value per share<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NYCB<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fbc_BifurcatedOptionNotesUnitSecuritiesMember', window );">Bifurcated Option Notes Unit Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Bifurcated Option Note Unit SecuritiESSM<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NYCB PU<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember', window );">Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Depositary Shares each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NYCB PA<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentAnnualReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as an annual report.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentAnnualReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFinStmtErrorCorrectionFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates whether any of the financial statement period in the filing include a restatement due to error correction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection w<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFinStmtErrorCorrectionFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentTransitionReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as a transition report.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Forms 10-K, 10-Q, 20-F<br> -Number 240<br> -Section 13<br> -Subsection a-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentTransitionReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentsIncorporatedByReferenceTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Documents incorporated by reference.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-23<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentsIncorporatedByReferenceTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCurrentReportingStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFilerCategory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:filerCategoryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityInteractiveDataCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-T<br> -Number 232<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInteractiveDataCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityPublicFloat">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityPublicFloat</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityShellCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityShellCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntitySmallBusiness">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates that the company is a Smaller Reporting Company (SRC).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntitySmallBusiness</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityVoluntaryFilers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityWellKnownSeasonedIssuer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_IcfrAuditorAttestationFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_IcfrAuditorAttestationFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fbc_BifurcatedOptionNotesUnitSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fbc_BifurcatedOptionNotesUnitSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>27
<FILENAME>R2.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618166128">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Audit Information<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_AuditInformationAbstract', window );"><strong>Audit Information [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorFirmId', window );">Auditor Firm ID</a></td>
<td class="text">238<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorName', window );">Auditor Name</a></td>
<td class="text">KPMG LLP<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AuditorLocation', window );">Auditor Location</a></td>
<td class="text">New York, New York<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorFirmId">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>PCAOB issued Audit Firm Identifier</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorFirmId</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:nonemptySequenceNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorLocation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorLocation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:internationalNameItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:internationalNameItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_AuditInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Audit Information [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_AuditInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>28
<FILENAME>R3.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617915136">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements of Condition - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 11,475<span></span>
</td>
<td class="nump">$ 2,032<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract', window );"><strong>Securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Debt Securities available-for-sale ($2,822 and $434 pledged at December&#160;31, 2023 and December&#160;31, 2022, respectively)</a></td>
<td class="nump">9,145<span></span>
</td>
<td class="nump">9,060<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNi', window );">Equity investments with readily determinable fair values, at fair value</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent', window );">Total securities</a></td>
<td class="nump">9,159<span></span>
</td>
<td class="nump">9,074<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleAmount', window );">Loans held for sale ($902 and $1,115 measured at fair value, respectively)</a></td>
<td class="nump">1,182<span></span>
</td>
<td class="nump">1,115<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">84,619<span></span>
</td>
<td class="nump">69,001<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Less: Allowance for credit losses on loans and leases</a></td>
<td class="num">(992)<span></span>
</td>
<td class="num">(393)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Total loans and leases held for investment, net</a></td>
<td class="nump">83,627<span></span>
</td>
<td class="nump">68,608<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStock', window );">Federal Home Loan Bank stock and Federal Reserve Bank stock, at cost</a></td>
<td class="nump">1,392<span></span>
</td>
<td class="nump">1,267<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
<td class="nump">652<span></span>
</td>
<td class="nump">491<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IntangibleAssetsNetExcludingGoodwill', window );">Core deposit and other intangibles</a></td>
<td class="nump">625<span></span>
</td>
<td class="nump">287<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,426<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAsset', window );">Mortgage servicing rights</a></td>
<td class="nump">1,111<span></span>
</td>
<td class="nump">1,033<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Bank-owned life insurance</a></td>
<td class="nump">1,580<span></span>
</td>
<td class="nump">1,561<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">3,254<span></span>
</td>
<td class="nump">2,250<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">114,057<span></span>
</td>
<td class="nump">90,144<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsAbstract', window );"><strong>Deposits:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilities', window );">Interest-bearing checking and money market accounts</a></td>
<td class="nump">30,700<span></span>
</td>
<td class="nump">22,511<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings accounts</a></td>
<td class="nump">8,773<span></span>
</td>
<td class="nump">11,645<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
<td class="nump">21,554<span></span>
</td>
<td class="nump">12,510<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilities', window );">Non-interest-bearing accounts</a></td>
<td class="nump">20,499<span></span>
</td>
<td class="nump">12,055<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
<td class="nump">81,526<span></span>
</td>
<td class="nump">58,721<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SecuritiesBorrowedAbstract', window );"><strong>Borrowed funds:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances', window );">Federal Home Loan Bank and Federal Reserve Bank advances</a></td>
<td class="nump">20,250<span></span>
</td>
<td class="nump">20,325<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior subordinated debentures</a></td>
<td class="nump">579<span></span>
</td>
<td class="nump">575<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Subordinated notes</a></td>
<td class="nump">438<span></span>
</td>
<td class="nump">432<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Total borrowed funds</a></td>
<td class="nump">21,267<span></span>
</td>
<td class="nump">21,332<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">2,897<span></span>
</td>
<td class="nump">1,267<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">105,690<span></span>
</td>
<td class="nump">81,320<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Stockholders' equity:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock at par $0.01 (5,000,000 shares authorized): Series A (515,000 shares issued and outstanding)</a></td>
<td class="nump">503<span></span>
</td>
<td class="nump">503<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock at par $0.01 (900,000,000 shares authorized; 744,155,791 and 705,429,386 shares issued; and 722,066,370 and 681,217,334 shares outstanding, respectively)</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Paid-in capital in excess of par</a></td>
<td class="nump">8,231<span></span>
</td>
<td class="nump">8,130<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">443<span></span>
</td>
<td class="nump">1,041<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonValue', window );">Treasury stock, at cost ($22,089,421 and 24,212,052 shares, respectively)</a></td>
<td class="num">(218)<span></span>
</td>
<td class="num">(237)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract', window );"><strong>Accumulated other comprehensive loss, net of tax:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Net unrealized loss on securities available for sale, net of tax of $225 and $240, respectively</a></td>
<td class="num">(581)<span></span>
</td>
<td class="num">(626)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax', window );">Net unrealized loss on pension and post-retirement obligations, net of tax of $12 and $18, respectively</a></td>
<td class="num">(28)<span></span>
</td>
<td class="num">(46)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax', window );">Net unrealized gain on cash flow hedges, net of tax of $(6) and $(20), respectively</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">52<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Total accumulated other comprehensive loss, net of tax</a></td>
<td class="num">(599)<span></span>
</td>
<td class="num">(620)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders&#8217; equity</a></td>
<td class="nump">8,367<span></span>
</td>
<td class="nump">8,824<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders&#8217; equity</a></td>
<td class="nump">$ 114,057<span></span>
</td>
<td class="nump">$ 90,144<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Securities, Available For Sale, Excluding Interest and Equity Securities, Current</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FederalHomeLoanBankAndFederalReserveBankAdvances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Federal Home Loan Bank And Federal Reserve Bank Advances</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FederalHomeLoanBankAndFederalReserveBankAdvances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of accumulated unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-14<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of accumulated other comprehensive (income) loss for defined benefit plan, that has not been recognized in net periodic benefit cost (credit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-14A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-10A<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of accumulated increase (decrease) in equity from transaction and other event and circumstance from nonowner source.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-14A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480016/944-40-65-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480016/944-40-65-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-14<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of excess of issue price over par or stated value of stock and from other transaction involving stock or stockholder. Includes, but is not limited to, additional paid-in capital (APIC) for common and preferred stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdditionalPaidInCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of accumulated gain (loss) on derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-25<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 23: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481404/852-10-50-7<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 26: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483467/210-10-45-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsSavingsDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsSavingsDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquitySecuritiesFvNi">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI), classified as current.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483467/210-10-45-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482736/825-10-45-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquitySecuritiesFvNi</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 325<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481026/942-325-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482548/350-20-55-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482598/350-20-45-1<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IntangibleAssetsNetExcludingGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts of all intangible assets, excluding goodwill, as of the balance sheet date, net of accumulated amortization and impairment charges.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph ((a)(1),(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482686/350-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IntangibleAssetsNetExcludingGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all domestic and foreign interest-bearing deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, the carrying value of junior subordinated long-term debt owed to unconsolidated subsidiary trusts as of the balance sheet date. Such debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets and was initially scheduled to be repaid after one year or beyond the normal operating cycle if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.16)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-25<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 19: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481404/852-10-50-7<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481404/852-10-50-7<br><br>Reference 21: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 22: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19-26)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before valuation allowance, of financing receivable classified as held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481990/310-10-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 948<br> -SubTopic 310<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481852/948-310-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableHeldForSaleAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(21))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 360<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482099/360-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 360<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480842/942-360-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated undistributed earnings (deficit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (g)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480016/944-40-65-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480016/944-40-65-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480990/946-20-50-11<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(23)(a)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SecuritiesBorrowedAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SecuritiesBorrowedAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of servicing assets that are subsequently measured at fair value and servicing assets that are subsequently measured using the amortization method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 11: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 13: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 14: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480418/310-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubordinatedDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubordinatedDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit liabilities, including certificates of deposit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 405<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481047/942-405-50-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockCommonValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount allocated to previously issued common shares repurchased by the issuing entity and held in treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481520/505-30-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481549/505-30-45-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.30)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockCommonValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>29
<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734622324176">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements of Condition (Parenthetical) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementOfFinancialPositionAbstract', window );"><strong>Statement of Financial Position [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRestricted', window );">Pledged investment securities</a></td>
<td class="nump">$ 2,822<span></span>
</td>
<td class="nump">$ 434<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">$ 902<span></span>
</td>
<td class="nump">$ 1,115<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in usd per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized (in shares)</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">5,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">515,000<span></span>
</td>
<td class="nump">515,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares outstanding (in shares)</a></td>
<td class="nump">515,000<span></span>
</td>
<td class="nump">515,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in usd per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">900,000,000<span></span>
</td>
<td class="nump">900,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">744,155,791<span></span>
</td>
<td class="nump">705,429,386<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock, shares outstanding (in shares)</a></td>
<td class="nump">722,066,370<span></span>
</td>
<td class="nump">681,217,334<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockCommonShares', window );">Treasury stock (in shares)</a></td>
<td class="nump">22,089,421<span></span>
</td>
<td class="nump">24,212,052<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax', window );">Net unrealized loss on securities available for sale, tax</a></td>
<td class="nump">$ 225<span></span>
</td>
<td class="nump">$ 240<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax', window );">Net unrealized loss on pension and post-retirement obligations, tax</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_AOCICashFlowHedgeCumulativeGainLossTax', window );">Net unrealized (loss) gain on cash flow hedges, tax</a></td>
<td class="num">$ (6)<span></span>
</td>
<td class="num">$ (20)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_AOCICashFlowHedgeCumulativeGainLossTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>AOCI, Cash Flow Hedge, Cumulative Gain (Loss), Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_AOCICashFlowHedgeCumulativeGainLossTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>AOCI, Debt Securities, Available-for-Sale, Adjustment, Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, Tax</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleRestricted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of restricted investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (b)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481420/860-30-50-1A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480632/954-210-45-4<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480602/954-210-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleRestricted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansHeldForSaleFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-13<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-13<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(16)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfFinancialPositionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementOfFinancialPositionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockCommonShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of previously issued common shares repurchased by the issuing entity and held in treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockCommonShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>30
<FILENAME>R5.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617948928">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Income and Comprehensive Income - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>INTEREST INCOME:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Loans and leases</a></td>
<td class="nump">$ 4,509<span></span>
</td>
<td class="nump">$ 1,848<span></span>
</td>
<td class="nump">$ 1,525<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecurities', window );">Securities and money market investments</a></td>
<td class="nump">982<span></span>
</td>
<td class="nump">244<span></span>
</td>
<td class="nump">164<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
<td class="nump">5,491<span></span>
</td>
<td class="nump">2,092<span></span>
</td>
<td class="nump">1,689<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>INTEREST EXPENSE:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseDemandDepositAccounts', window );">Interest-bearing checking and money market accounts</a></td>
<td class="nump">943<span></span>
</td>
<td class="nump">226<span></span>
</td>
<td class="nump">31<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseSavingsDeposits', window );">Savings accounts</a></td>
<td class="nump">169<span></span>
</td>
<td class="nump">60<span></span>
</td>
<td class="nump">28<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseTimeDeposits', window );">Certificates of deposit</a></td>
<td class="nump">646<span></span>
</td>
<td class="nump">97<span></span>
</td>
<td class="nump">55<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseLongTermDebt', window );">Borrowed funds</a></td>
<td class="nump">656<span></span>
</td>
<td class="nump">313<span></span>
</td>
<td class="nump">286<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
<td class="nump">2,414<span></span>
</td>
<td class="nump">696<span></span>
</td>
<td class="nump">400<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
<td class="nump">3,077<span></span>
</td>
<td class="nump">1,396<span></span>
</td>
<td class="nump">1,289<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for credit losses</a></td>
<td class="nump">833<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provision for credit loan losses</a></td>
<td class="nump">2,244<span></span>
</td>
<td class="nump">1,263<span></span>
</td>
<td class="nump">1,286<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>NON-INTEREST INCOME:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FeeIncome', window );">Fee income</a></td>
<td class="nump">172<span></span>
</td>
<td class="nump">27<span></span>
</td>
<td class="nump">23<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Bank-owned life insurance</a></td>
<td class="nump">43<span></span>
</td>
<td class="nump">32<span></span>
</td>
<td class="nump">29<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtAndEquitySecuritiesGainLoss', window );">Net loss on securities</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MortgageServicingRightsMSRImpairmentRecovery', window );">Net return on mortgage servicing rights</a></td>
<td class="nump">103<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Net gain on loan sales and securitizations</a></td>
<td class="nump">89<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_LoanAdministrationIncomeExpense', window );">Net loan administration income</a></td>
<td class="nump">82<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain</a></td>
<td class="nump">2,131<span></span>
</td>
<td class="nump">159<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other</a></td>
<td class="nump">68<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total non-interest income</a></td>
<td class="nump">2,687<span></span>
</td>
<td class="nump">247<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>NON-INTEREST EXPENSE:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Compensation and benefits</a></td>
<td class="nump">1,149<span></span>
</td>
<td class="nump">354<span></span>
</td>
<td class="nump">303<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Occupancy and equipment</a></td>
<td class="nump">200<span></span>
</td>
<td class="nump">92<span></span>
</td>
<td class="nump">88<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GeneralAndAdministrativeExpense', window );">General and administrative</a></td>
<td class="nump">750<span></span>
</td>
<td class="nump">158<span></span>
</td>
<td class="nump">127<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingCostsAndExpenses', window );">Total operating expense</a></td>
<td class="nump">2,099<span></span>
</td>
<td class="nump">604<span></span>
</td>
<td class="nump">518<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationOfIntangibleAssets', window );">Intangible asset amortization</a></td>
<td class="nump">126<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationAcquisitionRelatedCosts', window );">Merger-related and restructuring expenses</a></td>
<td class="nump">330<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="nump">23<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="nump">2,426<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total non-interest expense</a></td>
<td class="nump">4,981<span></span>
</td>
<td class="nump">684<span></span>
</td>
<td class="nump">541<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">(Loss) Income before income taxes</a></td>
<td class="num">(50)<span></span>
</td>
<td class="nump">826<span></span>
</td>
<td class="nump">806<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">29<span></span>
</td>
<td class="nump">176<span></span>
</td>
<td class="nump">210<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="num">(79)<span></span>
</td>
<td class="nump">650<span></span>
</td>
<td class="nump">596<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsIncomeStatementImpact', window );">Preferred stock dividends</a></td>
<td class="nump">33<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="nump">33<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net (loss) income available to common stockholders</a></td>
<td class="num">$ (112)<span></span>
</td>
<td class="nump">$ 617<span></span>
</td>
<td class="nump">$ 563<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic (in usd per share)</a></td>
<td class="num">$ (0.16)<span></span>
</td>
<td class="nump">$ 1.26<span></span>
</td>
<td class="nump">$ 1.20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted (in usd per share)</a></td>
<td class="num">$ (0.16)<span></span>
</td>
<td class="nump">$ 1.26<span></span>
</td>
<td class="nump">$ 1.20<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="num">$ (79)<span></span>
</td>
<td class="nump">$ 650<span></span>
</td>
<td class="nump">$ 596<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossTaxAbstract', window );"><strong>Other comprehensive gain (loss), net of tax:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Change in net unrealized loss on securities available for sale, net of tax of $(15); $223 and $42, respectively</a></td>
<td class="nump">45<span></span>
</td>
<td class="num">(581)<span></span>
</td>
<td class="num">(112)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax', window );">Change in pension and post-retirement obligations, net of tax of $(5); $6 and $(8), respectively</a></td>
<td class="nump">12<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="nump">23<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent', window );">Change in net unrealized gain on cash flow hedges, net of tax of $(3); $(24) and $(2), respectively</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">64<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax', window );">Reclassification adjustment for defined benefit pension plan, net of tax of $(1); $&#8212; and $(2), respectively</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax', window );">Reclassification adjustment for net (loss) gain on cash flow hedges included in net income, net of tax $17; $1 and $(7), respectively</a></td>
<td class="num">(48)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Total other comprehensive gain (loss), net of tax</a></td>
<td class="nump">21<span></span>
</td>
<td class="num">(535)<span></span>
</td>
<td class="num">(60)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Total comprehensive (loss) income, net of tax</a></td>
<td class="num">$ (58)<span></span>
</td>
<td class="nump">$ 115<span></span>
</td>
<td class="nump">536<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>NON-INTEREST INCOME:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Net gain on loan sales and securitizations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_LoanAdministrationIncomeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Loan Administration Income (Expense)</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_LoanAdministrationIncomeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482686/350-30-45-2<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationOfIntangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsuranceIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsuranceIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationAcquisitionRelatedCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This element represents acquisition-related costs incurred to effect a business combination which costs have been expensed during the period. Such costs include finder's fees; advisory, legal, accounting, valuation, and other professional or consulting fees; general administrative costs, including the costs of maintaining an internal acquisitions department; and may include costs of registering and issuing debt and equity securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 25<br> -Paragraph 23<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479405/805-10-25-23<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationAcquisitionRelatedCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>In a business combination in which the amount of net identifiable assets acquired and liabilities assumed exceeds the aggregate consideration transferred or to be transferred (as defined), this element represents the amount of gain recognized by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-5<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-2<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-4<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479581/805-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(24))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(26))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComprehensiveIncomeNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtAndEquitySecuritiesGainLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized and realized gain (loss) on investment in debt and equity securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(7)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(9)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtAndEquitySecuritiesGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482635/260-10-55-15<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-7<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-10<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 52<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482635/260-10-55-52<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482635/260-10-55-15<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-7<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 52<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482635/260-10-55-52<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeeIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of fee income including, but not limited to, managerial assistance, servicing of investment, and origination and commitment fees.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(1)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FeeIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfNotesReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfNotesReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GeneralAndAdministrativeExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate total of expenses of managing and administering the affairs of an entity, including affiliates of the reporting entity, which are not directly or indirectly associated with the manufacture, sale or creation of a product or product line.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(2)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GeneralAndAdministrativeExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482548/350-20-55-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482598/350-20-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479557/942-235-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 25<br> -Paragraph 1<br> -SubTopic 20<br> -Topic 940<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481913/940-20-25-1<br><br>Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-10<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -SubTopic 20<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482659/740-20-45-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -SubTopic 10<br> -Topic 235<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 39<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480228/946-830-45-39<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperatingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperatingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndFeeIncomeLoansAndLeases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483581/946-220-45-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482925/835-30-45-3<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483013/835-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDemandDepositAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest expense incurred on demand deposit accounts that represent borrowings rather than outstanding drafts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseDemandDepositAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseLongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Aggregate amount of interest paid or due on all long-term debt.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (b)<br> -Subparagraph (1)<br> -Publisher SEC<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.8)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseLongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseSavingsDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest expense incurred on all savings account deposits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (b)<br> -Subparagraph (1)<br> -Publisher SEC<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseSavingsDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseTimeDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate interest expense incurred on time deposits, including certificates of deposits, in domestic offices.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (b)<br> -Subparagraph (1)<br> -Publisher SEC<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.6)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseTimeDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net amount of operating interest income (expense).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.10)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestIncomeExpenseNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(b)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LaborAndRelatedExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageServicingRightsMSRImpairmentRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The adjustment to the carrying value of the rights retained or purchased to service mortgages. These adjustments are made when the estimate of the fair value is changed. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(6)<br> -SubTopic 50<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MortgageServicingRightsMSRImpairmentRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483581/946-220-45-7<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483499/205-20-50-7<br><br>Reference 35: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 38: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 39: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SAB Topic 6.B)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-5<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-10<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-11<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total aggregate amount of all noninterest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpenseAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestExpenseAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOtherOperatingIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of revenue earned, classified as other, excluding interest income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-03(1)(e))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(13))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestIncomeOtherOperatingIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OccupancyNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 840<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481161/840-30-50-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.6)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.14(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OccupancyNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingCostsAndExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Excludes Selling, General and Administrative Expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingCostsAndExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax and reclassification, of gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness, attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-19<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -SubTopic 10<br> -Topic 810<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-20<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -SubTopic 10<br> -Topic 810<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-1A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, before reclassification adjustment, of (increase) decrease in accumulated other comprehensive income of defined benefit plan, that has not been recognized in net periodic benefit cost (credit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-10A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of reclassification adjustment from accumulated other comprehensive income (loss) for gain (loss) of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-15<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-17A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossTaxAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossTaxAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax and before adjustment, of unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-9<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-10A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendsIncomeStatementImpact">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockDividendsIncomeStatementImpact</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLossesExpensed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of credit loss expense (reversal of expense) for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLossesExpensed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>31
<FILENAME>R6.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734626629616">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Income and Comprehensive Income (Parenthetical) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeStatementAbstract', window );"><strong>Income Statement [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax', window );">Change in net unrealized (loss) gain on securities available for sale, tax</a></td>
<td class="num">$ (15)<span></span>
</td>
<td class="nump">$ 223<span></span>
</td>
<td class="nump">$ 42<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax', window );">Change in pension and post-retirement obligations, tax</a></td>
<td class="num">(5)<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="num">(8)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax', window );">Change in net unrealized gain (loss) on cash flow hedges, tax</a></td>
<td class="num">(3)<span></span>
</td>
<td class="num">(24)<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax', window );">Reclassification adjustment for defined benefit plans, tax</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax', window );">Reclassification adjustment for net gain on cash flow hedges included in net income, tax</a></td>
<td class="nump">$ 17<span></span>
</td>
<td class="nump">$ 1<span></span>
</td>
<td class="num">$ (7)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeStatementAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after adjustment, of tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-10A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-10A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before reclassification, of tax expense (benefit) for gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of tax expense (benefit) for reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before reclassification adjustment, of tax (expense) benefit for (increase) decrease in accumulated other comprehensive income for defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-10A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-12<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-19<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of tax (expense) benefit for reclassification adjustment from accumulated other comprehensive (income) loss of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-12<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-19<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>32
<FILENAME>R7.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617610976">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Consolidated Statements of Changes in Stockholders' Equity - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Total</div></th>
<th class="th"><div>Preferred Stock (Par Value: $0.01)</div></th>
<th class="th"><div>Common Stock (Par Value: $0.01)</div></th>
<th class="th"><div>Paid-in Capital in excess of Par</div></th>
<th class="th"><div>Retained Earnings</div></th>
<th class="th"><div>Treasury Stock, at Cost</div></th>
<th class="th"><div>Accumulated Other Comprehensive Loss, Net of Tax</div></th>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Beginning balance (in shares) at Dec. 31, 2020</a></td>
<td class="nump">463,901,808<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Beginning balance at Dec. 31, 2020</a></td>
<td class="nump">$ 6,842<span></span>
</td>
<td class="nump">$ 503<span></span>
</td>
<td class="nump">$ 5<span></span>
</td>
<td class="nump">$ 6,123<span></span>
</td>
<td class="nump">$ 494<span></span>
</td>
<td class="num">$ (258)<span></span>
</td>
<td class="num">$ (25)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Shares issued for restricted stock, net of forfeitures (in shares)</a></td>
<td class="nump">2,515,942<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Shares issued for restricted stock, net of forfeitures</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(28)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Compensation expense related to restricted stock awards</a></td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="nump">596<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">596<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsCommonStock', window );">Dividends paid on common stock</a></td>
<td class="num">(316)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(316)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsPreferredStock', window );">Dividends paid on preferred stock</a></td>
<td class="num">$ (33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Purchase of common stock (in shares)</a></td>
<td class="num">(1,402,107)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodValue', window );">Purchase of common stock</a></td>
<td class="num">$ (16)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss, net of tax</a></td>
<td class="num">$ (60)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Ending balance (in shares) at Dec. 31, 2021</a></td>
<td class="nump">465,015,643<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Ending balance at Dec. 31, 2021</a></td>
<td class="nump">$ 7,044<span></span>
</td>
<td class="nump">503<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">6,126<span></span>
</td>
<td class="nump">741<span></span>
</td>
<td class="num">(246)<span></span>
</td>
<td class="num">(85)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Dividends paid on common stock (in dollars per share)</a></td>
<td class="nump">$ 0.68<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance and exercise of FDIC Equity appreciation instrument (in shares)</a></td>
<td class="nump">214,990,316<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance and exercise of FDIC Equity appreciation instrument</a></td>
<td class="nump">$ 2,010<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">2,008<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Shares issued for restricted stock, net of forfeitures (in shares)</a></td>
<td class="nump">3,548,310<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Shares issued for restricted stock, net of forfeitures</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Compensation expense related to restricted stock awards</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="nump">650<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">650<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsCommonStock', window );">Dividends paid on common stock</a></td>
<td class="num">(317)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(317)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsPreferredStock', window );">Dividends paid on preferred stock</a></td>
<td class="num">$ (33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Purchase of common stock (in shares)</a></td>
<td class="num">(2,336,935)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodValue', window );">Purchase of common stock</a></td>
<td class="num">$ (24)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(24)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss, net of tax</a></td>
<td class="num">$ (535)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Ending balance (in shares) at Dec. 31, 2022</a></td>
<td class="nump">681,217,334<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Ending balance at Dec. 31, 2022</a></td>
<td class="nump">$ 8,824<span></span>
</td>
<td class="nump">503<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">8,130<span></span>
</td>
<td class="nump">1,041<span></span>
</td>
<td class="num">(237)<span></span>
</td>
<td class="num">(620)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Dividends paid on common stock (in dollars per share)</a></td>
<td class="nump">$ 0.68<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance and exercise of FDIC Equity appreciation instrument (in shares)</a></td>
<td class="nump">39,032,006<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueNewIssues', window );">Issuance and exercise of FDIC Equity appreciation instrument</a></td>
<td class="nump">$ 85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Shares issued for restricted stock, net of forfeitures (in shares)</a></td>
<td class="nump">3,074,565<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Shares issued for restricted stock, net of forfeitures</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(31)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Compensation expense related to restricted stock awards</a></td>
<td class="nump">47<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">47<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="num">(79)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(79)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsCommonStock', window );">Dividends paid on common stock</a></td>
<td class="num">(486)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(486)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendsPreferredStock', window );">Dividends paid on preferred stock</a></td>
<td class="num">$ (33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Purchase of common stock (in shares)</a></td>
<td class="num">(1,257,535)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodValue', window );">Purchase of common stock</a></td>
<td class="num">$ (12)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(12)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent', window );">Other comprehensive loss, net of tax</a></td>
<td class="nump">$ 21<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesOutstanding', window );">Ending balance (in shares) at Dec. 31, 2023</a></td>
<td class="nump">722,066,370<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rc">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Ending balance at Dec. 31, 2023</a></td>
<td class="nump">$ 8,367<span></span>
</td>
<td class="nump">$ 503<span></span>
</td>
<td class="nump">$ 7<span></span>
</td>
<td class="nump">$ 8,231<span></span>
</td>
<td class="nump">$ 443<span></span>
</td>
<td class="num">$ (218)<span></span>
</td>
<td class="num">$ (599)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward', window );"><strong>Increase (Decrease) in Stockholders' Equity [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Dividends paid on common stock (in dollars per share)</a></td>
<td class="nump">$ 0.56<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase to additional paid-in capital (APIC) for recognition of cost for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480483/718-10-35-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481089/718-20-55-13<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 20<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481089/718-20-55-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareCashPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Aggregate dividends paid during the period for each share of common stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockDividendsPerShareCashPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of paid and unpaid common stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -SubTopic 405<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481071/942-405-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPreferredStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -SubTopic 405<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481071/942-405-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendsPreferredStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInStockholdersEquityRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483581/946-220-45-7<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483499/205-20-50-7<br><br>Reference 35: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 38: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 39: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of other comprehensive income (loss) attributable to parent entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-19<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -SubTopic 10<br> -Topic 810<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-20<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -SubTopic 10<br> -Topic 810<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-1A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued which are neither cancelled nor held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of new stock issued during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481004/946-505-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesNewIssues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued during the period related to Restricted Stock Awards, net of any shares forfeited.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueNewIssues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 4<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480767/946-205-45-4<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481004/946-505-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodValueNewIssues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of stock related to Restricted Stock Awards issued during the period, net of the stock value of such awards forfeited.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481004/946-505-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedDuringPeriodShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 205<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 4<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480767/946-205-45-4<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481004/946-505-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedDuringPeriodValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 11: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 13: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 14: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480418/310-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>33
<FILENAME>R8.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734626584544">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementOfStockholdersEquityAbstract', window );"><strong>Statement of Stockholders' Equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Dividends paid on common stock (in dollars per share)</a></td>
<td class="nump">$ 0.56<span></span>
</td>
<td class="nump">$ 0.68<span></span>
</td>
<td class="nump">$ 0.68<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockDividendsPerShareCashPaid', window );">Dividends paid on preferred stock (in dollars per share)</a></td>
<td class="nump">63.76<span></span>
</td>
<td class="nump">63.76<span></span>
</td>
<td class="nump">$ 63.76<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in usd per share)</a></td>
<td class="nump">0.01<span></span>
</td>
<td class="nump">0.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in usd per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareCashPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Aggregate dividends paid during the period for each share of common stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockDividendsPerShareCashPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendsPerShareCashPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Aggregate dividends paid during the period for each share of preferred stock outstanding.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockDividendsPerShareCashPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-13<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementOfStockholdersEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementOfStockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>34
<FILENAME>R9.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617122864">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Consolidated Statements of Cash Flows - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">$ (79)<span></span>
</td>
<td class="nump">$ 650<span></span>
</td>
<td class="nump">$ 596<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>CASH FLOWS FROM OPERATING ACTIVITIES:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for credit losses</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">833<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationOfIntangibleAssets', window );">Intangible asset amortization</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">126<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">39<span></span>
</td>
<td class="nump">18<span></span>
</td>
<td class="nump">21<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationOfDebtDiscountPremium', window );">Amortization of discounts and premiums, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">221<span></span>
</td>
<td class="num">(37)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiGainLoss', window );">Net loss on securities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfNotesReceivable', window );">Net gain on sales of loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(89)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment', window );">Net gain on sales of fixed assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(2)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Gain on business acquisition</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(2,131)<span></span>
</td>
<td class="num">(159)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,426<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">47<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="nump">31<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred tax expense</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(187)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract', window );"><strong>Changes in operating assets and liabilities:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">(Increase) decrease in other assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(721)<span></span>
</td>
<td class="nump">348<span></span>
</td>
<td class="num">(284)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Decrease in other liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(255)<span></span>
</td>
<td class="num">(100)<span></span>
</td>
<td class="num">(6)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_IncreaseInDebtSecuritiesTrading', window );">Purchases of securities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(75)<span></span>
</td>
<td class="num">(110)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DecreaseInDebtSecuritiesTrading', window );">Proceeds from sales of securities held for trading</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">10<span></span>
</td>
<td class="nump">75<span></span>
</td>
<td class="nump">110<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInLoansHeldForSale', window );">Change in loans held for sale, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">32<span></span>
</td>
<td class="nump">147<span></span>
</td>
<td class="num">(52)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">263<span></span>
</td>
<td class="nump">1,026<span></span>
</td>
<td class="nump">290<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>CASH FLOWS FROM INVESTING ACTIVITIES:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Proceeds from repayment of securities available for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,402<span></span>
</td>
<td class="nump">732<span></span>
</td>
<td class="nump">1,728<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans', window );">Proceeds from sales of securities available for sale including loans that have been securitized</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,858<span></span>
</td>
<td class="nump">228<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt', window );">Purchase of securities available for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(3,046)<span></span>
</td>
<td class="num">(2,242)<span></span>
</td>
<td class="num">(1,796)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock', window );">Redemption of Federal Home Loan Bank stock</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">1,501<span></span>
</td>
<td class="nump">635<span></span>
</td>
<td class="nump">92<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock', window );">Purchases of Federal Home Loan Bank and Federal Reserve Bank stock</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(1,626)<span></span>
</td>
<td class="num">(839)<span></span>
</td>
<td class="num">(112)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromLifeInsurancePolicies', window );">Proceeds from bank-owned life insurance, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">30<span></span>
</td>
<td class="nump">16<span></span>
</td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfFinanceReceivables', window );">Proceeds from sales of loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">37<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireFinanceReceivables', window );">Purchases of loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">162<span></span>
</td>
<td class="nump">161<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR', window );">Net proceeds from sales of MSR's</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">50<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables', window );">Other changes in loans, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">4,331<span></span>
</td>
<td class="nump">5,019<span></span>
</td>
<td class="nump">2,558<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment', window );">Purchases of premises and equipment, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(66)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAcquiredFromAcquisition', window );">Cash acquired in business acquisition</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">24,901<span></span>
</td>
<td class="nump">331<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">20,673<span></span>
</td>
<td class="num">(6,323)<span></span>
</td>
<td class="num">(2,762)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>CASH FLOWS FROM FINANCING ACTIVITIES:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net (decrease) increase in deposits</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(10,738)<span></span>
</td>
<td class="nump">7,662<span></span>
</td>
<td class="nump">2,622<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt', window );">Net (decrease) increase in short-term borrowed funds</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(550)<span></span>
</td>
<td class="nump">2,550<span></span>
</td>
<td class="nump">950<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfLongTermDebt', window );">Proceeds from long-term borrowed funds</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">19,850<span></span>
</td>
<td class="nump">9,479<span></span>
</td>
<td class="nump">2,072<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RepaymentsOfLongTermDebt', window );">Repayments of long-term borrowed funds</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(19,374)<span></span>
</td>
<td class="num">(13,960)<span></span>
</td>
<td class="num">(2,544)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities', window );">Net disbursement of payments of loans serviced for others</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(66)<span></span>
</td>
<td class="num">(189)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Cash dividends paid on common stock</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(486)<span></span>
</td>
<td class="num">(317)<span></span>
</td>
<td class="num">(316)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock', window );">Cash dividends paid on preferred stock</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(33)<span></span>
</td>
<td class="num">(33)<span></span>
</td>
<td class="num">(33)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Treasury stock repurchased</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation', window );">Payments relating to treasury shares received for restricted stock award tax payments</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(12)<span></span>
</td>
<td class="num">(17)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash (used in) provided by financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(11,409)<span></span>
</td>
<td class="nump">5,168<span></span>
</td>
<td class="nump">2,735<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net increase in cash, cash equivalents and restricted cash</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">9,527<span></span>
</td>
<td class="num">(129)<span></span>
</td>
<td class="nump">263<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at beginning of year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2,082<span></span>
</td>
<td class="nump">2,211<span></span>
</td>
<td class="nump">1,948<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at end of year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">11,609<span></span>
</td>
<td class="nump">2,082<span></span>
</td>
<td class="nump">2,211<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>Supplemental Cash Flow Information [Abstract]</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestPaidNet', window );">Cash paid for interest</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">2,290<span></span>
</td>
<td class="nump">657<span></span>
</td>
<td class="nump">402<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Cash paid for income taxes</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">54<span></span>
</td>
<td class="nump">17<span></span>
</td>
<td class="nump">471<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract', window );"><strong>Non-cash investing and financing activities:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TransferToOtherRealEstate', window );">Transfers to repossessed assets from loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">9<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale', window );">Securitization of loans to mortgage-backed securities available for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">222<span></span>
</td>
<td class="nump">162<span></span>
</td>
<td class="nump">161<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1', window );">Transfer of loans from held for investment to held for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">163<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">52<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1', window );">Securitization of loans to mortgage-backed securities available for sale</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">94<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans', window );">MSRs resulting from sale or securitization of loans</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationsAbstract', window );"><strong>Business Combinations:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOfAssetsAcquired', window );">Fair value of tangible assets acquired</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">37,384<span></span>
</td>
<td class="nump">24,449<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1', window );">Intangible assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">464<span></span>
</td>
<td class="nump">292<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired', window );">Mortgage servicing rights</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,012<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1', window );">Liabilities assumed</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">35,632<span></span>
</td>
<td class="nump">23,584<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_CommonStockIssuedInBusinessCombination', window );">Common Stock issued in business combination</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,010<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_EquityInstrumentFDICAppreciationIssued', window );">Issuance of FDIC Equity appreciation instrument</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">85<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockUnitsRSUMember', window );">Restricted stock units</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract', window );"><strong>Non-cash investing and financing activities:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssued1', window );">Shares issued for restricted stock awards</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">31<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="nump">28<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationsAbstract', window );"><strong>Business Combinations:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssued1', window );">Shares issued for restricted stock awards</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">31<span></span>
</td>
<td class="nump">$ 33<span></span>
</td>
<td class="nump">$ 28<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract', window );"><strong>Non-cash investing and financing activities:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssued1', window );">Shares issued for restricted stock awards</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationsAbstract', window );"><strong>Business Combinations:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssued1', window );">Shares issued for restricted stock awards</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">For further information on restricted cash, see Note 2 - Summary of Significant Accounting Policies</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_CommonStockIssuedInBusinessCombination">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Common Stock Issued In Business Combination</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_CommonStockIssuedInBusinessCombination</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DecreaseInDebtSecuritiesTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease in Debt Securities, Trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DecreaseInDebtSecuritiesTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_EquityInstrumentFDICAppreciationIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity Instrument, FDIC Appreciation, Issued</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_EquityInstrumentFDICAppreciationIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_IncreaseInDebtSecuritiesTrading">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Increase in Debt Securities, Trading</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_IncreaseInDebtSecuritiesTrading</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Mortgage Servicing Rights Resulting From Sale or Securitization of Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Disbursement Of payments Of Loans Serviced For Others, Financing Activities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Noncash Or Part Noncash Acquisition, Mortgage Servicing Rights Acquired</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Payments For (Proceeds From) Other Changes In Financing Receivables</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Proceeds From Sale Of Debt Securities, Available-For-Sale And Securitized Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Proceeds From Sale (Payments To Acquire) Property, Plant And Equipment</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Securitization of Loans to Mortgage-Backed Securities Available-for-Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfDebtDiscountPremium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense included in interest expense to amortize debt discount and premium associated with the related debt instruments. Excludes amortization of financing costs. Alternate captions include noncash interest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482925/835-30-45-1A<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03.8)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationOfDebtDiscountPremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482686/350-30-45-2<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationOfIntangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>In a business combination in which the amount of net identifiable assets acquired and liabilities assumed exceeds the aggregate consideration transferred or to be transferred (as defined), this element represents the amount of gain recognized by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-5<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-2<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-4<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479581/805-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAcquiredFromAcquisition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the acquisition of business during the period (for example, cash that was held by the acquired business).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAcquiredFromAcquisition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage. Excludes amount for disposal group and discontinued operations. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; including effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -SubTopic 230<br> -Topic 830<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481877/830-230-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.Fact.1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482099/360-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Depreciation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquitySecuritiesFvNiGainLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized and realized gain (loss) on investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(3)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 321<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479536/321-10-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquitySecuritiesFvNiGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOfAssetsAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of assets acquired in noncash investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueOfAssetsAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfNotesReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfNotesReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale or disposal of property, plant and equipment assets, including oil and gas property and timber property.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfPropertyPlantEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482548/350-20-55-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482598/350-20-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-25<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxesPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 230<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481160/942-230-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the value of loans or securitized loans that are held with the intention to sell in the near future.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 21<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-21<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOperatingCapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaidNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash paid for interest, excluding capitalized interest, classified as operating activity. Includes, but is not limited to, payment to settle zero-coupon bond for accreted interest of debt discount and debt instrument with insignificant coupon interest rate in relation to effective interest rate of borrowing attributable to accreted interest of debt discount.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-25<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-25<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483581/946-220-45-7<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483499/205-20-50-7<br><br>Reference 35: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 38: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 39: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of intangibles that an Entity acquires in a noncash (or part noncash) acquisition. Noncash is defined as information about all investing and financing activities of an enterprise during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total amount of [all] liabilities that an Entity assumes in acquiring a business or in consideration for an asset received in a noncash (or part noncash) acquisition. Noncash is defined as transactions during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow to satisfy grantee's tax withholding obligation for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow to acquire investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481830/320-10-45-11<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-13<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireFederalHomeLoanBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow to acquire Federal Home Loan Bank (FHLB) stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquireFederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireFinanceReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for the purchase of amounts due from customers, clients, lessees, borrowers, or others under the terms of its agreements therewith.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquireFinanceReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfLongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from a debt initially having maturity due after one year or beyond the operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-14<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfLongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromLifeInsurancePolicies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow for proceeds from settlement of corporate-owned life insurance policy, classified as investing activities. Includes, but is not limited to, bank-owned life insurance policy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-12<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 21C<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-21C<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromLifeInsurancePolicies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from maturity, prepayment and call of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481830/320-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromRepaymentsOfShortTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from sale of Federal Home Loan Bank (FHLB) stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfFinanceReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the sale of receivables arising from the financing of goods and services.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfFinanceReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the sale of servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. Rights may be obtained via (1) acquisition or assumption of a servicing obligation that does not relate to financial assets of the servicer or its consolidated affiliates; or (2) by originating mortgage loans and then (a) transferring the loans to a Variable Interest Entity (VIE) in a transaction that meets the necessary transfer and classification requirements, or (b) transferring the loans in a transaction that meets the requirements for sale accounting.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLossesExpensed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of credit loss expense (reversal of expense) for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLossesExpensed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfLongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow for debt initially having maturity due after one year or beyond the normal operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RepaymentsOfLongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssued1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of stock issued in noncash financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssued1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SupplementalCashFlowInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SupplementalCashFlowInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of loans held-for-sale transferred to loans held in the entity's portfolio in noncash transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of loans and leases held in the entity's portfolio transferred to loans and leases held-for-sale in noncash transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransferToOtherRealEstate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value transferred from mortgage loans to real estate owned (REO) in noncash transactions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TransferToOtherRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockUnitsRSUMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockUnitsRSUMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>35
<FILENAME>R10.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619612688">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Description of Business, Organization and Basis of Presentation<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>Organization, Consolidation and Presentation of Financial Statements [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock', window );">Description of Business, Organization and Basis of Presentation</a></td>
<td class="text">Description of Business, Organization and Basis of Presentation<div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Organization </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">New York Community Bancorp, Inc. (on a stand-alone basis, the &#8220;Parent Company&#8221; or, collectively with its subsidiaries, the &#8220;Company&#8221; or "we") was organized under Delaware law on July 20, 1993 and is the holding company for Flagstar Bank N.A. (hereinafter referred to as the &#8220;Bank&#8221;).  The Company is headquartered in Hicksville, New York with regional headquarters in Troy, Michigan. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is subject to regulation, examination and supervision by the Federal Reserve. The Bank is a National Association, subject to federal regulation and oversight by the OCC.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On November 23, 1993, the Company issued its initial offering of common stock (par value: $0.01 per share) at a price of $25.00 per share ($0.93 per share on a split-adjusted basis, reflecting the impact of nine stock splits between 1994 and 2004).  The Company has grown organically and through a series of accretive mergers and acquisitions, culminating in its acquisition of Flagstar Bancorp, Inc., which closed on December 1, 2022 and the Signature Transaction which closed on March 20, 2023. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Flagstar Bank, N.A. currently operates 420 branches across twelve states, including strong footholds in the Northeast and Midwest and exposure to markets in the Southeast and West Coast. Flagstar Mortgage operates nationally through a wholesale network of approximately 3,600 third-party mortgage originators.  Flagstar Bank N.A. also operates through nine local divisions, each with a history of service and strength: New York Community Bank, Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio; and AmTrust Bank in Arizona and Florida. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Liquidity</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On a consolidated basis, our funding primarily stems from a combination of the following sources: retail, institutional, and brokered deposits; borrowed funds, primarily in the form of wholesale borrowings; cash flows generated through the repayment and sale of loans; and cash flows generated through the repayment and sale of securities.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We manage our liquidity to ensure that our cash flows are sufficient to support our operations, to compensate for any temporary mismatches between sources and uses of funds caused by variable loan and deposit demand, and to ensure that sufficient funds are available to meet our financial obligations. See Note 22 - Subsequent Events for further information on our recent capital raise.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Basis of Presentation </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a description of the significant accounting and reporting policies that the Company and its subsidiaries follow in preparing and presenting their consolidated financial statements, which conform to U.S. generally accepted accounting principles and to general practices within the banking industry. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and judgments that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. Estimates are used in connection with the determination of the allowance for credit losses, mortgage servicing rights, the Flagstar acquisition and the Signature Transaction. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The accompanying consolidated financial statements include the accounts of the Company and other entities in which the Company has a controlling financial interest. All inter-company accounts and transactions are eliminated in consolidation. The Company currently has certain unconsolidated subsidiaries in the form of wholly-owned statutory business trusts, which were formed to issue guaranteed capital securities. See Note 12 - Borrowed Funds for additional information regarding these trusts. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When necessary, certain reclassifications have been made to prior-year amounts to conform to the current-year presentation.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Loans</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Effective January 1, 2023, the Company adopted the provisions of Accounting Standards Update (ASU) No. 2022-02, "Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures" (ASU 2022-02), which eliminated the accounting for troubled debt restructurings (TDRs) while expanding loan modification and vintage disclosure requirements. Under ASU 2022-02, the Corporation assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty, regardless of whether the modified loan terms include a concession. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof (collectively referred to as Troubled Debt Modifications or TDMs).</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to the adoption of ASU 2022-02, the Company accounted for certain loan modifications and restructurings as TDRs. In general, a modification or restructuring of a loan constituted a TDR if the Company granted a concession to a borrower experiencing financial difficulty.</span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adoption of New Accounting Standards</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:20.976%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.870%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.854%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Standard</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Description</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Effective Date</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2022-02 eliminates prior accounting guidance for TDRs, while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. The standard also requires that an entity disclose current-period gross charge-offs by year of origination for financing receivables and net investments in leases. <br/></span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">The Company adopted ASU 2022-02 effective January 1, 2023 using a modified retrospective transition approach for the amendments related to the recognition and measurement of TDRs. The impact of the adoption resulted in an immaterial change to the allowance for credit losses ("ACL"), thus no adjustment to retained earnings was recorded. Disclosures have been updated to reflect information on loan modifications given to borrowers experiencing financial difficulty as presented in Note 6. TDR disclosures are presented for comparative periods only and are not required to be updated in current periods. Additionally, the current year vintage disclosure included in Note 6 has been updated to reflect gross charge-offs by year of origination for the three months ended September 30, 2023.</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2023-02 Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method Issued: March 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2023-02 permits reporting entities to elect to account for their tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met.</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">The Company adopted ASU 2023-02 effective January 1, 2023 and it did not have a significant impact on the Company's consolidated financial statements.</span></div></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the general note to the financial statements for the reporting entity which may include, descriptions of the basis of presentation, business description, significant accounting policies, consolidations, reclassifications, new pronouncements not yet adopted and changes in accounting principles.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 235<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//235/tableOfContent<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 275<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//275/tableOfContent<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//810/tableOfContent<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 250<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//250/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>36
<FILENAME>R11.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734626554432">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">Summary of Significant Accounting Policies</a></td>
<td class="text">Summary of Significant Accounting Policies<div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Cash and Cash Equivalents and Restricted Cash</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For cash flow reporting purposes, cash and cash equivalents include cash on hand, amounts due from banks, and money market investments, which include federal funds sold and reverse repurchase agreements, if any. At December&#160;31, 2023 and 2022, the Company&#8217;s cash and cash equivalents totaled $11.5 billion and $2.0 billion, respectively. Included in cash and cash equivalents at those dates were $10.7&#160;billion and $837&#160;million</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">respectively, of interest-bearing deposits in other financial institutions, primarily consisting of balances due from the FRB-NY.   There were no reverse repurchase agreements outstanding as of December&#160;31, 2023 and $793&#160;million of reverse repurchase agreements were outstanding at December&#160;31, 2022. There were no federal funds sold outstanding at December&#160;31, 2023 or December&#160;31, 2022. Restricted cash totaled $134&#160;million and $50&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively and includes cash that the Bank pledges as maintenance margin on centrally cleared derivatives and is included in other assets on the Consolidated Statements of Condition.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Debt Securities and Equity Investments with Readily Determinable Fair Values</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The securities portfolio primarily consists of mortgage-related securities and, to a lesser extent, debt and equity securities. Securities that are classified as &#8220;available for sale&#8221; are carried at their estimated fair value, with any unrealized gains or losses, net of taxes, reported as accumulated other comprehensive income or loss in stockholders&#8217; equity. Securities that the Company has the intent and ability to hold to maturity are classified as &#8220;held to maturity&#8221; and carried at amortized cost. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of our securities&#8212;and particularly our fixed-rate securities&#8212;are affected by changes in market interest rates and credit spreads. In general, as interest rates rise and/or credit spreads widen, the fair value of fixed-rate securities will decline. As interest rates fall and/or credit spreads tighten, the fair value of fixed-rate securities will rise. </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates available-for-sale debt securities in unrealized loss positions at least quarterly to determine if an allowance for credit losses is required. Based on an evaluation of available information about past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, the Company has concluded that it expects to receive all contractual cash flows from each security held in its available-for-sale securities portfolio. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company first assesses whether (i) it intends to sell, or (ii) it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. If either of these criteria is met, any previously recognized allowances are charged off and the security&#8217;s amortized cost basis is written down to fair value through income. If neither of the aforementioned criteria are met, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management has made the accounting policy election to exclude accrued interest receivable on available-for-sale securities from the estimate of credit losses. Available-for-sale debt securities are placed on non-accrual status when the Company no longer expects to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest receivable is reversed against interest income when a security is placed on non-accrual status. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Equity investments with readily determinable fair values are measured at fair value with changes in fair value recognized in net income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Premiums and discounts on securities are amortized to expense and accreted to income over the remaining period to contractual maturity using the interest method, and are adjusted for anticipated prepayments. Dividend and interest income are recognized when earned. The cost of securities sold is based on the specific identification method. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Federal Home Loan Bank Stock</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a member of the FHLB-NY, the Company is required to hold shares of FHLB-NY stock, which is carried at cost.  In addition, in connection with the Flagstar acquisition, the Company also holds shares of FHLB-Indianapolis stock, which is carried at cost. The Company&#8217;s holding requirement varies based on certain factors, including its outstanding borrowings from the FHLB-NY and FHLB-Indianapolis. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company conducts a periodic review and evaluation of its FHLB-NY stock to determine if any impairment exists. The factors considered in this process include, among others, significant deterioration in FHLB-NY earnings performance, credit rating, or asset quality; significant adverse changes in the regulatory or economic environment; and other factors that could raise significant concerns about the creditworthiness and the ability of the FHLB-NY to continue as a going concern. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loans Held-for-Sale</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company classifies loans as LHFS when we originate or purchase loans that we intend to sell. We have elected the fair value option for the majority of our LHFS. The Company estimates the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral. Changes in fair value are recorded to other noninterest income on the Consolidated Statements of Income and Comprehensive Income. LHFS that are recorded at the lower of cost or fair value may be carried at fair value on a nonrecurring basis when the fair value is less than cost. For further information, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 18 - Fair Value Measures</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans that are transferred into the LHFS portfolio from the LHFI portfolio, due to a change in intent, are recorded at the lower of cost or fair value. Gains or losses recognized upon the sale of loans are determined using the specific identification method.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loans Held for Investment</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans and leases, net, are carried at unpaid principal balances, including unearned discounts, purchase accounting (i.e., acquisition-date fair value) adjustments, net deferred loan origination costs or fees, and the allowance for credit losses on loans and leases. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company recognizes interest income on loans using the interest method over the life of the loan. Accordingly, the Company defers certain loan origination and commitment fees, and certain loan origination costs, and amortizes the net fee or cost as an adjustment to the loan yield over the term of the related loan. When a loan is sold or repaid, the remaining net unamortized fee or cost is recognized in interest income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prepayment income on loans is recorded in interest income and only when cash is received. Accordingly, there are no assumptions involved in the recognition of prepayment income.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Two factors are considered in determining the amount of prepayment income: the prepayment penalty percentage set forth in the loan documents, and the principal balance of the loan at the time of prepayment. The volume of loans prepaying may vary from one period to another, often in connection with actual or perceived changes in the direction of market interest rates. When interest rates are declining, rising precipitously, or perceived to be on the verge of rising, prepayment income may increase as more borrowers opt to refinance and lock in current rates prior to further increases taking place. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan generally is classified as a &#8220;non-accrual&#8221; loan when it is 90 days or more past due or when it is deemed to be impaired because the Company no longer expects to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, management ceases the accrual of interest owed, and previously accrued interest is charged against interest income. A loan is generally returned to accrual status when the loan is current and management has reasonable assurance that the loan will be fully collectible. Interest income on non-accrual loans is recorded when received in cash. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loans with Government Guarantees</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company originates government guaranteed loans which are pooled and sold as Ginnie Mae MBS. Pursuant to Ginnie Mae servicing guidelines, the Company has the unilateral right to repurchase loans securitized in Ginnie Mae pools that are due, but unpaid, for three consecutive months. As a result, once the delinquency criteria have been met, and regardless of whether the repurchase option has been exercised, the Company accounts for the loans as if they had been repurchased. The Company recognizes the loans and corresponding liability as loans with government guarantees and loans with government guarantees repurchase options, respectively, in the Consolidated Statements of Condition. If the loan is repurchased, the liability is cash settled and the loan with government guarantee remains. Once repurchased, the Company works to cure the outstanding loans such that they are re-eligible for sale or may begin foreclosure and recover losses through a claims process with the government agency, as an approved lender.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Allowance for Credit Losses on Loans and Leases</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses on loans and leases is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount the Company expects to collect. Amortized cost is the unpaid loan balance, net of deferred fees and expenses, and includes negative escrow. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense. Management estimates the allowance by projecting and multiplying together the probability-of-default, loss- given-default and exposure-at-default depending on economic parameters for each month of the remaining contractual term, as well as credit ratings for certain loans within the commercial and industrial portfolio. The Company loss drivers for certain loans in the commercial and industrial portfolio are derived using leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast. The Company estimates the exposure-at-default using prepayment models which forecasts prepayments over the life of the loans and leases. The economic forecast and the related economic parameters are developed using available information relating to past events, current conditions, multiple economic forecasts scenarios, including related weightings, over the reasonable and supportable forecast period and macroeconomic assumptions. The economic forecast scenarios and related economic parameters are sourced from independent third parties. The economic forecast reasonable and supportable period is 24 months, and afterwards the Company reverts to a historical average loss rate on a straight-line basis over a 12-month period. Historical credit loss experience over the historical loss observation period provides the basis for the estimation of expected credit losses, with qualitative factor adjustments made </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, current collateral valuations, delinquency levels and terms, as well as for changes in environmental conditions, such as changes in legislation, regulation, policies, administrative practices or other relevant factors. Expected credit losses are estimated over the contractual term of the loans, adjusted for forecasted prepayments when appropriate. The contractual term excludes potential extensions or renewals. The methodology used in the estimation of the allowance for credit losses on loan and leases, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality and forecasted economic conditions. Each quarter the Company reassesses the appropriateness of the economic forecasting period, the reversion period and historical mean at the portfolio segment level, considering any required adjustments for differences in underwriting standards, portfolio mix, and other relevant data shifts over time.</span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses on loans and leases is measured on a collective (pool) basis when similar risk characteristics exist. The portfolio segment represents the level at which a systematic methodology is applied to estimate credit losses. Management believes the products within each of the entity&#8217;s portfolio segments exhibit similar risk characteristics. The Company leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans that do not share risk characteristics are evaluated on an individual basis. These include loans that are in nonaccrual status with balances above management determined materiality thresholds depending on loan class and also loans that are designated as TDR or &#8220;reasonably expected TDR&#8221; (criticized, classified, or maturing loans that will have a modification processed within the next three months).  If a loan is determined to be collateral dependent, or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company maintains an allowance for credit losses on off-balance sheet credit exposures. At December&#160;31, 2023 and December&#160;31, 2022, the allowance for credit losses on off-balance sheet exposures was $52&#160;million and $23&#160;million, respectively. The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit losses expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated life. The Company examined historical CCF trends to estimate utilization rates, and chose an appropriate mean CCF based on both management judgment and quantitative analysis. Quantitative analysis involved examination of CCFs over a range of fund-up windows (between 12 and 36 months) and comparison of the mean CCF for each fund-up window with management judgment determining whether the highest mean CCF across fund-up windows made business sense. The Company applies the same standards and estimated loss rates to the credit exposures as to the related class of loans.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When applying this critical accounting estimate, we incorporate several inputs and judgments that may be influenced by changes period to period. These include, but are not limited to changes in the economic environment and forecasts, changes in the credit profile and characteristics of the loan portfolio, and changes in prepayment assumptions which will result in provisions to or recoveries from the balance of the allowance for credit losses.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While changes to the economic environment forecasts and portfolio characteristics will change from period to period, portfolio prepayments are an integral assumption in estimating the allowance for credit losses on our commercial real estate (multi-family, CRE and ADC) portfolio which comprises 60 percent of the loan portfolio at December&#160;31, 2023. Portfolio prepayments are subject to estimation uncertainty and changes in this assumption could have a material impact to our estimation process. Prepayment assumptions are sensitive to interest rates and existing loan terms and determine the weighted average life of the commercial mortgage loan portfolio. Excluding other factors, as the weighted average life of the portfolio increases or decreases, so will the required amount of the allowance for credit losses on commercial real estate.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Goodwill</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates goodwill for impairment at least annually or when triggering events are identified. We utilize a market approach to determine the fair value of our single reporting unit, which considers how a market participant would view a control premium, complemented by an income approach if deemed necessary. The resulting value is then compared to our book value and any shortfalls would be recorded as an impairment.</span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price, control premium for completed bank acquisitions, and an adjustment for Company-specific risk considerations based on subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of any shortfall which was calculated to be in excess of the goodwill balance. The Company&#8217;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023, as confirmed by the Company&#8217;s current market capitalization.  As a result, the Company recorded an impairment charge of the entire goodwill balance of $2.4 billion. Additional information on the methodologies and assumptions used in the goodwill impairment analysis can be found in Note 16 - Intangible Assets.</span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Mortgage Servicing Rights</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company purchases and originates mortgage loans for sale to the secondary market and sell the loans on either a servicing-retained or servicing-released basis. If the Company retains the right to service the loan, an MSR is created at the time of sale which is recorded at fair value. The Company uses an internal valuation model that utilizes an option-adjusted spread, constant prepayment speeds, costs to service and other assumptions to determine the fair value of MSRs.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management obtains third-party valuations of the MSR portfolio on a quarterly basis from independent valuation services to assess the reasonableness of the fair value calculated by our internal valuation model. Changes in the fair value of our MSRs are reported on the Consolidated Statements of Income and Comprehensive Income in net return on mortgage servicing. For further information, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 9 - Mortgage Servicing Rights</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 18 - Fair Value Measures</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Premises and Equipment, Net</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Premises, furniture, fixtures, and equipment are carried at cost, less the accumulated depreciation computed on a straight-line basis over the estimated useful lives of the respective assets (generally 20 years for premises and <span style="-sec-ix-hidden:f-618">three</span> to ten years for furniture, fixtures, and equipment). Leasehold improvements are carried at cost less the accumulated amortization computed on a straight-line basis over the shorter of the related lease term or the estimated useful life of the improvement. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Depreciation is included in &#8220;Occupancy and equipment expense&#8221; in the Consolidated Statements of Income and Comprehensive Income, and amounted to $39&#160;million, $18&#160;million, and $21&#160;million, respectively, in the years ended December&#160;31, 2023, 2022, and 2021. Accumulated depreciation as of December&#160;31, 2023 and December&#160;31, 2022 was $526&#160;million and $434&#160;million. The estimated useful lives for the principal classes of assets are as follows:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:center;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.918%"><tr><td style="width:1.0%"></td><td style="width:74.334%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.792%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.474%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premises and Equipment</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Useful Lives</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Buildings</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Furniture, fixtures and equipment, and building improvements</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.5</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leasehold improvements</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ATMs</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7</span></td></tr></table><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:center;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Bank-Owned Life Insurance</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has purchased life insurance policies on certain employees. These BOLI policies are recorded in the Consolidated Statements of Condition at their cash surrender value. Income from these policies and changes in the cash surrender value are recorded in &#8220;Non-interest income&#8221; in the Consolidated Statements of Income and Comprehensive Income. At December&#160;31, 2023 and 2022, the Company&#8217;s investment in BOLI was $1.6 billion. The Company&#8217;s investment in BOLI generated income of $43 million, $32 million, and $29 million, respectively, during the years ended December&#160;31, 2023, 2022, and 2021. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Variable Interest Entities</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">An entity that has a controlling financial interest in a VIE is referred to as the primary beneficiary and consolidates the VIE. An entity is deemed to have a controlling financial interest and is the primary beneficiary of a VIE if it has both the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. For further information, see Note 10 - Variable Interest Entities</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Repossessed Assets and OREO</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Repossessed assets consist of any property or other assets acquired through, or in lieu of, foreclosure are sold or rented, and are recorded at fair value, less the estimated selling costs, at the date of acquisition. Following foreclosure, management periodically performs a valuation of the asset, and the assets are carried at the lower of the carrying amount or fair value, less the estimated selling costs. Expenses and revenues from operations and changes in valuation, if any, are included in &#8220;General and administrative expense&#8221; in the Consolidated Statements of Income and Comprehensive Income. At December&#160;31, 2023, the Company had $5&#160;million of OREO, $4&#160;million of taxi medallions and $5&#160;million of repossessed specialty equipment. At December&#160;31, 2022, the Company had $8 million of OREO and $4&#160;million of taxi medallions. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Servicing Fee Income</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Servicing fee income, late fees and ancillary fees received on loans for which the Company owns the MSR are included in net return on mortgage servicing rights on the Consolidated Statements of Income and Comprehensive Income. The fees are based on the outstanding principal and are recorded as income when earned. Subservicing fees, which are included in loan administration income on the Consolidated Statements of Income and Comprehensive Income, are based on a contractual monthly amount per loan including late fees and other ancillary income.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Income Taxes</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense consists of income taxes that are currently payable and deferred income taxes. Deferred income tax expense is determined by recognizing deferred tax assets and liabilities for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates that are expected to apply to taxable income in years in which those temporary differences are expected to be recovered or settled. The Company assesses the deferred tax assets and establishes a valuation allowance when realization of a deferred asset is not considered to be &#8220;more likely than not.&#8221; The Company considers its expectation of future taxable income in evaluating the need for a valuation allowance. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company estimates income taxes payable based on the amount it expects to owe the various tax authorities (i.e., federal, state, and local). Income taxes represent the net estimated amount due to, or to be received from, such tax authorities. In estimating income taxes, management assesses the relative merits and risks of the appropriate tax treatment of transactions, taking into account statutory, judicial, and regulatory guidance in the context of the Company&#8217;s tax position. In this process, management also relies on tax opinions, recent audits, and historical experience. Although the Company uses the best available information to record income taxes, underlying estimates and assumptions can change over time as a result of unanticipated events or circumstances such as changes in tax laws and judicial guidance influencing its overall tax position. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Derivative Instruments and Hedging Activities</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes derivative instruments to manage the fair value changes in our MSRs, interest rate lock commitments and LHFS portfolio which are exposed to price and interest rate risk; facilitate asset/liability management; minimize the variability of future cash flows on long-term debt; and to meet the needs of our customers. All derivatives are recognized on the Consolidated Statements of Condition as other assets and liabilities, as applicable, at their estimated fair value.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses interest rate swaps, swaptions, futures and forward loan sale commitments to mitigate the impact of fluctuations in interest rates and interest rate volatility on the fair value of the MSRs. Changes in their fair value are reflected in current period earnings under the net return on mortgage servicing asset. These derivatives are valued based on quoted prices for similar assets in an active market with inputs that are observable.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company also enters into various derivative agreements with customers and correspondents in the form of interest rate lock commitments and forward purchase contracts which are commitments to originate or purchase mortgage loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The derivatives are valued using internal models that utilize market interest rates and other unobservable inputs. Changes in the fair value of these commitments due to fluctuations in interest rates are economically hedged through the use of forward loan sale commitments of MBS. The gains and losses arising from this derivative activity are reflected in current period earnings under the net gain on loan sales. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To assist customers in meeting their needs to manage interest rate risk, the Company enters into interest rate swap derivative contracts. To economically hedge this risk, the Company enters into offsetting derivative contracts to effectively eliminate the interest rate risk associated with these contracts. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For additional information regarding the accounting for derivatives, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 15 - Derivative and Hedging Activities</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and for additional information on recurring fair value disclosures, see </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Note 18 - Fair Value Measures</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Representation and Warranty Reserve</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When the Company sells mortgage loans into the secondary mortgage market, it makes customary representations and warranties to the purchasers about various characteristics of each loan. Upon the sale of a loan, the Company recognizes a liability for that guarantee at its fair value as a reduction of our net gain on loan sales. Subsequent to the sale, the liability is re-measured at fair value on an ongoing basis based upon an estimate of probable future losses. An estimate of the fair value of the guarantee associated with the mortgage loans is recorded in other liabilities in the Consolidated Statements of Condition, and was $12&#160;million and $10&#160;million at </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2022, respectively</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Stock-Based Compensation</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the New York Community Bancorp, Inc. 2020 Omnibus Incentive Plan (the &#8220;2020 Incentive Plan&#8221;), which was approved by the Company&#8217;s shareholders at its Annual Meeting on June 3, 2020, shares are available for grant as restricted stock or other forms of related rights. At December&#160;31, 2023, the Company had </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">16,143,893</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> shares available for grant under the 2020 Incentive Plan. Compensation cost related to restricted stock grants is recognized on a straight-line basis over the vesting period. For a more detailed discussion of the Company&#8217;s stock-based compensation, see Note 14 - Stock-Related Benefits Plans.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Retirement Plans</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s pension benefit obligations and post-retirement health and welfare benefit obligations, and the related costs, are calculated using actuarial concepts in accordance with GAAP. The measurement of such obligations and expenses requires that certain assumptions be made regarding several factors, most notably including the discount rate and the expected rate of return on plan assets. The Company evaluates these assumptions on an annual basis. Other factors considered by the Company in its evaluation include retirement patterns and mortality rates. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under GAAP, actuarial gains and losses, prior service costs or credits, and any remaining transition assets or obligations that have not been recognized under previous accounting standards must be recognized in AOCL until they are amortized as a component of net periodic benefit cost. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Earnings per Common Share (Basic and Diluted) </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Basic EPS is computed by dividing the net income available to common shareholders by the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the same method as basic EPS, however, the computation reflects the potential dilution that would occur if outstanding in-the-money stock options were exercised and converted into common stock. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unvested stock-based compensation awards containing non-forfeitable rights to dividends paid on the Company&#8217;s common stock are considered participating securities, and therefore are included in the two-class method for calculating EPS. Under the two-class method, all earnings (distributed and undistributed) are allocated to common shares and participating securities based on their respective rights to receive dividends on the common stock. The Company grants restricted stock to certain employees under its stock-based compensation plan. Recipients receive cash dividends during the vesting periods of </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">these awards, including on the unvested portion of such awards. Since these dividends are non-forfeitable, the unvested awards are considered participating securities and therefore have earnings allocated to them. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the Company&#8217;s computation of basic and diluted earnings per common share: </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:68.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.695%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.695%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.698%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except share and per share amounts)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income available to common stockholders</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(112)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">617&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">563&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: Dividends paid on and earnings allocated to participating securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) earnings applicable to common stock</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">556&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">713,643,550</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483,603,395</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">463,865,661</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) basic earnings per common share</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.16)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) earnings applicable to common stock</span></div></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">556&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">713,643,550</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483,603,395</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">463,865,661</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Potential dilutive common shares</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,530,950</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">767,058</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total shares for diluted (loss) earnings per common share computation</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">713,643,550&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">485,134,345&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">464,632,719&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted (loss) earnings per common share and common share equivalents</span></div></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.16)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.26&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.20&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SignificantAccountingPoliciesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for all significant accounting policies of the reporting entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483426/235-10-50-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 235<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//235/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SignificantAccountingPoliciesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>37
<FILENAME>R12.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734623368992">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract', window );"><strong>Business Combination and Asset Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationDisclosureTextBlock', window );">Business Combinations</a></td>
<td class="text">Business Combinations<div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Signature Bridge Bank</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 20, 2023, the Company&#8217;s wholly owned bank subsidiary, Flagstar Bank N.A. (the &#8220;Bank&#8221;), entered into a Purchase and Assumption Agreement (the &#8220;Agreement&#8221;) with the Federal Deposit Insurance Corporation (&#8220;FDIC&#8221;), as receiver (the "FDIC Receiver") of Signature Bridge Bank, N.A. (&#8220;Signature&#8221;) to acquire certain assets and assume certain liabilities of Signature (the &#8220;Signature Transaction&#8221;). Headquartered in New York, New York, Signature Bank was a full-service commercial bank that operated 29 branches in New York, seven branches in California, two branches in North Carolina, one branch in Connecticut, and one branch in Nevada. In connection with the Signature Transaction the Bank assumed all of Signature&#8217;s branches. The Bank acquired only certain parts of Signature it believes to be financially and strategically complementary that are intended to enhance the Company&#8217;s future growth.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Agreement, the Company was not required to make a cash payment to the FDIC on March 20, 2023 as consideration for the acquired assets and assumed liabilities. As the Company and the FDIC remain engaged in ongoing discussions which may impact the assets and liabilities acquired or assumed by the Company in the Signature Transaction. Any items identified that affect the bargain gain are recorded in the period they are identified. The Company may be required to make a payment to the FDIC or the FDIC may be required to make a payment to the Company on the Settlement Date, which will be one year after March 20, 2023, or as agreed upon by the FDIC and the Company. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition, as part of the consideration for the Signature Transaction, the Company granted the FDIC equity appreciation rights in the common stock of the Company under an equity appreciation instrument (the "Equity Appreciation Instrument"). On March 31, 2023, the Company issued 39,032,006 shares of Company common stock to the FDIC pursuant to the Equity Appreciation Instrument. On May 19, 2023, the FDIC completed the secondary offering of those shares. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has determined that the Signature Transaction constitutes a business combination as defined by ASC 805, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Business Combinations</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> ("ASC 805"). ASC 805 establishes principles and requirements as to how the acquirer of a business recognizes and measures in its financial statements the identifiable assets acquired, the liabilities assumed and any non-controlling interest in the acquiree.  Accordingly, the assets acquired and liabilities assumed have been recorded based on their preliminary estimated fair values as of March 20, 2023, which have been adjusted through December&#160;31, 2023 based on changes to those preliminary estimates.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the Agreement, the Company is expected to provide certain services to the FDIC to assist the FDIC in its administration of certain assets and liabilities which were not assumed by the Company and which remain under the control of the FDIC (the &#8220;Interim Servicing&#8221;). The Interim Servicing includes activities related to the servicing of loan portfolios not acquired on behalf of the FDIC for a period of up to one year from the date of the Signature Transaction unless such loans are sold or transferred at an earlier time by the FDIC or until cancelled by the FDIC upon 60-days&#8217; notice. The Interim Servicing </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">may include other ancillary services requested by the FDIC to assist in their administration of the remaining assets and liabilities of Signature Bank. The FDIC will reimburse the Company for costs associated with the Interim Servicing based upon an agreed upon fee which approximates the cost to provide such services. As the FDIC intends to reimburse the Company for the costs to service the loans, neither a servicing asset nor servicing liability was recognized as part of the Signature Transaction. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company did not enter into a loss sharing arrangement with the FDIC in connection with the Signature Transaction.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As the Company finalizes its analysis of the assets acquired and liabilities assumed, there may be adjustments to the recorded carrying values. In many cases, the determination of the fair value of the assets acquired and liabilities assumed required management to make estimates about discount rates, future expected cash flows, market conditions and other future events that are highly subjective in nature and subject to change. While the Company believes that the information available on December&#160;31, 2023, provided a reasonable basis for estimating fair value, the Company may obtain additional information and evidence during the measurement period that may result in changes to the estimated fair value amounts. Fair values subject to change include, but are not limited to, those related to loans and leases, certain deposits, intangibles, deferred tax assets and liabilities and certain other assets and other liabilities. </span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A summary of the preliminary net assets acquired and related estimated fair value adjustments resulting in the bargain purchase gain is as follows:</span></div><div style="text-indent:27pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.645%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">March 20, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(preliminary)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net assets acquired before fair value adjustments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,973&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Fair value adjustments:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(727)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Core deposit and other intangibles</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">464&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Certificates of deposit </span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Other net assets and liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;FDIC Equity Appreciation Instrument</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(85)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred tax liability</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(690)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain on Signature Transaction, as initially reported</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,001&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Measurement period adjustments, excluding taxes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in deferred tax liability</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain on Signature Transaction, as adjusted</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,131&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the Signature Transaction, the Company recorded a bargain purchase gain, as adjusted, of approximately $2.1&#160;billion during the year ended December 31, 2023, which is included in non-interest income in the Company&#8217;s Consolidated Statement of Income and Comprehensive Income.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The bargain purchase gain represents the excess of the estimated fair value of the assets acquired (including cash payments received from the FDIC) over the estimated fair value of the liabilities assumed and is influenced significantly by the FDIC-assisted transaction process. Under the FDIC-assisted transaction process, only certain assets and liabilities are transferred to the acquirer and, depending on the nature and amount of the acquirers bid, the FDIC may be required to make a cash payment to the Company and the Company may be required to make a cash payment to the FDIC.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The assets acquired and liabilities assumed and consideration paid in the Signature Transaction were initially recorded at their estimated fair values based on management&#8217;s best estimates using information available at the date of the Signature Transaction, and are subject to adjustment for up to one year after the closing date of the Signature Transaction. The Company and the FDIC are engaged in ongoing discussions and settlement payments have been made that have impacted certain assets acquired or certain liabilities assumed by the Company on March 20, 2023 and are included as measurement period adjustments in the table below. </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:54.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.253%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Preliminary as Initially Reported</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Measurement Period Adjustments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Preliminary as Adjusted</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchase Price consideration</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of assets acquired:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash &amp; cash equivalents</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,043&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(142)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,901&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for investment:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,102&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,888&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,942&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(262)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,680&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consumer and other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans held for investment</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,218&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(477)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,741&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CDI and other intangible assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">464&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">464&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">679&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(169)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">510&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets acquired</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,636&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(788)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,848&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of liabilities assumed:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,568&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(61)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,507&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,982&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(857)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,125&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities assumed</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,550&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(918)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,632&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of net identifiable assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,086&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,001&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,131&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">During the year ended December 31, 2023, the Company recorded preliminary measurement period adjustments to adjust the estimated fair value of loans and leases acquired and adjust other assets and accrued expenses and other liabilities for balances ultimately retained by the FDIC. Additionally, $449&#160;million of loans were returned to the FDIC in accordance with the purchase and sale agreement. The Company also recognized a net change in the deferred tax liability due to the measurement period adjustments and the secondary offering of shares completed by the FDIC.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company incurred $223&#160;million in acquisition costs related to the Signature Transaction primarily for legal, advisory, and other professional services.  These costs are recorded within Merger-related and restructuring expenses on the Consolidated Statements of Income and Comprehensive Income.  </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Fair Value of Assets Acquired and Liabilities Assumed</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, reflecting assumptions that a market participant would use when pricing an asset or liability. In some cases, the estimation of fair values requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and are subject to change. Described below are the methods used to determine the fair values of the significant assets acquired and liabilities assumed in the Signature Transaction.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of cash and cash equivalents approximates their stated face amounts, as these financial instruments are either due on demand or have short-term maturities.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans and leases</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value for loans was based on a discounted cash flow methodology that considered credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions were the key factors driving credit losses which were embedded into the estimated cash flows. These assumptions were informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate was determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">discount rates do not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. Acquired loans were marked to fair value and adjusted for any PCD gross up as of the date of the Signature Transaction.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Deposit Liabilities</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of deposit liabilities with no stated maturity (i.e., non-interest-bearing and interest-bearing checking accounts) is equal to the carrying amounts payable on demand. The fair value of certificates of deposit represents contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Core Deposit Intangible</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Core deposit intangible (&#8220;CDI&#8221;) is a measure of the value of non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts that are acquired in a business combination. The fair value of the CDI was determined using a discounted cashflow methodology which considered discount rate, customer attrition rates, and other relevant market assumptions. This method estimated the fair value by discounting the present value of the expected cost savings attributable to the core deposit funding, relative to an alternative source of funding. The CDI relating to the Signature Transaction will be amortized over an estimated useful life of 10 years using the sum of years digits depreciation method. The Company evaluates such identifiable intangibles for impairment when an indication of impairment exists. CDI does not significantly impact our liquidity or capital ratios.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">PCD loans</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Purchased loans that reflect a more than insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the allowance for credit losses (&#8220;ACL&#8221;) on the date of acquisition using the same methodology as other loans and leases held-for-investment. The following table provides a summary of loans and leases purchased as part of the Signature Transaction with credit deterioration and the associated credit loss reserve at acquisition: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:83.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.017%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Par value (UPB)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">583&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ACL at acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-credit (discount)</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">494&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%">Unaudited Pro Forma Information &#8211; Signature Transaction</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s operating results for the year ended December&#160;31, 2023 include the operating results of the acquired assets and assumed liabilities of Signature subsequent to the acquisition on March 20, 2023. Due to the use of multiple systems and integration of the operating activities into those of the Company, historical reporting for the former Signature operations is impracticable and thus disclosures of the revenue from the assets acquired and income before income taxes is impracticable for the period subsequent to acquisition.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Signature was only in operation from March 12, 2023 to March 20, 2023 and does not have historical financial information on which we could base pro forma information. Additionally, we did not acquire all assets or assume all liabilities of Signature and the historical operations are not consistent with the transaction. Therefore, it is impracticable to provide pro forma information on revenues and earnings for the Signature Transaction in accordance with ASC 805-10-50-2.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline">Flagstar Bancorp, Inc.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On December 1, 2022, the Company closed the acquisition of Flagstar Bancorp, Inc. (&#8220;Flagstar&#8221;) in an all-stock transaction (&#8220;Flagstar Transaction&#8221;). Flagstar was a savings and loan holding company headquartered in Troy, MI.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Pursuant to the terms of the Merger Agreement, each share of Flagstar common stock was converted into 4.0151 shares of the Company&#8217;s common shares at the effective time of the merger. In addition, the Company received approval from the Office of the Comptroller of the Currency (the &#8220;OCC") to convert Flagstar Bank, FSB to a national bank to be known as Flagstar Bank, N.A., and to merge New York Community Bank into Flagstar Bank, N.A. with Flagstar Bank, N.A. being the surviving entity. Flagstar Bank, FSB, provided commercial, small business, and consumer banking services through 158 branches in Michigan, Indiana, California, Wisconsin, and Ohio. It also provided home loans through a wholesale network of brokers and correspondents in all 50 states. The acquisition of Flagstar added significant scale, geographic diversification, improved funding profile, and a broader product mix to the Company.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The acquisition of Flagstar has been accounted for as a business combination. The Company recorded the preliminary estimate of fair value of the assets acquired and liabilities assumed December 1, 2022, which was subject to adjustment for up to one year after December 1, 2022. As of December&#160;31, 2023, the Company finalized its review of the assets acquired and liabilities assumed, and did not record any material adjustments.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides an allocation of consideration paid for the fair value of assets acquired and liabilities and equity assumed from Flagstar as of December 1, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.645%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 1, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchase Price consideration</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,010&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of assets acquired:</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash &amp; cash equivalents</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">331&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,695&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,257&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for investment:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,438&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,891&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,523&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consumer and other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,156&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans held for investment</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,008&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CDI and other intangible assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">292&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,012&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,158&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets acquired</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,753&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of liabilities assumed:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,995&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowings</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,700&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities assumed</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,584&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of net identifiable assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,169&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In connection with the acquisition, the Company recorded a bargain purchase gain of approximately $159 million.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company incurred $99&#160;million in acquisition costs related to the Flagstar Transaction primarily for legal, advisory, and other professional services. These costs are recorded within Merger-related and restructuring expenses on the Consolidated Statements of Income and Comprehensive Income.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Fair Value of Assets Acquired and Liabilities Assumed</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, reflecting assumptions that a market participant would use when pricing an asset or liability. In some cases, the estimation of fair values requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and are subject to change. Described below are the methods used to determine the fair values of the significant assets acquired and liabilities assumed in the Flagstar acquisition.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of cash and cash equivalents approximates their stated face amounts, as these financial instruments are either due on demand or have short-term maturities.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Investment Securities and Federal Home Loan Bank Stock</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Quoted market prices for the securities acquired were used to determine their fair values. If quoted market prices were not available for a specific security, then quoted prices for similar securities in active markets were used to estimate the fair value. The fair value of FHLB-Indianapolis stock is equivalent to the redemption amount.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair values for loans were based on a discounted cash flow methodology that considered credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions were the key factors driving credit losses which were embedded into the estimated cash flows. These assumptions were informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate was determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The discount rates do not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. Acquired loans were marked to fair value and adjusted for any PCD gross up as of the merger date.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Core Deposit Intangible</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">CDI is a measure of the value of non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts that are acquired in a business combination. The fair value of the CDI stemming from any given business combination is based on the present value of the expected cost savings attributable to the core deposit funding, relative to an alternative source of funding. The CDI relating to the Flagstar acquisition will be amortized over an estimated useful life of 10 years using the sum of years digits depreciation method. The Company evaluates such identifiable intangibles for impairment when an indication of impairment exists.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Deposit Liabilities</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of deposit liabilities with no stated maturity (i.e., non-interest-bearing and interest-bearing checking accounts) is equal to the carrying amounts payable on demand. The fair value of certificates of deposit represents contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrowed Funds</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of borrowed funds is based on bid quotations received from securities dealers or the discounted value of contractual cash flows with interest rates currently in effect for borrowed funds with similar maturities.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">PCD loans</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Purchased loans that reflect a more than insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the ACL on the date of acquisition using the same methodology as other loans and leases held-for-investment. The following table provides a summary of loans and leases purchased as part of the Flagstar acquisition with credit deterioration and the associated credit loss reserve at acquisition:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:83.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.017%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Par value (UPB)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,950&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ACL at acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-credit (discount)</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,866&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-indent:24.5pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Unaudited Pro Forma Information </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s results of operations for the year-ended December&#160;31, 2022 and 2023 include the results of operations of Flagstar on and after December 1, 2022. Results for periods prior to December 1, 2022, do not include the results of operations of Flagstar.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following pro forma financial information presents the unaudited consolidated results of operations of the Company and Flagstar as if the Flagstar Transaction occurred as of January 1, 2021 with pro forma adjustments. The pro forma adjustments give effect to any change in interest income due to the accretion of the net discounts from the fair value adjustments of acquired loans, any change in interest expense due to the estimated net premium from the fair value adjustments to acquired time deposits and other debt, and the amortization of intangibles had the deposits been acquired as of January 1, 2021. The pro forma amounts for the years ended December&#160;31, 2022 and 2021 do not reflect the anticipated cost savings that have not yet been realized. Acquisition costs incurred by the Company during the years ended December&#160;31, 2022 and 2021 are reflected in the pro forma amounts. The pro forma information does not necessarily reflect the results of operations that would have occurred had the Flagstar Transaction occurred at the beginning of 2021.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:68.086%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.016%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.017%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(unaudited)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,278&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,208&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-interest income</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">650&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">804&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,207&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income available to common stockholders</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">771&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,174&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationAndAssetAcquisitionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-5<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 805<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//805/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>38
<FILENAME>R13.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734626238208">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated Other Comprehensive Income<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNoteTextBlock', window );">Accumulated Other Comprehensive Income</a></td>
<td class="text">Accumulated Other Comprehensive Income<div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the components in accumulated other comprehensive income:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:34.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.783%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:42.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Details about Accumulated Other Comprehensive Loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount Reclassified out of Accumulated Other Comprehensive Loss</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Affected Line Item in the Consolidated Statements of Income and Comprehensive Income</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains on available-for-sale securities:</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on securities</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on securities, net of tax</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains on cash flow hedges:</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on cash flow hedges, net of tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of defined benefit pension plan items:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Past service liability</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Included in the computation of net periodic credit</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Included in the computation of net periodic cost</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total before tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of defined benefit pension plan items, net of tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total reclassifications for the period</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Amounts in parentheses indicate expense items. </span></div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span>See Note 20 - Employee Benefits  for additional information.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNoteTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(21))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//220/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComprehensiveIncomeNoteTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>39
<FILENAME>R14.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617911696">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock', window );">Investment Securities</a></td>
<td class="text">Investment Securities<div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the Company&#8217;s portfolio of debt securities available for sale and equity investments with readily determinable fair values: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:56.502%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.285%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Gain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt securities available-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-Related Debt Securities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,366&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,221&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,495&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">381&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,162&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,035&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">528&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,563&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,899&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,609&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">365&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,907&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">331&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,582&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,942&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">859&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,145&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,958&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">861&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,159&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes accrued interest receivable of $38&#160;million included in <span style="-sec-ix-hidden:f-872">other assets</span> in the Consolidated Statements of Condition.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:57.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.695%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.572%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.695%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.261%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Gain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt securities available-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-Related Debt Securities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,457&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,297&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,600&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,301&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,242&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">460&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,789&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,491&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,749&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">351&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,398&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">375&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">913&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">885&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign Notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,675&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,271&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,917&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,933&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">873&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,074&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes accrued interest receivable of $31&#160;million included in other assets in the Consolidated Statements of Condition. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the Company </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">had $861&#160;million and $329&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> of FHLB-NY stock, at cost and FHLB-Indianapolis stock, at cost, respectively. At December&#160;31, 2022, the Company had $762&#160;million and $329&#160;million of FHLB-NY stock, at cost and FHLB-Indianapolis stock, at cost, respectively. The Company maintains an investment in FHLB-NY stock partly in conjunction with its membership in the FHLB and partly related to its access to the FHLB funding it utilizes.  In addition, at December&#160;31, 2023 and December&#160;31, 2022, the Company had $203&#160;million and $176&#160;million of Federal Reserve Bank stock, respectively.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the gross proceeds, gross realized gains, and gross realized losses from the sale of available-for-sale securities during the years-ended:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"><tr><td style="width:1.0%"></td><td style="width:62.955%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.264%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.414%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.959%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.414%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.194%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">( in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross proceeds</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,637&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross realized gains</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross realized losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were no unrealized losses on equity securities recognized in earnings for the years ended December 31, 2023. For the years ended December&#160;31, 2022 and 2021 there were unrealized losses on equity securities of $2&#160;million and zero recognized in earnings, respectively.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes, by contractual maturity, the amortized cost of securities at December&#160;31, 2023:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"></td><td style="width:31.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.809%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.385%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.516%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.385%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.784%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.385%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.930%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.385%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.471%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage- Related Securities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Government and GSE Obligations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State, County, and Municipal</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">( in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Available-for-Sale Debt Securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due within one year</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">448&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due from one to five years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">353&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">560&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due from five to ten years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,502&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,597&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after ten years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,541&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,542&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,035&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,096&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">803&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,145&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes corporate bonds, capital trust notes, foreign notes, and asset-backed securities. </span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of December&#160;31, 2023: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.426%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.426%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.157%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less than Twelve Months</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Twelve Months or Longer</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Temporarily Impaired Securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Government agency and GSE obligations</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,543&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">843&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,155&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,835&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,312&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,147&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">381&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total temporarily impaired securities</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,357&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,198&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">777&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,555&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">861&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of  December&#160;31, 2022: </span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.671%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.841%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.996%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less than Twelve Months</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Twelve Months or Longer</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Temporarily Impaired Securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Government agency and GSE obligations</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">243&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,156&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">346&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,399&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">351&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">420&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,291&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">925&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">264&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,144&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">698&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">795&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total temporarily impaired securities</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,658&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,911&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">751&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,569&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">873&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The investment securities designated as having a continuous loss position for twelve months or more at December&#160;31, 2023 consisted of eighty-four agency collateralized mortgage obligations, six capital trusts note, eight asset-backed securities,  twelve corporate bonds, thirty-seven US government agency bonds, three hundred two mortgage-backed securities, one mutual fund, one foreign debt, and one municipal bond . The investment securities designated as having a continuous loss position for twelve months or more at December&#160;31, 2022 consisted of twenty three agency collateralized mortgage obligations, five capital trusts notes, seven asset-backed securities, two corporate bonds, thirty three US government agency bonds, one hundred thirty three mortgage-backed securities, one mutual fund, and one municipal bond.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates available-for-sale debt securities in unrealized loss positions at least quarterly to determine if an allowance for credit losses is required. We also assess whether (i) we intend to sell, or (ii) it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either of these criteria is met, any previously recognized allowances are charged off and the security&#8217;s amortized cost basis is written down to fair value through income. If neither of the aforementioned criteria are met, we evaluate whether the decline in fair value has resulted from credit losses or other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the first quarter of 2023, the Company held a $20&#160;million corporate bond in Signature Bank which was placed into receivership on March 12, 2023. We have taken a $20&#160;million provision for credit loss and charged-off this security during the three months ended March 31, 2023. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">None of the remaining unrealized losses identified as of December&#160;31, 2023 or December&#160;31, 2022 relates to the marketability of the securities or the issuers&#8217; ability to honor redemption obligations. Rather, the unrealized losses relate to changes in interest rates relative to when the investment securities were purchased, and do not indicate credit-related impairment. Management based this conclusion on an analysis of each issuer including a detailed credit assessment of each issuer. The Company does not intend to sell, and it is not more likely than not that the Company will be required to sell the positions before the recovery of their amortized cost basis, which may be at maturity. As such, no allowance for credit losses remains with respect to debt securities as of December&#160;31, 2023.</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for investments in certain debt and equity securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//320/tableOfContent<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-10<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-6B<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-6B<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1403<br> -Paragraph (b)<br> -Publisher SEC<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//946-320/tableOfContent<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 940<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//940-320/tableOfContent<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//942-320/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>40
<FILENAME>R15.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734622353968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Leases<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesTextBlock', window );">Loans and Leases</a></td>
<td class="text">Loans and Leases<div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company classifies loans that we have the intent and ability to hold for the foreseeable future or until maturity as LHFI. We report LHFI loans at their amortized cost, which includes the outstanding principal balance adjusted for any unamortized premiums, discounts, deferred fees and unamortized fair value adjustments for acquired loans:</span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:5.4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:45.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.242%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.102%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.102%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.105%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of<br/>Loans<br/>Held for<br/>Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of<br/>Loans<br/>Held for<br/>Investment</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and Leases Held for Investment:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,265&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44.0&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,130&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55.3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,470</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,526</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,061</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,821</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,912</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage loans held for investment </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,708&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67.0&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,473&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78.9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,065</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26.1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,597</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Lease financing, net of unearned income of $258 and $85, respectively</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,189</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,679</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total commercial and industrial loans </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,254</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,276</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.8&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,657</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,252</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans held for investment</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,911</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33.0&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,528</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.1&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases held for investment </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,619&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,001&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses on loans and leases</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(992)</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(393)</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases held for investment, net</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,627</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,608</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,182&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases, net</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,809&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,723&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes accrued interest receivable of $423&#160;million and $292&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively, which is included in <span style="-sec-ix-hidden:f-1197"><span style="-sec-ix-hidden:f-1198">other assets</span></span> in the Consolidated Statements of Condition. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes specialty finance loans and leases of $5.2&#160;billion and $4.4&#160;billion at December&#160;31, 2023 and December&#160;31, 2022, respectively.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans with Government Guarantees</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Substantially all LGG are insured or guaranteed by the FHA or the U.S. Department of Veterans Affairs. Nonperforming repurchased loans in this portfolio earn interest at a rate based upon the 10-year U.S. Treasury note rate from the time the underlying loan becomes 60 days delinquent until the loan is conveyed to HUD (if foreclosure timelines are met), which is not paid by the FHA until claimed. The Bank has a unilateral option to repurchase loans sold to GNMA if the loan is due, but unpaid, for three consecutive months (typically referred to as 90 days past due) and can recover losses through a claims process from the guarantor. These loans are recorded in loans held for investment and the liability to repurchase the loans is recorded in other liabilities on the Consolidated Statements of Condition. Certain loans within our portfolio may be subject to indemnifications and insurance limits which expose us to limited credit risk. As of December&#160;31, 2023, LGG loans totaled $541&#160;million and the repurchase liability was $456&#160;million. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Repossessed assets and the associated net claims related to government guaranteed loans are recorded in other assets and was </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$14&#160;million </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">at December&#160;31, 2023.</span></div><div><span><br/></span></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans Held-for-Sale</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans held-for-sale at December&#160;31, 2023 totaled $1.2 billion, up from $1.1&#160;billion at December&#160;31, 2022.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"> The </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Signature Transaction contributed $360&#160;million in Small Business Administration ("SBA") loans to this increase. We classify loans as held for sale when we originate or purchase loans that we intend to sell. We have elected the fair value option for nearly all of this portfolio, except the SBA loans. We estimate the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral.</span></div><div style="margin-top:12pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Asset Quality</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">All asset quality information excludes LGG that are insured by U.S government agencies.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan generally is classified as a non-accrual loan when it is 90 days or more past due or when it is deemed to be impaired because the Company no longer expects to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, management ceases the accrual of interest owed, and previously accrued interest is charged against interest income. A loan is generally returned to accrual status when the loan is current and management has reasonable assurance that the loan will be fully collectible. Interest income on non-accrual loans is recorded when received in cash. At December&#160;31, 2023 and December&#160;31, 2022 we had no loans that were nonperforming and still accruing.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information regarding the quality of the Company&#8217;s loans held for investment at December&#160;31, 2023: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:36.765%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.595%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.180%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.765%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.818%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.941%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans 30-89 Days Past Due</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non- Accrual Loans</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Past Due Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current Loans </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Loans Receivable</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,006&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,265&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,314&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,470&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,926&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,061&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,908&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,912&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,174&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,254&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,613&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,657&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">428&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">678&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,941&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,619&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes lease financing receivables.</span></div><div style="padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes $207&#160;million multi-family loans from one borrower that had a payment in the process of collection as of December&#160;31, 2023 and subsequently settled on January 2, 2024</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information regarding the quality of the Company&#8217;s loans held for investment at December&#160;31, 2022: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:35.449%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.180%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.765%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.941%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans 30-89 Days Past Due</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non- Accrual Loans</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Past Due Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Loans Receivable</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,083&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,130&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,504&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,526&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,708&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,821&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,271&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,276&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,252&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,790&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,001&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes lease financing receivables, all of which were current. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2023: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:15.112%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi- Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial Real Estate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to- Four Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, Development, and Construction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Other Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit Quality Indicator:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,170&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,734&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,328&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,825&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,057&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,683&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,634&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,317&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special mention</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">768&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,192&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,327&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,369&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">733&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,459&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">236&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Doubtful</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,265&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,470&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,061&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,912&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,708&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,254&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,657&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,911&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2022: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:15.112%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi- Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial Real Estate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to- Four Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, Development, and Construction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Other Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit Quality Indicator:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,622&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,871&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,710&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,992&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,195&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,208&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,446&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special mention</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">864&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">230&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,106&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">644&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">425&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,172&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,130&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,526&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,821&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,473&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,276&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,252&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,528&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preceding classifications are the most current ones available and generally have been updated within the last twelve months. In addition, they follow regulatory guidelines and can generally be described as follows: pass loans are of satisfactory quality; special mention loans have potential weaknesses that deserve management&#8217;s close attention; substandard loans are inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged (these loans have a well-defined weakness and there is a possibility that the Company will sustain some loss); and doubtful loans, based on existing circumstances, have weaknesses that make collection or liquidation in full highly questionable and improbable. In addition, one-to-four family loans are classified based on the duration of the delinquency.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents, by credit quality indicator, loan class, and year of origination, the amortized cost basis of the Company&#8217;s loans and leases as of December&#160;31, 2023: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:21.261%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.094%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.094%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.094%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.816%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.927%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.927%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.271%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="51" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Vintage Year</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior To 2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Revolving Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Revolving Loans Converted to Term Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,532&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,295&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,308&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,438&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,725&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,670&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,981&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,057&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special Mention</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">217&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">407&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,192&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">258&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">336&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">809&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,910&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,459&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Doubtful</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,577&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,610&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,635&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,181&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,678&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,921&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,995&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,708&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current-period gross write-offs</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(112)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(178)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,709&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,598&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,936&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,141&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">911&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">941&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,757&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">324&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,317&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special Mention</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Doubtful</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,720&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,819&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,998&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,178&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">957&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">999&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,905&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,911&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current-period gross write-offs</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,297&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,429&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,633&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,359&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,635&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,920&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,900&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,619&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When management determines that foreclosure is probable, for loans that are individually evaluated the expected credit losses are based on the fair value of the collateral adjusted for selling costs. When the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, the collateral-dependent practical expedient has been elected and expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. For CRE loans, collateral properties include office buildings, warehouse/distribution buildings, shopping centers, apartment buildings, residential and commercial tract development. The primary source of repayment on these loans is expected to come from the sale, permanent financing or lease of the real property collateral. CRE loans are impacted by fluctuations in collateral values, as well as the ability of the borrower to obtain permanent financing.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the extent to which collateral secures the Company&#8217;s collateral-dependent loans held for investment by collateral type as of December&#160;31, 2023:  </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:76.400%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.873%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Collateral Type</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Real Property</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total collateral-dependent loans held for investment</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">614&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Other collateral type consists of taxi medallions, cash, accounts receivable and inventory.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were no significant changes in the extent to which collateral secures the Company&#8217;s collateral-dependent financial assets during the year ended December 31, 2023.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the Company had $81&#160;million and $121&#160;million of residential mortgage loans in the process of foreclosure, respectively.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:27pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Included in loans held for investment at December&#160;31, 2023 and December&#160;31, 2022, were loans of $9&#160;million and $101&#160;million, respectively, to officers, directors, and their related interests and parties. There were no loans to principal shareholders at that date. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Modifications to Borrowers Experiencing Financial Difficulty </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Effective January 1, 2023, the Company adopted ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. For additional information on the adoption, refer to Note 1 - Description of Business, Organization and Basis of Presentation.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When borrowers are experiencing financial difficulty, the Company may make certain loan modifications as part of loss mitigation strategies to maximize expected payment. Modifications in the form of principal forgiveness, an interest rate reduction, or an other-than-insignificant payment delay or a term extension that have occurred in the current reporting period to a borrower experiencing financial difficulty are disclosed along with the financial impact of the modifications.</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.538%"><tr><td style="width:1.0%"></td><td style="width:31.095%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.137%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.104%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.072%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.621%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.999%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate Reduction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Term Extension</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Combination - Interest Rate Reduction &amp; Term Extension</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total Loan class</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.98&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.23&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.08&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Consumer</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.08&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty:</span></div><div style="text-align:center"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:45.829%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.443%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.443%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.717%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate Reduction</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Term Extension</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average contractual interest rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">From</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">To</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average Term (in years)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.45&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.02&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.83&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.56&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.08&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.79&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.44&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.08&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.58</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Consumer</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.09&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.82&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, there were $4&#160;million one-to-four family first mortgages that were modified for borrowers experiencing financial difficulty that received term extension and subsequently defaulted during the period and $4&#160;million one-to-four family first mortgages that were combination modifications and subsequently defaulted during the period.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The performance of loans made to borrowers experiencing financial difficulty in which modifications were made is closely monitored to understand the effectiveness of modification efforts. Loans are considered to be in payment default at 90 or more days past due. The following table depicts the performance of loans that have been modified during the reporting period:</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:38.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.798%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.668%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.827%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.991%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 - 89 Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90+ Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Consumer</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Troubled Debt Restructurings Prior to Adoption of ASU 2022-02</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to the adoption of ASU 2022-02, the Company accounted for certain loan modifications and restructurings as TDRs. In general, a modification or restructuring of a loan constituted a TDR if the Company granted a concession to a borrower experiencing financial difficulty. A loan modified as a TDR was generally placed on non-accrual status until the Company determined that future collection of principal and interest is reasonably assured, which requires, among other things, that the borrower demonstrate performance according to the restructured terms for a period of at least six consecutive months. In determining the Company&#8217;s allowance for credit losses on loans and leases, reasonably expected TDRs were individually evaluated and consist of criticized, classified, or maturing loans that will have a modification processed within the next three months. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In an effort to proactively manage delinquent loans, the Company has selectively extended to certain borrowers concessions such as rate reductions, extension of maturity dates, and forbearance agreements. As of December&#160;31, 2022, loans on which concessions were made with respect to rate reductions and/or extension of maturity dates amounted to $44&#160;million. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information regarding the Company's TDRs as of  December&#160;31, 2022: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:67.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.902%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accruing</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non- Accrual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan Category:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:67.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.902%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-indent:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The financial effects of the Company&#8217;s TDRs for the twelve months ended  December&#160;31, 2022 are summarized as follows: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:26.970%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.525%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.864%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.572%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.671%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre- Modification Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Post- Modification Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre- Modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Post- Modification</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge- off Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capitalized Interest</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan Category:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.02&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 44<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-44<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//310-10/tableOfContent<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//310-20/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReceivablesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>41
<FILENAME>R16.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619690384">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses on Loans and Leases<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CreditLossAbstract', window );"><strong>Credit Loss [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesTextBlock', window );">Allowance for Credit Losses on Loans and Leases</a></td>
<td class="text">Allowance for Credit Losses on Loans and Leases<div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Allowance for Credit Losses on Loans and Leases</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes activity in the allowance for credit losses for the periods indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:40.983%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.205%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.205%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.350%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance, beginning of period</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustment for Purchased PCD Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(178)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(223)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for (recovery of) credit losses on loans and leases</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">644</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">794</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance, end of period</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">756&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">236&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, the allowance for credit losses on loans and leases totaled $992&#160;million, up $599&#160;million compared to December&#160;31, 2022. The increase in the allowance for credit losses on loans and leases was primarily driven by an increase in reserves to address weakness in the office sector, potential repricing risk in the multifamily portfolio and an increase in classified assets. Also contributing to the increase in the allowance for credit losses on loans and leases was the day 1 impact of the Signature Transaction that closed on March 20, 2023, which added $141&#160;million to the reserve.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023 and December&#160;31, 2022, the allowance for unfunded commitments totaled $52&#160;million and $23&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">  </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company charges off loans, or portions of loans, in the period that such loans, or portions thereof, are deemed uncollectible. The collectability of individual loans is determined through an assessment of the financial condition and repayment capacity of the borrower and/or through an estimate of the fair value of any underlying collateral. For non-real estate-related consumer credits, the following past-due time periods determine when charge-offs are typically recorded: (1) closed-end credits are charged off in the quarter that the loan becomes 120 days past due; (2) open-end credits are charged off in the quarter that the loan becomes 180 days past due; and (3) both closed-end and open-end credits are typically charged off in the quarter that the credit is 60 days past the date the Company received notification that the borrower has filed for bankruptcy. </span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents additional information about the Company&#8217;s nonaccrual loans at December&#160;31, 2023:</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:49.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.368%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.368%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.952%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Related Allowance</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Income Recognized</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with no related allowance:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with no related allowance</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">294&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with an allowance recorded:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with an allowance recorded</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">428&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents additional information about the Company&#8217;s nonaccrual loans at December&#160;31, 2022:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:50.705%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.597%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Related Allowance</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Income Recognized</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with no related allowance:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with no related allowance</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with an allowance recorded:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with an allowance recorded</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org//310/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditLossAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditLossAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>42
<FILENAME>R17.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734626528608">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeasesTextBlock', window );">Leases</a></td>
<td class="text">Leases<div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Lessor Arrangements</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a lessor in the equipment finance business where it has executed direct financing leases (&#8220;lease finance receivables&#8221;). The Company produces lease finance receivables through a specialty finance subsidiary that participates in syndicated loans that are brought to them, and equipment loans and leases that are assigned to them, by a select group of </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">nationally recognized sources, and are generally made to large corporate obligors, many of which are publicly traded, carry investment grade or near-investment grade ratings, and participate in stable industries nationwide. Lease finance receivables are carried at the aggregate of lease payments receivable plus the estimated residual value of the leased assets and any initial direct costs incurred to originate these leases, less unearned income, which is accreted to interest income over the lease term using the interest method.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The standard leases are typically repayable on a level monthly basis with terms ranging from 24 to 120 months. At the end of the lease term, the lessee usually has the option to return the equipment, to renew the lease or purchase the equipment at the then fair market value (&#8220;FMV&#8221;) price. For leases with a FMV renewal/purchase option, the relevant residual value assumptions are based on the estimated value of the leased asset at the end of the lease term, including evaluation of key factors, such as, the estimated remaining useful life of the leased asset, its historical secondary market value including history of the lessee executing the FMV option, overall credit evaluation and return provisions. The Company acquires the leased asset at fair market value and provides funding to the respective lessee at acquisition cost, less any volume or trade discounts, as applicable. Therefore, there is generally no selling profit or loss to recognize or defer at inception of a lease.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The residual value component of a lease financing receivable represents the estimated fair value of the leased equipment at the end of the lease term. In establishing residual value estimates, the Company may rely on industry data, historical experience, and independent appraisals and, where appropriate, information regarding product life cycle, product upgrades and competing products. Upon expiration of a lease, residual assets are remarketed, resulting in either an extension of the lease by the lessee, a lease to a new customer or purchase of the residual asset by the lessee or another party. Impairment of residual values arises if the expected fair value is less than the carrying amount. The Company assesses its net investment in lease financing receivables (including residual values) for impairment on an annual basis with any impairment losses recognized in accordance with the impairment guidance for financial instruments. As such, net investment in lease financing receivables may be reduced by an allowance for credit losses with changes recognized as provision expense. On certain lease financings, the Company obtains residual value insurance from third parties to manage and reduce the risk associated with the residual value of the leased assets. At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of residual assets with third-party residual value insurance for at least a portion of the asset value was $280&#160;million and $32&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses the interest rate implicit in the lease to determine the present value of its lease financing receivables.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of lease income were as follows: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:62.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.034%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.742%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.452%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income on lease financing</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in Interest Income &#8211; Loans and leases in the Consolidated Statements of Income and Comprehensive Income. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of net investment in leases, excluding purchase accounting adjustments was $3.5&#160;billion and $1.7&#160;billion, respectively. The components of net investment in direct financing leases, including the carrying amount of the lease receivables, as well as the unguaranteed residual asset were as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:60.288%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.927%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.930%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net investment in the lease - lease payments receivable</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,187&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,685&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net investment in the lease - unguaranteed residual assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,508&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,745&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the remaining maturity analysis of the undiscounted lease receivables, as well as the reconciliation to the total amount of receivables recognized in the Consolidated Statements of Condition: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:82.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.428%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">602&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">874&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">293&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">669&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,508&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Plus: deferred origination costs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: unearned income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(258)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: purchase accounting adjustment</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease finance receivables, net</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,189&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Lessee Arrangements</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has operating leases for corporate offices, branch locations, and certain equipment. These leases generally have terms of 20 years or less, determined based on the contractual maturity of the lease, and include periods covered by options to extend or terminate the lease when the Company is reasonably certain that it will exercise those options. For the vast majority of the Company&#8217;s leases, we are not reasonably certain we will exercise our options to renew to the end of all renewal option periods. The Company determines if an arrangement is a lease at inception. Operating leases are included in other assets and other liabilities in the Consolidated Statements of Condition.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ROU assets represent the Company&#8217;s right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As the vast majority of the leases do not provide an implicit rate, the incremental borrowing rate (FHLB borrowing rate) is used based on the information available at commencement date in determining the present value of lease payments. The implicit rate is used when readily determinable. The operating lease ROU asset is measured at cost, which includes the initial measurement of the lease liability, prepaid rent and initial direct costs incurred by the Company, less incentives received.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Variable costs such as the proportionate share of actual costs for utilities, common area maintenance, property taxes and insurance are not included in the lease liability and are recognized in the period in which they are incurred.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of lease expense were as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:40.469%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.231%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.923%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.815%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease cost</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease cost</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Supplemental cash flow information related to the leases for the following periods: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:71.414%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.958%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.744%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash paid for amounts included in the measurement of lease liabilities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating cash flows from operating leases</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Supplemental balance sheet information related to the leases for the following periods: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:63.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.541%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except lease term and discount rate)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating Leases:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease right-of-use assets </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease liabilities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average remaining lease term</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 years</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 years</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average discount rate percent</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.71&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.85&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in <span style="-sec-ix-hidden:f-1752"><span style="-sec-ix-hidden:f-1753">Other assets</span></span> in the Consolidated Statements of Condition.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in <span style="-sec-ix-hidden:f-1754"><span style="-sec-ix-hidden:f-1755">Other liabilities</span></span> in the Consolidated Statements of Condition.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:82.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.012%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"><br/></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maturities of lease liabilities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">296&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">587&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: imputed interest</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(141)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total present value of lease liabilities</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LessorDirectFinancingLeasesTextBlock', window );">Leases</a></td>
<td class="text">Leases<div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Lessor Arrangements</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a lessor in the equipment finance business where it has executed direct financing leases (&#8220;lease finance receivables&#8221;). The Company produces lease finance receivables through a specialty finance subsidiary that participates in syndicated loans that are brought to them, and equipment loans and leases that are assigned to them, by a select group of </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">nationally recognized sources, and are generally made to large corporate obligors, many of which are publicly traded, carry investment grade or near-investment grade ratings, and participate in stable industries nationwide. Lease finance receivables are carried at the aggregate of lease payments receivable plus the estimated residual value of the leased assets and any initial direct costs incurred to originate these leases, less unearned income, which is accreted to interest income over the lease term using the interest method.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The standard leases are typically repayable on a level monthly basis with terms ranging from 24 to 120 months. At the end of the lease term, the lessee usually has the option to return the equipment, to renew the lease or purchase the equipment at the then fair market value (&#8220;FMV&#8221;) price. For leases with a FMV renewal/purchase option, the relevant residual value assumptions are based on the estimated value of the leased asset at the end of the lease term, including evaluation of key factors, such as, the estimated remaining useful life of the leased asset, its historical secondary market value including history of the lessee executing the FMV option, overall credit evaluation and return provisions. The Company acquires the leased asset at fair market value and provides funding to the respective lessee at acquisition cost, less any volume or trade discounts, as applicable. Therefore, there is generally no selling profit or loss to recognize or defer at inception of a lease.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The residual value component of a lease financing receivable represents the estimated fair value of the leased equipment at the end of the lease term. In establishing residual value estimates, the Company may rely on industry data, historical experience, and independent appraisals and, where appropriate, information regarding product life cycle, product upgrades and competing products. Upon expiration of a lease, residual assets are remarketed, resulting in either an extension of the lease by the lessee, a lease to a new customer or purchase of the residual asset by the lessee or another party. Impairment of residual values arises if the expected fair value is less than the carrying amount. The Company assesses its net investment in lease financing receivables (including residual values) for impairment on an annual basis with any impairment losses recognized in accordance with the impairment guidance for financial instruments. As such, net investment in lease financing receivables may be reduced by an allowance for credit losses with changes recognized as provision expense. On certain lease financings, the Company obtains residual value insurance from third parties to manage and reduce the risk associated with the residual value of the leased assets. At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of residual assets with third-party residual value insurance for at least a portion of the asset value was $280&#160;million and $32&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses the interest rate implicit in the lease to determine the present value of its lease financing receivables.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of lease income were as follows: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:62.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.034%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.742%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.452%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income on lease financing</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in Interest Income &#8211; Loans and leases in the Consolidated Statements of Income and Comprehensive Income. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of net investment in leases, excluding purchase accounting adjustments was $3.5&#160;billion and $1.7&#160;billion, respectively. The components of net investment in direct financing leases, including the carrying amount of the lease receivables, as well as the unguaranteed residual asset were as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:60.288%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.927%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.930%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net investment in the lease - lease payments receivable</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,187&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,685&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net investment in the lease - unguaranteed residual assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,508&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,745&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the remaining maturity analysis of the undiscounted lease receivables, as well as the reconciliation to the total amount of receivables recognized in the Consolidated Statements of Condition: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:82.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.428%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">602&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">874&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">293&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">669&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,508&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Plus: deferred origination costs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: unearned income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(258)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: purchase accounting adjustment</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease finance receivables, net</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,189&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Lessee Arrangements</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has operating leases for corporate offices, branch locations, and certain equipment. These leases generally have terms of 20 years or less, determined based on the contractual maturity of the lease, and include periods covered by options to extend or terminate the lease when the Company is reasonably certain that it will exercise those options. For the vast majority of the Company&#8217;s leases, we are not reasonably certain we will exercise our options to renew to the end of all renewal option periods. The Company determines if an arrangement is a lease at inception. Operating leases are included in other assets and other liabilities in the Consolidated Statements of Condition.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ROU assets represent the Company&#8217;s right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As the vast majority of the leases do not provide an implicit rate, the incremental borrowing rate (FHLB borrowing rate) is used based on the information available at commencement date in determining the present value of lease payments. The implicit rate is used when readily determinable. The operating lease ROU asset is measured at cost, which includes the initial measurement of the lease liability, prepaid rent and initial direct costs incurred by the Company, less incentives received.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Variable costs such as the proportionate share of actual costs for utilities, common area maintenance, property taxes and insurance are not included in the lease liability and are recognized in the period in which they are incurred.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of lease expense were as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:40.469%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.231%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.923%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.815%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease cost</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease cost</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Supplemental cash flow information related to the leases for the following periods: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:71.414%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.958%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.744%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash paid for amounts included in the measurement of lease liabilities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating cash flows from operating leases</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Supplemental balance sheet information related to the leases for the following periods: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:63.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.541%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except lease term and discount rate)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating Leases:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease right-of-use assets </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease liabilities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average remaining lease term</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 years</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 years</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average discount rate percent</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.71&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.85&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in <span style="-sec-ix-hidden:f-1752"><span style="-sec-ix-hidden:f-1753">Other assets</span></span> in the Consolidated Statements of Condition.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in <span style="-sec-ix-hidden:f-1754"><span style="-sec-ix-hidden:f-1755">Other liabilities</span></span> in the Consolidated Statements of Condition.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:82.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.012%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"><br/></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maturities of lease liabilities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">296&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">587&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: imputed interest</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(141)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total present value of lease liabilities</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeasesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for operating leases of lessee. Includes, but is not limited to, description of operating lease and maturity analysis of operating lease liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//842-20/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeasesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LessorDirectFinancingLeasesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure of lessor's direct financing leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//842-30/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LessorDirectFinancingLeasesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>43
<FILENAME>R18.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734766321360">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Mortgage Servicing Rights<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TransfersAndServicingAbstract', window );"><strong>Transfers and Servicing [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock', window );">Mortgage Servicing Rights</a></td>
<td class="text">Mortgage Servicing Rights<div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has investments in MSRs that result from the sale of loans to the secondary market for which we retain the servicing. The Company accounts for MSRs at their fair value. A primary risk associated with MSRs is the potential reduction in fair value as a result of higher than anticipated prepayments due to loan refinancing prompted, in part, by declining interest rates or government intervention. Conversely, these assets generally increase in value in a rising interest rate environment to the extent that prepayments are slower than anticipated. The Company utilizes derivatives as economic hedges to offset changes in the fair value of the MSRs resulting from the actual or anticipated changes in prepayments stemming from changing interest rate environments. There is also a risk of valuation decline due to higher than expected default rates, which we do not believe can be effectively managed using derivatives. For further information regarding the derivative instruments utilized to manage our MSR risks, see Note 15 - Derivative and Hedging Activities.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Changes in the fair value of residential first mortgage MSRs were as follows:</span></div><div style="margin-top:6pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"><tr><td style="width:1.0%"></td><td style="width:84.635%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.165%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at beginning of period</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions from loans sold with servicing retained</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reductions from sales</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes, and other </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes in estimates of fair value due to interest rate risk</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1) (2)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of MSRs at end of period</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,111&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Changes in fair value are included within <span style="-sec-ix-hidden:f-1774"><span style="-sec-ix-hidden:f-1775">net return on mortgage servicing rights</span></span> on the Consolidated Statements of Income and Comprehensive Income.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents estimated MSR value change resulting primarily from market-driven changes which we manage through the use of derivatives.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the hypothetical effect on the fair value of servicing rights using adverse changes of 10 percent and 20 percent to the weighted average of certain significant assumptions used in valuing these assets:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:57.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.650%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.929%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10% adverse change</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20% adverse change</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Option adjusted spread</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,072&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,073&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,040&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average cost to service per loan</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,100&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,090&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:58.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.650%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.873%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10% adverse change</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20% adverse change</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Option adjusted spread</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,012&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">970&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average cost to service per loan</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,023&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,013&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. To isolate the effect of the specified change, the fair value shock analysis is consistent with the identified adverse change, while holding all other assumptions constant. In practice, a change in one assumption generally impacts other assumptions, which may either magnify or counteract the effect of the change. For further information on the fair value of MSRs</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, see Note 18 - Fair Value Measures</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Contractual servicing and subservicing fees, including late fees and other ancillary income are presented below. Contractual servicing fees are included within net return on mortgage servicing rights on the Consolidated Statements of Income and Comprehensive Income. Contractual subservicing fees including late fees and other ancillary income are included within loan administration income on the Consolidated Statements of Income and Comprehensive Income. Subservicing fee income is recorded for fees earned on subserviced loans, net of third-party subservicing costs.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes income and fees associated with owned MSRs:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.099%"><tr><td style="width:1.0%"></td><td style="width:69.987%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.252%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Month Ended December 31, 2022</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Servicing fees, ancillary income and late fees</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes and other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes in fair value due to interest rate risk</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gain on MSR derivatives</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net transaction costs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total return included in net return on mortgage servicing rights</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Changes in the derivatives utilized as economic hedges to offset changes in fair value of the MSRs.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes income and fees associated with our mortgage loans subserviced for others: </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"><tr><td style="width:1.0%"></td><td style="width:70.118%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.850%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.732%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan administration income on mortgage loans subserviced</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Servicing fees, ancillary income and late fees </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">154&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charges on subserviced custodial balances </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(168)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other servicing charges</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total (loss) income on mortgage loans subserviced, included in loan administration income</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Charges on subserviced custodial balances represent interest due to MSR owner.</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We also earned approximately $95&#160;million in service fee income for loans being serviced for the FDIC related to the Signature transaction.</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransfersAndServicingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TransfersAndServicingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481420/860-30-50-1A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-4<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(4)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(5)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-2<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//860/tableOfContent<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-3<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (cc)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-3<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(5)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4D<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481420/860-30-50-1A<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481420/860-30-50-7<br><br>Reference 19: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-2<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-2<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>44
<FILENAME>R19.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734627849568">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Variable Interest Entities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>Organization, Consolidation and Presentation of Financial Statements [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_VariableInterestEntityDisclosureTextBlock', window );">Variable Interest Entities</a></td>
<td class="text">Variable Interest Entities<div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We have no consolidated VIEs as of December&#160;31, 2023 and December&#160;31, 2022.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div>In connection with our non-qualified mortgage securitization activities, we have retained a five percent interest in the investment securities of certain trusts ("other MBS") and are contracted as the subservicer of the underlying loans, compensated based on market rates, which constitutes a continuing involvement in these trusts. Although we have a variable interest in these securitization trusts, we are not their primary beneficiary due to the relative size of our investment in comparison to the total amount of securities issued by the VIE and our inability to direct activities that most significantly impact the VIE&#8217;s economic performance. As a result, we have not consolidated the assets and liabilities of the VIE in our Consolidated Statements of Condition. The Bank&#8217;s maximum exposure to loss is limited to our five percent retained interest in the investment securities that had a fair value of $180&#160;million as of December&#160;31, 2023 as well as the standard representations and warranties made in conjunction with the loan transfers.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_VariableInterestEntityDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for a variable interest entity (VIE), including but not limited to, judgments and assumptions in determining whether to consolidate and in identifying the primary beneficiary, gain (loss) recognized on the initial consolidation of the VIE, terms of arrangements, amounts and classification of the VIE's assets and liabilities, and the entity's maximum exposure to loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//810/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_VariableInterestEntityDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>45
<FILENAME>R20.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619576576">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowed Funds<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtDisclosureAbstract', window );"><strong>Debt Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtDisclosureTextBlock', window );">Borrowed Funds</a></td>
<td class="text">Borrowed Funds<div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s borrowed funds: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:72.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.816%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.818%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Wholesale borrowings:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB advances</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,250&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,325&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FRB term funding</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,000&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total wholesale borrowings</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,250&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,325&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior subordinated debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">579&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">575</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subordinated notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">432</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total borrowed funds</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,267&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,332&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Accrued interest on borrowed funds is included in &#8220;Other liabilities&#8221; in the Consolidated Statements of Condition and amounted to</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $50&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and $37&#160;million, respectively, at December&#160;31, 2023, December&#160;31, 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">FHLB Advances</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The contractual maturities and the next call dates of FHLB advances outstanding at December&#160;31, 2023 were as follows:</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:45.150%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.983%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.844%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.320%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Contractual Maturity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Earlier of Contractual Maturity or Next Call Date</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions) Year</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate (1)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate (1)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,350&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.57&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,100&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.37&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.38&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,750&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,500&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.37&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,500&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.37&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.62&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.75&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,400&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.17&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,400&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.17&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2032</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total FHLB advances</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,250&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,250&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Does not included the effect interest rate swap agreements.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">FHLB advances include both straight fixed-rate advances and advances under the FHLB convertible advance program, which gives the FHLB the option of either calling the advance after an initial lock-out period of up to five years  and quarterly thereafter until maturity, or a one-time call at the initial call date.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and 2022, respectively, the Bank had unused lines of available credit with the FHLB-NY of up to $8.4&#160;billion and $11.3&#160;billion. The Company did not have any overnight advances at December&#160;31, 2023 and $2.8&#160;billion at December&#160;31, 2022. During the year ended December&#160;31, 2023, the average balance of overnight advances amounted to $624 million, with a weighted average interest rate of 5.08 percent. During the year ended December&#160;31, 2022, the average balance of overnight advances amounted to $318 million, with a weighted average interest rate of 3.48 percent.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Total FHLB advances generated interest expense of $564&#160;million, $251&#160;million and $233&#160;million, in the years ended December&#160;31, 2023, 2022, and 2021, respectively. </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Reserve Bank (FRB) Term Funding Program</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the Company had $1.0&#160;billion in outstanding borrowings under the FRB Term Funding program. There were no such borrowings outstanding during the years ended 2022 or 2021.</span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Repurchase Agreements</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had no outstanding repurchase agreements as of December&#160;31, 2023 and 2022. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had no short-term repurchase agreements outstanding at December&#160;31, 2023 and 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There was no accrued interest on repurchase agreements amounted at December&#160;31, 2023. The interest expense on repurchase agreements was $14&#160;million and $18&#160;million for the years ended December&#160;31, 2022 and 2021, respectively.</span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Funds Purchased</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">There were no federal funds purchased outstanding at December&#160;31, 2023 and December&#160;31, 2022.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2023 and 2022, respectively, the average balances of federal funds purchased were $196 million and $466 million, with weighted average interest rates of 5.01 percent and 1.65 percent. The interest expense produced by federal funds purchased was $10 million, $8 million and $0&#160;million for the years ended December&#160;31, 2023, 2022 and 2021, respectively. </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Junior Subordinated Debentures</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the Company had $609&#160;million and $608&#160;million, respectively, of outstanding junior subordinated deferrable interest debentures (&#8220;junior subordinated debentures&#8221;) held by statutory business trusts (the &#8220;Trusts&#8221;) that issued guaranteed capital securities, excluding purchase accounting adjustments.</span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents contractual terms of the junior subordinated debentures outstanding at December&#160;31, 2023:</span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:38.073%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.013%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.723%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.153%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.300%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Issuer</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate of Capital Securities and Debentures</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior Subordinated Debentures Amount Outstanding </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital Securities Amount Outstanding</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Date of Original Issue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stated Maturity</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Capital Trust V (BONUSES Units) (1)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nov. 4, 2002</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nov. 1, 2051</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Capital Trust X (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.25</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 14, 2006</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 15, 2036</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">PennFed Capital Trust III (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.90</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 2, 2003</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 15, 2033</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Capital Trust XI (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.24</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 16, 2007</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 30, 2037</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust II (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.87</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 26, 2002</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 26, 2032</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust III (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.91</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Feb. 19, 2003</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 7, 2033</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust IV (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.84</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar. 19, 2003</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar 19, 2033</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust V (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.66</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec 29, 2004</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Jan. 7, 2035</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust VI (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.66</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar. 30, 2005</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 7, 2035</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust VII (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.40</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar. 29, 2005</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 15, 2035</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust VIII (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.16</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sept. 22, 2005</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Oct. 7, 2035</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust IX (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.10</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 28, 2007</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sept. 15, 2037</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust X (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.15</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Aug. 31, 2007</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sept 15, 2037</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total junior subordinated debentures</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">589&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Callable subject to certain conditions as described in the prospectus filed with the SEC on November 4, 2002. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Callable at any time. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes Flagstar Acquisition fair value adjustments of $30&#160;million.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bifurcated Option Note Unit SecuritiES</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline">SM</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (&#8220;BONUSES units&#8221;) included in the preceding table were issued by the Company on November 4, 2002 at a public offering price of $50.00 per share. Each of the 5,500,000 BONUSES units offered consisted of a capital security issued by New York Community Capital Trust V, a trust formed by the Company, and a warrant to purchase 2.4953 shares of the common stock of the Company (for a total of approximately 14&#160;million common shares) at an effective exercise price of $20.04 per share. Each capital security has a maturity of 49 years, with a coupon, or distribution rate, of 6.00 percent on the $50.00 per share liquidation amount. The warrants and capital securities were non-callable for five years from the date of issuance and were not called by the Company when the five-year period passed on November 4, 2007.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The gross proceeds of the BONUSES units totaled $275&#160;million and were allocated between the capital security and the warrant comprising such units in proportion to their relative values at the time of issuance. The value assigned to the warrants, $92.4&#160;million, was recorded as a component of additional &#8220;paid-in capital&#8221; in the Company&#8217;s Consolidated Statements of Condition. The value assigned to the capital security component was $182.6&#160;million. The $92.4&#160;million difference between the assigned value and the stated liquidation amount of the capital securities was treated as an original issue discount, and is being amortized to interest expense over the 49-year life of the capital securities on a level-yield basis. At </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, this discount totaled $64&#160;million.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The other remaining trust preferred securities noted in the preceding table were formed for the purpose of issuing Company Obligated Mandatorily Redeemable Capital Securities of Subsidiary Trusts Holding Solely Junior Subordinated Debentures (collectively, the &#8220;Capital Securities&#8221;). Dividends on the Capital Securities are payable either quarterly or semi-annually and are deferrable, at the Company&#8217;s option, for up to five years. As of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, all dividends were current.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest expense on junior subordinated debentures was $48&#160;million, $22&#160;million, and $18&#160;million, respectively, for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, 2022, and 2021. </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Subordinated Notes</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the Company had a total of $438&#160;million and $432&#160;million subordinated notes outstanding; respectively, of fixed-to-floating rate subordinated notes outstanding:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:33.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.427%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.209%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Date of Original Issue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stated Maturity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Original Issue Amount</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 6, 2018</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 6, 2028 (1)</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.900%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 28, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 1, 2030 (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.125%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">From and including the date of original issuance to, but excluding November 6, 2023, the Notes will bear interest at an initial rate of 5.90 percent per annum payable semi-annually. Unless redeemed, from and including November 6, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023 to but excluding the maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then-current three-month SOFR rate plus 304.16 b</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">asis points payable quarterly. </span></div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span>From and including the date of original issuance, the Notes will bear interest at a fixed rate of 4.13 percent through October 31, 2025, and a variable rate tied to SOFR thereafter until maturity. The Company has the option to redeem all or a part of the Notes beginning on November 1, 2025, and on any subsequent interest payment date.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 470<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//470/tableOfContent<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1C<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1C<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1C<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1C<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1C<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1C<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>46
<FILENAME>R21.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734626238208">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatisticalDisclosureForBanksAbstract', window );"><strong>Statistical Disclosure for Banks [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">Deposits</a></td>
<td class="text">Deposits<div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the weighted average interest rates for each type of deposit at December&#160;31, 2023 and 2022: </span></div><div><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:37.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.205%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.177%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.351%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-bearing checking and money market accounts</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,700&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.66&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.51&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,511&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38.34&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.66&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Savings accounts</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,773&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.76&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.67&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,645&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.83&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,554&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26.44&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.42&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,510&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.04&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-interest-bearing accounts</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,499&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,055&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.53&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total deposits</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,526&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.00&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.79&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,721&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.00&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.71&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and 2022, the aggregate amount of time deposit accounts (including certificates of deposit) that meet or exceed the insured limit was $7.9 billion and $3.7 billion, respectively. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and 2022, the aggregate amount of deposits that had been reclassified as loan balances (i.e., overdrafts) was $121&#160;million and $4&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The scheduled maturities of certificates of deposit at December&#160;31, 2023 were as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.269%"><tr><td style="width:1.0%"></td><td style="width:82.405%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.395%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 year or less</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,321&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 1 year through 2 years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 2 years through 3 years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 3 years through 4 years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 4 years through 5 years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over 5 years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total CDs </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,581&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1) Excludes PAA</span></div>Included in total deposits at both December&#160;31, 2023 and 2022 were brokered deposits of $9.5&#160;billion and $5.1&#160;billion with weighted average interest rates of 3.72 percent and .49 percent at the respective year-ends. Brokered money market accounts represented $1.3&#160;billion and $2.8&#160;billion of the December&#160;31, 2023 and 2022 totals, and brokered interest-bearing checking accounts represented $1.6&#160;billion and $1.0&#160;billion, respectively. Brokered CDs represented $6.6&#160;billion and $1.3&#160;billion of brokered deposits at December&#160;31, 2023 and 2022, respectively.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatisticalDisclosureForBanksAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatisticalDisclosureForBanksAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 405<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481047/942-405-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (e)<br> -Publisher SEC<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Publisher SEC<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositLiabilitiesDisclosuresTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>47
<FILENAME>R22.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734721761072">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal, State, and Local Taxes<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureTextBlock', window );">Federal, State, and Local Taxes</a></td>
<td class="text">Federal, State, and Local Taxes<div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#160;&#160;&#160;&#160;</span></div><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the components of the Company&#8217;s net deferred tax asset (liability) at December&#160;31, 2023 and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:76.179%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.979%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.981%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred Tax Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses on loans and leases</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on securities (including OTTI)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capitalized loan costs</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Right of Use Liability</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Compensation and related benefit obligations</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capitalized research and development costs</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued Expenses</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net operating loss carryforwards</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross deferred tax assets</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">552&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">477&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Valuation allowance</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net deferred tax asset after valuation allowance</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">547&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred Tax Liabilities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leases</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(492)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(328)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(105)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premises and equipment</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prepaid pension cost</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value adjustments on loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(210)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortizable intangibles</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(127)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(71)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Right of Use Asset</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred Loan fees</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on debt</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross deferred tax liabilities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,064)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(579)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net deferred tax liability</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(517)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(107)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The deferred tax liability represents the anticipated federal, state, and local tax expenses or benefits that are expected to be realized in future years upon the utilization of the underlying tax attributes comprising said balances. The net deferred tax liability is included in &#8220;Other liabilities&#8221; in the Consolidated Statements of Condition at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates the need for a deferred tax asset valuation allowances based on a more likely than not standard. The Company&#8217;s evaluation is based on its history of reporting positive taxable income in all relevant tax jurisdictions, the length of time available to utilize the net operating loss carryforwards, and the recognition of taxable income in future periods from taxable temporary differences.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022,</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> the Company had a state deferred tax asset for net operating losses (&#8220;NOL&#8221;) of $8&#160;million and $15&#160;million, </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">respectively</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> (net of federal tax impact) which includes total state net operating loss carryforwards o</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">f $185&#160;million at December&#160;31, 2023, that e</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">xpire if unused in calendar years through 2033. In connection with our ongoing assessment of deferred taxes, we analyzed each state net operating loss separately, determined the amount of net operating loss available and estimated the amount which we expected to expire unused. Based on that assessment, we recorded a valuation allowance of $5&#160;million at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022 to reduce the DTA to the amount which is more likely than not to be realized. </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s income tax expense for the years ended December&#160;31, 2023</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:65.844%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.327%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.327%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.902%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal &#8211; current</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State and local &#8211; current</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total current</span></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal &#8211; deferred</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(137)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State and local &#8211; deferred</span></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total deferred</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(186)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense reported in net income</span></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">210&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense reported in stockholders&#8217; equity related to:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities available-for-sale</span></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(223)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pension liability adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash flow hedge</span></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income taxes</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents a reconciliation of statutory federal income tax expense (benefit) to combined actual income tax expense (benefit) reported in net income for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">:</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:55.705%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.094%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.930%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Statutory federal income tax at 21%</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State and local income taxes, net of federal income tax effect</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax Exempt income</span></div></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-taxable bargain gain</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(447)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible goodwill impairment</span></div></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">509&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible FDIC deposit insurance premiums</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effect of tax deductibility of deferred compensation</span></div></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-taxable income and expense of BOLI</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible merger expenses</span></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible compensation expense</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal tax credits</span></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustments relating to prior tax years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income tax expense</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">210&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company invests in affordable housing projects through limited partnerships that generate federal Low Income Housing Tax Credits. The balances of these investments, which are included in &#8220;Other assets&#8221; in the Consolidated Statements of Condition, were </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$372&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and $304&#160;million, respectively, at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022, and included commitments of $210&#160;million and $183&#160;million that are expected to be funded over the next 5 years. The Company elected to apply the proportional amortization method to these investments. Recognized in the determination of income tax (benefit) expense from operations for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, 2022, and 2021 were </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$34&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, $11&#160;million, and $9&#160;million, respectively, </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">of affordable housing tax credits and other tax benefits, and an offsetting $30&#160;million, $10&#160;million, and $9&#160;million, respectively, for the amortization of the related investments. No impairment losses were recognized in relation to these investments for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, 2022, and 2021.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> GAAP prescribes a recognition threshold and measurement attribute for use in connection with the obligation of a company to recognize, measure, present, and disclose in its financial statements uncertain tax positions that the Company has taken or expects to take on a tax return. As of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022, the Company had </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$42&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and $40&#160;million of unrecognized gross tax benefits, respectively. Gross tax benefits do not reflect the federal tax effect associated with state tax amounts. The total amount of net unrecognized tax benefits at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022 that would have affected the effective tax rate, if recognized, was </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$34&#160;million a</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">nd $32&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest and penalties (if any) related to the underpayment of income taxes are classified as a component of income tax expense in the Consolidated Statements of Income and Comprehensive Income. During the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, 2022, and 2021, the Company recognized income tax expense attributed to interest and penalties of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$8&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, $4&#160;million, and $4&#160;million, respectively. Accrued interest and penalties on tax liabilities were $34&#160;million and $26&#160;million, respectively, at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes changes in the liability for unrecognized gross tax benefits for the years ended December&#160;31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:65.288%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.733%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.733%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.736%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Uncertain tax positions at beginning of year</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions for tax positions relating to current-year operations</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions for tax positions relating to prior tax years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subtractions for tax positions relating to prior tax years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Uncertain tax positions at end of year</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company and its subsidiaries have filed tax returns in many states. The following are the more significant tax filings that are open for examination: </span></div><div style="margin-top:6pt;padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Federal tax filings for tax years 2019 through the present;  </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New York State tax filings for tax years 2010 through the present; </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New York City tax filings for tax years 2011 through the present; and </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New Jersey tax filings for tax years 2018 through the present. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In addition to other state audits, the Company is currently under examination by the following taxing jurisdictions of significance to the Company: </span></div><div style="margin-top:6pt;padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Federal 2019-2020</span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New York State for the tax years 2010 through 2016; and</span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">New York City for the tax years 2011 and 2014. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">It is reasonably possible that there will be developments within the next twelve months that would necessitate an adjustment to the balance of unrecognized tax benefits, including decreases of up to </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$21&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> due to completion of tax authorities&#8217; exams and the expiration of statutes of limitations.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to a special federal tax provision regarding its frozen tax bad debt reserve. At </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, the Bank&#8217;s federal tax bad debt base-year reserve was </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">$62&#160;million</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, with a related federal deferred tax liability of</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $13&#160;million</span>, which has not been recognized since the Bank does not expect that this reserve will become taxable in the foreseeable future. Events that would result in taxation of this reserve include redemptions of the Bank&#8217;s stock or certain excess distributions by the Bank to the Company.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480990/946-20-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//740/tableOfContent<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-14<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 21<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-21<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 270<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482526/740-270-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 17<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-17<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.5.Q1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 11.C)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-2<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482603/740-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>48
<FILENAME>R23.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619382448">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Related Benefits Plans<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Share-Based Payment Arrangement [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">Stock-Related Benefits Plans</a></td>
<td class="text">Stock-Related Benefits Plans <div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Stock Based Compensation</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the Company had a total of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">16,143,893</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> shares available for grants as restricted stock, options, or other forms of related rights under the 2020 Incentive Plan, which includes the remaining shares available, converted at the merger conversion factor from the legacy Flagstar Bancorp, Inc. 2016 Stock Plan. The Company granted </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">9,995,495</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> shares of restricted stock, with an average fair value of $10.24 per share on the date of grant, during the year ended December 31, 2023. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The shares of restricted stock that were granted during the year ended December 31, 2023 and 2022, vest over a <span style="-sec-ix-hidden:f-2199">one</span> to five years period. Compensation and benefits expense related to the RSAs grants is recognized on a straight-line basis over the vesting period and totaled $44&#160;million, $25&#160;million and $27&#160;million  for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> 2022 and 2021.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a summary of activity with regard to restricted stock awards (RSAs): </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:66.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.012%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of Shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Grant Date Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unvested at beginning of year</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,576,602</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.92&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,995,495</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Vested</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,105,582)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.99&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Forfeited</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,292,574)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.62&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unvested at end of period</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,173,941</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.49&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December&#160;31, 2023, unrecognized compensation cost relating to unvested restricted stock totaled $119&#160;million. This amount will be recognized over a remaining weighted average period of 2.7 years.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a summary of activity with regard to Performance-Based Restricted Stock Units ("PSUs") in the year ended December 31, 2023:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.844%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.955%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.622%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.959%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number&#160;of<br/>Shares</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted<br/>Average<br/>Grant Date<br/>Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Performance<br/>Period</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected<br/>Vesting<br/>Date</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Outstanding at beginning of year</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">794,984</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.73&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">566,656</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.95&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Released</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(143,352)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Forfeited</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Outstanding at end of period</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,218,288</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.95&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2022 - December 31, 2025</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">March 31, 2023 - 2026</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">PSUs are subject to adjustment or forfeiture, based upon the achievement by the Company of certain performance standards.  Compensation and benefits expense related to PSUs is recognized using the fair value as of the date the units were approved, on a straight-line basis over the vesting period and totaled $4&#160;million, $3&#160;million and $5&#160;million for the </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">for the years ended December 31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> 2022 and 2021. As of December&#160;31, 2023, unrecognized compensation cost relating to unvested restricted stock totaled $5&#160;million. This amount will be recognized over a remaining weighted average period of 1.53 years. As of December&#160;31, 2023, the Company believes it is probable that the performance conditions will be met. </span></div>Forfeitures of RSAs and PSUs are accounted for as they occur.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//718/tableOfContent<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (l)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>49
<FILENAME>R24.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619690384">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative and Hedging Activities<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>Derivative Instruments and Hedging Activities Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock', window );">Derivative and Hedging Activities</a></td>
<td class="text">Derivative and Hedging Activities<div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposure to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate and liquidity risks, primarily by managing the amount, sources, and duration of its assets and liabilities and, the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the payment of future known and uncertain cash amounts, the value of which are determined by interest rates. </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Derivative financial instruments are recorded at fair value in other assets and other liabilities on the Consolidated Statements of Condition. The Company's policy is to present our derivative assets and derivative liabilities on the Consolidated Statement of Condition on a gross basis, even when provisions allowing for set-off are in place. However, for derivative contracts cleared through certain central clearing parties, variation margin payments are recognized as settlements. We are exposed to non-performance risk by the counterparties to our various derivative financial instruments. A majority of our derivatives are centrally cleared through a Central Counterparty Clearing House or consist of residential mortgage interest rate lock commitments further limiting our exposure to non-performance risk. We believe that the non-performance risk inherent in our remaining derivative contracts is minimal based on credit standards and the collateral provisions of the derivative agreements.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives not designated as hedging instruments.</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> The Company maintains a derivative portfolio of interest rate swaps, foreign currency swaps, futures, swaptions and forward commitments used to manage exposure to changes in interest rates and MSR asset values and to meet the needs of customers. The Company also enters into interest rate lock commitments, which are commitments to originate mortgage loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. Market risk on interest rate lock commitments and mortgage LHFS is managed using corresponding forward sale commitments and US Treasury futures. Changes in the fair value of derivatives not designated as hedging instruments are recognized on the Consolidated Statements of Income and Comprehensive Income.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives designated as hedging instruments</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. The Company has designated certain interest rate swaps as cash flow hedges on overnight SOFR-based variable interest payments on federal home loan bank advances. Changes in the fair value of derivatives designated as cash flow hedges are recorded in other comprehensive income on the Consolidated Statements of Condition and reclassified into interest expense in the same period in which the hedged transaction is recognized in earnings. At December&#160;31, 2023, the Company had</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $10&#160;million (net-of-tax) of unrealized gains on derivatives classified as cash flow hedges recorded in accumulated other comprehensive loss. </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company had</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $52&#160;million (</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">net-of-tax) of unrealized gains on derivatives classified as cash flow hedges recorded in accumulated other comprehensive loss at December&#160;31, 2022.</span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Derivatives that are designated in hedging relationships are assessed for effectiveness using regression analysis at inception and qualitatively thereafter, unless regression analysis is deemed necessary. All designated hedge relationships were, and are expected to be, highly effective as of December&#160;31, 2023.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Fair Value of Hedges of Interest Rate Risk</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is exposed to changes in the fair value of certain of its fixed-rate assets due to changes in interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. Interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount. Such derivatives were used to hedge the changes in fair value of certain of its pools of prepayable fixed rate assets. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has interest rate swaps with a notional amounts of $2.0&#160;billion to hedge certain multi-family loans using the portfolio layer method. For the year ended December&#160;31, 2023, the floating rate received related to the net settlement of these interest rate swaps was greater than the fixed rate payments. As such, interest income from loans and leases in the accompanying Consolidated Statements of Income and Comprehensive Income was increased by $24&#160;million for the year ended December&#160;31, 2023 and decreased by $6&#160;million for the year ended  December&#160;31, 2022, respectively. </span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value basis adjustment on our hedged real estate loans is included in loans and leases held for investment on our Consolidated Statements of Condition. The carrying amount of our hedged loans was $6.1&#160;billion at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, of which unrealized gains of $9&#160;million were due to the fair value hedge relationship. We have designated $2.0&#160;billion of this portfolio of loans in a hedging relationship as of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables set forth information regarding the Company&#8217;s derivative financial instruments:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:52.701%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.034%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.110%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.454%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Notional Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expiration Dates</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated as cash flow hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025-2028</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,500&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated as fair value hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on multi-family loans held for investment</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,000&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025-2027</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,012&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,490&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,431&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024-2041</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,933&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,235&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,048&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,720</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024-2054</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivatives not designated as hedging instruments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,080&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"><tr><td style="width:1.0%"></td><td style="width:52.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.087%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.387%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.387%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.500%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.387%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.504%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Notional Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expiration Date</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated as cash flow hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,750&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2027</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,750&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,205&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,065</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,539</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,594</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2032</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,403&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,445</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2053</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivatives not designated as hedging instruments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,711&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.377%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Not Offset in the Statements of Condition</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Netted in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Amount Presented in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Collateral Pledged (Received)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances </span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on multi-family loans held for investment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaptions</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative assets</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative liabilities</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.377%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Not Offset in the Statements of Condition</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Netted in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Amount Presented in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Collateral Pledged (Received)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances </span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative assets</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative liabilities</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash Flow Hedges of Interest Rate Risk</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s objectives in using interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. Interest rate swaps designated as cash flow hedges involve the receipt of amounts subject to variability caused by changes in interest rates from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. Changes in the fair value of derivatives designated and that qualify as cash flow hedges are initially recorded in other comprehensive income and are subsequently reclassified into earnings in the period that the hedged transaction affects earnings.</span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rate swaps with notional amounts totaling $5.5&#160;billion and $3.8&#160;billion as of December&#160;31, 2023 and December&#160;31, 2022, were designated as cash flow hedges of certain FHLB borrowings.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the effect of the Company&#8217;s cash flow derivative instruments on AOCL:  </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:44.514%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.613%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.274%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.031%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount of gain (loss) recognized in AOCL</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount of reclassified from AOCL to interest expense</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(65)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Amounts reported in AOCL related to derivatives will be reclassified to interest expense as interest payments are made on the Company&#8217;s variable-rate borrowings. During the next twelve months, additional interest expense reduction of $98&#160;million is expected to be reclassified out of AOCL.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Derivatives not Designated as Hedging Instruments</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the net gain (loss) recognized in income on derivatives not designated as hedging  instruments, net of the impact of offsetting positions:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:44.514%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.946%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.768%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Location of Gain (Loss)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments and US Treasury futures</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on loan sales</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Forward commitments</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other noninterest income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other non-interest income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative (loss) gain</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"> Includes customer-initiated commercial interest rate swaps.</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480237/815-40-50-5<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5C<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-5C<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 815<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//815/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>50
<FILENAME>R25.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619662304">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible Assets<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill and Intangible Assets Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IntangibleAssetsDisclosureTextBlock', window );">Intangible Assets</a></td>
<td class="text">Intangible Assets<div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Goodwill</span></div><div style="text-align:justify;text-indent:22.5pt"><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We record goodwill in our consolidated statements of condition in connection with certain of our business combinations. Goodwill, which is tested at least annually for impairment, refers to the difference between the purchase price and the fair value of an acquired company&#8217;s assets, net of the liabilities assumed. As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price. We evaluated those conditions known and knowable by the company and how a market participant would view the control premium as confirmed by the subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of the shortfall which was calculated to be in excess of the goodwill balance. The Company&#8217;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023. As a result, the Company recorded an impairment charge of the entire goodwill balance of $2.4&#160;billion.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Goodwill and related changes in the carrying amount during the year ended December 31, 2023 are as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:86.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.474%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Carrying Amount</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December 31, 2022</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,426&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Impairment</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,426)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December 31, 2023</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Finite-lived Intangible Assets</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a result of the Signature Transaction, the Company recorded</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> $464 million of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">core deposit intangible and other intangible assets that are amortizable.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, intangible assets consisted of the following:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:23.037%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.698%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Carrying Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated Amortization</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Carrying Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Carrying Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated Amortization</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Carrying Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Core deposit intangible</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">587&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">246&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other intangible assets</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other intangible assets</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">756&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(131)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">625&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">292&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">287&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As of December 31, 2023 the weighted average amortization period for core deposit intangible and other intangible assets is 10 years and 5.1 years, respectively.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated amortization expense of CDI and other intangible assets for the next five years is as follows:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:77.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.567%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization Expense</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">482&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IntangibleAssetsDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for all or part of the information related to intangible assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//350-30/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IntangibleAssetsDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>51
<FILENAME>R26.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619690384">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Capital<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_BrokersAndDealersAbstract', window );"><strong>Broker-Dealer [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Capital</a></td>
<td class="text">Capital<div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank is subject to regulation, examination, and supervision by the OCC and the Federal Reserve (the &#8220;Regulators&#8221;). The Bank is also governed by numerous federal and state laws and regulations, including the FDIC Improvement Act of 1991, which established five categories of capital adequacy ranging from &#8220;well capitalized&#8221; to &#8220;critically undercapitalized.&#8221; Such classifications are used by the FDIC to determine various matters, including prompt corrective action and each institution&#8217;s FDIC deposit insurance premium assessments. Capital amounts and classifications are also subject to the Regulators&#8217; qualitative judgments about the components of capital and risk weightings, among other factors. </span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The quantitative measures established to ensure capital adequacy require that banks maintain minimum amounts and ratios of leverage capital to average assets and of common equity tier 1 capital, tier 1 capital, and total capital to risk-weighted assets (as such measures are defined in the regulations).  At December&#160;31, 2023, our capital measures continued to exceed the minimum federal requirements for a bank holding company and for a bank. The following tables sets forth our common equity tier 1, tier 1 risk-based, total risk-based, and leverage capital amounts and ratios on a consolidated basis and for the Bank on a stand-alone basis, as well as the respective minimum regulatory capital requirements, at that date:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the actual capital amounts and ratios for the Company: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.976%"><tr><td style="width:1.0%"></td><td style="width:30.362%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.762%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.728%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.390%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.762%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.728%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.390%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.762%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.728%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.390%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.762%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.736%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Risk-Based Capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2023</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common Equity Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leverage Capital</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,009&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.05&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,512&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.62&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,415&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.77&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,512&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.75&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,983&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,310&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,081&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,392&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,026&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.55&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,202&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.62&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,334&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.77&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,120&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.75&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,335&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.06&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,838&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.78&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,154&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.66&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,838&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.70&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,146&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,195&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,593&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,819&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,189&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.56&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,643&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.78&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,561&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.66&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,019&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.70&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the actual capital amounts and ratios for the Bank: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%"><tr><td style="width:1.0%"></td><td style="width:28.164%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.723%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.694%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.723%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.694%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.723%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.105%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.752%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.758%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Risk-Based Capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2023</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common Equity Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leverage Capital</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,305&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,305&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,271&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.61&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,305&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.48&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,980&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,076&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,389&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,325&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.02&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,998&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,195&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.61&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,916&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.48&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,653&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.96&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,653&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.96&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,982&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.43&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,653&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.87&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,142&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,189&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,585&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,817&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,511&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.46&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,464&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.96&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,397&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,836&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.87&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, our total risk-based capital ratio exceeded the minimum requirement for capital adequacy purposes by 377 basis points and the fully phased-in capital conservation buffer by 127 basis points.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Bank also exceeded the minimum capital requirements to be categorized as &#8220;Well Capitalized.&#8221; To be categorized as well capitalized, a bank must maintain a minimum common equity tier 1 ratio of 6.50 percent; a minimum tier 1 risk-based capital ratio of 8 percent; a minimum total risk-based capital ratio of 10 percent; and a minimum leverage capital ratio of 5 percent.  </span></div><div style="margin-top:6pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Preferred Stock</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 17, 2017, the Company issued 20,600,000 depositary shares, each representing a 1/40th interest in a share of the Company&#8217;s Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, par value $0.01 per share, with a liquidation preference of $1.00 per share (equivalent to $25 per depositary share). Dividends will accrue on the depositary shares at a fixed rate equal to 6.375 percent per annum until March 17, 2027, and a floating rate equal to Three-month LIBOR plus 382.1 basis points per annum beginning on March 17, 2027. Dividends will be payable in arrears on March 17, June 17, September 17, and December 17 of each year, which commenced on June 17, 2017.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Treasury Stock Repurchases</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On October 23, 2018, the Board of Directors approved the repurchase of up to $300&#160;million of the Company&#8217;s outstanding common stock. As of December&#160;31, 2023, the Company has repurchased a total of 30&#160;million shares at an average price of $9.61 or an aggregate purchase of $286&#160;million. The Company had no repurchases during 2023. During the year ended December&#160;31, 2022, the Company repurchased 871,710 shares, at a cost of $8&#160;million.</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_BrokersAndDealersAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_BrokersAndDealersAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1D<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1A<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1F<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>52
<FILENAME>R27.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734628172320">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measures<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Value Measures</a></td>
<td class="text">Fair Value Measures<div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">GAAP sets forth a definition of fair value, establishes a consistent framework for measuring fair value, and requires disclosure for each major asset and liability category measured at fair value on either a recurring or non-recurring basis. GAAP also clarifies that fair value is an &#8220;exit&#8221; price, representing the amount that would be received when selling an asset, or paid when transferring a liability, in an orderly transaction between market participants. Fair value is thus a market-based measurement that should be determined based on assumptions that market participants would use in pricing an asset or liability. As a basis for considering such assumptions, GAAP establishes a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 1 &#8211; Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 2 &#8211; Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. </span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt">Level 3 &#8211; Inputs to the valuation methodology are significant unobservable inputs that reflect a company&#8217;s own assumptions about the assumptions that market participants use in pricing an asset or liability.</span></div><div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">&#8226;</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A financial instrument&#8217;s categorization within this valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. </span></div><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present assets and liabilities that were measured at fair value on a recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#8217;s Consolidated Statements of Condition at those dates: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.427%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.099%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets <br/>(Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs<br/>(Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs <br/>(Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Netting Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-related Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,221&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,221&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,162&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,162&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,531&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,563&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,609&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,609&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,384&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,582&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,915&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,145&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds and common stock</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,929&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,159&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential first mortgage loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">770&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">770&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,111&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,111&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets at fair value</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,957&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,155&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,310&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities at fair value</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.427%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.099%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets <br/>(Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs<br/>(Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs <br/>(Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Netting Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-related Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,297&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,297&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,301</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,301</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,789&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,789&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,398</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,398</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">885</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">885</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,784&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,271&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,573&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds and common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,587&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,074&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential first mortgage loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets at fair value</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,922&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,042&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,451&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities at fair value</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company reviews and updates the fair value hierarchy classifications for its assets on a quarterly basis. Changes from one quarter to the next that are related to the observability of inputs for a fair value measurement may result in a reclassification from one hierarchy level to another. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A description of the methods and significant assumptions utilized in estimating the fair values of securities follows: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government securities and exchange-traded securities. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, models incorporate transaction details such as maturity and cash flow assumptions. Securities valued in this manner would generally be classified within Level 2 of the valuation hierarchy, and primarily include such instruments as mortgage-related and corporate debt securities. </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Periodically, the Company uses fair values supplied by independent pricing services to corroborate the fair values derived from the pricing models. In addition, the Company reviews the fair values supplied by independent pricing services, as well as their underlying pricing methodologies, for reasonableness. The Company challenges pricing service valuations that appear to be unusual or unexpected. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While the Company believes its valuation methods are appropriate, and consistent with those of other market participants, the use of different methodologies or assumptions to determine the fair values of certain financial instruments could result in different estimates of fair values at a reporting date. </span></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fair Value Measurements Using Significant Unobservable Inputs</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables include a roll forward of the Consolidated Statements of Condition amounts (including the change in fair value) for financial instruments classified by us within Level 3 of the valuation hierarchy:</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:29.016%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.426%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.888%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.549%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.186%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.110%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.265%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at Beginning of Year</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><span style="-sec-ix-hidden:f-2804">Total Gains / (Losses) Recorded in Earnings (1)</span></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases / Originations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sales</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlement</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers In (Out)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at End of Year</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212; </span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212; </span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,111&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (net)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)(2)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Totals</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,032&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,152&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">We utilized swaptions, futures, forward agency and loan sales and interest rate swaps to manage the risk associated with mortgage servicing rights and rate lock commitments. Gains and losses for individual lines do not reflect the effect of our risk management activities related to such Level 3 instruments.</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Rate lock commitments are reported on a fallout-adjusted basis. Transfers out of Level 3 represent the settlement value of the commitments that are transferred to LHFS, which are classified as Level 2 assets.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the quantitative information about recurring Level 3 fair value financial instruments and the fair value measurements as of December&#160;31, 2023:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:23.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.209%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.198%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.747%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.739%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Valuation Technique</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unobservable Input </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Range <br/>(Weighted Average)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$1,111</span></td><td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discounted cash flows</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Option adjusted spread</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0% - 21.7% 5.4%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;% - 10.0% 7.9%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average cost to service per loan</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$65.0 - $90.0 $69.0</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$32</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant default rates</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.10% - 0.30%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average life</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.2 - 11.8</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (net)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$9</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consensus pricing</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Origination pull-through rate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.30%</span></td></tr></table></div><div style="margin-top:6pt;padding-left:48.95pt;text-indent:-24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.18pt">Unobservable inputs were weighted by their relative fair value of the instruments.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Assets Measured at Fair Value on a Non-Recurring Basis </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Certain assets are measured at fair value on a non-recurring basis. Such instruments are subject to fair value adjustments under certain circumstances (e.g., when there is evidence of impairment). The following tables present assets that were measured at fair value on a non-recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#8217;s Consolidated Statements of Condition at those dates: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:31.209%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.613%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.666%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.128%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.132%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurements at December&#160;31, 2023 Using</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certain impaired loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of impaired loans, based on the value of the collateral.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.818%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.274%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.250%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.062%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurements at December&#160;31, 2022 Using</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certain impaired loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of impaired loans, based on the value of the collateral.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of collateral-dependent impaired loans are determined using various valuation techniques, including consideration of appraised values and other pertinent real estate and other market data. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Other Fair Value Disclosures </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For the disclosure of fair value information about the Company&#8217;s on- and off-balance sheet financial instruments, when available, quoted market prices are used as the measure of fair value. In cases where quoted market prices are not available, fair values are based on present-value estimates or other valuation techniques. Such fair values are significantly affected by the assumptions used, the timing of future cash flows, and the discount rate. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Because assumptions are inherently subjective in nature, estimated fair values cannot be substantiated by comparison to independent market quotes. Furthermore, in many cases, the estimated fair values provided would not necessarily be realized in an immediate sale or settlement of such instruments. </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the carrying values, estimated fair values, and fair value measurement levels of financial instruments that were not carried at fair value on the Company&#8217;s Consolidated Statements of Condition at December&#160;31, 2023 and December&#160;31, 2022: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:33.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.135%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.995%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.995%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.906%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.995%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.749%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.671%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurement Using</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,475&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,475&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,475&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB and FRB stock </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,392&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,392&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,392&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and leases held for investment, net</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,627&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,333&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,333&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,526&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,247&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,972&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,275&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,082&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,082&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Carrying value and estimated fair value are at cost. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Certificates of deposit.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:34.038%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.022%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.438%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.516%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurement Using</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,032&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,032&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,032&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB and FRB stock </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and leases held for investment, net</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,608&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,673&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,673&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,721&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,479&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,211&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,268&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,332&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,231&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,231&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Carrying value and estimated fair value are at cost. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Certificates of deposit.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The methods and significant assumptions used to estimate fair values for the Company&#8217;s financial instruments follow: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash and cash equivalents include cash and due from banks and federal funds sold. The estimated fair values of cash and cash equivalents are assumed to equal their carrying values, as these financial instruments are either due on demand or have short-term maturities. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Securities </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, pricing models also incorporate transaction details such as maturities and cash flow assumptions. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Home Loan Bank Stock </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ownership in equity securities of the FHLB is generally restricted and there is no established liquid market for their resale. The carrying amount approximates the fair value. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans and leases</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company discloses the fair value of loans measured at amortized cost using an exit price notion. The Company determined the fair value on substantially all of its loans for disclosure purposes, on an individual loan basis. The discount rates reflect current market rates for loans with similar terms to borrowers having similar credit quality on an exit price basis. For those loans where a discounted cash flow technique was not considered reliable, the Company used a quoted market price for each individual loan. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">MSRs</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant unobservable inputs used in the fair value measurement of the MSRs are option adjusted spreads, prepayment rates and cost to service. Significant increases (decreases) in all three assumptions in isolation result in a significantly lower (higher) fair value measurement. Weighted average life (in years) is used to determine the change in fair value of MSRs. For December&#160;31, 2023, the weighted average life (in years) for the entire  portfolio was 6.83.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Rate lock commitments</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant unobservable input used in the fair value measurement of the rate lock commitments is the pull through rate. The pull through rate is a statistical analysis of our actual rate lock fallout history to determine the sensitivity of the residential mortgage loan pipeline compared to interest rate changes and other deterministic values. New market prices are applied based on updated loan characteristics and new fallout ratios (i.e. the inverse of the pull through rate) are applied accordingly. Significant increases (decreases) in the pull through rate in isolation result in a significantly higher (lower) fair value measurement.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Deposits </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of deposit liabilities with no stated maturity (i.e., interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts) are equal to the carrying amounts payable on demand. The fair values of CDs represent contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities. These estimated fair values do not include the intangible value of core deposit relationships, which comprise a portion of the Company&#8217;s deposit base. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrowed Funds </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of borrowed funds is based either on bid quotations received from securities dealers or the discounted value of contractual cash flows with interest rates currently in effect for borrowed funds with similar maturities and structures.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Off-Balance Sheet Financial Instruments</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of commitments to extend credit and unadvanced lines of credit are estimated based on an analysis of the interest rates and fees currently charged to enter into similar transactions, considering the remaining terms of the commitments and the creditworthiness of the potential borrowers. The estimated fair values of such off-balance sheet financial instruments were insignificant at December&#160;31, 2023 and December&#160;31, 2022. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Fair Value Option </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">We elected the fair value option for certain items as discussed throughout the Notes to the Consolidated Financial Statements to more closely align the accounting method with the underlying economic exposure. Interest income on LHFS is accrued on the principal outstanding primarily using the "simple-interest" method.</span></div><div style="margin-top:12pt;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects the change in fair value included in earnings of financial instruments for which the fair value option has been elected:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:72.730%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.619%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.767%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on loan sales</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects the difference between the aggregate fair value and aggregate remaining contractual principal balance outstanding for assets and liabilities for which the fair value option has been elected:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:57.650%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.927%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.901%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unpaid Principal Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Over / (Under) UPB</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total non-accrual loans</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other performing loans:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">869&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other performing loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">869&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">896&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">896&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:57.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.902%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unpaid Principal Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Over / (Under) UPB</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other performing loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other performing loans</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosuresTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueDisclosuresTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>53
<FILENAME>R28.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619472960">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefits<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>Retirement Benefits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock', window );">Employee Benefits</a></td>
<td class="text">Employee Benefits <div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Retirement Plan  </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The New York Community Bancorp, Inc. Retirement Plan (the &#8220;Retirement Plan&#8221;) covers substantially all employees who had attained minimum age, service, and employment status requirements prior to the date when the individual plans were frozen by the banks of origin. Once frozen, the individual plans ceased to accrue additional benefits, service, and compensation factors, and became closed to employees who would otherwise have met eligibility requirements after the &#8220;freeze&#8221; date.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth certain information regarding the Retirement Plan as of the dates indicated: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:76.400%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.873%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Benefit Obligation:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at beginning of year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">116&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial gain</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annuity payments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at end of year</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">116&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Plan Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at beginning of year</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actual return (loss) on plan assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annuity payments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at end of year</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Funded status (included in &#8220;Other assets&#8221;)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes recognized in other comprehensive income for the year ended December 31:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of actuarial loss</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net actuarial (gain) loss arising during the year</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total recognized in other comprehensive income for the year (pre-tax)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(25)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial loss, net</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accumulated other comprehensive loss (pre-tax)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In 2024 $3&#160;million of unrecognized net actuarial loss for the Retirement Plan will be amortized from AOCL into net periodic benefit cost, respectively. The comparable amount recognized as net actuarial loss for the Retirement Plan in 2023 was $7&#160;million and no prior service cost was amortized in 2022.  The discount rates used to determine the benefit obligation at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022 were 4.7 percent and 4.9 percent, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The discount rate reflects rates at which the benefit obligation could be effectively settled. To determine this rate, the Company considers rates of return on high-quality fixed-income investments that are currently available and are expected to be available during the period until the pension benefits are paid. The expected future payments are discounted based on a portfolio of high-quality rated bonds (AA or better) for which the Company relies on the Financial Times Stock Exchange (&#8220;FTSE&#8221;) Pension Liability Index that is published as of the measurement date.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of net periodic pension (credit) expense were as follows for the years indicated: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.872%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.874%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Components of net periodic pension expense (credit):</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected return on plan assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of net actuarial loss</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net periodic pension credit</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table indicates the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:62.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount rate</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected rate of return on plan assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The primary long-term objective for the Plan is to maintain assets at a level that will sufficiently cover future beneficiary obligations. A secondary long-term objective is to achieve long-term growth in assets. The Plan will be structured to include a volatility reducing component (the fixed income commitment) and a growth component (the equity commitment).</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">To achieve the Companies (in this context, the "Plan Sponsor") long-term investment objectives, the Trustee will invest the assets of the Plan in a diversified combination of asset classes, investment strategies, and pooled vehicles. The asset allocation guidelines in the table below reflect the plan sponsor&#8217;s risk tolerance and long-term objectives for the Plan. These parameters will be reviewed on a regular basis and subject to change following discussions between the plan sponsor and the Trustee.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Initially, the following asset allocation targets and ranges will guide the Trustee in structuring the overall allocation in the Plan&#8217;s investment portfolio. The plan sponsor or the Trustee may amend these allocations to reflect the most appropriate standards consistent with changing circumstances. Any such fundamental amendments in strategy will be discussed between the</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">plan sponsor and the Trustee prior to implementation.</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based on the above considerations, the following asset allocation ranges will be implemented:</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">                      </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:39.250%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.784%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Asset Allocation Parameters by Asset Class</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Equity</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Target</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maximum</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Large-Cap</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Mid-Cap</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Small-Cap</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-U.S.</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total - Equity</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total - Fixed Income/Cash Equivalents</span></div></td><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35%</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45%</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55%</span></td></tr></table></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The parameters for each asset class provide the Trustee with the latitude for managing the Plan within a minimum and maximum range. The Trustee will have full discretion to buy, sell, invest and reinvest in these asset segments based on these guidelines which includes allowing the underlying investments to fluctuate within the stated policy ranges. The Plan will maintain a cash equivalents component (not to exceed 3 percent under normal circumstances) within the fixed income allocation for liquidity purposes.</span></div><div style="text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Trustee will monitor the actual asset segment exposures of the Plan on a regular basis and, periodically, may adjust the asset allocation within the ranges set forth above as it deems appropriate. Periodic reallocation of assets will be based on the Trustee&#8217;s perception of the changing risk/return opportunities of the respective asset classes.</span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information about the fair value measurements of the investments held by the Retirement Plan as of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:37.350%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.911%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.835%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.373%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.279%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large-cap value </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large-cap growth</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large-cap core </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Mid-cap core </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Small-cap core</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (5)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;International growth </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(6)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;International value </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(7)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed Income Funds:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Intermediate - Core Plus</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (8)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity Securities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Company common stock</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common/Collective Trusts-Equity:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large cap value </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(9)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Equivalents:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Money market </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(10)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category consists of a mutual fund holding 100-160 stocks, designed to track and outperform the Russell 1000 Value Index. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category consists of two mutual funds which invest primarily in large-cap U.S. - based growth companies, one concentrating on long-term capital growth, the other in long-term capital appreciation and current income.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category contains stocks of the S&amp;P 500 Index. The stocks are maintained in approximately the same weightings as the index. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category contains stocks of the CRSP U.S. Mid Cap Index, a broadly diversified index of stocks of medium-size U.S. companies. The stocks are maintained.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category seeks long-term capital appreciation through investment primarily in common stock of small-capitalization companies, with similar risk levels and characteristics to the Russell 2000 Index.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed and emerging markets.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category invests primarily in medium to large well-established non-US companies. Under normal circumstances, at least 80 percent of total assets will be invested in equity securities, including common stocks, preferred stocks, and convertible securities.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category currently includes equal investments in four mutual funds, seeking to outperform the Bloomberg Barclays U.S. Aggregate Bond Index. Two of the funds hold at least 80 percent in investment grade fixed-income securities while one other holds at least 65 percent; the fourth fund targets investments of 50 percent or more in mortgage-backed securities guaranteed by the US government and its agencies.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:4.68pt">This category consists of a money market fund and is used for liquidity purposes.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Current Asset Allocation</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The asset allocations for the Retirement Plan were as follows: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:71.462%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.411%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash equivalents</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Determination of Long-Term Rate of Return</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The long-term rate of return on Retirement Plan assets assumption was based on historical returns earned by equities and fixed income securities, and adjusted to reflect expectations of future returns as applied to the Retirement Plan&#8217;s target allocation of asset classes. Equities and fixed income securities were assumed to earn long-term rates of return in the ranges of 6 percent to 8 percent and 3 percent to 5 percent, respectively, with an assumed long-term inflation rate of 2.5 percent reflected within these ranges. When these overall return expectations are applied to the Retirement Plan&#8217;s target allocations, the result is an expected rate of return of 5 percent to 7 percent.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Expected Contributions</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company does not expect to contribute to the Retirement Plan in 2023.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Expected Future Annuity Payments</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following annuity payments, which reflect expected future service, as appropriate, are expected to be paid by the Retirement Plan during the years indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:83.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.398%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029 and thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83&#160;</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Qualified Savings Plan (401(k) Plan)</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company maintains a defined contribution qualified savings plan in the form of a 401(k) plan in which all salaried employees are able to participate after one month of service and having attained age 21. The Company instituted a safe harbor matching contribution program during the year ended December 31, 2020, and accordingly, the Company matches a portion of employee 401(k) plan contributions. Such expense totaled $21&#160;million and $7&#160;million for the year ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, respectively. Flagstar also maintains a defined contribution qualified savings plan in the form of a 401(k) plan in which certain employees are able to participate.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Post-Retirement Health and Welfare Benefits</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company offers certain post-retirement benefits, including medical, dental, and life insurance (the &#8220;Health &amp; Welfare Plan&#8221;) to retired employees, depending on age and years of service at the time of retirement. The costs of such benefits are accrued during the years that an employee renders the necessary service.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Health &amp; Welfare Plan is an unfunded plan and is not expected to hold assets for investment at any time. Any contributions made to the Health &amp; Welfare Plan are used to immediately pay plan premiums and claims as they come due. </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth certain information regarding the Health &amp; Welfare Plan as of the dates indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.689%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.712%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.715%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in benefit obligation:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at beginning of year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial gain</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premiums and claims paid</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at end of year</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in plan assets:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at beginning of year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Employer contribution</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premiums and claims paid</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at end of year</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Funded status (included in &#8220;Other liabilities&#8221;)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes recognized in other comprehensive income for the year ended December 31:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of prior service cost</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of actuarial gain</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net actuarial (gain) loss arising during the year</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total recognized in other comprehensive income for the year (pre-tax)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated other comprehensive (gain) loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior service cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial (gain) loss, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accumulated other comprehensive income (pre-tax)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The discount rates used in the preceding table were 4.6 percent at </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 4.8 percent at December&#160;31, 2022.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated net actuarial loss and the prior service liability that will be amortized from AOCL into net periodic benefit cost in 2024 are less than $1&#160;million, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The net periodic benefit costs and all components thereof for the years-ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> and 2022 were less than $1&#160;million.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.152%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount rate</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3%</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current medical trend rate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ultimate trend rate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year when ultimate trend rate will be reached</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Expected Contributions</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company expects to contribute $1&#160;million to the Health &amp; Welfare Plan to pay premiums and claims in the fiscal year ending </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">. </span></div><div style="margin-top:12pt;text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%">Expected Future Payments for Premiums and Claims</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following amounts are currently expected to be paid for premiums and claims during the years indicated under the Health &amp; Welfare Plan: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:82.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.374%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029 and thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CompensationAndRetirementDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CompensationAndRetirementDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for retirement benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 70<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480794/715-70-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (q)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (l)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//715/tableOfContent<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (o)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (p)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (r)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (r)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480126/715-20-S99-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480266/715-60-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>54
<FILENAME>R29.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619527968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitment and Contingencies<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock', window );">Commitments and Contingencies</a></td>
<td class="text">Commitments and Contingencies<div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Pledged Assets</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company pledges securities to serve as collateral for its repurchase agreements, among other purposes. We had pledged investment securities of $2.8&#160;billion and $434&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively. In addition, the Company had $43.1&#160;billion and $44.5&#160;billion of loans pledged to the FHLB-NY to serve as collateral for its wholesale borrowings at the respective year-ends. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loan Commitments and Letters of Credit</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">In the normal course of business, we have various commitments outstanding which are not included on our Consolidated Statements of Financial Condition. The majority of the outstanding loan commitments were expected to close within 90 days.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s off-balance sheet commitments to originate loans and letters of credit: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:66.632%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.615%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.872%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family and commercial real estate</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family including interest rate locks</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,694&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,066&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,926&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,539&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Warehouse loan commitments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,074&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,042&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loan commitments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,315&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,964&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loan commitments</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,061&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,827&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial, performance stand-by, and financial stand-by letters of credit</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">915&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">541&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total commitments</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,976&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,368&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Financial Guarantees</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company provides guarantees and indemnifications to its customers to enable them to complete a variety of business transactions and to enhance their credit standings. These guarantees are recorded at their respective fair values in &#8220;Other liabilities&#8221; in the Consolidated Statements of Condition. The Company deems the fair value of the guarantees to equal the consideration received.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s guarantees and indemnifications at December&#160;31, 2023:</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:45.391%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.350%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.595%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.963%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expires Within One Year</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expires After One Year</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Outstanding Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maximum Potential Amount of Future Payments</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial stand-by letters of credit</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">639&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Performance stand-by letters of credit</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial letters of credit</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total letters of credit</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">357&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">647&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">915&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The maximum potential amount of future payments represents the notional amounts that could be funded under the guarantees and indemnifications if there were a total default by the guaranteed parties or if indemnification provisions were triggered, as applicable, without consideration of possible recoveries under recourse provisions or from collateral held or pledged.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company collects fees upon the issuance of commercial and stand-by letters of credit. Stand-by letters of credit fees are initially recorded by the Company as a liability and are recognized as income periodically through the respective expiration dates. Fees for commercial letters of credit are collected and recognized as income at the time that they are issued and upon payment of each set of documents presented. In addition, the Company requires adequate collateral, typically in the form of cash, real property, and/or personal guarantees upon its issuance of irrevocable stand-by letters of credit. Commercial letters of credit are primarily secured by the goods being purchased in the underlying transaction and are also personally guaranteed by the owner(s) of the applicant company.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023, the Company had no commitments to purchase securities.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Legal Proceedings</span></div>The Company is involved in various legal actions arising in the ordinary course of its business, including stockholder class and derivative actions. All such actions in the aggregate involve amounts that are believed by management to be immaterial to the financial condition and results of operations of the Company. The outcome of any pending litigation is uncertain. There can be no assurance (i) that we will not incur material losses due to damages, penalties, costs and/or expenses as a result of such litigation, (ii) that the reserves we have established will be sufficient to cover such losses, or (iii) that such losses will not materially exceed such reserves and have a material impact on our financial condition or results of operations. The Company may incur significant legal expenses in defending the litigation described above during the pendency of these matters, and in connection with any other potential cases, including expenses for the potential reimbursement of legal fees of officers and directors under indemnification obligations.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingenciesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for commitments and contingencies.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 440<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482648/440-10-50-4<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 450<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//450/tableOfContent<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 954<br> -SubTopic 440<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480327/954-440-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 440<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482648/440-10-50-4<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 440<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//440/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingenciesDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>55
<FILENAME>R30.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619608512">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company-Only Financial Information<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Condensed Financial Information Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">Parent Company-Only Financial Information</a></td>
<td class="text">Parent Company-Only Financial Information<div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the condensed financial statements for New York Community Bancorp, Inc. (Parent Company only):</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Condensed Statements of Condition </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"><tr><td style="width:1.0%"></td><td style="width:69.479%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.015%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.988%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.018%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ASSETS:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Investments in subsidiaries</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,160&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,633&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,398&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,839&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">LIABILITIES AND STOCKHOLDERS&#8217; EQUITY:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior subordinated debentures</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">579&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">575&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subordinated notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">432&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,031&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,015&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stockholders&#8217; equity</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,367&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,824&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities and stockholders&#8217; equity</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,398&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,839&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Condensed Statements of Income </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.733%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.457%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dividends received from subsidiaries</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">580&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">380&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross income</span></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">582&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">495&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">381&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating expenses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income tax benefit and equity in undistributed<br/>   (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">474&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">440&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">331&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before equity in undistributed (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">499&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">454&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity in undistributed (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(578)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">196&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">251&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">650&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">596&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Condensed Statements of Cash Flows </span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.733%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.457%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM OPERATING ACTIVITIES:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">650&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">596&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in other assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in other liabilities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other, net</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(130)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity in undistributed (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">578&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(196)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(251)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash provided by operating activities</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">356&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM INVESTING ACTIVITIES:</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash acquired in business acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in receivable from subsidiaries, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash (used in) provided by investing activities</span></div></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM FINANCING ACTIVITIES:</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Treasury stock repurchased</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash dividends paid on common and preferred stock</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(350)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(349)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash used in financing activities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(531)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(374)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net increase (decrease) in cash and cash equivalents</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents at beginning of year</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents at end of year</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.5-04(Schedule I))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480922/205-10-S99-6<br><br>Reference 3: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>56
<FILENAME>R31.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619630816">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subsequent Events<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventsAbstract', window );"><strong>Subsequent Events [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventsTextBlock', window );">Subsequent Events</a></td>
<td class="text">Subsequent Events<div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loan Sales</span></div><div><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On February 29, 2024, the Company sold the commercial co-operative loan classified as held for sale at a gain. Additionally, on March 13, 2024 the Company completed a sale of consumer loans with a net book value of  $899&#160;million. These two sales will be recorded in the quarter ended March 31, 2024 and will result in a net gain.</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Equity Capital Raise</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-indent:36pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">On March 7, 2024, we entered into separate investment agreements with affiliates of funds managed by Liberty and certain other investors. The Investors invested an aggregate of approximately $1.05&#160;billion in the Company in exchange for the sale and issuance by the Company of (a) 76,630,965 shares of our common stock, at a purchase price per share of $2.00, (b) 192,062 shares of a new series of our preferred stock, par value  $0.01 per share, designated as Series B Preferred Stock, at a price per share of $2,000, each share of which is convertible into 1,000 shares of common stock (or, in certain limited circumstances, one share of Series C Preferred Stock), (c) 256,307 shares of a new series of our preferred stock, par value $0.01 per share, designated as Series C Preferred Stock, at a price per share of $2,000, each share of which is convertible into 1,000 shares of common stock, and (d) warrants affording the holder thereof the right, until the seven-year anniversary of the issuance of such warrant, to purchase for $2,500 per share, shares of Series D NVCE Stock, each share of Series D NVCE Stock  is convertible into 1,000 shares of common stock (or, in certain limited circumstances, one share of Series C Preferred Stock), and all of which shares of Series D NVCE Stock, upon issuance, will represent the right (on an as converted basis) to receive 315,000,000 shares of common stock. The transaction closed on March 11, 2024.</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubsequentEventsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsequentEventsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubsequentEventsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued. Examples include: the sale of a capital stock issue, purchase of a business, settlement of litigation, catastrophic loss, significant foreign exchange rate changes, loans to insiders or affiliates, and transactions not in the ordinary course of business.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 855<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//855/tableOfContent<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 855<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483399/855-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsequentEventsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>57
<FILENAME>R32.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734626554560">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Pay vs Performance Disclosure - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_PvpTable', window );"><strong>Pay vs Performance Disclosure</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="num">$ (79)<span></span>
</td>
<td class="nump">$ 650<span></span>
</td>
<td class="nump">$ 596<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_PvpTable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 402<br> -Subsection v<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_PvpTable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483581/946-220-45-7<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483499/205-20-50-7<br><br>Reference 35: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 38: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 39: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>58
<FILENAME>R33.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734628039200">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Insider Trading Arrangements<br></strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_TradingArrByIndTable', window );"><strong>Trading Arrangements, by Individual</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_Rule10b51ArrAdoptedFlag', window );">Rule 10b5-1 Arrangement Adopted</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NonRule10b51ArrAdoptedFlag', window );">Non-Rule 10b5-1 Arrangement Adopted</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_Rule10b51ArrTrmntdFlag', window );">Rule 10b5-1 Arrangement Terminated</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ecd_NonRule10b51ArrTrmntdFlag', window );">Non-Rule 10b5-1 Arrangement Terminated</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NonRule10b51ArrAdoptedFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonRule10b51ArrAdoptedFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_NonRule10b51ArrTrmntdFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_NonRule10b51ArrTrmntdFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_Rule10b51ArrAdoptedFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_Rule10b51ArrAdoptedFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_Rule10b51ArrTrmntdFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_Rule10b51ArrTrmntdFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ecd_TradingArrByIndTable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-K<br> -Number 229<br> -Section 408<br> -Subsection a<br> -Paragraph 2<br> -Subparagraph A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ecd_TradingArrByIndTable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ecd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>59
<FILENAME>R34.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734623312080">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Policies)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BasisOfAccountingPolicyPolicyTextBlock', window );">Basis of Presentation</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following is a description of the significant accounting and reporting policies that the Company and its subsidiaries follow in preparing and presenting their consolidated financial statements, which conform to U.S. generally accepted accounting principles and to general practices within the banking industry. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and judgments that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. Estimates are used in connection with the determination of the allowance for credit losses, mortgage servicing rights, the Flagstar acquisition and the Signature Transaction. </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">As a member of the FHLB-NY, the Company is required to hold shares of FHLB-NY stock, which is carried at cost.  In addition, in connection with the Flagstar acquisition, the Company also holds shares of FHLB-Indianapolis stock, which is carried at cost. The Company&#8217;s holding requirement varies based on certain factors, including its outstanding borrowings from the FHLB-NY and FHLB-Indianapolis. </span></div>The Company conducts a periodic review and evaluation of its FHLB-NY stock to determine if any impairment exists. The factors considered in this process include, among others, significant deterioration in FHLB-NY earnings performance, credit rating, or asset quality; significant adverse changes in the regulatory or economic environment; and other factors that could raise significant concerns about the creditworthiness and the ability of the FHLB-NY to continue as a going concern.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">Consolidation</a></td>
<td class="text">The accompanying consolidated financial statements include the accounts of the Company and other entities in which the Company has a controlling financial interest. All inter-company accounts and transactions are eliminated in consolidation. The Company currently has certain unconsolidated subsidiaries in the form of wholly-owned statutory business trusts, which were formed to issue guaranteed capital securities.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">Recently Adopted Accounting Standards</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prior to the adoption of ASU 2022-02, the Company accounted for certain loan modifications and restructurings as TDRs. In general, a modification or restructuring of a loan constituted a TDR if the Company granted a concession to a borrower experiencing financial difficulty.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">Cash and Cash Equivalents and Restricted Cash</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">For cash flow reporting purposes, cash and cash equivalents include cash on hand, amounts due from banks, and money market investments, which include federal funds sold and reverse repurchase agreements, if any. At December&#160;31, 2023 and 2022, the Company&#8217;s cash and cash equivalents totaled $11.5 billion and $2.0 billion, respectively. Included in cash and cash equivalents at those dates were $10.7&#160;billion and $837&#160;million</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">respectively, of interest-bearing deposits in other financial institutions, primarily consisting of balances due from the FRB-NY.   There were no reverse repurchase agreements outstanding as of December&#160;31, 2023 and $793&#160;million of reverse repurchase agreements were outstanding at December&#160;31, 2022. There were no federal funds sold outstanding at December&#160;31, 2023 or December&#160;31, 2022. Restricted cash totaled $134&#160;million and $50&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively and includes cash that the Bank pledges as maintenance margin on centrally cleared derivatives and is included in other assets on the Consolidated Statements of Condition.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentPolicyTextBlock', window );">Debt Securities and Equity Investments with Readily Determinable Fair Values</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The securities portfolio primarily consists of mortgage-related securities and, to a lesser extent, debt and equity securities. Securities that are classified as &#8220;available for sale&#8221; are carried at their estimated fair value, with any unrealized gains or losses, net of taxes, reported as accumulated other comprehensive income or loss in stockholders&#8217; equity. Securities that the Company has the intent and ability to hold to maturity are classified as &#8220;held to maturity&#8221; and carried at amortized cost. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of our securities&#8212;and particularly our fixed-rate securities&#8212;are affected by changes in market interest rates and credit spreads. In general, as interest rates rise and/or credit spreads widen, the fair value of fixed-rate securities will decline. As interest rates fall and/or credit spreads tighten, the fair value of fixed-rate securities will rise. </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates available-for-sale debt securities in unrealized loss positions at least quarterly to determine if an allowance for credit losses is required. Based on an evaluation of available information about past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, the Company has concluded that it expects to receive all contractual cash flows from each security held in its available-for-sale securities portfolio. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company first assesses whether (i) it intends to sell, or (ii) it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. If either of these criteria is met, any previously recognized allowances are charged off and the security&#8217;s amortized cost basis is written down to fair value through income. If neither of the aforementioned criteria are met, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Management has made the accounting policy election to exclude accrued interest receivable on available-for-sale securities from the estimate of credit losses. Available-for-sale debt securities are placed on non-accrual status when the Company no longer expects to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest receivable is reversed against interest income when a security is placed on non-accrual status. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Equity investments with readily determinable fair values are measured at fair value with changes in fair value recognized in net income. </span></div>Premiums and discounts on securities are amortized to expense and accreted to income over the remaining period to contractual maturity using the interest method, and are adjusted for anticipated prepayments. Dividend and interest income are recognized when earned. The cost of securities sold is based on the specific identification method.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy', window );">Loans Held-for-Sale</a></td>
<td class="text">The Company classifies loans as LHFS when we originate or purchase loans that we intend to sell. We have elected the fair value option for the majority of our LHFS. The Company estimates the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral. Changes in fair value are recorded to other noninterest income on the Consolidated Statements of Income and Comprehensive Income. LHFS that are recorded at the lower of cost or fair value may be carried at fair value on a nonrecurring basis when the fair value is less than cost.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy', window );">Loans</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans that are transferred into the LHFS portfolio from the LHFI portfolio, due to a change in intent, are recorded at the lower of cost or fair value. Gains or losses recognized upon the sale of loans are determined using the specific identification method.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loans Held for Investment</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans and leases, net, are carried at unpaid principal balances, including unearned discounts, purchase accounting (i.e., acquisition-date fair value) adjustments, net deferred loan origination costs or fees, and the allowance for credit losses on loans and leases. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company recognizes interest income on loans using the interest method over the life of the loan. Accordingly, the Company defers certain loan origination and commitment fees, and certain loan origination costs, and amortizes the net fee or cost as an adjustment to the loan yield over the term of the related loan. When a loan is sold or repaid, the remaining net unamortized fee or cost is recognized in interest income. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Prepayment income on loans is recorded in interest income and only when cash is received. Accordingly, there are no assumptions involved in the recognition of prepayment income.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Two factors are considered in determining the amount of prepayment income: the prepayment penalty percentage set forth in the loan documents, and the principal balance of the loan at the time of prepayment. The volume of loans prepaying may vary from one period to another, often in connection with actual or perceived changes in the direction of market interest rates. When interest rates are declining, rising precipitously, or perceived to be on the verge of rising, prepayment income may increase as more borrowers opt to refinance and lock in current rates prior to further increases taking place. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A loan generally is classified as a &#8220;non-accrual&#8221; loan when it is 90 days or more past due or when it is deemed to be impaired because the Company no longer expects to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, management ceases the accrual of interest owed, and previously accrued interest is charged against interest income. A loan is generally returned to accrual status when the loan is current and management has reasonable assurance that the loan will be fully collectible. Interest income on non-accrual loans is recorded when received in cash. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline">Loans with Government Guarantees</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company originates government guaranteed loans which are pooled and sold as Ginnie Mae MBS. Pursuant to Ginnie Mae servicing guidelines, the Company has the unilateral right to repurchase loans securitized in Ginnie Mae pools that are due, but unpaid, for three consecutive months. As a result, once the delinquency criteria have been met, and regardless of whether the repurchase option has been exercised, the Company accounts for the loans as if they had been repurchased. The Company recognizes the loans and corresponding liability as loans with government guarantees and loans with government guarantees repurchase options, respectively, in the Consolidated Statements of Condition. If the loan is repurchased, the liability is cash settled and the loan with government guarantee remains. Once repurchased, the Company works to cure the outstanding loans such that they are re-eligible for sale or may begin foreclosure and recover losses through a claims process with the government agency, as an approved lender.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock', window );">Allowance for Credit Losses on Loans and Leases</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses on loans and leases is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount the Company expects to collect. Amortized cost is the unpaid loan balance, net of deferred fees and expenses, and includes negative escrow. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense. Management estimates the allowance by projecting and multiplying together the probability-of-default, loss- given-default and exposure-at-default depending on economic parameters for each month of the remaining contractual term, as well as credit ratings for certain loans within the commercial and industrial portfolio. The Company loss drivers for certain loans in the commercial and industrial portfolio are derived using leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast. The Company estimates the exposure-at-default using prepayment models which forecasts prepayments over the life of the loans and leases. The economic forecast and the related economic parameters are developed using available information relating to past events, current conditions, multiple economic forecasts scenarios, including related weightings, over the reasonable and supportable forecast period and macroeconomic assumptions. The economic forecast scenarios and related economic parameters are sourced from independent third parties. The economic forecast reasonable and supportable period is 24 months, and afterwards the Company reverts to a historical average loss rate on a straight-line basis over a 12-month period. Historical credit loss experience over the historical loss observation period provides the basis for the estimation of expected credit losses, with qualitative factor adjustments made </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, current collateral valuations, delinquency levels and terms, as well as for changes in environmental conditions, such as changes in legislation, regulation, policies, administrative practices or other relevant factors. Expected credit losses are estimated over the contractual term of the loans, adjusted for forecasted prepayments when appropriate. The contractual term excludes potential extensions or renewals. The methodology used in the estimation of the allowance for credit losses on loan and leases, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality and forecasted economic conditions. Each quarter the Company reassesses the appropriateness of the economic forecasting period, the reversion period and historical mean at the portfolio segment level, considering any required adjustments for differences in underwriting standards, portfolio mix, and other relevant data shifts over time.</span></div><div><span><br/></span></div><div style="text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The allowance for credit losses on loans and leases is measured on a collective (pool) basis when similar risk characteristics exist. The portfolio segment represents the level at which a systematic methodology is applied to estimate credit losses. Management believes the products within each of the entity&#8217;s portfolio segments exhibit similar risk characteristics. The Company leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Loans that do not share risk characteristics are evaluated on an individual basis. These include loans that are in nonaccrual status with balances above management determined materiality thresholds depending on loan class and also loans that are designated as TDR or &#8220;reasonably expected TDR&#8221; (criticized, classified, or maturing loans that will have a modification processed within the next three months).  If a loan is determined to be collateral dependent, or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company maintains an allowance for credit losses on off-balance sheet credit exposures. At December&#160;31, 2023 and December&#160;31, 2022, the allowance for credit losses on off-balance sheet exposures was $52&#160;million and $23&#160;million, respectively. The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit losses expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated life. The Company examined historical CCF trends to estimate utilization rates, and chose an appropriate mean CCF based on both management judgment and quantitative analysis. Quantitative analysis involved examination of CCFs over a range of fund-up windows (between 12 and 36 months) and comparison of the mean CCF for each fund-up window with management judgment determining whether the highest mean CCF across fund-up windows made business sense. The Company applies the same standards and estimated loss rates to the credit exposures as to the related class of loans.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">When applying this critical accounting estimate, we incorporate several inputs and judgments that may be influenced by changes period to period. These include, but are not limited to changes in the economic environment and forecasts, changes in the credit profile and characteristics of the loan portfolio, and changes in prepayment assumptions which will result in provisions to or recoveries from the balance of the allowance for credit losses.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">While changes to the economic environment forecasts and portfolio characteristics will change from period to period, portfolio prepayments are an integral assumption in estimating the allowance for credit losses on our commercial real estate (multi-family, CRE and ADC) portfolio which comprises 60 percent of the loan portfolio at December&#160;31, 2023. Portfolio prepayments are subject to estimation uncertainty and changes in this assumption could have a material impact to our estimation process. Prepayment assumptions are sensitive to interest rates and existing loan terms and determine the weighted average life of the commercial mortgage loan portfolio. Excluding other factors, as the weighted average life of the portfolio increases or decreases, so will the required amount of the allowance for credit losses on commercial real estate.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy', window );">Goodwill</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company evaluates goodwill for impairment at least annually or when triggering events are identified. We utilize a market approach to determine the fair value of our single reporting unit, which considers how a market participant would view a control premium, complemented by an income approach if deemed necessary. The resulting value is then compared to our book value and any shortfalls would be recorded as an impairment.</span></div>As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price, control premium for completed bank acquisitions, and an adjustment for Company-specific risk considerations based on subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of any shortfall which was calculated to be in excess of the goodwill balance. The Company&#8217;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023, as confirmed by the Company&#8217;s current market capitalization.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy', window );">Mortgage Servicing Rights</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company purchases and originates mortgage loans for sale to the secondary market and sell the loans on either a servicing-retained or servicing-released basis. If the Company retains the right to service the loan, an MSR is created at the time of sale which is recorded at fair value. The Company uses an internal valuation model that utilizes an option-adjusted spread, constant prepayment speeds, costs to service and other assumptions to determine the fair value of MSRs.</span></div>Management obtains third-party valuations of the MSR portfolio on a quarterly basis from independent valuation services to assess the reasonableness of the fair value calculated by our internal valuation model. Changes in the fair value of our MSRs are reported on the Consolidated Statements of Income and Comprehensive Income in net return on mortgage servicing.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">Premises and Equipment, Net</a></td>
<td class="text">Premises, furniture, fixtures, and equipment are carried at cost, less the accumulated depreciation computed on a straight-line basis over the estimated useful lives of the respective assets (generally 20 years for premises and <span style="-sec-ix-hidden:f-618">three</span> to ten years for furniture, fixtures, and equipment). Leasehold improvements are carried at cost less the accumulated amortization computed on a straight-line basis over the shorter of the related lease term or the estimated useful life of the improvement.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ConsolidationVariableInterestEntityPolicy', window );">Variable Interest Entities</a></td>
<td class="text">An entity that has a controlling financial interest in a VIE is referred to as the primary beneficiary and consolidates the VIE. An entity is deemed to have a controlling financial interest and is the primary beneficiary of a VIE if it has both the power to direct the activities of the VIE that most significantly impact the VIE&#8217;s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy', window );">Repossessed Assets</a></td>
<td class="text">Repossessed assets consist of any property or other assets acquired through, or in lieu of, foreclosure are sold or rented, and are recorded at fair value, less the estimated selling costs, at the date of acquisition. Following foreclosure, management periodically performs a valuation of the asset, and the assets are carried at the lower of the carrying amount or fair value, less the estimated selling costs. Expenses and revenues from operations and changes in valuation, if any, are included in &#8220;General and administrative expense&#8221; in the Consolidated Statements of Income and Comprehensive Income.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RealEstateOwnedValuationAllowancePolicy', window );">OREO</a></td>
<td class="text">Repossessed assets consist of any property or other assets acquired through, or in lieu of, foreclosure are sold or rented, and are recorded at fair value, less the estimated selling costs, at the date of acquisition. Following foreclosure, management periodically performs a valuation of the asset, and the assets are carried at the lower of the carrying amount or fair value, less the estimated selling costs. Expenses and revenues from operations and changes in valuation, if any, are included in &#8220;General and administrative expense&#8221; in the Consolidated Statements of Income and Comprehensive Income.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy', window );">Servicing Fee Income</a></td>
<td class="text"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Servicing fee income, late fees and ancillary fees received on loans for which the Company owns the MSR are included in net return on mortgage servicing rights on the Consolidated Statements of Income and Comprehensive Income. The fees are based on the outstanding principal and are recorded as income when earned. Subservicing fees, which are included in loan administration income on the Consolidated Statements of Income and Comprehensive Income, are based on a contractual monthly amount per loan including late fees and other ancillary income.</span><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">Income Taxes</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Income tax expense consists of income taxes that are currently payable and deferred income taxes. Deferred income tax expense is determined by recognizing deferred tax assets and liabilities for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates that are expected to apply to taxable income in years in which those temporary differences are expected to be recovered or settled. The Company assesses the deferred tax assets and establishes a valuation allowance when realization of a deferred asset is not considered to be &#8220;more likely than not.&#8221; The Company considers its expectation of future taxable income in evaluating the need for a valuation allowance. </span></div>The Company estimates income taxes payable based on the amount it expects to owe the various tax authorities (i.e., federal, state, and local). Income taxes represent the net estimated amount due to, or to be received from, such tax authorities. In estimating income taxes, management assesses the relative merits and risks of the appropriate tax treatment of transactions, taking into account statutory, judicial, and regulatory guidance in the context of the Company&#8217;s tax position. In this process, management also relies on tax opinions, recent audits, and historical experience. Although the Company uses the best available information to record income taxes, underlying estimates and assumptions can change over time as a result of unanticipated events or circumstances such as changes in tax laws and judicial guidance influencing its overall tax position.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativesPolicyTextBlock', window );">Derivative Instruments and Hedging Activities</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.  </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company utilizes derivative instruments to manage the fair value changes in our MSRs, interest rate lock commitments and LHFS portfolio which are exposed to price and interest rate risk; facilitate asset/liability management; minimize the variability of future cash flows on long-term debt; and to meet the needs of our customers. All derivatives are recognized on the Consolidated Statements of Condition as other assets and liabilities, as applicable, at their estimated fair value.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses interest rate swaps, swaptions, futures and forward loan sale commitments to mitigate the impact of fluctuations in interest rates and interest rate volatility on the fair value of the MSRs. Changes in their fair value are reflected in current period earnings under the net return on mortgage servicing asset. These derivatives are valued based on quoted prices for similar assets in an active market with inputs that are observable.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company also enters into various derivative agreements with customers and correspondents in the form of interest rate lock commitments and forward purchase contracts which are commitments to originate or purchase mortgage loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The derivatives are valued using internal models that utilize market interest rates and other unobservable inputs. Changes in the fair value of these commitments due to fluctuations in interest rates are economically hedged through the use of forward loan sale commitments of MBS. The gains and losses arising from this derivative activity are reflected in current period earnings under the net gain on loan sales. </span></div>To assist customers in meeting their needs to manage interest rate risk, the Company enters into interest rate swap derivative contracts. To economically hedge this risk, the Company enters into offsetting derivative contracts to effectively eliminate the interest rate risk associated with these contracts.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies', window );">Representation and Warranty Reserve</a></td>
<td class="text">When the Company sells mortgage loans into the secondary mortgage market, it makes customary representations and warranties to the purchasers about various characteristics of each loan. Upon the sale of a loan, the Company recognizes a liability for that guarantee at its fair value as a reduction of our net gain on loan sales. Subsequent to the sale, the liability is re-measured at fair value on an ongoing basis based upon an estimate of probable future losses.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">Stock-based Compensation</a></td>
<td class="text"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Under the New York Community Bancorp, Inc. 2020 Omnibus Incentive Plan (the &#8220;2020 Incentive Plan&#8221;), which was approved by the Company&#8217;s shareholders at its Annual Meeting on June 3, 2020, shares are available for grant as restricted stock or other forms of related rights. At December&#160;31, 2023, the Company had </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">16,143,893</span> shares available for grant under the 2020 Incentive Plan. Compensation cost related to restricted stock grants is recognized on a straight-line basis over the vesting period.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerSharePolicyTextBlock', window );">Earnings per Common Share (Basic and Diluted)</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Basic EPS is computed by dividing the net income available to common shareholders by the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the same method as basic EPS, however, the computation reflects the potential dilution that would occur if outstanding in-the-money stock options were exercised and converted into common stock. </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Unvested stock-based compensation awards containing non-forfeitable rights to dividends paid on the Company&#8217;s common stock are considered participating securities, and therefore are included in the two-class method for calculating EPS. Under the two-class method, all earnings (distributed and undistributed) are allocated to common shares and participating securities based on their respective rights to receive dividends on the common stock. The Company grants restricted stock to certain employees under its stock-based compensation plan. Recipients receive cash dividends during the vesting periods of </span></div>these awards, including on the unvested portion of such awards. Since these dividends are non-forfeitable, the unvested awards are considered participating securities and therefore have earnings allocated to them.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeLeasesPolicyTextBlock', window );">Lessee Arrangements</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company has operating leases for corporate offices, branch locations, and certain equipment. These leases generally have terms of 20 years or less, determined based on the contractual maturity of the lease, and include periods covered by options to extend or terminate the lease when the Company is reasonably certain that it will exercise those options. For the vast majority of the Company&#8217;s leases, we are not reasonably certain we will exercise our options to renew to the end of all renewal option periods. The Company determines if an arrangement is a lease at inception. Operating leases are included in other assets and other liabilities in the Consolidated Statements of Condition.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">ROU assets represent the Company&#8217;s right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As the vast majority of the leases do not provide an implicit rate, the incremental borrowing rate (FHLB borrowing rate) is used based on the information available at commencement date in determining the present value of lease payments. The implicit rate is used when readily determinable. The operating lease ROU asset is measured at cost, which includes the initial measurement of the lease liability, prepaid rent and initial direct costs incurred by the Company, less incentives received.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Variable costs such as the proportionate share of actual costs for utilities, common area maintenance, property taxes and insurance are not included in the lease liability and are recognized in the period in which they are incurred.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LessorLeasesPolicyTextBlock', window );">Lessor Arrangements</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company is a lessor in the equipment finance business where it has executed direct financing leases (&#8220;lease finance receivables&#8221;). The Company produces lease finance receivables through a specialty finance subsidiary that participates in syndicated loans that are brought to them, and equipment loans and leases that are assigned to them, by a select group of </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">nationally recognized sources, and are generally made to large corporate obligors, many of which are publicly traded, carry investment grade or near-investment grade ratings, and participate in stable industries nationwide. Lease finance receivables are carried at the aggregate of lease payments receivable plus the estimated residual value of the leased assets and any initial direct costs incurred to originate these leases, less unearned income, which is accreted to interest income over the lease term using the interest method.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The standard leases are typically repayable on a level monthly basis with terms ranging from 24 to 120 months. At the end of the lease term, the lessee usually has the option to return the equipment, to renew the lease or purchase the equipment at the then fair market value (&#8220;FMV&#8221;) price. For leases with a FMV renewal/purchase option, the relevant residual value assumptions are based on the estimated value of the leased asset at the end of the lease term, including evaluation of key factors, such as, the estimated remaining useful life of the leased asset, its historical secondary market value including history of the lessee executing the FMV option, overall credit evaluation and return provisions. The Company acquires the leased asset at fair market value and provides funding to the respective lessee at acquisition cost, less any volume or trade discounts, as applicable. Therefore, there is generally no selling profit or loss to recognize or defer at inception of a lease.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div>The residual value component of a lease financing receivable represents the estimated fair value of the leased equipment at the end of the lease term. In establishing residual value estimates, the Company may rely on industry data, historical experience, and independent appraisals and, where appropriate, information regarding product life cycle, product upgrades and competing products. Upon expiration of a lease, residual assets are remarketed, resulting in either an extension of the lease by the lessee, a lease to a new customer or purchase of the residual asset by the lessee or another party. Impairment of residual values arises if the expected fair value is less than the carrying amount. The Company assesses its net investment in lease financing receivables (including residual values) for impairment on an annual basis with any impairment losses recognized in accordance with the impairment guidance for financial instruments. As such, net investment in lease financing receivables may be reduced by an allowance for credit losses with changes recognized as provision expense. On certain lease financings, the Company obtains residual value insurance from third parties to manage and reduce the risk associated with the residual value of the leased assets.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetRetirementObligationsPolicy', window );">Asset Retirement Obligation</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company&#8217;s pension benefit obligations and post-retirement health and welfare benefit obligations, and the related costs, are calculated using actuarial concepts in accordance with GAAP. The measurement of such obligations and expenses requires that certain assumptions be made regarding several factors, most notably including the discount rate and the expected rate of return on plan assets. The Company evaluates these assumptions on an annual basis. Other factors considered by the Company in its evaluation include retirement patterns and mortality rates. </span></div>Under GAAP, actuarial gains and losses, prior service costs or credits, and any remaining transition assets or obligations that have not been recognized under previous accounting standards must be recognized in AOCL until they are amortized as a component of net periodic benefit cost.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BankOwnedLifeInsurancePolicyTextBlock', window );">Bank-Owned Life Insurance</a></td>
<td class="text">The Company has purchased life insurance policies on certain employees. These BOLI policies are recorded in the Consolidated Statements of Condition at their cash surrender value. Income from these policies and changes in the cash surrender value are recorded in &#8220;Non-interest income&#8221; in the Consolidated Statements of Income and Comprehensive Income.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationsPolicy', window );">Business Combinations Policy</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, reflecting assumptions that a market participant would use when pricing an asset or liability. In some cases, the estimation of fair values requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and are subject to change. Described below are the methods used to determine the fair values of the significant assets acquired and liabilities assumed in the Signature Transaction.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of cash and cash equivalents approximates their stated face amounts, as these financial instruments are either due on demand or have short-term maturities.</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans and leases</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value for loans was based on a discounted cash flow methodology that considered credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions were the key factors driving credit losses which were embedded into the estimated cash flows. These assumptions were informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate was determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">discount rates do not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. Acquired loans were marked to fair value and adjusted for any PCD gross up as of the date of the Signature Transaction.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Deposit Liabilities</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair value of deposit liabilities with no stated maturity (i.e., non-interest-bearing and interest-bearing checking accounts) is equal to the carrying amounts payable on demand. The fair value of certificates of deposit represents contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Core Deposit Intangible</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Core deposit intangible (&#8220;CDI&#8221;) is a measure of the value of non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts that are acquired in a business combination. The fair value of the CDI was determined using a discounted cashflow methodology which considered discount rate, customer attrition rates, and other relevant market assumptions. This method estimated the fair value by discounting the present value of the expected cost savings attributable to the core deposit funding, relative to an alternative source of funding. The CDI relating to the Signature Transaction will be amortized over an estimated useful life of 10 years using the sum of years digits depreciation method. The Company evaluates such identifiable intangibles for impairment when an indication of impairment exists. CDI does not significantly impact our liquidity or capital ratios.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">PCD loans</span></div>Purchased loans that reflect a more than insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the allowance for credit losses (&#8220;ACL&#8221;) on the date of acquisition using the same methodology as other loans and leases held-for-investment<div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The methods and significant assumptions used to estimate fair values for the Company&#8217;s financial instruments follow: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Cash and Cash Equivalents </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Cash and cash equivalents include cash and due from banks and federal funds sold. The estimated fair values of cash and cash equivalents are assumed to equal their carrying values, as these financial instruments are either due on demand or have short-term maturities. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Securities </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, pricing models also incorporate transaction details such as maturities and cash flow assumptions. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Federal Home Loan Bank Stock </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Ownership in equity securities of the FHLB is generally restricted and there is no established liquid market for their resale. The carrying amount approximates the fair value. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Loans and leases</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company discloses the fair value of loans measured at amortized cost using an exit price notion. The Company determined the fair value on substantially all of its loans for disclosure purposes, on an individual loan basis. The discount rates reflect current market rates for loans with similar terms to borrowers having similar credit quality on an exit price basis. For those loans where a discounted cash flow technique was not considered reliable, the Company used a quoted market price for each individual loan. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">MSRs</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant unobservable inputs used in the fair value measurement of the MSRs are option adjusted spreads, prepayment rates and cost to service. Significant increases (decreases) in all three assumptions in isolation result in a significantly lower (higher) fair value measurement. Weighted average life (in years) is used to determine the change in fair value of MSRs. For December&#160;31, 2023, the weighted average life (in years) for the entire  portfolio was 6.83.</span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Rate lock commitments</span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The significant unobservable input used in the fair value measurement of the rate lock commitments is the pull through rate. The pull through rate is a statistical analysis of our actual rate lock fallout history to determine the sensitivity of the residential mortgage loan pipeline compared to interest rate changes and other deterministic values. New market prices are applied based on updated loan characteristics and new fallout ratios (i.e. the inverse of the pull through rate) are applied accordingly. Significant increases (decreases) in the pull through rate in isolation result in a significantly higher (lower) fair value measurement.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Deposits </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The fair values of deposit liabilities with no stated maturity (i.e., interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts) are equal to the carrying amounts payable on demand. The fair values of CDs represent contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities. These estimated fair values do not include the intangible value of core deposit relationships, which comprise a portion of the Company&#8217;s deposit base. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Borrowed Funds </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated fair value of borrowed funds is based either on bid quotations received from securities dealers or the discounted value of contractual cash flows with interest rates currently in effect for borrowed funds with similar maturities and structures.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%">Off-Balance Sheet Financial Instruments</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"> </span></div>The fair values of commitments to extend credit and unadvanced lines of credit are estimated based on an analysis of the interest rates and fees currently charged to enter into similar transactions, considering the remaining terms of the commitments and the creditworthiness of the potential borrowers. The estimated fair values of such off-balance sheet financial instruments were insignificant at December&#160;31, 2023 and December&#160;31, 2022.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementPolicyPolicyTextBlock', window );">Representation and Warranty Reserve</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company reviews and updates the fair value hierarchy classifications for its assets on a quarterly basis. Changes from one quarter to the next that are related to the observability of inputs for a fair value measurement may result in a reclassification from one hierarchy level to another. </span></div><div><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A description of the methods and significant assumptions utilized in estimating the fair values of securities follows: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government securities and exchange-traded securities. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, models incorporate transaction details such as maturity and cash flow assumptions. Securities valued in this manner would generally be classified within Level 2 of the valuation hierarchy, and primarily include such instruments as mortgage-related and corporate debt securities. </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Periodically, the Company uses fair values supplied by independent pricing services to corroborate the fair values derived from the pricing models. In addition, the Company reviews the fair values supplied by independent pricing services, as well as their underlying pricing methodologies, for reasonableness. The Company challenges pricing service valuations that appear to be unusual or unexpected. </span></div>While the Company believes its valuation methods are appropriate, and consistent with those of other market participants, the use of different methodologies or assumptions to determine the fair values of certain financial instruments could result in different estimates of fair values at a reporting date.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BankOwnedLifeInsurancePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Bank-Owned Life Insurance</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BankOwnedLifeInsurancePolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetRetirementObligationsPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for legal obligation associated with retirement of long-lived asset that results from acquisition, construction, or development or from normal operation of long-lived asset. Excludes environmental remediation liability from improper or other-than-normal operation of long-lived asset, obligation arising in connection with leased property that meets definition of lease payments or variable lease payments and from plan to sell or otherwise dispose of a long-lived asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 410<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//410-20/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetRetirementObligationsPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BasisOfAccountingPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for basis of accounting, or basis of presentation, used to prepare the financial statements (for example, US Generally Accepted Accounting Principles, Other Comprehensive Basis of Accounting, IFRS).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BasisOfAccountingPolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationsPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for completed business combinations (purchase method, acquisition method or combination of entities under common control). This accounting policy may include a general discussion of the purchase method or acquisition method of accounting (including for example, the treatment accorded contingent consideration, the identification of assets and liabilities, the purchase price allocation process, how the fair values of acquired assets and liabilities are determined) and the entity's specific application thereof. An entity that acquires another entity in a leveraged buyout transaction generally discloses the accounting policy followed by the acquiring entity in determining the basis used to value its interest in the acquired entity, and the rationale for that accounting policy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 05<br> -Paragraph 4<br> -Subparagraph (a)-(d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479515/805-10-05-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationsPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConsolidationPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting. The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483426/235-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConsolidationPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConsolidationVariableInterestEntityPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for consolidation to describe the significant judgments and assumptions made in determining whether a variable interest held by the entity requires the variable interest entity to be consolidated and (or) disclose information about its involvement with the variable interest entity; the methodology used by the entity for determining whether or not it is the primary beneficiary of the variable interest entity; and the significant factors considered and judgments made in determining that the power to direct the activities that significantly impact the economic performance of the variable interest entity are shared (as defined).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-5A<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2AA<br> -Subparagraph a<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-2AA<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConsolidationVariableInterestEntityPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditLossFinancialInstrumentPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for credit loss on financial instrument measured at amortized cost basis, net investment in lease, off-balance sheet credit exposure, and available-for-sale debt security. Includes, but is not limited to, methodology used to estimate allowance for credit loss, how writeoff of uncollectible amount is recognized, and determination of past due status and nonaccrual status.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-14<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 30<br> -Paragraph 5A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479391/326-20-30-5A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3C<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 8A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479366/326-20-35-8A<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3D<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3D<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-5<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 30<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479175/326-30-30-1B<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-3C<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-3A<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3D<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-3D<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 13A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479148/326-30-35-13A<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 30<br> -Paragraph 4A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479391/326-20-30-4A<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 7A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479148/326-30-35-7A<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 21<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-21<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-11<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-7<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-17<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.M.Q4)<br> -SubTopic 20<br> -Topic 326<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483530/326-20-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditLossFinancialInstrumentPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for its derivative instruments and hedging activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 815<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(n))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1A<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativesPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerSharePolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 260<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerSharePolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueMeasurementPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for fair value measurements of financial and non-financial assets, liabilities and instruments classified in shareholders' equity. Disclosures include, but are not limited to, how an entity that manages a group of financial assets and liabilities on the basis of its net exposure measures the fair value of those assets and liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementPolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for financing receivable classified as held-for-investment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 310<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481569/310-20-50-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-15<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -SubTopic 10<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for financing receivables classified as held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -SubTopic 20<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481569/310-20-50-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -SubTopic 10<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for goodwill. This accounting policy also may address how an entity assesses and measures impairment of goodwill, how reporting units are determined, how goodwill is allocated to such units, and how the fair values of the reporting units are determined.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482548/350-20-55-24<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//350-20/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for guarantees, indemnifications and product warranties, and methodologies used in determining the amount of such liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 460<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//460/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(h)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 17<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-17<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-9<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482525/740-10-45-25<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482525/740-10-45-28<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-19<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-20<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for investment in financial asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(3)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(f)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(f)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(f)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 12<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-12<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 19<br> -Subparagraph (2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-19<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeLeasesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for leasing arrangement entered into by lessee.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeLeasesPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LessorLeasesPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for leasing arrangements entered into by lessor.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3A<br> -Subparagraph (a)<br> -SubTopic 30<br> -Topic 842<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-3A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3A<br> -Subparagraph (b)<br> -SubTopic 30<br> -Topic 842<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-3A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -SubTopic 30<br> -Topic 842<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-14<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LessorLeasesPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for the lending, securitization, sales, transfers and servicing practices for mortgage banking activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 948<br> -SubTopic 310<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481820/948-310-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for method for recognizing interest income and amortizing deferred fee or cost of financing receivable. Includes, but is not limited to, treatment of fee, cost, premium and discount.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for real estate acquired through foreclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//310-10/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 360<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482099/360-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(8)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -SubTopic 360<br> -Topic 958<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480321/958-360-50-6<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -SubTopic 360<br> -Topic 958<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480321/958-360-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RealEstateOwnedValuationAllowancePolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for establishing and maintaining the valuation allowance related to real estate owned.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RealEstateOwnedValuationAllowancePolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for award under share-based payment arrangement. Includes, but is not limited to, methodology and assumption used in measuring cost.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(v)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 14.C.Q3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479830/718-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 14.D.1.Q5)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479830/718-10-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 14.D.3.Q2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479830/718-10-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 14.D.2.Q6)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479830/718-10-S99-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -Name Accounting Standards Codification<br> -Publisher FASB<br> -URI https://asc.fasb.org//718/tableOfContent<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>60
<FILENAME>R35.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619527968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Description of Business, Organization and Basis of Presentation (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>Organization, Consolidation and Presentation of Financial Statements [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock', window );">Schedule of Adoption of New Accounting Standards</a></td>
<td class="text"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Adoption of New Accounting Standards</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:20.976%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:28.870%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:46.854%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Standard</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Description</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%">Effective Date</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2022-02 eliminates prior accounting guidance for TDRs, while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. The standard also requires that an entity disclose current-period gross charge-offs by year of origination for financing receivables and net investments in leases. <br/></span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">The Company adopted ASU 2022-02 effective January 1, 2023 using a modified retrospective transition approach for the amendments related to the recognition and measurement of TDRs. The impact of the adoption resulted in an immaterial change to the allowance for credit losses ("ACL"), thus no adjustment to retained earnings was recorded. Disclosures have been updated to reflect information on loan modifications given to borrowers experiencing financial difficulty as presented in Note 6. TDR disclosures are presented for comparative periods only and are not required to be updated in current periods. Additionally, the current year vintage disclosure included in Note 6 has been updated to reflect gross charge-offs by year of origination for the three months ended September 30, 2023.</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2023-02 Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method Issued: March 2023</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">ASU 2023-02 permits reporting entities to elect to account for their tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met.</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">The Company adopted ASU 2023-02 effective January 1, 2023 and it did not have a significant impact on the Company's consolidated financial statements.</span></div></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of changes in accounting principles, including adoption of new accounting pronouncements, that describes the new methods, amount and effects on financial statement line items.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 250<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 270<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482989/270-10-45-12<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 270<br> -SubTopic 10<br> -Section 45<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482989/270-10-45-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>61
<FILENAME>R36.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624208112">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Computation of Basic and Diluted Earnings Per Share of Common Stock</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the Company&#8217;s computation of basic and diluted earnings per common share: </span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:68.344%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.695%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.695%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.698%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except share and per share amounts)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income available to common stockholders</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(112)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">617&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">563&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: Dividends paid on and earnings allocated to participating securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) earnings applicable to common stock</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">556&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">713,643,550</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483,603,395</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">463,865,661</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) basic earnings per common share</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.16)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Loss) earnings applicable to common stock</span></div></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(117)</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">556&#160;</span></td><td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">713,643,550</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">483,603,395</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">463,865,661</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Potential dilutive common shares</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,530,950</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">767,058</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total shares for diluted (loss) earnings per common share computation</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">713,643,550&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">485,134,345&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">464,632,719&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted (loss) earnings per common share and common share equivalents</span></div></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(0.16)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.26&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.20&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Schedule of Premises and Equipment and Estimated Useful Lives</a></td>
<td class="text">The estimated useful lives for the principal classes of assets are as follows:<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.918%"><tr><td style="width:1.0%"></td><td style="width:74.334%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.792%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:22.474%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premises and Equipment</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Useful Lives</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Buildings</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Furniture, fixtures and equipment, and building improvements</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13.5</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leasehold improvements</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ATMs</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7</span></td></tr></table><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountingPoliciesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 360<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482099/360-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>62
<FILENAME>R37.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619563936">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract', window );"><strong>Business Combination and Asset Acquisition [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock', window );">Summary of Net Assets Acquired</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">A summary of the preliminary net assets acquired and related estimated fair value adjustments resulting in the bargain purchase gain is as follows:</span></div><div style="text-indent:27pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.645%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">March 20, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(preliminary)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net assets acquired before fair value adjustments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,973&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Fair value adjustments:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Loans</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(727)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Core deposit and other intangibles</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">464&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Certificates of deposit </span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;Other net assets and liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;&#160;&#160;FDIC Equity Appreciation Instrument</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(85)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred tax liability</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(690)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain on Signature Transaction, as initially reported</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,001&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Measurement period adjustments, excluding taxes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in deferred tax liability</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain on Signature Transaction, as adjusted</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,131&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div>The Company and the FDIC are engaged in ongoing discussions and settlement payments have been made that have impacted certain assets acquired or certain liabilities assumed by the Company on March 20, 2023 and are included as measurement period adjustments in the table below. <div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:54.601%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.253%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Preliminary as Initially Reported</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Measurement Period Adjustments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Preliminary as Adjusted</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchase Price consideration</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of assets acquired:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash &amp; cash equivalents</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,043&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(142)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,901&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">232&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for investment:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,102&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(214)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,888&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,942&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(262)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,680&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consumer and other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">173&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans held for investment</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,218&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(477)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,741&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CDI and other intangible assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">464&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">464&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">679&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(169)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">510&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets acquired</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,636&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(788)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,848&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of liabilities assumed:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,568&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(61)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,507&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,982&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(857)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,125&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities assumed</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,550&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(918)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35,632&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of net identifiable assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,086&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,216&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,001&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">130&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,131&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides an allocation of consideration paid for the fair value of assets acquired and liabilities and equity assumed from Flagstar as of December 1, 2022.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:88.155%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.645%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 1, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Purchase Price consideration</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,010&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of assets acquired:</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash &amp; cash equivalents</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">331&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,695&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,257&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for investment:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,438&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,891&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,523&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consumer and other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,156&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans held for investment</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,008&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CDI and other intangible assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">292&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,012&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,158&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets acquired</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,753&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair value of liabilities assumed:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,995&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowings</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,700&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">889&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities assumed</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23,584&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of net identifiable assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,169&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Bargain purchase gain</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock', window );">Summary of Loans and Leases Purchased as Part of Acquisition</a></td>
<td class="text">The following table provides a summary of loans and leases purchased as part of the Signature Transaction with credit deterioration and the associated credit loss reserve at acquisition: <div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:83.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.017%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Par value (UPB)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">583&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ACL at acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-credit (discount)</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">494&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div>The following table provides a summary of loans and leases purchased as part of the Flagstar acquisition with credit deterioration and the associated credit loss reserve at acquisition:<div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:83.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.017%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Par value (UPB)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,950&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ACL at acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-credit (discount)</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,866&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionProFormaInformationTextBlock', window );">Summary of Pro Forma Information</a></td>
<td class="text"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:68.086%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.016%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.017%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(unaudited)</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net interest income</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,278&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,208&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-interest income</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">650&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">804&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,207&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income available to common stockholders</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">771&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,174&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Purchased With Credit Deterioration</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionProFormaInformationTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of pro forma results of operations for a material business acquisition or series of individually immaterial business acquisitions that are material in the aggregate.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -SubTopic 10<br> -Topic 805<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479328/805-10-50-2<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(3)<br> -SubTopic 10<br> -Topic 805<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479328/805-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionProFormaInformationTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationAndAssetAcquisitionAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationAndAssetAcquisitionAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the amounts recognized as of the acquisition date for each major class of assets acquired and liabilities assumed. May include but not limited to the following: (a) acquired receivables; (b) contingencies recognized at the acquisition date; and (c) the fair value of noncontrolling interests in the acquiree.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 805<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Paragraph 1<br> -Section 50<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>63
<FILENAME>R38.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619479072">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated Other Comprehensive Income (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock', window );">Reclassification out of Accumulated Other Comprehensive Income</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the components in accumulated other comprehensive income:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:34.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.783%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:42.907%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Details about Accumulated Other Comprehensive Loss</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount Reclassified out of Accumulated Other Comprehensive Loss</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Affected Line Item in the Consolidated Statements of Income and Comprehensive Income</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains on available-for-sale securities:</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on securities</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on securities, net of tax</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized gains on cash flow hedges:</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on cash flow hedges, net of tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of defined benefit pension plan items:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Past service liability</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Included in the computation of net periodic credit</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Included in the computation of net periodic cost</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total before tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of defined benefit pension plan items, net of tax</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total reclassifications for the period</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Amounts in parentheses indicate expense items. </span></div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span>See Note 20 - Employee Benefits  for additional information.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of information about items reclassified out of accumulated other comprehensive income (loss).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>64
<FILENAME>R39.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734627902544">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock', window );">Debt Securities, Trading, and Equity Securities, FV-NI</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the Company&#8217;s portfolio of debt securities available for sale and equity investments with readily determinable fair values: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:56.502%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.285%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Gain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt securities available-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-Related Debt Securities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,366&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,221&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,495&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">381&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,162&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,035&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">528&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,563&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,899&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,609&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">365&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,907&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">331&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,582&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,942&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">859&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,145&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,958&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">861&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,159&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes accrued interest receivable of $38&#160;million included in <span style="-sec-ix-hidden:f-872">other assets</span> in the Consolidated Statements of Condition.</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:57.525%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.695%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.572%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.695%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.261%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Gain</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt securities available-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-Related Debt Securities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,457&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,297&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,600&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,301&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,242&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">460&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,789&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,491&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,749&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">351&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,398&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">375&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">913&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">885&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign Notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,675&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">411&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,271&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,917&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,933&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">873&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,074&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. </span></div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span>Excludes accrued interest receivable of $31&#160;million included in other assets in the Consolidated Statements of Condition.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfRealizedGainLossTableTextBlock', window );">Schedule of Realized Gain (Loss)</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the gross proceeds, gross realized gains, and gross realized losses from the sale of available-for-sale securities during the years-ended:</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"><tr><td style="width:1.0%"></td><td style="width:62.955%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.264%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.414%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.959%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.414%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.194%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">( in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross proceeds</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,637&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross realized gains</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross realized losses</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesTextBlock', window );">Summary of Unrealized Loss Positions on Investment Securities Held-to-Maturity</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes, by contractual maturity, the amortized cost of securities at December&#160;31, 2023:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"><tr><td style="width:1.0%"></td><td style="width:31.550%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.809%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.385%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.516%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.385%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.784%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.385%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.930%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.385%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.471%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage- Related Securities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Government and GSE Obligations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State, County, and Municipal</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">( in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Available-for-Sale Debt Securities:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due within one year</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">448&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due from one to five years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">353&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">560&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due from five to ten years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">316&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,502&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,597&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after ten years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,541&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,542&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,035&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,096&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">803&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,145&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span>Includes corporate bonds, capital trust notes, foreign notes, and asset-backed securities.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Schedule of Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of December&#160;31, 2023: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.186%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.426%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.426%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.157%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.287%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less than Twelve Months</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Twelve Months or Longer</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Temporarily Impaired Securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Government agency and GSE obligations</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">181&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,362&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,543&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">291&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">843&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,155&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">146&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,835&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,312&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">304&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,147&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">381&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total temporarily impaired securities</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,357&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,198&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">777&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,555&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">861&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of  December&#160;31, 2022: </span></div><div style="text-align:justify;text-indent:36pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.671%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.987%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.841%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.996%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less than Twelve Months</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Twelve Months or Longer</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Loss</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Temporarily Impaired Securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Government agency and GSE obligations</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">243&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,156&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">346&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,399&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">351&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">420&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">114&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,291&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,219&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">925&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">264&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,144&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">323&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">698&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">97&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">795&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total temporarily impaired securities</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,658&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,911&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">751&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,569&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">873&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of information about investment in debt security measured at amortized cost (held-to-maturity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5B<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (aaa)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (f)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5<br><br>Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5A<br><br>Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5A<br><br>Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5A<br><br>Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5B<br><br>Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5B<br><br>Reference 17: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5B<br><br>Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-5B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HeldToMaturitySecuritiesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfRealizedGainLossTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the proceeds from sales of available-for-sale securities and the gross realized gains and gross realized losses that have been included in earnings as a result of those sales.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfRealizedGainLossTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in net income (trading) and investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>65
<FILENAME>R40.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734622222144">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Leases (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Summary of Components</a></td>
<td class="text">We report LHFI loans at their amortized cost, which includes the outstanding principal balance adjusted for any unamortized premiums, discounts, deferred fees and unamortized fair value adjustments for acquired loans:<div style="padding-left:5.4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:45.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.242%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.102%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.102%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.105%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of<br/>Loans<br/>Held for<br/>Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of<br/>Loans<br/>Held for<br/>Investment</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and Leases Held for Investment:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,265&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44.0&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,130&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55.3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,470</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,526</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,061</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,821</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,912</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage loans held for investment </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,708&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">67.0&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,473&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">78.9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,065</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26.1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,597</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Lease financing, net of unearned income of $258 and $85, respectively</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,189</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,679</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total commercial and industrial loans </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,254</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29.9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,276</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.8&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,657</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,252</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans held for investment</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,911</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33.0&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,528</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.1&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases held for investment </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,619&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,001&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.0&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses on loans and leases</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(992)</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(393)</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases held for investment, net</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,627</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,608</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held for sale</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1,182&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans and leases, net</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,809&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,723&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes accrued interest receivable of $423&#160;million and $292&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively, which is included in <span style="-sec-ix-hidden:f-1197"><span style="-sec-ix-hidden:f-1198">other assets</span></span> in the Consolidated Statements of Condition. </span></div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes specialty finance loans and leases of $5.2&#160;billion and $4.4&#160;billion at December&#160;31, 2023 and December&#160;31, 2022, respectively.</span><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Schedule of Quality of Loans Held for Investment</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information regarding the quality of the Company&#8217;s loans held for investment at December&#160;31, 2023: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:36.765%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.595%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.180%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.765%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.818%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.941%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans 30-89 Days Past Due</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non- Accrual Loans</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Past Due Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current Loans </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Loans Receivable</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,006&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,265&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,314&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,470&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">135&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,926&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,061&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,908&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,912&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,174&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,254&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,613&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,657&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">428&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">678&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,941&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,619&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes lease financing receivables.</span></div><div style="padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Includes $207&#160;million multi-family loans from one borrower that had a payment in the process of collection as of December&#160;31, 2023 and subsequently settled on January 2, 2024</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify;text-indent:24.5pt"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information regarding the quality of the Company&#8217;s loans held for investment at December&#160;31, 2022: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:35.449%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.180%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.765%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.941%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans 30-89 Days Past Due</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non- Accrual Loans</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Past Due Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Loans Receivable</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,083&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,130&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,504&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,526&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">113&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,708&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,821&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,271&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,276&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,252&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">70&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,790&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69,001&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span>Includes lease financing receivables, all of which were current.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Summary of Loans Held for Investment by Credit Quality Indicator</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2023: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:15.112%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi- Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial Real Estate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to- Four Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, Development, and Construction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Other Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit Quality Indicator:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34,170&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,734&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,328&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,825&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,057&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,683&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,634&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,317&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special mention</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">768&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">367&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,192&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,327&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,369&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">733&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,459&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">236&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Doubtful</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,265&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,470&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,061&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,912&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,708&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25,254&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,657&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,911&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2022: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:15.112%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.656%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.229%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.373%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.239%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Loans</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi- Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial Real Estate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to- Four Family</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, Development, and Construction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Mortgage Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Other Loans</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit Quality Indicator:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36,622&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,871&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,710&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,992&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,195&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,208&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,238&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,446&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special mention</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">864&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">230&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,106&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">644&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">425&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,172&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,130&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,526&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,821&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,996&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54,473&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,276&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,252&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14,528&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents, by credit quality indicator, loan class, and year of origination, the amortized cost basis of the Company&#8217;s loans and leases as of December&#160;31, 2023: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:21.261%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.094%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.094%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.094%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.816%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.927%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.927%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.271%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="51" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Vintage Year</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior To 2019</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Revolving Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Revolving Loans Converted to Term Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,532&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,295&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,308&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,438&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,725&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,670&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,981&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51,057&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special Mention</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">217&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">407&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">144&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">341&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,192&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">258&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">336&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">809&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,910&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,459&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Doubtful</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,577&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,610&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,635&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,181&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,678&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,921&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,995&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">111&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56,708&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current-period gross write-offs</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(112)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(64)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(178)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pass</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,709&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,598&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,936&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,141&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">911&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">941&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,757&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">324&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,317&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Special Mention</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Substandard</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">259&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Doubtful</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,720&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,819&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,998&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,178&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">957&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">999&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,905&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27,911&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current-period gross write-offs</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr style="height:15pt"><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,297&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,429&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,633&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,359&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,635&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,920&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,900&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">84,619&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock', window );">Summary of Collateral</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the extent to which collateral secures the Company&#8217;s collateral-dependent loans held for investment by collateral type as of December&#160;31, 2023:  </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:76.400%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.873%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Collateral Type</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Real Property</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">105&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total collateral-dependent loans held for investment</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">614&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock', window );">Summary of Modifications to Borrowers Experiencing Financial Difficulty and Performance of Loans Modified in Last 12 Months, and TDRs</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.538%"><tr><td style="width:1.0%"></td><td style="width:31.095%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.137%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.104%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.072%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.621%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.393%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.999%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate Reduction</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Term Extension</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Combination - Interest Rate Reduction &amp; Term Extension</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total Loan class</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.17&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.98&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.23&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and Industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.08&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Consumer</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.08&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">262&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty:</span></div><div style="text-align:center"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:45.829%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.443%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.443%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.717%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate Reduction</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Term Extension</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average contractual interest rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">From</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">To</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted-average Term (in years)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.45&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.02&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.83&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.56&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.08&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.79&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.44&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.08&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.58</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Consumer</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.09&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.82&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div> The following table depicts the performance of loans that have been modified during the reporting period:<div style="text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:38.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.798%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.668%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.827%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.379%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.991%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30 - 89 Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90+ Past Due</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Consumer</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information regarding the Company's TDRs as of  December&#160;31, 2022: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:67.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.902%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accruing</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non- Accrual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan Category:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:67.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.902%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-indent:36pt"><span><br/></span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%">The financial effects of the Company&#8217;s TDRs for the twelve months ended  December&#160;31, 2022 are summarized as follows: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:26.970%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.525%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.864%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.572%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.280%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.671%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.534%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of Loans</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre- Modification Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Post- Modification Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pre- Modification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Post- Modification</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge- off Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capitalized Interest</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan Category:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.02&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 29<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-29<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PastDueFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of aging analysis for financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-14<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 80<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-80<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-7<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 7A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-7A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PastDueFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReceivablesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.3,4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financial instruments held by the entity for its own account for trading or investment purposes that are carried at fair value and pledged to counterparties as collateral for financing transactions. Description may include equity, fixed income, debt or other securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481444/860-30-45-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 860<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481420/860-30-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-33<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 34<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-34<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>66
<FILENAME>R41.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618163200">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses on Loans and Leases (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CreditLossAbstract', window );"><strong>Credit Loss [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Schedule of Activity in the Allowance for Loan and Lease Losses</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes activity in the allowance for credit losses for the periods indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:40.983%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.205%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.205%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.233%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.350%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance, beginning of period</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">178&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustment for Purchased PCD Loans</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charge-offs</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(178)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(223)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recoveries</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Provision for (recovery of) credit losses on loans and leases</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">644</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">794</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance, end of period</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">756&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">236&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">393&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Schedule of Additional Information about Nonaccrual Loans</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents additional information about the Company&#8217;s nonaccrual loans at December&#160;31, 2023:</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:49.610%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.368%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.951%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.368%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.952%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Related Allowance</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Income Recognized</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with no related allowance:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with no related allowance</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">294&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with an allowance recorded:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">44</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with an allowance recorded</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">134&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">428&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">47&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-indent:24.5pt"><span><br/></span></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents additional information about the Company&#8217;s nonaccrual loans at December&#160;31, 2022:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:50.705%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.597%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Recorded Investment</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Related Allowance</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Income Recognized</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with no related allowance:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with no related allowance</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">125&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans with an allowance recorded:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans with an allowance recorded</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial real estate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family first mortgage</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other (includes C&amp;I)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total nonaccrual loans</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditLossAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditLossAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of impaired financing receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivablesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>67
<FILENAME>R42.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734626526912">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock', window );">Components of Lease Income</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The Company uses the interest rate implicit in the lease to determine the present value of its lease financing receivables.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of lease income were as follows: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:62.204%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.034%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.742%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.452%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest income on lease financing</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span>Included in Interest Income &#8211; Loans and leases in the Consolidated Statements of Income and Comprehensive Income.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetInvestmentInLeasePastDueTableTextBlock', window );">Net Investment in Lease, Past Due</a></td>
<td class="text">The components of net investment in direct financing leases, including the carrying amount of the lease receivables, as well as the unguaranteed residual asset were as follows: <div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:60.288%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.927%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.930%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net investment in the lease - lease payments receivable</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,187&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,685&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net investment in the lease - unguaranteed residual assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">321&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,508&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,745&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock', window );">Maturity Analysis of Undiscounted Lease Receivables</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the remaining maturity analysis of the undiscounted lease receivables, as well as the reconciliation to the total amount of receivables recognized in the Consolidated Statements of Condition: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:82.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.428%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">549&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">602&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">874&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">521&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">293&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">669&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,508&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Plus: deferred origination costs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: unearned income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(258)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: purchase accounting adjustment</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease finance receivables, net</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,189&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeaseCostTableTextBlock', window );">Lease Cost Information</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of lease expense were as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:40.469%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.231%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.923%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.815%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease cost</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease cost</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">86&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Supplemental cash flow information related to the leases for the following periods: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:71.414%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.958%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.744%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash paid for amounts included in the measurement of lease liabilities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating cash flows from operating leases</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_AssetsAndLiabilitiesLesseeTableTextBlock', window );">Supplemental Balance Sheet Information</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Supplemental balance sheet information related to the leases for the following periods: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:63.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.541%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions, except lease term and discount rate)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating Leases:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease right-of-use assets </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">426&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating lease liabilities </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average remaining lease term</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.2 years</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6 years</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average discount rate percent</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.71&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.85&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in <span style="-sec-ix-hidden:f-1752"><span style="-sec-ix-hidden:f-1753">Other assets</span></span> in the Consolidated Statements of Condition.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Included in <span style="-sec-ix-hidden:f-1754"><span style="-sec-ix-hidden:f-1755">Other liabilities</span></span> in the Consolidated Statements of Condition.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock', window );">Schedule of Minimum Contractual Lease Obligations</a></td>
<td class="text"><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:82.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.012%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"><br/></span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maturities of lease liabilities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">71&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">296&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total lease payments</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">587&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: imputed interest</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(141)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total present value of lease liabilities</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">446&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_AssetsAndLiabilitiesLesseeTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Assets And Liabilities, Lessee</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_AssetsAndLiabilitiesLesseeTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of components of lease income from direct financing lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-5<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482964/270-10-50-6A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeaseCostTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of lessee's lease cost. Includes, but is not limited to, interest expense for finance lease, amortization of right-of-use asset for finance lease, operating lease cost, short-term lease cost, variable lease cost and sublease income.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeaseCostTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of undiscounted cash flows of lessee's operating lease liability. Includes, but is not limited to, reconciliation of undiscounted cash flows to operating lease liability recognized in statement of financial position.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetInvestmentInLeasePastDueTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of aging analysis for net investment in sales-type and direct financing leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-14<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetInvestmentInLeasePastDueTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of maturity of undiscounted cash flows to be received on annual basis for sales-type and direct financing leases receivable. Includes, but is not limited to, reconciliation to lease receivable recognized in statement of financial position.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>68
<FILENAME>R43.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734622348032">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Mortgage Servicing Rights (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TransfersAndServicingAbstract', window );"><strong>Transfers and Servicing [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock', window );">Schedule of Changes in the Fair Value of Residential First Mortgage MSRs</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Changes in the fair value of residential first mortgage MSRs were as follows:</span></div><div style="margin-top:6pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"><tr><td style="width:1.0%"></td><td style="width:84.635%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.165%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at beginning of period</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions from loans sold with servicing retained</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reductions from sales</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes, and other </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes in estimates of fair value due to interest rate risk</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1) (2)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of MSRs at end of period</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,111&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Changes in fair value are included within <span style="-sec-ix-hidden:f-1774"><span style="-sec-ix-hidden:f-1775">net return on mortgage servicing rights</span></span> on the Consolidated Statements of Income and Comprehensive Income.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents estimated MSR value change resulting primarily from market-driven changes which we manage through the use of derivatives.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock', window );">Summary of Adverse Changes to Weighted-Average Assumptions on the Fair Value of Servicing Rights</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the hypothetical effect on the fair value of servicing rights using adverse changes of 10 percent and 20 percent to the weighted average of certain significant assumptions used in valuing these assets:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:57.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.650%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.929%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10% adverse change</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20% adverse change</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Option adjusted spread</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.4&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,091&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,072&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,073&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,040&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average cost to service per loan</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,100&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,090&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:58.066%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.650%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.873%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actual</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10% adverse change</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20% adverse change</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Option adjusted spread</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,012&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">992&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">970&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average cost to service per loan</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,023&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,013&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock', window );">Summary of Income and Fees</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes income and fees associated with owned MSRs:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.099%"><tr><td style="width:1.0%"></td><td style="width:69.987%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.461%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.252%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Month Ended December 31, 2022</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Servicing fees, ancillary income and late fees</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes and other</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(80)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes in fair value due to interest rate risk</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gain on MSR derivatives</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net transaction costs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total return included in net return on mortgage servicing rights</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Changes in the derivatives utilized as economic hedges to offset changes in fair value of the MSRs.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes income and fees associated with our mortgage loans subserviced for others: </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"><tr><td style="width:1.0%"></td><td style="width:70.118%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.850%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.732%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loan administration income on mortgage loans subserviced</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Servicing fees, ancillary income and late fees </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">154&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Charges on subserviced custodial balances </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(168)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other servicing charges</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total (loss) income on mortgage loans subserviced, included in loan administration income</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(17)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Charges on subserviced custodial balances represent interest due to MSR owner.</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of contractual servicing fees, including late fees and ancillary income, for each type of loan serviced.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of a sensitivity analysis or stress test showing the hypothetical effect on the fair value of the transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) of two or more unfavorable variations from the expected levels for each key assumption that is reported, independently determined from any change in another key assumption, and a description of the objectives, methodology, and limitations of the sensitivity analysis or stress test.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the activity in the balance of servicing assets (including a description of where changes in fair value are reported in the statement of income for each period for which results of operations are presented), including but not limited to, the following: beginning and ending balances, additions (for instance, through purchases of servicing assets), disposals, changes in fair value during the period resulting from changes in inputs or assumptions used in the valuation model, other changes in fair value along with a description of those changes, and other changes that affect the balance along with a description of those changes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TransfersAndServicingAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TransfersAndServicingAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>69
<FILENAME>R44.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618156080">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowed Funds (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtDisclosureAbstract', window );"><strong>Debt Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfDebtTableTextBlock', window );">Schedule of Debt</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s borrowed funds: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:72.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.816%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.494%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.818%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Wholesale borrowings:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB advances</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,250&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,325&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:10pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FRB term funding</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,000&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total wholesale borrowings</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,250&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,325&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior subordinated debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">579&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">575</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subordinated notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">432</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total borrowed funds</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,267&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,332&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock', window );">Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The contractual maturities and the next call dates of FHLB advances outstanding at December&#160;31, 2023 were as follows:</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:45.150%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.983%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.844%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.320%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Contractual Maturity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Earlier of Contractual Maturity or Next Call Date</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions) Year</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate (1)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate (1)</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,350&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.57&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,100&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.37&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.38&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,750&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,500&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.37&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,500&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.37&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,000&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.62&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.75&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,400&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.17&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,400&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.17&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2032</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total FHLB advances</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,250&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19,250&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Does not included the effect interest rate swap agreements.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock', window );">Schedule of Subordinated Borrowing</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents contractual terms of the junior subordinated debentures outstanding at December&#160;31, 2023:</span></div><div style="text-align:justify"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:38.073%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.013%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.723%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.153%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.862%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.369%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.300%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Issuer</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate of Capital Securities and Debentures</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior Subordinated Debentures Amount Outstanding </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital Securities Amount Outstanding</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Date of Original Issue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stated Maturity</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Capital Trust V (BONUSES Units) (1)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">141&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nov. 4, 2002</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nov. 1, 2051</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Capital Trust X (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.25</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">120&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 14, 2006</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 15, 2036</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">PennFed Capital Trust III (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.90</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 2, 2003</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 15, 2033</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New York Community Capital Trust XI (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.24</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 16, 2007</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 30, 2037</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust II (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.87</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 26, 2002</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec. 26, 2032</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust III (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.91</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Feb. 19, 2003</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 7, 2033</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust IV (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.84</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar. 19, 2003</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar 19, 2033</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust V (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.66</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dec 29, 2004</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Jan. 7, 2035</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust VI (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.66</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar. 30, 2005</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 7, 2035</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust VII (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.40</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">51&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mar. 29, 2005</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 15, 2035</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust VIII (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.16</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sept. 22, 2005</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Oct. 7, 2035</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust IX (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.10</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">June 28, 2007</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sept. 15, 2037</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Flagstar Statutory Trust X (2)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.15</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Aug. 31, 2007</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sept 15, 2037</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total junior subordinated debentures</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (3)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">589&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Callable subject to certain conditions as described in the prospectus filed with the SEC on November 4, 2002. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Callable at any time. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Excludes Flagstar Acquisition fair value adjustments of $30&#160;million.</span></div><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023 and December&#160;31, 2022, the Company had a total of $438&#160;million and $432&#160;million subordinated notes outstanding; respectively, of fixed-to-floating rate subordinated notes outstanding:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:33.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.538%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.427%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:23.209%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Date of Original Issue</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stated Maturity</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest Rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Original Issue Amount</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 6, 2018</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 6, 2028 (1)</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.900%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">300</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 28, 2020</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">November 1, 2030 (2)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.125%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150</span></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">From and including the date of original issuance to, but excluding November 6, 2023, the Notes will bear interest at an initial rate of 5.90 percent per annum payable semi-annually. Unless redeemed, from and including November 6, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2023 to but excluding the maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then-current three-month SOFR rate plus 304.16 b</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">asis points payable quarterly. </span></div><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span>From and including the date of original issuance, the Notes will bear interest at a fixed rate of 4.13 percent through October 31, 2025, and a variable rate tied to SOFR thereafter until maturity. The Company has the option to redeem all or a part of the Notes beginning on November 1, 2025, and on any subsequent interest payment date.<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDebtTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of information pertaining to short-term and long-debt instruments or arrangements, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDebtTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of advances by federal home loan bank by branch.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13,16)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480876/942-470-45-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 470<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480848/942-470-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfSubordinatedBorrowingTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of borrowings under subordinated debt agreements that qualify as available in computing net capital under SEC uniform net capital rules for broker-dealers, including restrictive covenants, collateral, interest rates and due dates, amounts due by date and amount owed in total.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480876/942-470-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfSubordinatedBorrowingTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>70
<FILENAME>R45.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734627639600">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Deposits (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatisticalDisclosureForBanksAbstract', window );"><strong>Statistical Disclosure for Banks [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesTypeTableTextBlock', window );">Deposit Liabilities, Type</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth the weighted average interest rates for each type of deposit at December&#160;31, 2023 and 2022: </span></div><div><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:37.094%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.205%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.177%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.788%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.351%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Percent of Total</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Interest Rate</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest-bearing checking and money market accounts</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30,700&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37.66&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.51&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,511&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38.34&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.66&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Savings accounts</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,773&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.76&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.67&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,645&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19.83&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certificates of deposit</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,554&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26.44&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.42&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,510&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21.30&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.04&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-interest-bearing accounts</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,499&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25.14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,055&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20.53&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total deposits</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,526&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.00&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.79&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,721&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100.00&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.71&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesTableTextBlock', window );">Time Deposit Maturities</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The scheduled maturities of certificates of deposit at December&#160;31, 2023 were as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.269%"><tr><td style="width:1.0%"></td><td style="width:82.405%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.395%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1 year or less</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,321&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 1 year through 2 years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,879&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 2 years through 3 years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 3 years through 4 years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">142&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">More than 4 years through 5 years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Over 5 years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total CDs </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,581&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">(1) Excludes PAA</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatisticalDisclosureForBanksAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatisticalDisclosureForBanksAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositLiabilitiesTypeTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of type of deposit liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (a)<br> -Subparagraph (1)<br> -Publisher SEC<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (a)<br> -Subparagraph (2)<br> -Publisher SEC<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (a)<br> -Subparagraph (3)<br> -Publisher SEC<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (a)<br> -Subparagraph (4)<br> -Publisher SEC<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (a)<br> -Subparagraph (5)<br> -Publisher SEC<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (c)<br> -Publisher SEC<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (d)<br> -Publisher SEC<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (e)<br> -Publisher SEC<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (f)<br> -Subparagraph (1)<br> -Publisher SEC<br><br>Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (f)<br> -Subparagraph (2)<br> -Publisher SEC<br><br>Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (f)<br> -Subparagraph (2)(i)<br> -Publisher SEC<br><br>Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (f)<br> -Subparagraph (2)(i)(ii)<br> -Publisher SEC<br><br>Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (f)<br> -Subparagraph (2)(i)(iii)<br> -Publisher SEC<br><br>Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1406<br> -Paragraph (f)<br> -Subparagraph (2)(i)(iv)<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositLiabilitiesTypeTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of time deposit liability maturities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>71
<FILENAME>R46.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624401056">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal, State, and Local Taxes (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Schedule of Deferred Tax Assets and Liabilities</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the components of the Company&#8217;s net deferred tax asset (liability) at December&#160;31, 2023 and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:76.179%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.979%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.981%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred Tax Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Allowance for credit losses on loans and leases</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on securities (including OTTI)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">227&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on loans</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capitalized loan costs</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Right of Use Liability</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Compensation and related benefit obligations</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capitalized research and development costs</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accrued Expenses</span></div></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net operating loss carryforwards</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross deferred tax assets</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">552&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">477&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Valuation allowance</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net deferred tax asset after valuation allowance</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">547&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred Tax Liabilities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leases</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(492)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(328)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(105)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premises and equipment</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prepaid pension cost</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(29)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value adjustments on loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(210)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortizable intangibles</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(127)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(71)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on deposits</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Right of Use Asset</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deferred Loan fees</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition accounting and fair value adjustments on debt</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross deferred tax liabilities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,064)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(579)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net deferred tax liability</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(517)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(107)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock', window );">Components of the Provision (Benefit) for Income Taxes</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s income tax expense for the years ended December&#160;31, 2023</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:65.844%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.327%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.900%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.327%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.902%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal &#8211; current</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">156&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">147&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">188&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State and local &#8211; current</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total current</span></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">215&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">179&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">223&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal &#8211; deferred</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(137)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State and local &#8211; deferred</span></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total deferred</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(186)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense reported in net income</span></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">210&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax expense reported in stockholders&#8217; equity related to:</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Securities available-for-sale</span></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(223)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(42)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pension liability adjustments</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash flow hedge</span></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income taxes</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">187&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Summary of Differences Between the Effective Tax Rate and the Statutory Federal Tax Rate</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents a reconciliation of statutory federal income tax expense (benefit) to combined actual income tax expense (benefit) reported in net income for the years ended </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">:</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:55.705%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.094%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.930%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Statutory federal income tax at 21%</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">169&#160;</span></td><td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">State and local income taxes, net of federal income tax effect</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tax Exempt income</span></div></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-taxable bargain gain</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(447)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(33)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible goodwill impairment</span></div></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">509&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible FDIC deposit insurance premiums</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effect of tax deductibility of deferred compensation</span></div></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-taxable income and expense of BOLI</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible merger expenses</span></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-deductible compensation expense</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Federal tax credits</span></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(31)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cff0fc;padding:0 1pt"></td><td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Adjustments relating to prior tax years</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income tax expense</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">176&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">210&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock', window );">Summary of Income Tax Contingencies</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes changes in the liability for unrecognized gross tax benefits for the years ended December&#160;31, 2023, </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2022</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, and </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">2021</span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:65.288%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.733%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.733%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.736%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Uncertain tax positions at beginning of year</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions for tax positions relating to current-year operations</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Additions for tax positions relating to prior tax years</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subtractions for tax positions relating to prior tax years</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Uncertain tax positions at end of year</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">40&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Paragraph 9<br> -Section 50<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Paragraph 2<br> -Section 50<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Paragraph 12<br> -Section 50<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SummaryOfIncomeTaxContingenciesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure for tax positions taken in the tax returns filed or to be filed for which it is more likely than not that the tax position will not be sustained upon examination by taxing authorities and other income tax contingencies. Includes, but is not limited to, interest and penalties, reconciliation of unrecognized tax benefits, unrecognized tax benefits that would affect the effective tax rate, tax years that remain subject to examination by tax jurisdictions, and information about positions for which it is reasonably possible that amounts unrecognized will significantly change within 12 months.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15A<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 19<br> -SubTopic 10<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-19<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SummaryOfIncomeTaxContingenciesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>72
<FILENAME>R47.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734626324832">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Related Benefits Plans (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Share-Based Payment Arrangement [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock', window );">Nonvested Restricted Stock Shares Activity</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a summary of activity with regard to restricted stock awards (RSAs): </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:66.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.012%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year Ended December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number of Shares</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Grant Date Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unvested at beginning of year</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,576,602</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.92&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,995,495</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.24&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Vested</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,105,582)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.99&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Forfeited</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,292,574)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.62&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unvested at end of period</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,173,941</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.49&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock', window );">Summary of Performance-Based Restricted Stock Activity</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table provides a summary of activity with regard to Performance-Based Restricted Stock Units ("PSUs") in the year ended December 31, 2023:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.844%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.955%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.622%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.959%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Number&#160;of<br/>Shares</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted<br/>Average<br/>Grant Date<br/>Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Performance<br/>Period</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected<br/>Vesting<br/>Date</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Outstanding at beginning of year</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">794,984</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.73&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Granted</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">566,656</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.95&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Released</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(143,352)</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Forfeited</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Outstanding at end of period</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,218,288</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.95&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2022 - December 31, 2025</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">March 31, 2023 - 2026</span></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the changes in outstanding nonvested restricted stock shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Subparagraph (c)<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 718<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of number and weighted-average grant date fair value for nonvested performance shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Subparagraph (c)<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 718<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>73
<FILENAME>R48.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618428704">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative and Hedging Activities (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract', window );"><strong>Derivative Instruments and Hedging Activities Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock', window );">Schedule of Derivative Financial Instruments</a></td>
<td class="text"><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables set forth information regarding the Company&#8217;s derivative financial instruments:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:52.701%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.034%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.110%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.454%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Notional Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expiration Dates</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated as cash flow hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,500&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025-2028</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,500&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated as fair value hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on multi-family loans held for investment</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,000&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025-2027</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,012&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,490&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,431&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024-2041</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,933&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">2,235&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,048&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">77</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,720</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024-2054</span></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivatives not designated as hedging instruments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,080&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"><tr><td style="width:1.0%"></td><td style="width:52.497%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.087%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.387%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.151%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.387%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.500%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.387%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.504%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Notional Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Liabilities</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expiration Date</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated as cash flow hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,750&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2027</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,750&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,205&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,065</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,539</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,594</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2032</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,403&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">229&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">739&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">527</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,445</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023-2053</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivatives not designated as hedging instruments</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,711&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffsettingLiabilitiesTableTextBlock', window );">Offsetting Liabilities</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.377%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Not Offset in the Statements of Condition</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Netted in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Amount Presented in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Collateral Pledged (Received)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances </span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on multi-family loans held for investment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaptions</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative assets</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative liabilities</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.377%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Not Offset in the Statements of Condition</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Netted in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Amount Presented in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Collateral Pledged (Received)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances </span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative assets</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative liabilities</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OffsettingAssetsTableTextBlock', window );">Offsetting Assets</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.377%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Not Offset in the Statements of Condition</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Netted in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Amount Presented in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Collateral Pledged (Received)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances </span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on multi-family loans held for investment</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaptions</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative assets</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative liabilities</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:30.427%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.594%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.677%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.761%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.377%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Not Offset in the Statements of Condition</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Amounts Netted in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Amount Presented in the Statements of Condition</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Instruments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Collateral Pledged (Received)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives designated hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps on FHLB advances </span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(36)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative assets</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">220&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(44)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Liabilities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">54&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">29&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative liabilities</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83&#160;</span></td><td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock', window );">Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss)</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Interest rate swaps with notional amounts totaling $5.5&#160;billion and $3.8&#160;billion as of December&#160;31, 2023 and December&#160;31, 2022, were designated as cash flow hedges of certain FHLB borrowings.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the effect of the Company&#8217;s cash flow derivative instruments on AOCL:  </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:44.514%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.613%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.274%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.031%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount of gain (loss) recognized in AOCL</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">88&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount of reclassified from AOCL to interest expense</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(65)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock', window );">Schedule of Net Gain (Loss) Recognized in Income on Derivative Instruments</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the net gain (loss) recognized in income on derivatives not designated as hedging  instruments, net of the impact of offsetting positions:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:44.514%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:25.946%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.768%"></td><td style="width:0.1%"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivatives not designated as hedging instruments</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Location of Gain (Loss)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net return on mortgage servicing rights</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments and US Treasury futures</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on loan sales</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Forward commitments</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other noninterest income</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other non-interest income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total derivative (loss) gain</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"> Includes customer-initiated commercial interest rate swaps.</span></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffsettingAssetsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of derivative and other financial assets that are subject to offsetting, including master netting arrangements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffsettingAssetsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OffsettingLiabilitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of derivative and other financial liabilities that are subject to offsetting, including master netting arrangements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-4<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OffsettingLiabilitiesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of gain (loss) on derivative and nonderivative instruments designated and qualifying as cash flow hedge recorded in accumulated other comprehensive income (AOCI) and reclassified into earnings.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4C<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4E<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4E<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4C<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDerivativeInstrumentsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of pertinent information about a derivative or group of derivatives on a disaggregated basis, such as for individual instruments, or small groups of similar instruments. May include a combination of the type of instrument, risks being hedged, notional amount, hedge designation, related hedged item, inception date, maturity date, or other relevant item.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 815<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1A<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1B<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-8<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4B<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-5<br><br>Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4C<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDerivativeInstrumentsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>74
<FILENAME>R49.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734622314400">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible Assets (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill and Intangible Assets Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfGoodwillTextBlock', window );">Schedule of Goodwill</a></td>
<td class="text"><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Goodwill and related changes in the carrying amount during the year ended December 31, 2023 are as follows: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:86.326%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.474%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Carrying Amount</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December 31, 2022</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,426&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Impairment</span></div></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,426)</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December 31, 2023</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock', window );">Schedule of Finite-Lived Intangible Assets</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">At December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">, intangible assets consisted of the following:</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:23.037%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.762%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.351%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.698%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Carrying Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated Amortization</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Carrying Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Carrying Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated Amortization</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net Carrying Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Core deposit intangible</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">700&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(113)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">587&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">250&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">246&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other intangible assets</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other intangible assets</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">756&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(131)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">625&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">292&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">287&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock', window );">Schedule of Finite-Lived Intangible Assets, Future Amortization Expense</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The estimated amortization expense of CDI and other intangible assets for the next five years is as follows:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:77.233%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:20.567%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization Expense</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">132&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">94&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">482&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets, excluding financial assets and goodwill, lacking physical substance with a finite life, by either major class or business segment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfGoodwillTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482548/350-20-55-24<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (g)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1A<br><br>Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfGoodwillTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the amount of amortization expense expected to be recorded in succeeding fiscal years for finite-lived intangible assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>75
<FILENAME>R50.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734623351456">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Capital (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_BrokersAndDealersAbstract', window );"><strong>Broker-Dealer [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Regulatory Capital Ratios</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the actual capital amounts and ratios for the Company: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.976%"><tr><td style="width:1.0%"></td><td style="width:30.362%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.762%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.728%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.390%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.762%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.728%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.390%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.762%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.728%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.390%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.762%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.736%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Risk-Based Capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2023</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common Equity Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leverage Capital</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,009&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.05&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,512&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.62&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,415&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.77&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,512&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7.75&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,983&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,310&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,081&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,392&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,026&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.55&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,202&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.62&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,334&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.77&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,120&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.75&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,335&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.06&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,838&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.78&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,154&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.66&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,838&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9.70&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,146&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,195&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,593&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,819&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,189&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.56&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,643&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.78&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,561&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.66&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,019&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.70&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the actual capital amounts and ratios for the Bank: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%"><tr><td style="width:1.0%"></td><td style="width:28.164%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.723%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.694%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.723%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.694%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.723%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.105%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.388%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.752%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.758%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Risk-Based Capital</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2023</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common Equity Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Tier 1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Leverage Capital</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ratio</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,305&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,305&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,271&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.61&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,305&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.48&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,980&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,307&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,076&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,389&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,325&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.02&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,998&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,195&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.61&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,916&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.48&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">December 31, 2022</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total capital</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,653&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.96&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,653&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.96&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,982&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11.43&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,653&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.87&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum for capital adequacy purposes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,142&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,189&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,585&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,817&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.00&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Excess</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,511&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.46&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,464&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.96&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,397&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3.43&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,836&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.87&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_BrokersAndDealersAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_BrokersAndDealersAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>76
<FILENAME>R51.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617971472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measures (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock', window );">Financial Instruments Carried at Fair Value</a></td>
<td class="text"><div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present assets and liabilities that were measured at fair value on a recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#8217;s Consolidated Statements of Condition at those dates: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.427%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.099%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets <br/>(Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs<br/>(Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs <br/>(Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Netting Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-related Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,221&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,221&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,162&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,162&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">148&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,531&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,563&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,609&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,609&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">302&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">343&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,384&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,582&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,915&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,145&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds and common stock</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,929&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,159&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential first mortgage loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">770&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">770&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">123&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial and industrial loans</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,111&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,111&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets at fair value</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,957&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,155&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,310&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities at fair value</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">92&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:42.372%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.705%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.427%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:7.099%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets <br/>(Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs<br/>(Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs <br/>(Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Netting Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-related Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE certificates</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,297&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,297&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE CMOs</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,301</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,301</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">191</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total mortgage-related debt securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,789&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,789&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Debt Securities Available for Sale:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U. S. Treasury obligations</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">GSE debentures</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,398</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,398</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Asset-backed securities</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">361</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Municipal bonds</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate bonds</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">885</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">885</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign notes</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Capital trust notes</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">90</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other debt securities</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,784&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,271&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total debt securities available for sale</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,573&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,060&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mutual funds and common stock</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total equity securities</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total securities</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,587&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,074&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Residential first mortgage loans</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative assets</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">182&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Futures</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">36&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets at fair value</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,487&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,922&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,042&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,451&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Derivative liabilities</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage-backed securities forwards</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest rate swaps and swaptions</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (fallout-adjusted)</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities at fair value</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">126&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">136&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock', window );">Roll Forward of Financial Instruments</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables include a roll forward of the Consolidated Statements of Condition amounts (including the change in fair value) for financial instruments classified by us within Level 3 of the valuation hierarchy:</span></div><div style="text-indent:24.5pt"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:29.016%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.426%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.888%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.549%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:5.186%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.110%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.256%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:8.265%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at Beginning of Year</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"><span style="-sec-ix-hidden:f-2804">Total Gains / (Losses) Recorded in Earnings (1)</span></span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Purchases / Originations</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Sales</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlement</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Transfers In (Out)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at End of Year</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Year Ended December 31, 2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,033&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212; </span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212; </span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,111&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (net)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)(2)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">104&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(45)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Totals</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,032&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(128)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">312&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(51)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,152&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">We utilized swaptions, futures, forward agency and loan sales and interest rate swaps to manage the risk associated with mortgage servicing rights and rate lock commitments. Gains and losses for individual lines do not reflect the effect of our risk management activities related to such Level 3 instruments.</span></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Rate lock commitments are reported on a fallout-adjusted basis. Transfers out of Level 3 represent the settlement value of the commitments that are transferred to LHFS, which are classified as Level 2 assets.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock', window );">Quantitative Information about Recurring Level 3 Fair Value Financial Instruments</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the quantitative information about recurring Level 3 fair value financial instruments and the fair value measurements as of December&#160;31, 2023:</span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:23.607%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:6.209%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.198%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:29.747%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:16.739%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Valuation Technique</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unobservable Input </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Range <br/>(Weighted Average)</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:12pt"><td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Mortgage servicing rights</span></td><td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$1,111</span></td><td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discounted cash flows</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Option adjusted spread</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0% - 21.7% 5.4%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant prepayment rate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;% - 10.0% 7.9%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average cost to service per loan</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$65.0 - $90.0 $69.0</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr style="height:21pt"><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Private Label CMOs</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$32</span></td><td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discounted cash flows</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Constant default rates</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.10% - 0.30%</span></div></td></tr><tr style="height:12pt"><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average life</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8.2 - 11.8</span></div></td></tr><tr style="height:3pt"><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rate lock commitments (net)</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$9</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Consensus pricing</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Origination pull-through rate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">64.30%</span></td></tr></table></div><div style="margin-top:6pt;padding-left:48.95pt;text-indent:-24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.18pt">Unobservable inputs were weighted by their relative fair value of the instruments.</span></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock', window );">Assets Measured at Fair Value on a Nonrecurring Basis</a></td>
<td class="text">The following tables present assets that were measured at fair value on a non-recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#8217;s Consolidated Statements of Condition at those dates: <div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:31.209%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:17.613%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.666%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.128%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.132%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurements at December&#160;31, 2023 Using</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certain impaired loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">197&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">247&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of impaired loans, based on the value of the collateral.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.</span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:32.818%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.344%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.274%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.250%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.062%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurements at December&#160;31, 2022 Using</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Certain impaired loans</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (1)</span></div></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">28&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">69&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of impaired loans, based on the value of the collateral.</span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Carrying Amount and Estimated Fair Value of Financial Instruments</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables summarize the carrying values, estimated fair values, and fair value measurement levels of financial instruments that were not carried at fair value on the Company&#8217;s Consolidated Statements of Condition at December&#160;31, 2023 and December&#160;31, 2022: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:33.310%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.135%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.995%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.995%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:1.906%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.995%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.749%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.361%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.671%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurement Using</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,475&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,475&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,475&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB and FRB stock </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,392&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,392&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,392&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and leases held for investment, net</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83,627&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,333&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">79,333&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,526&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">81,247&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,972&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,275&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,082&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,082&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Carrying value and estimated fair value are at cost. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Certificates of deposit.</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:34.038%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.022%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:2.438%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.516%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Measurement Using</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Estimated Fair Value</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,032&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,032&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,032&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB and FRB stock </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,267&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans and leases held for investment, net</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68,608&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,673&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65,673&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial Liabilities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Deposits</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,721&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">58,479&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">46,211&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,268&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div style="margin-top:2pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline">(3)</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Borrowed funds</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,332&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,231&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,231&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Carrying value and estimated fair value are at cost. </span></div><div style="padding-left:36pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. </span></div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">Certificates of deposit.</span><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock', window );">Changes in Fair Value Included in Earnings - Fair Value Option</a></td>
<td class="text"><div style="margin-top:12pt;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects the change in fair value included in earnings of financial instruments for which the fair value option has been elected:</span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:72.730%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.619%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.767%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">For the Years Ended December 31, </span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gain on loan sales</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock', window );">Differences Between Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance Outstanding - Fair Value Option</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table reflects the difference between the aggregate fair value and aggregate remaining contractual principal balance outstanding for assets and liabilities for which the fair value option has been elected:</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:57.650%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.927%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.901%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unpaid Principal Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Over / (Under) UPB</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nonaccrual loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total non-accrual loans</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other performing loans:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">869&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other performing loans</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">869&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">894&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">896&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">871&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">896&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:57.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.122%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.902%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(dollars in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unpaid Principal Balance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value Over / (Under) UPB</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other performing loans:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other performing loans</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans:</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Loans held-for-sale</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loans</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,095&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,115&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For each line item in the statement of financial position, the amounts of gains and losses from fair value changes included in earnings.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of input and valuation technique used to measure fair value and change in valuation approach and technique for each separate class of asset and liability measured on recurring and nonrecurring basis.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)<br> -SubTopic 10<br> -Topic 820<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)<br> -SubTopic 10<br> -Topic 820<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -SubTopic 10<br> -Topic 820<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByBalanceSheetGroupingTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of information about asset and liability measured at fair value under fair value option.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-30<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-31<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-32<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>77
<FILENAME>R52.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734623352752">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefits (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>Retirement Benefits [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock', window );">Defined Benefit Plan, Plan with Projected Benefit Obligation in Excess of Plan Assets</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table indicates the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:62.788%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.746%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount rate</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.9&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.6&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.2&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected rate of return on plan assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.0&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.3&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth certain information regarding the Health &amp; Welfare Plan as of the dates indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.689%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.712%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.715%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in benefit obligation:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at beginning of year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial gain</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premiums and claims paid</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at end of year</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in plan assets:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at beginning of year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Employer contribution</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premiums and claims paid</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at end of year</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Funded status (included in &#8220;Other liabilities&#8221;)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(8)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes recognized in other comprehensive income for the year ended December 31:</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of prior service cost</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of actuarial gain</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net actuarial (gain) loss arising during the year</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total recognized in other comprehensive income for the year (pre-tax)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated other comprehensive (gain) loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior service cost</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial (gain) loss, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accumulated other comprehensive income (pre-tax)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.455%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.038%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.152%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Discount rate</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4.8%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.3%</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2.0%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current medical trend rate</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6.5</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ultimate trend rate</span></td><td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.0</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Year when ultimate trend rate will be reached</span></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock', window );">Schedule of Allocation of Plan Assets</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">Based on the above considerations, the following asset allocation ranges will be implemented:</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">                      </span><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:39.250%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.783%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:18.784%"></td><td style="width:0.1%"></td></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Asset Allocation Parameters by Asset Class</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Equity</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Minimum</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Target</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maximum</span></div></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Large-Cap</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">27%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Mid-Cap</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Small-Cap</span></div></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-U.S.</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total - Equity</span></div></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55%</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65%</span></td></tr><tr style="height:12pt"><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total - Fixed Income/Cash Equivalents</span></div></td><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">35%</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45%</span></td><td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55%</span></td></tr></table></div><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table presents information about the fair value measurements of the investments held by the Retirement Plan as of </span><span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">December&#160;31, 2023</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">: </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:37.350%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:11.911%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.835%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.373%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.279%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets (Level 1)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs (Level 2)</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Unobservable Inputs (Level 3)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large-cap value </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large-cap growth</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (2)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large-cap core </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(3)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Mid-cap core </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(4)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Small-cap core</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (5)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;International growth </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(6)</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;International value </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(7)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed Income Funds:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td><td colspan="3" style="display:none"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Intermediate - Core Plus</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"> (8)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">98&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity Securities:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Company common stock</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Common/Collective Trusts-Equity:</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Large cap value </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(9)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash Equivalents:</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#160;&#160;Money market </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(10)</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">240&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category consists of a mutual fund holding 100-160 stocks, designed to track and outperform the Russell 1000 Value Index. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category consists of two mutual funds which invest primarily in large-cap U.S. - based growth companies, one concentrating on long-term capital growth, the other in long-term capital appreciation and current income.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category contains stocks of the S&amp;P 500 Index. The stocks are maintained in approximately the same weightings as the index. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category contains stocks of the CRSP U.S. Mid Cap Index, a broadly diversified index of stocks of medium-size U.S. companies. The stocks are maintained.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category seeks long-term capital appreciation through investment primarily in common stock of small-capitalization companies, with similar risk levels and characteristics to the Russell 2000 Index.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed and emerging markets.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category invests primarily in medium to large well-established non-US companies. Under normal circumstances, at least 80 percent of total assets will be invested in equity securities, including common stocks, preferred stocks, and convertible securities.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category currently includes equal investments in four mutual funds, seeking to outperform the Bloomberg Barclays U.S. Aggregate Bond Index. Two of the funds hold at least 80 percent in investment grade fixed-income securities while one other holds at least 65 percent; the fourth fund targets investments of 50 percent or more in mortgage-backed securities guaranteed by the US government and its agencies.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt">This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10)</span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:4.68pt">This category consists of a money market fund and is used for liquidity purposes.</span></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock', window );">Schedule of Net Benefit Costs</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The components of net periodic pension (credit) expense were as follows for the years indicated: </span></div><div><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.872%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.874%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Components of net periodic pension expense (credit):</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected return on plan assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of net actuarial loss</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net periodic pension credit</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock', window );">Defined Benefit Plan, Plan Assets, Allocation</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The asset allocations for the Retirement Plan were as follows: </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:71.462%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.270%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.357%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.411%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">60&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Debt securities</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash equivalents</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="background-color:#ffffff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock', window );">Schedule of Expected Benefit Payments</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following annuity payments, which reflect expected future service, as appropriate, are expected to be paid by the Retirement Plan during the years indicated: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:83.402%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:14.398%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029 and thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">43&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">83&#160;</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following amounts are currently expected to be paid for premiums and claims during the years indicated under the Health &amp; Welfare Plan: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:82.426%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.374%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2024</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2025</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2026</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2027</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2028</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2029 and thereafter</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7&#160;</span></td><td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock', window );">Changes in Projected Benefit Obligations, Fair Value of Plan Assets, and Funded Status of Plan</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table sets forth certain information regarding the Retirement Plan as of the dates indicated: </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:76.400%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.872%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.355%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.873%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Benefit Obligation:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at beginning of year</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">116&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial gain</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(38)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annuity payments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Benefit obligation at end of year</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">115&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">116&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in Plan Assets:</span></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at beginning of year</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">283&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actual return (loss) on plan assets</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(47)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Annuity payments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair value of assets at end of year</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">253&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">228&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Funded status (included in &#8220;Other assets&#8221;)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">138&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">112&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Changes recognized in other comprehensive income for the year ended December 31:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of actuarial loss</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net actuarial (gain) loss arising during the year</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">26&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total recognized in other comprehensive income for the year (pre-tax)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(25)</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Accumulated other comprehensive loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Actuarial loss, net</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accumulated other comprehensive loss (pre-tax)</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">41&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the change in the benefit obligation, fair value of plan assets, and funded status of pension plans or other employee benefit plans.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Subparagraph (a)(b)(c)<br> -Paragraph 1<br> -SubTopic 20<br> -Topic 715<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CompensationAndRetirementDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CompensationAndRetirementDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of investment allocation of defined benefit plan assets. Includes, but is not limited to, investment allocation percentage or range of percentages.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the major categories of plan assets of pension plans and/or other employee benefit plans. This information may include, but is not limited to, the target allocation of plan assets, the fair value of each major category of plan assets, and the level within the fair value hierarchy in which the fair value measurements fall.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 715<br> -SubTopic 20<br> -Subparagraph (d)(5)<br> -Name Accounting Standards Codification<br> -Paragraph 1<br> -Section 50<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of benefit obligation and plan assets for defined benefit pension plan with projected benefit obligation in excess of plan assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of benefits expected to be paid by pension plans and/or other employee benefit plans in each of the next five fiscal years and in the aggregate for the five fiscal years thereafter.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 715<br> -SubTopic 20<br> -Subparagraph (f)<br> -Name Accounting Standards Codification<br> -Paragraph 1<br> -Section 50<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 715<br> -SubTopic 20<br> -Subparagraph (h)<br> -Name Accounting Standards Codification<br> -Paragraph 1<br> -Section 50<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfNetBenefitCostsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>78
<FILENAME>R53.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734627681392">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Commitment and Contingencies (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments and Contingencies Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsTableTextBlock', window );">Summary of the Contractual Amount of Significant Commitments</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s off-balance sheet commitments to originate loans and letters of credit: </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:66.632%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:15.615%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.381%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.872%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Multi-family and commercial real estate</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">216&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">One-to-four family including interest rate locks</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,694&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,066&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Acquisition, development, and construction</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,926&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,539&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Warehouse loan commitments</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,074&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,042&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other loan commitments</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,315&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,964&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total loan commitments</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,061&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,827&#160;</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial, performance stand-by, and financial stand-by letters of credit</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">915&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">541&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total commitments</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24,976&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">22,368&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfGuaranteeObligationsTextBlock', window );">Schedule of Guarantor Obligations</a></td>
<td class="text"><div style="text-align:justify;text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following table summarizes the Company&#8217;s guarantees and indemnifications at December&#160;31, 2023:</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:45.391%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:12.350%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.449%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.595%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.384%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.963%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expires Within One Year</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expires After One Year</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Outstanding Amount</span></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Maximum Potential Amount of Future Payments</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Financial stand-by letters of credit</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">288&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">542&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">639&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Performance stand-by letters of credit</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial letters of credit</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">174&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total letters of credit</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">357&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">290&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">647&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">915&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingenciesDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of information about obligations resulting from other commitments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfGuaranteeObligationsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of each guarantee obligation, or each group of similar guarantee obligations, including (a) the nature of the guarantee, including its term, how it arose, and the events or circumstances that would require the guarantor to perform under the guarantee; (b) the maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee; (c) the current carrying amount of the liability, if any, for the guarantor's obligations under the guarantee; and (d) the nature of any recourse provisions under the guarantee, and any assets held either as collateral or by third parties, and any relevant related party disclosure. Excludes disclosures about product warranties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 460<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482425/460-10-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfGuaranteeObligationsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>79
<FILENAME>R54.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734622314272">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company-Only Financial Information (Tables)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th"><div>Dec. 31, 2023</div></th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Condensed Financial Information Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfCondensedBalanceSheetTableTextBlock', window );">Condensed Statements of Condition</a></td>
<td class="text"><div style="text-indent:24.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The following tables present the condensed financial statements for New York Community Bancorp, Inc. (Parent Company only):</span></div><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Condensed Statements of Condition </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"><tr><td style="width:1.0%"></td><td style="width:69.479%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.015%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.988%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:13.018%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ASSETS:</span></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents</span></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Investments in subsidiaries</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,160&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,633&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">80&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total assets</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,398&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,839&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">LIABILITIES AND STOCKHOLDERS&#8217; EQUITY:</span></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Junior subordinated debentures</span></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">579&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">575&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Subordinated notes</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">438&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">432&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other liabilities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,031&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,015&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Stockholders&#8217; equity</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,367&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,824&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total liabilities and stockholders&#8217; equity</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,398&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,839&#160;</span></td><td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfCondensedIncomeStatementTableTextBlock', window );">Condensed Statements of Income</a></td>
<td class="text"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Condensed Statements of Income </span></div><div style="text-align:justify"><span><br/></span></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.733%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.457%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Dividends received from subsidiaries</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">580&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">380&#160;</span></td><td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other income</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">160&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross income</span></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">582&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">495&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">381&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Operating expenses</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">55&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before income tax benefit and equity in undistributed<br/>   (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">474&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">440&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">331&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income before equity in undistributed (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">499&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">454&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">345&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity in undistributed (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(578)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">196&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">251&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income</span></div></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">650&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">596&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock', window );">Condensed Statements of Cash Flows</a></td>
<td class="text"><div style="text-align:justify"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%">Condensed Statements of Cash Flows </span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:64.733%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:10.011%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.455%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.772%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:9.457%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"></td><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Years Ended December 31,</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in millions)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM OPERATING ACTIVITIES:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net (loss) income</span></div></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(79)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">650&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">596&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in other assets</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in other liabilities</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other, net</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(130)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity in undistributed (loss) earnings of subsidiaries</span></div></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">578&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(196)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(251)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash provided by operating activities</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">600&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">317&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">356&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM INVESTING ACTIVITIES:</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash acquired in business acquisition</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">34&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">&#8212;&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in receivable from subsidiaries, net</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5&#160;</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash (used in) provided by investing activities</span></div></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39&#160;</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CASH FLOWS FROM FINANCING ACTIVITIES:</span></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Treasury stock repurchased</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(24)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(16)</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash dividends paid on common and preferred stock</span></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(519)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(350)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(349)</span></td><td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net cash used in financing activities</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(531)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(374)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(365)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net increase (decrease) in cash and cash equivalents</span></div></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37&#160;</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18)</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents at beginning of year</span></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"></td><td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151&#160;</span></td><td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr><tr><td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash and cash equivalents at end of year</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">158&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">121&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td><td colspan="3" style="background-color:#cceeff;padding:0 1pt"></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%">139&#160;</span></td><td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"></td></tr></table><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ScheduleOfCondensedBalanceSheetTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ScheduleOfCondensedBalanceSheetTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ScheduleOfCondensedCashFlowStatementTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ScheduleOfCondensedCashFlowStatementTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ScheduleOfCondensedIncomeStatementTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ScheduleOfCondensedIncomeStatementTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>80
<FILENAME>R55.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617992688">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Description of Business, Organization and Basis of Presentation (Details)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>division </div>
<div>originator </div>
<div>branch </div>
<div>state </div>
<div>$ / shares</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>$ / shares</div>
</th>
<th class="th">
<div>Nov. 23, 1993 </div>
<div>$ / shares</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems', window );"><strong>Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in usd per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SharesIssuedPricePerShareSplitAdjustedBasis', window );">Shares issued price per share split adjusted basis (in usd per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0.93<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfBranches', window );">Number of traditional branches | branch</a></td>
<td class="nump">420<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators', window );">Number of third-party mortgage originators | originator</a></td>
<td class="nump">3,600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfLocalDivisions', window );">Number Of Local Divisions | division</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NumberOfStatesInWhichEntityOperates', window );">Number of states in which branches are located | state</a></td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsidiarySaleOfStockAxis=us-gaap_IPOMember', window );">IPO</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems', window );"><strong>Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesIssuedPricePerShare', window );">Shares issued, price per share (in usd per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 25.00<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Number Of Third-Party Mortgage Originators</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_NumberOfBranches">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Branches</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_NumberOfBranches</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_NumberOfLocalDivisions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Local Divisions</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_NumberOfLocalDivisions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SharesIssuedPricePerShareSplitAdjustedBasis">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Shares Issued Price Per Share Split Adjusted Basis</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SharesIssuedPricePerShareSplitAdjustedBasis</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NumberOfStatesInWhichEntityOperates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of states the entity operates in as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NumberOfStatesInWhichEntityOperates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharesIssuedPricePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Per share or per unit amount of equity securities issued.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharesIssuedPricePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubsidiarySaleOfStockAxis=us-gaap_IPOMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsidiarySaleOfStockAxis=us-gaap_IPOMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>81
<FILENAME>R56.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615953088">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies - Narrative (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 11,475,000,000<span></span>
</td>
<td class="nump">$ 2,032,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsAssets', window );">Interest-bearing deposits</a></td>
<td class="nump">10,700,000,000<span></span>
</td>
<td class="nump">837,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SecuritiesForReverseRepurchaseAgreements', window );">Securities reverse repurchase</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">793,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalFundsSold', window );">Federal funds sold</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestrictedCash', window );">Restricted cash</a></td>
<td class="nump">$ 134,000,000<span></span>
</td>
<td class="nump">$ 50,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="nump">$ 2,426,000,000<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation</a></td>
<td class="nump">39,000,000<span></span>
</td>
<td class="nump">18,000,000<span></span>
</td>
<td class="nump">21,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Investment in BOLI</a></td>
<td class="nump">1,580,000,000<span></span>
</td>
<td class="nump">1,561,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsuranceIncome', window );">Bank-owned life insurance</a></td>
<td class="nump">43,000,000<span></span>
</td>
<td class="nump">32,000,000<span></span>
</td>
<td class="nump">$ 29,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ForeclosedAssets', window );">LGG loans, repossessed assets</a></td>
<td class="nump">14,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteesFairValueDisclosure', window );">Guarantees, fair value</a></td>
<td class="nump">12,000,000<span></span>
</td>
<td class="nump">10,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation', window );">Accumulated depreciation</a></td>
<td class="num">(526,000,000)<span></span>
</td>
<td class="num">(434,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_IntangibleAssetsAcquiredThroughForeclosure', window );">Taxi medallions</a></td>
<td class="nump">4,000,000<span></span>
</td>
<td class="nump">4,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherForeclosedAssets', window );">Other repossessed assets</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherRealEstate', window );">OREO</a></td>
<td class="nump">$ 5,000,000<span></span>
</td>
<td class="nump">$ 8,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Options available for future grants (in shares)</a></td>
<td class="nump">16,143,893<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConcessionsMember', window );">Premises</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">20 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember', window );">Furniture, fixtures and equipment, and building improvements</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">13 years 6 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember', window );">Furniture, fixtures and equipment, and building improvements | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">3 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember', window );">Furniture, fixtures and equipment, and building improvements | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnfundedLoanCommitmentMember', window );">Total loan commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">60.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_IntangibleAssetsAcquiredThroughForeclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Intangible Assets Acquired Through Foreclosure</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_IntangibleAssetsAcquiredThroughForeclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage, before allowance for credit loss, of financing receivable to total financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (c)<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsuranceIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.13)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOwnedLifeInsuranceIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483467/210-10-45-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Carrying value of amounts transferred to third parties for security purposes that are expected to be returned or applied towards payment in the future.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 360<br> -SubTopic 10<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482099/360-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Depreciation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalFundsSold">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalFundsSold</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph c<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ForeclosedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings or defeasance; includes real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481990/310-10-45-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ForeclosedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482548/350-20-55-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482598/350-20-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteesFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of guarantee, including, but not limited to, financial standby letter of credit, fair value guarantee, guarantee of collection of scheduled contractual cash flows from financial assets, and contracts that contingently require the guarantor to make payments or perform services.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GuaranteesFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherForeclosedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of assets other than real property that were received in full or partial satisfaction of a debt arrangement through foreclosure proceedings or defeasance.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481990/310-10-45-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -SubTopic 10<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherForeclosedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.10(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherRealEstate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated depreciation from long-lived, depreciable flight asset owned. Excludes right-of-use asset from finance lease for flight asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 360<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482099/360-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentUsefulLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentUsefulLife</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash restricted as to withdrawal or usage. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-8<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(1)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RestrictedCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SecuritiesForReverseRepurchaseAgreements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The carrying value of securities purchased to be resold in reverse repurchase transactions as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SecuritiesForReverseRepurchaseAgreements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConcessionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConcessionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnfundedLoanCommitmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnfundedLoanCommitmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>82
<FILENAME>R57.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624385984">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies - Estimated Useful Lives of Respective Assets (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember', window );">Buildings</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">30 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember', window );">Furniture, fixtures and equipment, and building improvements</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">13 years 6 months<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember', window );">Furniture, fixtures and equipment, and building improvements | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember', window );">Furniture, fixtures and equipment, and building improvements | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">10 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember', window );">Leasehold improvements</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">10 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_ATMMember', window );">ATMs</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">7 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConcessionsMember', window );">Premises</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Estimated useful lives</a></td>
<td class="text">20 years<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentUsefulLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentUsefulLife</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_ATMMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=fbc_ATMMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConcessionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConcessionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>83
<FILENAME>R58.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617720608">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Summary of Significant Accounting Policies - Earnings Per Share (Details) - USD ($)<br> $ / shares in Units, $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Share [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net (loss) income available to common stockholders</a></td>
<td class="num">$ (112)<span></span>
</td>
<td class="nump">$ 617<span></span>
</td>
<td class="nump">$ 563<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic', window );">Less: Dividends paid on and earnings allocated to participating securities</a></td>
<td class="num">(5)<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="num">(7)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted', window );">(Loss) earnings applicable to common stock</a></td>
<td class="num">$ (117)<span></span>
</td>
<td class="nump">$ 609<span></span>
</td>
<td class="nump">$ 556<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average common shares outstanding (in shares)</a></td>
<td class="nump">713,643,550<span></span>
</td>
<td class="nump">483,603,395<span></span>
</td>
<td class="nump">463,865,661<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic (loss) earnings per common share (in usd per share)</a></td>
<td class="num">$ (0.16)<span></span>
</td>
<td class="nump">$ 1.26<span></span>
</td>
<td class="nump">$ 1.20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment', window );">Potential dilutive common shares</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,530,950<span></span>
</td>
<td class="nump">767,058<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Total shares for diluted earnings per common share compensation (in shares)</a></td>
<td class="nump">713,643,550<span></span>
</td>
<td class="nump">485,134,345<span></span>
</td>
<td class="nump">464,632,719<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted (loss) earnings per common share and common share equivalents (in usd per share)</a></td>
<td class="num">$ (0.16)<span></span>
</td>
<td class="nump">$ 1.26<span></span>
</td>
<td class="nump">$ 1.20<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482635/260-10-55-15<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-7<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-10<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 52<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482635/260-10-55-52<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482635/260-10-55-15<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (e)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-7<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(27))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 52<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482635/260-10-55-52<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SAB Topic 6.B)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-5<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-10<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-11<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities, and addition from assumption of issuance of common shares for dilutive potential common shares; of income (loss) available to common shareholders.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SAB Topic 6.B)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-5<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 16<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-16<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-40<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-40<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-40<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 40<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-40<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of earnings (loss) distributed and earnings (loss) allocated to participating securities for the basic earnings (loss) per share or per unit calculation under the two-class method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 2: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The sum of dilutive potential common shares or units used in the calculation of the diluted per-share or per-unit computation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 16<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-16<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482662/260-10-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>84
<FILENAME>R59.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616065840">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations - Narrative (Details)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Mar. 31, 2023 </div>
<div>shares</div>
</th>
<th class="th">
<div>Mar. 20, 2023 </div>
<div>USD ($) </div>
<div>branch</div>
</th>
<th class="th">
<div>Dec. 01, 2022 </div>
<div>USD ($) </div>
<div>loan </div>
<div>States </div>
<div>shares</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($) </div>
<div>branch</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfBranches', window );">Number of branches</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">420<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 159<span></span>
</td>
<td class="nump">$ 2,131<span></span>
</td>
<td class="nump">$ 159<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC', window );">Loans returned to the FDIC | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 449<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember', window );">Core Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife', window );">Estimated useful life</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued', window );">Shares issued (in shares) | shares</a></td>
<td class="nump">39,032,006<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RestructuringCharges', window );">Acquisition costs | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 223<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Core Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife', window );">Estimated useful life</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | New York</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfBranches', window );">Number of branches</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | California</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfBranches', window );">Number of branches</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | North Carolina</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfBranches', window );">Number of branches</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Connecticut</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfBranches', window );">Number of branches</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Nevada</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfBranches', window );">Number of branches</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued', window );">Shares issued (in shares) | shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.0151<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 159<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts', window );">Acquisition costs | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 99<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfStatesInWhichOfficesAreLocated', window );">Number of states in which offices are located | States</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp | INDIANA</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfBranches', window );">Number of branches | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">158<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans Returned to the FDIC</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_NumberOfBranches">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Branches</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_NumberOfBranches</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_NumberOfStatesInWhichOfficesAreLocated">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of States In Which Offices Are Located</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_NumberOfStatesInWhichOfficesAreLocated</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average amortization period of finite-lived intangible assets acquired either individually or as part of a group of assets, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of direct costs of the business combination including legal, accounting, and other costs incurred to consummate the business acquisition.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares of equity interests issued or issuable to acquire entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 805<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479581/805-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>In a business combination in which the amount of net identifiable assets acquired and liabilities assumed exceeds the aggregate consideration transferred or to be transferred (as defined), this element represents the amount of gain recognized by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-5<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-2<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-4<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479581/805-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestructuringCharges">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses related to a discontinued operation or an asset retirement obligation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 420<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 5.P.4(b)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479823/420-10-S99-2<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 420<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482047/420-10-45-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 420<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 5.P.3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479823/420-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RestructuringCharges</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=stpr_NY">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_NY</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=stpr_CA">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_CA</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=stpr_NC">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_NC</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=stpr_CT">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_CT</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=stpr_NV">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_NV</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementGeographicalAxis=stpr_IN">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementGeographicalAxis=stpr_IN</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>85
<FILENAME>R60.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615539840">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations - Net Assets Acquired (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 20, 2023</div></th>
<th class="th"><div>Dec. 01, 2022</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract', window );"><strong>Fair value adjustments:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain on Signature Transaction, as initially reported</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 159<span></span>
</td>
<td class="nump">$ 2,131<span></span>
</td>
<td class="nump">$ 159<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet', window );">Net assets acquired before fair value adjustments</a></td>
<td class="nump">$ 2,973<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract', window );"><strong>Fair value adjustments:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans', window );">Loans</a></td>
<td class="num">(727)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles', window );">Core deposit and other intangibles</a></td>
<td class="nump">464<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit', window );">Certificates of deposit</a></td>
<td class="nump">27<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities', window );">Other net assets and liabilities</a></td>
<td class="nump">39<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument', window );">FDIC Equity Appreciation Instrument</a></td>
<td class="num">(85)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability', window );">Deferred tax liability</a></td>
<td class="num">(690)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes', window );">Measurement period adjustments, excluding taxes</a></td>
<td class="nump">28<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability', window );">Change in deferred tax liability</a></td>
<td class="nump">102<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Previously Reported</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet', window );">Net assets acquired before fair value adjustments</a></td>
<td class="nump">2,086<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract', window );"><strong>Fair value adjustments:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain on Signature Transaction, as initially reported</a></td>
<td class="nump">2,001<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Restatement Adjustment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet', window );">Net assets acquired before fair value adjustments</a></td>
<td class="nump">2,216<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract', window );"><strong>Fair value adjustments:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain on Signature Transaction, as initially reported</a></td>
<td class="nump">$ 2,131<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Certificates Of Deposit</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Change In Deferred Tax Liability</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Deferred Tax Liability</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Equity Appreciation Instrument</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Measurement Period Adjustments, Excluding Taxes</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Net Assets And Liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>In a business combination in which the amount of net identifiable assets acquired and liabilities assumed exceeds the aggregate consideration transferred or to be transferred (as defined), this element represents the amount of gain recognized by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-5<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-2<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-4<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479581/805-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to intangibles acquired in connection with a business combination for which the initial accounting was incomplete.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount recognized as of the acquisition date for the identifiable assets acquired in excess of (less than) the aggregate liabilities assumed.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 55<br> -Paragraph 37<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479303/805-10-55-37<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RestatementAxis=srt_RestatementAdjustmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RestatementAxis=srt_RestatementAdjustmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>86
<FILENAME>R61.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614454224">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations - Preliminary Allocation (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 20, 2023</div></th>
<th class="th"><div>Dec. 01, 2022</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract', window );"><strong>Fair value of liabilities assumed:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 159<span></span>
</td>
<td class="nump">$ 2,131<span></span>
</td>
<td class="nump">$ 159<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PriorPeriodAdjustmentAbstract', window );"><strong>Measurement Period Adjustments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents', window );">Cash &amp; cash equivalents</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(142)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationConsiderationTransferred1', window );">Purchase Price consideration</a></td>
<td class="nump">$ 85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents', window );">Cash &amp; cash equivalents</a></td>
<td class="nump">24,901<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale', window );">Loans held for sale</a></td>
<td class="nump">232<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="nump">11,741<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets', window );">CDI and other intangible assets</a></td>
<td class="nump">464<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther', window );">Other assets</a></td>
<td class="nump">510<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets', window );">Total assets acquired</a></td>
<td class="nump">37,848<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract', window );"><strong>Fair value of liabilities assumed:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits', window );">Deposits</a></td>
<td class="nump">33,507<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther', window );">Other liabilities</a></td>
<td class="nump">2,125<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet', window );">Fair value of net identifiable assets</a></td>
<td class="nump">2,973<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PriorPeriodAdjustmentAbstract', window );"><strong>Measurement Period Adjustments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets', window );">Loans held for investment:</a></td>
<td class="num">(477)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets', window );">Other assets</a></td>
<td class="num">(169)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets', window );">Total assets acquired</a></td>
<td class="num">(788)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities', window );">Deposits</a></td>
<td class="num">(61)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities', window );">Other liabilities</a></td>
<td class="num">(857)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities', window );">Total liabilities assumed</a></td>
<td class="num">(918)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred', window );">Fair value of net identifiable assets</a></td>
<td class="nump">130<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain', window );">Bargain purchase gain</a></td>
<td class="nump">130<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Previously Reported</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationConsiderationTransferred1', window );">Purchase Price consideration</a></td>
<td class="nump">85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents', window );">Cash &amp; cash equivalents</a></td>
<td class="nump">25,043<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale', window );">Loans held for sale</a></td>
<td class="nump">232<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="nump">12,218<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets', window );">CDI and other intangible assets</a></td>
<td class="nump">464<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther', window );">Other assets</a></td>
<td class="nump">679<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets', window );">Total assets acquired</a></td>
<td class="nump">38,636<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract', window );"><strong>Fair value of liabilities assumed:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits', window );">Deposits</a></td>
<td class="nump">33,568<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther', window );">Other liabilities</a></td>
<td class="nump">2,982<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities', window );">Total liabilities assumed</a></td>
<td class="nump">36,550<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet', window );">Fair value of net identifiable assets</a></td>
<td class="nump">2,086<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain</a></td>
<td class="nump">2,001<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Restatement Adjustment</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract', window );"><strong>Fair value of liabilities assumed:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities', window );">Total liabilities assumed</a></td>
<td class="nump">35,632<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet', window );">Fair value of net identifiable assets</a></td>
<td class="nump">2,216<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain</a></td>
<td class="nump">2,131<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="nump">9,888<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PriorPeriodAdjustmentAbstract', window );"><strong>Measurement Period Adjustments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets', window );">Loans held for investment:</a></td>
<td class="num">(214)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Commercial and industrial | Previously Reported</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="nump">10,102<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="nump">1,680<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PriorPeriodAdjustmentAbstract', window );"><strong>Measurement Period Adjustments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets', window );">Loans held for investment:</a></td>
<td class="num">(262)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Commercial real estate | Previously Reported</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="nump">1,942<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Consumer and other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="nump">173<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PriorPeriodAdjustmentAbstract', window );"><strong>Measurement Period Adjustments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets', window );">Loans held for investment:</a></td>
<td class="num">(1)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank | Consumer and other | Previously Reported</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="nump">$ 174<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationConsiderationTransferred1', window );">Purchase Price consideration</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,010<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents', window );">Cash &amp; cash equivalents</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">331<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities', window );">Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,695<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale', window );">Loans held for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,257<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">18,008<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets', window );">CDI and other intangible assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">292<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights', window );">Mortgage servicing rights</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,012<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther', window );">Other assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,158<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets', window );">Total assets acquired</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">25,753<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract', window );"><strong>Fair value of liabilities assumed:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits', window );">Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,995<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt', window );">Borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,700<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther', window );">Other liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">889<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities', window );">Total liabilities assumed</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">23,584<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet', window );">Fair value of net identifiable assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2,169<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount', window );">Bargain purchase gain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">159<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PriorPeriodAdjustmentAbstract', window );"><strong>Measurement Period Adjustments</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred', window );">Fair value of net identifiable assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 30<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,891<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6,523<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp | Consumer and other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,156<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract', window );"><strong>Fair value of assets acquired:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment', window );">Loans held for investment:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 5,438<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Bargain Purchase, Gain</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Cash And Cash Equivalents</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Core Deposit And Other Intangible Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Deposits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Loans Held For Investment</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Loans Held For Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Mortgage Servicing Rights</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Securities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>In a business combination in which the amount of net identifiable assets acquired and liabilities assumed exceeds the aggregate consideration transferred or to be transferred (as defined), this element represents the amount of gain recognized by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 30<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-5<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-2<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 25<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479668/805-30-25-4<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479581/805-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationConsiderationTransferred1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of consideration transferred, consisting of acquisition-date fair value of assets transferred by the acquirer, liabilities incurred by the acquirer, and equity interest issued by the acquirer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 30<br> -Paragraph 8<br> -SubTopic 30<br> -Topic 805<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -SubTopic 30<br> -Topic 805<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479581/805-30-50-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 30<br> -Paragraph 7<br> -SubTopic 30<br> -Topic 805<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479637/805-30-30-7<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationConsiderationTransferred1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to items of consideration transferred in connection with a business combination for which the initial accounting was incomplete.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to financial assets acquired in connection with a business combination for which the initial accounting was incomplete.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to financial liabilities assumed in connection with a business combination for which the initial accounting was incomplete.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of assets acquired at the acquisition date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions, acquired at the acquisition date. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other assets expected to be realized or consumed before one year or the normal operating cycle, if longer, acquired at the acquisition date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of long-term debt due within one year or within the normal operating cycle, if longer, assumed at the acquisition date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of other liabilities due within one year or within the normal operating cycle, if longer, assumed at the acquisition date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities assumed at the acquisition date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount recognized as of the acquisition date for the identifiable assets acquired in excess of (less than) the aggregate liabilities assumed.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 10<br> -Section 55<br> -Paragraph 37<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479303/805-10-55-37<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PriorPeriodAdjustmentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PriorPeriodAdjustmentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RestatementAxis=srt_RestatementAdjustmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RestatementAxis=srt_RestatementAdjustmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_CommercialAndIndustrialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_CommercialAndIndustrialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>87
<FILENAME>R62.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617330608">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations - PCD Loans Acquired (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 20, 2023</div></th>
<th class="th"><div>Dec. 01, 2022</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate', window );">ACL at acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="num">$ (13)<span></span>
</td>
<td class="num">$ (51)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue', window );">Par value (UPB)</a></td>
<td class="nump">$ 583<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate', window );">ACL at acquisition</a></td>
<td class="num">(13)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium', window );">Non-credit (discount)</a></td>
<td class="num">(76)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice', window );">Fair value</a></td>
<td class="nump">$ 494<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue', window );">Par value (UPB)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,950<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate', window );">ACL at acquisition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(51)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium', window );">Non-credit (discount)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(33)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice', window );">Fair value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,866<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of allowance for credit loss at acquisition date of financing receivable purchased with credit deterioration. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 19<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-19<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount at par value of financing receivable purchased with credit deterioration.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 19<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-19<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount at purchase price of financing receivable purchased with credit deterioration.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 19<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-19<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of discount (premium) attributable to other factors on financing receivable purchased with credit deterioration.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 19<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-19<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>88
<FILENAME>R63.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619968528">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Business Combinations - Pro Forma Information (Details) - Flagstar Bancorp - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessAcquisitionsProFormaNetIncomeInterest', window );">Net interest income</a></td>
<td class="nump">$ 2,278<span></span>
</td>
<td class="nump">$ 2,208<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessAcquisitionsProFormaNonInterestIncome', window );">Non-interest income</a></td>
<td class="nump">650<span></span>
</td>
<td class="nump">1,105<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss', window );">Net income</a></td>
<td class="nump">804<span></span>
</td>
<td class="nump">1,207<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders', window );">Net income available to common stockholders</a></td>
<td class="nump">$ 771<span></span>
</td>
<td class="nump">$ 1,174<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Acquisitions, Pro Forma Net Income Available To Common Stockholders</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessAcquisitionsProFormaNetIncomeInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Acquisitions, Pro Forma, Net Income Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessAcquisitionsProFormaNetIncomeInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BusinessAcquisitionsProFormaNonInterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Business Acquisitions, Pro Forma Non Interest Income</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BusinessAcquisitionsProFormaNonInterestIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The pro forma net Income or Loss for the period as if the business combination or combinations had been completed at the beginning of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479328/805-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 805<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479328/805-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>89
<FILENAME>R64.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617344384">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Accumulated Other Comprehensive Income (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtAndEquitySecuritiesGainLoss', window );">Net loss on securities</a></td>
<td class="num">$ (1)<span></span>
</td>
<td class="num">$ (2)<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefit</a></td>
<td class="num">(29)<span></span>
</td>
<td class="num">(176)<span></span>
</td>
<td class="num">(210)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="num">(79)<span></span>
</td>
<td class="nump">650<span></span>
</td>
<td class="nump">596<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">2,414<span></span>
</td>
<td class="nump">$ 696<span></span>
</td>
<td class="nump">$ 400<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember', window );">Reclassification from AOCI</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="nump">42<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember', window );">Reclassification from AOCI | Unrealized gains on available-for-sale securities:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtAndEquitySecuritiesGainLoss', window );">Net loss on securities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefit</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember', window );">Reclassification from AOCI | Unrealized gains on cash flow hedges:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefit</a></td>
<td class="num">(17)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="nump">48<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">65<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember', window );">Reclassification from AOCI | Accumulated Defined Benefit Plans Adjustment Attributable to Parent</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Amortization of defined benefit pension plan items:</a></td>
<td class="num">(7)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax benefit</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember', window );">Reclassification from AOCI | Past service liability</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Amortization of defined benefit pension plan items:</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember', window );">Reclassification from AOCI | Actuarial losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems', window );"><strong>Accumulated Other Comprehensive Income (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Amortization of defined benefit pension plan items:</a></td>
<td class="num">$ (7)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-4<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-5<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481674/830-30-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481694/830-30-45-17<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481694/830-30-45-20<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481694/830-30-45-20<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481694/830-30-45-20<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481694/830-30-45-20<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtAndEquitySecuritiesGainLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized and realized gain (loss) on investment in debt and equity securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(7)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(9)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtAndEquitySecuritiesGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of net periodic benefit cost (credit) for defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 18<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-18<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-10<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -SubTopic 20<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482659/740-20-45-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -SubTopic 10<br> -Topic 235<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483581/946-220-45-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482925/835-30-45-3<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.9)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (210.5-03(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483013/835-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483581/946-220-45-7<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483499/205-20-50-7<br><br>Reference 35: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 38: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 39: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis=us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>90
<FILENAME>R65.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617066864">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investment Securities - Summary of Investment Securities (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">$ 9,145<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">9,145<span></span>
</td>
<td class="nump">$ 9,060<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFVNIAbstract', window );"><strong>Equity securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNi', window );">Fair Value</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesAbstract', window );"><strong>Total Securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities', window );">Amortized Cost</a></td>
<td class="nump">9,958<span></span>
</td>
<td class="nump">9,933<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_MarketableSecuritiesGrossUnrealizedGain', window );">Gross Unrealized Gain</a></td>
<td class="nump">62<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_MarketableSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Loss</a></td>
<td class="nump">861<span></span>
</td>
<td class="nump">873<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent', window );">Total securities</a></td>
<td class="nump">9,159<span></span>
</td>
<td class="nump">9,074<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss', window );">Interest receivable</a></td>
<td class="nump">$ 38<span></span>
</td>
<td class="nump">31<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList', window );">Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</a></td>
<td class="text">Other assets<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember', window );">Mortgage Backed Securities And Other Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">$ 9,942<span></span>
</td>
<td class="nump">9,917<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">62<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">859<span></span>
</td>
<td class="nump">871<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">9,145<span></span>
</td>
<td class="nump">9,060<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage- Related Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">7,035<span></span>
</td>
<td class="nump">5,242<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">528<span></span>
</td>
<td class="nump">460<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">6,563<span></span>
</td>
<td class="nump">4,789<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember', window );">GSE certificates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">1,366<span></span>
</td>
<td class="nump">1,457<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">146<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">1,221<span></span>
</td>
<td class="nump">1,297<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">GSE CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">5,495<span></span>
</td>
<td class="nump">3,600<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">48<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">381<span></span>
</td>
<td class="nump">300<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">5,162<span></span>
</td>
<td class="nump">3,301<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember', window );">Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">174<span></span>
</td>
<td class="nump">185<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">180<span></span>
</td>
<td class="nump">191<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">2,907<span></span>
</td>
<td class="nump">4,675<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">331<span></span>
</td>
<td class="nump">411<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">2,582<span></span>
</td>
<td class="nump">4,271<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USTreasurySecuritiesMember', window );">U. S. Treasury obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">198<span></span>
</td>
<td class="nump">1,491<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">198<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember', window );">GSE debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">1,899<span></span>
</td>
<td class="nump">1,749<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">291<span></span>
</td>
<td class="nump">351<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">1,609<span></span>
</td>
<td class="nump">1,398<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember', window );">Asset-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">307<span></span>
</td>
<td class="nump">375<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">302<span></span>
</td>
<td class="nump">361<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MunicipalBondsMember', window );">Municipal bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateBondSecuritiesMember', window );">Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">365<span></span>
</td>
<td class="nump">913<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">343<span></span>
</td>
<td class="nump">885<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=fbc_ForeignNotesMember', window );">Foreign notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">35<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateNoteSecuritiesMember', window );">Capital trust notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Debt securities available-for-sale</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">97<span></span>
</td>
<td class="nump">97<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax', window );">Gross Unrealized Gain</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax', window );">Gross Unrealized Loss</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">90<span></span>
</td>
<td class="nump">90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember', window );">Equity Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFVNIAbstract', window );"><strong>Equity securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCost', window );">Amortized Cost</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">16<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_EquitySecuritiesUnrealizedLoss', window );">Gross Unrealized Loss</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNi', window );">Fair Value</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesAbstract', window );"><strong>Total Securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_MarketableSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MutualFundMember', window );">Mutual funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFVNIAbstract', window );"><strong>Equity securities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCost', window );">Amortized Cost</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">16<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_EquitySecuritiesUnrealizedLoss', window );">Gross Unrealized Loss</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNi', window );">Fair Value</a></td>
<td class="nump">$ 14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesAbstract', window );"><strong>Total Securities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_MarketableSecuritiesGrossUnrealizedLoss', window );">Gross Unrealized Loss</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 2<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Securities, Available For Sale, Excluding Interest and Equity Securities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Securities, Available For Sale, Excluding Interest and Equity Securities, Current</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_EquitySecuritiesUnrealizedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity Securities, Unrealized Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_EquitySecuritiesUnrealizedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_MarketableSecuritiesGrossUnrealizedGain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Marketable Securities Gross Unrealized Gain</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_MarketableSecuritiesGrossUnrealizedGain</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_MarketableSecuritiesGrossUnrealizedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Marketable Securities Gross Unrealized Loss</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_MarketableSecuritiesGrossUnrealizedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of unrealized gain in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of unrealized loss in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after allowance for credit loss, of accrued interest on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479130/326-30-45-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-3A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of financial position that includes accrued interest, after allowance for credit loss, on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-3A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, after allowance for credit loss, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquitySecuritiesFVNIAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquitySecuritiesFVNIAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquitySecuritiesFvNi">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI), classified as current.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483467/210-10-45-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482736/825-10-45-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquitySecuritiesFvNi</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquitySecuritiesFvNiCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cost of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI). Excludes equity method investment and investment in equity security without readily determinable fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquitySecuritiesFvNiCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MarketableSecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CollateralizedMortgageObligationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CollateralizedMortgageObligationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_USTreasurySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_USTreasurySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MunicipalBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MunicipalBondsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateBondSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CorporateBondSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=fbc_ForeignNotesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=fbc_ForeignNotesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateNoteSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CorporateNoteSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MutualFundMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MutualFundMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>91
<FILENAME>R66.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616106960">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities - Investment Securities, Narrative (Details)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th">
<div>Mar. 12, 2023 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($) </div>
<div>loan</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($) </div>
<div>loan </div>
<div>security</div>
</th>
<th class="th">
<div>Dec. 31, 2021 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStock', window );">Federal home loan bank stock | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,392,000,000<span></span>
</td>
<td class="nump">$ 1,267,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalReserveBankStock', window );">Federal reserve bank stock | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">203,000,000<span></span>
</td>
<td class="nump">176,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiUnrealizedLoss', window );">Gross unrealized loss | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">9,145,000,000<span></span>
</td>
<td class="nump">9,060,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateBondSecuritiesMember', window );">Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 343,000,000<span></span>
</td>
<td class="nump">$ 885,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CounterpartyNameAxis=fbc_SignatureBankMember', window );">Signature Bank | Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value | $</a></td>
<td class="nump">$ 20,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_CollateralizedDebtObligationsMember', window );">Collateralized Debt Obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths', window );">Number of securities continuous unrealized loss position more than twelve months | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">84<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_CorporateNoteSecuritiesMember', window );">Capital trust notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions', window );">Number of securities continuous unrealized loss position more than twelve months | security</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths', window );">Number of securities continuous unrealized loss position more than twelve months | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_AssetBackedSecuritiesMember', window );">Asset-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions', window );">Number of securities continuous unrealized loss position more than twelve months | security</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths', window );">Number of securities continuous unrealized loss position more than twelve months | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_CorporateBondSecuritiesMember', window );">Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions', window );">Number of securities continuous unrealized loss position more than twelve months | security</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths', window );">Number of securities continuous unrealized loss position more than twelve months | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_CorporateBondSecuritiesMember', window );">Corporate bonds | Signature Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease', window );">Provision for credit loss | $</a></td>
<td class="nump">$ 20,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember', window );">US Government Agencies Debt Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths', window );">Number of securities continuous unrealized loss position more than twelve months | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">37<span></span>
</td>
<td class="nump">33<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage- Related Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths', window );">Number of securities continuous unrealized loss position more than twelve months | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">302<span></span>
</td>
<td class="nump">133<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_MutualFundMember', window );">Mutual funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions', window );">Number of securities continuous unrealized loss position more than twelve months | security</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths', window );">Number of securities continuous unrealized loss position more than twelve months | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=us-gaap_MunicipalBondsMember', window );">Municipal bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions', window );">Number of securities continuous unrealized loss position more than twelve months | security</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths', window );">Number of securities continuous unrealized loss position more than twelve months | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentTypeAxis=fbc_ForeignNotesMember', window );">Foreign notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths', window );">Number of securities continuous unrealized loss position more than twelve months | loan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis=srt_FederalHomeLoanBankOfNewYorkMember', window );">Federal Home Loan Bank of New York</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStock', window );">Federal home loan bank stock | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 861,000,000<span></span>
</td>
<td class="nump">$ 762,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis=srt_FederalHomeLoanBankOfIndianapolisMember', window );">Federal Home Loan Bank of Indianapolis</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfInvestmentsLineItems', window );"><strong>Schedule of Investments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStock', window );">Federal home loan bank stock | $</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 329,000,000<span></span>
</td>
<td class="nump">$ 329,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number Of Securities Continuous Unrealized Loss Position More Than Twelve Months</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in allowance for credit loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and beneficial interest, purchased with credit deterioration.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for 12 months or longer, without an allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquitySecuritiesFvNiUnrealizedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized loss on investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 321<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479536/321-10-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquitySecuritiesFvNiUnrealizedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 325<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481026/942-325-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalReserveBankStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Federal Reserve Bank stock represents an equity interest in the Federal Reserve Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 325<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481026/942-325-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalReserveBankStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfInvestmentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 1)(b)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column A)(Footnote 2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column A)(Footnote 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column A)(Footnote 2)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column A)(Footnote 2)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column A)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 6))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column B)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 8))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 8)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 8)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 8)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 8)(b)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 8)(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 8)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column C)(Footnote 10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column D))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 1)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 1)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 32: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 4)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 6))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 35: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column B)(Footnote 10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 38: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 39: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 11)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 40: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 11)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 41: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 11)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 42: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 11)(b)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 43: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 11)(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 44: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 11)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 45: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 12))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 46: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column C)(Footnote 13))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 47: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 48: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 49: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column F))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 50: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 1)(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 51: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 1)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 52: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 1)(a)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 53: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 1)(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 54: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 1)(b)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 55: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 1)(b)(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 56: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 1)(b)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 57: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 1)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 58: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 59: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column F)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 60: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column F)(Footnote 5)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 61: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column F)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 62: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column F)(Footnote 8))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 63: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column F)(Footnote 9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 64: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 19<br> -Subparagraph (1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-19<br><br>Reference 65: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 19<br> -Subparagraph (3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-19<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfInvestmentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateBondSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CorporateBondSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CounterpartyNameAxis=fbc_SignatureBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CounterpartyNameAxis=fbc_SignatureBankMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_CollateralizedDebtObligationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_CollateralizedDebtObligationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_CorporateNoteSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_CorporateNoteSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_AssetBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_AssetBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_CorporateBondSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_CorporateBondSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_USGovernmentAgenciesDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_MutualFundMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_MutualFundMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_MunicipalBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_MunicipalBondsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=fbc_ForeignNotesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=fbc_ForeignNotesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis=srt_FederalHomeLoanBankOfNewYorkMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis=srt_FederalHomeLoanBankOfNewYorkMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis=srt_FederalHomeLoanBankOfIndianapolisMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis=srt_FederalHomeLoanBankOfIndianapolisMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>92
<FILENAME>R67.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618010752">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Investment Securities - Realized Gain/Loss (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract', window );"><strong>Investments, Debt and Equity Securities [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt', window );">Proceeds from sales of securities available for sale including loans that have been securitized</a></td>
<td class="nump">$ 1,637<span></span>
</td>
<td class="nump">$ 228<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain', window );">Gross realized gains</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss', window );">Gross realized losses</a></td>
<td class="num">$ (3)<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of realized gain on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleRealizedGain</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of realized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from sale of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481830/320-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-9<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-12<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>93
<FILENAME>R68.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615515776">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investment Securities - Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Due within one year</a></td>
<td class="nump">$ 446<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Due from one to five years</a></td>
<td class="nump">560<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Due from five to ten years</a></td>
<td class="nump">1,597<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Due after ten years</a></td>
<td class="nump">6,542<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">9,145<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage- Related Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Due within one year</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Due from one to five years</a></td>
<td class="nump">178<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Due from five to ten years</a></td>
<td class="nump">316<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Due after ten years</a></td>
<td class="nump">6,541<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">7,035<span></span>
</td>
<td class="nump">$ 5,242<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USTreasuryAndGovernmentMember', window );">U.S. Government and GSE Obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Due within one year</a></td>
<td class="nump">448<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Due from one to five years</a></td>
<td class="nump">50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Due from five to ten years</a></td>
<td class="nump">1,502<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Due after ten years</a></td>
<td class="nump">96<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">2,096<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember', window );">State, County, and Municipal</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Due within one year</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Due from one to five years</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Due from five to ten years</a></td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Due after ten years</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_OtherDebtSecuritiesMember', window );">Other Debt Obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Due within one year</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Due from one to five years</a></td>
<td class="nump">353<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Due from five to ten years</a></td>
<td class="nump">105<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Due after ten years</a></td>
<td class="nump">345<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Amortized Cost</a></td>
<td class="nump">$ 803<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in sixth through tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in second through fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing after tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, after allowance for credit loss, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aaa)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_USTreasuryAndGovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_USTreasuryAndGovernmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_OtherDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_OtherDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>94
<FILENAME>R69.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734607415296">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Investment Securities - Summary of Unrealized Loss Positions on Investment Securities (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">$ 2,357<span></span>
</td>
<td class="nump">$ 5,658<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">84<span></span>
</td>
<td class="nump">122<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">4,198<span></span>
</td>
<td class="nump">2,911<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">777<span></span>
</td>
<td class="nump">751<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">6,555<span></span>
</td>
<td class="nump">8,569<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">861<span></span>
</td>
<td class="nump">873<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | U. S. Treasury obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | U.S. Government and GSE Obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">181<span></span>
</td>
<td class="nump">243<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">1,362<span></span>
</td>
<td class="nump">1,156<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">290<span></span>
</td>
<td class="nump">346<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">1,543<span></span>
</td>
<td class="nump">1,399<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">291<span></span>
</td>
<td class="nump">351<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | GSE certificates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">312<span></span>
</td>
<td class="nump">871<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">46<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">843<span></span>
</td>
<td class="nump">420<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">141<span></span>
</td>
<td class="nump">114<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">1,155<span></span>
</td>
<td class="nump">1,291<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">146<span></span>
</td>
<td class="nump">160<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">29<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | GSE CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">1,835<span></span>
</td>
<td class="nump">2,219<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">77<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">1,312<span></span>
</td>
<td class="nump">925<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">304<span></span>
</td>
<td class="nump">264<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">3,147<span></span>
</td>
<td class="nump">3,144<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">381<span></span>
</td>
<td class="nump">300<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | Asset-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">228<span></span>
</td>
<td class="nump">262<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">228<span></span>
</td>
<td class="nump">323<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | Municipal bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">16<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">698<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">27<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">343<span></span>
</td>
<td class="nump">97<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">343<span></span>
</td>
<td class="nump">795<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | Foreign notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Debt Securities | Capital trust notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">46<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">81<span></span>
</td>
<td class="nump">34<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">81<span></span>
</td>
<td class="nump">80<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">12<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember', window );">Equity Securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Debt Securities, Available-for-sale [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months', window );">Less than Twelve Months, Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss', window );">Less than Twelve Months, Unrealized Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger', window );">Twelve Months or Longer, Fair Value</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss', window );">Twelve Months or Longer, Unrealized Loss</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition', window );">Fair Value</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss', window );">Unrealized Loss</a></td>
<td class="nump">$ 2<span></span>
</td>
<td class="nump">$ 2<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for more than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479081/326-30-55-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-7<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for 12 months or longer, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479081/326-30-55-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-7<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-7<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position without allowance for credit loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479081/326-30-55-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479106/326-30-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aa)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (aaa)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 320<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481800/320-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_USTreasurySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_USTreasurySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_USTreasuryAndGovernmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_USTreasuryAndGovernmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=fbc_PrivateLabelCMOsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=fbc_PrivateLabelCMOsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_CollateralizedMortgageObligationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_CollateralizedMortgageObligationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_AssetBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_AssetBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_MunicipalBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_MunicipalBondsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_CorporateBondSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_CorporateBondSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=fbc_ForeignNotesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=fbc_ForeignNotesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentTypeAxis=us-gaap_CorporateNoteSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentTypeAxis=us-gaap_CorporateNoteSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>95
<FILENAME>R70.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617098112">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Leases - Components (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 84,619<span></span>
</td>
<td class="nump">$ 69,001<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses on loans and leases</a></td>
<td class="num">(992)<span></span>
</td>
<td class="num">(393)<span></span>
</td>
<td class="num">$ (199)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Total loans and leases held for investment, net</a></td>
<td class="nump">83,627<span></span>
</td>
<td class="nump">68,608<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleAmount', window );">Loans held for sale ($902 and $1,115 measured at fair value, respectively)</a></td>
<td class="nump">1,182<span></span>
</td>
<td class="nump">1,115<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale', window );">Total loans and leases, net</a></td>
<td class="nump">$ 84,809<span></span>
</td>
<td class="nump">$ 69,723<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount', window );">Unearned income</a></td>
<td class="nump">$ 258<span></span>
</td>
<td class="nump">$ 85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss', window );">Accrued interest receivable</a></td>
<td class="nump">$ 423<span></span>
</td>
<td class="nump">$ 292<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList', window );">Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]</a></td>
<td class="text">Other assets<span></span>
</td>
<td class="text">Other assets<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 27,911<span></span>
</td>
<td class="nump">$ 14,528<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">33.00%<span></span>
</td>
<td class="nump">21.10%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 56,708<span></span>
</td>
<td class="nump">$ 54,473<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses on loans and leases</a></td>
<td class="num">$ (756)<span></span>
</td>
<td class="num">$ (290)<span></span>
</td>
<td class="num">(178)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">67.00%<span></span>
</td>
<td class="nump">78.90%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 37,265<span></span>
</td>
<td class="nump">$ 38,130<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">44.00%<span></span>
</td>
<td class="nump">55.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 10,470<span></span>
</td>
<td class="nump">$ 8,526<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">12.40%<span></span>
</td>
<td class="nump">12.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 6,061<span></span>
</td>
<td class="nump">$ 5,821<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">7.20%<span></span>
</td>
<td class="nump">8.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 2,912<span></span>
</td>
<td class="nump">$ 1,996<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">3.40%<span></span>
</td>
<td class="nump">2.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 27,911<span></span>
</td>
<td class="nump">$ 14,528<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses on loans and leases</a></td>
<td class="num">(236)<span></span>
</td>
<td class="num">(103)<span></span>
</td>
<td class="num">$ (21)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 25,254<span></span>
</td>
<td class="nump">$ 12,276<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">29.90%<span></span>
</td>
<td class="nump">17.80%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 22,065<span></span>
</td>
<td class="nump">$ 10,597<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">26.10%<span></span>
</td>
<td class="nump">15.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Lease financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 3,189<span></span>
</td>
<td class="nump">$ 1,679<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">3.80%<span></span>
</td>
<td class="nump">2.40%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Specialty finance loans and leases</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 5,200<span></span>
</td>
<td class="nump">$ 4,400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total loans and leases held for investment</a></td>
<td class="nump">$ 2,657<span></span>
</td>
<td class="nump">$ 2,252<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent', window );">Percent of loans held for investment</a></td>
<td class="nump">3.10%<span></span>
</td>
<td class="nump">3.30%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Excluding Accrued Interest, After Allowance For Credit Loss And Financing Receivable, Held For Sale</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage, before allowance for credit loss, of financing receivable to total financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph (c)<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after allowance for credit loss, of accrued interest on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-5<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of financial position that includes accrued interest, after allowance for credit loss, on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before valuation allowance, of financing receivable classified as held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481990/310-10-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 948<br> -SubTopic 310<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481852/948-310-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableHeldForSaleAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of undiscounted lease receivable in excess of discounted receivable for sales-type and direct financing leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_LeaseFinancingLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_LeaseFinancingLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_SpecialtyFinanceLoansAndLeasesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_SpecialtyFinanceLoansAndLeasesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>96
<FILENAME>R71.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624450640">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Leases - Narrative (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableWithGovernmentGuaranty', window );">LGG loans</a></td>
<td class="nump">$ 541<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability', window );">LGG loans, repurchase liability</a></td>
<td class="nump">456<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ForeclosedAssets', window );">LGG loans, repossessed assets</a></td>
<td class="nump">14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleAmount', window );">Loans held-for-sale</a></td>
<td class="nump">1,182<span></span>
</td>
<td class="nump">$ 1,115<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableReclassificationToHeldForSale', window );">Loans reclassified to held-for-sale</a></td>
<td class="nump">360<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing', window );">Loans 90 days or greater past due and still accruing</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MortgageLoansInProcessOfForeclosureAmount', window );">Residential mortgage loans in process of foreclosure</a></td>
<td class="nump">81<span></span>
</td>
<td class="nump">121<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment</a></td>
<td class="nump">83,627<span></span>
</td>
<td class="nump">68,608<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Loans modified</a></td>
<td class="nump">262<span></span>
</td>
<td class="nump">$ 44<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember', window );">Term Extension</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Loans modified</a></td>
<td class="nump">25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember', window );">Combination - Interest Rate Reduction &amp; Term Extension</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Loans modified</a></td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember', window );">One-to-four family first mortgage | Term Extension</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault', window );">Loans modified that subsequently defaulted</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember', window );">One-to-four family first mortgage | Combination - Interest Rate Reduction &amp; Term Extension</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault', window );">Loans modified that subsequently defaulted</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Loans modified</a></td>
<td class="nump">14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Term Extension</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Loans modified</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Combination - Interest Rate Reduction &amp; Term Extension</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Loans modified</a></td>
<td class="nump">$ 6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivableWithGovernmentGuaranty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, With Government Guaranty</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivableWithGovernmentGuaranty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, With Government Guaranty, Repurchase Liability</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsNotesAndLoansReceivableLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable 90 days or more past due and still accruing. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-16<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable with payment default in current period and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 44<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-44<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableReclassificationToHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of financing receivable reclassified to held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-11<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 11B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableReclassificationToHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ForeclosedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings or defeasance; includes real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481990/310-10-45-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ForeclosedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before valuation allowance, of financing receivable classified as held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481990/310-10-45-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 948<br> -SubTopic 310<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481852/948-310-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableHeldForSaleAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageLoansInProcessOfForeclosureAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Recorded investment of consumer mortgage loan receivables secured by residential real estate properties for which formal foreclosure proceedings are in process.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 35<br> -SubTopic 10<br> -Topic 310<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-35<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MortgageLoansInProcessOfForeclosureAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>97
<FILENAME>R72.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617160800">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Leases - Quality of Loans Held for Investment (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">$ 84,619<span></span>
</td>
<td class="nump">$ 69,001<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual', window );">Non- Accrual Loans</a></td>
<td class="nump">428<span></span>
</td>
<td class="nump">141<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment</a></td>
<td class="nump">83,627<span></span>
</td>
<td class="nump">68,608<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=fbc_OfficersAndDirectorsMember', window );">Officers And Directors</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss', window );">Loans held for investment</a></td>
<td class="nump">9<span></span>
</td>
<td class="nump">101<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=fbc_FinancialAsset30To89DaysPastDueMember', window );">Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">250<span></span>
</td>
<td class="nump">70<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetPastDueMember', window );">Total Past Due Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">678<span></span>
</td>
<td class="nump">211<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember', window );">Current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">83,941<span></span>
</td>
<td class="nump">68,790<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember', window );">Multi-family | Current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">207<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">27,911<span></span>
</td>
<td class="nump">14,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">56,708<span></span>
</td>
<td class="nump">54,473<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">37,265<span></span>
</td>
<td class="nump">38,130<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual', window );">Non- Accrual Loans</a></td>
<td class="nump">138<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">121<span></span>
</td>
<td class="nump">34<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Total Past Due Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">259<span></span>
</td>
<td class="nump">47<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">37,006<span></span>
</td>
<td class="nump">38,083<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">10,470<span></span>
</td>
<td class="nump">8,526<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual', window );">Non- Accrual Loans</a></td>
<td class="nump">128<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">28<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Total Past Due Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">156<span></span>
</td>
<td class="nump">22<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">10,314<span></span>
</td>
<td class="nump">8,504<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">6,061<span></span>
</td>
<td class="nump">5,821<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual', window );">Non- Accrual Loans</a></td>
<td class="nump">95<span></span>
</td>
<td class="nump">92<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">40<span></span>
</td>
<td class="nump">21<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Total Past Due Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">135<span></span>
</td>
<td class="nump">113<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">5,926<span></span>
</td>
<td class="nump">5,708<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">2,912<span></span>
</td>
<td class="nump">1,996<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual', window );">Non- Accrual Loans</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Total Past Due Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">4<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">2,908<span></span>
</td>
<td class="nump">1,996<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">27,911<span></span>
</td>
<td class="nump">14,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">25,254<span></span>
</td>
<td class="nump">12,276<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual', window );">Non- Accrual Loans</a></td>
<td class="nump">43<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">37<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Total Past Due Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">80<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">25,174<span></span>
</td>
<td class="nump">12,271<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">2,657<span></span>
</td>
<td class="nump">2,252<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual', window );">Non- Accrual Loans</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Total Past Due Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">44<span></span>
</td>
<td class="nump">24<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Current</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems', window );"><strong>Financing Receivable, Recorded Investment, Past Due</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">$ 2,613<span></span>
</td>
<td class="nump">$ 2,228<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable on nonaccrual status. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-16<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 14<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-14<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 80<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-80<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=fbc_OfficersAndDirectorsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RelatedPartyTransactionsByRelatedPartyAxis=fbc_OfficersAndDirectorsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=fbc_FinancialAsset30To89DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=fbc_FinancialAsset30To89DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>98
<FILENAME>R73.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617184448">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Leases - Loans Held for Investment by Credit Quality Indicator (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">$ 84,619<span></span>
</td>
<td class="nump">$ 69,001<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">27,911<span></span>
</td>
<td class="nump">14,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">56,708<span></span>
</td>
<td class="nump">54,473<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">51,057<span></span>
</td>
<td class="nump">52,195<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">1,192<span></span>
</td>
<td class="nump">1,106<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">4,459<span></span>
</td>
<td class="nump">1,172<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">37,265<span></span>
</td>
<td class="nump">38,130<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">34,170<span></span>
</td>
<td class="nump">36,622<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">768<span></span>
</td>
<td class="nump">864<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,327<span></span>
</td>
<td class="nump">644<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">10,470<span></span>
</td>
<td class="nump">8,526<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">8,734<span></span>
</td>
<td class="nump">7,871<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">367<span></span>
</td>
<td class="nump">230<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">1,369<span></span>
</td>
<td class="nump">425<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">6,061<span></span>
</td>
<td class="nump">5,821<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">5,328<span></span>
</td>
<td class="nump">5,710<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">733<span></span>
</td>
<td class="nump">103<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,912<span></span>
</td>
<td class="nump">1,996<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,825<span></span>
</td>
<td class="nump">1,992<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">57<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">30<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">27,911<span></span>
</td>
<td class="nump">14,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">27,317<span></span>
</td>
<td class="nump">14,446<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">335<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">259<span></span>
</td>
<td class="nump">64<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">25,254<span></span>
</td>
<td class="nump">12,276<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">24,683<span></span>
</td>
<td class="nump">12,208<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">335<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">236<span></span>
</td>
<td class="nump">50<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,657<span></span>
</td>
<td class="nump">2,252<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,634<span></span>
</td>
<td class="nump">2,238<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">23<span></span>
</td>
<td class="nump">$ 14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems', window );"><strong>Financing Receivable, Recorded Investment</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>99
<FILENAME>R74.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614974320">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Leases - Loans Held for Investment by Credit Quality Indicator - Amortized Basis (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">$ 12,297<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">17,429<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">12,633<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">10,359<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">6,635<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">13,920<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">10,900<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">446<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">84,619<span></span>
</td>
<td class="nump">$ 69,001<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract', window );"><strong>Current-period gross write-offs</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Current-period gross write-offs</a></td>
<td class="nump">223<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">27,911<span></span>
</td>
<td class="nump">14,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">2,577<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">13,610<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">10,635<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">9,181<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">5,678<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">12,921<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">1,995<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">111<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">56,708<span></span>
</td>
<td class="nump">54,473<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract', window );"><strong>Current-period gross write-offs</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff', window );">2023</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff', window );">2022</a></td>
<td class="num">(112)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff', window );">2021</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff', window );">2020</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff', window );">2019</a></td>
<td class="num">(2)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff', window );">Prior To 2019</a></td>
<td class="num">(64)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff', window );">Revolving Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Current-period gross write-offs</a></td>
<td class="nump">178<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">2,532<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">13,295<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">10,308<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">8,438<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">4,725<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">9,670<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">1,981<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">108<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">51,057<span></span>
</td>
<td class="nump">52,195<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">217<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">69<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">407<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">144<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">341<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">1,192<span></span>
</td>
<td class="nump">1,106<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">45<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">98<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">258<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">336<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">809<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">2,910<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">4,459<span></span>
</td>
<td class="nump">1,172<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">37,265<span></span>
</td>
<td class="nump">38,130<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">34,170<span></span>
</td>
<td class="nump">36,622<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">768<span></span>
</td>
<td class="nump">864<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,327<span></span>
</td>
<td class="nump">644<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">10,470<span></span>
</td>
<td class="nump">8,526<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">8,734<span></span>
</td>
<td class="nump">7,871<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">367<span></span>
</td>
<td class="nump">230<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">1,369<span></span>
</td>
<td class="nump">425<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">6,061<span></span>
</td>
<td class="nump">5,821<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">5,328<span></span>
</td>
<td class="nump">5,710<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">733<span></span>
</td>
<td class="nump">103<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,912<span></span>
</td>
<td class="nump">1,996<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,825<span></span>
</td>
<td class="nump">1,992<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">57<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">30<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Acquisition, development, and construction | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">9,720<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">3,819<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">1,998<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">1,178<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">957<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">999<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">8,905<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">335<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">27,911<span></span>
</td>
<td class="nump">14,528<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract', window );"><strong>Current-period gross write-offs</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff', window );">2023</a></td>
<td class="num">(2)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff', window );">2022</a></td>
<td class="num">(10)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff', window );">2021</a></td>
<td class="num">(5)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff', window );">2020</a></td>
<td class="num">(8)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff', window );">2019</a></td>
<td class="num">(2)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff', window );">Prior To 2019</a></td>
<td class="num">(18)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff', window );">Revolving Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Current-period gross write-offs</a></td>
<td class="nump">45<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">9,709<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">3,598<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">1,936<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">1,141<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">911<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">941<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">8,757<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">324<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">27,317<span></span>
</td>
<td class="nump">14,446<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">182<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">17<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">18<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">102<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">335<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">39<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">45<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">28<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">40<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">40<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">46<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">259<span></span>
</td>
<td class="nump">64<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear', window );">2023</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear', window );">2022</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear', window );">2021</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear', window );">2020</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear', window );">2019</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear', window );">Prior To 2019</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving', window );">Revolving Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan', window );">Revolving Loans Converted to Term Loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">25,254<span></span>
</td>
<td class="nump">12,276<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">24,683<span></span>
</td>
<td class="nump">12,208<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">335<span></span>
</td>
<td class="nump">18<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">236<span></span>
</td>
<td class="nump">50<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial loans and lease financing | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,657<span></span>
</td>
<td class="nump">2,252<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Pass</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">2,634<span></span>
</td>
<td class="nump">2,238<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Special mention</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Substandard</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">23<span></span>
</td>
<td class="nump">$ 14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Doubtful</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract', window );"><strong>Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Total</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of writeoff of financing receivable originated more than five years before current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable that can be withdrawn, repaid, and redrawn.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestRevolving</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of revolving financing receivable converted to term loan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6A<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of writeoff of revolving financing receivable converted to term loan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of writeoff of financing receivable that can be withdrawn, repaid, and redrawn.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of writeoff of financing receivable originated four years before current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of writeoff of financing receivable originated three years before current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated in current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of writeoff of financing receivable originated in current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of writeoff of financing receivable originated two years before current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 79<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479294/326-20-55-79<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of writeoff of financing receivable originated in fiscal year before current fiscal year. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>100
<FILENAME>R75.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614423776">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Leases - Collateral (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">$ 84,619<span></span>
</td>
<td class="nump">$ 69,001<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">27,911<span></span>
</td>
<td class="nump">14,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">56,708<span></span>
</td>
<td class="nump">54,473<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">37,265<span></span>
</td>
<td class="nump">38,130<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">10,470<span></span>
</td>
<td class="nump">8,526<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">6,061<span></span>
</td>
<td class="nump">5,821<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">27,911<span></span>
</td>
<td class="nump">14,528<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">22,065<span></span>
</td>
<td class="nump">10,597<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">2,657<span></span>
</td>
<td class="nump">$ 2,252<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_RealPropertyCollateralMember', window );">Real Property | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">614<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_RealPropertyCollateralMember', window );">Real Property | Mortgage Loans | Multi-family | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">253<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_RealPropertyCollateralMember', window );">Real Property | Mortgage Loans | Commercial real estate | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">256<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_RealPropertyCollateralMember', window );">Real Property | Mortgage Loans | One-to-four family first mortgage | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">105<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_RealPropertyCollateralMember', window );">Real Property | Other Loans: | Commercial and industrial | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_OtherCollateralMember', window );">Other | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_OtherCollateralMember', window );">Other | Mortgage Loans | Multi-family | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_OtherCollateralMember', window );">Other | Mortgage Loans | Commercial real estate | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_OtherCollateralMember', window );">Other | Mortgage Loans | One-to-four family first mortgage | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=fbc_OtherCollateralMember', window );">Other | Other Loans: | Commercial and industrial | Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems', window );"><strong>Financial Instruments Owned and Pledged as Collateral [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">$ 120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481444/860-30-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CollateralAxis=fbc_RealPropertyCollateralMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=fbc_RealPropertyCollateralMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PledgedStatusAxis=us-gaap_AssetPledgedAsCollateralMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PledgedStatusAxis=us-gaap_AssetPledgedAsCollateralMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CollateralAxis=fbc_OtherCollateralMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=fbc_OtherCollateralMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>101
<FILENAME>R76.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618062624">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Leases - Loan Modifications (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 262<span></span>
</td>
<td class="nump">$ 44<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 122<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent', window );">Percent of Total Loan class</a></td>
<td class="nump">1.17%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 103<span></span>
</td>
<td class="nump">35<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent', window );">Percent of Total Loan class</a></td>
<td class="nump">0.98%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent', window );">Percent of Total Loan class</a></td>
<td class="nump">0.23%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 21<span></span>
</td>
<td class="nump">$ 3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent', window );">Percent of Total Loan class</a></td>
<td class="nump">0.08%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent', window );">Percent of Total Loan class</a></td>
<td class="nump">0.08%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 227<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 122<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Multi-family | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">7.45%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Multi-family | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">6.02%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 102<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Commercial real estate | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">8.83%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Commercial real estate | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">4.56%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification', window );">Weighted-average Term (in years)</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | One-to-four family first mortgage | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">6.08%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | One-to-four family first mortgage | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">4.79%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification', window );">Weighted-average Term (in years)</a></td>
<td class="text">6 months 29 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Commercial and industrial | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">8.44%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Commercial and industrial | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">8.08%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification', window );">Weighted-average Term (in years)</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Other | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">9.09%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Mortgage Loans | Other | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification', window );">Weighted-average contractual interest rate</a></td>
<td class="nump">4.82%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Other Loans: | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember', window );">Interest Rate Reduction | Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember', window );">Term Extension</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember', window );">Term Extension | Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember', window );">Term Extension | Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember', window );">Term Extension | Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember', window );">Term Extension | Other Loans: | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">19<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember', window );">Term Extension | Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember', window );">Combination - Interest Rate Reduction &amp; Term Extension</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember', window );">Combination - Interest Rate Reduction &amp; Term Extension | Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember', window );">Combination - Interest Rate Reduction &amp; Term Extension | Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember', window );">Combination - Interest Rate Reduction &amp; Term Extension | Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">6<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember', window );">Combination - Interest Rate Reduction &amp; Term Extension | Other Loans: | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember', window );">Combination - Interest Rate Reduction &amp; Term Extension | Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Amortized Cost</a></td>
<td class="nump">$ 2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage, excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty to total financing receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-33<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 34<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-34<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of decrease in weighted average contractual interest rate of financing receivable modified for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period of increase in weighted average maturity of financing receivable modified for debtor experiencing financial difficulty, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoanRestructuringModificationAxis=us-gaap_ContractualInterestRateReductionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoanRestructuringModificationAxis=us-gaap_ExtendedMaturityAndInterestRateReductionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>102
<FILENAME>R77.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618117664">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Loans and Leases - Performance of Loans Modified in Last 12 Months (Details)<br> $ in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">$ 27<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember', window );">Current</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=fbc_FinancialAsset30To89DaysPastDueMember', window );">Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember', window );">90+ Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Current</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage | 90+ Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Current</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate | 90+ Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial | Current</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial | 90+ Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Current</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | Loans 30-89 Days Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other | 90+ Past Due</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months', window );">Total</a></td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable 12 months after modification for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-33<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 34<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-34<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancialAssetNotPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=fbc_FinancialAsset30To89DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=fbc_FinancialAsset30To89DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesPeriodPastDueAxis=us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>103
<FILENAME>R78.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615467856">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Leases - TDRs (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing', window );">Accruing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 16<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual', window );">Non- Accrual</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">28<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Total</a></td>
<td class="nump">$ 262<span></span>
</td>
<td class="nump">44<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing', window );">Accruing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual', window );">Non- Accrual</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Total</a></td>
<td class="nump">122<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing', window );">Accruing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">16<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual', window );">Non- Accrual</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Total</a></td>
<td class="nump">103<span></span>
</td>
<td class="nump">35<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage Loans | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Total</a></td>
<td class="nump">14<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing', window );">Accruing</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual', window );">Non- Accrual</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Total</a></td>
<td class="nump">21<span></span>
</td>
<td class="nump">$ 3<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other Loans: | Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod', window );">Total</a></td>
<td class="nump">$ 2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Excluding, Accrued Interest, Modified In Period, Accruing</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Excluding, Accrued Interest, Modified In Period, Non Accrual</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-33<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 34<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-34<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OtherLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>104
<FILENAME>R79.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615834352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Loans and Leases - Financial Effect of TDRs (Details) - Mortgage Loans - Commercial real estate<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($) </div>
<div>loan</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsLineItems', window );"><strong>Financing Receivable, Modified [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2', window );">Number of Loans | loan</a></td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2', window );">Pre- Modification Recorded Investment</a></td>
<td class="nump">$ 22<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2', window );">Post- Modification Recorded Investment</a></td>
<td class="nump">$ 19<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification', window );">Interest rate reduction, weighted-average contractual interest rate, prior to modification</a></td>
<td class="nump">6.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification', window );">Interest rate reduction, weighted-average contractual interest rate, after modification</a></td>
<td class="nump">4.02%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown', window );">Charge- off Amount</a></td>
<td class="nump">$ 3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest', window );">Capitalized Interest</a></td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Modified, Weighted Average Interest Rate After Modification</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Modified, Weighted Average Interest Rate Prior To Modification</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financing Receivable, Troubled Debt Restructuring, Capitalized Interest</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-33<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 34<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-34<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsNumberOfContracts2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of financing receivables that have been modified by troubled debt restructurings.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-33<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsNumberOfContracts2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost of financing receivable modified during period for debtor experiencing financial difficulty.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 42<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-42<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-33<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before troubled debt restructuring, of financing receivable to be modified.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 33<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-33<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Reflects the amount of the write-down related to a troubled debt restructuring.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 310<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481746/310-40-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>105
<FILENAME>R80.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734607396160">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses on Loans and Leases - Schedule of Activity in the Allowance for Loan and Lease Losses (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward', window );"><strong>Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="nump">$ 393<span></span>
</td>
<td class="nump">$ 199<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate', window );">Adjustment for Purchased PCD Loans</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">51<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Current-period gross write-offs</a></td>
<td class="nump">223<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery', window );">Recoveries</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">11<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal', window );">Provision for (recovery of) credit losses on loans and leases</a></td>
<td class="nump">794<span></span>
</td>
<td class="nump">139<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="nump">992<span></span>
</td>
<td class="nump">393<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward', window );"><strong>Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="nump">290<span></span>
</td>
<td class="nump">178<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate', window );">Adjustment for Purchased PCD Loans</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">21<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Current-period gross write-offs</a></td>
<td class="nump">178<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery', window );">Recoveries</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal', window );">Provision for (recovery of) credit losses on loans and leases</a></td>
<td class="nump">644<span></span>
</td>
<td class="nump">92<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="nump">756<span></span>
</td>
<td class="nump">290<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward', window );"><strong>Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Beginning balance</a></td>
<td class="nump">103<span></span>
</td>
<td class="nump">21<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate', window );">Adjustment for Purchased PCD Loans</a></td>
<td class="nump">13<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff', window );">Current-period gross write-offs</a></td>
<td class="nump">45<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery', window );">Recoveries</a></td>
<td class="nump">15<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal', window );">Provision for (recovery of) credit losses on loans and leases</a></td>
<td class="nump">150<span></span>
</td>
<td class="nump">47<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Ending balance</a></td>
<td class="nump">$ 236<span></span>
</td>
<td class="nump">$ 103<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of allowance for credit loss at acquisition date of financing receivable purchased with credit deterioration. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 19<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-19<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>106
<FILENAME>R81.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624449376">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses on Loans and Leases - Narrative (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 20, 2023</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses on loans and leases</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 992<span></span>
</td>
<td class="nump">$ 393<span></span>
</td>
<td class="nump">$ 199<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease', window );">Increase in allowance for credit losses</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">599<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease', window );">Increase in allowance for credit losses</a></td>
<td class="nump">$ 141<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnfundedLoanCommitmentMember', window );">Total loan commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest', window );">Allowance for credit losses on loans and leases</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 52<span></span>
</td>
<td class="nump">$ 23<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1405<br> -Paragraph c<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, excluding accrued interest, of increase (decrease) in allowance for credit loss on financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnfundedLoanCommitmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnfundedLoanCommitmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>107
<FILENAME>R82.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734623238320">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Allowance for Credit Losses on Loans and Leases - Schedule of Additional Information about Nonaccrual Loans (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable, Impaired [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with no related allowance - Recorded Investment</a></td>
<td class="nump">$ 294<span></span>
</td>
<td class="nump">$ 125<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with no related allowance - Interest Income Recognized</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with an allowance recorded - Recorded Investment</a></td>
<td class="nump">134<span></span>
</td>
<td class="nump">16<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Total nonaccrual loans - Related Allowance</a></td>
<td class="nump">47<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with an allowance recorded - Interest Income Recognized</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total nonaccrual loans - Recorded Investment</a></td>
<td class="nump">428<span></span>
</td>
<td class="nump">141<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Total nonaccrual loans - Interest Income Recognized</a></td>
<td class="nump">10<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage | Multi-family</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable, Impaired [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with no related allowance - Recorded Investment</a></td>
<td class="nump">134<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with no related allowance - Interest Income Recognized</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with an allowance recorded - Recorded Investment</a></td>
<td class="nump">4<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Total nonaccrual loans - Related Allowance</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with an allowance recorded - Interest Income Recognized</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total nonaccrual loans - Recorded Investment</a></td>
<td class="nump">138<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Total nonaccrual loans - Interest Income Recognized</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage | Commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable, Impaired [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with no related allowance - Recorded Investment</a></td>
<td class="nump">53<span></span>
</td>
<td class="nump">19<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with no related allowance - Interest Income Recognized</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with an allowance recorded - Recorded Investment</a></td>
<td class="nump">75<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Total nonaccrual loans - Related Allowance</a></td>
<td class="nump">17<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with an allowance recorded - Interest Income Recognized</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total nonaccrual loans - Recorded Investment</a></td>
<td class="nump">128<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Total nonaccrual loans - Interest Income Recognized</a></td>
<td class="nump">5<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage | One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable, Impaired [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with no related allowance - Recorded Investment</a></td>
<td class="nump">85<span></span>
</td>
<td class="nump">90<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with no related allowance - Interest Income Recognized</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with an allowance recorded - Recorded Investment</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Total nonaccrual loans - Related Allowance</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with an allowance recorded - Interest Income Recognized</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total nonaccrual loans - Recorded Investment</a></td>
<td class="nump">96<span></span>
</td>
<td class="nump">92<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Total nonaccrual loans - Interest Income Recognized</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember', window );">Mortgage | Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable, Impaired [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with no related allowance - Recorded Investment</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with no related allowance - Interest Income Recognized</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with an allowance recorded - Recorded Investment</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Total nonaccrual loans - Related Allowance</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with an allowance recorded - Interest Income Recognized</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total nonaccrual loans - Recorded Investment</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Total nonaccrual loans - Interest Income Recognized</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableImpairedLineItems', window );"><strong>Financing Receivable, Impaired [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with no related allowance - Recorded Investment</a></td>
<td class="nump">22<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with no related allowance - Interest Income Recognized</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment', window );">Nonaccrual loans with an allowance recorded - Recorded Investment</a></td>
<td class="nump">44<span></span>
</td>
<td class="nump">13<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Total nonaccrual loans - Related Allowance</a></td>
<td class="nump">28<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod', window );">Nonaccrual loans with an allowance recorded - Interest Income Recognized</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Total nonaccrual loans - Recorded Investment</a></td>
<td class="nump">66<span></span>
</td>
<td class="nump">16<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Total nonaccrual loans - Interest Income Recognized</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableImpairedLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableImpairedLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-14A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of allowance for credit losses related to recorded investment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableRelatedAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income, recognized on cash basis, on financing receivables, for which there is no related allowance for credit losses and are recognized as impaired.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in impaired financing receivables for which there is no related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-14A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income on financing receivables, for which there is a related allowance for credit losses, recognized on a cash-basis method of accounting that the financing receivables were impaired.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in impaired financing receivables for which there is a related allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Section 50<br> -Paragraph 14A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481962/310-10-50-14A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_MultiFamilyLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialRealEstateLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_OtherLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>108
<FILENAME>R83.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617334128">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Leases - Lessor Arrangements Narrative (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LessorLeaseDescriptionLineItems', window );"><strong>Lessor, Lease, Description [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset', window );">Residual value of leased asset</a></td>
<td class="nump">$ 280<span></span>
</td>
<td class="nump">$ 32<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss', window );">Carrying value of net investment in leases</a></td>
<td class="nump">$ 3,508<span></span>
</td>
<td class="nump">$ 1,745<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RangeAxis=srt_MinimumMember', window );">Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LessorLeaseDescriptionLineItems', window );"><strong>Lessor, Lease, Description [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LessorDirectFinancingLeaseTermOfContract1', window );">Term of lease</a></td>
<td class="text">24 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RangeAxis=srt_MaximumMember', window );">Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LessorLeaseDescriptionLineItems', window );"><strong>Lessor, Lease, Description [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LessorDirectFinancingLeaseTermOfContract1', window );">Term of lease</a></td>
<td class="text">120 months<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after allowance for credit loss, of net investment in direct financing lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -SubTopic 30<br> -Topic 842<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479016/842-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of residual asset covered by residual value guarantee under direct financing lease. Excludes guarantee considered to be lease payments for lessor.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LessorDirectFinancingLeaseTermOfContract1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Term of lessor's direct financing lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LessorDirectFinancingLeaseTermOfContract1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LessorLeaseDescriptionLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LessorLeaseDescriptionLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>109
<FILENAME>R84.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617864000">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases - Components of Lease Income (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DirectFinancingLeaseInterestIncome', window );">Interest income on lease financing</a></td>
<td class="nump">$ 119<span></span>
</td>
<td class="nump">$ 53<span></span>
</td>
<td class="nump">$ 53<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DirectFinancingLeaseInterestIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest income from net investment in direct financing lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 270<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482964/270-10-50-6A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DirectFinancingLeaseInterestIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>110
<FILENAME>R85.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734622203888">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Leases - Components of Net Investment in Direct Financing Leases (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DirectFinancingLeaseLeaseReceivable', window );">Net investment in the lease - lease payments receivable</a></td>
<td class="nump">$ 3,187<span></span>
</td>
<td class="nump">$ 1,685<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset', window );">Net investment in the lease - unguaranteed residual assets</a></td>
<td class="nump">321<span></span>
</td>
<td class="nump">60<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss', window );">Total lease payments</a></td>
<td class="nump">$ 3,508<span></span>
</td>
<td class="nump">$ 1,745<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DirectFinancingLeaseLeaseReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Present value of lease payments not yet received by lessor and amount expected to be derived from underlying asset, following end of lease term, guaranteed by lessee or other third party unrelated to lessor, from direct financing lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DirectFinancingLeaseLeaseReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after allowance for credit loss, of net investment in direct financing lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -SubTopic 30<br> -Topic 842<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479016/842-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Present value expected to be derived from underlying asset, following end of lease term, not guaranteed by lessee or other third party unrelated to lessor.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>111
<FILENAME>R86.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615790624">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Leases - Maturity Analysis of Undiscounted Lease Receivables (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths', window );">2024</a></td>
<td class="nump">$ 549<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears', window );">2025</a></td>
<td class="nump">602<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears', window );">2026</a></td>
<td class="nump">874<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears', window );">2027</a></td>
<td class="nump">521<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears', window );">2028</a></td>
<td class="nump">293<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter', window );">Thereafter</a></td>
<td class="nump">669<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived', window );">Total lease payments</a></td>
<td class="nump">3,508<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts', window );">Plus: deferred origination costs</a></td>
<td class="nump">15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount', window );">Less: unearned income</a></td>
<td class="num">(258)<span></span>
</td>
<td class="num">$ (85)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment', window );">Less: purchase accounting adjustment</a></td>
<td class="num">(76)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable', window );">Total lease finance receivables, net</a></td>
<td class="nump">$ 3,189<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sales-Type And Direct Financing Leases, Lease Receivable, Deferred Origination Costs</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sales-type and Direct Financing Leases, Lease Receivable, Purchase Accounting Adjustment</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Present value of lease payments not yet received by lessor and amount expected to be derived from underlying asset, following end of lease term guaranteed by lessee or other third party unrelated to lessor, from sales-type and direct financing leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of undiscounted lease receivable in excess of discounted receivable for sales-type and direct financing leases.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479773/842-30-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>112
<FILENAME>R87.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619640592">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Leases - Lease Arrangements Narrative (Details)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseTermOfContract', window );">Term of contract</a></td>
<td class="text">20 years<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseTermOfContract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Term of lessee's operating lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseTermOfContract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>113
<FILENAME>R88.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617612320">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases - Component of Lease Expense (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingLeaseCost', window );">Operating lease cost</a></td>
<td class="nump">$ 86<span></span>
</td>
<td class="nump">$ 28<span></span>
</td>
<td class="nump">$ 27<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeaseCost', window );">Total lease cost</a></td>
<td class="nump">$ 86<span></span>
</td>
<td class="nump">$ 28<span></span>
</td>
<td class="nump">$ 27<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeaseCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lease cost recognized by lessee for lease contract.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 53<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479589/842-20-55-53<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeaseCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of single lease cost, calculated by allocation of remaining cost of lease over remaining lease term. Includes, but is not limited to, single lease cost, after impairment of right-of-use asset, calculated by amortization of remaining right-of-use asset and accretion of lease liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 53<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479589/842-20-55-53<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>114
<FILENAME>R89.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619452544">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Leases - Supplemental Cash Flow Information (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_CashFlowLesseeAbstract', window );"><strong>Cash Flow, Lessee [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingLeasePayments', window );">Operating cash flows from operating leases</a></td>
<td class="nump">$ 64<span></span>
</td>
<td class="nump">$ 28<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_CashFlowLesseeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cash Flow, Lessee</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_CashFlowLesseeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeasePayments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow from operating lease, excluding payments to bring another asset to condition and location necessary for its intended use.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 5<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479041/842-20-45-5<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (g)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeasePayments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>115
<FILENAME>R90.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618149744">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Leases - Supplemental Balance Sheet Information (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract', window );"><strong>Operating Leases:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingLeaseRightOfUseAsset', window );">Operating lease right-of-use assets</a></td>
<td class="nump">$ 426<span></span>
</td>
<td class="nump">$ 119<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList', window );">Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]</a></td>
<td class="text">Other assets<span></span>
</td>
<td class="text">Other assets<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingLeaseLiability', window );">Operating lease liabilities</a></td>
<td class="nump">$ 446<span></span>
</td>
<td class="nump">$ 122<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList', window );">Operating Lease, Liability, Statement of Financial Position [Extensible List]</a></td>
<td class="text">Other liabilities<span></span>
</td>
<td class="text">Other liabilities<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1', window );">Weighted average remaining lease term</a></td>
<td class="text">11 years 2 months 12 days<span></span>
</td>
<td class="text">6 years<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent', window );">Weighted average discount rate percent</a></td>
<td class="nump">4.71%<span></span>
</td>
<td class="nump">3.85%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Operating Lease, Assets And Liabilities, Lessee</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Present value of lessee's discounted obligation for lease payments from operating lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479041/842-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of financial position that includes operating lease liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479041/842-20-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseRightOfUseAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's right to use underlying asset under operating lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479041/842-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseRightOfUseAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of financial position that includes operating lease right-of-use asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479041/842-20-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average discount rate for operating lease calculated at point in time.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 53<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479589/842-20-55-53<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (g)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining lease term for operating lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 53<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479589/842-20-55-53<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (g)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>116
<FILENAME>R91.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617328064">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Leases - Maturities of Lease Liabilities (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LeasesAbstract', window );"><strong>Leases [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths', window );">2024</a></td>
<td class="nump">$ 71<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo', window );">2025</a></td>
<td class="nump">65<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree', window );">2026</a></td>
<td class="nump">58<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour', window );">2027</a></td>
<td class="nump">52<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive', window );">2028</a></td>
<td class="nump">45<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive', window );">Thereafter</a></td>
<td class="nump">296<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue', window );">Total lease payments</a></td>
<td class="nump">587<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount', window );">Less: imputed interest</a></td>
<td class="num">(141)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingLeaseLiability', window );">Total present value of lease liabilities</a></td>
<td class="nump">$ 446<span></span>
</td>
<td class="nump">$ 122<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LeasesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LeasesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payment for operating lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payment for operating lease due after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of lessee's undiscounted obligation for lease payments in excess of discounted obligation for lease payments for operating lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147478964/842-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingLeaseLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Present value of lessee's discounted obligation for lease payments from operating lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 842<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479041/842-20-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingLeaseLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>117
<FILENAME>R92.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617660448">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Mortgage Servicing Rights - Changes in the Fair Value of Residential First Mortgage MSRs (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmountRollForward', window );"><strong>Servicing Asset at Fair Value [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue', window );">Servicing Asset at Fair Value, Other Changes in Fair Value</a></td>
<td class="num">$ (80)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration', window );">Servicing Asset, Fair Value, Change in Fair Value, Other, Statement of Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">Mortgage Servicing Rights (MSR) Impairment (Recovery)<span></span>
</td>
<td class="text">Mortgage Servicing Rights (MSR) Impairment (Recovery)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease', window );">Changes in estimates of fair value due to interest rate risk</a></td>
<td class="nump">$ 1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_FirstMortgageMember', window );">Residential First Mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmountRollForward', window );"><strong>Servicing Asset at Fair Value [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Beginning balance</a></td>
<td class="nump">1,033<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAdditions', window );">Additions from loans sold with servicing retained</a></td>
<td class="nump">208<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueDisposals', window );">Reductions from sales</a></td>
<td class="num">(51)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue', window );">Servicing Asset at Fair Value, Other Changes in Fair Value</a></td>
<td class="num">(80)<span></span>
</td>
<td class="num">$ (8)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease', window );">Changes in estimates of fair value due to interest rate risk</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Ending balance</a></td>
<td class="nump">$ 1,111<span></span>
</td>
<td class="nump">$ 1,033<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueAdditions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The value of new servicing assets, subsequently measured at fair value, acquired or created during the current period through purchases or from transfers of financial assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValueAdditions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValueAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueAmountRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValueAmountRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueDisposals">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Decrease in servicing assets subsequently measured at fair value resulting from conveyance of servicing rights to unrelated parties.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValueDisposals</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement of income or comprehensive income that includes increase (decrease) in fair value classified as other for contract to service financial asset under which benefit of servicing is expected to more than adequately compensate servicer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) from changes in fair value classified as other for a contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(4)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the fair value of servicing assets that are subsequently measured at fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_FirstMortgageMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_FirstMortgageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>118
<FILENAME>R93.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734623358224">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Mortgage Servicing Rights - Summary of Adverse Changes to Weighted-Average Assumptions on the Fair Value of Servicing Rights (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SensitivityAnalysisActualAbstract', window );"><strong>Actual</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent', window );">Option adjusted spread (percent)</a></td>
<td class="nump">5.40%<span></span>
</td>
<td class="nump">5.90%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent', window );">Constant prepayment rate (as a percent)</a></td>
<td class="nump">7.90%<span></span>
</td>
<td class="nump">7.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan', window );">Weighted average cost to service (per loan)</a></td>
<td class="nump">$ 69<span></span>
</td>
<td class="nump">$ 68<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract', window );"><strong>10% adverse change</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread', window );">Option adjusted spread (percent)</a></td>
<td class="nump">1,091,000,000<span></span>
</td>
<td class="nump">1,012,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed', window );">Constant prepayment rate (as a percent)</a></td>
<td class="nump">1,073,000,000<span></span>
</td>
<td class="nump">1,000,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption', window );">Weighted average cost to service per loan</a></td>
<td class="nump">1,100,000,000<span></span>
</td>
<td class="nump">1,023,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract', window );"><strong>20% adverse change</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread', window );">Option adjusted spread (percent)</a></td>
<td class="nump">1,072,000,000<span></span>
</td>
<td class="nump">992,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed', window );">Constant prepayment rate (as a percent)</a></td>
<td class="nump">1,040,000,000<span></span>
</td>
<td class="nump">970,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption', window );">Weighted average cost to service per loan</a></td>
<td class="nump">$ 1,090,000,000<span></span>
</td>
<td class="nump">$ 1,013,000,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SensitivityAnalysisActualAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis, Actual [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SensitivityAnalysisActualAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SensitivityAnalysisAdverseChangeTranche1Abstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis, Adverse Change, Tranche 1 [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SensitivityAnalysisAdverseChangeTranche1Abstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SensitivityAnalysisAdverseChangeTranche2Abstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis, Adverse Change, Tranche 2 [Abstract]</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SensitivityAnalysisAdverseChangeTranche2Abstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis of Fair Values, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Other Assumption, Per Loan</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Option Adjusted Spread</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Option Adjusted Spread</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Option Adjusted Spread, Percent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The hypothetical financial impact of a 10 percent adverse change of the specified assumption on the fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The hypothetical financial impact of a 10 percent adverse change of prepayment speed on the fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The hypothetical financial impact of a 20 percent adverse change of the specified assumption on the fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The hypothetical financial impact of a 20 percent adverse change of prepayment speed on the fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A specified percentage variance in the prepayment speed assumption in the determination of fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>119
<FILENAME>R94.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617127248">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Mortgage Servicing Rights - Summary of Income and Fees (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetsAtFairValueLineItems', window );"><strong>Servicing Assets at Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue', window );">Servicing Asset at Fair Value, Other Changes in Fair Value</a></td>
<td class="num">$ (80)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease', window );">Changes in fair value due to interest rate risk</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MortgageServicingRightsMSRImpairmentRecovery', window );">Net return on mortgage servicing rights</a></td>
<td class="nump">103<span></span>
</td>
<td class="nump">$ 6<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SubservicingAssetatFairValueIncomeAmount', window );">Total (loss) income on mortgage loans subserviced, included in loan administration income</a></td>
<td class="num">(17)<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_FirstMortgageMember', window );">Residential first mortgage loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetsAtFairValueLineItems', window );"><strong>Servicing Assets at Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets', window );">Servicing fees, ancillary income and late fees</a></td>
<td class="nump">227<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue', window );">Servicing Asset at Fair Value, Other Changes in Fair Value</a></td>
<td class="num">(80)<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease', window );">Changes in fair value due to interest rate risk</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GainLossOnOilAndGasHedgingActivity', window );">Gain on MSR derivatives</a></td>
<td class="num">(47)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ServicingAssetatFairValueNetTransactionCosts', window );">Net transaction costs</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_FirstMortgageMember', window );">Residential first mortgage loans | Loan administration income on mortgage loans subserviced</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetsAtFairValueLineItems', window );"><strong>Servicing Assets at Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets', window );">Servicing fees, ancillary income and late fees</a></td>
<td class="nump">154<span></span>
</td>
<td class="nump">11<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances', window );">Charges on subserviced custodial balances</a></td>
<td class="num">(168)<span></span>
</td>
<td class="num">(8)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount', window );">Other servicing charges</a></td>
<td class="num">(3)<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=fbc_FDICServicedLoansMember', window );">FDIC Serviced Loans | Loan administration income on mortgage loans subserviced</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetsAtFairValueLineItems', window );"><strong>Servicing Assets at Fair Value [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets', window );">Servicing fees, ancillary income and late fees</a></td>
<td class="nump">$ 95<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total amount of other servicing charges earned on loans serviced and subserviced for others during the period for which results of operations are presented.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_ServicingAssetatFairValueNetTransactionCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total amount of net transaction costs earned on loans serviced and subserviced for others during the period for which results of operations are presented.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_ServicingAssetatFairValueNetTransactionCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Subservicing Asset At Fair Value, Charges On Subserviced Escrow Balances</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_SubservicingAssetatFairValueIncomeAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income earned from subservicing an asset at fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_SubservicingAssetatFairValueIncomeAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of contractually specified servicing fee, late fee, and ancillary fee recognized as income for servicing asset and servicing liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnOilAndGasHedgingActivity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gain (loss) incurred in hedging activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnOilAndGasHedgingActivity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageServicingRightsMSRImpairmentRecovery">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The adjustment to the carrying value of the rights retained or purchased to service mortgages. These adjustments are made when the estimate of the fair value is changed. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (a)(6)<br> -SubTopic 50<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MortgageServicingRightsMSRImpairmentRecovery</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) from changes in fair value classified as other for a contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(4)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) in the fair value of servicing assets that are subsequently measured at fair value.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetsAtFairValueLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(4)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetsAtFairValueLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_FirstMortgageMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_FirstMortgageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementLocationAxis=fbc_NetLoanAdministrationIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeStatementLocationAxis=fbc_NetLoanAdministrationIncomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=fbc_FDICServicedLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=fbc_FDICServicedLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>120
<FILENAME>R95.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618065968">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Variable Interest Entities (Details)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($) </div>
<div>unit</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($) </div>
<div>unit</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems', window );"><strong>Private-label Securitizations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_VariableInterestEntityNumberofEntities', window );">Number of variable interest entities | unit</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">$ 9,145<span></span>
</td>
<td class="nump">$ 9,060<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember', window );">Variable Interest Entity, Not Primary Beneficiary</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems', window );"><strong>Private-label Securitizations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_VariableInterestEntityOwnershipPercentage', window );">Ownership interest in investment</a></td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember', window );">Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems', window );"><strong>Private-label Securitizations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Fair Value</a></td>
<td class="nump">$ 180<span></span>
</td>
<td class="nump">$ 191<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_VariableInterestEntityNumberofEntities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Variable Interest Entity, Number of Entities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_VariableInterestEntityNumberofEntities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_VariableInterestEntityOwnershipPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of the Variable Interest Entity's (VIE) voting interest owned by (or beneficial interest in) the reporting entity (directly or indirectly).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 810<br> -SubTopic 10<br> -Section 50<br> -Paragraph 5A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-5A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_VariableInterestEntityOwnershipPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>121
<FILENAME>R96.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614406400">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowed Funds - Breakdown of borrowed funds (Details) - USD ($)<br></strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
<td class="nump">$ 21,267,000,000<span></span>
</td>
<td class="nump">$ 21,332,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember', window );">Total wholesale borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
<td class="nump">20,250,000,000<span></span>
</td>
<td class="nump">20,325,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember', window );">FHLB advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
<td class="nump">19,250,000,000<span></span>
</td>
<td class="nump">20,325,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_FederalReserveBankAdvancesMember', window );">FRB term funding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
<td class="nump">1,000,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_JuniorSubordinatedDebtMember', window );">Junior subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
<td class="nump">579,000,000<span></span>
</td>
<td class="nump">575,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SubordinatedDebtMember', window );">Subordinated notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
<td class="nump">$ 438,000,000<span></span>
</td>
<td class="nump">$ 432,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482900/835-30-50-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_FederalReserveBankAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_FederalReserveBankAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_JuniorSubordinatedDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_JuniorSubordinatedDebtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SubordinatedDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_SubordinatedDebtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>122
<FILENAME>R97.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615624400">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowed Funds - Narrative (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Nov. 04, 2007</div></th>
<th class="th"><div>Nov. 04, 2002</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestPayableCurrentAndNoncurrent', window );">Interest payable</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 50,000,000<span></span>
</td>
<td class="nump">$ 37,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 21,267,000,000<span></span>
</td>
<td class="nump">$ 21,332,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear', window );">FHLB advances, weighted average interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">508.00%<span></span>
</td>
<td class="nump">348.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding', window );">FHLB advances, average amount overnight</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 624,000,000<span></span>
</td>
<td class="nump">$ 318,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm', window );">FHLB interest expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">564,000,000<span></span>
</td>
<td class="nump">251,000,000<span></span>
</td>
<td class="nump">$ 233,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RepurchaseAgreementsInterestExpenseAmount', window );">Repurchase agreements, interest expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">14,000,000<span></span>
</td>
<td class="nump">18,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalFundsPurchasedAverageAmountOutstanding', window );">Federal funds purchased, average balance</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 196,000,000<span></span>
</td>
<td class="nump">$ 466,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_FederalFundsPurchasedAverageRatePaid', window );">Federal funds purchased, weighted average interest rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">501.00%<span></span>
</td>
<td class="nump">165.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseFederalFundsPurchased', window );">Federal funds purchased, interest expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 10,000,000<span></span>
</td>
<td class="nump">$ 8,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">579,000,000<span></span>
</td>
<td class="nump">575,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1', window );">Offering price (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 20.04<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight', window );">Number of securities called by each warrant (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.4953<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights', window );">Number of securities called by warrant (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">14,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WarrantsAndRightsOutstandingTerm', window );">Warrant term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">49 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare', window );">Liquidation amount (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 50.00<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_WarrantsAndRightsOutstandingNoncallableTerm', window );">Noncallable term</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares', window );">Settlement terms, fair value of shares amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 182,600,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm', window );">Settlement terms, period</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">49 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentUnamortizedDiscount', window );">Unamortized discount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 64,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_JuniorSubordinatedDebenturesDividendsTerm', window );">Deferrable term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestExpenseJuniorSubordinatedDebentures', window );">Junior subordinated debenture, interest expense</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 48,000,000<span></span>
</td>
<td class="nump">22,000,000<span></span>
</td>
<td class="nump">$ 18,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Subordinated notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 438,000,000<span></span>
</td>
<td class="nump">432,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate', window );">FHLB lock out term</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_WarrantOrRightCouponRate', window );">Warrant Or Right, Coupon Rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">600.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember', window );">New York Community Capital Trust V (BONUSES Units)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 147,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentUnamortizedDiscount', window );">Unamortized discount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">92,400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember', window );">Additional Paid-in Capital [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued', window );">Adjustments to warrants issued</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">92,400,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightAxis=fbc_BONUSESUnitsMember', window );">BONUSES Units</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1', window );">Offering price (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 50.00<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightOutstanding', window );">Warrant outstanding (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5,500,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WarrantsAndRightsOutstanding', window );">Warrants proceeds amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">275,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember', window );">Total wholesale borrowings</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity', window );">Unused lines of credit available</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8,400,000,000<span></span>
</td>
<td class="nump">11,300,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20,250,000,000<span></span>
</td>
<td class="nump">20,325,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongtermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember', window );">FHLB advances</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term debt</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">19,250,000,000<span></span>
</td>
<td class="nump">20,325,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd', window );">FHLB advances, overnight</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">2,800,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember', window );">Previously Reported</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior subordinated debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 609,000,000<span></span>
</td>
<td class="nump">$ 608,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Financial Instruments Subject To Mandatory Redemption By Settlement Terms, Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_JuniorSubordinatedDebenturesDividendsTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Junior Subordinated Debentures, Dividends, Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_JuniorSubordinatedDebenturesDividendsTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_WarrantOrRightCouponRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Warrant Or Right, Coupon Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_WarrantOrRightCouponRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_WarrantsAndRightsOutstandingNoncallableTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Warrants And Rights Outstanding, Noncallable Term</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_WarrantsAndRightsOutstandingNoncallableTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_FederalFundsPurchasedAverageRatePaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Average rate paid on federal funds purchased.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (b)<br> -Subparagraph (3)<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_FederalFundsPurchasedAverageRatePaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in additional paid in capital (APIC) resulting from the issuance of warrants. Includes allocation of proceeds of debt securities issued with detachable stock purchase warrants.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 470<br> -SubTopic 20<br> -Section 25<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481284/470-20-25-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Exercise price per share or per unit of warrants or rights outstanding.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of securities into which each warrant or right may be converted. For example, but not limited to, each warrant may be converted into two shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of securities into which the class of warrant or right may be converted. For example, but not limited to, 500,000 warrants may be converted into 1,000,000 shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfWarrantOrRightOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of warrants or rights outstanding.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfWarrantOrRightOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482900/835-30-50-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentUnamortizedDiscount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after accumulated amortization, of debt discount.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482925/835-30-45-1A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482949/835-30-55-8<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentUnamortizedDiscount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalFundsPurchasedAverageAmountOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Average amount outstanding of federal funds purchased.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (b)<br> -Subparagraph (1)<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalFundsPurchasedAverageAmountOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The calculated average balance outstanding for the year for all Federal Home Loan Bank advances as of the Balance Sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The calculated weighted average interest rate for Federal Home Loan Bank advances for the period ended as of the Balance Sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum balance outstanding at any month end during the period as of the Balance Sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maturity period on fixed rate advances made and reported by Federal Home Loan Bank (FHLBank), in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Par value per share of mandatory redeemable financial instrument classified as liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -SubTopic 10<br> -Topic 480<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481648/480-10-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseFederalFundsPurchased">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Gross expenses on the purchase of Federal funds at a specified price with a simultaneous agreement to sell the same to the same counterparty at a fixed or determinable price at a future date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (a)<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-K (SK)<br> -Number 229<br> -Section 1402<br> -Paragraph (b)<br> -Subparagraph (1)<br> -Publisher SEC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseFederalFundsPurchased</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest expense incurred during the reporting period on long-term borrowings associated with Federal Home Loan Bank and Federal Reserve Bank advances.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseJuniorSubordinatedDebentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest expense incurred during the reporting period on junior subordinated debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.8)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpenseJuniorSubordinatedDebentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPayableCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest payable on debt, including, but not limited to, trade payables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(15)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestPayableCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, the carrying value of junior subordinated long-term debt owed to unconsolidated subsidiary trusts as of the balance sheet date. Such debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets and was initially scheduled to be repaid after one year or beyond the normal operating cycle if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.16)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowing capacity currently available under the credit facility (current borrowing capacity less the amount of borrowings outstanding).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19(b),22(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepurchaseAgreementsInterestExpenseAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This is the amount of interest expense incurred during the reporting period as a result of repurchase agreements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 940<br> -SubTopic 405<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481823/940-405-45-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RepurchaseAgreementsInterestExpenseAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value of shares that would be issued, determined under the conditions specified in the contract if the settlement were to occur at the reporting date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 480<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481648/480-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubordinatedDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubordinatedDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WarrantsAndRightsOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of outstanding derivative securities that permit the holder the right to purchase securities (usually equity) from the issuer at a specified price.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WarrantsAndRightsOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WarrantsAndRightsOutstandingTerm">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period between issuance and expiration of outstanding warrant and right embodying unconditional obligation requiring redemption by transferring asset at specified or determinable date or upon event certain to occur, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WarrantsAndRightsOutstandingTerm</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfWarrantOrRightAxis=fbc_BONUSESUnitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ClassOfWarrantOrRightAxis=fbc_BONUSESUnitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>123
<FILENAME>R98.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617025984">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Borrowed Funds - Advances (Details)<br> $ in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract', window );"><strong>Amount</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate', window );">2024</a></td>
<td class="nump">$ 7,350<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate', window );">2025</a></td>
<td class="nump">1,500<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate', window );">2026</a></td>
<td class="nump">2,500<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate', window );">2027</a></td>
<td class="nump">4,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate', window );">2028</a></td>
<td class="nump">2,400<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate', window );">2032</a></td>
<td class="nump">1,500<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Total FHLB advances</a></td>
<td class="nump">$ 19,250<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract', window );"><strong>Weighted Average Interest Rate (1)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate', window );">2024</a></td>
<td class="nump">4.57%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate', window );">2025</a></td>
<td class="nump">5.38%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate', window );">2026</a></td>
<td class="nump">5.37%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate', window );">2027</a></td>
<td class="nump">4.62%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate', window );">2028</a></td>
<td class="nump">5.17%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate', window );">2032</a></td>
<td class="nump">3.43%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract', window );"><strong>Amount</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths', window );">2024</a></td>
<td class="nump">$ 9,100<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo', window );">2025</a></td>
<td class="nump">1,750<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree', window );">2026</a></td>
<td class="nump">2,500<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour', window );">2027</a></td>
<td class="nump">3,500<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive', window );">2028</a></td>
<td class="nump">2,400<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive', window );">2032</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesParValue', window );">Total FHLB advances</a></td>
<td class="nump">$ 19,250<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract', window );"><strong>Weighted Average Interest Rate (1)</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths', window );">2024</a></td>
<td class="nump">4.37%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo', window );">2025</a></td>
<td class="nump">5.11%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree', window );">2026</a></td>
<td class="nump">5.37%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour', window );">2027</a></td>
<td class="nump">4.75%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive', window );">2028</a></td>
<td class="nump">5.17%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive', window );">2032</a></td>
<td class="nump">0.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancesFromFederalHomeLoanBanks">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480876/942-470-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdvancesFromFederalHomeLoanBanks</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next call date within the next rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date after the fifth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date within the fifth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date within the fourth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date within the third rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date within the second rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(13)(3)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.13(3)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480876/942-470-45-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480876/942-470-45-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480876/942-470-45-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480876/942-470-45-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480876/942-470-45-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of advance from Federal Home Loan Bank (FHLBank) maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 470<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480876/942-470-45-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesParValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Par amount of advances made and reported by Federal Home Loan Bank (FHLBank).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesParValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing after the fifth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing in the next rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing in the fifth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing in the fourth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate on advances made and reported by Federal Home Loan Bank maturing in the third rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing in the second rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>124
<FILENAME>R99.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614282592">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowed Funds - Junior Subordinated Debentures (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 579<span></span>
</td>
<td class="nump">$ 575<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">589<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember', window );">Flagstar Bancorp</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred', window );">Fair value adjustment</a></td>
<td class="num">(30)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember', window );">Previously Reported</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 609<span></span>
</td>
<td class="nump">$ 608<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember', window );">New York Community Capital Trust V (BONUSES Units)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">600.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 147<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 141<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustXMember', window );">New York Community Capital Trust X</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">725.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 124<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 120<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_PennFedCapitalTrustIIIMember', window );">PennFed Capital Trust III</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">890.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 30<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustXIMember', window );">New York Community Capital Trust XI</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">724.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 59<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 58<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIIMember', window );">Flagstar Statutory Trust II</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">887.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 26<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIIIMember', window );">Flagstar Statutory Trust III</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">891.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 26<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIVMember', window );">Flagstar Statutory Trust IV</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">884.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 26<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVMember', window );">Flagstar Statutory Trust V</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">766.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 26<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVIMember', window );">Flagstar Statutory Trust VI</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">766.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 26<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVIIMember', window );">Flagstar Statutory Trust VII</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">740.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 51<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 50<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVIIIMember', window );">Flagstar Statutory Trust VIII</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">716.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 26<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIXMember', window );">Flagstar Statutory Trust IX</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">710.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 26<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustXMember', window );">Flagstar Statutory Trust X</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate of Capital Securities and Debentures</a></td>
<td class="nump">815.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior Subordinated Notes</a></td>
<td class="nump">$ 15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount', window );">Capital Securities Amount Outstanding</a></td>
<td class="nump">$ 15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to items of consideration transferred in connection with a business combination for which the initial accounting was incomplete.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateStatedPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Contractual interest rate for funds borrowed, under the debt agreement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentInterestRateStatedPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482900/835-30-50-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, the carrying value of junior subordinated long-term debt owed to unconsolidated subsidiary trusts as of the balance sheet date. Such debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets and was initially scheduled to be repaid after one year or beyond the normal operating cycle if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.16)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount that would be paid, determined under the conditions specified in the contract, if the holder of the share has the right to redeem the shares.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 480<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481648/480-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_FlagstarBancorpMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustXMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustXMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_PennFedCapitalTrustIIIMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_PennFedCapitalTrustIIIMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustXIMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_NewYorkCommunityCapitalTrustXIMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIIMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIIMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIIIMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIIIMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIVMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIVMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVIMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVIMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVIIMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVIIMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVIIIMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustVIIIMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIXMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustIXMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustXMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_FlagstarStatutoryTrustXMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>125
<FILENAME>R100.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616554144">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Borrowed Funds - Subordinated Notes (Details) - Subordinated notes<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th></tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_SubordinatedNotesMaturingIn2028Member', window );">Subordinated notes maturing in 2028</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate</a></td>
<td class="nump">5.90%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Original Issue Amount</a></td>
<td class="nump">$ 300<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_SubordinatedNotesMaturingIn2028Member', window );">Subordinated notes maturing in 2028 | Secured Overnight Financing Rate (SOFR)</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Variable rate on spread</a></td>
<td class="nump">3.0416%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_SubordinatedNotesMaturingIn2030Member', window );">Subordinated notes maturing in 2030</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentFaceAmount', window );">Original Issue Amount</a></td>
<td class="nump">$ 150<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentAxis=fbc_SubordinatedNotesMaturingIn2030Member', window );">Subordinated notes maturing in 2030 | Secured Overnight Financing Rate (SOFR)</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Interest Rate</a></td>
<td class="nump">4.125%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage points added to the reference rate to compute the variable rate on the debt instrument.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentBasisSpreadOnVariableRate1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentFaceAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Face (par) amount of debt instrument at time of issuance.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482900/835-30-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B<br><br>Reference 4: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482925/835-30-45-2<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 835<br> -SubTopic 30<br> -Section 55<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482949/835-30-55-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentFaceAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateStatedPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Contractual interest rate for funds borrowed, under the debt agreement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.22(a)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentInterestRateStatedPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 835<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482900/835-30-50-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(f))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69B<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69C<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69C<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69E<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69E<br><br>Reference 8: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 69F<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481568/470-20-55-69F<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 11: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1D<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1D<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1E<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1F<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1F<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1I<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_SubordinatedNotesMaturingIn2028Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_SubordinatedNotesMaturingIn2028Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=us-gaap_SubordinatedDebtMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=us-gaap_SubordinatedDebtMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_VariableRateAxis=fbc_SecuredOvernightFinancingRateSOFRMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_VariableRateAxis=fbc_SecuredOvernightFinancingRateSOFRMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentAxis=fbc_SubordinatedNotesMaturingIn2030Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentAxis=fbc_SubordinatedNotesMaturingIn2030Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>126
<FILENAME>R101.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734627729776">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits - Schedule of Deposits (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsDomesticAbstract', window );"><strong>Amount</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Interest-bearing checking and money market accounts</a></td>
<td class="nump">$ 30,700<span></span>
</td>
<td class="nump">$ 22,511<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings accounts</a></td>
<td class="nump">8,773<span></span>
</td>
<td class="nump">11,645<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits', window );">Certificates of deposit</a></td>
<td class="nump">21,554<span></span>
</td>
<td class="nump">12,510<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilities', window );">Non-interest-bearing accounts</a></td>
<td class="nump">20,499<span></span>
</td>
<td class="nump">12,055<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
<td class="nump">$ 81,526<span></span>
</td>
<td class="nump">$ 58,721<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract', window );"><strong>Percent of Total</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket', window );">Interest-bearing checking and money market accounts</a></td>
<td class="nump">37.66%<span></span>
</td>
<td class="nump">38.34%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings', window );">Savings accounts</a></td>
<td class="nump">10.76%<span></span>
</td>
<td class="nump">19.83%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit', window );">Certificates of deposit</a></td>
<td class="nump">26.44%<span></span>
</td>
<td class="nump">21.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts', window );">Non-interest-bearing accounts</a></td>
<td class="nump">25.14%<span></span>
</td>
<td class="nump">20.53%<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_PercentageOfTotalDeposits', window );">Total deposits</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract', window );"><strong>Weighted Average Interest Rate</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket', window );">Interest-bearing checking and money market accounts</a></td>
<td class="nump">3.51%<span></span>
</td>
<td class="nump">2.66%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositSavings', window );">Savings accounts</a></td>
<td class="nump">2.67%<span></span>
</td>
<td class="nump">1.30%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit', window );">Certificates of deposit</a></td>
<td class="nump">4.42%<span></span>
</td>
<td class="nump">2.04%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities', window );">Non-interest-bearing accounts</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">0.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_WeightedAverageRateDepositLiabilities', window );">Total deposits</a></td>
<td class="nump">2.79%<span></span>
</td>
<td class="nump">1.71%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Non Interest-Bearing Domestic Deposits to Deposits, Non-Interest Bearing Accounts</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_PercentageOfTotalDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of Total Deposits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_PercentageOfTotalDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_WeightedAverageRateDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted Average Rate Deposit Liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_WeightedAverageRateDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_WeightedAverageRateNoninterestBearingDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted Average Rate Noninterest Bearing Deposit Liabilities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_WeightedAverageRateNoninterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Deposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsDomesticAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsDomesticAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsMoneyMarketDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsMoneyMarketDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsSavingsDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsSavingsDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic certificate of deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoninterestBearingDepositLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of interest-bearing domestic certificates of deposit liabilities to total deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of interest-bearing domestic money market demand account deposit liabilities to total deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of interest-bearing domestic savings deposit liabilities to total deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average interest rate for domestic certificates of deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageRateDomesticDepositMoneyMarket">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average interest rate for domestic money market demand account deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageRateDomesticDepositMoneyMarket</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageRateDomesticDepositSavings">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average interest rate for domestic savings deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageRateDomesticDepositSavings</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>127
<FILENAME>R102.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617538896">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits - Narrative (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_StatisticalDisclosureForBanksAbstract', window );"><strong>Statistical Disclosure for Banks [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1', window );">Deposits reclassified</a></td>
<td class="nump">$ 121<span></span>
</td>
<td class="nump">$ 4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositBrokered', window );">Brokered deposits</a></td>
<td class="nump">$ 9,500<span></span>
</td>
<td class="nump">$ 5,100<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WeightedAverageRateDomesticDepositBrokered', window );">Weighted average interest rate, brokered deposit</a></td>
<td class="nump">3.72%<span></span>
</td>
<td class="nump">4900.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket', window );">Brokered money market</a></td>
<td class="nump">$ 1,300<span></span>
</td>
<td class="nump">$ 2,800<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_InterestBearingDepositBrokeredCheckingAccount', window );">Brokered checking accounts</a></td>
<td class="nump">1,600<span></span>
</td>
<td class="nump">1,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits', window );">Brokered CDs</a></td>
<td class="nump">$ 6,600<span></span>
</td>
<td class="nump">$ 1,300<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_InterestBearingDepositBrokeredCheckingAccount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest-Bearing Deposit, Brokered, Checking Account</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_InterestBearingDepositBrokeredCheckingAccount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest-Bearing Domestic Deposit, Brokered, Certificates Of Deposits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_InterestBearingDomesticDepositBrokeredMoneyMarket">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Interest-Bearing Domestic Deposit, Brokered, Money Market</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_InterestBearingDomesticDepositBrokeredMoneyMarket</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatisticalDisclosureForBanksAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatisticalDisclosureForBanksAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deposits held by the entity that have been reclassified as loan balances receivable, for example, but not limited to, overdrafts receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -SubTopic 405<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481047/942-405-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositBrokered">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic third-party deposits placed by or through the assistance of a deposit broker, also known as brokered deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositBrokered</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageRateDomesticDepositBrokered">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average interest rate for domestic brokered deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageRateDomesticDepositBrokered</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>128
<FILENAME>R103.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734627864912">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Deposits - Maturities (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLineItems', window );"><strong>Federal Home Loan Bank, Advances</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits', window );">Certificates of deposit</a></td>
<td class="nump">$ 21,554<span></span>
</td>
<td class="nump">$ 12,510<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember', window );">Previously Reported</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLineItems', window );"><strong>Federal Home Loan Bank, Advances</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">1 year or less</a></td>
<td class="nump">17,321<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">More than 1 year through 2 years</a></td>
<td class="nump">3,879<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">More than 2 years through 3 years</a></td>
<td class="nump">229<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">More than 3 years through 4 years</a></td>
<td class="nump">142<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">More than 4 years through 5 years</a></td>
<td class="nump">7<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesAfterYearFive', window );">Over 5 years</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits', window );">Certificates of deposit</a></td>
<td class="nump">$ 21,581<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FederalHomeLoanBankAdvancesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of interest-bearing domestic certificate of deposit liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.12)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesAfterYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing after fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesAfterYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in fourth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearOne">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in next fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearOne</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in third fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositMaturitiesYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of time deposit maturing in second fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -SubTopic 10<br> -Topic 470<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481544/470-10-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TimeDepositMaturitiesYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RestatementAxis=srt_ScenarioPreviouslyReportedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>129
<FILENAME>R104.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616379968">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Federal, State, and Local Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComponentsOfDeferredTaxAssetsAbstract', window );"><strong>Deferred Tax Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">Allowance for credit losses on loans and leases</a></td>
<td class="nump">$ 253,000<span></span>
</td>
<td class="nump">$ 102,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities', window );">Acquisition accounting and fair value adjustments on securities (including OTTI)</a></td>
<td class="nump">188,000<span></span>
</td>
<td class="nump">227,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans', window );">Acquisition accounting and fair value adjustments on loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">36,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxAssetsCapitalizedLoanCosts', window );">Capitalized loan costs</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">46,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxAssetsRightOfUseLiability', window );">Right of Use Liability</a></td>
<td class="nump">32,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits', window );">Compensation and related benefit obligations</a></td>
<td class="nump">30,000<span></span>
</td>
<td class="nump">23,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts', window );">Capitalized research and development costs</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">10,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxAssetsAccruedExpenses', window );">Accrued Expenses</a></td>
<td class="nump">19,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards', window );">Net operating loss carryforwards</a></td>
<td class="nump">8,000<span></span>
</td>
<td class="nump">15,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOther', window );">Other</a></td>
<td class="nump">22,000<span></span>
</td>
<td class="nump">18,000<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsGross', window );">Gross deferred tax assets</a></td>
<td class="nump">552,000<span></span>
</td>
<td class="nump">477,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsValuationAllowance', window );">Valuation allowance</a></td>
<td class="num">(5,000)<span></span>
</td>
<td class="num">(5,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax asset after valuation allowance</a></td>
<td class="nump">547,000<span></span>
</td>
<td class="nump">472,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract', window );"><strong>Deferred Tax Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesLeasingArrangements', window );">Leases</a></td>
<td class="num">(492,000)<span></span>
</td>
<td class="num">(328,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights', window );">Mortgage servicing rights</a></td>
<td class="num">(79,000)<span></span>
</td>
<td class="num">(105,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment', window );">Premises and equipment</a></td>
<td class="num">(44,000)<span></span>
</td>
<td class="num">(18,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses', window );">Prepaid pension cost</a></td>
<td class="num">(35,000)<span></span>
</td>
<td class="num">(29,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans', window );">Fair value adjustments on loans</a></td>
<td class="num">(210,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets', window );">Amortizable intangibles</a></td>
<td class="num">(127,000)<span></span>
</td>
<td class="num">(71,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits', window );">Acquisition accounting and fair value adjustments on deposits</a></td>
<td class="num">(2,000)<span></span>
</td>
<td class="num">(9,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxLiabilitiesRightOfUseAsset', window );">Right of Use Asset</a></td>
<td class="num">(32,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxLiabilitiesDeferredLoanFees', window );">Deferred Loan fees</a></td>
<td class="num">(13,000)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt', window );">Acquisition accounting and fair value adjustments on debt</a></td>
<td class="num">(9,000)<span></span>
</td>
<td class="num">(10,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOther', window );">Other</a></td>
<td class="num">(21,000)<span></span>
</td>
<td class="num">(9,000)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxLiabilities', window );">Gross deferred tax liabilities</a></td>
<td class="num">(1,064,000)<span></span>
</td>
<td class="num">(579,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilities', window );">Net deferred tax liability</a></td>
<td class="num">$ (517,000)<span></span>
</td>
<td class="num">$ (107,000)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxAssetsAccruedExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Assets, Accrued Expenses</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxAssetsAccruedExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Securities</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxAssetsCapitalizedLoanCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Assets, Capitalized Loan Costs</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxAssetsCapitalizedLoanCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Assets, Deferred Expense, Capitalized Research And Development Costs</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxAssetsRightOfUseLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Assets, Right Of Use Liability</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxAssetsRightOfUseLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Debt</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Deposits</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxLiabilitiesDeferredLoanFees">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Deferred Loan Fees</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxLiabilitiesDeferredLoanFees</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Fair Value Adjustment On Loans</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DeferredTaxLiabilitiesRightOfUseAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Deferred Tax Liabilities, Right of Use Asset</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DeferredTaxLiabilitiesRightOfUseAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComponentsOfDeferredTaxAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComponentsOfDeferredTaxAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(26)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(15)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, without jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsLiabilitiesNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOperatingLossCarryforwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences, classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from compensation and benefits costs.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from allowance for credit loss on financing receivable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsValuationAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax assets for which it is more likely than not that a tax benefit will not be realized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsValuationAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after deferred tax asset, of deferred tax liability attributable to taxable differences without jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 45<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482525/740-10-45-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from intangible assets other than goodwill.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesLeasingArrangements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from leasing arrangements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesLeasingArrangements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from mortgage servicing rights.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesMortgageServicingRights</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesOther">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesOther</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesPrepaidExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax consequences attributable to taxable temporary differences derived from prepaid expenses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesPrepaidExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability attributable to taxable temporary differences from property, plant, and equipment.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>130
<FILENAME>R105.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734620528448">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal, State, and Local Taxes - Narrative (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards', window );">Net operating loss carryforwards</a></td>
<td class="nump">$ 8,000,000<span></span>
</td>
<td class="nump">$ 15,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal', window );">Total state net operating loss carryforwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">185,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsValuationAllowance', window );">Valuation allowance</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">5,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments', window );">Low income housing tax credits</a></td>
<td class="nump">372,000,000<span></span>
</td>
<td class="nump">304,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AffordableHousingProgramObligation', window );">Affordable housing tax credit commitment</a></td>
<td class="nump">$ 210,000,000<span></span>
</td>
<td class="nump">183,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_AffordableHousingProgramObligationPeriod', window );">Commitments that expect to be funded period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount', window );">Affordable housing tax credits</a></td>
<td class="nump">$ 34,000,000<span></span>
</td>
<td class="nump">11,000,000<span></span>
</td>
<td class="nump">$ 9,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization', window );">Affordable housing tax credit amortization</a></td>
<td class="nump">30,000,000<span></span>
</td>
<td class="nump">10,000,000<span></span>
</td>
<td class="nump">9,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount', window );">Affordable housing tax credit write down</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Unrecognized tax benefits</a></td>
<td class="nump">42,000,000<span></span>
</td>
<td class="nump">40,000,000<span></span>
</td>
<td class="nump">39,000,000<span></span>
</td>
<td class="nump">$ 38,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense', window );">Income tax expense interest and penalties</a></td>
<td class="nump">8,000,000<span></span>
</td>
<td class="nump">4,000,000<span></span>
</td>
<td class="nump">$ 4,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued', window );">Income tax accrued interest expense and penalties</a></td>
<td class="nump">34,000,000<span></span>
</td>
<td class="nump">26,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate', window );">Would impact effective rate rate amount</a></td>
<td class="nump">34,000,000<span></span>
</td>
<td class="nump">$ 32,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities', window );">Unrecognized tax benefit decrease</a></td>
<td class="nump">21,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender', window );">Bad debt reserve</a></td>
<td class="nump">62,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender', window );">Federal deferred tax liability, bad debt reserve</a></td>
<td class="nump">$ 13,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_AffordableHousingProgramObligationPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Affordable Housing Program Obligation Period</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_AffordableHousingProgramObligationPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AffordableHousingProgramObligation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of obligation related to Affordable Housing Program (AHP) assessments required by the Federal Home Loan Bank Act of 1932.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AffordableHousingProgramObligation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AffordableHousingProjectInvestmentWriteDownAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of write-down from impairment of an investment in a qualified affordable housing project.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 323<br> -SubTopic 740<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481543/323-740-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AffordableHousingProjectInvestmentWriteDownAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of affordable housing tax credits and other tax benefits recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 323<br> -SubTopic 740<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481543/323-740-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in qualified affordable housing projects.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 323<br> -SubTopic 740<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481543/323-740-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization expense of investment in qualified affordable housing projects.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 323<br> -SubTopic 740<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481543/323-740-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of bad debt reserves for tax purposes of qualified lenders excluded in calculating deferred taxes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 25<br> -Paragraph 3<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482620/740-10-25-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -SubTopic 740<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481141/942-740-50-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -SubTopic 740<br> -Topic 944<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480135/944-740-50-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 25<br> -Paragraph 1<br> -Subparagraph (a)<br> -SubTopic 740<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480306/942-740-25-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwards">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOperatingLossCarryforwards</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount before allocation of valuation allowances of deferred tax asset attributable to deductible state and local operating loss carryforwards.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-6<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 740<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsValuationAllowance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax assets for which it is more likely than not that a tax benefit will not be realized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxAssetsValuationAllowance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred tax liability not recognized because of the exceptions to comprehensive recognition of deferred taxes related to bad debt reserve for tax purposes of a qualified lender.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -SubTopic 740<br> -Topic 942<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481141/942-740-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrecognized tax benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482525/740-10-45-10B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease in unrecognized tax benefits resulting from settlements with taxing authorities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount accrued for interest on an underpayment of income taxes and penalties related to a tax position claimed or expected to be claimed in the tax return.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of expense for interest on an underpayment of income taxes and penalties related to a tax position claimed or expected to be claimed in the tax return.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>131
<FILENAME>R106.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734620536160">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal, State, and Local Taxes - Components of Income Tax Expense (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CurrentFederalTaxExpenseBenefit', window );">Federal &#8211; current</a></td>
<td class="nump">$ 156<span></span>
</td>
<td class="nump">$ 147<span></span>
</td>
<td class="nump">$ 188<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CurrentStateAndLocalTaxExpenseBenefit', window );">State and local &#8211; current</a></td>
<td class="nump">59<span></span>
</td>
<td class="nump">32<span></span>
</td>
<td class="nump">35<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit', window );">Total current</a></td>
<td class="nump">215<span></span>
</td>
<td class="nump">179<span></span>
</td>
<td class="nump">223<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredFederalIncomeTaxExpenseBenefit', window );">Federal &#8211; deferred</a></td>
<td class="num">(137)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="num">(28)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit', window );">State and local &#8211; deferred</a></td>
<td class="num">(49)<span></span>
</td>
<td class="nump">7<span></span>
</td>
<td class="nump">15<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit', window );">Total deferred</a></td>
<td class="num">(186)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense reported in net income</a></td>
<td class="nump">29<span></span>
</td>
<td class="nump">176<span></span>
</td>
<td class="nump">210<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract', window );"><strong>Income tax expense reported in stockholders&#8217; equity related to:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent', window );">Securities available-for-sale</a></td>
<td class="nump">15<span></span>
</td>
<td class="num">(223)<span></span>
</td>
<td class="num">(42)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent', window );">Pension liability adjustments</a></td>
<td class="nump">6<span></span>
</td>
<td class="num">(6)<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent', window );">Cash flow hedge</a></td>
<td class="num">(14)<span></span>
</td>
<td class="nump">23<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ComprehensiveIncomeLossTaxParent', window );">Total income taxes</a></td>
<td class="nump">$ 36<span></span>
</td>
<td class="num">$ (30)<span></span>
</td>
<td class="nump">$ 187<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_ComprehensiveIncomeLossTaxParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Comprehensive Income (Loss), Tax, Parent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_ComprehensiveIncomeLossTaxParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current federal, state, and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current national, regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-9<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentFederalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current national tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-9<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentFederalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentStateAndLocalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-9<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CurrentStateAndLocalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFederalIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred national tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-9<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredFederalIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred federal, state, and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred national, regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h)(1)(Note 1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-9<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-10<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -SubTopic 20<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482659/740-20-45-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -SubTopic 10<br> -Topic 235<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after reclassification adjustment, of tax expense (benefit) for gain (loss) in value of unsold investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-19<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -SubTopic 10<br> -Topic 810<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-20<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -SubTopic 10<br> -Topic 810<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after reclassification adjustment, of tax (expense) benefit for (increase) decrease in accumulated other comprehensive income for defined benefit plan, attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 19<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-19<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 20<br> -SubTopic 10<br> -Topic 810<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-20<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (c)(3)<br> -SubTopic 10<br> -Topic 810<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after reclassification, of tax expense (benefit) for gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness, attributable to parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>132
<FILENAME>R107.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614962768">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal, State, and Local Taxes - Reconciliation (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Tax Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate', window );">Provision at statutory federal income tax rate</a></td>
<td class="num">$ (10)<span></span>
</td>
<td class="nump">$ 174<span></span>
</td>
<td class="nump">$ 169<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes', window );">State and local income taxes, net of federal income tax effect</a></td>
<td class="nump">8<span></span>
</td>
<td class="nump">31<span></span>
</td>
<td class="nump">40<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationTaxExemptIncome', window );">Tax Exempt income</a></td>
<td class="num">(6)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain', window );">Non-taxable bargain gain</a></td>
<td class="num">(447)<span></span>
</td>
<td class="num">(33)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses', window );">Non-deductible goodwill impairment</a></td>
<td class="nump">509<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums', window );">Non-deductible FDIC deposit insurance premiums</a></td>
<td class="nump">16<span></span>
</td>
<td class="nump">10<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount', window );">Effect of tax deductibility of deferred compensation</a></td>
<td class="num">(3)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance', window );">Non-taxable income and expense of BOLI</a></td>
<td class="num">(9)<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="num">(6)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses', window );">Non-deductible merger expenses</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">3<span></span>
</td>
<td class="nump">3<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense', window );">Non-deductible compensation expense</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">4<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationTaxCredits', window );">Federal tax credits</a></td>
<td class="num">(31)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes', window );">Adjustments relating to prior tax years</a></td>
<td class="nump">2<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherAdjustments', window );">Other, net</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense reported in net income</a></td>
<td class="nump">$ 29<span></span>
</td>
<td class="nump">$ 176<span></span>
</td>
<td class="nump">$ 210<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effective Income Tax Rate Reconciliation, Non-Taxable Bargain Gain</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effective Income Tax Rate Reconciliation, Non-Taxable Income And Expense Of Bank Owned Life Insurance</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effective Income Tax Rate Reconciliation, Nondeductible Compensation Expense</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effective Income Tax Rate Reconciliation, Nondeductible FDIC Deposit Insurance Premiums</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Effective Income Tax Rate Reconciliation, Nondeductible Merger Expenses</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying domestic federal statutory income tax rate to pretax income (loss) from continuing operation, attributable to expense for award under share-based payment arrangement. Excludes expense determined to be nondeductible upon grant or after for award under share-based payment arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-12<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 2<br> -SubTopic 740<br> -Topic 718<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480887/718-740-35-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-10<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -SubTopic 20<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482659/740-20-45-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -SubTopic 10<br> -Topic 235<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to nondeductible impairment loss.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationOtherAdjustments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationOtherAdjustments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to revisions of previously reported income tax expense (benefit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to state and local income tax expense (benefit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationTaxCredits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to tax credits. Including, but not limited to, research credit, foreign tax credit, investment tax credit, and other tax credits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationTaxCredits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReconciliationTaxExemptIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReconciliationTaxExemptIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>133
<FILENAME>R108.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734623353040">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Federal, State, and Local Taxes - Reconciliation of Gross Amounts of Tax Contingencies (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward', window );"><strong>Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Balance, beginning of year</a></td>
<td class="nump">$ 40<span></span>
</td>
<td class="nump">$ 39<span></span>
</td>
<td class="nump">$ 38<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions', window );">Additions for tax positions relating to current-year operations</a></td>
<td class="nump">1<span></span>
</td>
<td class="nump">1<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions', window );">Additions for tax positions relating to prior tax years</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions', window );">Subtractions for tax positions relating to prior tax years</a></td>
<td class="num">(1)<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="num">(2)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Balance, end of year</a></td>
<td class="nump">$ 42<span></span>
</td>
<td class="nump">$ 40<span></span>
</td>
<td class="nump">$ 39<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefits">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrecognized tax benefits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482525/740-10-45-10B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefits</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease in unrecognized tax benefits resulting from tax positions taken in prior period tax returns.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in unrecognized tax benefits resulting from tax positions that have been or will be taken in current period tax return.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase in unrecognized tax benefits resulting from tax positions taken in prior period tax returns.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 15A<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-15A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>134
<FILENAME>R109.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734623223680">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Related Benefits Plans - Narrative (Details) - USD ($)<br> $ / shares in Units, $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Options available for future grants (in shares)</a></td>
<td class="nump">16,143,893<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=fbc_RestrictedStockandRestrictedStockUnitsMember', window );">Restricted Stock and Restricted Stock Units</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Share-based compensation expense</a></td>
<td class="nump">$ 44<span></span>
</td>
<td class="nump">$ 25<span></span>
</td>
<td class="nump">$ 27<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=fbc_RestrictedStockandRestrictedStockUnitsMember', window );">Restricted Stock and Restricted Stock Units | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period</a></td>
<td class="text">1 year<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=fbc_RestrictedStockandRestrictedStockUnitsMember', window );">Restricted Stock and Restricted Stock Units | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Vesting period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_PerformanceSharesMember', window );">Performance Shares</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted (in shares)</a></td>
<td class="nump">566,656<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted (in usd per share)</a></td>
<td class="nump">$ 8.95<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Share-based compensation expense</a></td>
<td class="nump">$ 4<span></span>
</td>
<td class="nump">$ 3<span></span>
</td>
<td class="nump">$ 5<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions', window );">Unrecognized stock-based compensation cost for options</a></td>
<td class="nump">$ 5<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Period to be recognized</a></td>
<td class="text">1 year 6 months 10 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember', window );">Restricted Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted (in shares)</a></td>
<td class="nump">9,995,495<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted (in usd per share)</a></td>
<td class="nump">$ 10.24<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions', window );">Unrecognized stock-based compensation cost for options</a></td>
<td class="nump">$ 119<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Period to be recognized</a></td>
<td class="text">2 years 8 months 12 days<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of expense for award under share-based payment arrangement. Excludes amount capitalized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB Topic 14.F)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479830/718-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (h)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllocatedShareBasedCompensationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted-average period over which cost not yet recognized is expected to be recognized for award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cost to be recognized for nonvested award under share-based payment arrangement. Excludes share and unit options.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Period over which grantee's right to exercise award under share-based payment arrangement is no longer contingent on satisfaction of service or performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days. Includes, but is not limited to, combination of market, performance or service condition.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 1D<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480483/718-10-35-1D<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 35<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480483/718-10-35-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)(iv)(04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (e)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(iv)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (f)(2)(v)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 718<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=fbc_RestrictedStockandRestrictedStockUnitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=fbc_RestrictedStockandRestrictedStockUnitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_PerformanceSharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_PerformanceSharesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>135
<FILENAME>R110.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734620489472">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Related Benefits Plans - Summary of Restricted Stock Activity (Details) - Restricted Stock<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2023 </div>
<div>$ / shares </div>
<div>shares</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward', window );"><strong>Number of Shares</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Non-vested balance at beginning of period (in shares) | shares</a></td>
<td class="nump">9,576,602<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted (in shares) | shares</a></td>
<td class="nump">9,995,495<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Vested (in shares) | shares</a></td>
<td class="num">(3,105,582)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Forfeited (in shares) | shares</a></td>
<td class="num">(1,292,574)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Non-vested balance at end of period (in shares) | shares</a></td>
<td class="nump">15,173,941<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward', window );"><strong>Weighted Average Grant Date Fair Value</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Non-vested balance at beginning of period (in usd per share) | $ / shares</a></td>
<td class="nump">$ 10.92<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted (in usd per share) | $ / shares</a></td>
<td class="nump">10.24<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Vested (in usd per share) | $ / shares</a></td>
<td class="nump">10.99<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue', window );">Forfeited (in usd per share) | $ / shares</a></td>
<td class="nump">10.62<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Non-vested balance at end of period (in usd per share) | $ / shares</a></td>
<td class="nump">$ 10.49<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Per share or unit weighted-average fair value of nonvested award under share-based payment arrangement. Excludes share and unit options.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>136
<FILENAME>R111.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734620489184">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Stock-Related Benefits Plans - Summary of Performance-Based Restricted Stock Activity (Details) - Performance Shares<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2023 </div>
<div>$ / shares </div>
<div>shares</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward', window );"><strong>Number of Shares</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Non-vested balance at beginning of period (in shares) | shares</a></td>
<td class="nump">794,984<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Granted (in shares) | shares</a></td>
<td class="nump">566,656<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod', window );">Vested (in shares) | shares</a></td>
<td class="num">(143,352)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod', window );">Forfeited (in shares) | shares</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Non-vested balance at end of period (in shares) | shares</a></td>
<td class="nump">1,218,288<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward', window );"><strong>Weighted Average Grant Date Fair Value</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Non-vested balance at beginning of period (in usd per share) | $ / shares</a></td>
<td class="nump">$ 10.73<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Granted (in usd per share) | $ / shares</a></td>
<td class="nump">8.95<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue', window );">Vested (in usd per share) | $ / shares</a></td>
<td class="nump">10.34<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue', window );">Forfeited (in usd per share) | $ / shares</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Non-vested balance at end of period (in usd per share) | $ / shares</a></td>
<td class="nump">$ 9.95<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Per share or unit weighted-average fair value of nonvested award under share-based payment arrangement. Excludes share and unit options.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 718<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)(iii)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480429/718-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_PerformanceSharesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AwardTypeAxis=us-gaap_PerformanceSharesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>137
<FILENAME>R112.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624382848">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative and Hedging Activities - Narrative (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax', window );">Net unrealized gain on cash flow hedges, net of tax of $(6) and $(20), respectively</a></td>
<td class="nump">$ 10<span></span>
</td>
<td class="nump">$ 52<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale', window );">Interest , loans and leases held-for-sale</a></td>
<td class="nump">24<span></span>
</td>
<td class="nump">6<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAmountOfHedgedItem', window );">Amount of hedged item</a></td>
<td class="nump">6,100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1', window );">Fair value of interest rate fair value hedging instruments</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet', window );">Amount of gain (loss), net of tax, to be reclassified during the next 12 months</a></td>
<td class="nump">98<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetNotionalAmount', window );">Notional amount</a></td>
<td class="nump">2,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAmountOfHedgedItem', window );">Amount of hedged item</a></td>
<td class="nump">2,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsFHLBAdvancesMember', window );">Interest rate swaps | Derivatives designated as cash flow hedging instruments: | Cash flow hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeNotionalAmount', window );">Derivative, notional amount</a></td>
<td class="nump">$ 5,500<span></span>
</td>
<td class="nump">$ 3,800<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, after tax, of accumulated gain (loss) on derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAmountOfHedgedItem">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of hedged item in hedging relationship. Excludes hedged asset or liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAmountOfHedgedItem</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssetNotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Nominal or face amount used to calculate payments on the derivative asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column D))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1B<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1A<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetNotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4E<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4E<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeNotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Nominal or face amount used to calculate payment on derivative.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1B<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeNotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of unrealized gain (loss) related to the fair value of interest rate derivatives designated as fair value hedging instruments, as offset by the gain (loss) on the hedged item to the extent that the fair value hedge is determined to be effective.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4C<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of interest and fee income earned from loans held-for-sale, including mortgage loans, and interest earned from direct financing and sales-type leases held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The estimated net amount of unrealized gains or losses on interest rate cash flow hedges as of the balance sheet date expected to be reclassified to earnings within the next twelve months.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 30<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480870/815-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsFHLBAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsFHLBAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>138
<FILENAME>R113.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614725792">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Derivative and Hedging Activities - Notional Amount and Fair Value of Derivative Financial Instruments (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Cash flow hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">$ 5,500<span></span>
</td>
<td class="nump">$ 3,750<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Other Assets | Cash flow hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Other Liabilities | Cash flow hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps | Cash flow hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">5,500<span></span>
</td>
<td class="nump">3,750<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps | Other Assets | Cash flow hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps | Other Liabilities | Cash flow hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps on multi-family loans held for investment(1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps on multi-family loans held for investment(1) | Fair value hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">2,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps on multi-family loans held for investment(1) | Other Assets | Fair value hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps on multi-family loans held for investment(1) | Other Liabilities | Fair value hedging</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">126<span></span>
</td>
<td class="nump">220<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">92<span></span>
</td>
<td class="nump">126<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Other Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">7,933<span></span>
</td>
<td class="nump">11,403<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">138<span></span>
</td>
<td class="nump">229<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Other Liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">6,080<span></span>
</td>
<td class="nump">3,711<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">95<span></span>
</td>
<td class="nump">136<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Futures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Futures | Other Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetNotionalAmount', window );">Notional Amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,205<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Futures | Other Liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">2,235<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Mortgage-backed securities forwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Mortgage-backed securities forwards | Other Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">1,012<span></span>
</td>
<td class="nump">1,065<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Mortgage-backed securities forwards | Other Liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">1,048<span></span>
</td>
<td class="nump">739<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Rate lock commitments (fallout-adjusted) | Other Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">1,490<span></span>
</td>
<td class="nump">1,539<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Rate lock commitments (fallout-adjusted) | Other Liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">77<span></span>
</td>
<td class="nump">527<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Interest rate swaps and swaptions | Other Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">5,431<span></span>
</td>
<td class="nump">7,594<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">115<span></span>
</td>
<td class="nump">182<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Interest rate swaps and swaptions | Other Liabilities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Fair Value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityNotionalAmount', window );">Notional Amount</a></td>
<td class="nump">2,720<span></span>
</td>
<td class="nump">2,445<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Fair Value</a></td>
<td class="nump">$ 59<span></span>
</td>
<td class="nump">$ 65<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssetNotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Nominal or face amount used to calculate payments on the derivative asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column D))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1B<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1A<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetNotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets elected not to be offset. Excludes assets not subject to a master netting arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-22<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-7<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4B<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4D<br> -Subparagraph (c)(2)<br> -SubTopic 20<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4D<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeFairValueOfDerivativeAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities elected not to be offset. Excludes liabilities not subject to a master netting arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-22<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-7<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4B<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4D<br> -Subparagraph (c)(2)<br> -SubTopic 20<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4D<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeFairValueOfDerivativeLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilityNotionalAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Nominal or face amount used to calculate payments on the derivative liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column D))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column D))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5A<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1B<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1A<br><br>Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilityNotionalAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_CashFlowHedgingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BalanceSheetLocationAxis=us-gaap_OtherAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BalanceSheetLocationAxis=us-gaap_OtherAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BalanceSheetLocationAxis=us-gaap_OtherLiabilitiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BalanceSheetLocationAxis=us-gaap_OtherLiabilitiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsFHLBAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsFHLBAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis=us-gaap_FairValueHedgingMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_FutureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_FutureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_MortgageBackedSecuritiesOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_MortgageBackedSecuritiesOtherMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateLockCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateLockCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsandSwaptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsandSwaptionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>139
<FILENAME>R114.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615630048">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Derivative and Hedging Activities - Derivatives Subject to a Master Netting Arrangement (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Gross Amount</a></td>
<td class="nump">$ 2<span></span>
</td>
<td class="nump">$ 5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityFairValueGrossAsset', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">5<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimSecurities', window );">Financial Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="nump">75<span></span>
</td>
<td class="nump">27<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember', window );">Derivatives designated as cash flow hedging instruments: | Interest rate swaps on multi-family loans held for investment(1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Gross Amount</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityFairValueGrossAsset', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimSecurities', window );">Financial Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="nump">27<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Gross Amount</a></td>
<td class="nump">126<span></span>
</td>
<td class="nump">220<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetFairValueGrossLiability', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="nump">126<span></span>
</td>
<td class="nump">220<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralObligationToReturnSecurities', window );">Financial Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralObligationToReturnCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="num">(35)<span></span>
</td>
<td class="num">(44)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Gross Amount</a></td>
<td class="nump">92<span></span>
</td>
<td class="nump">126<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityFairValueGrossAsset', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="nump">92<span></span>
</td>
<td class="nump">126<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimSecurities', window );">Financial Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="nump">102<span></span>
</td>
<td class="nump">83<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Mortgage-backed securities forwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Gross Amount</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetFairValueGrossLiability', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralObligationToReturnSecurities', window );">Financial Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralObligationToReturnCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="num">(1)<span></span>
</td>
<td class="num">(9)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Gross Amount</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityFairValueGrossAsset', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimSecurities', window );">Financial Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="nump">57<span></span>
</td>
<td class="nump">54<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Interest rate swaptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Gross Amount</a></td>
<td class="nump">115<span></span>
</td>
<td class="nump">182<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetFairValueGrossLiability', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="nump">115<span></span>
</td>
<td class="nump">182<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralObligationToReturnSecurities', window );">Financial Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralObligationToReturnCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="num">(34)<span></span>
</td>
<td class="num">(36)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Futures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetsAbstract', window );"><strong>Assets</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeAsset', window );">Gross Amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssetFairValueGrossLiability', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralObligationToReturnSecurities', window );">Financial Instruments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralObligationToReturnCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Gross Amount</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityFairValueGrossAsset', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimSecurities', window );">Financial Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember', window );">Derivatives not designated as hedging instruments: | Interest rate swaps</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeFairValueOfDerivativeLiability', window );">Gross Amount</a></td>
<td class="nump">59<span></span>
</td>
<td class="nump">65<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityFairValueGrossAsset', window );">Gross Amounts Netted in the Statements of Condition</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Net Amount Presented in the Statements of Condition</a></td>
<td class="nump">59<span></span>
</td>
<td class="nump">65<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimSecurities', window );">Financial Instruments</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeCollateralRightToReclaimCash', window );">Cash Collateral Pledged (Received)</a></td>
<td class="nump">$ 42<span></span>
</td>
<td class="nump">$ 29<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssetFairValueGrossLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of liability associated with financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-8<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column F))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetFairValueGrossLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-12<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480493/946-210-55-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5A<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 22: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-22<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-10<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeCollateralObligationToReturnCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of obligation to return cash collateral under master netting arrangements that have not been offset against derivative assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 13<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-13<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-20<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeCollateralObligationToReturnCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeCollateralObligationToReturnSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of obligation to return securities collateral under master netting arrangements that have not been offset against derivative assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 13<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-13<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-20<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeCollateralObligationToReturnSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeCollateralRightToReclaimCash">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of right to receive cash collateral under master netting arrangements that have not been offset against derivative liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 13<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-13<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-20<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 8<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeCollateralRightToReclaimCash</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeCollateralRightToReclaimSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of right to receive securities collateral under master netting arrangements that have not been offset against derivative liabilities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 13<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-13<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-20<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (d)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeCollateralRightToReclaimSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets elected not to be offset. Excludes assets not subject to a master netting arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-22<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-7<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4B<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4D<br> -Subparagraph (c)(2)<br> -SubTopic 20<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4D<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeFairValueOfDerivativeAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeFairValueOfDerivativeLiability">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities elected not to be offset. Excludes liabilities not subject to a master netting arrangement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-22<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-7<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4B<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4D<br> -Subparagraph (c)(2)<br> -SubTopic 20<br> -Topic 860<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481326/860-20-50-4D<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeFairValueOfDerivativeLiability</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(e))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G)(Footnote 8))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5A<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 22: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-22<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-10<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilityFairValueGrossAsset">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of asset associated with financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (b)<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 8<br> -SubTopic 20<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-8<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column F))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 20<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-20<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4B<br> -Subparagraph (a),(c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilityFairValueGrossAsset</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_DesignatedAsHedgingInstrumentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsFHLBAdvancesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsFHLBAdvancesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_MortgageBackedSecuritiesOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_MortgageBackedSecuritiesOtherMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwaptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwaptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_FutureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_FutureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>140
<FILENAME>R115.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624474464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative and Hedging Activities - Cash Flow Derivative Instruments On AOCL (Details) - Swap FHLB - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax', window );">Amount of gain (loss) recognized in AOCL</a></td>
<td class="nump">$ 9<span></span>
</td>
<td class="nump">$ 88<span></span>
</td>
<td class="nump">$ 8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax', window );">Amount of reclassified from AOCL to interest expense</a></td>
<td class="num">$ (65)<span></span>
</td>
<td class="num">$ (4)<span></span>
</td>
<td class="nump">$ 25<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4E<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4E<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax and reclassification, of gain (loss) from derivative instrument designated and qualifying cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4C<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480627/815-20-45-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4A<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-10A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-15<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (c)<br> -SubTopic 10<br> -Topic 815<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4C<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_SwapFHLBMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_SwapFHLBMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>141
<FILENAME>R116.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616262176">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Derivative and Hedging Activities - Net Gain (Loss) Recognized on Designated Instruments (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="2">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet', window );">Amount of gain (loss) recognized in AOCL</a></td>
<td class="num">$ (47)<span></span>
</td>
<td class="nump">$ 11<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_FutureMember', window );">Futures | Net return on mortgage servicing rights</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet', window );">Amount of gain (loss) recognized in AOCL</a></td>
<td class="nump">1<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsandSwaptionsMember', window );">Interest rate swaps and swaptions | Net return on mortgage servicing rights</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet', window );">Amount of gain (loss) recognized in AOCL</a></td>
<td class="num">(34)<span></span>
</td>
<td class="num">(11)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_MortgageBackedSecuritiesOtherMember', window );">Mortgage-backed securities forwards | Net return on mortgage servicing rights</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet', window );">Amount of gain (loss) recognized in AOCL</a></td>
<td class="num">(15)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_RateLockCommitmentsAndUSTreasuryFuturesMember', window );">Rate lock commitments and US Treasury futures | Net gain on loan sales</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet', window );">Amount of gain (loss) recognized in AOCL</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">28<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_ForwardCommitmentsMember', window );">Forward commitments | Other non-interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet', window );">Amount of gain (loss) recognized in AOCL</a></td>
<td class="nump">0<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember', window );">Interest rate swaps | Other non-interest income</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsGainLossLineItems', window );"><strong>Derivative Instruments, Gain (Loss) [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet', window );">Amount of gain (loss) recognized in AOCL</a></td>
<td class="num">$ (1)<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsGainLossLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4E<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4E<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsGainLossLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of realized and unrealized gain (loss) of derivative instruments not designated or qualifying as hedging instruments.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 815<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4C<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4C<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4CC<br> -SubTopic 10<br> -Topic 815<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480434/815-10-50-4CC<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_FutureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_FutureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementLocationAxis=fbc_MortgageServicingRightsMSRImpairmentRecoveryMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeStatementLocationAxis=fbc_MortgageServicingRightsMSRImpairmentRecoveryMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsandSwaptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsandSwaptionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_MortgageBackedSecuritiesOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_MortgageBackedSecuritiesOtherMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_RateLockCommitmentsAndUSTreasuryFuturesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_RateLockCommitmentsAndUSTreasuryFuturesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementLocationAxis=fbc_GainLossOnSaleOfFinancingReceivableMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeStatementLocationAxis=fbc_GainLossOnSaleOfFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_ForwardCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_ForwardCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementLocationAxis=fbc_NoninterestIncomeOtherOperatingIncomeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeStatementLocationAxis=fbc_NoninterestIncomeOtherOperatingIncomeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>142
<FILENAME>R117.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619430512">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible Assets - Goodwill (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillRollForward', window );"><strong>Goodwill [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Balance at December 31, 2022</a></td>
<td class="nump">$ 2,426<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Goodwill impairment</a></td>
<td class="nump">2,426<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Balance at December 31, 2023</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 2,426<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482548/350-20-55-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482598/350-20-45-1<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (b)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482548/350-20-55-24<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482573/350-20-50-2<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482598/350-20-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>143
<FILENAME>R118.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624414000">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Intangible Assets - Narrative (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Mar. 20, 2023</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember', window );">Other Intangible Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife', window );">Estimated useful life</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">5 years 1 month 6 days<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember', window );">Signature Bridge Bank</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles', window );">Core deposit and other intangibles</a></td>
<td class="nump">$ 464<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average amortization period of finite-lived intangible assets acquired either individually or as part of a group of assets, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to intangibles acquired in connection with a business combination for which the initial accounting was incomplete.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 805<br> -SubTopic 20<br> -Section 50<br> -Paragraph 4A<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479907/805-20-50-4A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 926<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483154/926-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BusinessAcquisitionAxis=fbc_SignatureBridgeBankMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>144
<FILENAME>R119.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734620481792">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Intangible Assets - Schedule Intangible Assets (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IntangibleAssetsGrossExcludingGoodwill', window );">Gross Carrying Amount</a></td>
<td class="nump">$ 756<span></span>
</td>
<td class="nump">$ 292<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
<td class="num">(131)<span></span>
</td>
<td class="num">(5)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IntangibleAssetsNetExcludingGoodwill', window );">Net Carrying Value</a></td>
<td class="nump">625<span></span>
</td>
<td class="nump">287<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember', window );">Core Deposits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IntangibleAssetsGrossExcludingGoodwill', window );">Gross Carrying Amount</a></td>
<td class="nump">700<span></span>
</td>
<td class="nump">250<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
<td class="num">(113)<span></span>
</td>
<td class="num">(4)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IntangibleAssetsNetExcludingGoodwill', window );">Net Carrying Value</a></td>
<td class="nump">587<span></span>
</td>
<td class="nump">246<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember', window );">Other Intangible Assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsLineItems', window );"><strong>Finite-Lived Intangible Assets [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IntangibleAssetsGrossExcludingGoodwill', window );">Gross Carrying Amount</a></td>
<td class="nump">56<span></span>
</td>
<td class="nump">42<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
<td class="num">(18)<span></span>
</td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IntangibleAssetsNetExcludingGoodwill', window );">Net Carrying Value</a></td>
<td class="nump">$ 38<span></span>
</td>
<td class="nump">$ 41<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Accumulated amount of amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 926<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483154/926-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IntangibleAssetsGrossExcludingGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount before accumulated amortization of intangible assets, excluding goodwill.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IntangibleAssetsGrossExcludingGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IntangibleAssetsNetExcludingGoodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts of all intangible assets, excluding goodwill, as of the balance sheet date, net of accumulated amortization and impairment charges.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 50<br> -Paragraph 2<br> -Subparagraph ((a)(1),(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 350<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482686/350-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IntangibleAssetsNetExcludingGoodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CoreDepositsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_OtherIntangibleAssetsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>145
<FILENAME>R120.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618760224">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Intangible Assets - Future Amortization (Details)<br> $ in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill and Intangible Assets Disclosure [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths', window );">2024</a></td>
<td class="nump">$ 132<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo', window );">2025</a></td>
<td class="nump">107<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree', window );">2026</a></td>
<td class="nump">94<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour', window );">2027</a></td>
<td class="nump">81<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive', window );">2028</a></td>
<td class="nump">68<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Total</a></td>
<td class="nump">$ 482<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 926<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483154/926-20-50-5<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 350<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482665/350-30-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FiniteLivedIntangibleAssetsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>146
<FILENAME>R121.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614277248">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Capital - Actual Capital Amount and Ratios (Details)<br></strong></div></th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($)</div>
</th>
<th class="th"><div>Mar. 17, 2017</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalAbstract', window );"><strong>Total</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessCapitalToRiskWeightedAssets', window );">Excess, ratio</a></td>
<td class="nump">0.0377<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Leverage Capital</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum', window );">Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum</a></td>
<td class="nump">0.0127<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember', window );">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Leverage Capital</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_InterestInPreferredStock', window );">Interest in preferred stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent company</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapitalAbstract', window );"><strong>Common Equity Tier 1</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapital', window );">Total capital, amount</a></td>
<td class="nump">$ 8,009,000,000<span></span>
</td>
<td class="nump">$ 6,335,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapitalRatio', window );">Total capital, ratio</a></td>
<td class="nump">0.0905<span></span>
</td>
<td class="nump">0.0906<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy', window );">Minimum for capital adequacy, amount</a></td>
<td class="nump">$ 3,983,000,000<span></span>
</td>
<td class="nump">$ 3,146,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum', window );">Minimum for capital adequacy, ratio</a></td>
<td class="nump">0.0450<span></span>
</td>
<td class="nump">0.0450<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess', window );">Excess, amount</a></td>
<td class="nump">$ 4,026,000,000<span></span>
</td>
<td class="nump">$ 3,189,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio', window );">Excess, ratio</a></td>
<td class="nump">4.55%<span></span>
</td>
<td class="nump">4.56%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalAbstract', window );"><strong>Tier 1</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Total capital, amount</a></td>
<td class="nump">$ 8,512,000,000<span></span>
</td>
<td class="nump">$ 6,838,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Total capital, ratio</a></td>
<td class="nump">0.0962<span></span>
</td>
<td class="nump">0.0978<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Minimum for capital adequacy, amount</a></td>
<td class="nump">$ 5,310,000,000<span></span>
</td>
<td class="nump">$ 4,195,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Minimum for capital adequacy, ratio</a></td>
<td class="nump">0.0600<span></span>
</td>
<td class="nump">0.0600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessTierOneRiskBasedCapital', window );">Excess, amount</a></td>
<td class="nump">$ 3,202,000,000<span></span>
</td>
<td class="nump">$ 2,643,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets', window );">Excess, ratio</a></td>
<td class="nump">0.0362<span></span>
</td>
<td class="nump">0.0378<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalAbstract', window );"><strong>Total</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Capital', window );">Total capital, amount</a></td>
<td class="nump">$ 10,415,000,000<span></span>
</td>
<td class="nump">$ 8,154,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total capital, ratio</a></td>
<td class="nump">0.1177<span></span>
</td>
<td class="nump">0.1166<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Minimum for capital adequacy, amount</a></td>
<td class="nump">$ 7,081,000,000<span></span>
</td>
<td class="nump">$ 5,593,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Minimum for capital adequacy, ratio</a></td>
<td class="nump">0.0800<span></span>
</td>
<td class="nump">0.0800<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessCapital', window );">Excess, amount</a></td>
<td class="nump">$ 3,334,000,000<span></span>
</td>
<td class="nump">$ 2,561,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessCapitalToRiskWeightedAssets', window );">Excess, ratio</a></td>
<td class="nump">0.0377<span></span>
</td>
<td class="nump">0.0366<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Leverage Capital</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Total capital, amount</a></td>
<td class="nump">$ 8,512,000,000<span></span>
</td>
<td class="nump">$ 6,838,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Total capital, ratio</a></td>
<td class="nump">0.0775<span></span>
</td>
<td class="nump">0.0970<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Minimum for capital adequacy, amount</a></td>
<td class="nump">$ 4,392,000,000<span></span>
</td>
<td class="nump">$ 2,819,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Minimum for capital adequacy, ratio</a></td>
<td class="nump">0.0400<span></span>
</td>
<td class="nump">0.0400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessTierOneLeverageCapital', window );">Excess, amount</a></td>
<td class="nump">$ 4,120,000,000<span></span>
</td>
<td class="nump">$ 4,019,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BankingRegulationTier1LeverageCapitalExcessRatio', window );">Excess, ratio</a></td>
<td class="nump">3.75%<span></span>
</td>
<td class="nump">5.70%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_SubsidiariesMember', window );">Subsidiaries</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapitalAbstract', window );"><strong>Common Equity Tier 1</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapital', window );">Total capital, amount</a></td>
<td class="nump">$ 9,305,000,000<span></span>
</td>
<td class="nump">$ 7,653,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapitalRatio', window );">Total capital, ratio</a></td>
<td class="nump">0.1052<span></span>
</td>
<td class="nump">0.1096<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy', window );">Minimum for capital adequacy, amount</a></td>
<td class="nump">$ 3,980,000,000<span></span>
</td>
<td class="nump">$ 3,142,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum', window );">Minimum for capital adequacy, ratio</a></td>
<td class="nump">0.0450<span></span>
</td>
<td class="nump">0.0450<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess', window );">Excess, amount</a></td>
<td class="nump">$ 5,325,000,000<span></span>
</td>
<td class="nump">$ 4,511,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio', window );">Excess, ratio</a></td>
<td class="nump">6.02%<span></span>
</td>
<td class="nump">6.46%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalAbstract', window );"><strong>Tier 1</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Total capital, amount</a></td>
<td class="nump">$ 9,305,000,000<span></span>
</td>
<td class="nump">$ 7,653,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Total capital, ratio</a></td>
<td class="nump">0.1052<span></span>
</td>
<td class="nump">0.1096<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">Minimum for capital adequacy, amount</a></td>
<td class="nump">$ 5,307,000,000<span></span>
</td>
<td class="nump">$ 4,189,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Minimum for capital adequacy, ratio</a></td>
<td class="nump">0.0600<span></span>
</td>
<td class="nump">0.0600<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessTierOneRiskBasedCapital', window );">Excess, amount</a></td>
<td class="nump">$ 3,998,000,000<span></span>
</td>
<td class="nump">$ 3,464,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets', window );">Excess, ratio</a></td>
<td class="nump">0.0452<span></span>
</td>
<td class="nump">0.0496<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalAbstract', window );"><strong>Total</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Capital', window );">Total capital, amount</a></td>
<td class="nump">$ 10,271,000,000<span></span>
</td>
<td class="nump">$ 7,982,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total capital, ratio</a></td>
<td class="nump">0.1161<span></span>
</td>
<td class="nump">0.1143<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Minimum for capital adequacy, amount</a></td>
<td class="nump">$ 7,076,000,000<span></span>
</td>
<td class="nump">$ 5,585,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Minimum for capital adequacy, ratio</a></td>
<td class="nump">0.0800<span></span>
</td>
<td class="nump">0.0800<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessCapital', window );">Excess, amount</a></td>
<td class="nump">$ 3,195,000,000<span></span>
</td>
<td class="nump">$ 2,397,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessCapitalToRiskWeightedAssets', window );">Excess, ratio</a></td>
<td class="nump">0.0361<span></span>
</td>
<td class="nump">0.0343<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Leverage Capital</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Total capital, amount</a></td>
<td class="nump">$ 9,305,000,000<span></span>
</td>
<td class="nump">$ 7,653,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Total capital, ratio</a></td>
<td class="nump">0.0848<span></span>
</td>
<td class="nump">0.1087<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Minimum for capital adequacy, amount</a></td>
<td class="nump">$ 4,389,000,000<span></span>
</td>
<td class="nump">$ 2,817,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Minimum for capital adequacy, ratio</a></td>
<td class="nump">0.0400<span></span>
</td>
<td class="nump">0.0400<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ExcessTierOneLeverageCapital', window );">Excess, amount</a></td>
<td class="nump">$ 4,916,000,000<span></span>
</td>
<td class="nump">$ 4,836,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_BankingRegulationTier1LeverageCapitalExcessRatio', window );">Excess, ratio</a></td>
<td class="nump">4.48%<span></span>
</td>
<td class="nump">6.87%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess Ratio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_BankingRegulationTier1LeverageCapitalExcessRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Banking Regulation, Tier 1 Leverage Capital, Excess Ratio</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_BankingRegulationTier1LeverageCapitalExcessRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_InterestInPreferredStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Depositary share interest in a share of our Fixed-to-Floating Rate Non-cumulative Perpetual Preferred Stock</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_InterestInPreferredStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types1:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Minimum capital conservation buffer percentage required to avoid restriction on payout amount of eligible retained income as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Common Equity Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Capital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of total capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Capital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum total risk-based capital required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum total risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of total risk-based capital to risk-weighted assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonEquityTierOneCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of Common Equity Tier 1 risk-based capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonEquityTierOneCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonEquityTierOneCapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonEquityTierOneCapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonEquityTierOneCapitalRatio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of Common Equity Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonEquityTierOneCapitalRatio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Common Equity Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ExcessCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of total risk-based capital exceeding minimum required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ExcessCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ExcessCapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of total risk-based capital to risk-weighted assets exceeding minimum required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ExcessCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ExcessTierOneLeverageCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of Tier 1 leverage capital exceeding minimum required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ExcessTierOneLeverageCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ExcessTierOneLeverageCapitalToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of Tier 1 leverage capital to average assets exceeding minimum required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ExcessTierOneLeverageCapitalToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ExcessTierOneRiskBasedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of Tier 1 risk-based capital exceeding minimum required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ExcessTierOneRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of Tier 1 leverage capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Tier 1 leverage capital required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Tier 1 leverage capital to average assets required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalToAverageAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of Tier 1 capital to average assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneLeverageCapitalToAverageAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of Tier 1 risk-based capital as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapital</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of minimum Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of minimum Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ratio of Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:pureItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_SubsidiariesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_SubsidiariesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>147
<FILENAME>R122.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614305808">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Capital - Preferred Stock and Treasury Stock (Details) - USD ($)<br> $ / shares in Units, $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="3">12 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 17, 2017</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Oct. 23, 2018</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance and exercise of FDIC Equity appreciation instrument (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">39,032,006<span></span>
</td>
<td class="nump">214,990,316<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in usd per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockRepurchaseProgramAuthorizedAmount1', window );">Stock repurchased authorized amount</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 300<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockSharesAcquired', window );">Treasury stock, acquired, shares (in shares)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">30,000,000<span></span>
</td>
<td class="nump">871,710,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare', window );">Treasury stock, shares average price (in dollars per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 9.61<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_TreasuryStockValueAcquiredCostMethod', window );">Treasury stock, acquired, cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 286<span></span>
</td>
<td class="nump">$ 8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Treasury stock repurchased</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 7<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember', window );">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems', window );"><strong>Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Issuance and exercise of FDIC Equity appreciation instrument (in shares)</a></td>
<td class="nump">20,600,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in usd per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockLiquidationPreference', window );">Preferred stock, liquidation preference per share (in dollars per share)</a></td>
<td class="nump">1.00<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_PreferredStockLiquidationPreferencePerDepositaryShare', window );">Stock issued during period, per depository share (in dollars per share)</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Dividend rate percentage</a></td>
<td class="nump">637.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate', window );">Preferred stock, dividend rate, basis spread on variable rate</a></td>
<td class="nump">3.821%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_PreferredStockDividendRateBasisSpreadOnVariableRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Preferred Stock, Dividend Rate, Basis Spread On Variable Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_PreferredStockDividendRateBasisSpreadOnVariableRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_PreferredStockLiquidationPreferencePerDepositaryShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Preferred Stock, Liquidation Preference Per Depositary Share</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_PreferredStockLiquidationPreferencePerDepositaryShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1B<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 942<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480696/942-505-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockDividendRatePercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The percentage rate used to calculate dividend payments on preferred stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-13<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.12-12A(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.12-12(Column A)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-12B(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockDividendRatePercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockLiquidationPreference">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-3<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-4<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockLiquidationPreference</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-13<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of new stock issued during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 505<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481004/946-505-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-03(i)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479886/946-10-S99-3<br><br>Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesNewIssues</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchaseProgramAuthorizedAmount1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of stock repurchase plan authorized.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchaseProgramAuthorizedAmount1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockAcquiredAverageCostPerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total cost of shares repurchased divided by the total number of shares repurchased.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockAcquiredAverageCostPerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockSharesAcquired">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and are being held in treasury.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockSharesAcquired</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValueAcquiredCostMethod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -SubTopic 10<br> -Topic 505<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-2<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.3-04)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480008/505-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 30<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481549/505-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockValueAcquiredCostMethod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>148
<FILENAME>R123.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734605840480">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measures - Financial Instruments Carried at Fair Value (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">$ 9,145<span></span>
</td>
<td class="nump">$ 9,060<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">902<span></span>
</td>
<td class="nump">1,115<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember', window );">Total debt securities available for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">9,145<span></span>
</td>
<td class="nump">9,060<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember', window );">Mortgage-related Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">6,563<span></span>
</td>
<td class="nump">4,789<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember', window );">GSE certificates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">1,221<span></span>
</td>
<td class="nump">1,297<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CollateralizedMortgageObligationsMember', window );">GSE CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">5,162<span></span>
</td>
<td class="nump">3,301<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember', window );">Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">180<span></span>
</td>
<td class="nump">191<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember', window );">Other Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">2,582<span></span>
</td>
<td class="nump">4,271<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USTreasurySecuritiesMember', window );">U. S. Treasury obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">198<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember', window );">GSE debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">1,609<span></span>
</td>
<td class="nump">1,398<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember', window );">Asset-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">302<span></span>
</td>
<td class="nump">361<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MunicipalBondsMember', window );">Municipal bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateBondSecuritiesMember', window );">Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">343<span></span>
</td>
<td class="nump">885<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=fbc_ForeignNotesMember', window );">Foreign notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateNoteSecuritiesMember', window );">Capital trust notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">90<span></span>
</td>
<td class="nump">90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MarketableSecurities', window );">Fair Value</a></td>
<td class="nump">9,159<span></span>
</td>
<td class="nump">9,074<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
<td class="nump">1,111<span></span>
</td>
<td class="nump">1,033<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets at fair value</a></td>
<td class="nump">11,310<span></span>
</td>
<td class="nump">11,451<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosure', window );">Total liabilities at fair value</a></td>
<td class="nump">95<span></span>
</td>
<td class="nump">136<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">123<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Mortgage Loans | Residential first mortgage loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">770<span></span>
</td>
<td class="nump">1,115<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Interest rate swaps and swaptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">115<span></span>
</td>
<td class="nump">182<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">59<span></span>
</td>
<td class="nump">65<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Futures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Rate lock commitments (fallout-adjusted)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Mortgage-backed securities forwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Total debt securities available for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">9,145<span></span>
</td>
<td class="nump">9,060<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Mortgage-related Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">6,563<span></span>
</td>
<td class="nump">4,789<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | GSE certificates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">1,221<span></span>
</td>
<td class="nump">1,297<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | GSE CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">5,162<span></span>
</td>
<td class="nump">3,301<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">180<span></span>
</td>
<td class="nump">191<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Other Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">2,582<span></span>
</td>
<td class="nump">4,271<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | U. S. Treasury obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">198<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | GSE debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">1,609<span></span>
</td>
<td class="nump">1,398<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Asset-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">302<span></span>
</td>
<td class="nump">361<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Municipal bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">343<span></span>
</td>
<td class="nump">885<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Foreign notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Capital trust notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">90<span></span>
</td>
<td class="nump">90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Equity securities:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent', window );">Equity securities:</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Mutual funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent', window );">Equity securities:</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MarketableSecurities', window );">Fair Value</a></td>
<td class="nump">198<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets at fair value</a></td>
<td class="nump">198<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosure', window );">Total liabilities at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage Loans | Residential first mortgage loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Interest rate swaps and swaptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Futures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Rate lock commitments (fallout-adjusted)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed securities forwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Total debt securities available for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">198<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-related Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | GSE certificates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | GSE CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">198<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | U. S. Treasury obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">198<span></span>
</td>
<td class="nump">1,487<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | GSE debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Asset-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Municipal bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Foreign notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Capital trust notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Equity securities:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent', window );">Equity securities:</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mutual funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent', window );">Equity securities:</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MarketableSecurities', window );">Fair Value</a></td>
<td class="nump">8,929<span></span>
</td>
<td class="nump">7,587<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets at fair value</a></td>
<td class="nump">9,957<span></span>
</td>
<td class="nump">8,922<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosure', window );">Total liabilities at fair value</a></td>
<td class="nump">92<span></span>
</td>
<td class="nump">126<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">123<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Mortgage Loans | Residential first mortgage loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">770<span></span>
</td>
<td class="nump">1,115<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Interest rate swaps and swaptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">115<span></span>
</td>
<td class="nump">182<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">59<span></span>
</td>
<td class="nump">65<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Futures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Rate lock commitments (fallout-adjusted)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Mortgage-backed securities forwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">11<span></span>
</td>
<td class="nump">36<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">61<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Total debt securities available for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">8,915<span></span>
</td>
<td class="nump">7,573<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Mortgage-related Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">6,531<span></span>
</td>
<td class="nump">4,789<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | GSE certificates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">1,221<span></span>
</td>
<td class="nump">1,297<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | GSE CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">5,162<span></span>
</td>
<td class="nump">3,301<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">148<span></span>
</td>
<td class="nump">191<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Other Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">2,384<span></span>
</td>
<td class="nump">2,784<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | U. S. Treasury obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | GSE debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">1,609<span></span>
</td>
<td class="nump">1,398<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Asset-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">302<span></span>
</td>
<td class="nump">361<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Municipal bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">6<span></span>
</td>
<td class="nump">30<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">343<span></span>
</td>
<td class="nump">885<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Foreign notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">34<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Capital trust notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">90<span></span>
</td>
<td class="nump">90<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Equity securities:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent', window );">Equity securities:</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Other Observable Inputs (Level 2) | Mutual funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent', window );">Equity securities:</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MarketableSecurities', window );">Fair Value</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
<td class="nump">1,111<span></span>
</td>
<td class="nump">1,033<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets at fair value</a></td>
<td class="nump">1,155<span></span>
</td>
<td class="nump">1,042<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosure', window );">Total liabilities at fair value</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Commercial and industrial</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Mortgage Loans | Residential first mortgage loans</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held-for-sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Interest rate swaps and swaptions</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Futures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Rate lock commitments (fallout-adjusted)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">12<span></span>
</td>
<td class="nump">9<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">3<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Mortgage-backed securities forwards</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeAssets', window );">Derivative assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Derivative liabilities</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Total debt securities available for sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Mortgage-related Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | GSE certificates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | GSE CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Other Debt Securities Available for Sale:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | U. S. Treasury obligations</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | GSE debentures</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Asset-backed securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Municipal bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Corporate bonds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Foreign notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Capital trust notes</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Equity securities:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent', window );">Equity securities:</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Significant Unobservable Inputs (Level 3) | Mutual funds</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent', window );">Equity securities:</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-12<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480493/946-210-55-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(3)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column A)(Footnote 3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5A<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 22: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-22<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-10<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(e))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G)(Footnote 8))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5A<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 22: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-22<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-10<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(1)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482736/825-10-45-1A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial and nonfinancial obligations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesFairValueDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansHeldForSaleFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in marketable security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MarketableSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValueAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CollateralizedMortgageObligationsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CollateralizedMortgageObligationsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_DebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_USTreasurySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_USTreasurySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_AssetBackedSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MunicipalBondsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MunicipalBondsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateBondSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CorporateBondSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=fbc_ForeignNotesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=fbc_ForeignNotesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_CorporateNoteSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_CorporateNoteSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_AcquisitionDevelopmentAndConstructionLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=fbc_CommercialAndIndustrialLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablePortfolioSegmentAxis=fbc_MortgageLoansHeldForInvestmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialMortgageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsandSwaptionsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=fbc_InterestRateSwapsandSwaptionsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_FutureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_FutureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateLockCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateLockCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_MortgageBackedSecuritiesOtherMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_MortgageBackedSecuritiesOtherMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_EquitySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MutualFundMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MutualFundMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>149
<FILENAME>R124.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616538512">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measures - Roll Forward of Financial Instruments (Details)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr><th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th></tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList', window );">Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</a></td>
<td class="text">Noninterest Income<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance at Beginning of Year</a></td>
<td class="nump">$ 1,032<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1', window );">Total Gains / (Losses) Recorded in Earnings</a></td>
<td class="num">(128)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases', window );">Purchases / Originations</a></td>
<td class="nump">312<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales', window );">Sales</a></td>
<td class="num">(51)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements', window );">Settlement</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet', window );">Transfers In (Out)</a></td>
<td class="num">(13)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance at End of Year</a></td>
<td class="nump">1,152<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Mortgage servicing rights</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance at Beginning of Year</a></td>
<td class="nump">1,033<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1', window );">Total Gains / (Losses) Recorded in Earnings</a></td>
<td class="num">(79)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases', window );">Purchases / Originations</a></td>
<td class="nump">208<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales', window );">Sales</a></td>
<td class="num">(51)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements', window );">Settlement</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet', window );">Transfers In (Out)</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance at End of Year</a></td>
<td class="nump">1,111<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance at Beginning of Year</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1', window );">Total Gains / (Losses) Recorded in Earnings</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases', window );">Purchases / Originations</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales', window );">Sales</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements', window );">Settlement</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet', window );">Transfers In (Out)</a></td>
<td class="nump">32<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance at End of Year</a></td>
<td class="nump">32<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Rate lock commitments (fallout-adjusted)</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward', window );"><strong>Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance at Beginning of Year</a></td>
<td class="num">(1)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1', window );">Total Gains / (Losses) Recorded in Earnings</a></td>
<td class="num">(49)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases', window );">Purchases / Originations</a></td>
<td class="nump">104<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales', window );">Sales</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements', window );">Settlement</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet', window );">Transfers In (Out)</a></td>
<td class="num">(45)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue', window );">Balance at End of Year</a></td>
<td class="nump">$ 9<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) recognized in income from asset measured at fair value on recurring basis using unobservable input (level 3).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of purchases of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of sale of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of settlement of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of transfer of financial instrument classified as an asset into (out of) level 3 of the fair value hierarchy.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)<br> -SubTopic 10<br> -Topic 820<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicates line item in statement in which net income is reported that includes gain (loss) from asset measured at fair value using unobservable input (level 3).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (c)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>enum2:enumerationSetItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=fbc_MortgageServicingRightsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=fbc_MortgageServicingRightsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_InterestRateLockCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_InterestRateLockCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>150
<FILENAME>R125.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614625744">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measures - Quantitative Information about Recurring Level 3 Fair Value Financial Instruments (Details)<br> $ in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($) </div>
<div>constant_default_rate_per_loan</div>
</th>
<th class="th">
<div>Dec. 31, 2022 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale | $</a></td>
<td class="nump">$ 9,145<span></span>
</td>
<td class="nump">$ 9,060<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember', window );">Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale | $</a></td>
<td class="nump">180<span></span>
</td>
<td class="nump">191<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights | $</a></td>
<td class="nump">1,111<span></span>
</td>
<td class="nump">1,033<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale | $</a></td>
<td class="nump">180<span></span>
</td>
<td class="nump">191<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember', window );">Recurring | Rate lock commitments (fallout-adjusted)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Rate lock commitments (net) | $</a></td>
<td class="nump">$ 3<span></span>
</td>
<td class="nump">10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputExpectedTermMember', window );">Weighted average life</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">6.83<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights | $</a></td>
<td class="nump">$ 1,111<span></span>
</td>
<td class="nump">1,033<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Recurring | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest', window );">Total debt securities available for sale | $</a></td>
<td class="nump">32<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Recurring | Rate lock commitments (fallout-adjusted)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Rate lock commitments (net) | $</a></td>
<td class="nump">$ 3<span></span>
</td>
<td class="nump">$ 10<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Option adjusted spread | Minimum | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">0.050<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Option adjusted spread | Maximum | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">0.217<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Option adjusted spread | Weighted average | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">0.054<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Constant prepayment rate | Minimum | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Constant prepayment rate | Maximum | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">0.100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Constant prepayment rate | Weighted average | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">0.079<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Weighted average cost to service per loan | Minimum | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">65.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Weighted average cost to service per loan | Maximum | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">90.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Weighted average cost to service per loan | Weighted average | Recurring</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">69.0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Origination pull-through rate | Recurring | Rate lock commitments (fallout-adjusted)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilityMeasurementInput', window );">Rate lock commitments (net), measurement input</a></td>
<td class="nump">0.6430<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Constant default rates | Minimum | Recurring | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Private Label CMOs, measurement input</a></td>
<td class="nump">0.0010<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Constant default rates | Maximum | Recurring | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Private Label CMOs, measurement input</a></td>
<td class="nump">0.0030<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Weighted average life | Minimum | Recurring | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Private Label CMOs, measurement input</a></td>
<td class="nump">0.082<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Weighted average life | Maximum | Recurring | Private Label CMOs</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosureAbstract', window );"><strong>Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput', window );">Private Label CMOs, measurement input</a></td>
<td class="nump">0.118<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member', window );">Significant Unobservable Inputs (Level 3) | Rate lock commitments (fallout-adjusted) | Recurring | Rate lock commitments (fallout-adjusted)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesFairValueDisclosureAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DerivativeLiabilities', window );">Rate lock commitments (net) | $</a></td>
<td class="nump">$ 9<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount excluding accrued interest, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479130/326-30-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of input used to measure investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (e)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480524/946-210-50-6<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(e))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H)(Footnote 7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(9)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G)(Footnote 8))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5C<br> -Subparagraph (SX 210.12-13C(Column H))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5C<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5<br> -Subparagraph (SX 210.12-13(Column G))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5A<br> -Subparagraph (SX 210.12-13A(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5A<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 5B<br> -Subparagraph (SX 210.12-13B(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-5B<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483466/210-20-50-3<br><br>Reference 22: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-22<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483444/210-20-55-10<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-10<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeLiabilityMeasurementInput">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of input used to measure derivative liability.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeLiabilityMeasurementInput</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesFairValueDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (a)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481229/860-50-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 860<br> -SubTopic 50<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481260/860-50-45-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetAtFairValueAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetMeasurementInput">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of input used to measure servicing asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetMeasurementInput</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateLockCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateLockCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputExpectedTermMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputExpectedTermMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputOptionVolatilityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputOptionVolatilityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_WeightedAverageMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_WeightedAverageMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputConstantPrepaymentRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputConstantPrepaymentRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MeasurementInputTypeAxis=fbc_WeightedAverageCosttoServicePerLoanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MeasurementInputTypeAxis=fbc_WeightedAverageCosttoServicePerLoanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MeasurementInputTypeAxis=fbc_MeasurementInputOriginationPullThroughMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MeasurementInputTypeAxis=fbc_MeasurementInputOriginationPullThroughMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputDefaultRateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputDefaultRateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MeasurementInputTypeAxis=us-gaap_InterestRateLockCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MeasurementInputTypeAxis=us-gaap_InterestRateLockCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>151
<FILENAME>R126.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734614300368">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measures - Assets Measured at Fair Value on a Nonrecurring Basis (Details) - Nonrecurring - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ImpairedLoansFairValueDisclosure', window );">Certain impaired loans</a></td>
<td class="nump">$ 197<span></span>
</td>
<td class="nump">$ 28<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other assets</a></td>
<td class="nump">50<span></span>
</td>
<td class="nump">41<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets at fair value</a></td>
<td class="nump">247<span></span>
</td>
<td class="nump">69<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ImpairedLoansFairValueDisclosure', window );">Certain impaired loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ImpairedLoansFairValueDisclosure', window );">Certain impaired loans</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other assets</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets at fair value</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember', window );">Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_ImpairedLoansFairValueDisclosure', window );">Certain impaired loans</a></td>
<td class="nump">197<span></span>
</td>
<td class="nump">28<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssetsFairValueDisclosure', window );">Other assets</a></td>
<td class="nump">50<span></span>
</td>
<td class="nump">41<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets at fair value</a></td>
<td class="nump">$ 247<span></span>
</td>
<td class="nump">$ 69<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_ImpairedLoansFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Impaired Loans, Fair Value Disclosure</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_ImpairedLoansFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 820<br> -SubTopic 10<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-3<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssetsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of other assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherAssetsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>152
<FILENAME>R127.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616420352">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measures - Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Carrying Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 11,475<span></span>
</td>
<td class="nump">$ 2,032<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure', window );">FHLB and FRB stock</a></td>
<td class="nump">1,392<span></span>
</td>
<td class="nump">1,267<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans and leases held for investment, net</a></td>
<td class="nump">83,627<span></span>
</td>
<td class="nump">68,608<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">81,526<span></span>
</td>
<td class="nump">58,721<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Borrowed funds</a></td>
<td class="nump">21,267<span></span>
</td>
<td class="nump">21,332<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimated Fair Value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">11,475<span></span>
</td>
<td class="nump">2,032<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure', window );">FHLB and FRB stock</a></td>
<td class="nump">1,392<span></span>
</td>
<td class="nump">1,267<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans and leases held for investment, net</a></td>
<td class="nump">79,333<span></span>
</td>
<td class="nump">65,673<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">81,247<span></span>
</td>
<td class="nump">58,479<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Borrowed funds</a></td>
<td class="nump">21,082<span></span>
</td>
<td class="nump">21,231<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimated Fair Value | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">11,475<span></span>
</td>
<td class="nump">2,032<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure', window );">FHLB and FRB stock</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans and leases held for investment, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">59,972<span></span>
</td>
<td class="nump">46,211<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Borrowed funds</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimated Fair Value | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure', window );">FHLB and FRB stock</a></td>
<td class="nump">1,392<span></span>
</td>
<td class="nump">1,267<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans and leases held for investment, net</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">21,275<span></span>
</td>
<td class="nump">12,268<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Borrowed funds</a></td>
<td class="nump">21,082<span></span>
</td>
<td class="nump">21,231<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimated Fair Value | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure', window );">FHLB and FRB stock</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Loans and leases held for investment, net</a></td>
<td class="nump">79,333<span></span>
</td>
<td class="nump">65,673<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract', window );"><strong>Financial Liabilities:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DepositsFairValueDisclosure', window );">Deposits</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Borrowed funds</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Federal Home Loan Bank and Federal Reserve Bank Stock, Fair Value Disclosure</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepositsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 310<br> -SubTopic 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//310-10/tableOfContent<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The fair value amount of long-term debt whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongTermDebtFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>153
<FILENAME>R128.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624816560">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measures - Narrative (Details)<br></strong></div></th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>constant_default_rate_per_loan</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputExpectedTermMember', window );">Weighted average life</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems', window );"><strong>Fair Value Inputs, Assets, Quantitative Information</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ServicingAssetMeasurementInput', window );">Mortgage servicing rights, measurement input</a></td>
<td class="nump">6.83<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetMeasurementInput">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of input used to measure servicing asset.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 820<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Subparagraph (bbb)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482106/820-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ServicingAssetMeasurementInput</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:decimalItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputExpectedTermMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MeasurementInputTypeAxis=us-gaap_MeasurementInputExpectedTermMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>154
<FILENAME>R129.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618795744">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Fair Value Measures - Changes in Fair Value Included in Earnings - Fair Value Option (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionChangesInFairValueGainLoss1', window );">Change in fair value included in earnings</a></td>
<td class="nump">$ 8<span></span>
</td>
<td class="nump">$ 43<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOptionChangesInFairValueGainLoss1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For each line item in the statement of financial position, the amounts of gains and losses from fair value changes included in earnings.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-30<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueOptionChangesInFairValueGainLoss1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>155
<FILENAME>R130.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616580912">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fair Value Measures - Differences Between Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance Outstanding - Fair Value Option (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems', window );"><strong>Fair Value, Option, Quantitative Disclosures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionContractualPrincipalOutstandingAssets', window );">Unpaid Principal Balance</a></td>
<td class="nump">$ 871<span></span>
</td>
<td class="nump">$ 1,095<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionLoansHeldAsAssets', window );">Fair Value</a></td>
<td class="nump">896<span></span>
</td>
<td class="nump">1,115<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference', window );">Fair Value Over / (Under) UPB</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=fbc_NonaccrualLoansMember', window );">Nonaccrual loans:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems', window );"><strong>Fair Value, Option, Quantitative Disclosures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionContractualPrincipalOutstandingAssets', window );">Unpaid Principal Balance</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionLoansHeldAsAssets', window );">Fair Value</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference', window );">Fair Value, Option, Loans Held as Assets, Aggregate Amount in Nonaccrual Status, Aggregated Difference</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember', window );">Other performing loans:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems', window );"><strong>Fair Value, Option, Quantitative Disclosures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionContractualPrincipalOutstandingAssets', window );">Unpaid Principal Balance</a></td>
<td class="nump">869<span></span>
</td>
<td class="nump">1,095<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionLoansHeldAsAssets', window );">Fair Value</a></td>
<td class="nump">894<span></span>
</td>
<td class="nump">1,115<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference', window );">Fair Value Over / (Under) UPB</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference', window );">Fair Value, Option, Loans Held as Assets, Aggregate Amount in Nonaccrual Status, Aggregated Difference</a></td>
<td class="nump">25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=fbc_LoansHeldForSaleMember', window );">Loans held-for-sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems', window );"><strong>Fair Value, Option, Quantitative Disclosures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionContractualPrincipalOutstandingAssets', window );">Unpaid Principal Balance</a></td>
<td class="nump">871<span></span>
</td>
<td class="nump">1,095<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionLoansHeldAsAssets', window );">Fair Value</a></td>
<td class="nump">896<span></span>
</td>
<td class="nump">1,115<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference', window );">Fair Value Over / (Under) UPB</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=fbc_LoansHeldForSaleMember', window );">Loans held-for-sale | Nonaccrual loans:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems', window );"><strong>Fair Value, Option, Quantitative Disclosures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionContractualPrincipalOutstandingAssets', window );">Unpaid Principal Balance</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionLoansHeldAsAssets', window );">Fair Value</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference', window );">Fair Value, Option, Loans Held as Assets, Aggregate Amount in Nonaccrual Status, Aggregated Difference</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancialInstrumentAxis=fbc_LoansHeldForSaleMember', window );">Loans held-for-sale | Other performing loans:</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems', window );"><strong>Fair Value, Option, Quantitative Disclosures</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionContractualPrincipalOutstandingAssets', window );">Unpaid Principal Balance</a></td>
<td class="nump">869<span></span>
</td>
<td class="nump">1,095<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_FairValueOptionLoansHeldAsAssets', window );">Fair Value</a></td>
<td class="nump">894<span></span>
</td>
<td class="nump">1,115<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference', window );">Fair Value Over / (Under) UPB</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 20<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference', window );">Fair Value, Option, Loans Held as Assets, Aggregate Amount in Nonaccrual Status, Aggregated Difference</a></td>
<td class="nump">$ 25<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FairValueOptionContractualPrincipalOutstandingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>This item represents aggregate unpaid principal balance of assets that have contractual principal amounts and for which the fair value option has been elected.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FairValueOptionContractualPrincipalOutstandingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_FairValueOptionLoansHeldAsAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Fair Value, Option, Loans Held as Assets</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_FairValueOptionLoansHeldAsAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For loans held as assets for which the fair value option has been elected, this item represents the difference between the aggregate fair value and the aggregate unpaid principal balance of those loans that are in nonaccrual status.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (e)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For loans held as assets for which the fair value option has been elected, this item represents the difference between the aggregate fair value and the aggregate unpaid principal balance of those loans that are 90 days or more past due, in nonaccrual status, or both.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 825<br> -SubTopic 10<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (e)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-30<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-31<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-32<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueOptionQuantitativeDisclosuresLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=fbc_NonaccrualLoansMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=fbc_NonaccrualLoansMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InternalCreditAssessmentAxis=us-gaap_PerformingFinancingReceivableMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentAxis=fbc_LoansHeldForSaleMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancialInstrumentAxis=fbc_LoansHeldForSaleMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>156
<FILENAME>R131.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615481072">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefits - Obligations (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward', window );"><strong>Change in Benefit Obligation:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at beginning of year</a></td>
<td class="nump">$ 116,000,000<span></span>
</td>
<td class="nump">$ 158,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
<td class="nump">5,000,000<span></span>
</td>
<td class="nump">4,000,000<span></span>
</td>
<td class="nump">$ 4,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActuarialGainLoss', window );">Actuarial gain</a></td>
<td class="nump">2,000,000<span></span>
</td>
<td class="num">(38,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid', window );">Annuity payments</a></td>
<td class="num">(7,000,000)<span></span>
</td>
<td class="num">(7,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation', window );">Settlements</a></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at end of year</a></td>
<td class="nump">115,000,000<span></span>
</td>
<td class="nump">116,000,000<span></span>
</td>
<td class="nump">158,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward', window );"><strong>Change in Plan Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of assets at beginning of year</a></td>
<td class="nump">228,000,000<span></span>
</td>
<td class="nump">283,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets', window );">Actual return (loss) on plan assets</a></td>
<td class="nump">33,000,000<span></span>
</td>
<td class="num">(47,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid', window );">Annuity payments</a></td>
<td class="nump">7,000,000<span></span>
</td>
<td class="nump">7,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanSettlementsPlanAssets', window );">Settlements</a></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of assets at end of year</a></td>
<td class="nump">253,000,000<span></span>
</td>
<td class="nump">228,000,000<span></span>
</td>
<td class="nump">283,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan', window );">Funded status</a></td>
<td class="nump">138,000,000<span></span>
</td>
<td class="nump">112,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract', window );"><strong>Changes recognized in other comprehensive income for the year ended December 31:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Amortization of actuarial gain (loss)</a></td>
<td class="num">(7,000,000)<span></span>
</td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax', window );">Amortization of prior service cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax', window );">Net actuarial (gain) loss arising during the year</a></td>
<td class="num">(18,000,000)<span></span>
</td>
<td class="nump">26,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax', window );">Total recognized in other comprehensive income for the year (pre-tax)</a></td>
<td class="num">(25,000,000)<span></span>
</td>
<td class="nump">24,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract', window );"><strong>Accumulated other comprehensive loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax', window );">Actuarial (gain) loss, net</a></td>
<td class="num">(41,000,000)<span></span>
</td>
<td class="num">(66,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax', window );">Total accumulated other comprehensive loss (pre-tax)</a></td>
<td class="nump">41,000,000<span></span>
</td>
<td class="nump">66,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember', window );">Post-Retirement Health and Welfare Benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward', window );"><strong>Change in Benefit Obligation:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at beginning of year</a></td>
<td class="nump">7,000,000<span></span>
</td>
<td class="nump">10,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActuarialGainLoss', window );">Actuarial gain</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid', window );">Annuity payments</a></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at end of year</a></td>
<td class="nump">8,000,000<span></span>
</td>
<td class="nump">7,000,000<span></span>
</td>
<td class="nump">10,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward', window );"><strong>Change in Plan Assets:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of assets at beginning of year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanContributionsByEmployer', window );">Employer contribution</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid', window );">Annuity payments</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Fair value of assets at end of year</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="nump">$ 0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan', window );">Funded status</a></td>
<td class="num">(8,000,000)<span></span>
</td>
<td class="num">(7,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract', window );"><strong>Changes recognized in other comprehensive income for the year ended December 31:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Amortization of actuarial gain (loss)</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax', window );">Amortization of prior service cost</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax', window );">Net actuarial (gain) loss arising during the year</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax', window );">Total recognized in other comprehensive income for the year (pre-tax)</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract', window );"><strong>Accumulated other comprehensive loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax', window );">Prior service cost</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax', window );">Actuarial (gain) loss, net</a></td>
<td class="num">(1,000,000)<span></span>
</td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax', window );">Total accumulated other comprehensive loss (pre-tax)</a></td>
<td class="num">$ (1,000,000)<span></span>
</td>
<td class="num">$ (2,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of accumulated other comprehensive (income) loss for defined benefit plan, that has not been recognized in net periodic benefit cost (credit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-14A<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i-k)<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-10A<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of accumulated other comprehensive income (loss) for gain (loss) of defined benefit plan, that has not been recognized in net periodic benefit (cost) credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-14A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of accumulated other comprehensive (income) loss for cost (credit) of benefit change attributable to participants' prior service from plan amendment or plan initiation of defined benefit plan, that has not been recognized in net periodic benefit cost (credit).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 220<br> -SubTopic 10<br> -Section 45<br> -Paragraph 14A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-14A<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (j)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in plan assets of defined benefit plan from actual return (loss) determined by change in fair value of plan assets adjusted for contributions, benefit payments, and other expenses.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanActuarialGainLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) from change in actuarial assumptions which (increases) decreases benefit obligation of defined benefit plan. Assumptions include, but are not limited to, interest, mortality, employee turnover, salary, and temporary deviation from substantive plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanActuarialGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitObligation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of actuarial present value of benefits attributed to service rendered by employee for defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanBenefitObligation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of payment to participant of defined benefit plan which decreases benefit obligation. For pension plan, payment includes, but is not limited to, pension benefits and death benefits. For other postretirement plan, payment includes, but is not limited to, prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480266/715-60-50-4<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(6)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanContributionsByEmployer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of contribution received by defined benefit plan from employer which increases plan assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 18<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-18<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanContributionsByEmployer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of asset segregated and restricted to provide benefit under defined benefit plan. Asset includes, but is not limited to, stock, bond, other investment, earning from investment, and contribution by employer and employee.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of funded (unfunded) status of defined benefit plan, measured as difference between fair value of plan assets and benefit obligation. Includes, but is not limited to, overfunded (underfunded) status.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480535/715-20-45-2<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanFundedStatusOfPlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInterestCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cost recognized for passage of time related to defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480535/715-20-45-3A<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 18<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-18<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanInterestCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of payment to participant under defined benefit plan which decreases plan assets. For pension plan, payment includes, but is not limited to, pension benefits and death benefits. For other postretirement plan, payment includes, but is not limited to, prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 715<br> -SubTopic 60<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480266/715-60-50-4<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(5)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanSettlementsBenefitObligation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of (increase) decrease to benefit obligation of defined benefit plan from irrevocable action relieving primary responsibility for benefit obligation and eliminating risk for obligation and assets used to effect settlement. Includes, but is not limited to, lump-sum cash payment to participant in exchange for right to receive specified benefits, purchase of nonparticipating annuity contract and change from remeasurement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(10)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanSettlementsBenefitObligation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanSettlementsPlanAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of payment, which decreases plan assets of defined benefit plan, for irrevocable action relieving primary responsibility for benefit obligation and eliminating risk for obligation and assets used to effect settlement. Transaction constituting settlement includes, but is not limited to, making lump-sum cash payment to participant in exchange for their rights to receive specified benefits and purchasing nonparticipating annuity contract.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(8)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanSettlementsPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of reclassification adjustment from accumulated other comprehensive (income) loss for prior service cost (credit) of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-15<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-17A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of gain (loss) for (increase) decrease in value of benefit obligation for change in actuarial assumptions and increase (decrease) in value of plan assets from experience different from that assumed of defined benefit plan, that has not been recognized in net periodic benefit (cost) credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 10A<br> -Subparagraph (i)<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-10A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of reclassification adjustment from accumulated other comprehensive (income) loss for net period benefit cost (credit) of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-15<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-17A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of reclassification adjustment from accumulated other comprehensive income (loss) for gain (loss) of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-15<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-17A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>157
<FILENAME>R132.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617042352">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefits - Narrative (Details) - USD ($)<br></strong></div></th>
<th class="th" colspan="4">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanCostRecognized', window );">401(k) plan contributions by employer</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 21,000,000<span></span>
</td>
<td class="nump">$ 7,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate', window );">Discount rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">470.00%<span></span>
</td>
<td class="nump">490.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected rate of return on plan assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.30%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">6.30%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease', window );">Compensation increase percentage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2.50%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Amortization of actuarial gain (loss)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 7,000,000<span></span>
</td>
<td class="nump">$ 2,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax', window );">Amortization of prior service cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Defined Benefit Plan, Net Periodic Benefit Cost (Credit)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="num">(2,000,000)<span></span>
</td>
<td class="num">(10,000,000)<span></span>
</td>
<td class="num">$ (5,000,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActuarialGainLoss', window );">Actuarial gain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
<td class="num">$ (38,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear', window );">Defined Benefit Plan, Expected Amortization, Next Fiscal Year</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths', window );">Defined Benefit Plan, Expected Future Benefit Payment, Year One</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 8,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets', window );">Long-term inflation rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Minimum | Equity securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected rate of return on plan assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Minimum | Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected rate of return on plan assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">3.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets', window );">Long-term inflation rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">7.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Maximum | Equity securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected rate of return on plan assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">8.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Maximum | Fixed income securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected rate of return on plan assets</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">5.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember', window );">Health &amp; Welfare Plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate', window );">Discount rate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">4.60%<span></span>
</td>
<td class="nump">480.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Defined Benefit Plan, Net Periodic Benefit Cost (Credit)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,000,000<span></span>
</td>
<td class="nump">$ 1,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember', window );">Health &amp; Welfare Plan | Forecast</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Defined Benefit Plan, Net Periodic Benefit Cost (Credit)</a></td>
<td class="nump">$ 1,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember', window );">Post-Retirement Health and Welfare Benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanDisclosureLineItems', window );"><strong>Defined Benefit Plan Disclosure [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax', window );">Amortization of actuarial gain (loss)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax', window );">Amortization of prior service cost</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanActuarialGainLoss', window );">Actuarial gain</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
<td class="num">$ (2,000,000)<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths', window );">Defined Benefit Plan, Expected Future Benefit Payment, Year One</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 1,000,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanActuarialGainLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) from change in actuarial assumptions which (increases) decreases benefit obligation of defined benefit plan. Assumptions include, but are not limited to, interest, mortality, employee turnover, salary, and temporary deviation from substantive plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanActuarialGainLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average rate for present value of future retirement benefits cash flows, used to determine benefit obligation of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average rate of return on plan assets, used to determine net periodic benefit cost (credit) of defined benefit plan, in subsequent interim measurement.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-8<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average rate of return on plan assets, reflecting average rate of earnings expected on existing plan assets and expected contributions, used to determine net periodic benefit cost of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average rate of compensation increase used to determine net periodic benefit cost of defined benefit plan. Plan includes, but is not limited to, pay-related defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanDisclosureLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanDisclosureLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cost (credit) included in accumulated other comprehensive (income) loss expected to be recognized in net periodic benefit cost (credit) for fiscal year following most recent annual statement of financial position.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of benefit for defined benefit plan expected to be paid in next fiscal year following current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of net periodic benefit cost (credit) for defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 18<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-18<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanCostRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cost for defined contribution plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 70<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480794/715-70-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedContributionPlanCostRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of reclassification adjustment from accumulated other comprehensive (income) loss for prior service cost (credit) of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-15<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-17A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount, before tax, of reclassification adjustment from accumulated other comprehensive income (loss) for gain (loss) of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 15<br> -SubTopic 10<br> -Topic 220<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-15<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-11<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 17A<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-17A<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=srt_ScenarioForecastMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=srt_ScenarioForecastMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>158
<FILENAME>R133.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734607298368">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefits - Schedule of Net Benefit Costs (Details) - Pension Plan - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract', window );"><strong>Components of net periodic pension expense (credit):</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
<td class="nump">$ 5<span></span>
</td>
<td class="nump">$ 4<span></span>
</td>
<td class="nump">$ 4<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets', window );">Expected return on plan assets</a></td>
<td class="num">(14)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses', window );">Amortization of net actuarial loss</a></td>
<td class="nump">7<span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="nump">7<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Net periodic pension credit</a></td>
<td class="num">$ (2)<span></span>
</td>
<td class="num">$ (10)<span></span>
</td>
<td class="num">$ (5)<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) recognized in net periodic benefit (cost) credit of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480535/715-20-45-3A<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 18<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-18<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(4)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of expected return (loss) recognized in net periodic benefit (cost) credit, calculated based on expected long-term rate of return and market-related value of plan assets of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480535/715-20-45-3A<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 18<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-18<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInterestCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cost recognized for passage of time related to defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 3A<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480535/715-20-45-3A<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 18<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-18<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanInterestCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of net periodic benefit cost (credit) for defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 18<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-18<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-6<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>159
<FILENAME>R134.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734624421952">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Employee Benefits - Weighted Average Assumption (Details)<br></strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate', window );">Discount rate</a></td>
<td class="nump">4.90%<span></span>
</td>
<td class="nump">2.60%<span></span>
</td>
<td class="nump">2.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets', window );">Expected rate of return on plan assets</a></td>
<td class="nump">6.30%<span></span>
</td>
<td class="nump">6.00%<span></span>
</td>
<td class="nump">6.30%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember', window );">Post-Retirement Health and Welfare Benefits</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate', window );">Discount rate</a></td>
<td class="nump">4.80%<span></span>
</td>
<td class="nump">2.30%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DefinedBenefitPlanCurrentMedicalTrendRate', window );">Current medical trend rate</a></td>
<td class="nump">650.00%<span></span>
</td>
<td class="nump">650.00%<span></span>
</td>
<td class="nump">650.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1', window );">Ultimate trend rate</a></td>
<td class="nump">500.00%<span></span>
</td>
<td class="nump">500.00%<span></span>
</td>
<td class="nump">500.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate', window );">Year when ultimate trend rate will be reached</a></td>
<td class="text">2029<span></span>
</td>
<td class="text">2028<span></span>
</td>
<td class="text">2027<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DefinedBenefitPlanCurrentMedicalTrendRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Plan, Current Medical Trend Rate</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DefinedBenefitPlanCurrentMedicalTrendRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average rate for present value of future retirement benefits cash flows, used to determine net periodic benefit cost of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Weighted average rate of return on plan assets, reflecting average rate of earnings expected on existing plan assets and expected contributions, used to determine net periodic benefit cost of defined benefit plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (k)(3)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Ultimate trend rate for health care cost for defined benefit postretirement plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (l)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Year ultimate health care cost trend rate is expected to be reached, in YYYY format.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (l)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:gYearListItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>160
<FILENAME>R135.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615961360">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Employee Benefits - Asset Allocation Percentage (Details) - Pension Plan<br></strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Equity securities</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">55.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Equity securities | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">45.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Equity securities | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">65.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">U.S. Large-Cap</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">27.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">U.S. Large-Cap | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">U.S. Large-Cap | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">U.S. Mid-Cap</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">7.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">U.S. Mid-Cap | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">U.S. Mid-Cap | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">U.S. Small-Cap</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">7.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">U.S. Small-Cap | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">U.S. Small-Cap | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Non-U.S.</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">14.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Non-U.S. | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Non-U.S. | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Total - Fixed Income/Cash Equivalents</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">45.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Total - Fixed Income/Cash Equivalents | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">35.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Total - Fixed Income/Cash Equivalents | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage', window );">Asset Allocation Parameters by Asset Class</a></td>
<td class="nump">55.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of target investment allocation to total plan assets. Includes, but is not limited to, percentage on weighted-average basis if more than one plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>161
<FILENAME>R136.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734606052704">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Employee Benefits- Fair Value of Investments (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityLargeCapValueMember', window );">Large-cap value | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DefinedBenefitPlanPlanAssetsShares', window );">Defined Benefit Plan, Plan Assets, Shares</a></td>
<td class="nump">100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityLargeCapValueMember', window );">Large-cap value | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DefinedBenefitPlanPlanAssetsShares', window );">Defined Benefit Plan, Plan Assets, Shares</a></td>
<td class="nump">160<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityNonUSValueMember', window );">International value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage', window );">Defined Benefit Plan, Plan Assets, Investment within Plan Asset Category, Percentage</a></td>
<td class="nump">8000.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_FixedIncomeInvestmentsMember', window );">Fixed Income Investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage', window );">Defined Benefit Plan, Plan Assets, Investment within Plan Asset Category, Percentage</a></td>
<td class="nump">8000.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_FourthFundsTargetsInvestmentsMember', window );">Fourth Funds Targets Investments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage', window );">Defined Benefit Plan, Plan Assets, Investment within Plan Asset Category, Percentage</a></td>
<td class="nump">6500.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember', window );">GSE certificates</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage', window );">Defined Benefit Plan, Plan Assets, Investment within Plan Asset Category, Percentage</a></td>
<td class="nump">5000.00%<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember', window );">Large cap value | Minimum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DefinedBenefitPlanPlanAssetsShares', window );">Defined Benefit Plan, Plan Assets, Shares</a></td>
<td class="nump">60<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember', window );">Large cap value | Maximum</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DefinedBenefitPlanPlanAssetsShares', window );">Defined Benefit Plan, Plan Assets, Shares</a></td>
<td class="nump">70<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">$ 253<span></span>
</td>
<td class="nump">$ 228<span></span>
</td>
<td class="nump">$ 283<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">240<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">13<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap value | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">12<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap value | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap value | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap growth</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">22<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap growth | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">22<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap growth | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap growth | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap core</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">17<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap core | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">17<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap core | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large-cap core | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Mid-cap core</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Mid-cap core | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">15<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Mid-cap core | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Mid-cap core | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Small-cap core</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Small-cap core | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">16<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Small-cap core | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Small-cap core | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | International growth</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">18<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | International growth | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">18<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | International growth | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | International growth | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | International value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | International value | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">10<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | International value | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | International value | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Fixed Income Funds, Intermediate Core Plus</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">98<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Fixed Income Funds, Intermediate Core Plus | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">98<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Fixed Income Funds, Intermediate Core Plus | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Fixed Income Funds, Intermediate Core Plus | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Company common stock</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Company common stock | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">31<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Company common stock | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Company common stock | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large cap value</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">13<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large cap value | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large cap value | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">13<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Large cap value | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Money market</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Money market | Quoted Prices in Active Markets for Identical Assets (Level 1)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">1<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Money market | Significant Other Observable Inputs (Level 2)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="text"> <span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan | Money market | Significant Unobservable Inputs (Level 3)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets', window );">Defined Benefit Plan, Plan Assets, Amount</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DefinedBenefitPlanPlanAssetsShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Plan, Plan Assets, Shares</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DefinedBenefitPlanPlanAssetsShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFairValueOfPlanAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of asset segregated and restricted to provide benefit under defined benefit plan. Asset includes, but is not limited to, stock, bond, other investment, earning from investment, and contribution by employer and employee.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(02)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanFairValueOfPlanAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of investment to total investment within defined benefit plan asset category.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityLargeCapValueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityLargeCapValueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_RangeAxis=srt_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_RangeAxis=srt_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityNonUSValueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityNonUSValueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_FixedIncomeInvestmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_FixedIncomeInvestmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_FourthFundsTargetsInvestmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_FourthFundsTargetsInvestmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityLargeCapGrowthMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityLargeCapGrowthMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityLargeCapCoreMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityLargeCapCoreMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityMidCapCoreMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityMidCapCoreMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquitySmallCapCoreMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquitySmallCapCoreMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityNonUSGrowthMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanEquityNonUSGrowthMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>162
<FILENAME>R137.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734619977888">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Employee Benefits - Current Allocations (Details) - Pension Plan<br></strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Current allocations percentage</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesMember', window );">Equity securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Current allocations percentage</a></td>
<td class="nump">61.00%<span></span>
</td>
<td class="nump">60.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanDebtSecurityMember', window );">Debt securities</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Current allocations percentage</a></td>
<td class="nump">39.00%<span></span>
</td>
<td class="nump">38.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember', window );">Cash equivalents</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations', window );">Current allocations percentage</a></td>
<td class="nump">0.00%<span></span>
</td>
<td class="nump">2.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Percentage of actual investment allocation to total plan assets. Includes, but is not limited to, percentage on weighted-average basis if more than one plan.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanEquitySecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanDebtSecurityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanDebtSecurityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis=us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>163
<FILENAME>R138.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734620495728">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Employee Benefits - Expected Future Payments (Details)<br> $ in Millions</strong></div></th>
<th class="th">
<div>Dec. 31, 2023 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember', window );">Pension Plan</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths', window );">Defined Benefit Plan, Expected Future Benefit Payment, Year One</a></td>
<td class="nump">$ 8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo', window );">2025</a></td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree', window );">2026</a></td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour', window );">2027</a></td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter', window );">2029 and thereafter</a></td>
<td class="nump">43<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive', window );">2028</a></td>
<td class="nump">8<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment', window );">Total</a></td>
<td class="nump">83<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember', window );">Post-Retirement Health and Welfare Benefits</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems', window );"><strong>Defined Benefit Plan, Plan Assets, Category [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths', window );">Defined Benefit Plan, Expected Future Benefit Payment, Year One</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo', window );">2025</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree', window );">2026</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour', window );">2027</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter', window );">2029 and thereafter</a></td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive', window );">2028</a></td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment', window );">Total</a></td>
<td class="nump">$ 7<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DefinedBenefitPlanExpectedFutureBenefitPayment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Defined Benefit Plan, Expected Future Benefit Payment</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DefinedBenefitPlanExpectedFutureBenefitPayment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of benefit for defined benefit plan expected to be paid in five fiscal years after fifth fiscal year following current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of benefit for defined benefit plan expected to be paid in next fiscal year following current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of benefit for defined benefit plan expected to be paid in fifth fiscal year following current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of benefit for defined benefit plan expected to be paid in fourth fiscal year following current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of benefit for defined benefit plan expected to be paid in third fiscal year following current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of benefit for defined benefit plan expected to be paid in second fiscal year following current fiscal year.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 17<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480482/715-20-55-17<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(ii)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(01)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 715<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (d)(iv)(03)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480506/715-20-50-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PensionPlansDefinedBenefitMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetirementPlanTypeAxis=us-gaap_PostemploymentRetirementBenefitsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>164
<FILENAME>R139.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734617435968">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Commitment and Contingencies - Narrative (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent', window );">Fair Value</a></td>
<td class="nump">$ 9,159<span></span>
</td>
<td class="nump">$ 9,074<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">84,619<span></span>
</td>
<td class="nump">69,001<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CollateralAxis=us-gaap_AssetPledgedAsCollateralMember', window );">Asset pledged as collateral</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent', window );">Fair Value</a></td>
<td class="nump">2,800<span></span>
</td>
<td class="nump">434<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss', window );">Loans and leases held for investment, net of deferred loan fees and costs</a></td>
<td class="nump">$ 43,100<span></span>
</td>
<td class="nump">$ 44,500<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Debt Securities, Available For Sale, Excluding Interest and Equity Securities, Current</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479344/326-20-45-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3B<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-3B<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 5<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CollateralAxis=us-gaap_AssetPledgedAsCollateralMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CollateralAxis=us-gaap_AssetPledgedAsCollateralMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>165
<FILENAME>R140.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734620613216">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Commitment and Contingencies - Off Balance Sheet (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsMaximumExposure', window );">Commercial, performance stand-by, and financial stand-by letters of credit</a></td>
<td class="nump">$ 915<span></span>
</td>
<td class="nump">$ 541<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted', window );">Total commitments</a></td>
<td class="nump">24,976<span></span>
</td>
<td class="nump">22,368<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsAxis=us-gaap_UnfundedLoanCommitmentMember', window );">Total loan commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitment', window );">Commitments</a></td>
<td class="nump">24,061<span></span>
</td>
<td class="nump">21,827<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsAxis=fbc_MultiFamilyAndCommercialRealEstateMember', window );">Multi-family and commercial real estate</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitment', window );">Commitments</a></td>
<td class="nump">52<span></span>
</td>
<td class="nump">216<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember', window );">One-to-four family first mortgage</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitment', window );">Commitments</a></td>
<td class="nump">1,694<span></span>
</td>
<td class="nump">2,066<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsAxis=fbc_AcquisitionDevelopmentAndConstructionMember', window );">Acquisition, development, and construction</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitment', window );">Commitments</a></td>
<td class="nump">3,926<span></span>
</td>
<td class="nump">3,539<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsAxis=fbc_WarehouseLoanCommitmentsMember', window );">Warehouse loan commitments</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitment', window );">Commitments</a></td>
<td class="nump">7,074<span></span>
</td>
<td class="nump">8,042<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsAxis=fbc_OtherLoanCommitmentsMember', window );">Other</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitment', window );">Commitments</a></td>
<td class="nump">$ 11,315<span></span>
</td>
<td class="nump">$ 7,964<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Other Commitments And Guarantor Obligations, Maximum Exposure, Undiscounted</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteeObligationsMaximumExposure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee or each group of similar guarantees before reduction for potential recoveries under recourse or collateralization provisions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 460<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482425/460-10-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GuaranteeObligationsMaximumExposure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Minimum amount of other commitment not otherwise specified in the taxonomy. Excludes commitments explicitly modeled in the taxonomy, including but not limited to, long-term and short-term purchase commitments, recorded and unrecorded purchase obligations, supply commitments, registration payment arrangements, leases, debt, product warranties, guarantees, environmental remediation obligations, and pensions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsAxis=us-gaap_UnfundedLoanCommitmentMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsAxis=us-gaap_UnfundedLoanCommitmentMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsAxis=fbc_MultiFamilyAndCommercialRealEstateMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsAxis=fbc_MultiFamilyAndCommercialRealEstateMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsAxis=fbc_OneToFourFamilyIncludingInterestRateLocksMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsAxis=fbc_AcquisitionDevelopmentAndConstructionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsAxis=fbc_AcquisitionDevelopmentAndConstructionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsAxis=fbc_WarehouseLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsAxis=fbc_WarehouseLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsAxis=fbc_OtherLoanCommitmentsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsAxis=fbc_OtherLoanCommitmentsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>166
<FILENAME>R141.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616410512">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Commitment and Contingencies - Obligations (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_GuarantorObligationsCurrentCarryingValueCurrent', window );">Expires Within One Year</a></td>
<td class="nump">$ 357<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent', window );">Expires After One Year</a></td>
<td class="nump">290<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsCurrentCarryingValue', window );">Total Outstanding Amount</a></td>
<td class="nump">647<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsMaximumExposure', window );">Maximum Potential Amount of Future Payments</a></td>
<td class="nump">915<span></span>
</td>
<td class="nump">$ 541<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsByNatureAxis=us-gaap_FinancialStandbyLetterOfCreditMember', window );">Financial stand-by letters of credit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_GuarantorObligationsCurrentCarryingValueCurrent', window );">Expires Within One Year</a></td>
<td class="nump">254<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent', window );">Expires After One Year</a></td>
<td class="nump">288<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsCurrentCarryingValue', window );">Total Outstanding Amount</a></td>
<td class="nump">542<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsMaximumExposure', window );">Maximum Potential Amount of Future Payments</a></td>
<td class="nump">639<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsByNatureAxis=us-gaap_PerformanceGuaranteeMember', window );">Performance stand-by letters of credit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_GuarantorObligationsCurrentCarryingValueCurrent', window );">Expires Within One Year</a></td>
<td class="nump">100<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent', window );">Expires After One Year</a></td>
<td class="nump">2<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsCurrentCarryingValue', window );">Total Outstanding Amount</a></td>
<td class="nump">102<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsMaximumExposure', window );">Maximum Potential Amount of Future Payments</a></td>
<td class="nump">102<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsByNatureAxis=fbc_CommercialLettersOfCreditMember', window );">Commercial letters of credit</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherCommitmentsLineItems', window );"><strong>Other Commitments [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_GuarantorObligationsCurrentCarryingValueCurrent', window );">Expires Within One Year</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent', window );">Expires After One Year</a></td>
<td class="nump">0<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsCurrentCarryingValue', window );">Total Outstanding Amount</a></td>
<td class="nump">3<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_GuaranteeObligationsMaximumExposure', window );">Maximum Potential Amount of Future Payments</a></td>
<td class="nump">$ 174<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_GuarantorObligationsCurrentCarryingValueCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Guarantor Obligations, Current Carrying Value, Current</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_GuarantorObligationsCurrentCarryingValueCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_GuarantorObligationsCurrentCarryingValueNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Guarantor Obligations, Current Carrying Value, Noncurrent</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_GuarantorObligationsCurrentCarryingValueNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteeObligationsCurrentCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The current carrying amount of the liability for the freestanding or embedded guarantor's obligations under the guarantee or each group of similar guarantees.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 460<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482425/460-10-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GuaranteeObligationsCurrentCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteeObligationsMaximumExposure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee or each group of similar guarantees before reduction for potential recoveries under recourse or collateralization provisions.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 460<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Subparagraph (b)(1)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482425/460-10-50-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GuaranteeObligationsMaximumExposure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCommitmentsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherCommitmentsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteeObligationsByNatureAxis=us-gaap_FinancialStandbyLetterOfCreditMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GuaranteeObligationsByNatureAxis=us-gaap_FinancialStandbyLetterOfCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteeObligationsByNatureAxis=us-gaap_PerformanceGuaranteeMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GuaranteeObligationsByNatureAxis=us-gaap_PerformanceGuaranteeMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GuaranteeObligationsByNatureAxis=fbc_CommercialLettersOfCreditMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GuaranteeObligationsByNatureAxis=fbc_CommercialLettersOfCreditMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>167
<FILENAME>R142.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734627372864">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Parent Company-Only Financial Information - Balance Sheet (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Dec. 31, 2020</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">$ 11,475<span></span>
</td>
<td class="nump">$ 2,032<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">3,254<span></span>
</td>
<td class="nump">2,250<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">114,057<span></span>
</td>
<td class="nump">90,144<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>LIABILITIES AND STOCKHOLDERS' EQUITY:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior subordinated debentures</a></td>
<td class="nump">579<span></span>
</td>
<td class="nump">575<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Subordinated notes</a></td>
<td class="nump">438<span></span>
</td>
<td class="nump">432<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">2,897<span></span>
</td>
<td class="nump">1,267<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">105,690<span></span>
</td>
<td class="nump">81,320<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders&#8217; equity</a></td>
<td class="nump">8,367<span></span>
</td>
<td class="nump">8,824<span></span>
</td>
<td class="nump">$ 7,044<span></span>
</td>
<td class="nump">$ 6,842<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders&#8217; equity</a></td>
<td class="nump">114,057<span></span>
</td>
<td class="nump">90,144<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent company</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">158<span></span>
</td>
<td class="nump">121<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures', window );">Investments in subsidiaries</a></td>
<td class="nump">9,160<span></span>
</td>
<td class="nump">9,633<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
<td class="nump">80<span></span>
</td>
<td class="nump">85<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
<td class="nump">9,398<span></span>
</td>
<td class="nump">9,839<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>LIABILITIES AND STOCKHOLDERS' EQUITY:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust', window );">Junior subordinated debentures</a></td>
<td class="nump">579<span></span>
</td>
<td class="nump">575<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubordinatedDebt', window );">Subordinated notes</a></td>
<td class="nump">438<span></span>
</td>
<td class="nump">432<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
<td class="nump">14<span></span>
</td>
<td class="nump">8<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">1,031<span></span>
</td>
<td class="nump">1,015<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders&#8217; equity</a></td>
<td class="nump">8,367<span></span>
</td>
<td class="nump">8,824<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders&#8217; equity</a></td>
<td class="nump">$ 9,398<span></span>
</td>
<td class="nump">$ 9,839<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-25<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 6: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(12))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(8))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 13: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 14: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 20: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 23: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481404/852-10-50-7<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 26: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AssetsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483467/210-10-45-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of investment in equity method investee and investment in and advance to affiliate.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, the carrying value of junior subordinated long-term debt owed to unconsolidated subsidiary trusts as of the balance sheet date. Such debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets and was initially scheduled to be repaid after one year or beyond the normal operating cycle if longer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.16)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-3<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-25<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (bb)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481203/810-10-50-3<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 7: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(14))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 13: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 19: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481404/852-10-50-7<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481404/852-10-50-7<br><br>Reference 21: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (d)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 22: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 210<br> -SubTopic 10<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02.19-26)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(25))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(23))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br><br>Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(32))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(17))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(3))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(12)(b)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 942<br> -SubTopic 210<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03.15)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 852<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481372/852-10-55-10<br><br>Reference 2: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 12<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-12<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-04(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-1<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.6-05(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479617/946-210-S99-2<br><br>Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(4)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(6))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(7))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 11: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(29))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(31))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 13: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(30))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 14: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 310<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SAB Topic 4.E)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480418/310-10-S99-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubordinatedDebt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(22))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 944<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-03(a)(16)(a)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479440/944-210-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(19))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 210<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-03(16))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479853/942-210-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubordinatedDebt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>168
<FILENAME>R143.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734615943984">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Parent Company-Only Financial Information - Income Statement (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedIncomeStatementsCaptionsLineItems', window );"><strong>Condensed Income Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
<td class="nump">$ 5,491<span></span>
</td>
<td class="nump">$ 2,092<span></span>
</td>
<td class="nump">$ 1,689<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingCostsAndExpenses', window );">Operating expenses</a></td>
<td class="nump">2,099<span></span>
</td>
<td class="nump">604<span></span>
</td>
<td class="nump">518<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax benefit and equity in undistributed&#8232; (loss) earnings of subsidiaries</a></td>
<td class="num">(50)<span></span>
</td>
<td class="nump">826<span></span>
</td>
<td class="nump">806<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="num">(29)<span></span>
</td>
<td class="num">(176)<span></span>
</td>
<td class="num">(210)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="num">(79)<span></span>
</td>
<td class="nump">650<span></span>
</td>
<td class="nump">596<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent company</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_CondensedIncomeStatementsCaptionsLineItems', window );"><strong>Condensed Income Statements, Captions [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_DividendIncomeOperating', window );">Dividends received from subsidiaries</a></td>
<td class="nump">580<span></span>
</td>
<td class="nump">335<span></span>
</td>
<td class="nump">380<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OtherIncome', window );">Other income</a></td>
<td class="nump">2<span></span>
</td>
<td class="nump">160<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
<td class="nump">582<span></span>
</td>
<td class="nump">495<span></span>
</td>
<td class="nump">381<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_OperatingCostsAndExpenses', window );">Operating expenses</a></td>
<td class="nump">108<span></span>
</td>
<td class="nump">55<span></span>
</td>
<td class="nump">50<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax benefit and equity in undistributed&#8232; (loss) earnings of subsidiaries</a></td>
<td class="nump">474<span></span>
</td>
<td class="nump">440<span></span>
</td>
<td class="nump">331<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
<td class="nump">25<span></span>
</td>
<td class="nump">14<span></span>
</td>
<td class="nump">14<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries', window );">Income before equity in undistributed (loss) earnings of subsidiaries</a></td>
<td class="nump">499<span></span>
</td>
<td class="nump">454<span></span>
</td>
<td class="nump">345<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed (loss) earnings of subsidiaries</a></td>
<td class="num">(578)<span></span>
</td>
<td class="nump">196<span></span>
</td>
<td class="nump">251<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="num">$ (79)<span></span>
</td>
<td class="nump">$ 650<span></span>
</td>
<td class="nump">$ 596<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Income (Loss), Before Undistributed Income (Loss) Of Subsidiaries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_CondensedIncomeStatementsCaptionsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Regulation S-X (SX)<br> -Number 210<br> -Section 12<br> -Subsection 04<br> -Paragraph a<br> -Publisher SEC<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.12-04(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-3<br><br>Reference 3: http://www.xbrl.org/2003/role/recommendedDisclosureRef<br> -Topic 810<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 11<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481231/810-10-45-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_CondensedIncomeStatementsCaptionsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>srt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of operating dividend income on securities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column E)(1))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 3: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480990/946-20-50-9<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 39<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480228/946-830-45-39<br><br>Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column E)(Footnote 6)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(1)(a))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(11))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 5: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 942<br> -SubTopic 235<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-05(b)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479557/942-235-S99-1<br><br>Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 25<br> -Paragraph 1<br> -SubTopic 20<br> -Topic 940<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481913/940-20-25-1<br><br>Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(10))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(15))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of income (loss) of subsidiary attributable to the parent entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromSubsidiariesNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482685/740-10-50-10<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 740<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SAB TOPIC 6.I.7)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479360/740-10-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Subparagraph (h)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 2<br> -Subparagraph (a)<br> -SubTopic 20<br> -Topic 740<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482659/740-20-45-2<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(h))<br> -SubTopic 10<br> -Topic 235<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 39<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480228/946-830-45-39<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04.1-5)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndDividendIncomeOperating</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483581/946-220-45-7<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483499/205-20-50-7<br><br>Reference 35: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 38: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 39: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OperatingCostsAndExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Excludes Selling, General and Administrative Expense.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OperatingCostsAndExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of revenue and income classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column E)(2))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column E)(Footnote 4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 320<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 6<br> -Subparagraph (SX 210.12-14(Column E)(Footnote 6)(b))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480032/946-320-S99-6<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(4))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(1)(c))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>169
<FILENAME>R144.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734616049632">
<tr>
<th class="tl" colspan="2" rowspan="2"><div style="width: 200px;"><strong>Parent Company-Only Financial Information - Cash Flows Statement (Details) - USD ($)<br> $ in Millions</strong></div></th>
<th class="th" colspan="3">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
<th class="th"><div>Dec. 31, 2021</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract', window );"><strong>CASH FLOWS FROM OPERATING ACTIVITIES:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">$ (79)<span></span>
</td>
<td class="nump">$ 650<span></span>
</td>
<td class="nump">$ 596<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Change in other assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(721)<span></span>
</td>
<td class="nump">348<span></span>
</td>
<td class="num">(284)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Decrease in other liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(255)<span></span>
</td>
<td class="num">(100)<span></span>
</td>
<td class="num">(6)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">263<span></span>
</td>
<td class="nump">1,026<span></span>
</td>
<td class="nump">290<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromInvestingActivitiesAbstract', window );"><strong>CASH FLOWS FROM INVESTING ACTIVITIES:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAcquiredFromAcquisition', window );">Cash Acquired from Acquisition</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">24,901<span></span>
</td>
<td class="nump">331<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">20,673<span></span>
</td>
<td class="num">(6,323)<span></span>
</td>
<td class="num">(2,762)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>CASH FLOWS FROM FINANCING ACTIVITIES:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Treasury stock repurchased</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="num">(7)<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash (used in) provided by financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(11,409)<span></span>
</td>
<td class="nump">5,168<span></span>
</td>
<td class="nump">2,735<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">9,527<span></span>
</td>
<td class="num">(129)<span></span>
</td>
<td class="nump">263<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at beginning of year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">2,082<span></span>
</td>
<td class="nump">2,211<span></span>
</td>
<td class="nump">1,948<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at end of year</a></td>
<td class="th" style="border-bottom: 0px;"><sup>[1]</sup></td>
<td class="nump">11,609<span></span>
</td>
<td class="nump">2,082<span></span>
</td>
<td class="nump">2,211<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember', window );">Parent company</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract', window );"><strong>CASH FLOWS FROM OPERATING ACTIVITIES:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net (loss) income</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(79)<span></span>
</td>
<td class="nump">650<span></span>
</td>
<td class="nump">596<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Change in other assets</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">30<span></span>
</td>
<td class="num">(3)<span></span>
</td>
<td class="num">(22)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Decrease in other liabilities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">6<span></span>
</td>
<td class="num">(4)<span></span>
</td>
<td class="nump">1<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet', window );">Other, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">65<span></span>
</td>
<td class="num">(130)<span></span>
</td>
<td class="nump">32<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax', window );">Equity in undistributed (loss) earnings of subsidiaries</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">578<span></span>
</td>
<td class="num">(196)<span></span>
</td>
<td class="num">(251)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">600<span></span>
</td>
<td class="nump">317<span></span>
</td>
<td class="nump">356<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ProceedsFromInvestingActivitiesAbstract', window );"><strong>CASH FLOWS FROM INVESTING ACTIVITIES:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashAcquiredFromAcquisition', window );">Cash Acquired from Acquisition</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">0<span></span>
</td>
<td class="nump">34<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_fbc_NetChangeInReceivableFromSubsidiaries', window );">Change in receivable from subsidiaries, net</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(32)<span></span>
</td>
<td class="nump">5<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(32)<span></span>
</td>
<td class="nump">39<span></span>
</td>
<td class="num">(3)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>CASH FLOWS FROM FINANCING ACTIVITIES:</strong></a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Treasury stock repurchased</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(12)<span></span>
</td>
<td class="num">(24)<span></span>
</td>
<td class="num">(16)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PaymentsOfOrdinaryDividends', window );">Cash dividends paid on common and preferred stock</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(519)<span></span>
</td>
<td class="num">(350)<span></span>
</td>
<td class="num">(349)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash (used in) provided by financing activities</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="num">(531)<span></span>
</td>
<td class="num">(374)<span></span>
</td>
<td class="num">(365)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect', window );">Net increase (decrease) in cash and cash equivalents</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">37<span></span>
</td>
<td class="num">(18)<span></span>
</td>
<td class="num">(12)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at beginning of year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">121<span></span>
</td>
<td class="nump">139<span></span>
</td>
<td class="nump">151<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents', window );">Cash and cash equivalents at end of year</a></td>
<td class="th" style="border-bottom: 0px;"><sup></sup></td>
<td class="nump">$ 158<span></span>
</td>
<td class="nump">$ 121<span></span>
</td>
<td class="nump">$ 139<span></span>
</td>
</tr>
<tr><td colspan="4"></td></tr>
<tr><td colspan="4"><table class="outerFootnotes" width="100%"><tr class="outerFootnote">
<td style="vertical-align: top; width: 12pt;" valign="top">[1]</td>
<td style="vertical-align: top;" valign="top">For further information on restricted cash, see Note 2 - Summary of Significant Accounting Policies</td>
</tr></table></td></tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fbc_NetChangeInReceivableFromSubsidiaries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Net Change In Receivable From Subsidiaries</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">fbc_NetChangeInReceivableFromSubsidiaries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>fbc_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAcquiredFromAcquisition">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the acquisition of business during the period (for example, cash that was held by the acquired business).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 12<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAcquiredFromAcquisition</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage. Excludes amount for disposal group and discontinued operations. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482913/230-10-50-8<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-4<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; including effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1<br> -SubTopic 230<br> -Topic 830<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481877/830-230-45-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromSubsidiariesNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount after tax of income (loss) of subsidiary attributable to the parent entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromSubsidiariesNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating assets classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating assets after deduction of operating liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in operating liabilities classified as other.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Subparagraph (a)<br> -SubTopic 10<br> -Topic 230<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 24<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-24<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 25<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-25<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 235<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.4-08(g)(1)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 323<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481687/323-10-50-3<br><br>Reference 3: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 825<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 28<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482907/825-10-50-28<br><br>Reference 4: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482765/220-10-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-3<br><br>Reference 6: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 1<br> -Subparagraph (b)(2)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-1<br><br>Reference 7: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 815<br> -SubTopic 40<br> -Name Accounting Standards Codification<br> -Section 65<br> -Paragraph 1<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480175/815-40-65-1<br><br>Reference 8: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 8<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-8<br><br>Reference 9: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 9<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-9<br><br>Reference 10: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 11: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-11<br><br>Reference 12: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 250<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 4<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483443/250-10-50-4<br><br>Reference 13: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 946<br> -SubTopic 830<br> -Name Accounting Standards Codification<br> -Section 55<br> -Paragraph 10<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480167/946-830-55-10<br><br>Reference 14: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483581/946-220-45-7<br><br>Reference 15: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 944<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.7-04(18))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483586/944-220-S99-1<br><br>Reference 16: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 22<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-22<br><br>Reference 17: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.6-07(9))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-1<br><br>Reference 18: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 946<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 3<br> -Subparagraph (SX 210.6-09(1)(d))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483575/946-220-S99-3<br><br>Reference 19: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(ii))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 21: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 22: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 23: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1A<br> -Subparagraph (SX 210.13-01(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1A<br><br>Reference 24: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(i))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 25: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(A))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 26: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iii)(B))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 27: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(4)(iv))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 28: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 470<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1B<br> -Subparagraph (SX 210.13-02(a)(5))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480097/470-10-S99-1B<br><br>Reference 29: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 30<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-30<br><br>Reference 30: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (f)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 31: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 260<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 60B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482689/260-10-45-60B<br><br>Reference 32: http://www.xbrl.org/2003/role/exampleRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 31<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-31<br><br>Reference 33: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 280<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 32<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482810/280-10-50-32<br><br>Reference 34: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 205<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 7<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483499/205-20-50-7<br><br>Reference 35: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 230<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 28<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28<br><br>Reference 36: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1A<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A<br><br>Reference 37: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 45<br> -Paragraph 1B<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B<br><br>Reference 38: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 220<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 2<br> -Subparagraph (SX 210.5-03(20))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2<br><br>Reference 39: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 942<br> -SubTopic 220<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.9-04(22))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfOrdinaryDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cash outflow in the form of ordinary dividends to common shareholders, preferred shareholders and noncontrolling interests, generally out of earnings.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 230<br> -SubTopic 10<br> -Section 45<br> -Paragraph 15<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147482740/230-10-45-15<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfOrdinaryDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromInvestingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromInvestingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_ConsolidatedEntitiesAxis=srt_ParentCompanyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>170
<FILENAME>R145.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.24.0.1</span><table class="report" border="0" cellspacing="2" id="idm139734618495312">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Subsequent Events (Details) - USD ($)<br> $ / shares in Units, $ in Millions</strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1">2 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Mar. 07, 2024</div></th>
<th class="th"><div>Mar. 31, 2024</div></th>
<th class="th"><div>Dec. 31, 2023</div></th>
<th class="th"><div>Dec. 31, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in usd per share)</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember', window );">Subsequent Event</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_WarrantsAndRightsOutstanding', window );">Warrants proceeds amount</a></td>
<td class="nump">$ 315<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember', window );">Subsequent Event | Equity Capital Raise</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableSale', window );">Financing receivable, sale</a></td>
<td class="nump">$ 1,050<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction', window );">Sale of stock issued in transaction (in shares)</a></td>
<td class="nump">76,630,965<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SaleOfStockPricePerShare', window );">Sale of stock price, (in dollars per share)</a></td>
<td class="nump">$ 2.00<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember', window );">Subsequent Event | Forecast</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_FinancingReceivableSale', window );">Financing receivable, sale</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 899<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fbc_SeriesBNoncumulativeConvertiblePreferredStockMember', window );">Series B Noncumulative Convertible Preferred Stock | Subsequent Event | Equity Capital Raise</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction', window );">Sale of stock issued in transaction (in shares)</a></td>
<td class="nump">192,062<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SaleOfStockPricePerShare', window );">Sale of stock price, (in dollars per share)</a></td>
<td class="nump">$ 2,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in usd per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=fbc_SeriesCNoncumulativeConvertiblePreferredStockMember', window );">Series C Noncumulative Convertible Preferred Stock | Subsequent Event | Equity Capital Raise</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SubsequentEventLineItems', window );"><strong>Subsequent Event [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction', window );">Sale of stock issued in transaction (in shares)</a></td>
<td class="nump">256,307<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_SaleOfStockPricePerShare', window );">Sale of stock price, (in dollars per share)</a></td>
<td class="nump">$ 2,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in usd per share)</a></td>
<td class="nump">0.01<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_PreferredStockConvertibleConversionPrice', window );">Conversion price (in dollars per share)</a></td>
<td class="nump">$ 2,500<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion', window );">Convertible Preferred Stock, Shares Issued upon Conversion</a></td>
<td class="nump">1,000<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Number of shares issued for each share of convertible preferred stock that is converted.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(27))<br> -SubTopic 10<br> -Topic 210<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br><br>Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Name Accounting Standards Codification<br> -Topic 505<br> -SubTopic 10<br> -Section 50<br> -Paragraph 3<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-3<br><br>Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 6<br> -Subparagraph (b)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-6<br><br>Reference 5: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 16<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-16<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableSale">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Amount of decrease in financing receivable from sale. Excludes net investment in lease.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 326<br> -SubTopic 20<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 11<br> -Subparagraph (i)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147479319/326-20-50-11<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableSale</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockConvertibleConversionPrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Per share conversion price of preferred stock.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (c)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-13<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockConvertibleConversionPrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 505<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 13<br> -Subparagraph (a)<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481112/505-10-50-13<br><br>Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef<br> -Topic 210<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section S99<br> -Paragraph 1<br> -Subparagraph (SX 210.5-02(28))<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147480566/210-10-S99-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The number of shares issued or sold by the subsidiary or equity method investee per stock transaction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SaleOfStockPricePerShare">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Per share amount received by subsidiary or equity investee for each share of common stock issued or sold in the stock transaction.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SaleOfStockPricePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubsequentEventLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Detail information of subsequent event by type. User is expected to use existing line items from elsewhere in the taxonomy as the primary line items for this disclosure, which is further associated with dimension and member elements pertaining to a subsequent event.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 830<br> -SubTopic 30<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147481674/830-30-50-2<br><br>Reference 2: http://www.xbrl.org/2003/role/disclosureRef<br> -Topic 855<br> -SubTopic 10<br> -Name Accounting Standards Codification<br> -Section 50<br> -Paragraph 2<br> -Publisher FASB<br> -URI https://asc.fasb.org//1943274/2147483399/855-10-50-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsequentEventLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WarrantsAndRightsOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Value of outstanding derivative securities that permit the holder the right to purchase securities (usually equity) from the issuer at a specified price.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WarrantsAndRightsOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsequentEventTypeAxis=us-gaap_SubsequentEventMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SubsidiarySaleOfStockAxis=fbc_EquityCapitalRaiseMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SubsidiarySaleOfStockAxis=fbc_EquityCapitalRaiseMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_srt_StatementScenarioAxis=srt_ScenarioForecastMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">srt_StatementScenarioAxis=srt_ScenarioForecastMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fbc_SeriesBNoncumulativeConvertiblePreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fbc_SeriesBNoncumulativeConvertiblePreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=fbc_SeriesCNoncumulativeConvertiblePreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=fbc_SeriesCNoncumulativeConvertiblePreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>172
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M=]W3CHG&K=!X#;[Q3X?#KHG&J]!TZVDF)_VN:Z3I%FA"1N/K>A(5M>5 TR
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M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+
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MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
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M]5&MJ1W"$#C2$#A[&8*B-2(?DK$Y91]*5GJ=GYC-"1H& 0$AD E+224_HU[
ME%J5G_0"SEY>8)K@.$97>09?9^H&JM>IG6_3Q[6F=8CTWY'IO[-7^G^=$#87
M_=D?H, 7D)PE2YRJJYU>L!Z;T?3?E%H5FTS_'7VR/O9O'M P#R,.3FG(.8'L
MOYCRN(GQ7$E-KU?WP$4?UAK:(7)_1^;^SIZ/$&ZB%*=!!#ENX3:+8]>,%;-M
M,#24JP/^$BB5ST8;+E-? XUZ!%-J59C2(SCZ]'[3S2T@[=4VU__QJ8(^KC6L
M0U@$1UH$9R^+,,E?XBB -DJQ.OLPF=_[1M5&:[630DVL[%E=GI[W5@HLKK0
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M:C^,YFT/_@MO)]F&R /E"I6P-ZG^Z)VY+-E.A];1HG(=N1/:]+<S"S-00=H
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MN8_ 7=;]4WVC15&U("NAH:&I+E/H.:DT!O!^+81^O3%=3=O%SO\#4$L#!!0
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MBKQJ_W<>NK+NR%ELJ[I8=Y5%"];99O<S>>PZXJ""1X]4(%T%HE2@P9$*M*M
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M8[!"0W5Q;8\]6#A(6@2E,2@MAM(XBB8KK/>W/:M->1EMEB=N5'E&H?F&G:K
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M;'>T@:D?1/=DR4P5"#;E&9OS_'3[&31B#*5Q%$U64F]W$[O=?5(.2,>0')I
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M(%Z_*8KZ^Y/FRZ[VW^AV^3]02P,$%     @ #U!N6(0\W-\" P  W D  !@
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M:CU#PQ<)KLI_LJEC'8M$A=(BK<&80<JRJJ2/M0\M0-_? W!K@/L<,-@#\&J
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M%Z^_T(:0S^W%15:)?]%K@YU<H'A7U<6FN9C=P2;-]_^3KXTC6A<XKN$"W%R
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M"#MY$$<E4K616:7.Q=>3\>14P#OAUDC_L9 >UI=6)XKV?3W]=CR9M,_%$38
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MB*3"QV[8@@,=ZQN2SGTD+$@0T?-I&=H-N0?P?Y13\@..HB>I .;;:6OF&W0
M+!!::&' Q#A4NI"-XH%4F;?<.M'2IB C2K%.RX+!"/$P!2:.:$JTIB>\M"WA
M!'J D;Q;&Q8LI_8!X&/^+QD^\NV(WAO\I+]U$,<FJ^Q7J##:4DTJN#\4)DQ;
M<^-/SZW&%_F=S VP"S0T9!:P&<R;2D0#?$(+%EQFQC*@D)1K,J&)6"S1DBT8
M+M/G+&>)'6YL,W0$'Q8FJQHK>2KK1'*M28V"FI9+/O$8+&\]3L&!1^WH*L)1
M5C:[&AN+F*U?M\VP6JM89J#K!&H21;1EJ$NB/JSLM@"H> _])"^Z0\*O*A]
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M38^LUO]O6?9)!K-LN%Z/:UFFB8;%L):$NDIH5&R2SATXU-]IY4AG?,]55 N
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M+E124C)_:%!S9S)JR6(K>JAAA3GR%YL%G02[L+XT+MLMXA([ID(IXA<CKZE
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MP&^% (@ (V%KUSI;=N@CRZV=P\.-9DLC>S^R+(L-/YQ@4O?BL)UH\HR4KVK
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MSCE)@<DE<F#&U^LB(9@J>^Z+DKV$I(_1@MCGT<C\<,, 8Q86?/KCQP"Q_';
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M>2+[M(W6P%IY2WSZ@>2J;8F$VD&5*/SD'#PUGOAEPWHOF\R;^GC$^0.7-F7
MV6SHCEQ.8+)KVM:@6"6L[(:21I"!L=BFD^X(BVB<0L(K:2E-!XPRR @GI/@V
M% @>,%^AAZ1L8$)2&.GOZ98#;(LMF!=X3K+[>IM2TH93>AB"K*Z8:Y?Z<^:;
MY=_&/Z2/!8,0)BM$WRS;:1$T5XEG8>P6.#=6I4">,3'"25#44A"6@J78SFG-
MUK^3%_:2UG%@::<KQ.$VJJ=RRF+7XSF[<WWSL[<[-CYV'B>,]P-!T!O3T51R
M59*=Z4-N2@^>8NK3-CUH+057>J5^2+)@.P7([ 75Z)WQMGZ''M/V(A;<KKJ[
M2RY5$G02A2C>GE?A]JR6!_VZM"3_/FIG*XY___CZ1#U1T]E$@:N]M]5Q/#E1
MOU!KI,QT[ S+B3J^O#@)<P1/U/G5N?H]UTW"W0,?RT+Q^3 XE+: P0G3^/F>
MQ0=JZ&LB<DB"V"YU^<KW*!W*%GK\1 _N#M$M6CW41]_M_J*C.M1MUM:;0H[M
MU!* =-IL&*48,-B&4G];R%!U7W&[NW.%JVY;6DMXT$)H(X.B:CV6L*R#Y:4X
MSFTJEET<&93!0NSH!&&I1KG9$EK RYS796%K*O8DD*^F;,/XDO(*%(VZ0&\H
MEK?U8=O68'])X7UG,D>AS0]V&1PP]RP@GCPTESFIIK3UG>Q$DO _'EM)P!@#
MU1UO@3D>#Q@71O2MW))FVB@-]I 37II[90OFJPX?[B=N[XSO7W-GE^B8C.6:
M/RO!%_=*G=/^@-)@_USK#IMJB%38!%?WRG0E;TE$IVIV=B+H(AQ<FN(3I[S]
M(K10P9QAP\$S!$.Y:-L[?AJ/3J>CT_%9Y]@;'MU&E+_D-GJOW:+<XVXI@,33
M@J".(B[WC>@/K=G;+825KDLZMB7=_\$*^B\-GQ;S=^4(F,=4N?AGM2XR:3MP
MO?S]TV6_E04DYOV[!XX=2?HX[,3F0)?SY9V5=TXSW,F!(@"IVF48SL]&\30.
MCD$,=7.X0>0AFW8U?"*'X1^U -M7-TQ8[_!)KW C26).M=V2PCDS\F&Y3!<=
MH\;=^') @"]Q[+.X[[1E?[BY.>)S@79EW>.3D7K[Z36;$26(QA_ XW-DG_/B
MC@] ]%ZB4X@"RBE72VORA_*X)MGDA,SX%!NS<>!UD?*A&W/3XM/R5A)"A#$I
M(;!+?-"2V!XB1%"T(7/AXIK(=S!P$9162*.V/?<V1Q)/9YT3@^]ATM*5SDDS
MDE33H<'P@.$?Y.UA46P7P8=U6F!K:RD->;+69-H=_)1Y-!]Q-5Q>RDU-!]!I
M$^=E\9E:1(18;&:U+?+$E<]I0=.1A/4VF;1/H37GR$)$6\$BPJBM3 $?NH6I
MALV%.%02AK,8DJDKN+M'8A*NW:29S7-IHDXG4M*AS E0T]=>7\IAHGP>QD:C
M+DVR[^!--^SP%:)Z/7P&HUM9^-8NWUT;:OV9KKZU,Z0_%#=-@YP'2K:NE3KA
M5FIX$?HTP;<V4K/KMLY4.*:D/XB0,M78VUS;0ZB=!:YH0[6!_A\/G0YU3@QV
ML[KS;);[;.-:Z>VRR[.Q"]7[]Q]J\QA'(X3 _X,FC\DD5I_,PF:%,-[%U72P
MRR..QM/+0ST>'W)S6A>(HA#(+O6&RZAI6=44C];4"J2FT?ED=J 79!+-KN)]
M[1\7T10H;J#E8QS%TXN'FSUFT6@T>["_8WQ%WVZP]+:G&NSAQAC<'G=[/FCV
MV9Y>C_$TNIQ.OJF](YY&5]B U["3+, 5UGTY&@WT>,QF5P>Z.J"'T]GYHQLY
MXHNKO>T;\?1J7RMK8!2_K8%UH&65IK%ZL*_*?W7U347^(=3VO<;_O<;_O<;_
M)ZKQM_XQ#/G_8B7^=ZT?"GPMO>B^N/(3R1TY5XDO/G'H]N]-(;4ND>N24;V#
M)U4PD.,UU_$&=RTMPWT#14OU96CT]BBM;SJ6XZ94U*<M=O/*,>C<C1(0YRI1
M 8&I^^"4G:WJ4NK!;E>\AFHU;W_Z^?6I#5NV,)N5C7*EA&?WNSU@A^V13^'(
M#KO.@_!\5-!>8<)2\/?^BN_]%=_[*[[W5_QY^BLDS<90Z$#U'@'.7ZHJ3[62
M#9<TR 3RYVC86@Q^U22M.E_7^#.7P(> SU^Y OZ]]>?/T_HCZ04*!1OZ,,0A
M3#UWCR[YT5#!Y@C\"/Y9B]T]1QF@O\0 E965^YA6L.*6@8/<D>7M90A]QTR^
M$,8G++J$=C@3KOVOW$9!Q?S_MZT1>PSB_TEG1!Q=34>#O1'3>&]OQ&32ZXV(
MH]G%Q8/=$4/]#T'+0E#P#7L@3H=[(,;,EYUFB.'QPCJ&Y>B^9/^O01N&5.SY
MHU]$4#%09NCAK4>1T)>JMA8]7)WOG MO/),783YM[Z1ALI+C\"!-G_;D,4P?
M%@N;C!18]F\Z;TC09>&QB&M+^$YA8O 6 QIGRAA3W <GKOJ'[X-C5G3^S(2M
M(Y3@=0)9M3'CGN]+..O@<6JT;VJ;LPSG;OU%SMD#LTF!.AZ:LOV2:R(59._)
MVE@X,7/[K5)>HR"A%ED$4&2MY1D_B"W$^?Z>@2W:V0?KYT/=JO8T&'GEBIV
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M E#HC:!HXU#W^SZ<L(9=O]G#'6.;AQRU#(<M>S3TKM1%ZQ6WK8(OTHM\I#^
MI'W;K1ZMWQ6\LJ_(-=/MBX;PR36Q%ZL5EHY'87 F,OORGKW)TQV_,+=(\SS=
M\N5&R:7*: *>KU*DG^4-;5"_07GY;U!+ P04    "  /4&Y8;DHBJ=D7  "9
M10  &0   'AL+W=O<FMS:&5E=',O<VAE970Q-2YX;6SE7/MSVT:2_E>FM+P]
MJ0ZB\"!!0G9<)<MVXBLGZ[.=I*ZN[@<0&))8DP"#AV3FK[^ONV?PH$A%VLM5
M;=558DHDY]'3SZ][&GIY7Y1?J[76M?JVW>35=V?KNMY=7UU5R5IOXVI<['2.
M;Y9%N8UKO"U75]6NU''*D[:;*]]UPZMMG.5GKU[R9Q_+5R^+IMYDN?Y8JJK9
M;N-R_UIOBOOOSKPS^\&G;+6NZ8.K5R]W\4I_UO7/NX\EWEVUJZ395N=55N2J
MU,OOSFZ\Z]<3&L\#?LGT?=7[7=%)%D7QE=Z\3[\[<XD@O=%)32O$^'&G;_5F
M0PN!C-_,FF?MEC2Q_[M=_1V?'6=9Q)6^+3:_9FF]_NYL?J92O8R;3?VIN/]!
MF_-,:;VDV%3\JNYEK!^<J:2IZF)K)H.";9;+S_B;X4-OPMP],<$W$WRF6S9B
M*M_$=?SJ95G<JY)&8S7ZA8_*LT%<EI-0/M<EOLTPKW[UH8CS2L5YJCYH'*YZ
M>55C5?KN*C$KO)85_!,K>+[ZL<CK=:7>YJE.APM<@9R6)M_2]-I_=,4W.AFK
MP'.4[_K!(^L%[1D#7B\XL=XGG>CL+EYL=*7^ZV91U25TX;^/G536F1Q?A^SC
MNMK%B?[N# 90Z?).G[WZZU^\T'WQ")63ELK)8ZL_21*/KG"<OL-EU9>U5K?%
M=A?G>Y5LXJK*EAD^WO"X>AW7ZEZK=7RG\4:K+*]U7O/\>)%MLGJOZD*MBTVJ
MX!%X"'YB,TW\5<NF;DJM\$V3U]D&FHKW-"FNU(<?WKT?JU\U;'E7E#6_-]MB
M4ZR4E2K>XIOL=YVJI*AJ1]VOLV0-(I)-D^J*MX-GJ6K0D^4KM2OQ5;:+-[#,
M39PG6L7IWV$T6JBC(S9YMR:XLLV:;>6H-*N2 B32KWJIRY)F:"V,ZD]9QJ#J
M+MXT=FDXI+J2U9/?FHPF\AFN%=16;Q>Z;%7WP2>^.D^+S28N*QP)UKS9P#%5
M%^IF2[2HC[I,B-G%\L@G#^3X@S8R>)_?::'K&I98UBLX4QF.]W!.V>4RQEY[
M-5+!S/'#J9I,QJ[Z%WH_=[S 5=/I.,![:,46&V9@)_S[1F'5N-;*<YW)S%6>
M/YY@T-R9^J%]\[=<7];%Y;)H2F4V669E5:NMI2-TW-!3L[&/T5-G[GMJSC-O
MB'E51IZ91'"'Z+"C(SA\Q 1LJ<M&'+?O1/ Q 4_SG"@*E3^>X_<O10TBVYU$
MD]:6*UG+%77N7>"LT]"9N7,5SLS9IQ,<*U"S^3BBDT"U2LNU'B.(FBQ/(?B2
MWOH^SC-5?CCVB!K7F48SY4V9-I8+SI]#$:&<CLHU2Z[)=5SFFM9)BJVFCT;^
M=,Y+C^93!\RN=IJC$_@7.-X\PFGG?-IP%BEAM9PV.4F9'/_<OU#^U/&G$^5'
M?##/=_P9!#;C%>68OA-.9]B#SH"OI\3=H-VCX#&GV>G/(!!/!0$STIM (>;*
M]W@U66'3ZNI&=/6T5.83)_0B<-(U8@DCQW6]]H.;#6 #6S9-3V!N68WU*UH5
MNO%@I_,H @O.@RBX> 8Q(JMYX(3^3(5S)X2B?!@RH(KAWCP(QZ=7;WIB=5F)
MSS5W(SG/#*Z 3OOVFW%C<9*4#2M$K2'\&AI@(Q1KQP03C'<0+?$CO_N@/N)I
M:-0#;S/4K-:95M:?$@%&V@@#NA;U>6^=+4V%9M5[H]/Z(2N)V"EL>]$G=@)]
M7?POB1T;]M]G]5I]7]SI,F>E^;Z)RQA<P]Z?FP7%@1HDPFSPHCY\_[V*2XI9
M54-^&5);V?&I6NPY?+S[X4:9P/7S^/,8A.SB4C02I_E%0R*T\<V2/'\U5C\5
M^4Z7A'XIX"!T-66RQN&-VR<6UFOPE$+:LL"A%5E[)UIP(%8E^=$%SVIV1<Z[
M>^[E'D.%BB]PN"!ZK_("(WGXLBRV/+ &".9?&N"K<K,G.FAOM=#D3RH5NBJ-
M]Q7<*!#!;PT=1:(O3>*1H \N]4[O00#"]P\_OU'GV9(C=P)CHI!-NQ"@J)B%
M6UU?]!0&5*E=G V8*%L 06!B.F98\3K.OP(Z8 E\FVUBXB7\R8[=./;MN&>8
M5Q&.P!??__3CC0)!?8+31CMJT=!9:&O'X(U2:PX/.FE(5>#_&7N>U_M=EK J
ME#:@8V'0$AGN[&)( XM>2(2)*:=(2+.L.\':1;-:@W@^%&:41:*KJI.$T::B
MY..VIR"&T5JE,:G3KI-VYC-F/3#5XXH]?T4,Z"]I?+*9EHGSJQG)Y6!BEL:$
M>3Y3O!:  EW&5RD'V+&ZU64=MY214=&:"-J=UF[C/10*R=GB[S!"H@O!16]S
MH,,DIE4J$W&@+>(,LFV&C41']+== ?J;BB;R-P3AQ%N76?5UK&Z8I@?.P&&K
M->"3/"KFC:83;^#_Z*!]W6FY=P_YCB;3T(X>JT_ EB1-,C7CU.P*>%O H1%E
MY*.-D$N]X8] ]ZKS,SV_<5S& [=).S IWN11-VV]&D$W@*;R\C,%E2[0\&<<
M:([ZS98_7N=R'3@44= 11>!'_*XO-OHY6^4Q@_0OY.ABP5BP*, (6!LM'\"A
MV&/@J)^WY%Q?-Q5Y!WC&%)XPHR2*9YZ??7Y]<W;1BE"\(2(,>33->-]D&7O+
MRL.H>K_6.24=19FM$&EJSA\./(5-3#@?86DAL]_P\IRK<)JO1= ]S&Y\#VU%
M*,P$BF)YX+,=*'"B=YR%*)Q'-N758;K9EF@Z7'EY"#W%OV.WWYJ"2-G&Y5?H
M&7(4>!$Y+9Q6*>:[B).O$I0J6 M2 @4')A&55R/GBP"BXKL8WP(8.,04#+>9
M"T4!2QNYLVJMEH!*E2(YK52QH/R/$466[Y R2="OR&5BCPYY8#HV0V:TB_>L
M^@C".C51'J9$.MYL=^(!^!"&WH0R&?;P9-RP _4?3<Q6"<PFE@%.R"=9+N4C
MDH6V*(@,G\7:C]DX(0)BWQ3!8.!I#6F(6!3>TZZ0)84UF\&2N<-UYT5^R?#*
M8#-1+GBAK(L$. 1$I]N(0!_TAJ4:/I15#/XP0Z+,21Z";=P8%VW3YQR^KLA7
ML#'X/^@?ZS_QA3PH*5K,:1S',@)]\!XD&S82+38'^R-2P<=M)7II(F"\*C7[
M<F@AT1:W@7&W08K/BM8_+.5J#22YC7-PC#F7"$ACWV=&]45?W.M4TBU(_RXK
MFHK,XQ":$H_7<;DB!J\00^BC]CM.:%K!8&@GFU+#R>0F"@]H%%X/L$F#>&W"
M8X]^0A+D18J<]9@444(/:TV[P#U<%8EJV="^AOT99HR!90>4'O+L8:AET@2-
MBY\GP\(!GPQCI7B2BFKT'!?4+1\@29H-\R4E(6KPD?AG^".8,:L)GYHK.3G;
M;V=#I5[%1I<PQ5J941^CG7_]"[+MV8OJ,3ARY%C70(;]VH1$I\"]1%;ZAJSG
M(UG-&R@TD/$E\GAAI0R3G*@=(1_>&NE^:#-4&2;ON^+<8;'"\SUZ#>9X]:>1
ME"]<-^SJ&"<*%DA'/?H'7( ,/4!0-B6,/RY73%P53;'G5$V=R ]-^>(YQ0K\
M-Z&2!3)(*5R<+B903AC,U"10<Y>R=F\VL<F[R=-]^G]"ZX5>8-)V81ZQQ,7K
MQ"?VA#-Z1?X:3;PNJ:;UVVQN,ZQ.]%).>-9!WC?RW5D;_[=]F8@F,=HH<B0T
M15G"B92BXZ3UL;)1)!,+MQ :JFD-D]#)<2PH-H&T3G,2@PT10^J-^+I_CW-@
MLCV80&,GZI_"6OS_:VMYFJ4$$S844H>95/7<>="5]TZ9"4Y ^C5WIN[$U/7^
MV$)@E)&O/.PVY7J:%/6>82',:?_%@Y]2VI/7QVW&5]A<"EN>K6^)P7@>L<$G
M@_&I*,6U+6LP,[(7CPW$]^@UG#NSR.UJ3D^U%\>"2,E]V+F;$'9<*^7&*_O=
M!.-#E>N2,(O^CNH?H)')J#I8E5)R1K7HHYY\6 WNUS@/U%;T2;T3B?>X_XGT
MY:WHB]$-]8Z4PPP=R/W-H=QO^W(7,1R0="#H]YV@A5B9U"?\5EA@L>9[RX)K
M,J2*C0&.E*0*Z;)A3)V G:0/39W2>\]QIV0G/MPDVPD<*X_T9X@6,_59"E^*
M#D*4S\*Y"L)9JZF8[#D>K"! G+ ?TN^F))7"VV#-P*=Q01BI61# )ZB),T$8
M\X,0_SBBO2F:10W8<M(FGOK3JKB)BR,;\$8F@(U,+&JKX",;:$8FJHQL6?>?
M1G_]_Z_Z&SJA3Z*:.?.9Q_H[\]AUP36R"'TH'PL9_DUDZ?B,DCQHV"1\H+_S
M$ X1^C<',H'B D%Y\\[MS@=J&P)M3& FGAOT/+,W\Q7@!I 4EFJ53:++R(2.
MD0D%(^/#VQN6D?71(^.01_;2X LC!,B=@[--Y=IR4RG9UK9 _+$I0L$52IL4
M,].[G(,K 0L-"-_LI")F2EV<*U"<K>_UIBT:4GZ@XC0UXL>@O5%]@@S-AL2R
M5ZLF2VUEU!0.NQV1=B!8)&6VD 14IE?7E%M6O=(1#*/"L:HE\CU:U%C "UMD
M;V5ES(<.LBOHZI6^O-?Q5ZJ]:)-.I'*YV\N56END<BZ5CVI9[P7C*2O<CAZ$
MM10H"SS"(0#2:JF>F/*N93:5R>ZA\&O)$F,N/2?Q+DYZ *I%@3!C\U%7&D"R
MJE/*'<_K7L&4CQ?C6)O-9:H18TE2YHRV7$=$4D)/Y;S,%DMMWF<3<$[]*I@<
M%3<KRO"H9''Q@A=)K7<U!96V/J._91773Y*L3)HML2>AJ,YD'?)Z&W_5?>Q:
M4!D63B,5;(E]*>]4ZVRUWI!<J29C$U:"+EMP=Q&;;+2G;<5#I-6)IU?5:*FF
M<Z>-J;H91K<5_V3_.!YV'O.^CN31O*DX/KZ8P!ZV(F?MX^!^GHC+JL>1=.^V
MZ 3LOU:_9'E-/O4_:=NA9^>\@!-KO'CT LSJ(KGY6&8%^5=Y]TG?%9L[.K?%
MRL/WMW3[49HZ[Q==;@\A>,7>:1JP=PH</S)1-& '.W<F[& GSHPA1.2$,^.2
MY^SQ>)0!%M;]_FA,VKI1< 5($RDF8 &\;  D"H?:<[+P[GU7/)FJ"!AV"O !
MR$"WB13$W0YQ&$#QIZ&((9HXJ&XR>V8S84\H <D%;A)V>'.)5)*(PM]';21@
M1C+>-MC#9#B7.PT1PGV75&6\+[-:7Q;+9=62<>YY2$L/B:-4]3R<'/G"F\TO
M1)1RM1QA-ZX:.--H+L0$(?^4)"!BHDS&[,P8! 7^$1QH!0EYT>WO3$6*0ZCG
M^B?A'Q@41"1"A+F)R_^'E)[\J;!O*+#^O3V?WG?Y]',O,J(0+G@LHXC/&T41
MGSYR24P!2], P3\2TXA%@5?/Y1]3?IU?]+[@-Y;(_F_GD^E%BR,('42L6#-G
MXD>#@1Y!\\"8(M> 0J-ST,+(-UH8N5P*F81=[8-KIKU:8DH7NUN.XNS6^U>?
M&5_U+:3*3J"U5[F38)EF=UG:<,375/Z/[56#U'V[NRYSE4BS!HY[>'%P$",'
M/4MTK<&Q"?ZU,K7?09@%M;1KF6E)3$V*BG72; GTU-"-O8F3TFE%HP@.L2_N
M"OUFH:1NB]W@ LZI4PL:S-VZO1CE[BOL'-M R+<W#\[C'+Q'B-_I/*4M=U3O
MIFM:WCG-;)67,9N]PB$J_QR^'F."\PB[^0IA!R[L2KHG'"-5*-7MI[<60?1Q
M34F<X*L<TTT! L!]T-=D&\*S=(4#>M=%4^FKE"[,Z'Z-.-<;4:V+W8[WUU2J
MIO#;MB/TAB&*9ZD!@U)0:=,.OD+HEUS&!E9GU&0+4-24"3.G$[SPKNI=-??U
M@ OE[94WB=A1."ILB>9V!1&R$ZZ1&,9S:<FP93^X'6HY*-8$E&#!YG+3T/V'
MX'VJMG<,9J$2/RK&B?23 8B!@H?@$X07"X:!1VA]4E5&?^-.1RPD99T>+7QO
M=R+Y/:KGCR?!W<)TYW<:%MUV [_0P"$RXM3VH^6WI)@'=4%_&O2\Z:DRX#1L
MA_QQ^<]SI\<6/*C2M: &'MHVKCV+3?#S'A<UL8 <[9!K5%/,*NETJ.-O&3*H
M-!;>.'QKX_"-&U^_]=JKA- [35T<@IE+;:]G5)6MI-^!+L_6<;[2E2UD_YG:
MT7ELTS\ 6&^KTXR\:=S#NZ7@.?=0SB!/HMK\:#YLJAC1_8K]@/U#YV,.L-_#
M8GXO?!XV;KWO-9<][^KIU$E8/+(4-9Q%!\=PVV,<-KR14V"G7'+++TB&U$V*
M(_W&MOO#7FE6)M-ESWZH'FV+0]=V7*W9Q6]2;"'QAM)SCAT_%FFOF(%9KXVO
MJM3;?OQ^UVK#FRY^OUTNY1CMO4?;+].7:YP6.R+_YO//S*M+U[_L+?B>RU?2
M$'1I*T\?))2>?REV60+ &UY<JR\(\(L-Z]RBAF>1JA=KI7#$9FAOLLJ(O9+H
M:!-:[-:_<C'AF>DS@EF*E_Z)&MP\D/.&ZR8[F\[:_A)'_:U<Q7GVNRQ$F[^V
M6>9'R69C:6IB:+1HF4JQY0^!T9!]U/,D^7VO/PK*WQ=<7+$Z2&D3RK_%<5="
M&_? Z!5A@)H:J+YE6T23+IB:>'NH"L::B%FT:J=,^&0%D0L7XEX/(?<#0GI2
MB>1.D-BT(%U"X_+++.^[+AOG4RCWG@=S?X'X,'Z:QES842](PL6>U%)E2S\=
M:#+XGZ[QNW#[! 0*<:2B+83IJ$]"NCGY[.T,00,VG ]8_Z2H?:H@(;8JZ^'+
MGH<]=K).BYZ@03A5O%K1I:)!,5PX8:]XY+9(G U%+.X8ZLYW34W^AO9;HOWX
MLP%M"\,G4H)/5@FDB/&VE2A4>F$J-;"M4Y/^&F]W+PZGFAI(]ZA!=^EHCL9U
MF;?'@]+#6WO_1-)'WWACI,^//&F $1UX< /ECJ/YDYXSH!O!D.HI[M@_>);A
MH##?+A_1#:B'"6[7&4\5?SC,\L01Z';?C&^OX7V^/)%R$?T6^D?UUI:)JP,#
MT.SICQD / JRBN=IY_53]>57?EQ-IY=P B4QL-^--'0\[R@7^%(\G,)+$B@E
MT )5?;J:S,:3*7@8CEW_M#;,QW.2Y&0,@/JD1TU$,)/Q+'JH #UP.A]/^$$6
M&>Z.I_-#X4=C-^*5YD3>R<[5ND,'HZ[Q\TAA=TAHOR>H=5 $CYXA9UFB;50Z
M<.\/^BC,8XI#1VC<G_3L_V/D)SVO<Q VGT&"R5BE-XH;O#H'_GP3(/<I&'U(
MD?";ULO,-0FHVA9Y!DPHF2_WUW,%3R"_Q6"Y ;T#X\2W8$AE6WJY:D\I"9;H
MF@?S7BSFXQ-&C-RV W'0F'X\WB%MR+BS\!2+NEC.592GA+QCSZH=CSZV&R5P
M$57F4=>L$KG_UKT17WC*J3_L]'B2/[>CYU0V/6W-@8H4=WT<V+#7V[CK 9E;
M-QUQH?-QX"M7#!#EC8&Q_&1>![6[ 7VL>S#H +!+2FH,_C'8R:6Z(0ZOU)<W
MG^36TMQ  B8.M;(HA[.(&-,YRDTX6<TMWC&M9!^XL+2MN..=OL102O3,4QO/
M@7UM+VBKAMR52[M1@WQW<?I8$VOOZ15+6UN^34WY5IXS[=_+]9&TZ$C7P=IV
MD>ZEBY0:7\5'E)H?XB3 O26(*D5TNC2FNEM[X=AR(-5;;@H@S>Z;XX/NWDX,
MQC^;AT:MVR7!U%Q!JU65?3OR3 L+VA[<FO)A@2%^WO-Q3I\5;:)":B7^\42I
MVS9Q914CE82:V!-"KD[OJI+S$GG@USRA9$,%W=*:.]^!MIJ"PO">/D<<,\_Y
M]*_IK<>5_+N([?.24N/O/_MDBK7#^D>ES%\"X$D<*E-3[S1&V(683OTQJX&2
M4!_R( 6KG%ZTI<A@'W-.I9V>^ 5B%SJ6AN6VF;LZ]2",[]@*1]Y6F#HJNMC%
M*92I<O##0T.Z:.>KHGR,.M.4+H<?32;=LS/_8$.E8?*_BGLZ4<[T'\:<DT]#
MFW[H8<MD+RFYI:R[*/</'F_N@'K(_TY%I)# ?S!]0@$SP'_M/15WL/ U\$1X
M=0#B3]Z$,U_LX_*#%I03I3Z?\42;Z@Y;2RP.5S<&AP\A_W&F_M3P^NV#Y!]+
M?3FH2U![J?3 =\^3JX_(2Y\R[,%B1R;>\E,$EU21LX^WW\:[#+SE$[:'.!#Q
MR>952KU(*A$!?Y?A.F<3(]4O>A_[PPQ7O3^7@;57_$=!R.Q!D_SEC/;3]N^.
MW,B?V^B&RQ\M^1%GRG+J%EUBJCN>3<]4*7\(1-[4Q8[_^,:BJ.MBR[^N-0RY
MI 'X?ED4M7U#&[1_C>75_P!02P,$%     @ #U!N6!5@ '<!!P  UA4  !D
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MQ[P226+OJP.!/.DFQX_.#S<U*^B=1G.OMO>;FI#W1Z5W&BCA,0:<F: UTS@
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M7 H<?5D SZ<&[X#U#3MH/N6>_P-02P,$%     @ #U!N6)43\6#1#   -4(
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MUV.2" 5' #W[5IZ&Y I[MC#XH^D=8))&K8_-[='UM/X^:O6?;-=-B,K%!M=
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M1V(SO[IC-K>S.7LD:,N&#0-I&X?M<3I@2F6UIX(OLQVUJVAS0K$!>:KT3SB
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MSS8ZV'#E% A"5/RSY:1,67&V\$2@#Z6.<Z."#/ XJ'I>T/4%( ?2&11,DQJ
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MHPS4:Z?2,K?]TBQ;6*A16#<$?ZJNY'0J>;.#ZVH;BK1$\C/&8BC.EZ@5!$?
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M'11M'-+1>=HY?3B1MU-Y.Y.W<WE[X6N>E9&NILG8X0P>'B-%1]C&H>>MON=
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MI' 6VA+3Z^]DATAK!G9.TT.EB<NC^= 9ZP@2A+8M-;TZS3V\.MI]#X&+I?@
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MVYSS^3M&'**6BV=9 BCT4E$F8Z=4JEZZKDQ+J+"<\!J8?I)S46&EIZ)P92T
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M-L5'EU\TZ*V.'X")LO,,[UH!;8%>W;*EZ34G2_RD\<ZW>(L2"!U81>WPB:9
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M1U]YW ::\UD9LIY: 07M73 T.6P8CET=[M8G48<<D/FO-,S *E%S^9I./6A
M$X'<K-M01*]'L+N4 8CKN@&QS94@MR3.!7$WT7)"P&9@C)3HCL;E,P$OH+&
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M4JN:P)#)Q67K8.#<1/QA"ZG5OS)RIS-Q*9UR;'-KR9'V\<O/]W);D7MU/O-
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M098-\#TWZ+/NA0,,/UM6_P%02P,$%     @ #U!N6$K\.K)(!   50H  !D
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MY<&A=[1I?0D4"0BX-AHU;4H>K4<B)A#)=HC(0&0& [*MI%*4@SN"OU'8MBF
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MKM6::;<:TMP+J4J[ 4X6SBGW5F-68I^=_2:@DF%''_D\$^;XO&\AU$WUDUK
ME1<0/B,@"-FM*NS*L)^+5*2[ OI TT *-Y"NPDZ);T5RRH;!"0L'X;!#WK!1
M<4CRAMTJ_GDY-U:#!7\=4M*+&!T6X2+CS)0\$1<]4-\(_2!ZLQ]_".+!3QT
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M>EL@[8<4.]%B93Y>S(36HC##)6?X8D0"N#X7&'@WH0.:KUF7_P%02P,$%
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M-#CK;4[_5% [ ]*OE+*=X"[H__O,_@502P,$%     @ #U!N6%8VL8MX!P
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M%"J[@?ZOI33'A370/M#F_P%02P,$%     @ #U!N6$"9THCC P  (PH  !D
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MMCT*^KN#/=@5GXED>YDWG+)@L\Z;ND;.U:Y0,0J5;X2R>1H[HP#Y!4H[P^/
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M\X=.$.P[JC W-V)?;?JDZ 4 5))$G7K.B)JC<*$+G%'HA!.?P!7R (R"W+W
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M7"QE,F?&KN/Y!F/LH>,!;8M"6I?!!<M2G/ZX5!2%N<6C^(#=,RX-1I4R)_+
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M#A-*8BK-!ES?"*&?)T9!_:ED^2]02P,$%     @ #U!N6&J*EU&U!@  +BH
M !D   !X;"]W;W)K<VAE971S+W-H965T-38N>&ULO5IK3^,X%/TK5G>UFI&
M-DY?L% )FH%%FED0S.Q^-LEM:TT2=VRG9:3]\6LGH6E:Q]"."Q]HFEX?^YSX
M<:[C\R7CW\4,0*+G)$[%16LFY?RLW1;A#!(B3M@<4O7+A/&$2/653]MBSH%$
M>:$D;N-.I]]."$U;H_/\WCT?G;-,QC2%>XY$EB2$_[R"F"TO6E[KY<8#G<ZD
MOM$>G<_)%!Y!?IO?<_6MO4*): *IH"Q%'"87K4OO+/![ND >\0^%I5B[1IK*
M$V/?]9?;Z*+5T2V"&$*I(8CZ6, 8XE@CJ7;\*$%;JSIUP?7K%_3KG+PB\T0$
MC%G\+XWD[*(U;*$()B2+Y0-;_@4EH;R!(8M%_A\MB]A!KX7"3$B6E(55"Q*:
M%I_DN11BK8 W;"B RP)XLT!3#7Y9P-\LT&THT"T+='-E"BJY#@&19'3.V1)Q
M':W0]$4N9EY:T:>I?NZ/DJM?J2HG1X_%\T9L@A[I-*43&I)4HLLP9%DJ:3I%
M]RRF(06!CM'?A'.BGQ/Z$( D-!8?U=UOCP'Z\/O'\[94[=&H[;"L^ZJH&S?4
M[6'TA:5R)M"G-(*H#M!61%9L\ N;*VQ%#" \0;YWA' '^X8&C=]>'!N*!V\O
M[EG8^*MGX^=X?@/>-4U)&NIG\  AT 5YBN$(7<9JK*K[@-2H1V,.$97H,Q,"
MA.D1%%5TS57H6>5,S$D(%RTU;0C@"VB-_OC-ZW?^-,GG$BQP!%:3MKN2MFM#
M'XV)F"&21BC4%_ C4^K&D$JCA 54+X?2\^ABY'G=0:^3_YVW%^L*;<?BCH]-
MH8&UA7OR[ZWX]ZS\;U,)"E4>/P'ANH=%,&>"FOD74/UU_IU!IV/DOQT[] =&
M^M8&[DF_OZ+?M])_A##C5.I9C<,"N #U.<]X.%-+B$F"_A:M3>+;$8-3WTC<
MVK0]B0]6Q =6XM<0 2<QFF1I))!@<61B.WB5[:L1@;4=>[(<KE@.K2P?5,_F
M-)10C&\3Q>'VF/:[QAZ]'=DS=OW VJ8]&9^N&)]:&=\##]7TI9?QF)%4H!G$
M4;Y T'2AU%!.39ID*%!/UV78H/]J1&!MV9Z\O4[E7SI6YC>,14L:QX@F<T)Y
M$]$2I38Q=W'?^,0-L9O/VAI29[+FQ#PKDP"40"$EV@\;*7A;@\X_-1/8CO2&
MQCYKB,3>1F2=#J[HX%>6F)>.I_H@NKK[?&LDA;>;VAN:UQ9C;'^SN24Q:^/V
M[965<_.L[F5T1=+OQVR9JADHIA-0"HB,:]-FU,#?XM4U+AUC0V2#N2@C:_U]
ML[/4N576R;-[I\\W-\4D<Z07S=QX"L63J/]F_U#BU9Z;>:ZUU[RKP72%5M>I
MLEB>W6/=9$0]<@F@A)JHJ0DIBYF9.X#!81D?Z]@4:5Z-[(W;EWQEL#R[PU()
M9)9D,=%K</3:Q+;MG8Y[37.S(;9K7KD#>Q/WE:"R6I[=:WTESQ0E$)$X5L3-
M(V/;1S4,C#<&!O8V[<NY,EZ>W7G=R1GPMTX+PRU.YIS*7N?.L\(A?)I7&37/
M[M3N'C[=&=4X;?*9FVIL!S:L[8<P9K@R9MANS.[F>KP+1!:$QGKK(K>CDTQF
M'-!4SXP"?5#.0,R(JMZX?5364)OM^E[7'Y[Z&Z+8V[)K%W&%5E>N,H+8;@3O
M.22T83O'7G37_1RG:($KM+ILE>'$^/#;9=B1;RSU=8D6N$*KZUMY6FSWM)^$
MI$F^H&<")EFLG.VB040[$.Z@GT"XJ>C87G1GQ0ZQQX@KIXSM3ODZXRG5\YTR
M@/197XA\TU'O-\YU9G24?WW*:!SI?JM26,X6D#1M1-JKV[ES.C7;KM#J4E=F
M&_?>8? [\LREOB[1 E=H=7TK/X_M?GZ'P6\'\OQB\*,^2O*7/T;I'#GW4KI#
MY &XR@/P*WNNOS +H/_0%YK2)$N,4CLR^Z7H+M$"5VAUT:M$! _?83YPF7B,
MG:(%KM#J^E9I#+:G,3O,!W8@W^(%'"4PI6"'2(?\*AWR[>G0K\X"Y+EI%K!7
MO/,K7J>9E"NTNNA5)N5[[_ &W6G*Y10M<(56U[=*N7S['O_;9X%7@#Q+2F O
MNK-BATBB_+4C'?;<YRN3),ZWSU'(DH3*1K-O!]JYV[D]NG&(O,JO\BJ_^P[#
MVFDRY10M<(56U[=*IGS[FXM]WR:7L.LOBSLG_8VM.GO=.ROE-"UJKQVD2X!/
M\P.) N5GX8I3:*N[JT./E_E1OXW[5]Y94!Q=K&"*DY1?")]2)6D,$P79.=%'
M#WEQ.+'X(MD\/Z[WQ*1D27XY Q(!UP'J]PEC\N6+KF!U1'3T/U!+ P04
M"  /4&Y8<S]DGE\#  !,$0  &0   'AL+W=O<FMS:&5E=',O<VAE970U-RYX
M;6RU6-%.VS 4_14KDZ9-8B1V:"FLK=0"TY! JF!L#],>3'+36CAVL!U:I'W\
M[+0DG=2Z4)&7UDY\C\^]]R2G;G\NU8.> 1BTR+G0@V!F3'$:ACJ904[UH2Q
MV#N95#DU=JJFH2X4T+0*RGE(HJ@;YI2)8-BOKDW4L"]+PYF B4*ZS'.JGL?
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M0&F$HFF9^S/EBX;?L7WS,Q&4-1978'$"BR,8SLC;/\@;.0?L%9I[UK;42>+
M/$N&;55@<03#&1D&!QF^(IW&>NI39M&_ G:/$ZJ=L#B!Q1$,9\0>'L2.GOCU
M3(3E#9WZA<4)+(Y@."/OZ"!OOFK(M:N&FJUGG%&)DEA=-=1987$$PQD9Q@<9
MNLT#Z[OJ7[?RHJLO;NK[QKLI-]7Z3^^F:MK.V^RKQ,;3A7HL+*[ X@061S"<
M\2E(#CX%_)2Q<WINJ.K"X@HL3F!Q!,,9>:<'>?/3QEQ[;JCM>L8=:N4X"LT:
M0FRK HLC&.XIPVE[*V57E%UY==F/DE=R+M?KUEO4]]L>/XR\7^[U&GDS1/SV
M?3"96O<7_EORA_NG"G-U>=?WVA_+9E7UJ:_E38^<O1EFJ>Z*?)]O=/5=_RF:
M>%_JKJLWNU]O9;F4S?" _N\W==T]WQ@:>*R;K[NG??4_4$L#!!0    (  ]0
M;E@+2H%C$P0  "T9   9    >&PO=V]R:W-H965T<R]S:&5E=#8R+GAM;*V9
M;6_B.!#'OXJ56YU:Z=H\  %Z@%1(5K=2NT);=>_%Z5ZXB0M6DYBU#>Q]^[.=
M-!!(O42:%RV)X_F-_9]DXG$F>\;?Q)H0B7[F62&FSEK*S9WKBF1-<BQNV884
MZLHKXSF6ZI2O7+'A!*?&*,_<P/-"-\>T<&83T[;DLPG;RHP69,F1V.8YYO_-
M2<;V4\=WWAN^T=5:Z@9W-MG@%7DB\GFSY.K,K2DIS4DA*"L0)Z]3Y]Z_B_U0
M&Y@>WRG9BZ-CI*?RPMB;/OF23AU/CXAD))$:@=7/CBQ(EFF2&L>/"NK4/K7A
M\?$[_;.9O)K,"Q9DP;*_:2K74V?DH)2\XFTFO[']7Z2:T$#S$I8)\Q_MR[[#
MH8.2K9 LKXS5"'):E+_X9R7$D8'?_\ @J R"2PUZE4'OU"#\P*!?&?0O]3"H
M#,S4W7+N1K@(2SR;<+9'7/=6-'U@U#?62B]:Z!OE27)UE2H[.9MOA6H1 BU8
M_D(+K*,GT U:+B+TP+ ZOD]^;"DG*;J*B,0T$]?J\O-3A*X^7:-/B!;HD6:9
M-INX4HU(<]VD\AZ5WH,/O/L!>F2%7 L4%RE)FP!73:6>3_ ^GWE@)3YB?HL"
M[P_U%_1:!K2PFT<DN46>;\R#MOE<8-[S/_0>7VX>6,3HU<'M&5[O5\$U,134
M/)K_/*@V]$627/S;,L1YB>RW(W7>NA,;G)"IHQ*3('Q'G-GOO_FA]V>;VI"P
M"!(6 \$:<>G7<>G;Z+/[Q0/"4B7).BIM@; RN@8"$A:5L(&!Z3?1;G;CJ]M]
M=ZQO2Y^!7_=IR#:H91M897NB*Y6@MIR@.:?I2OW@XJU-.2NFJW*0L @2%@/!
M&K$(ZUB$\*DEA(P+)"R"A,5 L$9<AG5<AM9G9(DYVN%L2]#5\W)^W1:%X=F3
M.1B=/+T+JY.NXD+"8B!80]Q1+>X((&^7C-"6'1=6/UWUA83%0+"&ON-:W[%5
MWZ^LN$G44I-*=)52D;!M(5MOX?&YQ,/P1&*KJZX20\)B(%A#8M\[+/@]J\B?
M,:U21)NRE?%Q=NB/^R?2VCUTU1:4%D/1FNH>E5.^7=T,KX1425BM31+&-ZT:
M6Q%=WX.@M B4%D/1FL$(#L$(X!<I%1,J.I"T")060]&:T3D4I[ZUQKIDJ6(G
M=(Y%[RRW^>.!UTQN$:C/&(K6U/A0:/H0E:8=TEGF_OG;^:CTJU2&=!E#T9HJ
M'^I2WUZ87KQNL7,Z"STX%[K7.Q4:M.2$HC6%/A2=OK5V^M7:!;2^K&B-;#$*
MPU-Y02M'*%HIKWNT+9P3OC+[\0*9V[/<4:U;ZSW_>[/3?=(>Z6\!9KOY@"D_
M)#QBOJ*%0!EY54CO=JCDXN7>?'DBV<9L/K\P*5EN#M<$IX3K#NKZ*V/R_40[
MJ+^0S/X'4$L#!!0    (  ]0;EAUG3[ZT@(  +X'   9    >&PO=V]R:W-H
M965T<R]S:&5E=#8S+GAM;*U576_:,!3]*U963:VT-A] 4G40J=!5J[1.J%6W
MAVD/)KD0JXY-;0/=O]^U$U(*@?&PE\2^N>?XG)ODWOY*JF== !CR6G*A!UYA
MS/S*]W560$GUA9R#P"=3J4IJ<*MFOIXKH+D#E=R/@B#V2\J$E_9=;*S2OEP8
MS@2,%=&+LJ3JSQ"X7 V\T%L''MBL,#;@I_TYG<$CF*?Y6.'.;UAR5H+03 JB
M8#KPKL.K46+S7<(/!BN]L2;6R43*9[NYRP=>8 4!A\Q8!HJW)8R <TN$,EYJ
M3J\YT@(WUVOV6^<=O4RHAI'D/UENBH%WZ9$<IG3!S8-<?87:3\_R99)K=R6K
M.C?P2+;01I8U&!643%1W^EK780,0QGL 40V(M@'=/8!.#>@XHY4R9^N&&IKV
ME5P19;.1S2Y<;1P:W3!AW^*C4?B4(<ZDPX7&B-9D),L)$]365I-S,E:2N#J1
M.U%]*[;HIS=@*./Z##-N.9UI0Q494I%)-<?0T^,-.3TY(R>$"7+/.+=D?=^@
M3GN:G]6:AI6F:(^F,"+W4IA"DR\BA_P]@8\&&Y?1VN4P.LAX ]D%Z82?2!1$
M48N@T?'P\("<3E/TCN/K_*OHU]G+@FGF:OOK&\;(G8%2_VZK6479;:>T/_N5
MGM,,!A[^S1K4$KSTXX<P#CZW^?U/9._<=QOWW4/LZ7?L34P80&:[R&0);7XK
MDIXCL;UHF491<MGWEYL^VI*"MZ1W^GJ-OMYA?5*<'Z&O(HDWCHY[P9:\W9PP
M#'KM\N)&7GQ$^?:IBG=.O RZ6ZIV<\(H2-I5)8VJY$A5A"ZQ1= )!V(DP4B)
M'S?VL>RYD#P'U=H0DIWWF"3AENS=G#!,NENR_8U66(*:N0FA4<9"F*I?--%F
M"%V[WKL5'^)PJF;)&TTUV>ZIFC%LDARF2!E<)"A)5=.BVA@Y=PUW(@VV;[<L
M<,""L@GX?"JE66_L <W(3O\"4$L#!!0    (  ]0;ECT2#<KE 4  %0G   9
M    >&PO=V]R:W-H965T<R]S:&5E=#8T+GAM;+U:77/B-A3]*QJZT]G,-,$6
M8$*:,$-P=YJ933>33-J'3A^$$:"N;%%+D.Q.?WSEC]C(-@IN;G@!V^B>>^_1
MUSU&ET\B_BI7E"KT'/)(7G562JTONET9K&A(Y)E8TTC_LA!Q2)2^C9==N8XI
MF:=&(>]BQ_&Z(6%19WR9/KN+QY=BHSB+Z%V,Y"8,2?SMFG+Q=-5Q.R\/[MER
MI9('W?'EFBSI U6/Z[M8WW4+E#D+:229B%!,%U>=B7OA]U*#M,7OC#[)G6N4
MI#(3XFMR<S._ZCA)1)330"401']MZ91RGB#I./[)03N%S\1P]_H%_5.:O$YF
M1B2="OX'FZO55>>\@^9T039<W8NG7VF>T"#!"P27Z2=ZRMLZ'11LI!)A;JPC
M"%F4?9/GG(@= ]?;8X!S UPUZ.\QZ.4&O4,-^KE!/V4F2R7EP2>*C"]C\83B
MI+5&2RY2,E-KG3Z+DGY_4+'^E6D[-9X$P2;<<*+H''U1*QJCJ0CU"%HE7;NE
MZ"8*1$C11Y\JPK@\0:?H\<%''S^<H ^(1>B6<:[[3UYVE8XFP>P&N>?KS#/>
MX]G%Z%9$:B71+]&<SDV KDZCR 6_Y'*-K8@^#<Y0S_T)80?W&@*:'FZ.&\S]
MP\U=2S:]HF=Z*5[OC3WS64C=+7]^UN;H1M%0_M74%YFO?K.O9'&YD&L2T*N.
M]B!IO*6=\8\_N)[S<Q./D& ^$)C!<;_@N&]#'_^F%U:N^4-Z!9(TV,1,,=HX
MEC.<08J3K*7;\:GNY.TN*PU-L-G$KS=QBA9& H,B@8$U@7P0*/*,9C2B"Z::
M@L\P/".R427ZAC;NT*O$WP3D[DG!*U+P7NT#EH_EI"].FC+PZHZ'U0SJ;;R!
M4TF@WF8P\IKC'Q;Q#U_I D7UR%2(/NO-6-*F\(<UM[CO]BOQ#VN#PQM5.Z#>
MIN_LX?^\B/_<&O\]#3B1DBU80-*M>!&+$$V^3&^:,K%BM5U'(,%\(#"#PU'!
MX>B(:_4(DF-(,!\(S.#8=<I2Q7G[2I%C[,ZU?F49GMK]M"4%"LUD9:> <__G
M_$7_HL=(BP'.ONMQN=0B(-WHR%97<F3&Z:F6#:>2<+JS]UTT<FJ-H.V(!$7S
MH=!,]G')/C[BS,^=01$-B>9#H9E$E]6P:RT$6Y1J.=#N"N!4%P#0"A8*S62F
MK&%=>Q%[6 V8@UA9L?IIS0H0FLE*61B[]LKXL,VB7M#62+&Z:4T*$)I)2EEJ
MN_9:N_5>$1"Y0@NN_:SH?+EO>[ Z;;UJ0:+Y4&@FX:4V<(?'W!ZL2J0UT9!H
M/A2:270I8ER[BCEP$3QO4KG5&0\J2Z#03%Y*8>)::_(#E\%1O68^K[("*B2@
MT,SWA*62P'8E<8AFQW4AX0TJI-C=M"4%"LTDI102^ U"8G<A\_7TBO3W=3;1
MT!TG>K>8S/_>2!722*&)4C&;;50B,I 2Z([$^G$CR:#* A3-AT(SNZ-4%OB8
MR@*#*@M0-!\*S22Z5!;8KBPFH8@5^YZ->;%(_C5*AW>^CZ!U_B_76@]SQ!*&
M&ZL@7)<=I]6MQ1Y):][>0W?@4G=@"-V!Z[JC^N+<[J<U*^^A.W"I.S" [L!U
MW>%520'5'5!H)BFE[L!OT!UW1&_$B4\64,09F3'.U+=&VD"%!BB:#X5F,EP*
M#7Q,H8%!A08HF@^%9A)="@UL%QI0NT5=B53?/-@#:4W;>^@07.H0;-<AKQ27
M:D-B1GCZAJ_YK9X=O_60!%4S4&CF.8%2S?2<8YX4@-0T4U T'PK-)+I42#V[
M0@*:^[F7@:U2M$?2FC=0*=/=.6X4TGB9'MN2*!";2&6G=8JGQ=&P27H@JO+\
MVKWPLP->)4QVWNR6Q,OD%22G"PWIG TU67%VA"N[46*='FJ:":5$F%ZN*)G3
M.&F@?U\(H5YN$@?%0;KQ?U!+ P04    "  /4&Y8T.FO5'L*  #@40  &0
M 'AL+W=O<FMS:&5E=',O<VAE970V-2YX;6RU7-MNXT82_15"&RP28&R1[&Y>
M9FT#,YI+ L2(,<XD#\$^4%+;)H8B'9*R)_OUVZ1D%?M6DLS6RXPDGRY6=;/K
M5!U>+IZK^EOSP'GK?5\597,Y>6C;Q[?3:;-XX*NL.:\>>2G^<E?5JZP57^O[
M:?-8\VS9#UH5T]#WH^DJR\O)U47_VTU]=5&MVR(O^4WM->O5*JO_><^+ZOER
M$DQ>?OB2WS^TW0_3JXO'[)[?\O;KXTTMODUW5I;YBI=-7I5>S>\N)^^"M[/
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M@R(_/63I,JG<.G>-@HI *"V&TAB*9N?&B,E@W$^-@HI**"V&TAB*9B?(R-/
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MD\C:5P8_*2[4RABL)V,A'NSD)NL[GA6$#%-M&8CYF^,E,F:)C(S'AM-IC[3
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M1>>+NG@\?<O/YZ*NB\/IY0-/=KQL!,3_]T51OUPT7QQT^::HS?\!4$L#!!0
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M>)C!IMH>_B_^/F9"&4"Y8P [#F"7#HB/ ^+]0@\SVR_K0]$7-U=M\Q*U8_2
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M$*4GJO;3I@&].8K<83M(BVVJ]-BF<.MJZ$,CSC_Y!L=,YJ2(EC/MKEUD/7-
MP^IT_;JV,)_FH8@?%M"LH[A]M-'@)ME0%!'<H!HBJJU]I,%4\U/'J,.QHTI7
M:WJFK;6#JN")"X;TWYD@12&E@S9E ?T[BMM(&PUND@U%$<$=JB&>"H."YALJ
MJH19*A\*.7XDY\>B?:BV7527]P,\>3?>S]X>/N3R\*)OGO:?$WG7]'VSV7_Y
M6!;KLAT#AI_?-TW_^F+\Z,G39XW>_ ]02P,$%     @ #U!N6.EI7T)^%
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M1_#WARE'J"P9%P8YN&ORFB-2*T>P$)0RD_]$D3F/'-TU>\T2J94E6 I**4M
MG) Y@1S=-7NTK\"ZL8 EH93R1)DF)/D01)%JHDAM>PMXD$@I2*2%(M=-"))(
M-4FD,DE8<2BE'%$-D\IQ*T*@1*I1(CT+)=AV,#/[BJR"R>_CV@Y-#:E,#:]
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MO?EV?.MDP:>,G\G\;)WO!#K\$*!U+ J)TF/+7ANL@PQ>;2 UTR4:_/S014*
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M8?-QU!Y41C?*J-14HP&&A.#,.$'$/*TO. A* $$)G*!.9UPKH&1</X@YD$<
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MJ=Z:R''ILO)H-;WE9&?S6\6D 29+N$429^ 0KKEDLN!,P.NJHN"!JN#=_,'
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M4'2[W9R]"-/EY_$PI.\H&IR:@\"*3).C4_*KP]P+"ZL:/VL6RM+D\H\K^E9
M[0[0^THI^[1P#KJOC_P'4$L#!!0    (  ]0;EC/-@23N00  /\5   9
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ML<J3LSE5$XG3D #U2( %)U$LP2T3@@B@5+YE.!4 IQ&X)5B/G8,']21%.TH
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MP1'A.D#]OF),OMSH/RC/?&?_ 5!+ P04    "  /4&Y8ET>Y:X$#  !\$@
M&0   'AL+W=O<FMS:&5E=',O<VAE970X,2YX;6RU6&U/VS 0_BM6-DV;M)&W
MME#65H(F:$@P(1C;9Y-<6PO'[FRW9?]^MA-"4]*(2N8#)''N>>[N.?L:>[3A
MXE$N !1Z*BB38V^AU/+4]V6V@ ++([X$IM_,N"BPTH]B[LNE )Q;4$']* @&
M?H$)\R8C.W8C)B.^4I0PN!%(KHH"BW_G0/EF[(7>\\ MF2^4&? GHR6>PQVH
M^^6-T$]^S9*3 I@DG"$!L[%W%IZFH058B]\$-G+K'IE4'CA_- ^7^=@+3$1
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MI8?;P:\UYZ\-/W;RO,1R0K@RVL>&/CCJF<^AK(:Y:J%%Z>:A.Z'-=.4NIV8
M!FD+S/.Q$/IQ84>L>J3.?@-02P,$%     @ #U!N6.(7B-5T @  D08  !D
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M/07-7@Z/]\#SE\.C VJ2X5@2SY<</I:?EPMC-7X;O_:UN*,8[:=P?G%A6E;
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M+W=O<FMS:&5E=',O<VAE970X-BYX;6RUEV]OVS80QK\*H15#"S31/TN6,UM
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M7,GLW14E=IC$P?&FB]W?&8^S%,T6'R_8$(#GC3'^Z(2!FGX'Y3]02P,$%
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M&W2E&^Q33[_5H*AA8D&X^XISJ4U?]1J5H5.QS7&5GHX2?[5=DZ>0Z'07DO5
M3CK(CO]AYW^XU_]W:2A_P?OP9>]/(4^\]T >>_>W.DL%:N$ZM$9?2V&:?[.+
M=I? N>M]C^(3O!R:7OY?IKE9KJA:,*$QXSE*!L<G:$@UW;I9&%F[_C63!KNA
MFY9XP8&R 'P_E])L%G:#[LI,_P%02P,$%     @ #U!N6$S0X6YN @  RP4
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M-I^QU7/N^#(EC/_"IO&](.=L9:RJ6C!%4''9_-ESFX<=0']X !"U@.@U8'
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MSO#+"90MP.L3*<UZ83?GXENL^QM02P,$%     @ #U!N6#SFPI_T @  !0L
M !D   !X;"]W;W)K<VAE971S+W-H965T.3$N>&ULK99=;YLP&(7_BL6JJ9/6
M\A$@'TN0VD33)K52U:[;Q;0+)WF36#68V29I__UL0VE*7%*AW238^!P_QP9>
MCW>,/X@-@$2/*<W$Q-E(F8]<5RPVD&)QSG+(U)T5XRF6JLG7KL@YX*41I=0-
M/"]V4TPR)QF;OAN>C%DA*<G@AB-1I"GF3Y= V6[B^,YSQRU9;Z3N<)-QCM=P
M!_(^O^&JY=8N2Y)")@C+$(?5Q+GP1U/?",R(GP1V8N\:Z2ASQAYTX_MRXGB:
M""@LI+; ZF\+4Z!4.RF.OY6I4\^IA?O7S^Y?37@59HX%3!G]199R,W$&#EK"
M"A=4WK+=-Z@"1=IOP:@POVA7CNU'#EH40K*T$BN"E&3E/WZL%F)/X(=O"()*
M$+Q7T*L$/1.T)#.Q9ECB9,S9#G$]6KGI"[,V1JW2D$QOXYWDZBY1.IE<@5H#
M@<[0-98%)Y*H!ELATXVN")X36G:>SD!B0L4G-?;^;H9.3SZA$T0R=$TH51LB
MQJY4/-K5751S7Y9S!V_,/8/%.>KYGU'@!3V+?/I^>?!:[JI5J)<BJ)<B,'Z]
M]J7X?3$7DJO'ZX\M46D1VBWT.S<2.5[ Q%$OE0"^!2?Y^,&/O2^V?/_)[%7:
M7IVVU^:>J$4+;0%+5614^ANP3?K^V-WN8[<:=\0.:^SP&'9DPRY5\1YV'#6P
M6XT[8D<U=G0,.[9A1P?8T:"!W6K<$3NNL>-CV'T;=GR('32P6XT[8O=K[/XQ
M[($-NW^ '38?DE;CCMB#&GO0BOUC ZH2KR1P&_S@ #X8Q@WZ5O^.],.:?MA.
MSR2FB)K"D>,G5>JEM28,+8]\OY&C=::..7SOI21ZK4FN0(@1(FE>2%BJ$J<V
M!(2TUC?O(,R9'S:_E^W3=8VS5^']=VR,L<XDVF):@"[QY4[1EQ)O#>@?E(,P
M;#YUED%^\/(]*+'=O3.*/B!>8[XFF5 8*Z7RSO6)BI=GKK(A66Z.+7,FU2'(
M7&[4.16X'J#NKQB3SPU]$JI/OLD_4$L#!!0    (  ]0;E@?N<B ]@,  &P/
M   9    >&PO=V]R:W-H965T<R]S:&5E=#DR+GAM;+U7;6_B.!#^*U9N=6JE
MMGGAI6P/D K=ZOJAN@JT>Q]6]\$D ['JV)QMH/OO;^R$$&C([B+V*K6-'<\S
M\\R,)S/]C52O.@4PY"WC0@^\U)CEG>_K.(6,ZANY!(%OYE)EU.!2+7R]5$ 3
M)Y1Q/PJ"KI]1)KQAW^V]J&%?K@QG EX4T:LLH^K;"+C<#+S0VVY,V"(U=L,?
M]I=T 5,PGY<O"E=^B9*P#(1F4A %\X%W']Z-P[85<">^,-CHRC.Q5&92OMK%
M4S+P FL1<(B-A:#X;PUCX-PBH1W_%J!>J=,*5I^WZ(^./)*940UCR?]FB4D'
M7L\C"<SIBIN)W/P)!:&.Q8LEU^XOV11G X_$*VUD5@BC!1D3^7_Z5CBB(M!I
M'Q&("H'H1P5:A4#+$<TM<[0>J*'#OI(;HNQI1+,/SC=.&MDP8<,X-0K?,I0S
MPV>IS +C1::@UBQF8D%<*#6Y)N.4B@5HP@0Q*9!'RA3Y0OD*B)R3"6B6@#",
M<O+(E#:DA'J>3C2Y> !#&=>7"/1Y^D N/ER2#Q;JF7&. =1]WZ#]U@H_+FP=
MY;9&1VP-(]0A3*K))Y% L@_@(_&2?;1E/XH:$1\@OB&M\(I$0=2J,6C\X^)1
M@SFM,A@MA]<Z@K>+P;W6>(6IJ3K]ZT1R]+54&ZJ2?^K<EZ.WZ]%M0;C32QK#
MP,,;KU$7>,/??PN[P1]UU,\$MN>(=NF(=A-ZLR.NR%^8CJJ:GKN7=6[)=76<
M+EO6UL/K7M#WUU6VC?:<R+93LNW\#-NK/:XYRWV2A0>NR-10 UA4C;V13R*6
M&=Y-](S,T,S4%MLU;/>_?GHS=F?& >_/*@-%;2&M3:1F>X_7C N\^I?D*5NB
MJ<ZLBPG$<@WJVV5=BOUR-7OAZ);AZ#;JK>05:,/P4X$+]._<^G_MKF*"OT;B
M"0.8#H:@*X$HIE_KG-E]EW[A0?(UVG-B\MV6;&\;V1ZOXW5<&K%^ML*<"6R/
M=J^DW?NEI;9W3D><"6S/$1]+1WQLC/\(%DP(ZX@9Y53$M6'/(;K5% Y:K8,L
M;M1S(HLPV/4Q02./^R1AMIYI,E<R(UQ2?-22)]A0F93H,M[*]B7BL'TH^H_@
M'=$HZ!WP;#;D5**5ABW\SH5-5G&%J:8<ZINI\!V9Z\YAZ6E6=BJ9:$<F^A\_
M](6R;N.7OCBTWPZ49_9Y[!JWL+$=.OLWHU#7;?AHU!T)CO#8]5UA<^.%C?5W
M2D'XOIL*\>?0N)I3U8J1F^=7YA;L1Q9NG-,DEBMA\B:^W"U'QGLW*!WLC^PH
MZ>:A'4P^ASY3A?5-$PYSA QN;M$DE8]V^<+(I9N.9M+@K.4>4QR'0=D#^'XN
MI=DNK()RP![^!U!+ P04    "  /4&Y8UPW*FI4#  #)#0  &0   'AL+W=O
M<FMS:&5E=',O<VAE970Y,RYX;6RU5]N.FSH4_94M>M%4:@=,;L,T0<ID6O4\
MC,ZH4=MG#^P$6L#4=I+V[^L+(3>'4VER>$@P[+U8R][+E_&&\1\B0Y3PJRPJ
M,?$R*>M;WQ=)AB45UZS&2KU9,%Y2J9I\Z8N:(TU-4EGX81 ,_9+FE1>/S;-'
M'H_92A9YA8\<Q*HL*?]]AP7;3#SB;1]\SI>9U _\>%S3)<Y1?JD?N6KY+4J:
MEUB)G%7 <3'QIN1V1OHZP41\S7$C]NY!2WEB[(=N_)-.O$ SP@(3J2&H^EOC
M#(M"(RD>/QM0K_VF3MR_WZ)_-.*5F"<J<,:*;WDJLXEWXT&*"[HJY&>V^82-
MH('&2U@AS"]LFMC @V0E)"N;9,6@S"O[3W\U';&70(9G$L(F(3Q.&)Q)Z#4)
M/2/4,C.R[JFD\9BS#7 =K=#TC>D;DZW4Y)4>QKGDZFVN\F3\P+A<JO&".?)U
MGN35$LQ0"G@'<SNTP!8P3=?(!<(LH]42!4@&WTP/8?INJEYIA*E0M5#KP1&@
M!DAF"!]ISN$K+5:H04X^<76/DN:%>*,^]F5^#U<OWXQ]J51I;G[2*+BS"L(S
M"D@(#ZR2F8 /58KI(8"ONJ/MDW#;)W=A)^(])M?0(V\A#,*>@]#L[]/##CJ]
M=HAZ!J]W!F^:R!4M7!UC\_KN/#T!W(J:)CCQE,.%ZGSTXM<OR#!X[Q)U(; #
MB?U68K\+/?ZWMIY.OZN*QQ3LE 17-?($*^FL"HM(;&'KV6H=!]?!H#_VU_NR
MSH1%;=@!X4%+>-!)>*:*7-)*@B):T]]J7I/ J42XH@(H=/$>. F-HB/>_QEV
MP'O8\AYV\MZ:%FACVH0)J=TLC#?1=#D4C%9.[A9\L,=I>,S;$7+CYCQJ.8\Z
MZY\$KU1EV/DG,?./B]KHDEZX$-B!W)M6[LW%O6 1AWN=3H*(!.8Z&A]7* F/
M0@^(1RWQZ/_R1.0@->HY^;M"MY>;/PEV:V'P/'=LS>%<I8)39N2$F17ABE5K
M3:>*O16==/HE_"N_-" 7,LRET XEASO)X<4]TT >%=VQ$QIYI[%1U&D:LEO=
M2>?*^AS;-,B'$OIG2NXT-AIU^V:W>I/NY?MYONF?K!AJ\CHCPA5+W+[Q]S;%
M)?*E.2L(16U52;L7;)^VYY&IV84?/;_3YQ2SV=[!V$/. ^7+7.UV"UPHR.!Z
MI(AQ>VZP#<EJL_5^8E)MY,UMI@H3N0Y0[Q>,R6U#?Z ]O<5_ %!+ P04
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MU/"/4. %#71W>X8.#SZAA!%5P6[T>JR@!JM$M)'+V[#@C1W@$T'66,%GBJ=
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M8LTW9;DH?X--5=N-/3!="<F*&JQ64&2T^L1_:R%V +"[!Q#6@/!00%0#HM>
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MP+D10HP_M:;5+&D2V^U7]:^E=_2RI IF@C^Q5&\FUM@B*:SHCNL'<?@&M9_
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M47I_N1'1#8.:5TW#]W62<:V_N6:_Y[K#L&G  ^EV"(J.N@O:&C"-VMWB@]V
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M5527&^ Y: ]PWZ^4L@\W_AUM\TY^\2]02P,$%     @ $%!N6!0 GTDR!0
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M@OJQ?1#ZSJ]9,II#(2DOD(#5S+O%UPD>&@.+^(/"7AY=(R-ER?F3N?F:S;S
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M]) .P@#T^Q7GZO7&?* >^^?_ E!+ P04    "  04&Y8AOX&JZ0$  !7$0
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M,[T8>V<>R6#&5KE^$.O?H08Z-?Y2D2O[2=:U-O!(NE):%+4Q1E#PLOIF+_5
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M2'>X/N3M<"VB7.AS+%J<;G7Z.#;TKO31JH"PA=8^+*X5!#(+@(5.&("@8$E
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MA9P#K+@K4;P(NM6W!Y94")KIQPW!,6&J@OQ^1:EX>5$-5#=69O\!4$L#!!0
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M<B6<S$[UF# \@'7@^M6=P^!0T,:]CCQ65P63JT8F[RA39$WY"BP;MGT16+6
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M'3->&*C_3_)<_GQ3/,"W>6!S^#]02P,$%     @ $%!N6#@='?S= @  R0<
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M"W5'ROL1K0-2[N?U]FOKO><:D 54,6[L1*WI0B6_#^;*_/R>*/+:R8]=UX;
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M?5/C7P(@F0)(A@/DVTDS!#=<F3[X84.A#?Y+(")3B,AP1+S??JVR99:V]W&
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MR?31;S#41_\ET#!0:!C@S^B,.0(.G#Z?X]1;XLI;7SY%E8&CYW,"'1B-*TS
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M841DX6.?17D 3+F,QY1+7DPYFSLM5Z \"$RY)Q!&6F#C0NK8?.)BT>D G1(
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M9#(*X,)5 "X\I-Q9F%=$<*&EP>9.NYL"W,WHC5"*%QS.YD[+58)<\3:>Y]=
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M?M5J)V5U8N2\W+UXD,;(O#R<43*FRC6P]R=2FL<3YZ#>SQK^!U!+ P04
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MZ./H&1=(S>TURWT\"@ 9</-P=,:!U-Q*TNXE"+R7. HRI=8AR'C"FB%#[ Z
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M#:-+)K2!^GW%N7PZT!>HW\":_P]02P,$%     @ $%!N6)RP30[C!P  M$<
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MS]W9E_%.JM]Z#6#(:\:%GCAK8_*1Z^ID#1G5-S('@3M+J3)J<*I6KLX5T+0
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M,[C&8UF4-5394+PP5<4#5UBCF,<$ZTX0.@#?QYRK0T,/4%>RBW\!4$L#!!0
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M_7X\>K?+K'BW_=?[4-=Y4[_SKK(F?RRK+]Y_?FH?ZMTT^:K^;Y_#(=)AI)@
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M<R% BA:Z(!(6C&_0SR]J*+J5$(E?93[:[^"CD_OHU,YQN8^W:R;O3==."_T
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M!?/T3)LV)$O,.?*9274J-8^!^@X K@>H?I\QN6WHHVG^9>'] 5!+ P04
M"  04&Y8>Y!3I-8"  !""0  &@   'AL+W=O<FMS:&5E=',O<VAE970Q,SDN
M>&ULQ59=3]LP%/TK5H8F)C'RG1;61H)6:$BP(1#L8=J#26X;"\?.;+=E_W[7
M2<E:FE9,J[27Q';N.3[GVM?.8"'5DRX #'DNN=!#IS"F.G5=G1504GTL*Q#X
M92)520UVU=35E0*:UZ"2NX'G)6Y)F7#203UVH]*!G!G.!-PHHF=E2=6O<^!R
M,71\YV7@EDT+8P?<=%#1*=R!N:]N%/;<EB5G)0C-I" *)D/GS#\=]6U\'?#
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M[6A&G6W[L-H'3[@!JTE,;0.=?[^VR>0#,F%0_0+YN/?DGNOCY-C3/1??Y1I
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M9'B%=KG\RO:?<2THTGQ+EHOR+]C76,\!RYV0K*B#508%H=4O>JH+<10 XYX
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MA1T?/P0923B8I/$F2%Z[]TGT"FYH$B0A#2(P38JA*+NT"R8!6X,;,;08F/&
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MC?/+-0D6)), \?LR%?$I;^0+=L>PQO\!4$L#!!0    ( !!0;EB#1+-YE04
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MT"_+AS</<T\56XKX*U_KS?G@=(#6[('FL;X5SW^P^H'&!2\2L2K_HN?Z7G^
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M%DEYN&%TS61Q@_G\00C]<E(TT&S#7?P'4$L#!!0    ( !!0;EC+OTWK5 ,
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MDR2PJY@W[ G&D2S#$*A%?XVF*;(Z*7S\^X,])4F297X$,+^#),$0>!IQ!',
M'C D2>Q[<.]]%*W?4]'F_ZVCOU!+ P04    "  04&Y8EXJ[',     3 @
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MJ+9O-L\Z6 G 2FBQ3LUC5<K"?'O!9A;"OJ%F:L[,4X4#.0"0@P-"_C=Q((<
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M[:3+O"W+4W/MNKI4O'BN_/Y<M?[+_P%02P,$%     @ $%!N6-Q/V*[C P
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M^]".<UE_/\[+VZ*_UV[ 1^J]OCQW?OO[KY=_'_0OK5>NI_<SELL_4$L#!!0
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M?TUL?1_'PS]N?[K&?=T.+_V3I:B[^0E02P$"% ,4    "  /4&Y8!T%-8H$
M  "Q    $               @ $     9&]C4')O<',O87!P+GAM;%!+ 0(4
M Q0    (  ]0;EB%PM8"[P   "L"   1              "  :\   !D;V-0
M<F]P<R]C;W)E+GAM;%!+ 0(4 Q0    (  ]0;EB97)PC$ 8  )PG   3
M          "  <T!  !X;"]T:&5M92]T:&5M93$N>&UL4$L! A0#%     @
M#U!N6%G7991 "0  $$   !@              ("!#@@  'AL+W=O<FMS:&5E
M=',O<VAE970Q+GAM;%!+ 0(4 Q0    (  ]0;EC-_+ R+P(  *X%   8
M          " @801  !X;"]W;W)K<VAE971S+W-H965T,BYX;6Q02P$"% ,4
M    "  /4&Y8BB_7"<<(  "*)0  &               @('I$P  >&PO=V]R
M:W-H965T<R]S:&5E=#,N>&UL4$L! A0#%     @ #U!N6 K6B847!   T0X
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M965T."YX;6Q02P$"% ,4    "  /4&Y8U .8C'\-   M3   &
M    @($>/0  >&PO=V]R:W-H965T<R]S:&5E=#DN>&UL4$L! A0#%     @
M#U!N6.(5*Y?U#   7"$  !D              ("!TTH  'AL+W=O<FMS:&5E
M=',O<VAE970Q,"YX;6Q02P$"% ,4    "  /4&Y8W%>#N8(I  "8A0  &0
M            @('_5P  >&PO=V]R:W-H965T<R]S:&5E=#$Q+GAM;%!+ 0(4
M Q0    (  ]0;E@Z.@2S[!D  #1?   9              " @;B!  !X;"]W
M;W)K<VAE971S+W-H965T,3(N>&UL4$L! A0#%     @ #U!N6/:PP=6H P
MXP@  !D              ("!VYL  'AL+W=O<FMS:&5E=',O<VAE970Q,RYX
M;6Q02P$"% ,4    "  /4&Y8U_',O? ,  !-*0  &0              @(&Z
MGP  >&PO=V]R:W-H965T<R]S:&5E=#$T+GAM;%!+ 0(4 Q0    (  ]0;EAN
M2B*IV1<  )E%   9              " @>&L  !X;"]W;W)K<VAE971S+W-H
M965T,34N>&UL4$L! A0#%     @ #U!N6!5@ '<!!P  UA4  !D
M     ("!\<0  'AL+W=O<FMS:&5E=',O<VAE970Q-BYX;6Q02P$"% ,4
M"  /4&Y8E1/Q8-$,   U0@  &0              @($IS   >&PO=V]R:W-H
M965T<R]S:&5E=#$W+GAM;%!+ 0(4 Q0    (  ]0;EB[K11V[@@  *09   9
M              " @3'9  !X;"]W;W)K<VAE971S+W-H965T,3@N>&UL4$L!
M A0#%     @ #U!N6)7:Z\A& @  3@4  !D              ("!5N(  'AL
M+W=O<FMS:&5E=',O<VAE970Q.2YX;6Q02P$"% ,4    "  /4&Y8=[F-$C4-
M  #,)0  &0              @('3Y   >&PO=V]R:W-H965T<R]S:&5E=#(P
M+GAM;%!+ 0(4 Q0    (  ]0;ECZ+)9^500  .$)   9              "
M@3_R  !X;"]W;W)K<VAE971S+W-H965T,C$N>&UL4$L! A0#%     @ #U!N
M6'I8+E1*#0  :R8  !D              ("!R_8  'AL+W=O<FMS:&5E=',O
M<VAE970R,BYX;6Q02P$"% ,4    "  /4&Y8MQE<6*H%   6#@  &0
M        @(%,! $ >&PO=V]R:W-H965T<R]S:&5E=#(S+GAM;%!+ 0(4 Q0
M   (  ]0;EAQR=Y?\@X  &<U   9              " @2T* 0!X;"]W;W)K
M<VAE971S+W-H965T,C0N>&UL4$L! A0#%     @ #U!N6'1;JGBX!0  MPT
M !D              ("!5AD! 'AL+W=O<FMS:&5E=',O<VAE970R-2YX;6Q0
M2P$"% ,4    "  /4&Y8NE%O!=$(  #%%@  &0              @(%%'P$
M>&PO=V]R:W-H965T<R]S:&5E=#(V+GAM;%!+ 0(4 Q0    (  ]0;EA,O1^-
MLA<  *A6   9              " @4TH 0!X;"]W;W)K<VAE971S+W-H965T
M,C<N>&UL4$L! A0#%     @ #U!N6,.TDR5=$P  !CH  !D
M ("!-D ! 'AL+W=O<FMS:&5E=',O<VAE970R."YX;6Q02P$"% ,4    "  /
M4&Y82+$;LEX'   7$@  &0              @('*4P$ >&PO=V]R:W-H965T
M<R]S:&5E=#(Y+GAM;%!+ 0(4 Q0    (  ]0;ECAJJ,=BP4  %0-   9
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M970S-"YX;6Q02P$"% ,4    "  /4&Y8[SGEU(P%  #"#   &0
M    @($2G@$ >&PO=V]R:W-H965T<R]S:&5E=#,U+GAM;%!+ 0(4 Q0    (
M  ]0;EA*_#JR2 0  %4*   9              " @=6C 0!X;"]W;W)K<VAE
M971S+W-H965T,S8N>&UL4$L! A0#%     @ #U!N6# A$>/*!@  X1$  !D
M             ("!5*@! 'AL+W=O<FMS:&5E=',O<VAE970S-RYX;6Q02P$"
M% ,4    "  /4&Y8?\BS][4#  #="   &0              @(%5KP$ >&PO
M=V]R:W-H965T<R]S:&5E=#,X+GAM;%!+ 0(4 Q0    (  ]0;EA%3$S1: @
M !(;   9              " @4&S 0!X;"]W;W)K<VAE971S+W-H965T,SDN
M>&UL4$L! A0#%     @ #U!N6)UTEUC%#   L"<  !D              ("!
MX+L! 'AL+W=O<FMS:&5E=',O<VAE970T,"YX;6Q02P$"% ,4    "  /4&Y8
M&[;=>-X$   !$   &0              @('<R $ >&PO=V]R:W-H965T<R]S
M:&5E=#0Q+GAM;%!+ 0(4 Q0    (  ]0;EATM^_OV 4  /<0   9
M      " @?'- 0!X;"]W;W)K<VAE971S+W-H965T-#(N>&UL4$L! A0#%
M  @ #U!N6.+^^?D(!@  =!$  !D              ("! -0! 'AL+W=O<FMS
M:&5E=',O<VAE970T,RYX;6Q02P$"% ,4    "  /4&Y8D"\0'%0'  #9$@
M&0              @($_V@$ >&PO=V]R:W-H965T<R]S:&5E=#0T+GAM;%!+
M 0(4 Q0    (  ]0;E@GGG&[\@,   <)   9              " @<KA 0!X
M;"]W;W)K<VAE971S+W-H965T-#4N>&UL4$L! A0#%     @ #U!N6%8VL8MX
M!P  HA0  !D              ("!\^4! 'AL+W=O<FMS:&5E=',O<VAE970T
M-BYX;6Q02P$"% ,4    "  /4&Y8/9BPHI\#  "("   &0
M@(&B[0$ >&PO=V]R:W-H965T<R]S:&5E=#0W+GAM;%!+ 0(4 Q0    (  ]0
M;E@U$\\J%0@  $$G   9              " @7CQ 0!X;"]W;W)K<VAE971S
M+W-H965T-#@N>&UL4$L! A0#%     @ #U!N6!SQPG6M P  K D  !D
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M=#4S+GAM;%!+ 0(4 Q0    (  ]0;EBFFG/YMP4  '\.   9
M  " @0@@ @!X;"]W;W)K<VAE971S+W-H965T-30N>&UL4$L! A0#%     @
M#U!N6(M@+@0D!   -A$  !D              ("!]B4" 'AL+W=O<FMS:&5E
M=',O<VAE970U-2YX;6Q02P$"% ,4    "  /4&Y8:HJ74;4&   N*@  &0
M            @(%1*@( >&PO=V]R:W-H965T<R]S:&5E=#4V+GAM;%!+ 0(4
M Q0    (  ]0;EAS/V2>7P,  $P1   9              " @3TQ @!X;"]W
M;W)K<VAE971S+W-H965T-3<N>&UL4$L! A0#%     @ #U!N6.7'[5<G!
MB T  !D              ("!TS0" 'AL+W=O<FMS:&5E=',O<VAE970U."YX
M;6Q02P$"% ,4    "  /4&Y8@-C<;N8'  "W5@  &0              @($Q
M.0( >&PO=V]R:W-H965T<R]S:&5E=#4Y+GAM;%!+ 0(4 Q0    (  ]0;E@6
M@E=P'@8   8Q   9              " @4Y! @!X;"]W;W)K<VAE971S+W-H
M965T-C N>&UL4$L! A0#%     @ #U!N6&_\3B$J#P  T,(  !D
M     ("!HT<" 'AL+W=O<FMS:&5E=',O<VAE970V,2YX;6Q02P$"% ,4
M"  /4&Y8"TJ!8Q,$   M&0  &0              @($$5P( >&PO=V]R:W-H
M965T<R]S:&5E=#8R+GAM;%!+ 0(4 Q0    (  ]0;EAUG3[ZT@(  +X'   9
M              " @4Y; @!X;"]W;W)K<VAE971S+W-H965T-C,N>&UL4$L!
M A0#%     @ #U!N6/1(-RN4!0  5"<  !D              ("!5UX" 'AL
M+W=O<FMS:&5E=',O<VAE970V-"YX;6Q02P$"% ,4    "  /4&Y8T.FO5'L*
M  #@40  &0              @($B9 ( >&PO=V]R:W-H965T<R]S:&5E=#8U
M+GAM;%!+ 0(4 Q0    (  ]0;ECO]W;?BP@  )96   9              "
M@=1N @!X;"]W;W)K<VAE971S+W-H965T-C8N>&UL4$L! A0#%     @ #U!N
M6)B5D\OS @  <P@  !D              ("!EG<" 'AL+W=O<FMS:&5E=',O
M<VAE970V-RYX;6Q02P$"% ,4    "  /4&Y8'!4LKR0%  "N(   &0
M        @(' >@( >&PO=V]R:W-H965T<R]S:&5E=#8X+GAM;%!+ 0(4 Q0
M   (  ]0;EAIGB"Z40D  &),   9              " @1N  @!X;"]W;W)K
M<VAE971S+W-H965T-CDN>&UL4$L! A0#%     @ #U!N6/Y#897N"   +4@
M !D              ("!HXD" 'AL+W=O<FMS:&5E=',O<VAE970W,"YX;6Q0
M2P$"% ,4    "  /4&Y8*E)>5X,%   +(0  &0              @('(D@(
M>&PO=V]R:W-H965T<R]S:&5E=#<Q+GAM;%!+ 0(4 Q0    (  ]0;EA2VQ?&
M;@H  #5J   9              " @8*8 @!X;"]W;W)K<VAE971S+W-H965T
M-S(N>&UL4$L! A0#%     @ #U!N6*IEK2& "P  =W0  !D
M ("!)Z," 'AL+W=O<FMS:&5E=',O<VAE970W,RYX;6Q02P$"% ,4    "  /
M4&Y8Z6E?0GX4  #QU@  &0              @('>K@( >&PO=V]R:W-H965T
M<R]S:&5E=#<T+GAM;%!+ 0(4 Q0    (  ]0;EA[ I1#HP8  !P^   9
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M970W.2YX;6Q02P$"% ,4    "  /4&Y8SS8$D[D$  #_%0  &0
M    @($+XP( >&PO=V]R:W-H965T<R]S:&5E=#@P+GAM;%!+ 0(4 Q0    (
M  ]0;EB71[EK@0,  'P2   9              " @?OG @!X;"]W;W)K<VAE
M971S+W-H965T.#$N>&UL4$L! A0#%     @ #U!N6+,9)6#^!@  G3$  !D
M             ("!L^L" 'AL+W=O<FMS:&5E=',O<VAE970X,BYX;6Q02P$"
M% ,4    "  /4&Y8=CI#">H"  !>"P  &0              @('H\@( >&PO
M=V]R:W-H965T<R]S:&5E=#@S+GAM;%!+ 0(4 Q0    (  ]0;ECB%XC5= (
M )$&   9              " @0GV @!X;"]W;W)K<VAE971S+W-H965T.#0N
M>&UL4$L! A0#%     @ #U!N6%,F"G.- @  I@8  !D              ("!
MM/@" 'AL+W=O<FMS:&5E=',O<VAE970X-2YX;6Q02P$"% ,4    "  /4&Y8
M"1.:@6 #  #.#   &0              @(%X^P( >&PO=V]R:W-H965T<R]S
M:&5E=#@V+GAM;%!+ 0(4 Q0    (  ]0;ECBH-6BZP$  !H$   9
M      " @0__ @!X;"]W;W)K<VAE971S+W-H965T.#<N>&UL4$L! A0#%
M  @ #U!N6,F'Q\>' @  /@<  !D              ("!,0$# 'AL+W=O<FMS
M:&5E=',O<VAE970X."YX;6Q02P$"% ,4    "  /4&Y83-#A;FX"  #+!0
M&0              @('O P, >&PO=V]R:W-H965T<R]S:&5E=#@Y+GAM;%!+
M 0(4 Q0    (  ]0;E@X;-X:'@,  )<)   9              " @90& P!X
M;"]W;W)K<VAE971S+W-H965T.3 N>&UL4$L! A0#%     @ #U!N6#SFPI_T
M @  !0L  !D              ("!Z0D# 'AL+W=O<FMS:&5E=',O<VAE970Y
M,2YX;6Q02P$"% ,4    "  /4&Y8'[G(@/8#  !L#P  &0
M@($4#0, >&PO=V]R:W-H965T<R]S:&5E=#DR+GAM;%!+ 0(4 Q0    (  ]0
M;EC7#<J:E0,  ,D-   9              " @4$1 P!X;"]W;W)K<VAE971S
M+W-H965T.3,N>&UL4$L! A0#%     @ #U!N6+=%Y1L2!0  \QL  !D
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M=#DX+GAM;%!+ 0(4 Q0    ( !!0;EA7,=M[@ <  '=&   9
M  " @:@O P!X;"]W;W)K<VAE971S+W-H965T.3DN>&UL4$L! A0#%     @
M$%!N6.C&*W A P  O0L  !H              ("!7S<# 'AL+W=O<FMS:&5E
M=',O<VAE970Q,# N>&UL4$L! A0#%     @ $%!N6+_.DA_9 P  7Q   !H
M             ("!N#H# 'AL+W=O<FMS:&5E=',O<VAE970Q,#$N>&UL4$L!
M A0#%     @ $%!N6%%X,J;8 @  1P@  !H              ("!R3X# 'AL
M+W=O<FMS:&5E=',O<VAE970Q,#(N>&UL4$L! A0#%     @ $%!N6!5FM247
M P  H@P  !H              ("!V4$# 'AL+W=O<FMS:&5E=',O<VAE970Q
M,#,N>&UL4$L! A0#%     @ $%!N6%Y7JKUI!0  GQ<  !H
M ("!*$4# 'AL+W=O<FMS:&5E=',O<VAE970Q,#0N>&UL4$L! A0#%     @
M$%!N6!0 GTDR!0  Q!L  !H              ("!R4H# 'AL+W=O<FMS:&5E
M=',O<VAE970Q,#4N>&UL4$L! A0#%     @ $%!N6.I9TY@R!    A   !H
M             ("!,U # 'AL+W=O<FMS:&5E=',O<VAE970Q,#8N>&UL4$L!
M A0#%     @ $%!N6(;^!JND!   5Q$  !H              ("!G50# 'AL
M+W=O<FMS:&5E=',O<VAE970Q,#<N>&UL4$L! A0#%     @ $%!N6!SHZA!?
M P  APH  !H              ("!>5D# 'AL+W=O<FMS:&5E=',O<VAE970Q
M,#@N>&UL4$L! A0#%     @ $%!N6-U[3&I,!0  O2(  !H
M ("!$%T# 'AL+W=O<FMS:&5E=',O<VAE970Q,#DN>&UL4$L! A0#%     @
M$%!N6$WH9E%. P  %@L  !H              ("!E&(# 'AL+W=O<FMS:&5E
M=',O<VAE970Q,3 N>&UL4$L! A0#%     @ $%!N6#14'S57 P  ,PL  !H
M             ("!&F8# 'AL+W=O<FMS:&5E=',O<VAE970Q,3$N>&UL4$L!
M A0#%     @ $%!N6!XP6TH.!   "Q   !H              ("!J6D# 'AL
M+W=O<FMS:&5E=',O<VAE970Q,3(N>&UL4$L! A0#%     @ $%!N6$N(R1=#
M"@  !6(  !H              ("![VT# 'AL+W=O<FMS:&5E=',O<VAE970Q
M,3,N>&UL4$L! A0#%     @ $%!N6/IK8\%G!P  O#D  !H
M ("!:G@# 'AL+W=O<FMS:&5E=',O<VAE970Q,30N>&UL4$L! A0#%     @
M$%!N6#@='?S= @  R0<  !H              ("!"8 # 'AL+W=O<FMS:&5E
M=',O<VAE970Q,34N>&UL4$L! A0#%     @ $%!N6)Y"XP%G!   3A<  !H
M             ("!'H,# 'AL+W=O<FMS:&5E=',O<VAE970Q,38N>&UL4$L!
M A0#%     @ $%!N6%0'0H&J @  D0@  !H              ("!O8<# 'AL
M+W=O<FMS:&5E=',O<VAE970Q,3<N>&UL4$L! A0#%     @ $%!N6+Q3CC_;
M @  L@D  !H              ("!GXH# 'AL+W=O<FMS:&5E=',O<VAE970Q
M,3@N>&UL4$L! A0#%     @ $%!N6/5P#--) P  )PX  !H
M ("!LHT# 'AL+W=O<FMS:&5E=',O<VAE970Q,3DN>&UL4$L! A0#%     @
M$%!N6.^=:&=F @  2 8  !H              ("!,Y$# 'AL+W=O<FMS:&5E
M=',O<VAE970Q,C N>&UL4$L! A0#%     @ $%!N6#3XG9CU"   B4@  !H
M             ("!T9,# 'AL+W=O<FMS:&5E=',O<VAE970Q,C$N>&UL4$L!
M A0#%     @ $%!N6/HJI9^V!0  J2(  !H              ("!_IP# 'AL
M+W=O<FMS:&5E=',O<VAE970Q,C(N>&UL4$L! A0#%     @ $%!N6*WE,WA)
M'   "$\! !H              ("![*(# 'AL+W=O<FMS:&5E=',O<VAE970Q
M,C,N>&UL4$L! A0#%     @ $%!N6!,KJ^I=!0  VQH  !H
M ("!;;\# 'AL+W=O<FMS:&5E=',O<VAE970Q,C0N>&UL4$L! A0#%     @
M$%!N6 J4_$A#"   (DD  !H              ("! L4# 'AL+W=O<FMS:&5E
M=',O<VAE970Q,C4N>&UL4$L! A0#%     @ $%!N6)V82579 P  ,!,  !H
M             ("!?<T# 'AL+W=O<FMS:&5E=',O<VAE970Q,C8N>&UL4$L!
M A0#%     @ $%!N6'B"$(O"!0  D"(  !H              ("!CM$# 'AL
M+W=O<FMS:&5E=',O<VAE970Q,C<N>&UL4$L! A0#%     @ $%!N6.=U*3H\
M @   04  !H              ("!B-<# 'AL+W=O<FMS:&5E=',O<VAE970Q
M,C@N>&UL4$L! A0#%     @ $%!N6(,D;T1R @  'P8  !H
M ("!_-D# 'AL+W=O<FMS:&5E=',O<VAE970Q,CDN>&UL4$L! A0#%     @
M$%!N6-OA+G3:!   F!X  !H              ("!IMP# 'AL+W=O<FMS:&5E
M=',O<VAE970Q,S N>&UL4$L! A0#%     @ $%!N6.SMGO.1!P  C34  !H
M             ("!N.$# 'AL+W=O<FMS:&5E=',O<VAE970Q,S$N>&UL4$L!
M A0#%     @ $%!N6)RP30[C!P  M$<  !H              ("!@>D# 'AL
M+W=O<FMS:&5E=',O<VAE970Q,S(N>&UL4$L! A0#%     @ $%!N6-&;]0@'
M P  & D  !H              ("!G/$# 'AL+W=O<FMS:&5E=',O<VAE970Q
M,S,N>&UL4$L! A0#%     @ $%!N6*7^5Z.? P  U0X  !H
M ("!V_0# 'AL+W=O<FMS:&5E=',O<VAE970Q,S0N>&UL4$L! A0#%     @
M$%!N6)_N@_ $!0  Y"@  !H              ("!LO@# 'AL+W=O<FMS:&5E
M=',O<VAE970Q,S4N>&UL4$L! A0#%     @ $%!N6$<MG@0[$   :>8  !H
M             ("![OT# 'AL+W=O<FMS:&5E=',O<VAE970Q,S8N>&UL4$L!
M A0#%     @ $%!N6 A4@*KS @  -PT  !H              ("!80X$ 'AL
M+W=O<FMS:&5E=',O<VAE970Q,S<N>&UL4$L! A0#%     @ $%!N6(\X\N,Y
M P  90P  !H              ("!C!$$ 'AL+W=O<FMS:&5E=',O<VAE970Q
M,S@N>&UL4$L! A0#%     @ $%!N6'N04Z36 @  0@D  !H
M ("!_10$ 'AL+W=O<FMS:&5E=',O<VAE970Q,SDN>&UL4$L! A0#%     @
M$%!N6!Q16&,H!   :Q4  !H              ("!"Q@$ 'AL+W=O<FMS:&5E
M=',O<VAE970Q-# N>&UL4$L! A0#%     @ $%!N6.MS@B@D!   ;A<  !H
M             ("!:QP$ 'AL+W=O<FMS:&5E=',O<VAE970Q-#$N>&UL4$L!
M A0#%     @ $%!N6)[=]H%X!0  SR,  !H              ("!QR $ 'AL
M+W=O<FMS:&5E=',O<VAE970Q-#(N>&UL4$L! A0#%     @ $%!N6/D"W!.=
M!   610  !H              ("!=R8$ 'AL+W=O<FMS:&5E=',O<VAE970Q
M-#,N>&UL4$L! A0#%     @ $%!N6 !J)4=.!P  DB4  !H
M ("!3"L$ 'AL+W=O<FMS:&5E=',O<VAE970Q-#0N>&UL4$L! A0#%     @
M$%!N6(-$LWF5!0  DBL  !H              ("!TC($ 'AL+W=O<FMS:&5E
M=',O<VAE970Q-#4N>&UL4$L! A0#%     @ $%!N6,N_3>M4 P  ?!4   T
M             ( !GS@$ 'AL+W-T>6QE<RYX;6Q02P$"% ,4    "  04&Y8
MEXJ[',     3 @  "P              @ $>/ 0 7W)E;',O+G)E;'-02P$"
M% ,4    "  04&Y8$Y=)A=0)   Y7P  #P              @ $'/00 >&PO
M=V]R:V)O;VLN>&UL4$L! A0#%     @ $%!N6-Q/V*[C P  ^%0  !H
M         ( !"$<$ 'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QS4$L! A0#
M%     @ $%!N6.>^E)+I @  !5$  !,              ( !(TL$ %M#;VYT
D96YT7U1Y<&5S72YX;6Q02P4&     )D F0!4*@  /4X$

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>173
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>174
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>176
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.24.0.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>863</ContextCount>
  <ElementCount>831</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>true</FootnotesReported>
  <SegmentCount>215</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>13</UnitCount>
  <MyReports>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>0000001 - Document - Cover</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/Cover</Role>
      <ShortName>Cover</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R2.htm</HtmlFileName>
      <LongName>0000002 - Document - Audit Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/AuditInformation</Role>
      <ShortName>Audit Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>2</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R3.htm</HtmlFileName>
      <LongName>0000003 - Statement - Consolidated Statements of Condition</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ConsolidatedStatementsofCondition</Role>
      <ShortName>Consolidated Statements of Condition</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>3</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R4.htm</HtmlFileName>
      <LongName>0000004 - Statement - Consolidated Statements of Condition (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical</Role>
      <ShortName>Consolidated Statements of Condition (Parenthetical)</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>4</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R5.htm</HtmlFileName>
      <LongName>0000005 - Statement - Consolidated Statements of Income and Comprehensive Income</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome</Role>
      <ShortName>Consolidated Statements of Income and Comprehensive Income</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>5</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R6.htm</HtmlFileName>
      <LongName>0000006 - Statement - Consolidated Statements of Income and Comprehensive Income (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical</Role>
      <ShortName>Consolidated Statements of Income and Comprehensive Income (Parenthetical)</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>6</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R7.htm</HtmlFileName>
      <LongName>0000007 - Statement - Consolidated Statements of Changes in Stockholders' Equity</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity</Role>
      <ShortName>Consolidated Statements of Changes in Stockholders' Equity</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>7</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R8.htm</HtmlFileName>
      <LongName>0000008 - Statement - Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquityParenthetical</Role>
      <ShortName>Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>8</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R9.htm</HtmlFileName>
      <LongName>0000009 - Statement - Consolidated Statements of Cash Flows</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows</Role>
      <ShortName>Consolidated Statements of Cash Flows</ShortName>
      <MenuCategory>Statements</MenuCategory>
      <Position>9</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R10.htm</HtmlFileName>
      <LongName>0000010 - Disclosure - Description of Business, Organization and Basis of Presentation</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentation</Role>
      <ShortName>Description of Business, Organization and Basis of Presentation</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>10</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R11.htm</HtmlFileName>
      <LongName>0000011 - Disclosure - Summary of Significant Accounting Policies</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/SummaryofSignificantAccountingPolicies</Role>
      <ShortName>Summary of Significant Accounting Policies</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>11</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R12.htm</HtmlFileName>
      <LongName>0000012 - Disclosure - Business Combinations</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BusinessCombinations</Role>
      <ShortName>Business Combinations</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>12</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R13.htm</HtmlFileName>
      <LongName>0000013 - Disclosure - Accumulated Other Comprehensive Income</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncome</Role>
      <ShortName>Accumulated Other Comprehensive Income</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>13</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R14.htm</HtmlFileName>
      <LongName>0000014 - Disclosure - Investment Securities</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/InvestmentSecurities</Role>
      <ShortName>Investment Securities</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>14</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R15.htm</HtmlFileName>
      <LongName>0000015 - Disclosure - Loans and Leases</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeases</Role>
      <ShortName>Loans and Leases</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>15</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R16.htm</HtmlFileName>
      <LongName>0000016 - Disclosure - Allowance for Credit Losses on Loans and Leases</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeases</Role>
      <ShortName>Allowance for Credit Losses on Loans and Leases</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>16</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R17.htm</HtmlFileName>
      <LongName>0000017 - Disclosure - Leases</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/Leases</Role>
      <ShortName>Leases</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>17</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R18.htm</HtmlFileName>
      <LongName>0000018 - Disclosure - Mortgage Servicing Rights</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/MortgageServicingRights</Role>
      <ShortName>Mortgage Servicing Rights</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>18</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R19.htm</HtmlFileName>
      <LongName>0000019 - Disclosure - Variable Interest Entities</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/VariableInterestEntities</Role>
      <ShortName>Variable Interest Entities</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>19</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R20.htm</HtmlFileName>
      <LongName>0000020 - Disclosure - Borrowed Funds</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BorrowedFunds</Role>
      <ShortName>Borrowed Funds</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>20</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R21.htm</HtmlFileName>
      <LongName>0000021 - Disclosure - Deposits</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/Deposits</Role>
      <ShortName>Deposits</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>21</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R22.htm</HtmlFileName>
      <LongName>0000022 - Disclosure - Federal, State, and Local Taxes</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FederalStateandLocalTaxes</Role>
      <ShortName>Federal, State, and Local Taxes</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>22</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R23.htm</HtmlFileName>
      <LongName>0000023 - Disclosure - Stock-Related Benefits Plans</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/StockRelatedBenefitsPlans</Role>
      <ShortName>Stock-Related Benefits Plans</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>23</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R24.htm</HtmlFileName>
      <LongName>0000024 - Disclosure - Derivative and Hedging Activities</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DerivativeandHedgingActivities</Role>
      <ShortName>Derivative and Hedging Activities</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>24</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R25.htm</HtmlFileName>
      <LongName>0000025 - Disclosure - Intangible Assets</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/IntangibleAssets</Role>
      <ShortName>Intangible Assets</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>25</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R26.htm</HtmlFileName>
      <LongName>0000026 - Disclosure - Capital</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/Capital</Role>
      <ShortName>Capital</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>26</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R27.htm</HtmlFileName>
      <LongName>0000027 - Disclosure - Fair Value Measures</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasures</Role>
      <ShortName>Fair Value Measures</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>27</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R28.htm</HtmlFileName>
      <LongName>0000028 - Disclosure - Employee Benefits</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefits</Role>
      <ShortName>Employee Benefits</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>28</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R29.htm</HtmlFileName>
      <LongName>0000029 - Disclosure - Commitment and Contingencies</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/CommitmentandContingencies</Role>
      <ShortName>Commitment and Contingencies</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>29</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R30.htm</HtmlFileName>
      <LongName>0000031 - Disclosure - Parent Company-Only Financial Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformation</Role>
      <ShortName>Parent Company-Only Financial Information</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>30</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R31.htm</HtmlFileName>
      <LongName>0000032 - Disclosure - Subsequent Events</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/SubsequentEvents</Role>
      <ShortName>Subsequent Events</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>31</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R32.htm</HtmlFileName>
      <LongName>995410 - Disclosure - Pay vs Performance Disclosure</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ecd/role/PvpDisclosure</Role>
      <ShortName>Pay vs Performance Disclosure</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>32</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R33.htm</HtmlFileName>
      <LongName>995445 - Disclosure - Insider Trading Arrangements</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements</Role>
      <ShortName>Insider Trading Arrangements</ShortName>
      <MenuCategory>Notes</MenuCategory>
      <Position>33</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R34.htm</HtmlFileName>
      <LongName>9954471 - Disclosure - Summary of Significant Accounting Policies (Policies)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies</Role>
      <ShortName>Summary of Significant Accounting Policies (Policies)</ShortName>
      <MenuCategory>Policies</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/SummaryofSignificantAccountingPolicies</ParentRole>
      <Position>34</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R35.htm</HtmlFileName>
      <LongName>9954472 - Disclosure - Description of Business, Organization and Basis of Presentation (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationTables</Role>
      <ShortName>Description of Business, Organization and Basis of Presentation (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentation</ParentRole>
      <Position>35</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R36.htm</HtmlFileName>
      <LongName>9954473 - Disclosure - Summary of Significant Accounting Policies (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesTables</Role>
      <ShortName>Summary of Significant Accounting Policies (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/SummaryofSignificantAccountingPolicies</ParentRole>
      <Position>36</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R37.htm</HtmlFileName>
      <LongName>9954474 - Disclosure - Business Combinations (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BusinessCombinationsTables</Role>
      <ShortName>Business Combinations (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/BusinessCombinations</ParentRole>
      <Position>37</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R38.htm</HtmlFileName>
      <LongName>9954475 - Disclosure - Accumulated Other Comprehensive Income (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeTables</Role>
      <ShortName>Accumulated Other Comprehensive Income (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncome</ParentRole>
      <Position>38</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R39.htm</HtmlFileName>
      <LongName>9954476 - Disclosure - Investment Securities (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/InvestmentSecuritiesTables</Role>
      <ShortName>Investment Securities (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/InvestmentSecurities</ParentRole>
      <Position>39</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R40.htm</HtmlFileName>
      <LongName>9954477 - Disclosure - Loans and Leases (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesTables</Role>
      <ShortName>Loans and Leases (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/LoansandLeases</ParentRole>
      <Position>40</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R41.htm</HtmlFileName>
      <LongName>9954478 - Disclosure - Allowance for Credit Losses on Loans and Leases (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesTables</Role>
      <ShortName>Allowance for Credit Losses on Loans and Leases (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeases</ParentRole>
      <Position>41</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R42.htm</HtmlFileName>
      <LongName>9954479 - Disclosure - Leases (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesTables</Role>
      <ShortName>Leases (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/Leases</ParentRole>
      <Position>42</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R43.htm</HtmlFileName>
      <LongName>9954480 - Disclosure - Mortgage Servicing Rights (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/MortgageServicingRightsTables</Role>
      <ShortName>Mortgage Servicing Rights (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/MortgageServicingRights</ParentRole>
      <Position>43</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R44.htm</HtmlFileName>
      <LongName>9954481 - Disclosure - Borrowed Funds (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BorrowedFundsTables</Role>
      <ShortName>Borrowed Funds (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/BorrowedFunds</ParentRole>
      <Position>44</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R45.htm</HtmlFileName>
      <LongName>9954482 - Disclosure - Deposits (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DepositsTables</Role>
      <ShortName>Deposits (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/Deposits</ParentRole>
      <Position>45</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R46.htm</HtmlFileName>
      <LongName>9954483 - Disclosure - Federal, State, and Local Taxes (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FederalStateandLocalTaxesTables</Role>
      <ShortName>Federal, State, and Local Taxes (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/FederalStateandLocalTaxes</ParentRole>
      <Position>46</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R47.htm</HtmlFileName>
      <LongName>9954484 - Disclosure - Stock-Related Benefits Plans (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/StockRelatedBenefitsPlansTables</Role>
      <ShortName>Stock-Related Benefits Plans (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/StockRelatedBenefitsPlans</ParentRole>
      <Position>47</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R48.htm</HtmlFileName>
      <LongName>9954485 - Disclosure - Derivative and Hedging Activities (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables</Role>
      <ShortName>Derivative and Hedging Activities (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/DerivativeandHedgingActivities</ParentRole>
      <Position>48</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R49.htm</HtmlFileName>
      <LongName>9954486 - Disclosure - Intangible Assets (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/IntangibleAssetsTables</Role>
      <ShortName>Intangible Assets (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/IntangibleAssets</ParentRole>
      <Position>49</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R50.htm</HtmlFileName>
      <LongName>9954487 - Disclosure - Capital (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/CapitalTables</Role>
      <ShortName>Capital (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/Capital</ParentRole>
      <Position>50</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R51.htm</HtmlFileName>
      <LongName>9954488 - Disclosure - Fair Value Measures (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasuresTables</Role>
      <ShortName>Fair Value Measures (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/FairValueMeasures</ParentRole>
      <Position>51</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R52.htm</HtmlFileName>
      <LongName>9954489 - Disclosure - Employee Benefits (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefitsTables</Role>
      <ShortName>Employee Benefits (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/EmployeeBenefits</ParentRole>
      <Position>52</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R53.htm</HtmlFileName>
      <LongName>9954490 - Disclosure - Commitment and Contingencies (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/CommitmentandContingenciesTables</Role>
      <ShortName>Commitment and Contingencies (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/CommitmentandContingencies</ParentRole>
      <Position>53</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R54.htm</HtmlFileName>
      <LongName>9954492 - Disclosure - Parent Company-Only Financial Information (Tables)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationTables</Role>
      <ShortName>Parent Company-Only Financial Information (Tables)</ShortName>
      <MenuCategory>Tables</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformation</ParentRole>
      <Position>54</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R55.htm</HtmlFileName>
      <LongName>9954493 - Disclosure - Description of Business, Organization and Basis of Presentation (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails</Role>
      <ShortName>Description of Business, Organization and Basis of Presentation (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationTables</ParentRole>
      <Position>55</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R56.htm</HtmlFileName>
      <LongName>9954494 - Disclosure - Summary of Significant Accounting Policies - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails</Role>
      <ShortName>Summary of Significant Accounting Policies - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>56</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R57.htm</HtmlFileName>
      <LongName>9954495 - Disclosure - Summary of Significant Accounting Policies - Estimated Useful Lives of Respective Assets (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails</Role>
      <ShortName>Summary of Significant Accounting Policies - Estimated Useful Lives of Respective Assets (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>57</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R58.htm</HtmlFileName>
      <LongName>9954496 - Disclosure - Summary of Significant Accounting Policies - Earnings Per Share (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails</Role>
      <ShortName>Summary of Significant Accounting Policies - Earnings Per Share (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>58</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R59.htm</HtmlFileName>
      <LongName>9954497 - Disclosure - Business Combinations - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails</Role>
      <ShortName>Business Combinations - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>59</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R60.htm</HtmlFileName>
      <LongName>9954498 - Disclosure - Business Combinations - Net Assets Acquired (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails</Role>
      <ShortName>Business Combinations - Net Assets Acquired (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>60</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R61.htm</HtmlFileName>
      <LongName>9954499 - Disclosure - Business Combinations - Preliminary Allocation (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails</Role>
      <ShortName>Business Combinations - Preliminary Allocation (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>61</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R62.htm</HtmlFileName>
      <LongName>9954500 - Disclosure - Business Combinations - PCD Loans Acquired (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails</Role>
      <ShortName>Business Combinations - PCD Loans Acquired (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>62</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R63.htm</HtmlFileName>
      <LongName>9954501 - Disclosure - Business Combinations - Pro Forma Information (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails</Role>
      <ShortName>Business Combinations - Pro Forma Information (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>63</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R64.htm</HtmlFileName>
      <LongName>9954502 - Disclosure - Accumulated Other Comprehensive Income (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails</Role>
      <ShortName>Accumulated Other Comprehensive Income (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeTables</ParentRole>
      <Position>64</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R65.htm</HtmlFileName>
      <LongName>9954503 - Disclosure - Investment Securities - Summary of Investment Securities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails</Role>
      <ShortName>Investment Securities - Summary of Investment Securities (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>65</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R66.htm</HtmlFileName>
      <LongName>9954504 - Disclosure - Investment Securities - Investment Securities, Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails</Role>
      <ShortName>Investment Securities - Investment Securities, Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>66</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R67.htm</HtmlFileName>
      <LongName>9954505 - Disclosure - Investment Securities - Realized Gain/Loss (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/InvestmentSecuritiesRealizedGainLossDetails</Role>
      <ShortName>Investment Securities - Realized Gain/Loss (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>67</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R68.htm</HtmlFileName>
      <LongName>9954506 - Disclosure - Investment Securities - Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails</Role>
      <ShortName>Investment Securities - Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>68</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R69.htm</HtmlFileName>
      <LongName>9954507 - Disclosure - Investment Securities - Summary of Unrealized Loss Positions on Investment Securities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails</Role>
      <ShortName>Investment Securities - Summary of Unrealized Loss Positions on Investment Securities (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>69</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R70.htm</HtmlFileName>
      <LongName>9954508 - Disclosure - Loans and Leases - Components (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesComponentsDetails</Role>
      <ShortName>Loans and Leases - Components (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>70</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R71.htm</HtmlFileName>
      <LongName>9954509 - Disclosure - Loans and Leases - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesNarrativeDetails</Role>
      <ShortName>Loans and Leases - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>71</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R72.htm</HtmlFileName>
      <LongName>9954510 - Disclosure - Loans and Leases - Quality of Loans Held for Investment (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails</Role>
      <ShortName>Loans and Leases - Quality of Loans Held for Investment (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>72</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R73.htm</HtmlFileName>
      <LongName>9954511 - Disclosure - Loans and Leases - Loans Held for Investment by Credit Quality Indicator (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails</Role>
      <ShortName>Loans and Leases - Loans Held for Investment by Credit Quality Indicator (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>73</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R74.htm</HtmlFileName>
      <LongName>9954512 - Disclosure - Loans and Leases - Loans Held for Investment by Credit Quality Indicator - Amortized Basis (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails</Role>
      <ShortName>Loans and Leases - Loans Held for Investment by Credit Quality Indicator - Amortized Basis (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>74</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R75.htm</HtmlFileName>
      <LongName>9954513 - Disclosure - Loans and Leases - Collateral (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesCollateralDetails</Role>
      <ShortName>Loans and Leases - Collateral (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>75</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R76.htm</HtmlFileName>
      <LongName>9954514 - Disclosure - Loans and Leases - Loan Modifications (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails</Role>
      <ShortName>Loans and Leases - Loan Modifications (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>76</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R77.htm</HtmlFileName>
      <LongName>9954515 - Disclosure - Loans and Leases - Performance of Loans Modified in Last 12 Months (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails</Role>
      <ShortName>Loans and Leases - Performance of Loans Modified in Last 12 Months (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>77</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R78.htm</HtmlFileName>
      <LongName>9954516 - Disclosure - Loans and Leases - TDRs (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesTDRsDetails</Role>
      <ShortName>Loans and Leases - TDRs (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>78</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R79.htm</HtmlFileName>
      <LongName>9954517 - Disclosure - Loans and Leases - Financial Effect of TDRs (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails</Role>
      <ShortName>Loans and Leases - Financial Effect of TDRs (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>79</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R80.htm</HtmlFileName>
      <LongName>9954518 - Disclosure - Allowance for Credit Losses on Loans and Leases - Schedule of Activity in the Allowance for Loan and Lease Losses (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails</Role>
      <ShortName>Allowance for Credit Losses on Loans and Leases - Schedule of Activity in the Allowance for Loan and Lease Losses (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>80</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R81.htm</HtmlFileName>
      <LongName>9954519 - Disclosure - Allowance for Credit Losses on Loans and Leases - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails</Role>
      <ShortName>Allowance for Credit Losses on Loans and Leases - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>81</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R82.htm</HtmlFileName>
      <LongName>9954520 - Disclosure - Allowance for Credit Losses on Loans and Leases - Schedule of Additional Information about Nonaccrual Loans (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails</Role>
      <ShortName>Allowance for Credit Losses on Loans and Leases - Schedule of Additional Information about Nonaccrual Loans (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>82</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R83.htm</HtmlFileName>
      <LongName>9954521 - Disclosure - Leases - Lessor Arrangements Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails</Role>
      <ShortName>Leases - Lessor Arrangements Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>83</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R84.htm</HtmlFileName>
      <LongName>9954522 - Disclosure - Leases - Components of Lease Income (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesComponentsofLeaseIncomeDetails</Role>
      <ShortName>Leases - Components of Lease Income (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>84</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R85.htm</HtmlFileName>
      <LongName>9954523 - Disclosure - Leases - Components of Net Investment in Direct Financing Leases (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails</Role>
      <ShortName>Leases - Components of Net Investment in Direct Financing Leases (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>85</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R86.htm</HtmlFileName>
      <LongName>9954524 - Disclosure - Leases - Maturity Analysis of Undiscounted Lease Receivables (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails</Role>
      <ShortName>Leases - Maturity Analysis of Undiscounted Lease Receivables (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>86</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R87.htm</HtmlFileName>
      <LongName>9954525 - Disclosure - Leases - Lease Arrangements Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesLeaseArrangementsNarrativeDetails</Role>
      <ShortName>Leases - Lease Arrangements Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>87</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R88.htm</HtmlFileName>
      <LongName>9954526 - Disclosure - Leases - Component of Lease Expense (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails</Role>
      <ShortName>Leases - Component of Lease Expense (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>88</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R89.htm</HtmlFileName>
      <LongName>9954527 - Disclosure - Leases - Supplemental Cash Flow Information (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesSupplementalCashFlowInformationDetails</Role>
      <ShortName>Leases - Supplemental Cash Flow Information (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>89</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R90.htm</HtmlFileName>
      <LongName>9954528 - Disclosure - Leases - Supplemental Balance Sheet Information (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails</Role>
      <ShortName>Leases - Supplemental Balance Sheet Information (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>90</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R91.htm</HtmlFileName>
      <LongName>9954529 - Disclosure - Leases - Maturities of Lease Liabilities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails</Role>
      <ShortName>Leases - Maturities of Lease Liabilities (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>91</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R92.htm</HtmlFileName>
      <LongName>9954530 - Disclosure - Mortgage Servicing Rights - Changes in the Fair Value of Residential First Mortgage MSRs (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails</Role>
      <ShortName>Mortgage Servicing Rights - Changes in the Fair Value of Residential First Mortgage MSRs (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>92</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R93.htm</HtmlFileName>
      <LongName>9954531 - Disclosure - Mortgage Servicing Rights - Summary of Adverse Changes to Weighted-Average Assumptions on the Fair Value of Servicing Rights (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails</Role>
      <ShortName>Mortgage Servicing Rights - Summary of Adverse Changes to Weighted-Average Assumptions on the Fair Value of Servicing Rights (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>93</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R94.htm</HtmlFileName>
      <LongName>9954532 - Disclosure - Mortgage Servicing Rights - Summary of Income and Fees (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails</Role>
      <ShortName>Mortgage Servicing Rights - Summary of Income and Fees (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>94</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R95.htm</HtmlFileName>
      <LongName>9954533 - Disclosure - Variable Interest Entities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/VariableInterestEntitiesDetails</Role>
      <ShortName>Variable Interest Entities (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/VariableInterestEntities</ParentRole>
      <Position>95</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R96.htm</HtmlFileName>
      <LongName>9954534 - Disclosure - Borrowed Funds - Breakdown of borrowed funds (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails</Role>
      <ShortName>Borrowed Funds - Breakdown of borrowed funds (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>96</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R97.htm</HtmlFileName>
      <LongName>9954535 - Disclosure - Borrowed Funds - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BorrowedFundsNarrativeDetails</Role>
      <ShortName>Borrowed Funds - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>97</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R98.htm</HtmlFileName>
      <LongName>9954536 - Disclosure - Borrowed Funds - Advances (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BorrowedFundsAdvancesDetails</Role>
      <ShortName>Borrowed Funds - Advances (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>98</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R99.htm</HtmlFileName>
      <LongName>9954537 - Disclosure - Borrowed Funds - Junior Subordinated Debentures (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails</Role>
      <ShortName>Borrowed Funds - Junior Subordinated Debentures (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>99</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R100.htm</HtmlFileName>
      <LongName>9954538 - Disclosure - Borrowed Funds - Subordinated Notes (Details)</LongName>
      <ReportType>Notes</ReportType>
      <Role>http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails</Role>
      <ShortName>Borrowed Funds - Subordinated Notes (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>100</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R101.htm</HtmlFileName>
      <LongName>9954539 - Disclosure - Deposits - Schedule of Deposits (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DepositsScheduleofDepositsDetails</Role>
      <ShortName>Deposits - Schedule of Deposits (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>101</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R102.htm</HtmlFileName>
      <LongName>9954540 - Disclosure - Deposits - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DepositsNarrativeDetails</Role>
      <ShortName>Deposits - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>102</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R103.htm</HtmlFileName>
      <LongName>9954541 - Disclosure - Deposits - Maturities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DepositsMaturitiesDetails</Role>
      <ShortName>Deposits - Maturities (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>103</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R104.htm</HtmlFileName>
      <LongName>9954542 - Disclosure - Federal, State, and Local Taxes - Deferred Tax Assets and Liabilities (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails</Role>
      <ShortName>Federal, State, and Local Taxes - Deferred Tax Assets and Liabilities (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>104</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R105.htm</HtmlFileName>
      <LongName>9954543 - Disclosure - Federal, State, and Local Taxes - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails</Role>
      <ShortName>Federal, State, and Local Taxes - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>105</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R106.htm</HtmlFileName>
      <LongName>9954544 - Disclosure - Federal, State, and Local Taxes - Components of Income Tax Expense (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails</Role>
      <ShortName>Federal, State, and Local Taxes - Components of Income Tax Expense (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>106</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R107.htm</HtmlFileName>
      <LongName>9954545 - Disclosure - Federal, State, and Local Taxes - Reconciliation (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails</Role>
      <ShortName>Federal, State, and Local Taxes - Reconciliation (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>107</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R108.htm</HtmlFileName>
      <LongName>9954546 - Disclosure - Federal, State, and Local Taxes - Reconciliation of Gross Amounts of Tax Contingencies (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails</Role>
      <ShortName>Federal, State, and Local Taxes - Reconciliation of Gross Amounts of Tax Contingencies (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>108</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R109.htm</HtmlFileName>
      <LongName>9954547 - Disclosure - Stock-Related Benefits Plans - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails</Role>
      <ShortName>Stock-Related Benefits Plans - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>109</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R110.htm</HtmlFileName>
      <LongName>9954548 - Disclosure - Stock-Related Benefits Plans - Summary of Restricted Stock Activity (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails</Role>
      <ShortName>Stock-Related Benefits Plans - Summary of Restricted Stock Activity (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>110</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R111.htm</HtmlFileName>
      <LongName>9954549 - Disclosure - Stock-Related Benefits Plans - Summary of Performance-Based Restricted Stock Activity (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails</Role>
      <ShortName>Stock-Related Benefits Plans - Summary of Performance-Based Restricted Stock Activity (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>111</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R112.htm</HtmlFileName>
      <LongName>9954550 - Disclosure - Derivative and Hedging Activities - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails</Role>
      <ShortName>Derivative and Hedging Activities - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>112</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R113.htm</HtmlFileName>
      <LongName>9954551 - Disclosure - Derivative and Hedging Activities - Notional Amount and Fair Value of Derivative Financial Instruments (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails</Role>
      <ShortName>Derivative and Hedging Activities - Notional Amount and Fair Value of Derivative Financial Instruments (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>113</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R114.htm</HtmlFileName>
      <LongName>9954552 - Disclosure - Derivative and Hedging Activities - Derivatives Subject to a Master Netting Arrangement (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails</Role>
      <ShortName>Derivative and Hedging Activities - Derivatives Subject to a Master Netting Arrangement (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>114</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R115.htm</HtmlFileName>
      <LongName>9954553 - Disclosure - Derivative and Hedging Activities - Cash Flow Derivative Instruments On AOCL (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails</Role>
      <ShortName>Derivative and Hedging Activities - Cash Flow Derivative Instruments On AOCL (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>115</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R116.htm</HtmlFileName>
      <LongName>9954554 - Disclosure - Derivative and Hedging Activities - Net Gain (Loss) Recognized on Designated Instruments (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails</Role>
      <ShortName>Derivative and Hedging Activities - Net Gain (Loss) Recognized on Designated Instruments (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>116</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R117.htm</HtmlFileName>
      <LongName>9954555 - Disclosure - Intangible Assets - Goodwill (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/IntangibleAssetsGoodwillDetails</Role>
      <ShortName>Intangible Assets - Goodwill (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>117</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R118.htm</HtmlFileName>
      <LongName>9954556 - Disclosure - Intangible Assets - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails</Role>
      <ShortName>Intangible Assets - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>118</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R119.htm</HtmlFileName>
      <LongName>9954557 - Disclosure - Intangible Assets - Schedule Intangible Assets (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails</Role>
      <ShortName>Intangible Assets - Schedule Intangible Assets (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>119</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R120.htm</HtmlFileName>
      <LongName>9954558 - Disclosure - Intangible Assets - Future Amortization (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails</Role>
      <ShortName>Intangible Assets - Future Amortization (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>120</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R121.htm</HtmlFileName>
      <LongName>9954559 - Disclosure - Capital - Actual Capital Amount and Ratios (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails</Role>
      <ShortName>Capital - Actual Capital Amount and Ratios (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>121</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R122.htm</HtmlFileName>
      <LongName>9954560 - Disclosure - Capital - Preferred Stock and Treasury Stock (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails</Role>
      <ShortName>Capital - Preferred Stock and Treasury Stock (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>122</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R123.htm</HtmlFileName>
      <LongName>9954561 - Disclosure - Fair Value Measures - Financial Instruments Carried at Fair Value (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails</Role>
      <ShortName>Fair Value Measures - Financial Instruments Carried at Fair Value (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>123</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R124.htm</HtmlFileName>
      <LongName>9954562 - Disclosure - Fair Value Measures - Roll Forward of Financial Instruments (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails</Role>
      <ShortName>Fair Value Measures - Roll Forward of Financial Instruments (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>124</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R125.htm</HtmlFileName>
      <LongName>9954563 - Disclosure - Fair Value Measures - Quantitative Information about Recurring Level 3 Fair Value Financial Instruments (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails</Role>
      <ShortName>Fair Value Measures - Quantitative Information about Recurring Level 3 Fair Value Financial Instruments (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>125</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R126.htm</HtmlFileName>
      <LongName>9954564 - Disclosure - Fair Value Measures - Assets Measured at Fair Value on a Nonrecurring Basis (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails</Role>
      <ShortName>Fair Value Measures - Assets Measured at Fair Value on a Nonrecurring Basis (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>126</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R127.htm</HtmlFileName>
      <LongName>9954565 - Disclosure - Fair Value Measures - Carrying Amount and Estimated Fair Value of Financial Instruments (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails</Role>
      <ShortName>Fair Value Measures - Carrying Amount and Estimated Fair Value of Financial Instruments (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>127</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R128.htm</HtmlFileName>
      <LongName>9954566 - Disclosure - Fair Value Measures - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails</Role>
      <ShortName>Fair Value Measures - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>128</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R129.htm</HtmlFileName>
      <LongName>9954567 - Disclosure - Fair Value Measures - Changes in Fair Value Included in Earnings - Fair Value Option (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasuresChangesinFairValueIncludedinEarningsFairValueOptionDetails</Role>
      <ShortName>Fair Value Measures - Changes in Fair Value Included in Earnings - Fair Value Option (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>129</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R130.htm</HtmlFileName>
      <LongName>9954568 - Disclosure - Fair Value Measures - Differences Between Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance Outstanding - Fair Value Option (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails</Role>
      <ShortName>Fair Value Measures - Differences Between Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance Outstanding - Fair Value Option (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>130</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R131.htm</HtmlFileName>
      <LongName>9954569 - Disclosure - Employee Benefits - Obligations (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails</Role>
      <ShortName>Employee Benefits - Obligations (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>131</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R132.htm</HtmlFileName>
      <LongName>9954570 - Disclosure - Employee Benefits - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails</Role>
      <ShortName>Employee Benefits - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>132</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R133.htm</HtmlFileName>
      <LongName>9954571 - Disclosure - Employee Benefits - Schedule of Net Benefit Costs (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails</Role>
      <ShortName>Employee Benefits - Schedule of Net Benefit Costs (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>133</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R134.htm</HtmlFileName>
      <LongName>9954572 - Disclosure - Employee Benefits - Weighted Average Assumption (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails</Role>
      <ShortName>Employee Benefits - Weighted Average Assumption (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>134</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R135.htm</HtmlFileName>
      <LongName>9954573 - Disclosure - Employee Benefits - Asset Allocation Percentage (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails</Role>
      <ShortName>Employee Benefits - Asset Allocation Percentage (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>135</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R136.htm</HtmlFileName>
      <LongName>9954574 - Disclosure - Employee Benefits- Fair Value of Investments (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails</Role>
      <ShortName>Employee Benefits- Fair Value of Investments (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>136</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R137.htm</HtmlFileName>
      <LongName>9954575 - Disclosure - Employee Benefits - Current Allocations (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails</Role>
      <ShortName>Employee Benefits - Current Allocations (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>137</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R138.htm</HtmlFileName>
      <LongName>9954576 - Disclosure - Employee Benefits - Expected Future Payments (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails</Role>
      <ShortName>Employee Benefits - Expected Future Payments (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>138</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R139.htm</HtmlFileName>
      <LongName>9954577 - Disclosure - Commitment and Contingencies - Narrative (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails</Role>
      <ShortName>Commitment and Contingencies - Narrative (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>139</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R140.htm</HtmlFileName>
      <LongName>9954578 - Disclosure - Commitment and Contingencies - Off Balance Sheet (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails</Role>
      <ShortName>Commitment and Contingencies - Off Balance Sheet (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>140</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R141.htm</HtmlFileName>
      <LongName>9954579 - Disclosure - Commitment and Contingencies - Obligations (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails</Role>
      <ShortName>Commitment and Contingencies - Obligations (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>141</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R142.htm</HtmlFileName>
      <LongName>9954581 - Disclosure - Parent Company-Only Financial Information - Balance Sheet (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails</Role>
      <ShortName>Parent Company-Only Financial Information - Balance Sheet (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>142</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R143.htm</HtmlFileName>
      <LongName>9954582 - Disclosure - Parent Company-Only Financial Information - Income Statement (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails</Role>
      <ShortName>Parent Company-Only Financial Information - Income Statement (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>143</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R144.htm</HtmlFileName>
      <LongName>9954583 - Disclosure - Parent Company-Only Financial Information - Cash Flows Statement (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails</Role>
      <ShortName>Parent Company-Only Financial Information - Cash Flows Statement (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <Position>144</Position>
    </Report>
    <Report instance="fbc-20231231.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R145.htm</HtmlFileName>
      <LongName>9954584 - Disclosure - Subsequent Events (Details)</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.flagstar.com/role/SubsequentEventsDetails</Role>
      <ShortName>Subsequent Events (Details)</ShortName>
      <MenuCategory>Details</MenuCategory>
      <ParentRole>http://www.flagstar.com/role/SubsequentEvents</ParentRole>
      <Position>145</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="10-K" isDefinitelyFs="true" isUsgaap="true" original="fbc-20231231.htm">fbc-20231231.htm</File>
    <File>fbc-20231231.xsd</File>
    <File>fbc-20231231_cal.xml</File>
    <File>fbc-20231231_def.xml</File>
    <File>fbc-20231231_lab.xml</File>
    <File>fbc-20231231_pre.xml</File>
  </InputFiles>
  <SupplementalFiles>
    <File>fbc-20231231_g1.jpg</File>
  </SupplementalFiles>
  <BaseTaxonomies>
    <BaseTaxonomy items="28">http://fasb.org/srt/2023</BaseTaxonomy>
    <BaseTaxonomy items="2956">http://fasb.org/us-gaap/2023</BaseTaxonomy>
    <BaseTaxonomy items="45">http://xbrl.sec.gov/dei/2023</BaseTaxonomy>
    <BaseTaxonomy items="4">http://xbrl.sec.gov/ecd/2023</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>true</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>179
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "fbc-20231231.htm": {
   "nsprefix": "fbc",
   "nsuri": "http://www.flagstar.com/20231231",
   "dts": {
    "inline": {
     "local": [
      "fbc-20231231.htm"
     ]
    },
    "schema": {
     "local": [
      "fbc-20231231.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/reference-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-roles-2023.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-roles-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd",
      "https://xbrl.sec.gov/country/2023/country-2023.xsd",
      "https://xbrl.sec.gov/dei/2023/dei-2023.xsd",
      "https://xbrl.sec.gov/ecd/2023/ecd-2023.xsd",
      "https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd"
     ]
    },
    "calculationLink": {
     "local": [
      "fbc-20231231_cal.xml"
     ]
    },
    "definitionLink": {
     "local": [
      "fbc-20231231_def.xml"
     ]
    },
    "labelLink": {
     "local": [
      "fbc-20231231_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "fbc-20231231_pre.xml"
     ]
    }
   },
   "keyStandard": 709,
   "keyCustom": 122,
   "axisStandard": 43,
   "axisCustom": 0,
   "memberStandard": 114,
   "memberCustom": 80,
   "hidden": {
    "total": 17,
    "http://fasb.org/us-gaap/2023": 12,
    "http://xbrl.sec.gov/dei/2023": 4,
    "http://www.flagstar.com/20231231": 1
   },
   "contextCount": 863,
   "entityCount": 1,
   "segmentCount": 215,
   "elementCount": 1376,
   "unitCount": 13,
   "baseTaxonomies": {
    "http://fasb.org/us-gaap/2023": 2956,
    "http://xbrl.sec.gov/dei/2023": 45,
    "http://fasb.org/srt/2023": 28,
    "http://xbrl.sec.gov/ecd/2023": 4
   },
   "report": {
    "R1": {
     "role": "http://www.flagstar.com/role/Cover",
     "longName": "0000001 - Document - Cover",
     "shortName": "Cover",
     "isDefault": "true",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R2": {
     "role": "http://www.flagstar.com/role/AuditInformation",
     "longName": "0000002 - Document - Audit Information",
     "shortName": "Audit Information",
     "isDefault": "false",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "2",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "dei:AuditorFirmId",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "dei:AuditorFirmId",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R3": {
     "role": "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
     "longName": "0000003 - Statement - Consolidated Statements of Condition",
     "shortName": "Consolidated Statements of Condition",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "",
     "menuCat": "Statements",
     "order": "3",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:CashAndCashEquivalentsAtCarryingValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:PropertyPlantAndEquipmentNet",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R4": {
     "role": "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical",
     "longName": "0000004 - Statement - Consolidated Statements of Condition (Parenthetical)",
     "shortName": "Consolidated Statements of Condition (Parenthetical)",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "parenthetical",
     "menuCat": "Statements",
     "order": "4",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleRestricted",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleRestricted",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R5": {
     "role": "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
     "longName": "0000005 - Statement - Consolidated Statements of Income and Comprehensive Income",
     "shortName": "Consolidated Statements of Income and Comprehensive Income",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "",
     "menuCat": "Statements",
     "order": "5",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InterestAndFeeIncomeLoansAndLeases",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InterestAndFeeIncomeLoansAndLeases",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R6": {
     "role": "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical",
     "longName": "0000006 - Statement - Consolidated Statements of Income and Comprehensive Income (Parenthetical)",
     "shortName": "Consolidated Statements of Income and Comprehensive Income (Parenthetical)",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "parenthetical",
     "menuCat": "Statements",
     "order": "6",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R7": {
     "role": "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity",
     "longName": "0000007 - Statement - Consolidated Statements of Changes in Stockholders' Equity",
     "shortName": "Consolidated Statements of Changes in Stockholders' Equity",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "",
     "menuCat": "Statements",
     "order": "7",
     "firstAnchor": {
      "contextRef": "c-39",
      "name": "us-gaap:SharesOutstanding",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-39",
      "name": "us-gaap:SharesOutstanding",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R8": {
     "role": "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquityParenthetical",
     "longName": "0000008 - Statement - Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)",
     "shortName": "Consolidated Statements of Changes in Stockholders' Equity (Parenthetical)",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "parenthetical",
     "menuCat": "Statements",
     "order": "8",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CommonStockDividendsPerShareCashPaid",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:PreferredStockDividendsPerShareCashPaid",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R9": {
     "role": "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
     "longName": "0000009 - Statement - Consolidated Statements of Cash Flows",
     "shortName": "Consolidated Statements of Cash Flows",
     "isDefault": "false",
     "groupType": "statement",
     "subGroupType": "",
     "menuCat": "Statements",
     "order": "9",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:NetIncomeLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AmortizationOfDebtDiscountPremium",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R10": {
     "role": "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentation",
     "longName": "0000010 - Disclosure - Description of Business, Organization and Basis of Presentation",
     "shortName": "Description of Business, Organization and Basis of Presentation",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "10",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R11": {
     "role": "http://www.flagstar.com/role/SummaryofSignificantAccountingPolicies",
     "longName": "0000011 - Disclosure - Summary of Significant Accounting Policies",
     "shortName": "Summary of Significant Accounting Policies",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "11",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SignificantAccountingPoliciesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SignificantAccountingPoliciesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R12": {
     "role": "http://www.flagstar.com/role/BusinessCombinations",
     "longName": "0000012 - Disclosure - Business Combinations",
     "shortName": "Business Combinations",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "12",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:BusinessCombinationDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:BusinessCombinationDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R13": {
     "role": "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncome",
     "longName": "0000013 - Disclosure - Accumulated Other Comprehensive Income",
     "shortName": "Accumulated Other Comprehensive Income",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "13",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ComprehensiveIncomeNoteTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ComprehensiveIncomeNoteTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R14": {
     "role": "http://www.flagstar.com/role/InvestmentSecurities",
     "longName": "0000014 - Disclosure - Investment Securities",
     "shortName": "Investment Securities",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "14",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R15": {
     "role": "http://www.flagstar.com/role/LoansandLeases",
     "longName": "0000015 - Disclosure - Loans and Leases",
     "shortName": "Loans and Leases",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "15",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivablesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivablesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R16": {
     "role": "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeases",
     "longName": "0000016 - Disclosure - Allowance for Credit Losses on Loans and Leases",
     "shortName": "Allowance for Credit Losses on Loans and Leases",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "16",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AllowanceForCreditLossesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AllowanceForCreditLossesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R17": {
     "role": "http://www.flagstar.com/role/Leases",
     "longName": "0000017 - Disclosure - Leases",
     "shortName": "Leases",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "17",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:LesseeOperatingLeasesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "us-gaap:LessorDirectFinancingLeasesTextBlock",
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:LesseeOperatingLeasesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "us-gaap:LessorDirectFinancingLeasesTextBlock",
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R18": {
     "role": "http://www.flagstar.com/role/MortgageServicingRights",
     "longName": "0000018 - Disclosure - Mortgage Servicing Rights",
     "shortName": "Mortgage Servicing Rights",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "18",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:TransfersAndServicingOfFinancialAssetsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:TransfersAndServicingOfFinancialAssetsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R19": {
     "role": "http://www.flagstar.com/role/VariableInterestEntities",
     "longName": "0000019 - Disclosure - Variable Interest Entities",
     "shortName": "Variable Interest Entities",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "19",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:VariableInterestEntityDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:VariableInterestEntityDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R20": {
     "role": "http://www.flagstar.com/role/BorrowedFunds",
     "longName": "0000020 - Disclosure - Borrowed Funds",
     "shortName": "Borrowed Funds",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "20",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DebtDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DebtDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R21": {
     "role": "http://www.flagstar.com/role/Deposits",
     "longName": "0000021 - Disclosure - Deposits",
     "shortName": "Deposits",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "21",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DepositLiabilitiesDisclosuresTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DepositLiabilitiesDisclosuresTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R22": {
     "role": "http://www.flagstar.com/role/FederalStateandLocalTaxes",
     "longName": "0000022 - Disclosure - Federal, State, and Local Taxes",
     "shortName": "Federal, State, and Local Taxes",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "22",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:IncomeTaxDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:IncomeTaxDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R23": {
     "role": "http://www.flagstar.com/role/StockRelatedBenefitsPlans",
     "longName": "0000023 - Disclosure - Stock-Related Benefits Plans",
     "shortName": "Stock-Related Benefits Plans",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "23",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R24": {
     "role": "http://www.flagstar.com/role/DerivativeandHedgingActivities",
     "longName": "0000024 - Disclosure - Derivative and Hedging Activities",
     "shortName": "Derivative and Hedging Activities",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "24",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R25": {
     "role": "http://www.flagstar.com/role/IntangibleAssets",
     "longName": "0000025 - Disclosure - Intangible Assets",
     "shortName": "Intangible Assets",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "25",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:IntangibleAssetsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:IntangibleAssetsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R26": {
     "role": "http://www.flagstar.com/role/Capital",
     "longName": "0000026 - Disclosure - Capital",
     "shortName": "Capital",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "26",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R27": {
     "role": "http://www.flagstar.com/role/FairValueMeasures",
     "longName": "0000027 - Disclosure - Fair Value Measures",
     "shortName": "Fair Value Measures",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "27",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FairValueDisclosuresTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FairValueDisclosuresTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R28": {
     "role": "http://www.flagstar.com/role/EmployeeBenefits",
     "longName": "0000028 - Disclosure - Employee Benefits",
     "shortName": "Employee Benefits",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "28",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R29": {
     "role": "http://www.flagstar.com/role/CommitmentandContingencies",
     "longName": "0000029 - Disclosure - Commitment and Contingencies",
     "shortName": "Commitment and Contingencies",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "29",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CommitmentsAndContingenciesDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R30": {
     "role": "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformation",
     "longName": "0000031 - Disclosure - Parent Company-Only Financial Information",
     "shortName": "Parent Company-Only Financial Information",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Notes",
     "order": "30",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R31": {
     "role": "http://www.flagstar.com/role/SubsequentEvents",
     "longName": "0000032 - Disclosure - Subsequent Events",
     "shortName": "Subsequent Events",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "31",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SubsequentEventsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:SubsequentEventsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R32": {
     "role": "http://xbrl.sec.gov/ecd/role/PvpDisclosure",
     "longName": "995410 - Disclosure - Pay vs Performance Disclosure",
     "shortName": "Pay vs Performance Disclosure",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "32",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:NetIncomeLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R33": {
     "role": "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements",
     "longName": "995445 - Disclosure - Insider Trading Arrangements",
     "shortName": "Insider Trading Arrangements",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "",
     "menuCat": "Notes",
     "order": "33",
     "firstAnchor": {
      "contextRef": "c-137",
      "name": "ecd:Rule10b51ArrAdoptedFlag",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-137",
      "name": "ecd:Rule10b51ArrAdoptedFlag",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R34": {
     "role": "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies",
     "longName": "9954471 - Disclosure - Summary of Significant Accounting Policies (Policies)",
     "shortName": "Summary of Significant Accounting Policies (Policies)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "policies",
     "menuCat": "Policies",
     "order": "34",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:BasisOfAccountingPolicyPolicyTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:BasisOfAccountingPolicyPolicyTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R35": {
     "role": "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationTables",
     "longName": "9954472 - Disclosure - Description of Business, Organization and Basis of Presentation (Tables)",
     "shortName": "Description of Business, Organization and Basis of Presentation (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "35",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R36": {
     "role": "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesTables",
     "longName": "9954473 - Disclosure - Summary of Significant Accounting Policies (Tables)",
     "shortName": "Summary of Significant Accounting Policies (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "36",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R37": {
     "role": "http://www.flagstar.com/role/BusinessCombinationsTables",
     "longName": "9954474 - Disclosure - Business Combinations (Tables)",
     "shortName": "Business Combinations (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "37",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R38": {
     "role": "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeTables",
     "longName": "9954475 - Disclosure - Accumulated Other Comprehensive Income (Tables)",
     "shortName": "Accumulated Other Comprehensive Income (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "38",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R39": {
     "role": "http://www.flagstar.com/role/InvestmentSecuritiesTables",
     "longName": "9954476 - Disclosure - Investment Securities (Tables)",
     "shortName": "Investment Securities (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "39",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:TradingSecuritiesAndCertainTradingAssetsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:TradingSecuritiesAndCertainTradingAssetsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R40": {
     "role": "http://www.flagstar.com/role/LoansandLeasesTables",
     "longName": "9954477 - Disclosure - Loans and Leases (Tables)",
     "shortName": "Loans and Leases (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "40",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R41": {
     "role": "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesTables",
     "longName": "9954478 - Disclosure - Allowance for Credit Losses on Loans and Leases (Tables)",
     "shortName": "Allowance for Credit Losses on Loans and Leases (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "41",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R42": {
     "role": "http://www.flagstar.com/role/LeasesTables",
     "longName": "9954479 - Disclosure - Leases (Tables)",
     "shortName": "Leases (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "42",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DirectFinancingLeaseLeaseIncomeTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DirectFinancingLeaseLeaseIncomeTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R43": {
     "role": "http://www.flagstar.com/role/MortgageServicingRightsTables",
     "longName": "9954480 - Disclosure - Mortgage Servicing Rights (Tables)",
     "shortName": "Mortgage Servicing Rights (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "43",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfServicingAssetsAtFairValueTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfServicingAssetsAtFairValueTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R44": {
     "role": "http://www.flagstar.com/role/BorrowedFundsTables",
     "longName": "9954481 - Disclosure - Borrowed Funds (Tables)",
     "shortName": "Borrowed Funds (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "44",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDebtTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDebtTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R45": {
     "role": "http://www.flagstar.com/role/DepositsTables",
     "longName": "9954482 - Disclosure - Deposits (Tables)",
     "shortName": "Deposits (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "45",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DepositLiabilitiesTypeTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DepositLiabilitiesTypeTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R46": {
     "role": "http://www.flagstar.com/role/FederalStateandLocalTaxesTables",
     "longName": "9954483 - Disclosure - Federal, State, and Local Taxes (Tables)",
     "shortName": "Federal, State, and Local Taxes (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "46",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R47": {
     "role": "http://www.flagstar.com/role/StockRelatedBenefitsPlansTables",
     "longName": "9954484 - Disclosure - Stock-Related Benefits Plans (Tables)",
     "shortName": "Stock-Related Benefits Plans (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "47",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:NonvestedRestrictedStockSharesActivityTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:NonvestedRestrictedStockSharesActivityTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R48": {
     "role": "http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables",
     "longName": "9954485 - Disclosure - Derivative and Hedging Activities (Tables)",
     "shortName": "Derivative and Hedging Activities (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "48",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDerivativeInstrumentsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfDerivativeInstrumentsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R49": {
     "role": "http://www.flagstar.com/role/IntangibleAssetsTables",
     "longName": "9954486 - Disclosure - Intangible Assets (Tables)",
     "shortName": "Intangible Assets (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "49",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfGoodwillTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfGoodwillTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R50": {
     "role": "http://www.flagstar.com/role/CapitalTables",
     "longName": "9954487 - Disclosure - Capital (Tables)",
     "shortName": "Capital (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "50",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R51": {
     "role": "http://www.flagstar.com/role/FairValueMeasuresTables",
     "longName": "9954488 - Disclosure - Fair Value Measures (Tables)",
     "shortName": "Fair Value Measures (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "51",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R52": {
     "role": "http://www.flagstar.com/role/EmployeeBenefitsTables",
     "longName": "9954489 - Disclosure - Employee Benefits (Tables)",
     "shortName": "Employee Benefits (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "52",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R53": {
     "role": "http://www.flagstar.com/role/CommitmentandContingenciesTables",
     "longName": "9954490 - Disclosure - Commitment and Contingencies (Tables)",
     "shortName": "Commitment and Contingencies (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "tables",
     "menuCat": "Tables",
     "order": "53",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OtherCommitmentsTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OtherCommitmentsTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R54": {
     "role": "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationTables",
     "longName": "9954492 - Disclosure - Parent Company-Only Financial Information (Tables)",
     "shortName": "Parent Company-Only Financial Information (Tables)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Tables",
     "order": "54",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "srt:ScheduleOfCondensedBalanceSheetTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "srt:ScheduleOfCondensedBalanceSheetTableTextBlock",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R55": {
     "role": "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails",
     "longName": "9954493 - Disclosure - Description of Business, Organization and Basis of Presentation (Details)",
     "shortName": "Description of Business, Organization and Basis of Presentation (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "55",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:CommonStockParOrStatedValuePerShare",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-53",
      "name": "us-gaap:CommonStockParOrStatedValuePerShare",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "2",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R56": {
     "role": "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails",
     "longName": "9954494 - Disclosure - Summary of Significant Accounting Policies - Narrative (Details)",
     "shortName": "Summary of Significant Accounting Policies - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "56",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:CashAndCashEquivalentsAtCarryingValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DepositsAssets",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-7",
      "ancestors": [
       "span",
       "div",
       "us-gaap:CashAndCashEquivalentsPolicyTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R57": {
     "role": "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
     "longName": "9954495 - Disclosure - Summary of Significant Accounting Policies - Estimated Useful Lives of Respective Assets (Details)",
     "shortName": "Summary of Significant Accounting Policies - Estimated Useful Lives of Respective Assets (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "57",
     "firstAnchor": {
      "contextRef": "c-60",
      "name": "us-gaap:PropertyPlantAndEquipmentUsefulLife",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "ix:continuation",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-60",
      "name": "us-gaap:PropertyPlantAndEquipmentUsefulLife",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "ix:continuation",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R58": {
     "role": "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails",
     "longName": "9954496 - Disclosure - Summary of Significant Accounting Policies - Earnings Per Share (Details)",
     "shortName": "Summary of Significant Accounting Policies - Earnings Per Share (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "58",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R59": {
     "role": "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
     "longName": "9954497 - Disclosure - Business Combinations - Narrative (Details)",
     "shortName": "Business Combinations - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "59",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "fbc:NumberOfBranches",
      "unitRef": "branch",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R60": {
     "role": "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
     "longName": "9954498 - Disclosure - Business Combinations - Net Assets Acquired (Details)",
     "shortName": "Business Combinations - Net Assets Acquired (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "60",
     "firstAnchor": {
      "contextRef": "c-94",
      "name": "us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-71",
      "name": "fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R61": {
     "role": "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
     "longName": "9954499 - Disclosure - Business Combinations - Preliminary Allocation (Details)",
     "shortName": "Business Combinations - Preliminary Allocation (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "61",
     "firstAnchor": {
      "contextRef": "c-94",
      "name": "us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R62": {
     "role": "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails",
     "longName": "9954500 - Disclosure - Business Combinations - PCD Loans Acquired (Details)",
     "shortName": "Business Combinations - PCD Loans Acquired (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "62",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-71",
      "name": "us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R63": {
     "role": "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails",
     "longName": "9954501 - Disclosure - Business Combinations - Pro Forma Information (Details)",
     "shortName": "Business Combinations - Pro Forma Information (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "63",
     "firstAnchor": {
      "contextRef": "c-95",
      "name": "fbc:BusinessAcquisitionsProFormaNetIncomeInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:BusinessAcquisitionProFormaInformationTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-95",
      "name": "fbc:BusinessAcquisitionsProFormaNetIncomeInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:BusinessAcquisitionProFormaInformationTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R64": {
     "role": "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails",
     "longName": "9954502 - Disclosure - Accumulated Other Comprehensive Income (Details)",
     "shortName": "Accumulated Other Comprehensive Income (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "64",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DebtAndEquitySecuritiesGainLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-102",
      "name": "us-gaap:NetIncomeLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R65": {
     "role": "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
     "longName": "9954503 - Disclosure - Investment Securities - Summary of Investment Securities (Details)",
     "shortName": "Investment Securities - Summary of Investment Securities (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "65",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:HeldToMaturitySecuritiesTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:TradingSecuritiesAndCertainTradingAssetsTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R66": {
     "role": "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
     "longName": "9954504 - Disclosure - Investment Securities - Investment Securities, Narrative (Details)",
     "shortName": "Investment Securities - Investment Securities, Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "66",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FederalHomeLoanBankStock",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FederalReserveBankStock",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R67": {
     "role": "http://www.flagstar.com/role/InvestmentSecuritiesRealizedGainLossDetails",
     "longName": "9954505 - Disclosure - Investment Securities - Realized Gain/Loss (Details)",
     "shortName": "Investment Securities - Realized Gain/Loss (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "67",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfRealizedGainLossTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfRealizedGainLossTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R68": {
     "role": "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails",
     "longName": "9954506 - Disclosure - Investment Securities - Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity (Details)",
     "shortName": "Investment Securities - Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "68",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:HeldToMaturitySecuritiesTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:HeldToMaturitySecuritiesTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R69": {
     "role": "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails",
     "longName": "9954507 - Disclosure - Investment Securities - Summary of Unrealized Loss Positions on Investment Securities (Details)",
     "shortName": "Investment Securities - Summary of Unrealized Loss Positions on Investment Securities (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "69",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R70": {
     "role": "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
     "longName": "9954508 - Disclosure - Loans and Leases - Components (Details)",
     "shortName": "Loans and Leases - Components (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "70",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "fbc:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R71": {
     "role": "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
     "longName": "9954509 - Disclosure - Loans and Leases - Narrative (Details)",
     "shortName": "Loans and Leases - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "71",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "fbc:FinancingReceivableWithGovernmentGuaranty",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "fbc:FinancingReceivableWithGovernmentGuaranty",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R72": {
     "role": "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
     "longName": "9954510 - Disclosure - Loans and Leases - Quality of Loans Held for Investment (Details)",
     "shortName": "Loans and Leases - Quality of Loans Held for Investment (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "72",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:PastDueFinancingReceivablesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R73": {
     "role": "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
     "longName": "9954511 - Disclosure - Loans and Leases - Loans Held for Investment by Credit Quality Indicator (Details)",
     "shortName": "Loans and Leases - Loans Held for Investment by Credit Quality Indicator (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "73",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R74": {
     "role": "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
     "longName": "9954512 - Disclosure - Loans and Leases - Loans Held for Investment by Credit Quality Indicator - Amortized Basis (Details)",
     "shortName": "Loans and Leases - Loans Held for Investment by Credit Quality Indicator - Amortized Basis (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "74",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R75": {
     "role": "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
     "longName": "9954513 - Disclosure - Loans and Leases - Collateral (Details)",
     "shortName": "Loans and Leases - Collateral (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "75",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-312",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R76": {
     "role": "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
     "longName": "9954514 - Disclosure - Loans and Leases - Loan Modifications (Details)",
     "shortName": "Loans and Leases - Loan Modifications (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "76",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-319",
      "name": "us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "4",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R77": {
     "role": "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
     "longName": "9954515 - Disclosure - Loans and Leases - Performance of Loans Modified in Last 12 Months (Details)",
     "shortName": "Loans and Leases - Performance of Loans Modified in Last 12 Months (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "77",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R78": {
     "role": "http://www.flagstar.com/role/LoansandLeasesTDRsDetails",
     "longName": "9954516 - Disclosure - Loans and Leases - TDRs (Details)",
     "shortName": "Loans and Leases - TDRs (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "78",
     "firstAnchor": {
      "contextRef": "c-9",
      "name": "fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-9",
      "name": "fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R79": {
     "role": "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails",
     "longName": "9954517 - Disclosure - Loans and Leases - Financial Effect of TDRs (Details)",
     "shortName": "Loans and Leases - Financial Effect of TDRs (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "79",
     "firstAnchor": {
      "contextRef": "c-361",
      "name": "us-gaap:FinancingReceivableModificationsNumberOfContracts2",
      "unitRef": "loan",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-361",
      "name": "us-gaap:FinancingReceivableModificationsNumberOfContracts2",
      "unitRef": "loan",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R80": {
     "role": "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
     "longName": "9954518 - Disclosure - Allowance for Credit Losses on Loans and Leases - Schedule of Activity in the Allowance for Loan and Lease Losses (Details)",
     "shortName": "Allowance for Credit Losses on Loans and Leases - Schedule of Activity in the Allowance for Loan and Lease Losses (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "80",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R81": {
     "role": "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
     "longName": "9954519 - Disclosure - Allowance for Credit Losses on Loans and Leases - Narrative (Details)",
     "shortName": "Allowance for Credit Losses on Loans and Leases - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "81",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R82": {
     "role": "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
     "longName": "9954520 - Disclosure - Allowance for Credit Losses on Loans and Leases - Schedule of Additional Information about Nonaccrual Loans (Details)",
     "shortName": "Allowance for Credit Losses on Loans and Leases - Schedule of Additional Information about Nonaccrual Loans (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "82",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:ImpairedFinancingReceivablesTableTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:ImpairedFinancingReceivablesTableTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R83": {
     "role": "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails",
     "longName": "9954521 - Disclosure - Leases - Lessor Arrangements Narrative (Details)",
     "shortName": "Leases - Lessor Arrangements Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "83",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DirectFinancingLeaseResidualValueOfLeasedAsset",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DirectFinancingLeaseResidualValueOfLeasedAsset",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R84": {
     "role": "http://www.flagstar.com/role/LeasesComponentsofLeaseIncomeDetails",
     "longName": "9954522 - Disclosure - Leases - Components of Lease Income (Details)",
     "shortName": "Leases - Components of Lease Income (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "84",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DirectFinancingLeaseInterestIncome",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:DirectFinancingLeaseLeaseIncomeTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DirectFinancingLeaseInterestIncome",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:DirectFinancingLeaseLeaseIncomeTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R85": {
     "role": "http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails",
     "longName": "9954523 - Disclosure - Leases - Components of Net Investment in Direct Financing Leases (Details)",
     "shortName": "Leases - Components of Net Investment in Direct Financing Leases (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "85",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DirectFinancingLeaseLeaseReceivable",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DirectFinancingLeaseLeaseReceivable",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R86": {
     "role": "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails",
     "longName": "9954524 - Disclosure - Leases - Maturity Analysis of Undiscounted Lease Receivables (Details)",
     "shortName": "Leases - Maturity Analysis of Undiscounted Lease Receivables (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "86",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R87": {
     "role": "http://www.flagstar.com/role/LeasesLeaseArrangementsNarrativeDetails",
     "longName": "9954525 - Disclosure - Leases - Lease Arrangements Narrative (Details)",
     "shortName": "Leases - Lease Arrangements Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "87",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:LesseeOperatingLeaseTermOfContract",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "us-gaap:LesseeLeasesPolicyTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:LesseeOperatingLeaseTermOfContract",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "us-gaap:LesseeLeasesPolicyTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R88": {
     "role": "http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails",
     "longName": "9954526 - Disclosure - Leases - Component of Lease Expense (Details)",
     "shortName": "Leases - Component of Lease Expense (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "88",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OperatingLeaseCost",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:LeaseCostTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OperatingLeaseCost",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:LeaseCostTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R89": {
     "role": "http://www.flagstar.com/role/LeasesSupplementalCashFlowInformationDetails",
     "longName": "9954527 - Disclosure - Leases - Supplemental Cash Flow Information (Details)",
     "shortName": "Leases - Supplemental Cash Flow Information (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "89",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OperatingLeasePayments",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:LeaseCostTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:OperatingLeasePayments",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:LeaseCostTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R90": {
     "role": "http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails",
     "longName": "9954528 - Disclosure - Leases - Supplemental Balance Sheet Information (Details)",
     "shortName": "Leases - Supplemental Balance Sheet Information (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "90",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:OperatingLeaseRightOfUseAsset",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "fbc:AssetsAndLiabilitiesLesseeTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:OperatingLeaseRightOfUseAsset",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "fbc:AssetsAndLiabilitiesLesseeTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R91": {
     "role": "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails",
     "longName": "9954529 - Disclosure - Leases - Maturities of Lease Liabilities (Details)",
     "shortName": "Leases - Maturities of Lease Liabilities (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "91",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R92": {
     "role": "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails",
     "longName": "9954530 - Disclosure - Mortgage Servicing Rights - Changes in the Fair Value of Residential First Mortgage MSRs (Details)",
     "shortName": "Mortgage Servicing Rights - Changes in the Fair Value of Residential First Mortgage MSRs (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "92",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfServicingAssetsAtFairValueTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-372",
      "name": "us-gaap:ServicingAssetAtFairValueAdditions",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfServicingAssetsAtFairValueTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R93": {
     "role": "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails",
     "longName": "9954531 - Disclosure - Mortgage Servicing Rights - Summary of Adverse Changes to Weighted-Average Assumptions on the Fair Value of Servicing Rights (Details)",
     "shortName": "Mortgage Servicing Rights - Summary of Adverse Changes to Weighted-Average Assumptions on the Fair Value of Servicing Rights (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "93",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "4",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "4",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R94": {
     "role": "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails",
     "longName": "9954532 - Disclosure - Mortgage Servicing Rights - Summary of Income and Fees (Details)",
     "shortName": "Mortgage Servicing Rights - Summary of Income and Fees (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "94",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfServicingAssetsAtFairValueTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "fbc:SubservicingAssetatFairValueIncomeAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R95": {
     "role": "http://www.flagstar.com/role/VariableInterestEntitiesDetails",
     "longName": "9954533 - Disclosure - Variable Interest Entities (Details)",
     "shortName": "Variable Interest Entities (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "95",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "fbc:VariableInterestEntityNumberofEntities",
      "unitRef": "unit",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "fbc:VariableInterestEntityNumberofEntities",
      "unitRef": "unit",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R96": {
     "role": "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails",
     "longName": "9954534 - Disclosure - Borrowed Funds - Breakdown of borrowed funds (Details)",
     "shortName": "Borrowed Funds - Breakdown of borrowed funds (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "96",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:LongTermDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-383",
      "name": "us-gaap:LongTermDebt",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfDebtTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R97": {
     "role": "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
     "longName": "9954535 - Disclosure - Borrowed Funds - Narrative (Details)",
     "shortName": "Borrowed Funds - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "97",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:InterestPayableCurrentAndNoncurrent",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:InterestPayableCurrentAndNoncurrent",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R98": {
     "role": "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails",
     "longName": "9954536 - Disclosure - Borrowed Funds - Advances (Details)",
     "shortName": "Borrowed Funds - Advances (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "98",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R99": {
     "role": "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
     "longName": "9954537 - Disclosure - Borrowed Funds - Junior Subordinated Debentures (Details)",
     "shortName": "Borrowed Funds - Junior Subordinated Debentures (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "99",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfSubordinatedBorrowingTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R100": {
     "role": "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails",
     "longName": "9954538 - Disclosure - Borrowed Funds - Subordinated Notes (Details)",
     "shortName": "Borrowed Funds - Subordinated Notes (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "100",
     "firstAnchor": {
      "contextRef": "c-411",
      "name": "us-gaap:DebtInstrumentInterestRateStatedPercentage",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "5",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-411",
      "name": "us-gaap:DebtInstrumentInterestRateStatedPercentage",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "5",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R101": {
     "role": "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails",
     "longName": "9954539 - Disclosure - Deposits - Schedule of Deposits (Details)",
     "shortName": "Deposits - Schedule of Deposits (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "101",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DepositsMoneyMarketDeposits",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:DepositLiabilitiesTypeTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DepositsMoneyMarketDeposits",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:DepositLiabilitiesTypeTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R102": {
     "role": "http://www.flagstar.com/role/DepositsNarrativeDetails",
     "longName": "9954540 - Disclosure - Deposits - Narrative (Details)",
     "shortName": "Deposits - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "102",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R103": {
     "role": "http://www.flagstar.com/role/DepositsMaturitiesDetails",
     "longName": "9954541 - Disclosure - Deposits - Maturities (Details)",
     "shortName": "Deposits - Maturities (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "103",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:DepositLiabilitiesTypeTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-380",
      "name": "us-gaap:TimeDepositMaturitiesYearOne",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:TimeDepositMaturitiesTableTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R104": {
     "role": "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails",
     "longName": "9954542 - Disclosure - Federal, State, and Local Taxes - Deferred Tax Assets and Liabilities (Details)",
     "shortName": "Federal, State, and Local Taxes - Deferred Tax Assets and Liabilities (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "104",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R105": {
     "role": "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails",
     "longName": "9954543 - Disclosure - Federal, State, and Local Taxes - Narrative (Details)",
     "shortName": "Federal, State, and Local Taxes - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "105",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DeferredTaxAssetsOperatingLossCarryforwards",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R106": {
     "role": "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails",
     "longName": "9954544 - Disclosure - Federal, State, and Local Taxes - Components of Income Tax Expense (Details)",
     "shortName": "Federal, State, and Local Taxes - Components of Income Tax Expense (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "106",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CurrentFederalTaxExpenseBenefit",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:CurrentFederalTaxExpenseBenefit",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R107": {
     "role": "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails",
     "longName": "9954545 - Disclosure - Federal, State, and Local Taxes - Reconciliation (Details)",
     "shortName": "Federal, State, and Local Taxes - Reconciliation (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "107",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R108": {
     "role": "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails",
     "longName": "9954546 - Disclosure - Federal, State, and Local Taxes - Reconciliation of Gross Amounts of Tax Contingencies (Details)",
     "shortName": "Federal, State, and Local Taxes - Reconciliation of Gross Amounts of Tax Contingencies (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "108",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:UnrecognizedTaxBenefits",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:SummaryOfIncomeTaxContingenciesTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:SummaryOfIncomeTaxContingenciesTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R109": {
     "role": "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
     "longName": "9954547 - Disclosure - Stock-Related Benefits Plans - Narrative (Details)",
     "shortName": "Stock-Related Benefits Plans - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "109",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-418",
      "name": "us-gaap:AllocatedShareBasedCompensationExpense",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R110": {
     "role": "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails",
     "longName": "9954548 - Disclosure - Stock-Related Benefits Plans - Summary of Restricted Stock Activity (Details)",
     "shortName": "Stock-Related Benefits Plans - Summary of Restricted Stock Activity (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "110",
     "firstAnchor": {
      "contextRef": "c-421",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:NonvestedRestrictedStockSharesActivityTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-421",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:NonvestedRestrictedStockSharesActivityTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R111": {
     "role": "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
     "longName": "9954549 - Disclosure - Stock-Related Benefits Plans - Summary of Performance-Based Restricted Stock Activity (Details)",
     "shortName": "Stock-Related Benefits Plans - Summary of Performance-Based Restricted Stock Activity (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "111",
     "firstAnchor": {
      "contextRef": "c-423",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-423",
      "name": "us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R112": {
     "role": "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
     "longName": "9954550 - Disclosure - Derivative and Hedging Activities - Narrative (Details)",
     "shortName": "Derivative and Hedging Activities - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "112",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InterestAndFeeIncomeLoansAndLeasesHeldForSale",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R113": {
     "role": "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails",
     "longName": "9954551 - Disclosure - Derivative and Hedging Activities - Notional Amount and Fair Value of Derivative Financial Instruments (Details)",
     "shortName": "Derivative and Hedging Activities - Notional Amount and Fair Value of Derivative Financial Instruments (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "113",
     "firstAnchor": {
      "contextRef": "c-432",
      "name": "us-gaap:DerivativeLiabilityNotionalAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:ScheduleOfDerivativeInstrumentsTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-432",
      "name": "us-gaap:DerivativeLiabilityNotionalAmount",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:ScheduleOfDerivativeInstrumentsTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R114": {
     "role": "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
     "longName": "9954552 - Disclosure - Derivative and Hedging Activities - Derivatives Subject to a Master Netting Arrangement (Details)",
     "shortName": "Derivative and Hedging Activities - Derivatives Subject to a Master Netting Arrangement (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "114",
     "firstAnchor": {
      "contextRef": "c-464",
      "name": "us-gaap:DerivativeFairValueOfDerivativeLiability",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:OffsettingLiabilitiesTableTextBlock",
       "us-gaap:OffsettingAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-464",
      "name": "us-gaap:DerivativeLiabilityFairValueGrossAsset",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:OffsettingLiabilitiesTableTextBlock",
       "us-gaap:OffsettingAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R115": {
     "role": "http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails",
     "longName": "9954553 - Disclosure - Derivative and Hedging Activities - Cash Flow Derivative Instruments On AOCL (Details)",
     "shortName": "Derivative and Hedging Activities - Cash Flow Derivative Instruments On AOCL (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "115",
     "firstAnchor": {
      "contextRef": "c-477",
      "name": "us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-477",
      "name": "us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R116": {
     "role": "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails",
     "longName": "9954554 - Disclosure - Derivative and Hedging Activities - Net Gain (Loss) Recognized on Designated Instruments (Details)",
     "shortName": "Derivative and Hedging Activities - Net Gain (Loss) Recognized on Designated Instruments (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "116",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R117": {
     "role": "http://www.flagstar.com/role/IntangibleAssetsGoodwillDetails",
     "longName": "9954555 - Disclosure - Intangible Assets - Goodwill (Details)",
     "shortName": "Intangible Assets - Goodwill (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "117",
     "firstAnchor": {
      "contextRef": "c-8",
      "name": "us-gaap:Goodwill",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfGoodwillTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R118": {
     "role": "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails",
     "longName": "9954556 - Disclosure - Intangible Assets - Narrative (Details)",
     "shortName": "Intangible Assets - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "118",
     "firstAnchor": {
      "contextRef": "c-497",
      "name": "us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-497",
      "name": "us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R119": {
     "role": "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails",
     "longName": "9954557 - Disclosure - Intangible Assets - Schedule Intangible Assets (Details)",
     "shortName": "Intangible Assets - Schedule Intangible Assets (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "119",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:IntangibleAssetsGrossExcludingGoodwill",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:IntangibleAssetsGrossExcludingGoodwill",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R120": {
     "role": "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails",
     "longName": "9954558 - Disclosure - Intangible Assets - Future Amortization (Details)",
     "shortName": "Intangible Assets - Future Amortization (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "120",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R121": {
     "role": "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails",
     "longName": "9954559 - Disclosure - Capital - Actual Capital Amount and Ratios (Details)",
     "shortName": "Capital - Actual Capital Amount and Ratios (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "121",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:ExcessCapitalToRiskWeightedAssets",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:ExcessCapitalToRiskWeightedAssets",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R122": {
     "role": "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails",
     "longName": "9954560 - Disclosure - Capital - Preferred Stock and Treasury Stock (Details)",
     "shortName": "Capital - Preferred Stock and Treasury Stock (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "122",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:StockIssuedDuringPeriodSharesNewIssues",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-504",
      "name": "us-gaap:StockRepurchaseProgramAuthorizedAmount1",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R123": {
     "role": "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
     "longName": "9954561 - Disclosure - Fair Value Measures - Financial Instruments Carried at Fair Value (Details)",
     "shortName": "Fair Value Measures - Financial Instruments Carried at Fair Value (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "123",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-567",
      "name": "us-gaap:MarketableSecurities",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R124": {
     "role": "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails",
     "longName": "9954562 - Disclosure - Fair Value Measures - Roll Forward of Financial Instruments (Details)",
     "shortName": "Fair Value Measures - Roll Forward of Financial Instruments (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "124",
     "firstAnchor": {
      "contextRef": "c-689",
      "name": "us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-689",
      "name": "us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R125": {
     "role": "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
     "longName": "9954563 - Disclosure - Fair Value Measures - Quantitative Information about Recurring Level 3 Fair Value Financial Instruments (Details)",
     "shortName": "Fair Value Measures - Quantitative Information about Recurring Level 3 Fair Value Financial Instruments (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "125",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-692",
      "name": "us-gaap:ServicingAssetMeasurementInput",
      "unitRef": "constant_default_rate_per_loan",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R126": {
     "role": "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
     "longName": "9954564 - Disclosure - Fair Value Measures - Assets Measured at Fair Value on a Nonrecurring Basis (Details)",
     "shortName": "Fair Value Measures - Assets Measured at Fair Value on a Nonrecurring Basis (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "126",
     "firstAnchor": {
      "contextRef": "c-710",
      "name": "fbc:ImpairedLoansFairValueDisclosure",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-710",
      "name": "fbc:ImpairedLoansFairValueDisclosure",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R127": {
     "role": "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails",
     "longName": "9954565 - Disclosure - Fair Value Measures - Carrying Amount and Estimated Fair Value of Financial Instruments (Details)",
     "shortName": "Fair Value Measures - Carrying Amount and Estimated Fair Value of Financial Instruments (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "127",
     "firstAnchor": {
      "contextRef": "c-715",
      "name": "us-gaap:CashAndCashEquivalentsFairValueDisclosure",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:FairValueByBalanceSheetGroupingTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-715",
      "name": "us-gaap:CashAndCashEquivalentsFairValueDisclosure",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:FairValueByBalanceSheetGroupingTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R128": {
     "role": "http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails",
     "longName": "9954566 - Disclosure - Fair Value Measures - Narrative (Details)",
     "shortName": "Fair Value Measures - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "128",
     "firstAnchor": {
      "contextRef": "c-725",
      "name": "us-gaap:ServicingAssetMeasurementInput",
      "unitRef": "constant_default_rate_per_loan",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": null
    },
    "R129": {
     "role": "http://www.flagstar.com/role/FairValueMeasuresChangesinFairValueIncludedinEarningsFairValueOptionDetails",
     "longName": "9954567 - Disclosure - Fair Value Measures - Changes in Fair Value Included in Earnings - Fair Value Option (Details)",
     "shortName": "Fair Value Measures - Changes in Fair Value Included in Earnings - Fair Value Option (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "129",
     "firstAnchor": {
      "contextRef": "c-137",
      "name": "us-gaap:FairValueOptionChangesInFairValueGainLoss1",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "fbc:ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-137",
      "name": "us-gaap:FairValueOptionChangesInFairValueGainLoss1",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "fbc:ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R130": {
     "role": "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails",
     "longName": "9954568 - Disclosure - Fair Value Measures - Differences Between Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance Outstanding - Fair Value Option (Details)",
     "shortName": "Fair Value Measures - Differences Between Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance Outstanding - Fair Value Option (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "130",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "fbc:FairValueOptionContractualPrincipalOutstandingAssets",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "fbc:FairValueOptionContractualPrincipalOutstandingAssets",
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:FairValueOptionQuantitativeDisclosuresTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "fbc:FairValueOptionContractualPrincipalOutstandingAssets",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "fbc:FairValueOptionContractualPrincipalOutstandingAssets",
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:FairValueOptionQuantitativeDisclosuresTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R131": {
     "role": "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails",
     "longName": "9954569 - Disclosure - Employee Benefits - Obligations (Details)",
     "shortName": "Employee Benefits - Obligations (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "131",
     "firstAnchor": {
      "contextRef": "c-751",
      "name": "us-gaap:DefinedBenefitPlanBenefitObligation",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-753",
      "name": "us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R132": {
     "role": "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
     "longName": "9954570 - Disclosure - Employee Benefits - Narrative (Details)",
     "shortName": "Employee Benefits - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "132",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DefinedContributionPlanCostRecognized",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:DefinedContributionPlanCostRecognized",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R133": {
     "role": "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails",
     "longName": "9954571 - Disclosure - Employee Benefits - Schedule of Net Benefit Costs (Details)",
     "shortName": "Employee Benefits - Schedule of Net Benefit Costs (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "133",
     "firstAnchor": {
      "contextRef": "c-753",
      "name": "us-gaap:DefinedBenefitPlanInterestCost",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfNetBenefitCostsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-753",
      "name": "us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfNetBenefitCostsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R134": {
     "role": "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails",
     "longName": "9954572 - Disclosure - Employee Benefits - Weighted Average Assumption (Details)",
     "shortName": "Employee Benefits - Weighted Average Assumption (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "134",
     "firstAnchor": {
      "contextRef": "c-753",
      "name": "us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-753",
      "name": "us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R135": {
     "role": "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
     "longName": "9954573 - Disclosure - Employee Benefits - Asset Allocation Percentage (Details)",
     "shortName": "Employee Benefits - Asset Allocation Percentage (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "135",
     "firstAnchor": {
      "contextRef": "c-770",
      "name": "us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-770",
      "name": "us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R136": {
     "role": "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
     "longName": "9954574 - Disclosure - Employee Benefits- Fair Value of Investments (Details)",
     "shortName": "Employee Benefits- Fair Value of Investments (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "136",
     "firstAnchor": {
      "contextRef": "c-822",
      "name": "fbc:DefinedBenefitPlanPlanAssetsShares",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-822",
      "name": "fbc:DefinedBenefitPlanPlanAssetsShares",
      "unitRef": "shares",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "0",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R137": {
     "role": "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
     "longName": "9954575 - Disclosure - Employee Benefits - Current Allocations (Details)",
     "shortName": "Employee Benefits - Current Allocations (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "137",
     "firstAnchor": {
      "contextRef": "c-755",
      "name": "us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:DefinedBenefitPlanPlanAssetsAllocationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-755",
      "name": "us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations",
      "unitRef": "number",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "3",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:DefinedBenefitPlanPlanAssetsAllocationTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R138": {
     "role": "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails",
     "longName": "9954576 - Disclosure - Employee Benefits - Expected Future Payments (Details)",
     "shortName": "Employee Benefits - Expected Future Payments (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "138",
     "firstAnchor": {
      "contextRef": "c-755",
      "name": "us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-755",
      "name": "us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R139": {
     "role": "http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails",
     "longName": "9954577 - Disclosure - Commitment and Contingencies - Narrative (Details)",
     "shortName": "Commitment and Contingencies - Narrative (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "139",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "ix:continuation",
       "us-gaap:TradingSecuritiesAndCertainTradingAssetsTextBlock",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-734",
      "name": "fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-7",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R140": {
     "role": "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails",
     "longName": "9954578 - Disclosure - Commitment and Contingencies - Off Balance Sheet (Details)",
     "shortName": "Commitment and Contingencies - Off Balance Sheet (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "140",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:GuaranteeObligationsMaximumExposure",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfGuaranteeObligationsTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "fbc:OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:OtherCommitmentsTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R141": {
     "role": "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails",
     "longName": "9954579 - Disclosure - Commitment and Contingencies - Obligations (Details)",
     "shortName": "Commitment and Contingencies - Obligations (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "141",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "fbc:GuarantorObligationsCurrentCarryingValueCurrent",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfGuaranteeObligationsTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c-7",
      "name": "fbc:GuarantorObligationsCurrentCarryingValueCurrent",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "us-gaap:ScheduleOfGuaranteeObligationsTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true,
      "unique": true
     }
    },
    "R142": {
     "role": "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails",
     "longName": "9954581 - Disclosure - Parent Company-Only Financial Information - Balance Sheet (Details)",
     "shortName": "Parent Company-Only Financial Information - Balance Sheet (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Details",
     "order": "142",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:CashAndCashEquivalentsAtCarryingValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-498",
      "name": "us-gaap:CashAndCashEquivalentsAtCarryingValue",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "srt:ScheduleOfCondensedBalanceSheetTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R143": {
     "role": "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails",
     "longName": "9954582 - Disclosure - Parent Company-Only Financial Information - Income Statement (Details)",
     "shortName": "Parent Company-Only Financial Information - Income Statement (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Details",
     "order": "143",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:InterestAndDividendIncomeOperating",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-851",
      "name": "us-gaap:DividendIncomeOperating",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "srt:ScheduleOfCondensedIncomeStatementTableTextBlock",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R144": {
     "role": "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails",
     "longName": "9954583 - Disclosure - Parent Company-Only Financial Information - Cash Flows Statement (Details)",
     "shortName": "Parent Company-Only Financial Information - Cash Flows Statement (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "parenthetical",
     "menuCat": "Details",
     "order": "144",
     "firstAnchor": {
      "contextRef": "c-1",
      "name": "us-gaap:NetIncomeLoss",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-851",
      "name": "us-gaap:IncreaseDecreaseInOtherOperatingAssets",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "td",
       "tr",
       "table",
       "ix:continuation",
       "ix:continuation",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    },
    "R145": {
     "role": "http://www.flagstar.com/role/SubsequentEventsDetails",
     "longName": "9954584 - Disclosure - Subsequent Events (Details)",
     "shortName": "Subsequent Events (Details)",
     "isDefault": "false",
     "groupType": "disclosure",
     "subGroupType": "details",
     "menuCat": "Details",
     "order": "145",
     "firstAnchor": {
      "contextRef": "c-7",
      "name": "us-gaap:PreferredStockParOrStatedValuePerShare",
      "unitRef": "usdPerShare",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "INF",
      "ancestors": [
       "us-gaap:PreferredStockParOrStatedValuePerShare",
       "span",
       "div",
       "td",
       "tr",
       "table",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "first": true
     },
     "uniqueAnchor": {
      "contextRef": "c-863",
      "name": "us-gaap:WarrantsAndRightsOutstanding",
      "unitRef": "usd",
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": "-6",
      "ancestors": [
       "span",
       "div",
       "ix:continuation",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "fbc-20231231.htm",
      "unique": true
     }
    }
   },
   "tag": {
    "fbc_AOCICashFlowHedgeCumulativeGainLossTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "AOCICashFlowHedgeCumulativeGainLossTax",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net unrealized (loss) gain on cash flow hedges, tax",
        "label": "AOCI, Cash Flow Hedge, Cumulative Gain (Loss), Tax",
        "documentation": "AOCI, Cash Flow Hedge, Cumulative Gain (Loss), Tax"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_AOCIDebtSecuritiesAvailableForSaleAdjustmentTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "AOCIDebtSecuritiesAvailableForSaleAdjustmentTax",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net unrealized loss on securities available for sale, tax",
        "label": "AOCI, Debt Securities, Available-for-Sale, Adjustment, Tax",
        "documentation": "AOCI, Debt Securities, Available-for-Sale, Adjustment, Tax"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_ATMMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ATMMember",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "ATMs",
        "label": "ATM [Member]",
        "documentation": "ATM"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AccountingPoliciesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccountingPoliciesAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Accounting Policies [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AccountsNotesAndLoansReceivableLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccountsNotesAndLoansReceivableLineItems",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accounts, Notes, Loans and Financing Receivable [Line Items]",
        "label": "Accounts, Notes, Loans and Financing Receivable [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AccumulatedDefinedBenefitPlansAdjustmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedDefinedBenefitPlansAdjustmentMember",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accumulated Defined Benefit Plans Adjustment Attributable to Parent",
        "label": "Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]",
        "documentation": "Accumulated other comprehensive (income) loss related to defined benefit plans attributable to the parent."
       }
      }
     },
     "auth_ref": [
      "r7",
      "r29",
      "r53",
      "r1374",
      "r1375",
      "r1376"
     ]
    },
    "us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Past service liability",
        "label": "Accumulated Defined Benefit Plans Adjustment, Net Prior Service Attributable to Parent [Member]",
        "documentation": "Accumulated other comprehensive (income) loss related to prior service cost (credit) component of defined benefit plans attributable to the parent."
       }
      }
     },
     "auth_ref": [
      "r9",
      "r29",
      "r53",
      "r355",
      "r356",
      "r1374"
     ]
    },
    "us-gaap_AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Actuarial losses",
        "label": "Accumulated Defined Benefit Plans Adjustment, Net Gain (Loss) Attributable to Parent [Member]",
        "documentation": "Accumulated other comprehensive income (loss) related to gain (loss) component of defined benefit plans attributable to the parent."
       }
      }
     },
     "auth_ref": [
      "r6",
      "r29",
      "r53",
      "r355",
      "r356",
      "r1374"
     ]
    },
    "us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedGainLossNetCashFlowHedgeParentMember",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrealized gains on cash flow hedges:",
        "label": "Accumulated Gain (Loss), Net, Cash Flow Hedge, Parent [Member]",
        "documentation": "Accumulated other comprehensive income (loss) from gain (loss) of derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness, attributable to parent."
       }
      }
     },
     "auth_ref": [
      "r345",
      "r355",
      "r356",
      "r760",
      "r1175",
      "r1374"
     ]
    },
    "us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedNetUnrealizedInvestmentGainLossMember",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrealized gains on available-for-sale securities:",
        "label": "AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]",
        "documentation": "Accumulated unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), attributable to parent."
       }
      }
     },
     "auth_ref": [
      "r340",
      "r341",
      "r342",
      "r345",
      "r355",
      "r356",
      "r1374"
     ]
    },
    "us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net unrealized loss on securities available for sale, net of tax of $225 and $240, respectively",
        "label": "AOCI, Debt Securities, Available-for-Sale, Adjustment, after Tax",
        "documentation": "Amount, after tax, of accumulated unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r1373"
     ]
    },
    "us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax",
       "weight": -1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Net unrealized loss on pension and post-retirement obligations, net of tax of $12 and $18, respectively",
        "label": "Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after Tax",
        "documentation": "Amount, after tax, of accumulated other comprehensive (income) loss for defined benefit plan, that has not been recognized in net periodic benefit cost (credit)."
       }
      }
     },
     "auth_ref": [
      "r8",
      "r53",
      "r1471"
     ]
    },
    "fbc_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net unrealized loss on pension and post-retirement obligations, tax",
        "label": "Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, Tax",
        "documentation": "Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, Tax"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedOtherComprehensiveIncomeLossLineItems",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accumulated Other Comprehensive Income (Loss) [Line Items]",
        "label": "Accumulated Other Comprehensive Income (Loss) [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r354",
      "r355",
      "r799",
      "r800",
      "r801",
      "r802",
      "r803",
      "r804"
     ]
    },
    "us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedOtherComprehensiveIncomeLossNetOfTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_StockholdersEquity",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total accumulated other comprehensive loss, net of tax",
        "label": "Accumulated Other Comprehensive Income (Loss), Net of Tax",
        "documentation": "Amount, after tax, of accumulated increase (decrease) in equity from transaction and other event and circumstance from nonowner source."
       }
      }
     },
     "auth_ref": [
      "r52",
      "r53",
      "r196",
      "r333",
      "r931",
      "r952",
      "r956"
     ]
    },
    "us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accumulated other comprehensive loss, net of tax:",
        "label": "Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AccumulatedOtherComprehensiveIncomeLossTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedOtherComprehensiveIncomeLossTable",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accumulated Other Comprehensive Income (Loss) [Table]",
        "label": "Accumulated Other Comprehensive Income (Loss) [Table]",
        "documentation": "Disclosure of information about components of accumulated other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r354",
      "r355",
      "r799",
      "r800",
      "r801",
      "r802",
      "r803",
      "r804"
     ]
    },
    "us-gaap_AccumulatedOtherComprehensiveIncomeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AccumulatedOtherComprehensiveIncomeMember",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Accumulated Other Comprehensive Loss, Net of Tax",
        "label": "AOCI Attributable to Parent [Member]",
        "documentation": "Accumulated increase (decrease) in equity from transactions and other events and circumstances from non-owner sources, attributable to the parent. Excludes net income (loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners."
       }
      }
     },
     "auth_ref": [
      "r5",
      "r29",
      "r53",
      "r770",
      "r773",
      "r830",
      "r947",
      "r948",
      "r1374",
      "r1375",
      "r1376",
      "r1389",
      "r1390",
      "r1391"
     ]
    },
    "us-gaap_AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Estimated useful life",
        "label": "Acquired Finite-Lived Intangible Assets, Weighted Average Useful Life",
        "documentation": "Weighted average amortization period of finite-lived intangible assets acquired either individually or as part of a group of assets, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r215"
     ]
    },
    "fbc_AcquisitionDevelopmentAndConstructionLoanMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "AcquisitionDevelopmentAndConstructionLoanMember",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquisition, development, and construction",
        "label": "Acquisition, Development, and Construction Loan [Member]",
        "documentation": "Acquisition, Development, and Construction Loan"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_AcquisitionDevelopmentAndConstructionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "AcquisitionDevelopmentAndConstructionMember",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquisition, development, and construction",
        "label": "Acquisition Development And Construction [Member]",
        "documentation": "Acquisition Development And Construction"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_Additional402vDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "Additional402vDisclosureTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Additional 402(v) Disclosure",
        "label": "Additional 402(v) Disclosure [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1273"
     ]
    },
    "us-gaap_AdditionalPaidInCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AdditionalPaidInCapital",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_StockholdersEquity",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Paid-in capital in excess of par",
        "label": "Additional Paid in Capital",
        "documentation": "Amount of excess of issue price over par or stated value of stock and from other transaction involving stock or stockholder. Includes, but is not limited to, additional paid-in capital (APIC) for common and preferred stock."
       }
      }
     },
     "auth_ref": [
      "r187",
      "r1213",
      "r1533"
     ]
    },
    "us-gaap_AdditionalPaidInCapitalMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AdditionalPaidInCapitalMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Paid-in Capital in excess of Par",
        "terseLabel": "Additional Paid-in Capital [Member]",
        "label": "Additional Paid-in Capital [Member]",
        "documentation": "Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders."
       }
      }
     },
     "auth_ref": [
      "r715",
      "r716",
      "r717",
      "r970",
      "r1389",
      "r1390",
      "r1391",
      "r1486",
      "r1537"
     ]
    },
    "ecd_AdjToCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AdjToCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustment to Compensation, Amount",
        "label": "Adjustment to Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1279"
     ]
    },
    "ecd_AdjToCompAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AdjToCompAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustment to Compensation:",
        "label": "Adjustment to Compensation [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1279"
     ]
    },
    "ecd_AdjToNonPeoNeoCompFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AdjToNonPeoNeoCompFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustment to Non-PEO NEO Compensation Footnote",
        "label": "Adjustment to Non-PEO NEO Compensation Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1279"
     ]
    },
    "ecd_AdjToPeoCompFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AdjToPeoCompFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustment To PEO Compensation, Footnote",
        "label": "Adjustment To PEO Compensation, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1279"
     ]
    },
    "us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation expense related to restricted stock awards",
        "label": "APIC, Share-Based Payment Arrangement, Increase for Cost Recognition",
        "documentation": "Amount of increase to additional paid-in capital (APIC) for recognition of cost for award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r110",
      "r111",
      "r678"
     ]
    },
    "us-gaap_AdjustmentsToAdditionalPaidInCapitalWarrantIssued": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AdjustmentsToAdditionalPaidInCapitalWarrantIssued",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustments to warrants issued",
        "label": "Adjustments to Additional Paid in Capital, Warrant Issued",
        "documentation": "Amount of increase in additional paid in capital (APIC) resulting from the issuance of warrants. Includes allocation of proceeds of debt securities issued with detachable stock purchase warrants."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r97",
      "r225"
     ]
    },
    "us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "CASH FLOWS FROM OPERATING ACTIVITIES:",
        "label": "Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AdvancesFromFederalHomeLoanBanks": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AdvancesFromFederalHomeLoanBanks",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total FHLB advances",
        "label": "Advance from Federal Home Loan Bank",
        "documentation": "Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages."
       }
      }
     },
     "auth_ref": [
      "r272"
     ]
    },
    "us-gaap_AffordableHousingProgramObligation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AffordableHousingProgramObligation",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Affordable housing tax credit commitment",
        "label": "Affordable Housing Program Obligation",
        "documentation": "Amount of obligation related to Affordable Housing Program (AHP) assessments required by the Federal Home Loan Bank Act of 1932."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_AffordableHousingProgramObligationPeriod": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "AffordableHousingProgramObligationPeriod",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commitments that expect to be funded period",
        "label": "Affordable Housing Program Obligation Period",
        "documentation": "Affordable Housing Program Obligation Period"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AffordableHousingProjectInvestmentWriteDownAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AffordableHousingProjectInvestmentWriteDownAmount",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Affordable housing tax credit write down",
        "label": "Affordable Housing Project Investment, Write-down, Amount",
        "documentation": "Amount of write-down from impairment of an investment in a qualified affordable housing project."
       }
      }
     },
     "auth_ref": [
      "r1319"
     ]
    },
    "us-gaap_AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Affordable housing tax credits",
        "label": "Affordable Housing Tax Credits and Other Tax Benefits, Amount",
        "documentation": "Amount of affordable housing tax credits and other tax benefits recognized."
       }
      }
     },
     "auth_ref": [
      "r1316"
     ]
    },
    "ecd_AggtErrCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AggtErrCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Erroneous Compensation Amount",
        "label": "Aggregate Erroneous Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1243",
      "r1255",
      "r1265",
      "r1291"
     ]
    },
    "ecd_AggtErrCompNotYetDeterminedTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AggtErrCompNotYetDeterminedTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Erroneous Compensation Not Yet Determined",
        "label": "Aggregate Erroneous Compensation Not Yet Determined [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1246",
      "r1258",
      "r1268",
      "r1294"
     ]
    },
    "ecd_AllAdjToCompMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AllAdjToCompMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "All Adjustments to Compensation",
        "label": "All Adjustments to Compensation [Member]"
       }
      }
     },
     "auth_ref": [
      "r1279"
     ]
    },
    "ecd_AllExecutiveCategoriesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AllExecutiveCategoriesMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "All Executive Categories",
        "label": "All Executive Categories [Member]"
       }
      }
     },
     "auth_ref": [
      "r1286"
     ]
    },
    "ecd_AllIndividualsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AllIndividualsMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure",
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure",
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements",
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "All Individuals",
        "label": "All Individuals [Member]"
       }
      }
     },
     "auth_ref": [
      "r1250",
      "r1259",
      "r1269",
      "r1286",
      "r1295",
      "r1299",
      "r1307"
     ]
    },
    "ecd_AllTradingArrangementsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AllTradingArrangementsMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "All Trading Arrangements",
        "label": "All Trading Arrangements [Member]"
       }
      }
     },
     "auth_ref": [
      "r1305"
     ]
    },
    "us-gaap_AllocatedShareBasedCompensationExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AllocatedShareBasedCompensationExpense",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Share-based compensation expense",
        "label": "Share-Based Payment Arrangement, Expense",
        "documentation": "Amount of expense for award under share-based payment arrangement. Excludes amount capitalized."
       }
      }
     },
     "auth_ref": [
      "r710",
      "r722"
     ]
    },
    "us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Activity in the Allowance for Loan and Lease Losses",
        "label": "Financing Receivable, Allowance for Credit Loss [Table Text Block]",
        "documentation": "Tabular disclosure of allowance for credit loss on financing receivable."
       }
      }
     },
     "auth_ref": [
      "r79",
      "r1435"
     ]
    },
    "us-gaap_AllowanceForCreditLossesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AllowanceForCreditLossesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeases"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for Credit Losses on Loans and Leases",
        "label": "Allowance for Credit Losses [Text Block]",
        "documentation": "The entire disclosure for allowance for credit losses."
       }
      }
     },
     "auth_ref": [
      "r76"
     ]
    },
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amendment Flag",
        "label": "Amendment Flag",
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AmortizationMethodQualifiedAffordableHousingProjectInvestments",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Low income housing tax credits",
        "label": "Amortization Method Qualified Affordable Housing Project Investments",
        "documentation": "Amount of investment in qualified affordable housing projects."
       }
      }
     },
     "auth_ref": [
      "r1317"
     ]
    },
    "us-gaap_AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Affordable housing tax credit amortization",
        "label": "Amortization Method Qualified Affordable Housing Project Investments, Amortization",
        "documentation": "Amount of amortization expense of investment in qualified affordable housing projects."
       }
      }
     },
     "auth_ref": [
      "r1318"
     ]
    },
    "us-gaap_AmortizationOfDebtDiscountPremium": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AmortizationOfDebtDiscountPremium",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 16.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amortization of discounts and premiums, net",
        "label": "Amortization of Debt Discount (Premium)",
        "documentation": "Amount of noncash expense included in interest expense to amortize debt discount and premium associated with the related debt instruments. Excludes amortization of financing costs. Alternate captions include noncash interest expense."
       }
      }
     },
     "auth_ref": [
      "r16",
      "r165",
      "r204",
      "r582"
     ]
    },
    "us-gaap_AmortizationOfIntangibleAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AmortizationOfIntangibleAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestExpense",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Intangible asset amortization",
        "label": "Amortization of Intangible Assets",
        "documentation": "The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method."
       }
      }
     },
     "auth_ref": [
      "r16",
      "r90",
      "r94"
     ]
    },
    "us-gaap_AociLossCashFlowHedgeCumulativeGainLossAfterTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AociLossCashFlowHedgeCumulativeGainLossAfterTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net unrealized gain on cash flow hedges, net of tax of $(6) and $(20), respectively",
        "label": "AOCI, Cash Flow Hedge, Cumulative Gain (Loss), after Tax",
        "documentation": "Amount, after tax, of accumulated gain (loss) on derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness."
       }
      }
     },
     "auth_ref": [
      "r343"
     ]
    },
    "us-gaap_AssetBackedSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AssetBackedSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Asset-backed securities",
        "label": "Asset-Backed Securities [Member]",
        "documentation": "Securities that are primarily serviced by the cash flows of a discrete pool of receivables or other financial assets for example, but not limited to, credit card receivables, car loans, recreational vehicle loans, and mobile home loans."
       }
      }
     },
     "auth_ref": [
      "r1199",
      "r1403",
      "r1413",
      "r1421"
     ]
    },
    "us-gaap_AssetPledgedAsCollateralMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AssetPledgedAsCollateralMember",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Asset pledged as collateral",
        "label": "Asset Pledged as Collateral [Member]",
        "documentation": "Asset pledged as collateral."
       }
      }
     },
     "auth_ref": [
      "r758",
      "r996",
      "r1211",
      "r1515"
     ]
    },
    "us-gaap_AssetRetirementObligationsPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AssetRetirementObligationsPolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Asset Retirement Obligation",
        "label": "Asset Retirement Obligation [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for legal obligation associated with retirement of long-lived asset that results from acquisition, construction, or development or from normal operation of long-lived asset. Excludes environmental remediation liability from improper or other-than-normal operation of long-lived asset, obligation arising in connection with leased property that meets definition of lease payments or variable lease payments and from plan to sell or otherwise dispose of a long-lived asset."
       }
      }
     },
     "auth_ref": [
      "r536"
     ]
    },
    "us-gaap_Assets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "Assets",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      },
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total assets",
        "label": "Assets",
        "documentation": "Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events."
       }
      }
     },
     "auth_ref": [
      "r246",
      "r328",
      "r372",
      "r413",
      "r417",
      "r419",
      "r476",
      "r551",
      "r552",
      "r553",
      "r554",
      "r555",
      "r556",
      "r557",
      "r558",
      "r559",
      "r758",
      "r761",
      "r795",
      "r928",
      "r1015",
      "r1213",
      "r1231",
      "r1458",
      "r1459",
      "r1504"
     ]
    },
    "us-gaap_AssetsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AssetsAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "ASSETS:",
        "terseLabel": "ASSETS:",
        "label": "Assets [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_AssetsAndLiabilitiesLesseeTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "AssetsAndLiabilitiesLesseeTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Supplemental Balance Sheet Information",
        "label": "Assets And Liabilities, Lessee [Table Text Block]",
        "documentation": "Assets And Liabilities, Lessee"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AssetsFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AssetsFairValueDisclosure",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      },
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total assets at fair value",
        "label": "Assets, Fair Value Disclosure",
        "documentation": "Fair value portion of probable future economic benefits obtained or controlled by an entity as a result of past transactions or events."
       }
      }
     },
     "auth_ref": [
      "r157"
     ]
    },
    "us-gaap_AssetsFairValueDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AssetsFairValueDisclosureAbstract",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Assets:",
        "label": "Assets, Fair Value Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_AuditInformationAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "AuditInformationAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Audit Information [Abstract]",
        "documentation": "Audit Information [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "dei_AuditorFirmId": {
     "xbrltype": "nonemptySequenceNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AuditorFirmId",
     "presentation": [
      "http://www.flagstar.com/role/AuditInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Auditor Firm ID",
        "label": "Auditor Firm ID",
        "documentation": "PCAOB issued Audit Firm Identifier"
       }
      }
     },
     "auth_ref": [
      "r1237",
      "r1238",
      "r1251"
     ]
    },
    "dei_AuditorLocation": {
     "xbrltype": "internationalNameItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AuditorLocation",
     "presentation": [
      "http://www.flagstar.com/role/AuditInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Auditor Location",
        "label": "Auditor Location"
       }
      }
     },
     "auth_ref": [
      "r1237",
      "r1238",
      "r1251"
     ]
    },
    "dei_AuditorName": {
     "xbrltype": "internationalNameItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AuditorName",
     "presentation": [
      "http://www.flagstar.com/role/AuditInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Auditor Name",
        "label": "Auditor Name"
       }
      }
     },
     "auth_ref": [
      "r1237",
      "r1238",
      "r1251"
     ]
    },
    "us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross Unrealized Gain",
        "label": "Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Gain, before Tax",
        "documentation": "Amount, before tax, of unrealized gain in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r446"
     ]
    },
    "us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails": {
       "parentTag": "fbc_MarketableSecuritiesGrossUnrealizedLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross Unrealized Loss",
        "label": "Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax",
        "documentation": "Amount, before tax, of unrealized loss in accumulated other comprehensive income (AOCI) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r447"
     ]
    },
    "us-gaap_AvailableForSaleSecuritiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AvailableForSaleSecuritiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt securities available-for-sale",
        "label": "Debt Securities, Available-for-Sale [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Due from five to ten years",
        "label": "Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10",
        "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in sixth through tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r1406"
     ]
    },
    "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Due from one to five years",
        "label": "Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five",
        "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in second through fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r1405"
     ]
    },
    "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Due after ten years",
        "label": "Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10",
        "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing after tenth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r1407"
     ]
    },
    "us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Due within one year",
        "label": "Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One",
        "documentation": "Amortized cost of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), with single maturity date and allocated without single maturity date, maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r1404"
     ]
    },
    "ecd_AwardExrcPrice": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardExrcPrice",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Exercise Price",
        "label": "Award Exercise Price"
       }
      }
     },
     "auth_ref": [
      "r1302"
     ]
    },
    "ecd_AwardGrantDateFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardGrantDateFairValue",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value as of Grant Date",
        "label": "Award Grant Date Fair Value"
       }
      }
     },
     "auth_ref": [
      "r1303"
     ]
    },
    "ecd_AwardTmgDiscLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardTmgDiscLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Award Timing Disclosures [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1298"
     ]
    },
    "ecd_AwardTmgHowMnpiCnsdrdTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardTmgHowMnpiCnsdrdTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing, How MNPI Considered",
        "label": "Award Timing, How MNPI Considered [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1298"
     ]
    },
    "ecd_AwardTmgMethodTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardTmgMethodTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing Method",
        "label": "Award Timing Method [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1298"
     ]
    },
    "ecd_AwardTmgMnpiCnsdrdFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardTmgMnpiCnsdrdFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing MNPI Considered",
        "label": "Award Timing MNPI Considered [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1298"
     ]
    },
    "ecd_AwardTmgMnpiDiscTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardTmgMnpiDiscTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing MNPI Disclosure",
        "label": "Award Timing MNPI Disclosure [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1298"
     ]
    },
    "ecd_AwardTmgPredtrmndFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardTmgPredtrmndFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Timing Predetermined",
        "label": "Award Timing Predetermined [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1298"
     ]
    },
    "us-gaap_AwardTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "AwardTypeAxis",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails",
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Type [Axis]",
        "label": "Award Type [Axis]",
        "documentation": "Information by type of award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r681",
      "r682",
      "r683",
      "r685",
      "r686",
      "r687",
      "r688",
      "r689",
      "r690",
      "r691",
      "r692",
      "r693",
      "r694",
      "r695",
      "r696",
      "r697",
      "r698",
      "r699",
      "r700",
      "r701",
      "r702",
      "r705",
      "r706",
      "r707",
      "r708",
      "r709"
     ]
    },
    "ecd_AwardUndrlygSecuritiesAmt": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardUndrlygSecuritiesAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Underlying Securities",
        "label": "Award Underlying Securities Amount"
       }
      }
     },
     "auth_ref": [
      "r1301"
     ]
    },
    "ecd_AwardsCloseToMnpiDiscIndName": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardsCloseToMnpiDiscIndName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Awards Close in Time to MNPI Disclosures, Individual Name"
       }
      }
     },
     "auth_ref": [
      "r1300"
     ]
    },
    "ecd_AwardsCloseToMnpiDiscTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardsCloseToMnpiDiscTable",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Awards Close in Time to MNPI Disclosures",
        "label": "Awards Close in Time to MNPI Disclosures [Table]"
       }
      }
     },
     "auth_ref": [
      "r1299"
     ]
    },
    "ecd_AwardsCloseToMnpiDiscTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "AwardsCloseToMnpiDiscTableTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Awards Close in Time to MNPI Disclosures, Table",
        "label": "Awards Close in Time to MNPI Disclosures [Table Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1299"
     ]
    },
    "fbc_BONUSESUnitsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BONUSESUnitsMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "BONUSES Units",
        "label": "BONUSES Units [Member]",
        "documentation": "BONUSES Units"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BadDebtReserveForTaxPurposesOfQualifiedLender": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BadDebtReserveForTaxPurposesOfQualifiedLender",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Bad debt reserve",
        "label": "Bad Debt Reserve, Tax Purpose of Qualified Lender",
        "documentation": "Amount of bad debt reserves for tax purposes of qualified lenders excluded in calculating deferred taxes."
       }
      }
     },
     "auth_ref": [
      "r1",
      "r22",
      "r23",
      "r724"
     ]
    },
    "us-gaap_BalanceSheetLocationAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BalanceSheetLocationAxis",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Balance Sheet Location [Axis]",
        "label": "Balance Sheet Location [Axis]",
        "documentation": "Information by location on balance sheet (statement of financial position)."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BalanceSheetLocationDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BalanceSheetLocationDomain",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Balance Sheet Location [Domain]",
        "label": "Balance Sheet Location [Domain]",
        "documentation": "Location in the balance sheet (statement of financial position)."
       }
      }
     },
     "auth_ref": [
      "r139",
      "r144"
     ]
    },
    "us-gaap_BankOwnedLifeInsurance": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BankOwnedLifeInsurance",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Bank-owned life insurance",
        "terseLabel": "Investment in BOLI",
        "label": "Bank Owned Life Insurance",
        "documentation": "The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy."
       }
      }
     },
     "auth_ref": [
      "r1520"
     ]
    },
    "us-gaap_BankOwnedLifeInsuranceIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BankOwnedLifeInsuranceIncome",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Bank-owned life insurance",
        "label": "Bank Owned Life Insurance Income",
        "documentation": "Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies."
       }
      }
     },
     "auth_ref": [
      "r262"
     ]
    },
    "fbc_BankOwnedLifeInsurancePolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BankOwnedLifeInsurancePolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Bank-Owned Life Insurance",
        "label": "Bank-Owned Life Insurance [Policy Text Block]",
        "documentation": "Bank-Owned Life Insurance"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BankingRegulationCapitalConservationBufferCapitalConservedMinimum",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum",
        "label": "Banking Regulation, Capital Conservation Buffer, Capital Conserved, Minimum",
        "documentation": "Minimum capital conservation buffer percentage required to avoid restriction on payout amount of eligible retained income as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcess": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BankingRegulationCommonEquityTier1RiskBasedCapitalExcess",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Excess, amount",
        "label": "Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess",
        "documentation": "Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Excess, ratio",
        "label": "Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess Ratio",
        "documentation": "Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Excess Ratio"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum for capital adequacy, ratio",
        "label": "Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum",
        "documentation": "Ratio of minimum Common Equity Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917",
      "r921"
     ]
    },
    "fbc_BankingRegulationTier1LeverageCapitalExcessRatio": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BankingRegulationTier1LeverageCapitalExcessRatio",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Excess, ratio",
        "label": "Banking Regulation, Tier 1 Leverage Capital, Excess Ratio",
        "documentation": "Banking Regulation, Tier 1 Leverage Capital, Excess Ratio"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BasisOfAccountingPolicyPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BasisOfAccountingPolicyPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Basis of Presentation",
        "label": "Basis of Accounting, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for basis of accounting, or basis of presentation, used to prepare the financial statements (for example, US Generally Accepted Accounting Principles, Other Comprehensive Basis of Accounting, IFRS)."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BifurcatedOptionNotesUnitSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BifurcatedOptionNotesUnitSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Bifurcated Option Notes Unit Securities",
        "label": "Bifurcated Option Notes Unit Securities [Member]",
        "documentation": "Bifurcated option notes unit securities."
       }
      }
     },
     "auth_ref": []
    },
    "srt_BrokersAndDealersAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "BrokersAndDealersAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Broker-Dealer [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BuildingMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BuildingMember",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Buildings",
        "label": "Building [Member]",
        "documentation": "Facility held for productive use including, but not limited to, office, production, storage and distribution facilities."
       }
      }
     },
     "auth_ref": [
      "r218"
     ]
    },
    "us-gaap_BusinessAcquisitionAcquireeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessAcquisitionAcquireeDomain",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Acquisition, Acquiree [Domain]",
        "label": "Business Acquisition, Acquiree [Domain]",
        "documentation": "Identification of the acquiree in a material business combination (or series of individually immaterial business combinations), which may include the name or other type of identification of the acquiree."
       }
      }
     },
     "auth_ref": [
      "r756",
      "r1203",
      "r1206"
     ]
    },
    "us-gaap_BusinessAcquisitionAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessAcquisitionAxis",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Acquisition [Axis]",
        "label": "Business Acquisition [Axis]",
        "documentation": "Information by business combination or series of individually immaterial business combinations."
       }
      }
     },
     "auth_ref": [
      "r116",
      "r117",
      "r756",
      "r1203",
      "r1206"
     ]
    },
    "us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessAcquisitionCostOfAcquiredEntityTransactionCosts",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquisition costs",
        "label": "Business Acquisition, Transaction Costs",
        "documentation": "Amount of direct costs of the business combination including legal, accounting, and other costs incurred to consummate the business acquisition."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Shares issued (in shares)",
        "label": "Business Acquisition, Equity Interest Issued or Issuable, Number of Shares",
        "documentation": "Number of shares of equity interests issued or issuable to acquire entity."
       }
      }
     },
     "auth_ref": [
      "r238"
     ]
    },
    "us-gaap_BusinessAcquisitionLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessAcquisitionLineItems",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Acquisition [Line Items]",
        "label": "Business Acquisition [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r756"
     ]
    },
    "us-gaap_BusinessAcquisitionProFormaInformationTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessAcquisitionProFormaInformationTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Pro Forma Information",
        "label": "Business Acquisition, Pro Forma Information [Table Text Block]",
        "documentation": "Tabular disclosure of pro forma results of operations for a material business acquisition or series of individually immaterial business acquisitions that are material in the aggregate."
       }
      }
     },
     "auth_ref": [
      "r1329",
      "r1330"
     ]
    },
    "fbc_BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net income available to common stockholders",
        "label": "Business Acquisitions, Pro Forma Net Income Available To Common Stockholders",
        "documentation": "Business Acquisitions, Pro Forma Net Income Available To Common Stockholders"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessAcquisitionsProFormaNetIncomeInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessAcquisitionsProFormaNetIncomeInterest",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net interest income",
        "label": "Business Acquisitions, Pro Forma, Net Income Interest",
        "documentation": "Business Acquisitions, Pro Forma, Net Income Interest"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessAcquisitionsProFormaNetIncomeLoss",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net income",
        "label": "Business Acquisition, Pro Forma Net Income (Loss)",
        "documentation": "The pro forma net Income or Loss for the period as if the business combination or combinations had been completed at the beginning of a period."
       }
      }
     },
     "auth_ref": [
      "r754",
      "r755"
     ]
    },
    "fbc_BusinessAcquisitionsProFormaNonInterestIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessAcquisitionsProFormaNonInterestIncome",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-interest income",
        "label": "Business Acquisitions, Pro Forma Non Interest Income",
        "documentation": "Business Acquisitions, Pro Forma Non Interest Income"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationAcquisitionRelatedCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationAcquisitionRelatedCosts",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestExpense",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Merger-related and restructuring expenses",
        "label": "Business Combination, Acquisition Related Costs",
        "documentation": "This element represents acquisition-related costs incurred to effect a business combination which costs have been expensed during the period. Such costs include finder's fees; advisory, legal, accounting, valuation, and other professional or consulting fees; general administrative costs, including the costs of maintaining an internal acquisitions department; and may include costs of registering and issuing debt and equity securities."
       }
      }
     },
     "auth_ref": [
      "r115"
     ]
    },
    "us-gaap_BusinessCombinationAndAssetAcquisitionAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationAndAssetAcquisitionAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Business Combination and Asset Acquisition [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationBargainPurchaseGainRecognizedAmount",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 5.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 15.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Bargain purchase gain",
        "negatedLabel": "Gain on business acquisition",
        "terseLabel": "Bargain purchase gain on Signature Transaction, as initially reported",
        "label": "Business Combination, Bargain Purchase, Gain Recognized, Amount",
        "documentation": "In a business combination in which the amount of net identifiable assets acquired and liabilities assumed exceeds the aggregate consideration transferred or to be transferred (as defined), this element represents the amount of gain recognized by the entity."
       }
      }
     },
     "auth_ref": [
      "r121",
      "r122",
      "r123",
      "r124",
      "r125",
      "r126"
     ]
    },
    "us-gaap_BusinessCombinationConsiderationTransferred1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationConsiderationTransferred1",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Purchase Price consideration",
        "label": "Business Combination, Consideration Transferred",
        "documentation": "Amount of consideration transferred, consisting of acquisition-date fair value of assets transferred by the acquirer, liabilities incurred by the acquirer, and equity interest issued by the acquirer."
       }
      }
     },
     "auth_ref": [
      "r2",
      "r3",
      "r21"
     ]
    },
    "us-gaap_BusinessCombinationDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinations"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Combinations",
        "label": "Business Combination Disclosure [Text Block]",
        "documentation": "The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable)."
       }
      }
     },
     "auth_ref": [
      "r236",
      "r757"
     ]
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total assets acquired",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Assets",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Assets"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Bargain purchase gain",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Bargain Purchase, Gain",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Bargain Purchase, Gain"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash &amp; cash equivalents",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Cash And Cash Equivalents",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Cash And Cash Equivalents"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certificates of deposit",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Certificates Of Deposit",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Certificates Of Deposit"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in deferred tax liability",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Change In Deferred Tax Liability",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Change In Deferred Tax Liability"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTotalLabel": "Fair value of net identifiable assets",
        "terseLabel": "Fair value adjustment",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Consideration Transferred",
        "documentation": "This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to items of consideration transferred in connection with a business combination for which the initial accounting was incomplete."
       }
      }
     },
     "auth_ref": [
      "r120"
     ]
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred tax liability",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Deferred Tax Liability",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Deferred Tax Liability"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FDIC Equity Appreciation Instrument",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Equity Appreciation Instrument",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Equity Appreciation Instrument"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held for investment:",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Financial Assets",
        "documentation": "This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to financial assets acquired in connection with a business combination for which the initial accounting was incomplete."
       }
      }
     },
     "auth_ref": [
      "r120"
     ]
    },
    "us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Financial Liabilities",
        "documentation": "This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to financial liabilities assumed in connection with a business combination for which the initial accounting was incomplete."
       }
      }
     },
     "auth_ref": [
      "r120"
     ]
    },
    "us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Core deposit and other intangibles",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Intangibles",
        "documentation": "This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to intangibles acquired in connection with a business combination for which the initial accounting was incomplete."
       }
      }
     },
     "auth_ref": [
      "r120"
     ]
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total liabilities assumed",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Liabilities",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Liabilities"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans returned to the FDIC",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans Returned to the FDIC",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans Returned to the FDIC"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement period adjustments, excluding taxes",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Measurement Period Adjustments, Excluding Taxes",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Measurement Period Adjustments, Excluding Taxes"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other assets",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Assets",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Assets"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other liabilities",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Liabilities",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Liabilities"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other net assets and liabilities",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Net Assets And Liabilities",
        "documentation": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Other Net Assets And Liabilities"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair value adjustments:",
        "label": "Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustments [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total assets acquired",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets",
        "documentation": "Amount of assets acquired at the acquisition date."
       }
      }
     },
     "auth_ref": [
      "r119"
     ]
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair value of assets acquired:",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash &amp; cash equivalents",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents",
        "documentation": "Amount of currency on hand as well as demand deposits with banks or financial institutions, acquired at the acquisition date. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates."
       }
      }
     },
     "auth_ref": [
      "r119"
     ]
    },
    "fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "CDI and other intangible assets",
        "label": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Core Deposit And Other Intangible Assets",
        "documentation": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Core Deposit And Other Intangible Assets"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other assets",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Other",
        "documentation": "Amount of other assets expected to be realized or consumed before one year or the normal operating cycle, if longer, acquired at the acquisition date."
       }
      }
     },
     "auth_ref": [
      "r119"
     ]
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Borrowings",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Long-Term Debt",
        "documentation": "Amount of long-term debt due within one year or within the normal operating cycle, if longer, assumed at the acquisition date."
       }
      }
     },
     "auth_ref": [
      "r119"
     ]
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other liabilities",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Other",
        "documentation": "Amount of other liabilities due within one year or within the normal operating cycle, if longer, assumed at the acquisition date."
       }
      }
     },
     "auth_ref": [
      "r119"
     ]
    },
    "fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "label": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Deposits",
        "documentation": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Deposits"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total liabilities assumed",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities",
        "documentation": "Amount of liabilities assumed at the acquisition date."
       }
      }
     },
     "auth_ref": [
      "r119"
     ]
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair value of liabilities assumed:",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held for investment:",
        "label": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Loans Held For Investment",
        "documentation": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Loans Held For Investment"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held for sale",
        "label": "Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Loans Held For Sale",
        "documentation": "Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Loans Held For Sale"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage servicing rights",
        "label": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Mortgage Servicing Rights",
        "documentation": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Mortgage Servicing Rights"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net assets acquired before fair value adjustments",
        "totalLabel": "Fair value of net identifiable assets",
        "label": "Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Net",
        "documentation": "Amount recognized as of the acquisition date for the identifiable assets acquired in excess of (less than) the aggregate liabilities assumed."
       }
      }
     },
     "auth_ref": [
      "r118",
      "r119"
     ]
    },
    "fbc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails": {
       "parentTag": "us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Securities",
        "label": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Securities",
        "documentation": "Business Combination, Recognized Identifiable Assets Acquired And Liabilities Assumed, Securities"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationsAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Combinations:",
        "label": "Business Combinations [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_BusinessCombinationsPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "BusinessCombinationsPolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Business Combinations Policy",
        "label": "Business Combinations Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for completed business combinations (purchase method, acquisition method or combination of entities under common control). This accounting policy may include a general discussion of the purchase method or acquisition method of accounting (including for example, the treatment accorded contingent consideration, the identification of assets and liabilities, the purchase price allocation process, how the fair values of acquired assets and liabilities are determined) and the entity's specific application thereof. An entity that acquires another entity in a leveraged buyout transaction generally discloses the accounting policy followed by the acquiring entity in determining the basis used to value its interest in the acquired entity, and the rationale for that accounting policy."
       }
      }
     },
     "auth_ref": [
      "r114"
     ]
    },
    "stpr_CA": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2023",
     "localname": "CA",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "California",
        "label": "CALIFORNIA"
       }
      }
     },
     "auth_ref": []
    },
    "stpr_CT": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2023",
     "localname": "CT",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Connecticut",
        "label": "CONNECTICUT"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_Capital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "Capital",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total capital, amount",
        "label": "Banking Regulation, Total Capital, Actual",
        "documentation": "Amount of total capital as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_CapitalAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CapitalAbstract",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total",
        "label": "Banking Regulation, Total Capital [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CapitalRequiredForCapitalAdequacy": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CapitalRequiredForCapitalAdequacy",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum for capital adequacy, amount",
        "label": "Banking Regulation, Total Risk-Based Capital, Capital Adequacy, Minimum",
        "documentation": "Amount of minimum total risk-based capital required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917",
      "r921"
     ]
    },
    "us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CapitalRequiredForCapitalAdequacyToRiskWeightedAssets",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum for capital adequacy, ratio",
        "label": "Banking Regulation, Total Risk-Based Capital Ratio, Capital Adequacy, Minimum",
        "documentation": "Ratio of minimum total risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917",
      "r921"
     ]
    },
    "us-gaap_CapitalToRiskWeightedAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CapitalToRiskWeightedAssets",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total capital, ratio",
        "label": "Banking Regulation, Total Risk-Based Capital Ratio, Actual",
        "documentation": "Ratio of total risk-based capital to risk-weighted assets as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_CarryingReportedAmountFairValueDisclosureMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CarryingReportedAmountFairValueDisclosureMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Carrying Value",
        "label": "Reported Value Measurement [Member]",
        "documentation": "Measured as reported on the statement of financial position (balance sheet)."
       }
      }
     },
     "auth_ref": [
      "r160",
      "r161"
     ]
    },
    "us-gaap_CashAcquiredFromAcquisition": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CashAcquiredFromAcquisition",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Cash acquired in business acquisition",
        "terseLabel": "Cash Acquired from Acquisition",
        "label": "Cash Acquired from Acquisition",
        "documentation": "The cash inflow associated with the acquisition of business during the period (for example, cash that was held by the acquired business)."
       }
      }
     },
     "auth_ref": [
      "r57"
     ]
    },
    "us-gaap_CashAndCashEquivalentsAtCarryingValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CashAndCashEquivalentsAtCarryingValue",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 10.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash and cash equivalents",
        "label": "Cash and Cash Equivalents, at Carrying Value",
        "documentation": "Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation."
       }
      }
     },
     "auth_ref": [
      "r63",
      "r324",
      "r1169"
     ]
    },
    "us-gaap_CashAndCashEquivalentsFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CashAndCashEquivalentsFairValueDisclosure",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash and cash equivalents",
        "label": "Cash and Cash Equivalents, Fair Value Disclosure",
        "documentation": "Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CashAndCashEquivalentsPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CashAndCashEquivalentsPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash and Cash Equivalents and Restricted Cash",
        "label": "Cash and Cash Equivalents, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value."
       }
      }
     },
     "auth_ref": [
      "r65"
     ]
    },
    "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Cash and cash equivalents at beginning of year",
        "periodEndLabel": "Cash and cash equivalents at end of year",
        "label": "Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents",
        "documentation": "Amount of cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage. Excludes amount for disposal group and discontinued operations. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates."
       }
      }
     },
     "auth_ref": [
      "r63",
      "r206",
      "r369"
     ]
    },
    "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net increase in cash, cash equivalents and restricted cash",
        "terseLabel": "Net increase (decrease) in cash and cash equivalents",
        "label": "Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect",
        "documentation": "Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; including effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates."
       }
      }
     },
     "auth_ref": [
      "r4",
      "r206"
     ]
    },
    "us-gaap_CashFlowHedgingMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CashFlowHedgingMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash flow hedging",
        "label": "Cash Flow Hedging [Member]",
        "documentation": "Hedge of the exposure to variability in the cash flows of a recognized asset or liability, or of a forecasted transaction, that is attributable to a particular risk."
       }
      }
     },
     "auth_ref": [
      "r137"
     ]
    },
    "fbc_CashFlowLesseeAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "CashFlowLesseeAbstract",
     "presentation": [
      "http://www.flagstar.com/role/LeasesSupplementalCashFlowInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash Flow, Lessee [Abstract]",
        "label": "Cash Flow, Lessee [Abstract]",
        "documentation": "Cash Flow, Lessee"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-cash investing and financing activities:",
        "label": "Cash Flow, Noncash Investing and Financing Activities Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_ChangedPeerGroupFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "ChangedPeerGroupFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Changed Peer Group, Footnote",
        "label": "Changed Peer Group, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1277"
     ]
    },
    "us-gaap_ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Changes in Projected Benefit Obligations, Fair Value of Plan Assets, and Funded Status of Plan",
        "label": "Changes in Projected Benefit Obligations, Fair Value of Plan Assets, and Funded Status of Plan [Table Text Block]",
        "documentation": "Tabular disclosure of the change in the benefit obligation, fair value of plan assets, and funded status of pension plans or other employee benefit plans."
       }
      }
     },
     "auth_ref": [
      "r39"
     ]
    },
    "dei_CityAreaCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CityAreaCode",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "City Area Code",
        "label": "City Area Code",
        "documentation": "Area code of city"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ClassOfStockDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ClassOfStockDomain",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails",
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails",
      "http://www.flagstar.com/role/Cover",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Stock [Domain]",
        "label": "Class of Stock [Domain]",
        "documentation": "Share of stock differentiated by the voting rights the holder receives. Examples include, but are not limited to, common stock, redeemable preferred stock, nonredeemable preferred stock, and convertible stock."
       }
      }
     },
     "auth_ref": [
      "r295",
      "r330",
      "r331",
      "r332",
      "r372",
      "r397",
      "r398",
      "r405",
      "r407",
      "r411",
      "r412",
      "r476",
      "r551",
      "r553",
      "r554",
      "r555",
      "r558",
      "r559",
      "r588",
      "r589",
      "r592",
      "r593",
      "r596",
      "r795",
      "r963",
      "r964",
      "r965",
      "r966",
      "r970",
      "r971",
      "r972",
      "r973",
      "r974",
      "r975",
      "r976",
      "r977",
      "r978",
      "r979",
      "r980",
      "r981",
      "r1003",
      "r1024",
      "r1045",
      "r1144",
      "r1145",
      "r1146",
      "r1147",
      "r1148",
      "r1315",
      "r1384",
      "r1394"
     ]
    },
    "us-gaap_ClassOfWarrantOrRightAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ClassOfWarrantOrRightAxis",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Warrant or Right [Axis]",
        "label": "Class of Warrant or Right [Axis]",
        "documentation": "Information by type of warrant or right issued."
       }
      }
     },
     "auth_ref": [
      "r108"
     ]
    },
    "us-gaap_ClassOfWarrantOrRightDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ClassOfWarrantOrRightDomain",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Warrant or Right [Domain]",
        "label": "Class of Warrant or Right [Domain]",
        "documentation": "Name of the class or type of warrant or right outstanding. Warrants and rights represent derivative securities that give the holder the right to purchase securities (usually equity) from the issuer at a specific price within a certain time frame. Warrants are often included in a new debt issue to entice investors by a higher return potential. The main difference between warrants and call options is that warrants are issued and guaranteed by the company, whereas options are exchange instruments and are not issued by the company. Also, the lifetime of a warrant is often measured in years, while the lifetime of a typical option is measured in months."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offering price (in dollars per share)",
        "label": "Class of Warrant or Right, Exercise Price of Warrants or Rights",
        "documentation": "Exercise price per share or per unit of warrants or rights outstanding."
       }
      }
     },
     "auth_ref": [
      "r597"
     ]
    },
    "us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of securities called by each warrant (in shares)",
        "label": "Class of Warrant or Right, Number of Securities Called by Each Warrant or Right",
        "documentation": "Number of securities into which each warrant or right may be converted. For example, but not limited to, each warrant may be converted into two shares."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of securities called by warrant (in shares)",
        "label": "Class of Warrant or Right, Number of Securities Called by Warrants or Rights",
        "documentation": "Number of securities into which the class of warrant or right may be converted. For example, but not limited to, 500,000 warrants may be converted into 1,000,000 shares."
       }
      }
     },
     "auth_ref": [
      "r597"
     ]
    },
    "us-gaap_ClassOfWarrantOrRightOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ClassOfWarrantOrRightOutstanding",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Warrant outstanding (in shares)",
        "label": "Class of Warrant or Right, Outstanding",
        "documentation": "Number of warrants or rights outstanding."
       }
      }
     },
     "auth_ref": []
    },
    "ecd_CoSelectedMeasureAmt": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "CoSelectedMeasureAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Company Selected Measure Amount",
        "label": "Company Selected Measure Amount"
       }
      }
     },
     "auth_ref": [
      "r1278"
     ]
    },
    "ecd_CoSelectedMeasureName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "CoSelectedMeasureName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Company Selected Measure Name",
        "label": "Company Selected Measure Name"
       }
      }
     },
     "auth_ref": [
      "r1278"
     ]
    },
    "us-gaap_CollateralAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CollateralAxis",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Collateral [Axis]",
        "label": "Collateral Held [Axis]",
        "documentation": "Information by category of collateral or no collateral, from lender's perspective."
       }
      }
     },
     "auth_ref": [
      "r1185"
     ]
    },
    "us-gaap_CollateralDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CollateralDomain",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Collateral [Domain]",
        "label": "Collateral Held [Domain]",
        "documentation": "Category of collateral or no collateral, from lender's perspective."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CollateralizedDebtObligationsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CollateralizedDebtObligationsMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Collateralized Debt Obligations",
        "label": "Collateralized Debt Obligations [Member]",
        "documentation": "Securities collateralized by a pool of assets."
       }
      }
     },
     "auth_ref": [
      "r1402",
      "r1408",
      "r1469"
     ]
    },
    "us-gaap_CollateralizedMortgageObligationsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CollateralizedMortgageObligationsMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "GSE CMOs",
        "label": "Collateralized Mortgage Obligations [Member]",
        "documentation": "The category includes multiclass, pay-through securitizations collateralized by mortgages secured by assets, such as automobiles and boats, which are generally structured so that the collections of principal and interest due from the underlying debtors are paid to the holders of the CMO."
       }
      }
     },
     "auth_ref": [
      "r221"
     ]
    },
    "fbc_CommercialAndIndustrialLoanAndLeaseFinancingMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "CommercialAndIndustrialLoanAndLeaseFinancingMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commercial and industrial loans and lease financing",
        "label": "Commercial and Industrial Loan and Lease Financing [Member]",
        "documentation": "Commercial and Industrial Loan and Lease Financing"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_CommercialAndIndustrialLoansMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "CommercialAndIndustrialLoansMember",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commercial and industrial",
        "label": "Commercial and Industrial Loans [Member]",
        "documentation": "Portfolio segment of the company's total financing receivables related to commercial and industrial loans, which includes lines of credit to small or middle market businesses for use in normal business operations to finance working capital needs, equipment purchases and expansion projects."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_CommercialLettersOfCreditMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "CommercialLettersOfCreditMember",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commercial letters of credit",
        "label": "Commercial, Letters Of Credit [Member]",
        "documentation": "Commercial, Letters Of Credit"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_CommercialRealEstateLoansMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "CommercialRealEstateLoansMember",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commercial real estate",
        "label": "Commercial Real Estate Loans [Member]",
        "documentation": "Portfolio segment of the company's total financing receivables related to commercial real estate loans that are collateralized by real estate properties intended to be income-producing in the normal course of business."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommercialRealEstateMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommercialRealEstateMember",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commercial real estate",
        "label": "Commercial Real Estate [Member]",
        "documentation": "Property that is solely used for business purposes."
       }
      }
     },
     "auth_ref": [
      "r1181",
      "r1186",
      "r1469"
     ]
    },
    "us-gaap_CommitmentsAndContingenciesDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommitmentsAndContingenciesDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commitments and Contingencies Disclosure [Abstract]",
        "label": "Commitments and Contingencies Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommitmentsAndContingenciesDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommitmentsAndContingenciesDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingencies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commitments and Contingencies",
        "label": "Commitments and Contingencies Disclosure [Text Block]",
        "documentation": "The entire disclosure for commitments and contingencies."
       }
      }
     },
     "auth_ref": [
      "r219",
      "r540",
      "r541",
      "r1154",
      "r1455"
     ]
    },
    "us-gaap_CommonEquityTierOneCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonEquityTierOneCapital",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total capital, amount",
        "label": "Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Actual",
        "documentation": "Amount of Common Equity Tier 1 risk-based capital as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_CommonEquityTierOneCapitalAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonEquityTierOneCapitalAbstract",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common Equity Tier 1",
        "label": "Banking Regulation, Common Equity Tier 1 Risk-Based Capital [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommonEquityTierOneCapitalRatio": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonEquityTierOneCapitalRatio",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total capital, ratio",
        "label": "Banking Regulation, Common Equity Tier 1 Risk-Based Capital Ratio, Actual",
        "documentation": "Ratio of Common Equity Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonEquityTierOneCapitalRequiredForCapitalAdequacy",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum for capital adequacy, amount",
        "label": "Banking Regulation, Common Equity Tier 1 Risk-Based Capital, Capital Adequacy, Minimum",
        "documentation": "Amount of minimum Common Equity Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917",
      "r921"
     ]
    },
    "us-gaap_CommonStockDividendsPerShareCashPaid": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonStockDividendsPerShareCashPaid",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity",
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquityParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Dividends paid on common stock (in dollars per share)",
        "label": "Common Stock, Dividends, Per Share, Cash Paid",
        "documentation": "Aggregate dividends paid during the period for each share of common stock outstanding."
       }
      }
     },
     "auth_ref": [
      "r225"
     ]
    },
    "fbc_CommonStockIssuedInBusinessCombination": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "CommonStockIssuedInBusinessCombination",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common Stock issued in business combination",
        "label": "Common Stock Issued In Business Combination",
        "documentation": "Common Stock Issued In Business Combination"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CommonStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonStockMember",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity",
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common Stock (Par Value: $0.01)",
        "label": "Common Stock [Member]",
        "documentation": "Stock that is subordinate to all other stock of the issuer."
       }
      }
     },
     "auth_ref": [
      "r1215",
      "r1216",
      "r1217",
      "r1219",
      "r1220",
      "r1221",
      "r1224",
      "r1389",
      "r1390",
      "r1486",
      "r1530",
      "r1537"
     ]
    },
    "us-gaap_CommonStockParOrStatedValuePerShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonStockParOrStatedValuePerShare",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquityParenthetical",
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical",
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Common stock, par value (in usd per share)",
        "label": "Common Stock, Par or Stated Value Per Share",
        "documentation": "Face amount or stated value per share of common stock."
       }
      }
     },
     "auth_ref": [
      "r186"
     ]
    },
    "us-gaap_CommonStockSharesAuthorized": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonStockSharesAuthorized",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Common stock, shares authorized (in shares)",
        "label": "Common Stock, Shares Authorized",
        "documentation": "The maximum number of common shares permitted to be issued by an entity's charter and bylaws."
       }
      }
     },
     "auth_ref": [
      "r186",
      "r1003"
     ]
    },
    "us-gaap_CommonStockSharesIssued": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonStockSharesIssued",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Common stock, shares issued (in shares)",
        "label": "Common Stock, Shares, Issued",
        "documentation": "Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury."
       }
      }
     },
     "auth_ref": [
      "r186"
     ]
    },
    "us-gaap_CommonStockSharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonStockSharesOutstanding",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Common stock, shares outstanding (in shares)",
        "label": "Common Stock, Shares, Outstanding",
        "documentation": "Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r186",
      "r1003",
      "r1021",
      "r1537",
      "r1538"
     ]
    },
    "us-gaap_CommonStockValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CommonStockValue",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_StockholdersEquity",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Common stock at par $0.01 (900,000,000 shares authorized; 744,155,791 and 705,429,386 shares issued; and 722,066,370 and 681,217,334 shares outstanding, respectively)",
        "label": "Common Stock, Value, Issued",
        "documentation": "Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity."
       }
      }
     },
     "auth_ref": [
      "r186",
      "r930",
      "r1213"
     ]
    },
    "ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "CompActuallyPaidVsCoSelectedMeasureTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Actually Paid vs. Company Selected Measure",
        "label": "Compensation Actually Paid vs. Company Selected Measure [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1283"
     ]
    },
    "ecd_CompActuallyPaidVsNetIncomeTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "CompActuallyPaidVsNetIncomeTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Actually Paid vs. Net Income",
        "label": "Compensation Actually Paid vs. Net Income [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1282"
     ]
    },
    "ecd_CompActuallyPaidVsOtherMeasureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "CompActuallyPaidVsOtherMeasureTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Actually Paid vs. Other Measure",
        "label": "Compensation Actually Paid vs. Other Measure [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1284"
     ]
    },
    "ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "CompActuallyPaidVsTotalShareholderRtnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Actually Paid vs. Total Shareholder Return",
        "label": "Compensation Actually Paid vs. Total Shareholder Return [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1281"
     ]
    },
    "us-gaap_CompensationAndRetirementDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CompensationAndRetirementDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Retirement Benefits [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails",
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]",
        "label": "Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r1523",
      "r1524"
     ]
    },
    "us-gaap_ComponentsOfDeferredTaxAssetsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ComponentsOfDeferredTaxAssetsAbstract",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred Tax Assets:",
        "label": "Components of Deferred Tax Assets [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ComponentsOfDeferredTaxLiabilitiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred Tax Liabilities:",
        "label": "Components of Deferred Tax Liabilities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_ComprehensiveIncomeLossTaxParent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ComprehensiveIncomeLossTaxParent",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total income taxes",
        "label": "Comprehensive Income (Loss), Tax, Parent",
        "documentation": "Comprehensive Income (Loss), Tax, Parent"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ComprehensiveIncomeNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ComprehensiveIncomeNetOfTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total comprehensive (loss) income, net of tax",
        "label": "Comprehensive Income (Loss), Net of Tax, Attributable to Parent",
        "documentation": "Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners."
       }
      }
     },
     "auth_ref": [
      "r54",
      "r350",
      "r352",
      "r359",
      "r909",
      "r940"
     ]
    },
    "us-gaap_ComprehensiveIncomeNoteTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ComprehensiveIncomeNoteTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accumulated Other Comprehensive Income",
        "label": "Comprehensive Income (Loss) Note [Text Block]",
        "documentation": "The entire disclosure for comprehensive income, which includes, but is not limited to, 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income."
       }
      }
     },
     "auth_ref": [
      "r195",
      "r358",
      "r908",
      "r938"
     ]
    },
    "us-gaap_ConcessionsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ConcessionsMember",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Premises",
        "label": "Concessions [Member]",
        "documentation": "Right to operate business within specified premises. Includes, but is not limited to, right to sell souvenir, food, or beverage at venue."
       }
      }
     },
     "auth_ref": [
      "r1466"
     ]
    },
    "srt_CondensedBalanceSheetStatementTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "CondensedBalanceSheetStatementTable",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Balance Sheet Statement [Table]",
        "label": "Condensed Balance Sheet Statement [Table]",
        "documentation": "Disclosure of information about condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r306",
      "r377",
      "r1321"
     ]
    },
    "srt_CondensedBalanceSheetStatementsCaptionsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "CondensedBalanceSheetStatementsCaptionsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Balance Sheet Statements, Captions [Line Items]",
        "label": "Condensed Balance Sheet Statements, Captions [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r307",
      "r377",
      "r1321"
     ]
    },
    "srt_CondensedCashFlowStatementTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "CondensedCashFlowStatementTable",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Cash Flow Statement [Table]",
        "label": "Condensed Cash Flow Statement [Table]",
        "documentation": "Disclosure of information about condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r307",
      "r377",
      "r1321"
     ]
    },
    "srt_CondensedCashFlowStatementsCaptionsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "CondensedCashFlowStatementsCaptionsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Cash Flow Statements, Captions [Line Items]",
        "label": "Condensed Cash Flow Statements, Captions [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r307",
      "r377",
      "r1321"
     ]
    },
    "srt_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Financial Information Disclosure [Abstract]",
        "label": "Condensed Financial Information Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Parent Company-Only Financial Information",
        "label": "Condensed Financial Information of Parent Company Only Disclosure [Text Block]",
        "documentation": "The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document."
       }
      }
     },
     "auth_ref": [
      "r322",
      "r377",
      "r1321"
     ]
    },
    "srt_CondensedIncomeStatementTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "CondensedIncomeStatementTable",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Income Statement [Table]",
        "label": "Condensed Income Statement [Table]",
        "documentation": "Disclosure of information about condensed income statement including, but not limited to, income statements of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r307",
      "r377",
      "r1321"
     ]
    },
    "srt_CondensedIncomeStatementsCaptionsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "CondensedIncomeStatementsCaptionsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Income Statements, Captions [Line Items]",
        "label": "Condensed Income Statements, Captions [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r307",
      "r377",
      "r1321"
     ]
    },
    "srt_ConsolidatedEntitiesAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "ConsolidatedEntitiesAxis",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails",
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consolidated Entities [Axis]",
        "label": "Consolidated Entities [Axis]",
        "documentation": "Information by consolidated entity or group of entities."
       }
      }
     },
     "auth_ref": [
      "r309",
      "r377",
      "r758",
      "r759",
      "r761",
      "r762",
      "r834",
      "r1164",
      "r1366",
      "r1367",
      "r1368",
      "r1457",
      "r1460",
      "r1461"
     ]
    },
    "srt_ConsolidatedEntitiesDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "ConsolidatedEntitiesDomain",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails",
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consolidated Entities [Domain]",
        "label": "Consolidated Entities [Domain]",
        "documentation": "Entity or group of entities consolidated into reporting entity."
       }
      }
     },
     "auth_ref": [
      "r309",
      "r377",
      "r758",
      "r759",
      "r761",
      "r762",
      "r834",
      "r1164",
      "r1366",
      "r1367",
      "r1368",
      "r1457",
      "r1460",
      "r1461"
     ]
    },
    "us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetLineItems",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]",
        "label": "Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ConsolidationLessThanWhollyOwnedSubsidiaryParentOwnershipInterestEffectsOfChangesNetTable",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Table]",
        "label": "Consolidation, Less than Wholly Owned Subsidiary, Parent Ownership Interest, Effects of Changes, Net [Table]",
        "documentation": "Summarization of information required and determined to be disclosed concerning the effects of any changes in a parent's ownership interest in a subsidiary on the equity attributable to the parent which may have occurred during the period. The changes represented by this element did not result in the deconsolidation of the subsidiary."
       }
      }
     },
     "auth_ref": [
      "r30",
      "r132"
     ]
    },
    "us-gaap_ConsolidationPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ConsolidationPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consolidation",
        "label": "Consolidation, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting. The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary."
       }
      }
     },
     "auth_ref": [
      "r127",
      "r1176"
     ]
    },
    "us-gaap_ConsolidationVariableInterestEntityPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ConsolidationVariableInterestEntityPolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable Interest Entities",
        "label": "Consolidation, Variable Interest Entity, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for consolidation to describe the significant judgments and assumptions made in determining whether a variable interest held by the entity requires the variable interest entity to be consolidated and (or) disclose information about its involvement with the variable interest entity; the methodology used by the entity for determining whether or not it is the primary beneficiary of the variable interest entity; and the significant factors considered and judgments made in determining that the power to direct the activities that significantly impact the economic performance of the variable interest entity are shared (as defined)."
       }
      }
     },
     "auth_ref": [
      "r128",
      "r129",
      "r130"
     ]
    },
    "us-gaap_ConsumerPortfolioSegmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ConsumerPortfolioSegmentMember",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Consumer and other",
        "label": "Consumer Portfolio Segment [Member]",
        "documentation": "Portfolio segment of the company's total financing receivables related to consumer receivables."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ContractualInterestRateReductionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ContractualInterestRateReductionMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest Rate Reduction",
        "label": "Contractual Interest Rate Reduction [Member]",
        "documentation": "Loan modification for a reduction of contractual interest rate."
       }
      }
     },
     "auth_ref": [
      "r433",
      "r434",
      "r437",
      "r1181"
     ]
    },
    "us-gaap_ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails": {
       "parentTag": "fbc_SubservicingAssetatFairValueIncomeAmount",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Servicing fees, ancillary income and late fees",
        "label": "Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset",
        "documentation": "Amount of contractually specified servicing fee, late fee, and ancillary fee recognized as income for servicing asset and servicing liability."
       }
      }
     },
     "auth_ref": [
      "r1517"
     ]
    },
    "us-gaap_ConvertiblePreferredStockSharesIssuedUponConversion": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ConvertiblePreferredStockSharesIssuedUponConversion",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Convertible Preferred Stock, Shares Issued upon Conversion",
        "label": "Convertible Preferred Stock, Shares Issued upon Conversion",
        "documentation": "Number of shares issued for each share of convertible preferred stock that is converted."
       }
      }
     },
     "auth_ref": [
      "r44",
      "r99",
      "r185",
      "r223",
      "r594"
     ]
    },
    "us-gaap_CoreDepositsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CoreDepositsMember",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Core Deposits",
        "label": "Core Deposits [Member]",
        "documentation": "Entity's long-term relationships with depositors, commonly known as core deposit intangibles, which are separate from the financial instruments themselves."
       }
      }
     },
     "auth_ref": [
      "r179"
     ]
    },
    "us-gaap_CorporateBondSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CorporateBondSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Corporate bonds",
        "label": "Corporate Bond Securities [Member]",
        "documentation": "This category includes information about long-term debt securities that are issued by either a domestic or foreign corporate business entity with a date certain promise of repayment and a return to the holder for the time value of money (for example, variable or fixed interest, original issue discount)."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CorporateNoteSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CorporateNoteSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Capital trust notes",
        "label": "Corporate Note Securities [Member]",
        "documentation": "This category includes information about short-term debt securities that are issued by either a domestic or foreign corporate business entity with a date certain promise of repayment and a return to the holder for the time value of money (for example, variable or fixed interest)."
       }
      }
     },
     "auth_ref": []
    },
    "srt_CounterpartyNameAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "CounterpartyNameAxis",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Counterparty Name [Axis]",
        "label": "Counterparty Name [Axis]",
        "documentation": "Information by name of counterparty. A counterparty is the other party that participates in a financial transaction. Examples include, but not limited to, the name of the financial institution."
       }
      }
     },
     "auth_ref": [
      "r319",
      "r374",
      "r375",
      "r564",
      "r591",
      "r833",
      "r1171",
      "r1174"
     ]
    },
    "dei_CoverAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CoverAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cover [Abstract]",
        "label": "Cover [Abstract]",
        "documentation": "Cover page."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CreditLossAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CreditLossAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Credit Loss [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CreditLossFinancialInstrumentPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CreditLossFinancialInstrumentPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for Credit Losses on Loans and Leases",
        "label": "Credit Loss, Financial Instrument [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for credit loss on financial instrument measured at amortized cost basis, net investment in lease, off-balance sheet credit exposure, and available-for-sale debt security. Includes, but is not limited to, methodology used to estimate allowance for credit loss, how writeoff of uncollectible amount is recognized, and determination of past due status and nonaccrual status."
       }
      }
     },
     "auth_ref": [
      "r293",
      "r481",
      "r482",
      "r483",
      "r484",
      "r485",
      "r492",
      "r496",
      "r501",
      "r504",
      "r505",
      "r510",
      "r511",
      "r512",
      "r514",
      "r516",
      "r517",
      "r522"
     ]
    },
    "us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CurrentFederalStateAndLocalTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total current",
        "label": "Current Federal, State and Local, Tax Expense (Benefit)",
        "documentation": "Amount of current federal, state, and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current national, regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1338"
     ]
    },
    "us-gaap_CurrentFederalTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CurrentFederalTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal \u2013 current",
        "label": "Current Federal Tax Expense (Benefit)",
        "documentation": "Amount of current federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current national tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1338",
      "r1387",
      "r1481"
     ]
    },
    "dei_CurrentFiscalYearEndDate": {
     "xbrltype": "gMonthDayItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CurrentFiscalYearEndDate",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Current Fiscal Year End Date",
        "label": "Current Fiscal Year End Date",
        "documentation": "End date of current fiscal year in the format --MM-DD."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_CurrentStateAndLocalTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "CurrentStateAndLocalTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "us-gaap_CurrentFederalStateAndLocalTaxExpenseBenefit",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "State and local \u2013 current",
        "label": "Current State and Local Tax Expense (Benefit)",
        "documentation": "Amount of current state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, current regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1338",
      "r1387",
      "r1481"
     ]
    },
    "us-gaap_DebtAndEquitySecuritiesGainLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtAndEquitySecuritiesGainLoss",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net loss on securities",
        "label": "Debt and Equity Securities, Gain (Loss)",
        "documentation": "Amount of unrealized and realized gain (loss) on investment in debt and equity securities."
       }
      }
     },
     "auth_ref": [
      "r200",
      "r201"
     ]
    },
    "us-gaap_DebtDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Disclosure [Abstract]",
        "label": "Debt Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFunds"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Borrowed Funds",
        "label": "Debt Disclosure [Text Block]",
        "documentation": "The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants."
       }
      }
     },
     "auth_ref": [
      "r220",
      "r371",
      "r560",
      "r566",
      "r567",
      "r568",
      "r569",
      "r570",
      "r571",
      "r576",
      "r583",
      "r584",
      "r586"
     ]
    },
    "us-gaap_DebtInstrumentAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtInstrumentAxis",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Instrument [Axis]",
        "label": "Debt Instrument [Axis]",
        "documentation": "Information by type of debt instrument, including, but not limited to, draws against credit facilities."
       }
      }
     },
     "auth_ref": [
      "r43",
      "r181",
      "r182",
      "r248",
      "r251",
      "r377",
      "r561",
      "r562",
      "r563",
      "r564",
      "r565",
      "r567",
      "r572",
      "r573",
      "r574",
      "r575",
      "r577",
      "r578",
      "r579",
      "r580",
      "r581",
      "r582",
      "r807",
      "r1192",
      "r1193",
      "r1194",
      "r1195",
      "r1196",
      "r1385"
     ]
    },
    "us-gaap_DebtInstrumentBasisSpreadOnVariableRate1": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtInstrumentBasisSpreadOnVariableRate1",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails",
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable rate on spread",
        "label": "Debt Instrument, Basis Spread on Variable Rate",
        "documentation": "Percentage points added to the reference rate to compute the variable rate on the debt instrument."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtInstrumentFaceAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtInstrumentFaceAmount",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Original Issue Amount",
        "label": "Debt Instrument, Face Amount",
        "documentation": "Face (par) amount of debt instrument at time of issuance."
       }
      }
     },
     "auth_ref": [
      "r166",
      "r168",
      "r561",
      "r807",
      "r1193",
      "r1194"
     ]
    },
    "us-gaap_DebtInstrumentInterestRateStatedPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtInstrumentInterestRateStatedPercentage",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest Rate of Capital Securities and Debentures",
        "verboseLabel": "Interest Rate",
        "label": "Debt Instrument, Interest Rate, Stated Percentage",
        "documentation": "Contractual interest rate for funds borrowed, under the debt agreement."
       }
      }
     },
     "auth_ref": [
      "r47",
      "r562"
     ]
    },
    "us-gaap_DebtInstrumentLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtInstrumentLineItems",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails",
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Instrument",
        "label": "Debt Instrument [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r377",
      "r561",
      "r562",
      "r563",
      "r564",
      "r565",
      "r567",
      "r572",
      "r573",
      "r574",
      "r575",
      "r577",
      "r578",
      "r579",
      "r580",
      "r581",
      "r582",
      "r585",
      "r807",
      "r1192",
      "r1193",
      "r1194",
      "r1195",
      "r1196",
      "r1385"
     ]
    },
    "us-gaap_DebtInstrumentNameDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtInstrumentNameDomain",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Instrument, Name [Domain]",
        "label": "Debt Instrument, Name [Domain]",
        "documentation": "The name for the particular debt instrument or borrowing that distinguishes it from other debt instruments or borrowings, including draws against credit facilities."
       }
      }
     },
     "auth_ref": [
      "r48",
      "r377",
      "r561",
      "r562",
      "r563",
      "r564",
      "r565",
      "r567",
      "r572",
      "r573",
      "r574",
      "r575",
      "r577",
      "r578",
      "r579",
      "r580",
      "r581",
      "r582",
      "r807",
      "r1192",
      "r1193",
      "r1194",
      "r1195",
      "r1196",
      "r1385"
     ]
    },
    "us-gaap_DebtInstrumentTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtInstrumentTable",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails",
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Long-term Debt Instruments [Table]",
        "label": "Schedule of Long-Term Debt Instruments [Table]",
        "documentation": "A table or schedule providing information pertaining to long-term debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the company, if longer."
       }
      }
     },
     "auth_ref": [
      "r48",
      "r99",
      "r101",
      "r165",
      "r166",
      "r168",
      "r180",
      "r222",
      "r224",
      "r377",
      "r561",
      "r562",
      "r563",
      "r564",
      "r565",
      "r567",
      "r572",
      "r573",
      "r574",
      "r575",
      "r577",
      "r578",
      "r579",
      "r580",
      "r581",
      "r582",
      "r585",
      "r807",
      "r1192",
      "r1193",
      "r1194",
      "r1195",
      "r1196",
      "r1385"
     ]
    },
    "us-gaap_DebtInstrumentUnamortizedDiscount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtInstrumentUnamortizedDiscount",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unamortized discount",
        "label": "Debt Instrument, Unamortized Discount",
        "documentation": "Amount, after accumulated amortization, of debt discount."
       }
      }
     },
     "auth_ref": [
      "r165",
      "r168",
      "r1463"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest receivable",
        "label": "Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss",
        "documentation": "Amount, after allowance for credit loss, of accrued interest on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r449",
      "r513",
      "r514",
      "r515"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]",
        "label": "Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of financial position that includes accrued interest, after allowance for credit loss, on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r514"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Provision for credit loss",
        "label": "Debt Securities, Available-for-Sale, Allowance for Credit Loss, Purchased with Credit Deterioration, Increase",
        "documentation": "Amount of increase in allowance for credit loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and beneficial interest, purchased with credit deterioration."
       }
      }
     },
     "auth_ref": [
      "r524"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails": {
       "parentTag": "fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Amortized Cost",
        "label": "Debt Securities, Available-for-Sale, Amortized Cost, Excluding Accrued Interest, after Allowance for Credit Loss",
        "documentation": "Amortized cost excluding accrued interest, after allowance for credit loss, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r1438"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Twelve Months or Longer, Fair Value",
        "label": "Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer",
        "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for more than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset."
       }
      }
     },
     "auth_ref": [
      "r279",
      "r521",
      "r1190"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Twelve Months or Longer, Unrealized Loss",
        "label": "Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss",
        "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for 12 months or longer, without allowance for credit loss. Includes beneficial interest in securitized financial asset."
       }
      }
     },
     "auth_ref": [
      "r279",
      "r521"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions": {
     "xbrltype": "integerItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of securities continuous unrealized loss position more than twelve months",
        "label": "Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions",
        "documentation": "Number of investments in debt securities measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for 12 months or longer, without an allowance for credit loss. Includes beneficial interest in securitized financial asset."
       }
      }
     },
     "auth_ref": [
      "r1440"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Less than Twelve Months, Fair Value",
        "label": "Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months",
        "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset."
       }
      }
     },
     "auth_ref": [
      "r279",
      "r521",
      "r1190"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Less than Twelve Months, Unrealized Loss",
        "label": "Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss",
        "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in continuous unrealized loss position for less than 12 months, without allowance for credit loss. Includes beneficial interest in securitized financial asset."
       }
      }
     },
     "auth_ref": [
      "r279",
      "r521"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleExcludingAccruedInterest",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails": {
       "parentTag": "us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "netLabel": "Debt Securities available-for-sale ($2,822 and $434 pledged at December\u00a031, 2023 and December\u00a031, 2022, respectively)",
        "terseLabel": "Fair Value",
        "verboseLabel": "Total debt securities available for sale",
        "label": "Debt Securities, Available-for-Sale, Excluding Accrued Interest",
        "documentation": "Amount excluding accrued interest, of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r1438"
     ]
    },
    "fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Amortized Cost",
        "label": "Debt Securities, Available For Sale, Excluding Interest and Equity Securities",
        "documentation": "Debt Securities, Available For Sale, Excluding Interest and Equity Securities"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total securities",
        "terseLabel": "Fair Value",
        "label": "Debt Securities, Available For Sale, Excluding Interest and Equity Securities, Current",
        "documentation": "Debt Securities, Available For Sale, Excluding Interest and Equity Securities, Current"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DebtSecuritiesAvailableForSaleMeasurementInput": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleMeasurementInput",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Label CMOs, measurement input",
        "label": "Debt Securities, Available-for-Sale, Measurement Input",
        "documentation": "Value of input used to measure investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r785"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleRealizedGain": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleRealizedGain",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesRealizedGainLossDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross realized gains",
        "label": "Debt Securities, Available-for-Sale, Realized Gain",
        "documentation": "Amount of realized gain on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r473"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleRealizedLoss",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesRealizedGainLossDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross realized losses",
        "label": "Debt Securities, Available-for-Sale, Realized Loss",
        "documentation": "Amount of realized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r473"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleRestricted": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleRestricted",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pledged investment securities",
        "label": "Debt Securities, Available-for-Sale, Restricted",
        "documentation": "Amount of restricted investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r860",
      "r1152",
      "r1153"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleTable",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Available-for-sale Securities [Table]",
        "label": "Debt Securities, Available-for-Sale [Table]",
        "documentation": "Disclosure of information about investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r442",
      "r443",
      "r444",
      "r445",
      "r446",
      "r447",
      "r448",
      "r450",
      "r451",
      "r452",
      "r453",
      "r454"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleUnrealizedLossPosition",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Fair Value",
        "label": "Debt Securities, Available-for-Sale, Unrealized Loss Position",
        "documentation": "Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position without allowance for credit loss."
       }
      }
     },
     "auth_ref": [
      "r277",
      "r519",
      "r1190"
     ]
    },
    "us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Unrealized Loss",
        "label": "Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss",
        "documentation": "Amount of accumulated unrealized loss on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), in unrealized loss position, without allowance for credit loss. Includes beneficial interest in securitized financial asset."
       }
      }
     },
     "auth_ref": [
      "r278",
      "r520"
     ]
    },
    "us-gaap_DebtSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DebtSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Securities",
        "verboseLabel": "Other Debt Securities Available for Sale:",
        "label": "Debt Securities [Member]",
        "documentation": "Debt instrument issued by corporations, governments and governmental agencies, municipalities, and other institutions."
       }
      }
     },
     "auth_ref": [
      "r88",
      "r1217",
      "r1539"
     ]
    },
    "fbc_DecreaseInDebtSecuritiesTrading": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DecreaseInDebtSecuritiesTrading",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 14.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from sales of securities held for trading",
        "label": "Decrease in Debt Securities, Trading",
        "documentation": "Decrease in Debt Securities, Trading"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredFederalIncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredFederalIncomeTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal \u2013 deferred",
        "label": "Deferred Federal Income Tax Expense (Benefit)",
        "documentation": "Amount of deferred federal tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred national tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1387",
      "r1480",
      "r1481"
     ]
    },
    "us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredFederalStateAndLocalTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total deferred",
        "label": "Deferred Federal, State and Local, Tax Expense (Benefit)",
        "documentation": "Amount of deferred federal, state, and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred national, regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1476"
     ]
    },
    "us-gaap_DeferredIncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredIncomeTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferred tax expense",
        "label": "Deferred Income Tax Expense (Benefit)",
        "documentation": "Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations."
       }
      }
     },
     "auth_ref": [
      "r16",
      "r235",
      "r292",
      "r749",
      "r750",
      "r1387"
     ]
    },
    "us-gaap_DeferredIncomeTaxLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredIncomeTaxLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxLiabilities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTotalLabel": "Gross deferred tax liabilities",
        "label": "Deferred Tax Liabilities, Gross",
        "documentation": "Amount of deferred tax liability attributable to taxable temporary differences."
       }
      }
     },
     "auth_ref": [
      "r183",
      "r184",
      "r250",
      "r739"
     ]
    },
    "us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredStateAndLocalIncomeTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "us-gaap_DeferredFederalStateAndLocalTaxExpenseBenefit",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "State and local \u2013 deferred",
        "label": "Deferred State and Local Income Tax Expense (Benefit)",
        "documentation": "Amount of deferred state and local tax expense (benefit) attributable to income (loss) from continuing operations. Includes, but is not limited to, deferred regional, territorial, and provincial tax expense (benefit) for non-US (United States of America) jurisdiction."
       }
      }
     },
     "auth_ref": [
      "r1387",
      "r1480",
      "r1481"
     ]
    },
    "fbc_DeferredTaxAssetsAccruedExpenses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxAssetsAccruedExpenses",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued Expenses",
        "label": "Deferred Tax Assets, Accrued Expenses",
        "documentation": "Deferred Tax Assets, Accrued Expenses"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquisition accounting and fair value adjustments on loans",
        "label": "Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Loans",
        "documentation": "Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Loans"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquisition accounting and fair value adjustments on securities (including OTTI)",
        "label": "Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Securities",
        "documentation": "Deferred Tax Assets, Acquisition Accounting And Fair Value Adjustments On Securities"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DeferredTaxAssetsCapitalizedLoanCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxAssetsCapitalizedLoanCosts",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 10.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Capitalized loan costs",
        "label": "Deferred Tax Assets, Capitalized Loan Costs",
        "documentation": "Deferred Tax Assets, Capitalized Loan Costs"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Capitalized research and development costs",
        "label": "Deferred Tax Assets, Deferred Expense, Capitalized Research And Development Costs",
        "documentation": "Deferred Tax Assets, Deferred Expense, Capitalized Research And Development Costs"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredTaxAssetsGross": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxAssetsGross",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsLiabilitiesNet",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Gross deferred tax assets",
        "label": "Deferred Tax Assets, Gross",
        "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards."
       }
      }
     },
     "auth_ref": [
      "r740"
     ]
    },
    "us-gaap_DeferredTaxAssetsLiabilitiesNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxAssetsLiabilitiesNet",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxLiabilities",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net deferred tax asset after valuation allowance",
        "label": "Deferred Tax Assets, Net",
        "documentation": "Amount, after allocation of valuation allowances and deferred tax liability, of deferred tax asset attributable to deductible differences and carryforwards, without jurisdictional netting."
       }
      }
     },
     "auth_ref": [
      "r1478"
     ]
    },
    "us-gaap_DeferredTaxAssetsOperatingLossCarryforwards": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxAssetsOperatingLossCarryforwards",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails",
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net operating loss carryforwards",
        "label": "Deferred Tax Assets, Operating Loss Carryforwards",
        "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible operating loss carryforwards."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "us-gaap_DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total state net operating loss carryforwards",
        "label": "Deferred Tax Assets, Operating Loss Carryforwards, State and Local",
        "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible state and local operating loss carryforwards."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "us-gaap_DeferredTaxAssetsOther": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxAssetsOther",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other",
        "label": "Deferred Tax Assets, Other",
        "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences, classified as other."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "fbc_DeferredTaxAssetsRightOfUseLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxAssetsRightOfUseLiability",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Right of Use Liability",
        "label": "Deferred Tax Assets, Right Of Use Liability",
        "documentation": "Deferred Tax Assets, Right Of Use Liability"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation and related benefit obligations",
        "label": "Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits",
        "documentation": "Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from compensation and benefits costs."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsGross",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Allowance for credit losses on loans and leases",
        "label": "Deferred Tax Asset, Tax Deferred Expense, Reserve and Accrual, Financing Receivable, Allowance for Credit Loss",
        "documentation": "Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary difference from allowance for credit loss on financing receivable."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "us-gaap_DeferredTaxAssetsValuationAllowance": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxAssetsValuationAllowance",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredTaxAssetsLiabilitiesNet",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails",
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Valuation allowance",
        "terseLabel": "Valuation allowance",
        "label": "Deferred Tax Assets, Valuation Allowance",
        "documentation": "Amount of deferred tax assets for which it is more likely than not that a tax benefit will not be realized."
       }
      }
     },
     "auth_ref": [
      "r741"
     ]
    },
    "us-gaap_DeferredTaxLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTotalLabel": "Net deferred tax liability",
        "label": "Deferred Tax Liabilities, Net",
        "documentation": "Amount, after deferred tax asset, of deferred tax liability attributable to taxable differences without jurisdictional netting."
       }
      }
     },
     "auth_ref": [
      "r112",
      "r1478"
     ]
    },
    "fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Acquisition accounting and fair value adjustments on debt",
        "label": "Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Debt",
        "documentation": "Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Debt"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Acquisition accounting and fair value adjustments on deposits",
        "label": "Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Deposits",
        "documentation": "Deferred Tax Liabilities, Acquisition Accounting And Fair Value Adjustments On Deposits"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DeferredTaxLiabilitiesDeferredLoanFees": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxLiabilitiesDeferredLoanFees",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Deferred Loan fees",
        "label": "Deferred Tax Liabilities, Deferred Loan Fees",
        "documentation": "Deferred Tax Liabilities, Deferred Loan Fees"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DeferredTaxLiabilitiesFairValueAdjustmentOnLoans": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxLiabilitiesFairValueAdjustmentOnLoans",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Fair value adjustments on loans",
        "label": "Deferred Tax Liabilities, Fair Value Adjustment On Loans",
        "documentation": "Deferred Tax Liabilities, Fair Value Adjustment On Loans"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Amortizable intangibles",
        "label": "Deferred Tax Liabilities, Intangible Assets",
        "documentation": "Amount of deferred tax liability attributable to taxable temporary differences from intangible assets other than goodwill."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "us-gaap_DeferredTaxLiabilitiesLeasingArrangements": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxLiabilitiesLeasingArrangements",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Leases",
        "label": "Deferred Tax Liabilities, Leasing Arrangements",
        "documentation": "Amount of deferred tax liability attributable to taxable temporary differences from leasing arrangements."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "us-gaap_DeferredTaxLiabilitiesMortgageServicingRights": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxLiabilitiesMortgageServicingRights",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 10.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Mortgage servicing rights",
        "label": "Deferred Tax Liabilities, Mortgage Servicing Rights",
        "documentation": "Amount of deferred tax liability attributable to taxable temporary differences from mortgage servicing rights."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "us-gaap_DeferredTaxLiabilitiesOther": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxLiabilitiesOther",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Other",
        "label": "Deferred Tax Liabilities, Other",
        "documentation": "Amount of deferred tax liability attributable to taxable temporary differences classified as other."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "us-gaap_DeferredTaxLiabilitiesPrepaidExpenses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxLiabilitiesPrepaidExpenses",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Prepaid pension cost",
        "label": "Deferred Tax Liabilities, Prepaid Expenses",
        "documentation": "Amount of deferred tax consequences attributable to taxable temporary differences derived from prepaid expenses."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxLiabilitiesPropertyPlantAndEquipment",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Premises and equipment",
        "label": "Deferred Tax Liabilities, Property, Plant and Equipment",
        "documentation": "Amount of deferred tax liability attributable to taxable temporary differences from property, plant, and equipment."
       }
      }
     },
     "auth_ref": [
      "r113",
      "r1479"
     ]
    },
    "fbc_DeferredTaxLiabilitiesRightOfUseAsset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DeferredTaxLiabilitiesRightOfUseAsset",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails": {
       "parentTag": "us-gaap_DeferredIncomeTaxLiabilities",
       "weight": 1.0,
       "order": 11.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesDeferredTaxAssetsandLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Right of Use Asset",
        "label": "Deferred Tax Liabilities, Right of Use Asset",
        "documentation": "Deferred Tax Liabilities, Right of Use Asset"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal deferred tax liability, bad debt reserve",
        "label": "Deferred Tax Liability Not Recognized, Amount of Unrecognized Deferred Tax Liability, Bad Debt Reserve for Tax Purposes of Qualified Lender",
        "documentation": "Amount of deferred tax liability not recognized because of the exceptions to comprehensive recognition of deferred taxes related to bad debt reserve for tax purposes of a qualified lender."
       }
      }
     },
     "auth_ref": [
      "r25"
     ]
    },
    "us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total accumulated other comprehensive loss (pre-tax)",
        "label": "Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, before Tax",
        "documentation": "Amount, before tax, of accumulated other comprehensive (income) loss for defined benefit plan, that has not been recognized in net periodic benefit cost (credit)."
       }
      }
     },
     "auth_ref": [
      "r8",
      "r53",
      "r1471"
     ]
    },
    "us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails": {
       "parentTag": "us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Actuarial (gain) loss, net",
        "label": "Defined Benefit Plan, Accumulated Other Comprehensive Income (Loss), Gain (Loss), before Tax",
        "documentation": "Amount, before tax, of accumulated other comprehensive income (loss) for gain (loss) of defined benefit plan, that has not been recognized in net periodic benefit (cost) credit."
       }
      }
     },
     "auth_ref": [
      "r53",
      "r644"
     ]
    },
    "us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails": {
       "parentTag": "us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Prior service cost",
        "label": "Defined Benefit Plan, Accumulated Other Comprehensive (Income) Loss, Prior Service Cost (Credit), before Tax",
        "documentation": "Amount, before tax, of accumulated other comprehensive (income) loss for cost (credit) of benefit change attributable to participants' prior service from plan amendment or plan initiation of defined benefit plan, that has not been recognized in net periodic benefit cost (credit)."
       }
      }
     },
     "auth_ref": [
      "r53",
      "r644"
     ]
    },
    "us-gaap_DefinedBenefitPlanActualReturnOnPlanAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanActualReturnOnPlanAssets",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Actual return (loss) on plan assets",
        "label": "Defined Benefit Plan, Plan Assets, Increase (Decrease) for Actual Return (Loss)",
        "documentation": "Amount of increase (decrease) in plan assets of defined benefit plan from actual return (loss) determined by change in fair value of plan assets adjusted for contributions, benefit payments, and other expenses."
       }
      }
     },
     "auth_ref": [
      "r614",
      "r1201"
     ]
    },
    "us-gaap_DefinedBenefitPlanActuarialGainLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanActuarialGainLoss",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Actuarial gain",
        "label": "Defined Benefit Plan, Benefit Obligation, Actuarial Gain (Loss)",
        "documentation": "Amount of gain (loss) from change in actuarial assumptions which (increases) decreases benefit obligation of defined benefit plan. Assumptions include, but are not limited to, interest, mortality, employee turnover, salary, and temporary deviation from substantive plan."
       }
      }
     },
     "auth_ref": [
      "r607"
     ]
    },
    "us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAmortizationOfGainsLosses",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails": {
       "parentTag": "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Amortization of net actuarial loss",
        "label": "Defined Benefit Plan, Amortization of Gain (Loss)",
        "documentation": "Amount of gain (loss) recognized in net periodic benefit (cost) credit of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r601",
      "r639",
      "r661",
      "r1201",
      "r1202"
     ]
    },
    "us-gaap_DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeAbstract",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Changes recognized in other comprehensive income for the year ended December 31:",
        "label": "Defined Benefit Plan, Amounts Recognized in Other Comprehensive Income (Loss) [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Discount rate",
        "label": "Defined Benefit Plan, Assumptions Used Calculating Benefit Obligation, Discount Rate",
        "documentation": "Weighted average rate for present value of future retirement benefits cash flows, used to determine benefit obligation of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r645"
     ]
    },
    "us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Long-term inflation rate",
        "label": "Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Change Due to Subsequent Interim Measurement, Weighted-Average Expected Long-Term Rate of Return on Plan Assets",
        "documentation": "Weighted average rate of return on plan assets, used to determine net periodic benefit cost (credit) of defined benefit plan, in subsequent interim measurement."
       }
      }
     },
     "auth_ref": [
      "r666"
     ]
    },
    "us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Discount rate",
        "label": "Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Discount Rate",
        "documentation": "Weighted average rate for present value of future retirement benefits cash flows, used to determine net periodic benefit cost of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r645"
     ]
    },
    "us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expected rate of return on plan assets",
        "label": "Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Expected Long-Term Rate of Return on Plan Assets",
        "documentation": "Weighted average rate of return on plan assets, reflecting average rate of earnings expected on existing plan assets and expected contributions, used to determine net periodic benefit cost of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r647",
      "r666"
     ]
    },
    "us-gaap_DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation increase percentage",
        "label": "Defined Benefit Plan, Assumptions Used Calculating Net Periodic Benefit Cost, Rate of Compensation Increase",
        "documentation": "Weighted average rate of compensation increase used to determine net periodic benefit cost of defined benefit plan. Plan includes, but is not limited to, pay-related defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r646"
     ]
    },
    "us-gaap_DefinedBenefitPlanBenefitObligation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanBenefitObligation",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Benefit obligation at beginning of year",
        "periodEndLabel": "Benefit obligation at end of year",
        "label": "Defined Benefit Plan, Benefit Obligation",
        "documentation": "Amount of actuarial present value of benefits attributed to service rendered by employee for defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r602"
     ]
    },
    "us-gaap_DefinedBenefitPlanBenefitObligationBenefitsPaid": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanBenefitObligationBenefitsPaid",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Annuity payments",
        "label": "Defined Benefit Plan, Benefit Obligation, Benefits Paid",
        "documentation": "Amount of payment to participant of defined benefit plan which decreases benefit obligation. For pension plan, payment includes, but is not limited to, pension benefits and death benefits. For other postretirement plan, payment includes, but is not limited to, prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services."
       }
      }
     },
     "auth_ref": [
      "r609",
      "r669"
     ]
    },
    "us-gaap_DefinedBenefitPlanByPlanAssetCategoriesAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanByPlanAssetCategoriesAxis",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Plan Assets, Category [Axis]",
        "label": "Defined Benefit Plan, Plan Assets, Category [Axis]",
        "documentation": "Information by defined benefit plan asset investment."
       }
      }
     },
     "auth_ref": [
      "r623",
      "r624",
      "r626",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r650",
      "r1199",
      "r1200",
      "r1201"
     ]
    },
    "us-gaap_DefinedBenefitPlanCashAndCashEquivalentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanCashAndCashEquivalentsMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Money market",
        "terseLabel": "Cash equivalents",
        "label": "Defined Benefit Plan, Cash and Cash Equivalents [Member]",
        "documentation": "Cash and cash equivalent in which defined benefit plan asset is invested."
       }
      }
     },
     "auth_ref": [
      "r1199"
     ]
    },
    "us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanChangeInBenefitObligationRollForward",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in Benefit Obligation:",
        "label": "Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanChangeInFairValueOfPlanAssetsRollForward",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in Plan Assets:",
        "label": "Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Large cap value",
        "label": "Defined Benefit Plan, Collective Trust Equity Securities, Large Cap Value [Member]",
        "documentation": "Defined Benefit Plan, Collective Trust Equity Securities, Large Cap Value"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanContributionsByEmployer": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanContributionsByEmployer",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Employer contribution",
        "label": "Defined Benefit Plan, Plan Assets, Contributions by Employer",
        "documentation": "Amount of contribution received by defined benefit plan from employer which increases plan assets."
       }
      }
     },
     "auth_ref": [
      "r616",
      "r626",
      "r665",
      "r1199",
      "r1200",
      "r1201",
      "r1202"
     ]
    },
    "fbc_DefinedBenefitPlanCurrentMedicalTrendRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanCurrentMedicalTrendRate",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Current medical trend rate",
        "label": "Defined Benefit Plan, Current Medical Trend Rate",
        "documentation": "Defined Benefit Plan, Current Medical Trend Rate"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanDebtSecurityMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanDebtSecurityMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt securities",
        "label": "Defined Benefit Plan, Debt Security [Member]",
        "documentation": "Debt instrument issued by corporation, government and governmental agency, municipality, and other institution; in which defined benefit plan asset is invested."
       }
      }
     },
     "auth_ref": [
      "r1469"
     ]
    },
    "us-gaap_DefinedBenefitPlanDisclosureLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanDisclosureLineItems",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan Disclosure [Line Items]",
        "label": "Defined Benefit Plan Disclosure [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DefinedBenefitPlanEquityLargeCapCoreMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanEquityLargeCapCoreMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Large-cap core",
        "label": "Defined Benefit Plan, Equity, Large Cap Core [Member]",
        "documentation": "Defined Benefit Plan, Equity, Large Cap Core"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DefinedBenefitPlanEquityLargeCapGrowthMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanEquityLargeCapGrowthMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Large-cap growth",
        "label": "Defined Benefit Plan, Equity, Large Cap Growth [Member]",
        "documentation": "Defined Benefit Plan, Equity, Large Cap Growth"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DefinedBenefitPlanEquityLargeCapValueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanEquityLargeCapValueMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Large-cap value",
        "label": "Defined Benefit Plan, Equity, Large Cap Value [Member]",
        "documentation": "Defined Benefit Plan, Equity, Large Cap Value"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DefinedBenefitPlanEquityMidCapCoreMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanEquityMidCapCoreMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mid-cap core",
        "label": "Defined Benefit Plan, Equity, Mid Cap Core [Member]",
        "documentation": "Defined Benefit Plan, Equity, Mid Cap Core"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DefinedBenefitPlanEquityNonUSGrowthMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanEquityNonUSGrowthMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "International growth",
        "label": "Defined Benefit Plan, Equity, Non-US, Growth [Member]",
        "documentation": "Defined Benefit Plan, Equity, Non-US, Growth"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DefinedBenefitPlanEquityNonUSValueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanEquityNonUSValueMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "International value",
        "label": "Defined Benefit Plan, Equity, Non-US, Value [Member]",
        "documentation": "Defined Benefit Plan, Equity, Non-US, Value"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanEquitySecuritiesCommonStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanEquitySecuritiesCommonStockMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Company common stock",
        "label": "Defined Benefit Plan, Equity Securities, Common Stock [Member]",
        "documentation": "Security representing ownership in corporation or other legal entity, for which ownership is represented by share of common stock; in which defined benefit plan asset is invested."
       }
      }
     },
     "auth_ref": [
      "r1469"
     ]
    },
    "us-gaap_DefinedBenefitPlanEquitySecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanEquitySecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity securities",
        "label": "Defined Benefit Plan, Equity Securities [Member]",
        "documentation": "Security representing ownership in corporation or other legal entity for which ownership is represented by share of stock, in which defined benefit plan asset is invested. Includes, but is not limited to, common stock, preferred stock, convertible security, stock right and stock warrant."
       }
      }
     },
     "auth_ref": [
      "r1199",
      "r1201"
     ]
    },
    "us-gaap_DefinedBenefitPlanEquitySecuritiesNonUsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanEquitySecuritiesNonUsMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-U.S.",
        "label": "Defined Benefit Plan, Equity Securities, Non-US [Member]",
        "documentation": "Security representing ownership in corporation or other legal entity, not domiciled in United States of America (US), for which ownership is represented by share of stock; in which defined benefit plan asset is invested. Includes, but is not limited to, common stock, preferred stock, convertible security, stock right and stock warrant."
       }
      }
     },
     "auth_ref": [
      "r1199",
      "r1200",
      "r1201"
     ]
    },
    "us-gaap_DefinedBenefitPlanEquitySecuritiesUsLargeCapMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanEquitySecuritiesUsLargeCapMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "U.S. Large-Cap",
        "label": "Defined Benefit Plan, Equity Securities, US, Large Cap [Member]",
        "documentation": "Security representing ownership in corporation or other legal entity, domiciled in United States of America (US), classified as having large market capitalization, for which ownership is represented by share of stock; in which defined benefit plan asset is invested. Includes, but is not limited to, common stock, preferred stock, convertible security, stock right and stock warrant."
       }
      }
     },
     "auth_ref": [
      "r1201",
      "r1469"
     ]
    },
    "us-gaap_DefinedBenefitPlanEquitySecuritiesUsMidCapMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanEquitySecuritiesUsMidCapMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "U.S. Mid-Cap",
        "label": "Defined Benefit Plan, Equity Securities, US, Mid Cap [Member]",
        "documentation": "Security representing ownership in corporation or other legal entity, domiciled in United States of America (US), classified as having medium market capitalization, for which ownership is represented by share of stock; in which defined benefit plan asset is invested. Includes, but is not limited to, common stock, preferred stock, convertible security, stock right and stock warrant."
       }
      }
     },
     "auth_ref": [
      "r1469"
     ]
    },
    "us-gaap_DefinedBenefitPlanEquitySecuritiesUsSmallCapMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanEquitySecuritiesUsSmallCapMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "U.S. Small-Cap",
        "label": "Defined Benefit Plan, Equity Securities, US, Small Cap [Member]",
        "documentation": "Security representing ownership in corporation or other legal entity, domiciled in United States of America (US), classified as having small market capitalization, for which ownership is represented by share of stock; in which defined benefit plan asset is invested. Includes, but is not limited to, common stock, preferred stock, convertible security, stock right and stock warrant."
       }
      }
     },
     "auth_ref": [
      "r1469"
     ]
    },
    "fbc_DefinedBenefitPlanEquitySmallCapCoreMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanEquitySmallCapCoreMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Small-cap core",
        "label": "Defined Benefit Plan, Equity, Small Cap Core [Member]",
        "documentation": "Defined Benefit Plan, Equity, Small Cap Core"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanExpectedAmortizationNextFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanExpectedAmortizationNextFiscalYear",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Expected Amortization, Next Fiscal Year",
        "label": "Defined Benefit Plan, Expected Amortization, Next Fiscal Year",
        "documentation": "Amount of cost (credit) included in accumulated other comprehensive (income) loss expected to be recognized in net periodic benefit cost (credit) for fiscal year following most recent annual statement of financial position."
       }
      }
     },
     "auth_ref": [
      "r1467"
     ]
    },
    "fbc_DefinedBenefitPlanExpectedFutureBenefitPayment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanExpectedFutureBenefitPayment",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total",
        "label": "Defined Benefit Plan, Expected Future Benefit Payment",
        "documentation": "Defined Benefit Plan, Expected Future Benefit Payment"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails": {
       "parentTag": "fbc_DefinedBenefitPlanExpectedFutureBenefitPayment",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2029 and thereafter",
        "label": "Defined Benefit Plan, Expected Future Benefit Payment, after Year Five for Next Five Years",
        "documentation": "Amount of benefit for defined benefit plan expected to be paid in five fiscal years after fifth fiscal year following current fiscal year."
       }
      }
     },
     "auth_ref": [
      "r633"
     ]
    },
    "us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails": {
       "parentTag": "fbc_DefinedBenefitPlanExpectedFutureBenefitPayment",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Expected Future Benefit Payment, Year One",
        "label": "Defined Benefit Plan, Expected Future Benefit Payment, Year One",
        "documentation": "Amount of benefit for defined benefit plan expected to be paid in next fiscal year following current fiscal year."
       }
      }
     },
     "auth_ref": [
      "r633"
     ]
    },
    "us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails": {
       "parentTag": "fbc_DefinedBenefitPlanExpectedFutureBenefitPayment",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2028",
        "label": "Defined Benefit Plan, Expected Future Benefit Payment, Year Five",
        "documentation": "Amount of benefit for defined benefit plan expected to be paid in fifth fiscal year following current fiscal year."
       }
      }
     },
     "auth_ref": [
      "r633"
     ]
    },
    "us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails": {
       "parentTag": "fbc_DefinedBenefitPlanExpectedFutureBenefitPayment",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2027",
        "label": "Defined Benefit Plan, Expected Future Benefit Payment, Year Four",
        "documentation": "Amount of benefit for defined benefit plan expected to be paid in fourth fiscal year following current fiscal year."
       }
      }
     },
     "auth_ref": [
      "r633"
     ]
    },
    "us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails": {
       "parentTag": "fbc_DefinedBenefitPlanExpectedFutureBenefitPayment",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2026",
        "label": "Defined Benefit Plan, Expected Future Benefit Payment, Year Three",
        "documentation": "Amount of benefit for defined benefit plan expected to be paid in third fiscal year following current fiscal year."
       }
      }
     },
     "auth_ref": [
      "r633"
     ]
    },
    "us-gaap_DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails": {
       "parentTag": "fbc_DefinedBenefitPlanExpectedFutureBenefitPayment",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2025",
        "label": "Defined Benefit Plan, Expected Future Benefit Payment, Year Two",
        "documentation": "Amount of benefit for defined benefit plan expected to be paid in second fiscal year following current fiscal year."
       }
      }
     },
     "auth_ref": [
      "r633"
     ]
    },
    "us-gaap_DefinedBenefitPlanExpectedReturnOnPlanAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanExpectedReturnOnPlanAssets",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails": {
       "parentTag": "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost",
       "weight": -1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Expected return on plan assets",
        "label": "Defined Benefit Plan, Expected Return (Loss) on Plan Assets",
        "documentation": "Amount of expected return (loss) recognized in net periodic benefit (cost) credit, calculated based on expected long-term rate of return and market-related value of plan assets of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r601",
      "r638",
      "r660",
      "r1201",
      "r1202"
     ]
    },
    "us-gaap_DefinedBenefitPlanFairValueOfPlanAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanFairValueOfPlanAssets",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Fair value of assets at beginning of year",
        "periodEndLabel": "Fair value of assets at end of year",
        "terseLabel": "Defined Benefit Plan, Plan Assets, Amount",
        "label": "Defined Benefit Plan, Plan Assets, Amount",
        "documentation": "Amount of asset segregated and restricted to provide benefit under defined benefit plan. Asset includes, but is not limited to, stock, bond, other investment, earning from investment, and contribution by employer and employee."
       }
      }
     },
     "auth_ref": [
      "r613",
      "r624",
      "r626",
      "r627",
      "r1199",
      "r1200",
      "r1201"
     ]
    },
    "fbc_DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total - Fixed Income/Cash Equivalents",
        "label": "Defined Benefit Plan, Fixed Income And Cash Equivalents [Member]",
        "documentation": "Defined Benefit Plan, Fixed Income And Cash Equivalents"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fixed Income Funds, Intermediate Core Plus",
        "label": "Defined Benefit Plan, Fixed Income, Intermediate Core Plus [Member]",
        "documentation": "Defined Benefit Plan, Fixed Income, Intermediate Core Plus"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_DefinedBenefitPlanFixedIncomeSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanFixedIncomeSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fixed income securities",
        "label": "Defined Benefit Plan, Fixed Income Securities [Member]",
        "documentation": "Defined Benefit Plan, Fixed Income Securities"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanFundedStatusOfPlan": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanFundedStatusOfPlan",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Funded status",
        "label": "Defined Benefit Plan, Funded (Unfunded) Status of Plan",
        "documentation": "Amount of funded (unfunded) status of defined benefit plan, measured as difference between fair value of plan assets and benefit obligation. Includes, but is not limited to, overfunded (underfunded) status."
       }
      }
     },
     "auth_ref": [
      "r600",
      "r622",
      "r1201"
     ]
    },
    "us-gaap_DefinedBenefitPlanInterestCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanInterestCost",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails": {
       "parentTag": "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest cost",
        "label": "Defined Benefit Plan, Interest Cost",
        "documentation": "Amount of cost recognized for passage of time related to defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r601",
      "r605",
      "r637",
      "r659",
      "r1201",
      "r1202"
     ]
    },
    "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanNetPeriodicBenefitCost",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Amortization of defined benefit pension plan items:",
        "terseLabel": "Defined Benefit Plan, Net Periodic Benefit Cost (Credit)",
        "totalLabel": "Net periodic pension credit",
        "label": "Defined Benefit Plan, Net Periodic Benefit Cost (Credit)",
        "documentation": "Amount of net periodic benefit cost (credit) for defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r635",
      "r657",
      "r1201",
      "r1202"
     ]
    },
    "us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanNetPeriodicBenefitCostAbstract",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Components of net periodic pension expense (credit):",
        "label": "Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanPlanAssetsAllocationTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanPlanAssetsAllocationTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Plan Assets, Allocation",
        "label": "Defined Benefit Plan, Plan Assets, Allocation [Table Text Block]",
        "documentation": "Tabular disclosure of investment allocation of defined benefit plan assets. Includes, but is not limited to, investment allocation percentage or range of percentages."
       }
      }
     },
     "auth_ref": [
      "r1468"
     ]
    },
    "us-gaap_DefinedBenefitPlanPlanAssetsBenefitsPaid": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanPlanAssetsBenefitsPaid",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Annuity payments",
        "label": "Defined Benefit Plan, Plan Assets, Benefits Paid",
        "documentation": "Amount of payment to participant under defined benefit plan which decreases plan assets. For pension plan, payment includes, but is not limited to, pension benefits and death benefits. For other postretirement plan, payment includes, but is not limited to, prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services."
       }
      }
     },
     "auth_ref": [
      "r618",
      "r1474"
     ]
    },
    "us-gaap_DefinedBenefitPlanPlanAssetsCategoryLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanPlanAssetsCategoryLineItems",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Plan Assets, Category [Line Items]",
        "label": "Defined Benefit Plan, Plan Assets, Category [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r624",
      "r626",
      "r631",
      "r1201"
     ]
    },
    "us-gaap_DefinedBenefitPlanPlanAssetsCategoryTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanPlanAssetsCategoryTable",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Plan Assets, Category [Table]",
        "label": "Defined Benefit Plan, Plan Assets, Category [Table]",
        "documentation": "Disclosure of information about defined benefit plan asset investment. Includes, but is not limited to, fair value of category of plan asset and its level within fair value hierarchy."
       }
      }
     },
     "auth_ref": [
      "r624",
      "r626",
      "r631",
      "r1201"
     ]
    },
    "us-gaap_DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Plan Assets, Investment within Plan Asset Category, Percentage",
        "label": "Defined Benefit Plan, Plan Assets, Investment within Plan Asset Category, Percentage",
        "documentation": "Percentage of investment to total investment within defined benefit plan asset category."
       }
      }
     },
     "auth_ref": [
      "r1201",
      "r1469"
     ]
    },
    "fbc_DefinedBenefitPlanPlanAssetsShares": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DefinedBenefitPlanPlanAssetsShares",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Plan Assets, Shares",
        "label": "Defined Benefit Plan, Plan Assets, Shares",
        "documentation": "Defined Benefit Plan, Plan Assets, Shares"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DefinedBenefitPlanPlanAssetsTargetAllocationPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanPlanAssetsTargetAllocationPercentage",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Asset Allocation Parameters by Asset Class",
        "label": "Defined Benefit Plan, Plan Assets, Target Allocation, Percentage",
        "documentation": "Percentage of target investment allocation to total plan assets. Includes, but is not limited to, percentage on weighted-average basis if more than one plan."
       }
      }
     },
     "auth_ref": [
      "r623",
      "r1201"
     ]
    },
    "us-gaap_DefinedBenefitPlanSettlementsBenefitObligation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanSettlementsBenefitObligation",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Settlements",
        "label": "Defined Benefit Plan, Benefit Obligation, (Increase) Decrease for Settlement",
        "documentation": "Amount of (increase) decrease to benefit obligation of defined benefit plan from irrevocable action relieving primary responsibility for benefit obligation and eliminating risk for obligation and assets used to effect settlement. Includes, but is not limited to, lump-sum cash payment to participant in exchange for right to receive specified benefits, purchase of nonparticipating annuity contract and change from remeasurement."
       }
      }
     },
     "auth_ref": [
      "r604"
     ]
    },
    "us-gaap_DefinedBenefitPlanSettlementsPlanAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanSettlementsPlanAssets",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Settlements",
        "label": "Defined Benefit Plan, Plan Assets, Payment for Settlement",
        "documentation": "Amount of payment, which decreases plan assets of defined benefit plan, for irrevocable action relieving primary responsibility for benefit obligation and eliminating risk for obligation and assets used to effect settlement. Transaction constituting settlement includes, but is not limited to, making lump-sum cash payment to participant in exchange for their rights to receive specified benefits and purchasing nonparticipating annuity contract."
       }
      }
     },
     "auth_ref": [
      "r621"
     ]
    },
    "us-gaap_DefinedBenefitPlanUltimateHealthCareCostTrendRate1": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanUltimateHealthCareCostTrendRate1",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Ultimate trend rate",
        "label": "Defined Benefit Plan, Ultimate Health Care Cost Trend Rate",
        "documentation": "Ultimate trend rate for health care cost for defined benefit postretirement plan."
       }
      }
     },
     "auth_ref": [
      "r649"
     ]
    },
    "us-gaap_DefinedBenefitPlanWeightedAverageAssetAllocations": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanWeightedAverageAssetAllocations",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Current allocations percentage",
        "label": "Defined Benefit Plan, Plan Assets, Actual Allocation, Percentage",
        "documentation": "Percentage of actual investment allocation to total plan assets. Includes, but is not limited to, percentage on weighted-average basis if more than one plan."
       }
      }
     },
     "auth_ref": [
      "r1468"
     ]
    },
    "us-gaap_DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate": {
     "xbrltype": "gYearListItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Year when ultimate trend rate will be reached",
        "label": "Defined Benefit Plan, Year Health Care Cost Trend Rate Reaches Ultimate Trend Rate",
        "documentation": "Year ultimate health care cost trend rate is expected to be reached, in YYYY format."
       }
      }
     },
     "auth_ref": [
      "r649"
     ]
    },
    "us-gaap_DefinedContributionPlanCostRecognized": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DefinedContributionPlanCostRecognized",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "401(k) plan contributions by employer",
        "label": "Defined Contribution Plan, Cost",
        "documentation": "Amount of cost for defined contribution plan."
       }
      }
     },
     "auth_ref": [
      "r670"
     ]
    },
    "us-gaap_DepositLiabilitiesDisclosuresTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DepositLiabilitiesDisclosuresTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/Deposits"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "label": "Deposit Liabilities Disclosures [Text Block]",
        "documentation": "The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity."
       }
      }
     },
     "auth_ref": [
      "r20",
      "r172",
      "r304",
      "r305"
     ]
    },
    "us-gaap_DepositLiabilitiesReclassifiedAsLoansReceivable1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DepositLiabilitiesReclassifiedAsLoansReceivable1",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits reclassified",
        "label": "Deposit Liabilities Reclassified as Loans Receivable",
        "documentation": "Amount of deposits held by the entity that have been reclassified as loan balances receivable, for example, but not limited to, overdrafts receivable."
       }
      }
     },
     "auth_ref": [
      "r24"
     ]
    },
    "us-gaap_DepositLiabilitiesTypeTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DepositLiabilitiesTypeTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DepositsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposit Liabilities, Type",
        "label": "Deposit Liabilities, Type [Table Text Block]",
        "documentation": "Tabular disclosure of type of deposit liability."
       }
      }
     },
     "auth_ref": [
      "r1349",
      "r1350",
      "r1351",
      "r1352",
      "r1353",
      "r1354",
      "r1355",
      "r1356",
      "r1357",
      "r1358",
      "r1359",
      "r1360",
      "r1361",
      "r1362",
      "r1363"
     ]
    },
    "fbc_DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock",
        "label": "Depositary Shares each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]",
        "documentation": "Fixed to floating rate series A noncumulative perpetual preferred stock."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_Deposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "Deposits",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Liabilities",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total deposits",
        "totalLabel": "Total deposits",
        "label": "Deposits",
        "documentation": "The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others."
       }
      }
     },
     "auth_ref": [
      "r172"
     ]
    },
    "us-gaap_DepositsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DepositsAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits:",
        "label": "Deposits [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DepositsAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DepositsAssets",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest-bearing deposits",
        "label": "Deposits Assets",
        "documentation": "Carrying value of amounts transferred to third parties for security purposes that are expected to be returned or applied towards payment in the future."
       }
      }
     },
     "auth_ref": [
      "r1370"
     ]
    },
    "us-gaap_DepositsDomesticAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DepositsDomesticAbstract",
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount",
        "label": "Deposits, Domestic [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DepositsFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DepositsFairValueDisclosure",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deposits",
        "label": "Deposits, Fair Value Disclosure",
        "documentation": "Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DepositsMoneyMarketDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DepositsMoneyMarketDeposits",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest-bearing checking and money market accounts",
        "label": "Deposits, Money Market Deposits",
        "documentation": "Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts."
       }
      }
     },
     "auth_ref": [
      "r172"
     ]
    },
    "us-gaap_DepositsSavingsDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DepositsSavingsDeposits",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": "us-gaap_Deposits",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Savings accounts",
        "label": "Deposits, Savings Deposits",
        "documentation": "Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs)."
       }
      }
     },
     "auth_ref": [
      "r172"
     ]
    },
    "us-gaap_Depreciation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "Depreciation",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Depreciation",
        "label": "Depreciation",
        "documentation": "The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation."
       }
      }
     },
     "auth_ref": [
      "r16",
      "r95"
     ]
    },
    "us-gaap_DerivativeAmountOfHedgedItem": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeAmountOfHedgedItem",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount of hedged item",
        "label": "Derivative, Amount of Hedged Item",
        "documentation": "Amount of hedged item in hedging relationship. Excludes hedged asset or liability."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeAssetFairValueGrossLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeAssetFairValueGrossLiability",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails": {
       "parentTag": "us-gaap_DerivativeAssets",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross Amounts Netted in the Statements of Condition",
        "label": "Derivative Asset, Subject to Master Netting Arrangement, Liability Offset",
        "documentation": "Fair value of liability associated with financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset."
       }
      }
     },
     "auth_ref": [
      "r35",
      "r42",
      "r142",
      "r1110",
      "r1112"
     ]
    },
    "us-gaap_DerivativeAssetNotionalAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeAssetNotionalAmount",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Notional amount",
        "terseLabel": "Notional Amount",
        "label": "Derivative Asset, Notional Amount",
        "documentation": "Nominal or face amount used to calculate payments on the derivative asset."
       }
      }
     },
     "auth_ref": [
      "r1100",
      "r1105",
      "r1108",
      "r1111",
      "r1482",
      "r1483",
      "r1484"
     ]
    },
    "us-gaap_DerivativeAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net Amount Presented in the Statements of Condition",
        "terseLabel": "Derivative assets",
        "label": "Derivative Asset",
        "documentation": "Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset."
       }
      }
     },
     "auth_ref": [
      "r335",
      "r338",
      "r794",
      "r982",
      "r983",
      "r984",
      "r986",
      "r987",
      "r989",
      "r990",
      "r991",
      "r993",
      "r994",
      "r1009",
      "r1010",
      "r1100",
      "r1106",
      "r1109",
      "r1110",
      "r1113",
      "r1114",
      "r1174",
      "r1217",
      "r1531"
     ]
    },
    "us-gaap_DerivativeAssetsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeAssetsAbstract",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Assets",
        "label": "Derivative Asset [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeCollateralObligationToReturnCash": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeCollateralObligationToReturnCash",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Cash Collateral Pledged (Received)",
        "label": "Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash Not Offset",
        "documentation": "Amount of obligation to return cash collateral under master netting arrangements that have not been offset against derivative assets."
       }
      }
     },
     "auth_ref": [
      "r41",
      "r153",
      "r336",
      "r1172"
     ]
    },
    "us-gaap_DerivativeCollateralObligationToReturnSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeCollateralObligationToReturnSecurities",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Instruments",
        "label": "Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Security Not Offset",
        "documentation": "Amount of obligation to return securities collateral under master netting arrangements that have not been offset against derivative assets."
       }
      }
     },
     "auth_ref": [
      "r41",
      "r336",
      "r1172"
     ]
    },
    "us-gaap_DerivativeCollateralRightToReclaimCash": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeCollateralRightToReclaimCash",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash Collateral Pledged (Received)",
        "label": "Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Cash Not Offset",
        "documentation": "Amount of right to receive cash collateral under master netting arrangements that have not been offset against derivative liabilities."
       }
      }
     },
     "auth_ref": [
      "r41",
      "r153",
      "r336",
      "r1172"
     ]
    },
    "us-gaap_DerivativeCollateralRightToReclaimSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeCollateralRightToReclaimSecurities",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Instruments",
        "label": "Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Security Not Offset",
        "documentation": "Amount of right to receive securities collateral under master netting arrangements that have not been offset against derivative liabilities."
       }
      }
     },
     "auth_ref": [
      "r41",
      "r336",
      "r1172"
     ]
    },
    "us-gaap_DerivativeContractTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeContractTypeDomain",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Contract [Domain]",
        "label": "Derivative Contract [Domain]",
        "documentation": "Financial instrument or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset."
       }
      }
     },
     "auth_ref": [
      "r991",
      "r994",
      "r1008",
      "r1009",
      "r1010",
      "r1011",
      "r1012",
      "r1013",
      "r1014",
      "r1016",
      "r1017",
      "r1018",
      "r1019",
      "r1033",
      "r1034",
      "r1035",
      "r1036",
      "r1039",
      "r1040",
      "r1041",
      "r1042",
      "r1100",
      "r1102",
      "r1109",
      "r1113",
      "r1215",
      "r1217"
     ]
    },
    "us-gaap_DerivativeFairValueOfDerivativeAsset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeFairValueOfDerivativeAsset",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails": {
       "parentTag": "us-gaap_DerivativeAssets",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Fair Value",
        "terseLabel": "Gross Amount",
        "label": "Derivative Asset, Subject to Master Netting Arrangement, before Offset",
        "documentation": "Fair value, before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets elected not to be offset. Excludes assets not subject to a master netting arrangement."
       }
      }
     },
     "auth_ref": [
      "r37",
      "r142",
      "r194",
      "r334",
      "r1174"
     ]
    },
    "us-gaap_DerivativeFairValueOfDerivativeLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeFairValueOfDerivativeLiability",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails": {
       "parentTag": "us-gaap_DerivativeLiabilities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Fair Value",
        "terseLabel": "Gross Amount",
        "label": "Derivative Liability, Subject to Master Netting Arrangement, before Offset",
        "documentation": "Fair value, before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities elected not to be offset. Excludes liabilities not subject to a master netting arrangement."
       }
      }
     },
     "auth_ref": [
      "r37",
      "r142",
      "r194",
      "r334",
      "r1174"
     ]
    },
    "us-gaap_DerivativeInstrumentRiskAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeInstrumentRiskAxis",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Instrument [Axis]",
        "label": "Derivative Instrument [Axis]",
        "documentation": "Information by type of derivative contract."
       }
      }
     },
     "auth_ref": [
      "r140",
      "r143",
      "r145",
      "r149",
      "r991",
      "r994",
      "r1008",
      "r1009",
      "r1010",
      "r1011",
      "r1012",
      "r1013",
      "r1014",
      "r1016",
      "r1017",
      "r1018",
      "r1019",
      "r1033",
      "r1034",
      "r1035",
      "r1036",
      "r1039",
      "r1040",
      "r1041",
      "r1042",
      "r1100",
      "r1102",
      "r1109",
      "r1113",
      "r1174",
      "r1215",
      "r1217"
     ]
    },
    "us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Instruments and Hedging Activities Disclosure [Abstract]",
        "label": "Derivative Instruments and Hedging Activities Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivities"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Derivative and Hedging Activities",
        "label": "Derivative Instruments and Hedging Activities Disclosure [Text Block]",
        "documentation": "The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts."
       }
      }
     },
     "auth_ref": [
      "r241",
      "r767",
      "r775"
     ]
    },
    "us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeInstrumentsGainLossByHedgingRelationshipAxis",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedging Relationship [Axis]",
        "label": "Hedging Relationship [Axis]",
        "documentation": "Information by type of hedging relationship."
       }
      }
     },
     "auth_ref": [
      "r32",
      "r140",
      "r145"
     ]
    },
    "us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Instruments, Gain (Loss) [Table]",
        "label": "Derivative Instruments, Gain (Loss) [Table]",
        "documentation": "Disclosure of information about the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments."
       }
      }
     },
     "auth_ref": [
      "r32",
      "r140",
      "r145",
      "r149",
      "r154",
      "r155",
      "r765"
     ]
    },
    "us-gaap_DerivativeInstrumentsGainLossLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeInstrumentsGainLossLineItems",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Instruments, Gain (Loss) [Line Items]",
        "label": "Derivative Instruments, Gain (Loss) [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r765"
     ]
    },
    "us-gaap_DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount of gain (loss) recognized in AOCL",
        "label": "Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net",
        "documentation": "Amount of realized and unrealized gain (loss) of derivative instruments not designated or qualifying as hedging instruments."
       }
      }
     },
     "auth_ref": [
      "r148",
      "r1333"
     ]
    },
    "us-gaap_DerivativeLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails": {
       "parentTag": "us-gaap_LiabilitiesFairValueDisclosure",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net Amount Presented in the Statements of Condition",
        "terseLabel": "Derivative liabilities",
        "verboseLabel": "Rate lock commitments (net)",
        "label": "Derivative Liability",
        "documentation": "Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset."
       }
      }
     },
     "auth_ref": [
      "r335",
      "r338",
      "r794",
      "r982",
      "r983",
      "r984",
      "r986",
      "r989",
      "r990",
      "r991",
      "r993",
      "r994",
      "r1016",
      "r1018",
      "r1019",
      "r1102",
      "r1103",
      "r1106",
      "r1109",
      "r1110",
      "r1113",
      "r1114",
      "r1174",
      "r1531"
     ]
    },
    "us-gaap_DerivativeLiabilitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeLiabilitiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Liabilities",
        "label": "Derivative Liability [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativeLiabilityFairValueGrossAsset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeLiabilityFairValueGrossAsset",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails": {
       "parentTag": "us-gaap_DerivativeLiabilities",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross Amounts Netted in the Statements of Condition",
        "label": "Derivative Liability, Subject to Master Netting Arrangement, Asset Offset",
        "documentation": "Fair value of asset associated with financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset."
       }
      }
     },
     "auth_ref": [
      "r35",
      "r42",
      "r142",
      "r1110",
      "r1112",
      "r1172"
     ]
    },
    "us-gaap_DerivativeLiabilityMeasurementInput": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeLiabilityMeasurementInput",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rate lock commitments (net), measurement input",
        "label": "Derivative Liability, Measurement Input",
        "documentation": "Value of input used to measure derivative liability."
       }
      }
     },
     "auth_ref": [
      "r785"
     ]
    },
    "us-gaap_DerivativeLiabilityNotionalAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeLiabilityNotionalAmount",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Notional Amount",
        "label": "Derivative Liability, Notional Amount",
        "documentation": "Nominal or face amount used to calculate payments on the derivative liability."
       }
      }
     },
     "auth_ref": [
      "r1101",
      "r1105",
      "r1107",
      "r1111",
      "r1482",
      "r1483",
      "r1484"
     ]
    },
    "us-gaap_DerivativeNotionalAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativeNotionalAmount",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative, notional amount",
        "label": "Derivative, Notional Amount",
        "documentation": "Nominal or face amount used to calculate payment on derivative."
       }
      }
     },
     "auth_ref": [
      "r1483",
      "r1484"
     ]
    },
    "us-gaap_DerivativesFairValueLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativesFairValueLineItems",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivatives, Fair Value [Line Items]",
        "label": "Derivatives, Fair Value [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DerivativesPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DerivativesPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivative Instruments and Hedging Activities",
        "label": "Derivatives, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for its derivative instruments and hedging activities."
       }
      }
     },
     "auth_ref": [
      "r32",
      "r133",
      "r134",
      "r138",
      "r151",
      "r376"
     ]
    },
    "us-gaap_DesignatedAsHedgingInstrumentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DesignatedAsHedgingInstrumentMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivatives designated as cash flow hedging instruments:",
        "label": "Designated as Hedging Instrument [Member]",
        "documentation": "Derivative instrument designated as hedging instrument under Generally Accepted Accounting Principles (GAAP)."
       }
      }
     },
     "auth_ref": [
      "r32"
     ]
    },
    "us-gaap_DirectFinancingLeaseInterestIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DirectFinancingLeaseInterestIncome",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/LeasesComponentsofLeaseIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest income on lease financing",
        "label": "Direct Financing Lease, Interest Income",
        "documentation": "Amount of interest income from net investment in direct financing lease."
       }
      }
     },
     "auth_ref": [
      "r409",
      "r827"
     ]
    },
    "us-gaap_DirectFinancingLeaseLeaseIncomeTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DirectFinancingLeaseLeaseIncomeTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Components of Lease Income",
        "label": "Direct Financing Lease, Lease Income [Table Text Block]",
        "documentation": "Tabular disclosure of components of lease income from direct financing lease."
       }
      }
     },
     "auth_ref": [
      "r409",
      "r826"
     ]
    },
    "us-gaap_DirectFinancingLeaseLeaseReceivable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DirectFinancingLeaseLeaseReceivable",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails": {
       "parentTag": "us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net investment in the lease - lease payments receivable",
        "label": "Direct Financing Lease, Lease Receivable",
        "documentation": "Present value of lease payments not yet received by lessor and amount expected to be derived from underlying asset, following end of lease term, guaranteed by lessee or other third party unrelated to lessor, from direct financing lease."
       }
      }
     },
     "auth_ref": [
      "r828"
     ]
    },
    "us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails",
      "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Carrying value of net investment in leases",
        "totalLabel": "Total lease payments",
        "label": "Direct Financing Lease, Net Investment in Lease, after Allowance for Credit Loss",
        "documentation": "Amount, after allowance for credit loss, of net investment in direct financing lease."
       }
      }
     },
     "auth_ref": [
      "r1324"
     ]
    },
    "us-gaap_DirectFinancingLeaseResidualValueOfLeasedAsset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DirectFinancingLeaseResidualValueOfLeasedAsset",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Residual value of leased asset",
        "label": "Direct Financing Lease, Residual Value of Leased Asset",
        "documentation": "Amount of residual asset covered by residual value guarantee under direct financing lease. Excludes guarantee considered to be lease payments for lessor."
       }
      }
     },
     "auth_ref": [
      "r825"
     ]
    },
    "us-gaap_DirectFinancingLeaseUnguaranteedResidualAsset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DirectFinancingLeaseUnguaranteedResidualAsset",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails": {
       "parentTag": "us-gaap_DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesComponentsofNetInvestmentinDirectFinancingLeasesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net investment in the lease - unguaranteed residual assets",
        "label": "Direct Financing Lease, Unguaranteed Residual Asset",
        "documentation": "Present value expected to be derived from underlying asset, following end of lease term, not guaranteed by lessee or other third party unrelated to lessor."
       }
      }
     },
     "auth_ref": [
      "r828"
     ]
    },
    "us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlans"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock-Related Benefits Plans",
        "label": "Share-Based Payment Arrangement [Text Block]",
        "documentation": "The entire disclosure for share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r676",
      "r680",
      "r711",
      "r712",
      "r714",
      "r1210"
     ]
    },
    "us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Share-based Payment Arrangement [Abstract]",
        "label": "Share-Based Payment Arrangement [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_DividendIncomeOperating": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DividendIncomeOperating",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails": {
       "parentTag": "us-gaap_InterestAndDividendIncomeOperating",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Dividends received from subsidiaries",
        "label": "Dividend Income, Operating",
        "documentation": "Amount of operating dividend income on securities."
       }
      }
     },
     "auth_ref": [
      "r265",
      "r969",
      "r1025",
      "r1130",
      "r1132",
      "r1228",
      "r1229",
      "r1541"
     ]
    },
    "us-gaap_DividendsCommonStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DividendsCommonStock",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Dividends paid on common stock",
        "label": "Dividends, Common Stock",
        "documentation": "Amount of paid and unpaid common stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK)."
       }
      }
     },
     "auth_ref": [
      "r12",
      "r225"
     ]
    },
    "us-gaap_DividendsPreferredStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DividendsPreferredStock",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Dividends paid on preferred stock",
        "label": "Dividends, Preferred Stock",
        "documentation": "Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK)."
       }
      }
     },
     "auth_ref": [
      "r12",
      "r225"
     ]
    },
    "dei_DocumentAnnualReport": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentAnnualReport",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Annual Report",
        "label": "Document Annual Report",
        "documentation": "Boolean flag that is true only for a form used as an annual report."
       }
      }
     },
     "auth_ref": [
      "r1237",
      "r1238",
      "r1251"
     ]
    },
    "dei_DocumentFinStmtErrorCorrectionFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentFinStmtErrorCorrectionFlag",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Financial Statement Error Correction [Flag]",
        "label": "Document Financial Statement Error Correction [Flag]",
        "documentation": "Indicates whether any of the financial statement period in the filing include a restatement due to error correction."
       }
      }
     },
     "auth_ref": [
      "r1237",
      "r1238",
      "r1251",
      "r1287"
     ]
    },
    "dei_DocumentFiscalPeriodFocus": {
     "xbrltype": "fiscalPeriodItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentFiscalPeriodFocus",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Fiscal Period Focus",
        "label": "Document Fiscal Period Focus",
        "documentation": "Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentFiscalYearFocus": {
     "xbrltype": "gYearItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentFiscalYearFocus",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Fiscal Year Focus",
        "label": "Document Fiscal Year Focus",
        "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentInformationLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentInformationLineItems",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Information [Line Items]",
        "label": "Document Information [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentInformationTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentInformationTable",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Information [Table]",
        "label": "Document Information [Table]",
        "documentation": "Container to support the formal attachment of each official or unofficial, public or private document as part of a submission package."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentPeriodEndDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Period End Date",
        "label": "Document Period End Date",
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentTransitionReport": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentTransitionReport",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Transition Report",
        "label": "Document Transition Report",
        "documentation": "Boolean flag that is true only for a form used as a transition report."
       }
      }
     },
     "auth_ref": [
      "r1272"
     ]
    },
    "dei_DocumentType": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentType",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Document Type",
        "label": "Document Type",
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentsIncorporatedByReferenceTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentsIncorporatedByReferenceTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Documents Incorporated by Reference",
        "label": "Documents Incorporated by Reference [Text Block]",
        "documentation": "Documents incorporated by reference."
       }
      }
     },
     "auth_ref": [
      "r1235"
     ]
    },
    "us-gaap_DoubtfulMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "DoubtfulMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Doubtful",
        "label": "Doubtful [Member]",
        "documentation": "A category of financing receivables that have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable."
       }
      }
     },
     "auth_ref": [
      "r85",
      "r1437"
     ]
    },
    "us-gaap_EarningsPerShareAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EarningsPerShareAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Earnings Per Share [Abstract]",
        "label": "Earnings Per Share [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_EarningsPerShareBasic": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EarningsPerShareBasic",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Basic (in usd per share)",
        "terseLabel": "Basic (loss) earnings per common share (in usd per share)",
        "label": "Earnings Per Share, Basic",
        "documentation": "The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period."
       }
      }
     },
     "auth_ref": [
      "r360",
      "r383",
      "r384",
      "r386",
      "r387",
      "r389",
      "r394",
      "r397",
      "r405",
      "r406",
      "r407",
      "r408",
      "r778",
      "r779",
      "r910",
      "r941",
      "r1178"
     ]
    },
    "us-gaap_EarningsPerShareDiluted": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EarningsPerShareDiluted",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Diluted (in usd per share)",
        "verboseLabel": "Diluted (loss) earnings per common share and common share equivalents (in usd per share)",
        "label": "Earnings Per Share, Diluted",
        "documentation": "The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period."
       }
      }
     },
     "auth_ref": [
      "r360",
      "r383",
      "r384",
      "r386",
      "r387",
      "r389",
      "r397",
      "r405",
      "r406",
      "r407",
      "r408",
      "r778",
      "r779",
      "r910",
      "r941",
      "r1178"
     ]
    },
    "us-gaap_EarningsPerSharePolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EarningsPerSharePolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Earnings per Common Share (Basic and Diluted)",
        "label": "Earnings Per Share, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements."
       }
      }
     },
     "auth_ref": [
      "r72",
      "r73"
     ]
    },
    "fbc_EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": -1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Non-taxable bargain gain",
        "label": "Effective Income Tax Rate Reconciliation, Non-Taxable Bargain Gain",
        "documentation": "Effective Income Tax Rate Reconciliation, Non-Taxable Bargain Gain"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-taxable income and expense of BOLI",
        "label": "Effective Income Tax Rate Reconciliation, Non-Taxable Income And Expense Of Bank Owned Life Insurance",
        "documentation": "Effective Income Tax Rate Reconciliation, Non-Taxable Income And Expense Of Bank Owned Life Insurance"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Non-deductible compensation expense",
        "label": "Effective Income Tax Rate Reconciliation, Nondeductible Compensation Expense",
        "documentation": "Effective Income Tax Rate Reconciliation, Nondeductible Compensation Expense"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": -1.0,
       "order": 11.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Non-deductible FDIC deposit insurance premiums",
        "label": "Effective Income Tax Rate Reconciliation, Nondeductible FDIC Deposit Insurance Premiums",
        "documentation": "Effective Income Tax Rate Reconciliation, Nondeductible FDIC Deposit Insurance Premiums"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": -1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Non-deductible merger expenses",
        "label": "Effective Income Tax Rate Reconciliation, Nondeductible Merger Expenses",
        "documentation": "Effective Income Tax Rate Reconciliation, Nondeductible Merger Expenses"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 12.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Effect of tax deductibility of deferred compensation",
        "label": "Effective Income Tax Rate Reconciliation, Tax Expense (Benefit), Share-Based Payment Arrangement, Amount",
        "documentation": "Amount of difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying domestic federal statutory income tax rate to pretax income (loss) from continuing operation, attributable to expense for award under share-based payment arrangement. Excludes expense determined to be nondeductible upon grant or after for award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r1323",
      "r1477"
     ]
    },
    "us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Period to be recognized",
        "label": "Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition",
        "documentation": "Weighted-average period over which cost not yet recognized is expected to be recognized for award under share-based payment arrangement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r713"
     ]
    },
    "us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrecognized stock-based compensation cost for options",
        "label": "Share-Based Payment Arrangement, Nonvested Award, Excluding Option, Cost Not yet Recognized, Amount",
        "documentation": "Amount of cost to be recognized for nonvested award under share-based payment arrangement. Excludes share and unit options."
       }
      }
     },
     "auth_ref": [
      "r1475"
     ]
    },
    "us-gaap_EmployeeStockOptionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EmployeeStockOptionMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Employee Stock Option",
        "label": "Employee Stock Option [Member]",
        "documentation": "Share-based payment arrangement granting right, subject to vesting and other restrictions, to purchase or sell certain number of shares at predetermined price for specified period of time."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine1": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, Address Line One",
        "label": "Entity Address, Address Line One",
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCityOrTown": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, City or Town",
        "label": "Entity Address, City or Town",
        "documentation": "Name of the City or Town"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressPostalZipCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, Postal Zip Code",
        "label": "Entity Address, Postal Zip Code",
        "documentation": "Code for the postal or zip code"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressStateOrProvince": {
     "xbrltype": "stateOrProvinceItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Address, State or Province",
        "label": "Entity Address, State or Province",
        "documentation": "Name of the state or province."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Central Index Key",
        "label": "Entity Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r1234"
     ]
    },
    "dei_EntityCommonStockSharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityCommonStockSharesOutstanding",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Common Stock, Shares Outstanding",
        "label": "Entity Common Stock, Shares Outstanding",
        "documentation": "Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCurrentReportingStatus": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityCurrentReportingStatus",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Current Reporting Status",
        "label": "Entity Current Reporting Status",
        "documentation": "Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityEmergingGrowthCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Emerging Growth Company",
        "label": "Entity Emerging Growth Company",
        "documentation": "Indicate if registrant meets the emerging growth company criteria."
       }
      }
     },
     "auth_ref": [
      "r1234"
     ]
    },
    "dei_EntityFileNumber": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity File Number",
        "label": "Entity File Number",
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityFilerCategory": {
     "xbrltype": "filerCategoryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityFilerCategory",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Entity Filer Category",
        "label": "Entity Filer Category",
        "documentation": "Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure."
       }
      }
     },
     "auth_ref": [
      "r1234"
     ]
    },
    "dei_EntityIncorporationStateCountryCode": {
     "xbrltype": "edgarStateCountryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Incorporation, State or Country Code",
        "label": "Entity Incorporation, State or Country Code",
        "documentation": "Two-character EDGAR code representing the state or country of incorporation."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityInteractiveDataCurrent": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityInteractiveDataCurrent",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Interactive Data Current",
        "label": "Entity Interactive Data Current",
        "documentation": "Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files)."
       }
      }
     },
     "auth_ref": [
      "r1312"
     ]
    },
    "dei_EntityPublicFloat": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityPublicFloat",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Public Float",
        "label": "Entity Public Float",
        "documentation": "The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Registrant Name",
        "label": "Entity Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r1234"
     ]
    },
    "dei_EntityShellCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityShellCompany",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Shell Company",
        "label": "Entity Shell Company",
        "documentation": "Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r1234"
     ]
    },
    "dei_EntitySmallBusiness": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntitySmallBusiness",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Small Business",
        "label": "Entity Small Business",
        "documentation": "Indicates that the company is a Smaller Reporting Company (SRC)."
       }
      }
     },
     "auth_ref": [
      "r1234"
     ]
    },
    "dei_EntityTaxIdentificationNumber": {
     "xbrltype": "employerIdItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Tax Identification Number",
        "label": "Entity Tax Identification Number",
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS."
       }
      }
     },
     "auth_ref": [
      "r1234"
     ]
    },
    "dei_EntityVoluntaryFilers": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityVoluntaryFilers",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Voluntary Filers",
        "label": "Entity Voluntary Filers",
        "documentation": "Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityWellKnownSeasonedIssuer": {
     "xbrltype": "yesNoItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityWellKnownSeasonedIssuer",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Entity Well-known Seasoned Issuer",
        "label": "Entity Well-known Seasoned Issuer",
        "documentation": "Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A."
       }
      }
     },
     "auth_ref": [
      "r1313"
     ]
    },
    "us-gaap_EquityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EquityAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity [Abstract]",
        "label": "Equity [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_EquityCapitalRaiseMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "EquityCapitalRaiseMember",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Capital Raise",
        "label": "Equity Capital Raise [Member]",
        "documentation": "Equity Capital Raise"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_EquityComponentDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EquityComponentDomain",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Component [Domain]",
        "label": "Equity Component [Domain]",
        "documentation": "Components of equity are the parts of the total Equity balance including that which is allocated to common, preferred, treasury stock, retained earnings, etc."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r320",
      "r354",
      "r355",
      "r356",
      "r378",
      "r379",
      "r380",
      "r382",
      "r390",
      "r392",
      "r410",
      "r477",
      "r480",
      "r598",
      "r715",
      "r716",
      "r717",
      "r745",
      "r746",
      "r769",
      "r770",
      "r771",
      "r772",
      "r773",
      "r774",
      "r777",
      "r799",
      "r800",
      "r801",
      "r802",
      "r803",
      "r804",
      "r830",
      "r947",
      "r948",
      "r949",
      "r970",
      "r1045"
     ]
    },
    "fbc_EquityInstrumentFDICAppreciationIssued": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "EquityInstrumentFDICAppreciationIssued",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Issuance of FDIC Equity appreciation instrument",
        "label": "Equity Instrument, FDIC Appreciation, Issued",
        "documentation": "Equity Instrument, FDIC Appreciation, Issued"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_EquitySecuritiesFVNIAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EquitySecuritiesFVNIAbstract",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity securities:",
        "label": "Equity Securities, FV-NI [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_EquitySecuritiesFvNi": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EquitySecuritiesFvNi",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity investments with readily determinable fair values, at fair value",
        "verboseLabel": "Fair Value",
        "label": "Equity Securities, FV-NI, Current",
        "documentation": "Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI), classified as current."
       }
      }
     },
     "auth_ref": [
      "r329",
      "r792",
      "r1170"
     ]
    },
    "us-gaap_EquitySecuritiesFvNiCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EquitySecuritiesFvNiCost",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails": {
       "parentTag": "fbc_DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amortized Cost",
        "label": "Equity Securities, FV-NI, Cost",
        "documentation": "Cost of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI). Excludes equity method investment and investment in equity security without readily determinable fair value."
       }
      }
     },
     "auth_ref": [
      "r926"
     ]
    },
    "us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EquitySecuritiesFvNiCurrentAndNoncurrent",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity securities:",
        "label": "Equity Securities, FV-NI",
        "documentation": "Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI)."
       }
      }
     },
     "auth_ref": [
      "r329",
      "r792",
      "r925"
     ]
    },
    "us-gaap_EquitySecuritiesFvNiGainLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EquitySecuritiesFvNiGainLoss",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 10.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Net loss on securities",
        "label": "Equity Securities, FV-NI, Gain (Loss)",
        "documentation": "Amount of unrealized and realized gain (loss) on investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI)."
       }
      }
     },
     "auth_ref": [
      "r943",
      "r1430"
     ]
    },
    "us-gaap_EquitySecuritiesFvNiUnrealizedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EquitySecuritiesFvNiUnrealizedLoss",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross unrealized loss",
        "label": "Equity Securities, FV-NI, Unrealized Loss",
        "documentation": "Amount of unrealized loss on investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI)."
       }
      }
     },
     "auth_ref": [
      "r475"
     ]
    },
    "us-gaap_EquitySecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EquitySecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Securities",
        "verboseLabel": "Equity securities:",
        "label": "Equity Securities [Member]",
        "documentation": "Ownership interest or right to acquire or dispose of ownership interest in corporations and other legal entities for which ownership interest is represented by shares of common or preferred stock, convertible securities, stock rights, or stock warrants."
       }
      }
     },
     "auth_ref": [
      "r88",
      "r1225",
      "r1226",
      "r1227",
      "r1539"
     ]
    },
    "fbc_EquitySecuritiesUnrealizedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "EquitySecuritiesUnrealizedLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails": {
       "parentTag": "fbc_MarketableSecuritiesGrossUnrealizedLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross Unrealized Loss",
        "label": "Equity Securities, Unrealized Loss",
        "documentation": "Equity Securities, Unrealized Loss"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_EquityValuationAssumptionDifferenceFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "EquityValuationAssumptionDifferenceFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Valuation Assumption Difference, Footnote",
        "label": "Equity Valuation Assumption Difference, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1280"
     ]
    },
    "ecd_ErrCompAnalysisTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "ErrCompAnalysisTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Erroneous Compensation Analysis",
        "label": "Erroneous Compensation Analysis [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1243",
      "r1255",
      "r1265",
      "r1291"
     ]
    },
    "ecd_ErrCompRecoveryTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "ErrCompRecoveryTable",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Erroneously Awarded Compensation Recovery",
        "label": "Erroneously Awarded Compensation Recovery [Table]"
       }
      }
     },
     "auth_ref": [
      "r1240",
      "r1252",
      "r1262",
      "r1288"
     ]
    },
    "us-gaap_EstimateOfFairValueFairValueDisclosureMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "EstimateOfFairValueFairValueDisclosureMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Estimated Fair Value",
        "label": "Estimate of Fair Value Measurement [Member]",
        "documentation": "Measured as an estimate of fair value."
       }
      }
     },
     "auth_ref": [
      "r574",
      "r794",
      "r1193",
      "r1194"
     ]
    },
    "us-gaap_ExcessCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ExcessCapital",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Excess, amount",
        "label": "Banking Regulation, Total Risk-Based Capital, Excess, Actual",
        "documentation": "Amount of total risk-based capital exceeding minimum required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_ExcessCapitalToRiskWeightedAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ExcessCapitalToRiskWeightedAssets",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Excess, ratio",
        "label": "Banking Regulation, Total Risk-Based Capital Ratio, Excess, Actual",
        "documentation": "Ratio of total risk-based capital to risk-weighted assets exceeding minimum required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_ExcessTierOneLeverageCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ExcessTierOneLeverageCapital",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Excess, amount",
        "label": "Banking Regulation, Excess Tier 1 Leverage Capital, Actual",
        "documentation": "Amount of Tier 1 leverage capital exceeding minimum required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_ExcessTierOneLeverageCapitalToAverageAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ExcessTierOneLeverageCapitalToAverageAssets",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Excess, ratio",
        "label": "Banking Regulation, Excess Tier 1 Leverage Capital Ratio, Actual",
        "documentation": "Ratio of Tier 1 leverage capital to average assets exceeding minimum required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_ExcessTierOneRiskBasedCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ExcessTierOneRiskBasedCapital",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Excess, amount",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital, Excess, Actual",
        "documentation": "Amount of Tier 1 risk-based capital exceeding minimum required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "ecd_ExecutiveCategoryAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "ExecutiveCategoryAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Executive Category:",
        "label": "Executive Category [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1286"
     ]
    },
    "us-gaap_ExtendedMaturityAndInterestRateReductionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ExtendedMaturityAndInterestRateReductionMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Combination - Interest Rate Reduction &amp; Term Extension",
        "label": "Extended Maturity and Interest Rate Reduction [Member]",
        "documentation": "Loan modification for extension of term of loan in which it must be paid, reduction of contractual interest rate, and reduction of interest rate to lower than current market rate for new debt with similar risk."
       }
      }
     },
     "auth_ref": [
      "r1181"
     ]
    },
    "us-gaap_ExtendedMaturityMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ExtendedMaturityMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Term Extension",
        "label": "Extended Maturity [Member]",
        "documentation": "Loan modification for an extension of the term of a loan in which it must be paid."
       }
      }
     },
     "auth_ref": [
      "r433",
      "r1181"
     ]
    },
    "fbc_FDICServicedLoansMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FDICServicedLoansMember",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FDIC Serviced Loans",
        "label": "FDIC Serviced Loans [Member]",
        "documentation": "FDIC Serviced Loans"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis",
        "label": "Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r781",
      "r782",
      "r788"
     ]
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Recurring and Nonrecurring [Table]",
        "label": "Fair Value, Recurring and Nonrecurring [Table]",
        "documentation": "Disclosure of information about asset and liability measured at fair value on recurring and nonrecurring basis."
       }
      }
     },
     "auth_ref": [
      "r781",
      "r782",
      "r788"
     ]
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Inputs, Assets, Quantitative Information",
        "label": "Fair Value Measurement Inputs and Valuation Techniques [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Measurement Inputs and Valuation Techniques [Table]",
        "label": "Fair Value Measurement Inputs and Valuation Techniques [Table]",
        "documentation": "Disclosure of information about input and valuation technique used to measure fair value and change in valuation approach and technique for each separate class of asset and liability measured on recurring and nonrecurring basis."
       }
      }
     },
     "auth_ref": [
      "r33"
     ]
    },
    "us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Quantitative Information about Recurring Level 3 Fair Value Financial Instruments",
        "label": "Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]",
        "documentation": "Tabular disclosure of input and valuation technique used to measure fair value and change in valuation approach and technique for each separate class of asset and liability measured on recurring and nonrecurring basis."
       }
      }
     },
     "auth_ref": [
      "r33"
     ]
    },
    "us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsMeasuredOnNonrecurringBasisTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Assets Measured at Fair Value on a Nonrecurring Basis",
        "label": "Fair Value Measurements, Nonrecurring [Table Text Block]",
        "documentation": "Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3)."
       }
      }
     },
     "auth_ref": [
      "r33",
      "r157",
      "r242"
     ]
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]",
        "label": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]",
        "label": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Assets and Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]",
        "label": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]",
        "documentation": "Schedule of information required and determined to be provided for purposes of reconciling beginning and ending balances of fair value measurements of assets using significant unobservable inputs (level 3). Such reconciliation, separately presenting changes during the period, at a minimum, may include, but is not limited to: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income, and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset."
       }
      }
     },
     "auth_ref": [
      "r34",
      "r159"
     ]
    },
    "us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Roll Forward of Financial Instruments",
        "label": "Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]",
        "documentation": "Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset."
       }
      }
     },
     "auth_ref": [
      "r34",
      "r159"
     ]
    },
    "us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]",
        "label": "Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueByBalanceSheetGroupingTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueByBalanceSheetGroupingTable",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, by Balance Sheet Grouping [Table]",
        "label": "Fair Value, by Balance Sheet Grouping [Table]",
        "documentation": "Disclosure of information about the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities."
       }
      }
     },
     "auth_ref": [
      "r157",
      "r160",
      "r161"
     ]
    },
    "us-gaap_FairValueByBalanceSheetGroupingTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueByBalanceSheetGroupingTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Carrying Amount and Estimated Fair Value of Financial Instruments",
        "label": "Fair Value, by Balance Sheet Grouping [Table Text Block]",
        "documentation": "Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities."
       }
      }
     },
     "auth_ref": [
      "r157",
      "r160"
     ]
    },
    "us-gaap_FairValueByFairValueHierarchyLevelAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueByFairValueHierarchyLevelAxis",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Hierarchy and NAV [Axis]",
        "label": "Fair Value Hierarchy and NAV [Axis]",
        "documentation": "Information by level within fair value hierarchy and fair value measured at net asset value per share as practical expedient."
       }
      }
     },
     "auth_ref": [
      "r574",
      "r626",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r782",
      "r842",
      "r843",
      "r844",
      "r1193",
      "r1194",
      "r1199",
      "r1200",
      "r1201"
     ]
    },
    "us-gaap_FairValueByMeasurementBasisAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueByMeasurementBasisAxis",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Basis [Axis]",
        "label": "Measurement Basis [Axis]",
        "documentation": "Information by measurement basis."
       }
      }
     },
     "auth_ref": [
      "r38",
      "r157",
      "r574",
      "r1193",
      "r1194"
     ]
    },
    "us-gaap_FairValueByMeasurementFrequencyAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueByMeasurementFrequencyAxis",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Frequency [Axis]",
        "label": "Measurement Frequency [Axis]",
        "documentation": "Information by measurement frequency."
       }
      }
     },
     "auth_ref": [
      "r781",
      "r782",
      "r784",
      "r785",
      "r789"
     ]
    },
    "us-gaap_FairValueDisclosureItemAmountsDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueDisclosureItemAmountsDomain",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Measurement [Domain]",
        "label": "Fair Value Measurement [Domain]",
        "documentation": "Measurement basis, for example, but not limited to, reported value, fair value, portion at fair value, portion at other than fair value."
       }
      }
     },
     "auth_ref": [
      "r574",
      "r1193",
      "r1194"
     ]
    },
    "us-gaap_FairValueDisclosuresAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueDisclosuresAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Disclosures [Abstract]",
        "label": "Fair Value Disclosures [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueDisclosuresTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueDisclosuresTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasures"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Fair Value Measures",
        "label": "Fair Value Disclosures [Text Block]",
        "documentation": "The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information."
       }
      }
     },
     "auth_ref": [
      "r780"
     ]
    },
    "us-gaap_FairValueHedgingMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueHedgingMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair value hedging",
        "label": "Fair Value Hedging [Member]",
        "documentation": "A hedge of the exposure to changes in the fair value of a recognized asset or liability, or of an unrecognized firm commitment, that are attributable to a particular risk."
       }
      }
     },
     "auth_ref": [
      "r136"
     ]
    },
    "us-gaap_FairValueInputsLevel1Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueInputsLevel1Member",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Quoted Prices in Active Markets for Identical Assets (Level 1)",
        "label": "Fair Value, Inputs, Level 1 [Member]",
        "documentation": "Quoted prices in active markets for identical assets or liabilities that the reporting entity can access at the measurement date."
       }
      }
     },
     "auth_ref": [
      "r574",
      "r626",
      "r631",
      "r782",
      "r842",
      "r1199",
      "r1200",
      "r1201"
     ]
    },
    "us-gaap_FairValueInputsLevel2Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueInputsLevel2Member",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Significant Other Observable Inputs (Level 2)",
        "label": "Fair Value, Inputs, Level 2 [Member]",
        "documentation": "Inputs other than quoted prices included within level 1 that are observable for an asset or liability, either directly or indirectly, including, but not limited to, quoted prices for similar assets or liabilities in active markets, or quoted prices for identical or similar assets or liabilities in inactive markets."
       }
      }
     },
     "auth_ref": [
      "r574",
      "r626",
      "r631",
      "r782",
      "r843",
      "r1193",
      "r1194",
      "r1199",
      "r1200",
      "r1201"
     ]
    },
    "us-gaap_FairValueInputsLevel3Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueInputsLevel3Member",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Significant Unobservable Inputs (Level 3)",
        "label": "Fair Value, Inputs, Level 3 [Member]",
        "documentation": "Unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing."
       }
      }
     },
     "auth_ref": [
      "r574",
      "r626",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r782",
      "r844",
      "r1193",
      "r1194",
      "r1199",
      "r1200",
      "r1201"
     ]
    },
    "us-gaap_FairValueMeasurementFrequencyDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementFrequencyDomain",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Frequency [Domain]",
        "label": "Measurement Frequency [Domain]",
        "documentation": "Measurement frequency."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueMeasurementPolicyPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementPolicyPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Representation and Warranty Reserve",
        "label": "Fair Value Measurement, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for fair value measurements of financial and non-financial assets, liabilities and instruments classified in shareholders' equity. Disclosures include, but are not limited to, how an entity that manages a group of financial assets and liabilities on the basis of its net exposure measures the fair value of those assets and liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Gains / (Losses) Recorded in Earnings",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings",
        "documentation": "Amount of gain (loss) recognized in income from asset measured at fair value on recurring basis using unobservable input (level 3)."
       }
      }
     },
     "auth_ref": [
      "r786"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Purchases / Originations",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases",
        "documentation": "Amount of purchases of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing."
       }
      }
     },
     "auth_ref": [
      "r158"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Sales",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales",
        "documentation": "Amount of sale of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing."
       }
      }
     },
     "auth_ref": [
      "r158"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Settlement",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements",
        "documentation": "Amount of settlement of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing."
       }
      }
     },
     "auth_ref": [
      "r158"
     ]
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Transfers In (Out)",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers, Net",
        "documentation": "Amount of transfer of financial instrument classified as an asset into (out of) level 3 of the fair value hierarchy."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Balance at Beginning of Year",
        "periodEndLabel": "Balance at End of Year",
        "label": "Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value",
        "documentation": "Fair value of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing."
       }
      }
     },
     "auth_ref": [
      "r34"
     ]
    },
    "us-gaap_FairValueMeasurementsFairValueHierarchyDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementsFairValueHierarchyDomain",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails",
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Hierarchy and NAV [Domain]",
        "label": "Fair Value Hierarchy and NAV [Domain]",
        "documentation": "Categories used to prioritize the inputs to valuation techniques to measure fair value."
       }
      }
     },
     "auth_ref": [
      "r574",
      "r626",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r842",
      "r843",
      "r844",
      "r1193",
      "r1194",
      "r1199",
      "r1200",
      "r1201"
     ]
    },
    "us-gaap_FairValueMeasurementsNonrecurringMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementsNonrecurringMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Nonrecurring",
        "label": "Fair Value, Nonrecurring [Member]",
        "documentation": "Infrequent fair value measurement. Includes, but is not limited to, fair value adjustment for impairment of asset, liability or equity, not frequently measured at fair value."
       }
      }
     },
     "auth_ref": [
      "r781",
      "r782",
      "r784",
      "r785",
      "r787",
      "r789"
     ]
    },
    "us-gaap_FairValueMeasurementsRecurringMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueMeasurementsRecurringMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Recurring",
        "label": "Fair Value, Recurring [Member]",
        "documentation": "Frequent fair value measurement. Includes, but is not limited to, fair value adjustment for impairment of asset, liability or equity, frequently measured at fair value."
       }
      }
     },
     "auth_ref": [
      "r780",
      "r789"
     ]
    },
    "us-gaap_FairValueOfAssetsAcquired": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueOfAssetsAcquired",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair value of tangible assets acquired",
        "label": "Fair Value of Assets Acquired",
        "documentation": "The fair value of assets acquired in noncash investing or financing activities."
       }
      }
     },
     "auth_ref": [
      "r67",
      "r68",
      "r69"
     ]
    },
    "us-gaap_FairValueOptionChangesInFairValueGainLoss1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueOptionChangesInFairValueGainLoss1",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresChangesinFairValueIncludedinEarningsFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in fair value included in earnings",
        "label": "Fair Value, Option, Changes in Fair Value, Gain (Loss)",
        "documentation": "For each line item in the statement of financial position, the amounts of gains and losses from fair value changes included in earnings."
       }
      }
     },
     "auth_ref": [
      "r164"
     ]
    },
    "fbc_FairValueOptionContractualPrincipalOutstandingAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FairValueOptionContractualPrincipalOutstandingAssets",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unpaid Principal Balance",
        "label": "Fair Value, Option, Contractual Principal Outstanding, Assets",
        "documentation": "This item represents aggregate unpaid principal balance of assets that have contractual principal amounts and for which the fair value option has been elected."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FairValueOptionLoansHeldAsAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FairValueOptionLoansHeldAsAssets",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Fair Value",
        "label": "Fair Value, Option, Loans Held as Assets",
        "documentation": "Fair Value, Option, Loans Held as Assets"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails": {
       "parentTag": "us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Option, Loans Held as Assets, Aggregate Amount in Nonaccrual Status, Aggregated Difference",
        "label": "Fair Value, Option, Loans Held as Assets, Aggregate Amount in Nonaccrual Status, Aggregated Difference",
        "documentation": "For loans held as assets for which the fair value option has been elected, this item represents the difference between the aggregate fair value and the aggregate unpaid principal balance of those loans that are in nonaccrual status."
       }
      }
     },
     "auth_ref": [
      "r162"
     ]
    },
    "us-gaap_FairValueOptionLoansHeldAsAssetsAggregateDifference": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueOptionLoansHeldAsAssetsAggregateDifference",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Fair Value Over / (Under) UPB",
        "label": "Fair Value, Option, Loans Held as Assets, Aggregate Difference",
        "documentation": "For loans held as assets for which the fair value option has been elected, this item represents the difference between the aggregate fair value and the aggregate unpaid principal balance of those loans that are 90 days or more past due, in nonaccrual status, or both."
       }
      }
     },
     "auth_ref": [
      "r162"
     ]
    },
    "us-gaap_FairValueOptionQuantitativeDisclosuresLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueOptionQuantitativeDisclosuresLineItems",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Option, Quantitative Disclosures",
        "label": "Fair Value, Option, Quantitative Disclosures [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r796",
      "r797",
      "r798"
     ]
    },
    "us-gaap_FairValueOptionQuantitativeDisclosuresTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueOptionQuantitativeDisclosuresTable",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value Option, Disclosures [Table]",
        "label": "Fair Value Option, Disclosures [Table]",
        "documentation": "Disclosure of information about asset and liability measured at fair value under fair value option."
       }
      }
     },
     "auth_ref": [
      "r796",
      "r797",
      "r798"
     ]
    },
    "us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueOptionQuantitativeDisclosuresTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Differences Between Aggregate Fair Value and Aggregate Remaining Contractual Principal Balance Outstanding - Fair Value Option",
        "label": "Fair Value Option, Disclosures [Table Text Block]",
        "documentation": "Tabular disclosure of information about asset and liability measured at fair value under fair value option."
       }
      }
     },
     "auth_ref": [
      "r163",
      "r1491",
      "r1493",
      "r1494"
     ]
    },
    "us-gaap_FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "label": "Fair Value, Asset, Recurring Basis, Unobservable Input Reconciliation, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "documentation": "Indicates line item in statement in which net income is reported that includes gain (loss) from asset measured at fair value using unobservable input (level 3)."
       }
      }
     },
     "auth_ref": [
      "r786"
     ]
    },
    "us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]",
        "label": "Fair Values Derivatives, Balance Sheet Location, by Derivative Contract Type [Table]",
        "documentation": "Schedule that discloses the location and fair value amounts of derivative instruments (and nonderivative instruments that are designated and qualify as hedging instruments) reported in the statement of financial position."
       }
      }
     },
     "auth_ref": [
      "r139",
      "r141",
      "r154"
     ]
    },
    "us-gaap_FederalFundsPurchasedAverageAmountOutstanding": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalFundsPurchasedAverageAmountOutstanding",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal funds purchased, average balance",
        "label": "Federal Funds Purchased, Average Amount Outstanding",
        "documentation": "Average amount outstanding of federal funds purchased."
       }
      }
     },
     "auth_ref": [
      "r295",
      "r296"
     ]
    },
    "srt_FederalFundsPurchasedAverageRatePaid": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "FederalFundsPurchasedAverageRatePaid",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal funds purchased, weighted average interest rate",
        "label": "Federal Funds Purchased, Average Rate Paid",
        "documentation": "Average rate paid on federal funds purchased."
       }
      }
     },
     "auth_ref": [
      "r295",
      "r297"
     ]
    },
    "us-gaap_FederalFundsSold": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalFundsSold",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal funds sold",
        "label": "Federal Funds Sold",
        "documentation": "The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements."
       }
      }
     },
     "auth_ref": [
      "r176"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FHLB advances, average amount overnight",
        "label": "Federal Home Loan Bank, Advances, Activity for Year, Average Balance of Agreements Outstanding",
        "documentation": "The calculated average balance outstanding for the year for all Federal Home Loan Bank advances as of the Balance Sheet date."
       }
      }
     },
     "auth_ref": [
      "r253"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FHLB advances, weighted average interest rate",
        "label": "Federal Home Loan Bank, Advances, Activity for Year, Average Interest Rate for Year",
        "documentation": "The calculated weighted average interest rate for Federal Home Loan Bank advances for the period ended as of the Balance Sheet date."
       }
      }
     },
     "auth_ref": [
      "r253"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FHLB advances, overnight",
        "label": "Federal Home Loan Bank, Advances, Activity for Year, Maximum Outstanding at any Month End",
        "documentation": "The maximum balance outstanding at any month end during the period as of the Balance Sheet date."
       }
      }
     },
     "auth_ref": [
      "r253"
     ]
    },
    "fbc_FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total wholesale borrowings",
        "label": "Federal Home Loan Bank Advances And Federal Reserve Bank Funding [Member]",
        "documentation": "Federal Home Loan Bank Advances And Federal Reserve Bank Funding"
       }
      }
     },
     "auth_ref": []
    },
    "srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal Home Loan Bank Branch [Axis]",
        "label": "Federal Home Loan Bank Branch [Axis]",
        "documentation": "Information by branch of Federal Home Loan Bank."
       }
      }
     },
     "auth_ref": [
      "r1522"
     ]
    },
    "srt_FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "FederalHomeLoanBankAdvancesBranchOfFHLBBankStateDomain",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal Home Loan Bank Branch [Domain]",
        "label": "Federal Home Loan Bank Branch [Domain]",
        "documentation": "Twelve regional cooperative banks that U.S. lending institutions use to finance housing and economic development in their communities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_FederalHomeLoanBankAdvancesParValue",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024",
        "label": "Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Call Date, in Next Rolling 12 Months",
        "documentation": "Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next call date within the next rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateRollingYearParValueAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Earlier of Contractual Maturity or Next Call Date",
        "label": "Federal Home Loan Bank, Advances, Par Value, Earlier of Contractual Maturity or Next Call Date, Rolling Year [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_FederalHomeLoanBankAdvancesParValue",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2032",
        "label": "Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, after Rolling Year Five",
        "documentation": "Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date after the fifth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_FederalHomeLoanBankAdvancesParValue",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2028",
        "label": "Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Five",
        "documentation": "Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date within the fifth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_FederalHomeLoanBankAdvancesParValue",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2027",
        "label": "Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Four",
        "documentation": "Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date within the fourth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_FederalHomeLoanBankAdvancesParValue",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2026",
        "label": "Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Three",
        "documentation": "Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date within the third rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_FederalHomeLoanBankAdvancesParValue",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2025",
        "label": "Federal Home Loan Bank, Advances, Earlier of Contractual Maturity or Next Put or Convert Date, in Rolling Year Two",
        "documentation": "Par amount of advances made and reported by Federal Home Loan Bank (FHLBank) with the earlier of contractual maturity or next put or convert date within the second rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateRollingYearParValueAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount",
        "label": "Federal Home Loan Bank, Advances, Par Value, Earlier of Contractual Maturity or Next Put or Convert Date, Rolling Year [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesFloatingRateAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesFloatingRateAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Contractual Maturity",
        "label": "Federal Home Loan Bank, Advances, Floating Rate [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesLineItems",
     "presentation": [
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal Home Loan Bank, Advances",
        "label": "Federal Home Loan Bank, Advances [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount",
        "label": "Advance from Federal Home Loan Bank, Fiscal Year Maturity [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2032",
        "label": "Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, after Year Five",
        "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r253"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2028",
        "label": "Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Five",
        "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r253"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Interest Rate (1)",
        "label": "Federal Home Loan Bank, Advance, Maturity, Average Interest Rate [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024",
        "label": "Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year One",
        "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r247"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2025",
        "label": "Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Two",
        "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r253"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2027",
        "label": "Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Four",
        "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r249"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2026",
        "label": "Federal Home Loan Bank, Advance, Maturity, Average Interest Rate, Year Three",
        "documentation": "Weighted average interest rate of advance from Federal Home Loan Bank (FHLBank) due in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r253"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_AdvancesFromFederalHomeLoanBanks",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2032",
        "label": "Federal Home Loan Bank, Advance, Maturity, after Year Five",
        "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18",
      "r272"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_AdvancesFromFederalHomeLoanBanks",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2028",
        "label": "Federal Home Loan Bank, Advance, Maturity, Year Five",
        "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18",
      "r272"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_AdvancesFromFederalHomeLoanBanks",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2025",
        "label": "Federal Home Loan Bank, Advance, Maturity, Year Two",
        "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18",
      "r272"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_AdvancesFromFederalHomeLoanBanks",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2027",
        "label": "Federal Home Loan Bank, Advance, Maturity, Year Four",
        "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18",
      "r272"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_AdvancesFromFederalHomeLoanBanks",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2026",
        "label": "Federal Home Loan Bank, Advance, Maturity, Year Three",
        "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18",
      "r272"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": "us-gaap_AdvancesFromFederalHomeLoanBanks",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024",
        "label": "Federal Home Loan Bank, Advance, Maturity, Year One",
        "documentation": "Amount of advance from Federal Home Loan Bank (FHLBank) maturing in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18",
      "r272"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesMaturityPeriodFixedRate": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMaturityPeriodFixedRate",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FHLB lock out term",
        "label": "Federal Home Loan Bank, Advances, Maturity Period, Fixed Rate",
        "documentation": "Maturity period on fixed rate advances made and reported by Federal Home Loan Bank (FHLBank), in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FHLB advances",
        "label": "Federal Home Loan Bank Advances [Member]",
        "documentation": "Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans."
       }
      }
     },
     "auth_ref": [
      "r253"
     ]
    },
    "us-gaap_FederalHomeLoanBankAdvancesParValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesParValue",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total FHLB advances",
        "label": "Federal Home Loan Bank, Advances, Par Value",
        "documentation": "Par amount of advances made and reported by Federal Home Loan Bank (FHLBank)."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesTable",
     "presentation": [
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal Home Loan Bank, Advances [Table]",
        "label": "Federal Home Loan Bank, Advances [Table]",
        "documentation": "Disclosure of information about advances made and reported by Federal Home Loan Bank (FHLBank)."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2032",
        "label": "Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing after Rolling Year Five",
        "documentation": "Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing after the fifth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024",
        "label": "Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Next 12 Rolling Months",
        "documentation": "Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing in the next rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2028",
        "label": "Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Rolling Year Five",
        "documentation": "Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing in the fifth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2027",
        "label": "Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Maturing in Rolling Year Four",
        "documentation": "Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing in the fourth rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2026",
        "label": "Federal Home Loan Bank Advances, Weighted Average Interest Rate, Maturing in Rolling Year Three",
        "documentation": "Weighted average interest rate on advances made and reported by Federal Home Loan Bank maturing in the third rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2025",
        "label": "Federal Home Loan Bank Advances, Weighted Average Interest Rate, Maturing in Rolling Year Two",
        "documentation": "Weighted average interest rate on advances made and reported by Federal Home Loan Bank (FHLBank) maturing in the second rolling twelve months following the latest balance sheet. For interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankAdvancesWeightedAverageInterestRateRollingYearAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsAdvancesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Interest Rate (1)",
        "label": "Federal Home Loan Bank, Advances, Weighted Average Interest Rate, Rolling Year [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FederalHomeLoanBankAndFederalReserveBankAdvances": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FederalHomeLoanBankAndFederalReserveBankAdvances",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_LongTermDebt",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal Home Loan Bank and Federal Reserve Bank advances",
        "label": "Federal Home Loan Bank And Federal Reserve Bank Advances",
        "documentation": "Federal Home Loan Bank And Federal Reserve Bank Advances"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FHLB and FRB stock",
        "label": "Federal Home Loan Bank and Federal Reserve Bank Stock, Fair Value Disclosure",
        "documentation": "Federal Home Loan Bank and Federal Reserve Bank Stock, Fair Value Disclosure"
       }
      }
     },
     "auth_ref": []
    },
    "srt_FederalHomeLoanBankOfIndianapolisMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "FederalHomeLoanBankOfIndianapolisMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal Home Loan Bank of Indianapolis",
        "label": "Federal Home Loan Bank of Indianapolis [Member]",
        "documentation": "Federal Home Loan Bank (FHLBank) located in Indianapolis, Indiana."
       }
      }
     },
     "auth_ref": []
    },
    "srt_FederalHomeLoanBankOfNewYorkMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "FederalHomeLoanBankOfNewYorkMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal Home Loan Bank of New York",
        "label": "Federal Home Loan Bank of New York [Member]",
        "documentation": "Federal Home Loan Bank (FHLBank) located in New York, New York."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FederalHomeLoanBankStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalHomeLoanBankStock",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Federal Home Loan Bank stock and Federal Reserve Bank stock, at cost",
        "terseLabel": "Federal home loan bank stock",
        "label": "Federal Home Loan Bank Stock",
        "documentation": "Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity)."
       }
      }
     },
     "auth_ref": [
      "r271"
     ]
    },
    "us-gaap_FederalReserveBankAdvancesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalReserveBankAdvancesMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FRB term funding",
        "label": "Federal Reserve Bank Advances [Member]",
        "documentation": "Borrowings from the Federal Reserve Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages."
       }
      }
     },
     "auth_ref": [
      "r253"
     ]
    },
    "us-gaap_FederalReserveBankStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FederalReserveBankStock",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal reserve bank stock",
        "label": "Federal Reserve Bank Stock",
        "documentation": "Federal Reserve Bank stock represents an equity interest in the Federal Reserve Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity)."
       }
      }
     },
     "auth_ref": [
      "r271"
     ]
    },
    "us-gaap_FeeIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FeeIncome",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fee income",
        "label": "Fee Income",
        "documentation": "Amount of fee income including, but not limited to, managerial assistance, servicing of investment, and origination and commitment fees."
       }
      }
     },
     "auth_ref": [
      "r1535"
     ]
    },
    "us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans",
        "label": "Financing Receivable, Held-for-Investment [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for financing receivable classified as held-for-investment."
       }
      }
     },
     "auth_ref": [
      "r213",
      "r274",
      "r275",
      "r276",
      "r426",
      "r428"
     ]
    },
    "us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinanceLoanAndLeaseReceivablesHeldForSalePolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans Held-for-Sale",
        "label": "Financing Receivable, Held-for-Sale [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for financing receivables classified as held-for-sale."
       }
      }
     },
     "auth_ref": [
      "r274",
      "r276",
      "r283",
      "r428"
     ]
    },
    "fbc_FinancialAsset30To89DaysPastDueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancialAsset30To89DaysPastDueMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans 30-89 Days Past Due",
        "label": "Financial Asset, 30 to 89 Days Past Due [Member]",
        "documentation": "Financial Asset, 30 to 89 Days Past Due"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancialAssetNotPastDueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancialAssetNotPastDueMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Current",
        "label": "Financial Asset, Not Past Due [Member]",
        "documentation": "Financial asset not past due."
       }
      }
     },
     "auth_ref": [
      "r492",
      "r1189"
     ]
    },
    "us-gaap_FinancialAssetPastDueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancialAssetPastDueMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Past Due Loans",
        "label": "Financial Asset, Past Due [Member]",
        "documentation": "Financial asset past due."
       }
      }
     },
     "auth_ref": [
      "r492",
      "r1189",
      "r1400"
     ]
    },
    "us-gaap_FinancialInstrumentAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancialInstrumentAxis",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails",
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Instrument [Axis]",
        "label": "Financial Instrument [Axis]",
        "documentation": "Information by type of financial instrument."
       }
      }
     },
     "auth_ref": [
      "r442",
      "r443",
      "r444",
      "r445",
      "r446",
      "r447",
      "r448",
      "r450",
      "r451",
      "r452",
      "r453",
      "r454",
      "r455",
      "r456",
      "r457",
      "r458",
      "r459",
      "r460",
      "r461",
      "r462",
      "r463",
      "r464",
      "r465",
      "r466",
      "r467",
      "r468",
      "r469",
      "r470",
      "r471",
      "r472",
      "r485",
      "r487",
      "r492",
      "r493",
      "r506",
      "r518",
      "r522",
      "r523",
      "r585",
      "r595",
      "r775",
      "r839",
      "r840",
      "r841",
      "r842",
      "r843",
      "r844",
      "r846",
      "r847",
      "r848",
      "r852",
      "r853",
      "r854",
      "r855",
      "r859",
      "r863",
      "r872",
      "r873",
      "r874",
      "r875",
      "r878",
      "r879",
      "r880",
      "r881",
      "r882",
      "r883",
      "r884",
      "r885",
      "r887",
      "r888",
      "r889",
      "r939",
      "r1190",
      "r1339",
      "r1340",
      "r1341",
      "r1342",
      "r1343",
      "r1344",
      "r1345",
      "r1426",
      "r1427",
      "r1428",
      "r1429"
     ]
    },
    "us-gaap_FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Liquidation amount (in dollars per share)",
        "label": "Financial Instrument Subject to Mandatory Redemption, Par Value Per Share",
        "documentation": "Par value per share of mandatory redeemable financial instrument classified as liability."
       }
      }
     },
     "auth_ref": [
      "r288"
     ]
    },
    "us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Assets:",
        "label": "Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancialInstrumentsOwnedAndPledgedAsCollateralLineItems",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Instruments Owned and Pledged as Collateral [Line Items]",
        "label": "Financial Instruments Owned and Pledged as Collateral [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r859",
      "r996"
     ]
    },
    "us-gaap_FinancialInstrumentsOwnedAndPledgedAsCollateralTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancialInstrumentsOwnedAndPledgedAsCollateralTable",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Instruments Owned and Pledged as Collateral [Table]",
        "label": "Financial Instruments Owned and Pledged as Collateral [Table]",
        "documentation": "Financial instruments held by a broker-dealer for its own account (proprietary securities) for trading or investment purposes that are carried at fair value and pledged to counterparties as collateral for financing transactions. Description may include equity, fixed income, debt or other securities."
       }
      }
     },
     "auth_ref": [
      "r243",
      "r859",
      "r996"
     ]
    },
    "fbc_FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Settlement terms, period",
        "label": "Financial Instruments Subject To Mandatory Redemption By Settlement Terms, Term",
        "documentation": "Financial Instruments Subject To Mandatory Redemption By Settlement Terms, Term"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancialLiabilitiesFairValueDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancialLiabilitiesFairValueDisclosureAbstract",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Liabilities:",
        "label": "Financial Liabilities Fair Value Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancialStandbyLetterOfCreditMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancialStandbyLetterOfCreditMember",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial stand-by letters of credit",
        "label": "Financial Standby Letter of Credit [Member]",
        "documentation": "An irrevocable undertaking (typically by a financial institution) to guarantee payment of a specified financial obligation if defined events occur or fail to occur."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accrued interest receivable",
        "label": "Financing Receivable, Accrued Interest, after Allowance for Credit Loss",
        "documentation": "Amount, after allowance for credit loss, of accrued interest on financing receivable."
       }
      }
     },
     "auth_ref": [
      "r484",
      "r502"
     ]
    },
    "us-gaap_FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]",
        "label": "Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of financial position that includes accrued interest, after allowance for credit loss, on financing receivable."
       }
      }
     },
     "auth_ref": [
      "r502"
     ]
    },
    "us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Less: Allowance for credit losses on loans and leases",
        "negatedLabel": "Allowance for credit losses on loans and leases",
        "periodStartLabel": "Beginning balance",
        "periodEndLabel": "Ending balance",
        "terseLabel": "Allowance for credit losses on loans and leases",
        "label": "Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest",
        "documentation": "Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r1434"
     ]
    },
    "us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableAllowanceForCreditLossesLineItems",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Allowance for Credit Losses",
        "label": "Financing Receivable, Allowance for Credit Loss [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r303",
      "r1435"
     ]
    },
    "srt_FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percent of loans held for investment",
        "label": "Financing Receivable, before Allowance for Credit Loss, to Total, Percent",
        "documentation": "Percentage, before allowance for credit loss, of financing receivable to total financing receivable."
       }
      }
     },
     "auth_ref": [
      "r302"
     ]
    },
    "us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableCreditQualityIndicatorsTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Loans Held for Investment by Credit Quality Indicator",
        "label": "Financing Receivable Credit Quality Indicators [Table Text Block]",
        "documentation": "Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics."
       }
      }
     },
     "auth_ref": [
      "r85",
      "r1437"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans 90 days or greater past due and still accruing",
        "label": "Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable 90 days or more past due and still accruing. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r495"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails": {
       "parentTag": "fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total loans and leases held for investment, net",
        "terseLabel": "Loans held for investment",
        "label": "Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss",
        "documentation": "Amortized cost excluding accrued interest, after allowance for credit loss, of financing receivable. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r1434"
     ]
    },
    "fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total loans and leases, net",
        "label": "Financing Receivable, Excluding Accrued Interest, After Allowance For Credit Loss And Financing Receivable, Held For Sale",
        "documentation": "Financing Receivable, Excluding Accrued Interest, After Allowance For Credit Loss And Financing Receivable, Held For Sale"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Increase in allowance for credit losses",
        "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Period Increase (Decrease)",
        "documentation": "Amount, excluding accrued interest, of increase (decrease) in allowance for credit loss on financing receivable. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r1435"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Recoveries",
        "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Recovery",
        "documentation": "Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r491"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]",
        "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Current-period gross write-offs",
        "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff",
        "documentation": "Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r490",
      "r508"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Current-period gross write-offs",
        "label": "Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans and leases held for investment, net of deferred loan fees and costs",
        "verboseLabel": "Total loans and leases held for investment",
        "totalLabel": "Total",
        "label": "Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss",
        "documentation": "Amortized cost excluding accrued interest, before allowance for credit loss, of financing receivable. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r503",
      "r507",
      "r1434"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]",
        "label": "Financing Receivable, Excluding Accrued Interest, before Allowance for Credit Loss, by Origination Year [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Provision for (recovery of) credit losses on loans and leases",
        "label": "Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal)",
        "documentation": "Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r488"
     ]
    },
    "fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accruing",
        "label": "Financing Receivable, Excluding, Accrued Interest, Modified In Period, Accruing",
        "documentation": "Financing Receivable, Excluding, Accrued Interest, Modified In Period, Accruing"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non- Accrual",
        "label": "Financing Receivable, Excluding, Accrued Interest, Modified In Period, Non Accrual",
        "documentation": "Financing Receivable, Excluding, Accrued Interest, Modified In Period, Non Accrual"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPast12Months": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestModifiedPast12Months",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total",
        "label": "Financing Receivable, Excluding Accrued Interest, Modified, after 12 Months",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable 12 months after modification for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r435"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestModifiedPeriod",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "netLabel": "Loans modified",
        "terseLabel": "Amortized Cost",
        "verboseLabel": "Total",
        "label": "Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r433"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans modified that subsequently defaulted",
        "label": "Financing Receivable, Excluding Accrued Interest, Modified, Subsequent Default",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable with payment default in current period and modified within previous 12 months preceding payment default for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r437"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestNonaccrual",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non- Accrual Loans",
        "label": "Financing Receivable, Excluding Accrued Interest, Nonaccrual",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable on nonaccrual status. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r494"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Prior To 2019",
        "label": "Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated more than five years prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r503",
      "r508",
      "r1188"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Prior To 2019",
        "label": "Financing Receivable, Excluding Accrued Interest, Originated, More than Five Years before Current Fiscal Year, Writeoff",
        "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable originated more than five years before current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r508"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails": {
       "parentTag": "us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "ACL at acquisition",
        "terseLabel": "Adjustment for Purchased PCD Loans",
        "label": "Financing Receivable, Excluding Accrued Interest, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date",
        "documentation": "Amount, excluding accrued interest, of allowance for credit loss at acquisition date of financing receivable purchased with credit deterioration. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r489",
      "r498"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestRevolving": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestRevolving",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Revolving Loans",
        "label": "Financing Receivable, Excluding Accrued Interest, Revolving",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable that can be withdrawn, repaid, and redrawn."
       }
      }
     },
     "auth_ref": [
      "r503",
      "r508",
      "r1188"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Revolving Loans Converted to Term Loans",
        "label": "Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan",
        "documentation": "Amortized cost excluding accrued interest, of revolving financing receivable converted to term loan."
       }
      }
     },
     "auth_ref": [
      "r503",
      "r509",
      "r1188"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Revolving Loans Converted to Term Loans",
        "label": "Financing Receivable, Excluding Accrued Interest, Revolving, Converted to Term Loan, Writeoff",
        "documentation": "Amount, excluding accrued interest, of writeoff of revolving financing receivable converted to term loan."
       }
      }
     },
     "auth_ref": [
      "r509"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestRevolvingWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Revolving Loans",
        "label": "Financing Receivable, Excluding Accrued Interest, Revolving, Writeoff",
        "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable that can be withdrawn, repaid, and redrawn."
       }
      }
     },
     "auth_ref": [
      "r508"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2019",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated four years prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r503",
      "r508",
      "r1188"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "2019",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff",
        "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable originated four years before current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r508"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2020",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated three years prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r503",
      "r508",
      "r1188"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "2020",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff",
        "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable originated three years before current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r508"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2023",
        "label": "Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated in current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r503",
      "r508",
      "r1188"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "2023",
        "label": "Financing Receivable, Excluding Accrued Interest, Year One, Originated, Current Fiscal Year, Writeoff",
        "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable originated in current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r508"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2021",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest, of financing receivable originated two years prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r503",
      "r508",
      "r1188"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "2021",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff",
        "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable originated two years before current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r508"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2022",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year",
        "documentation": "Amortized cost excluding accrued interest of financing receivable originated in fiscal year prior to current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r503",
      "r508",
      "r1188"
     ]
    },
    "us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails": {
       "parentTag": "us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "2022",
        "label": "Financing Receivable, Excluding Accrued Interest, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff",
        "documentation": "Amount, excluding accrued interest, of writeoff of financing receivable originated in fiscal year before current fiscal year. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r508"
     ]
    },
    "us-gaap_FinancingReceivableImpairedLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableImpairedLineItems",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Impaired [Line Items]",
        "label": "Financing Receivable, Impaired [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percent of Total Loan class",
        "label": "Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage",
        "documentation": "Percentage, excluding accrued interest, of financing receivable modified during period for debtor experiencing financial difficulty to total financing receivables."
       }
      }
     },
     "auth_ref": [
      "r433"
     ]
    },
    "us-gaap_FinancingReceivableModificationsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableModificationsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Modified [Line Items]",
        "label": "Financing Receivable, Modified [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r431",
      "r432",
      "r433",
      "r434",
      "r1181"
     ]
    },
    "us-gaap_FinancingReceivableModificationsNumberOfContracts2": {
     "xbrltype": "integerItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableModificationsNumberOfContracts2",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of Loans",
        "label": "Financing Receivable, Modifications, Number of Contracts",
        "documentation": "Number of financing receivables that have been modified by troubled debt restructurings."
       }
      }
     },
     "auth_ref": [
      "r1396"
     ]
    },
    "us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableModificationsPostModificationRecordedInvestment2",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Post- Modification Recorded Investment",
        "label": "Financing Receivable, Modified in Period, Amount",
        "documentation": "Amortized cost of financing receivable modified during period for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r433",
      "r1181",
      "r1396"
     ]
    },
    "us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableModificationsPreModificationRecordedInvestment2",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pre- Modification Recorded Investment",
        "label": "Financing Receivable, Troubled Debt Restructuring, Premodification",
        "documentation": "Amount, before troubled debt restructuring, of financing receivable to be modified."
       }
      }
     },
     "auth_ref": [
      "r1396"
     ]
    },
    "fbc_FinancingReceivableModifiedWeightedAverageInterestRateAfterModification": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivableModifiedWeightedAverageInterestRateAfterModification",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate reduction, weighted-average contractual interest rate, after modification",
        "label": "Financing Receivable, Modified, Weighted Average Interest Rate After Modification",
        "documentation": "Financing Receivable, Modified, Weighted Average Interest Rate After Modification"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted-average contractual interest rate",
        "label": "Financing Receivable, Modified, Weighted Average Interest Rate Decrease from Modification",
        "documentation": "Percentage of decrease in weighted average contractual interest rate of financing receivable modified for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r1181"
     ]
    },
    "fbc_FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate reduction, weighted-average contractual interest rate, prior to modification",
        "label": "Financing Receivable, Modified, Weighted Average Interest Rate Prior To Modification",
        "documentation": "Financing Receivable, Modified, Weighted Average Interest Rate Prior To Modification"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted-average Term (in years)",
        "label": "Financing Receivable, Modified, Weighted Average Term Increase from Modification",
        "documentation": "Period of increase in weighted average maturity of financing receivable modified for debtor experiencing financial difficulty, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r1181"
     ]
    },
    "fbc_FinancingReceivableNumberOfThirdPartyMortgageOriginators": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivableNumberOfThirdPartyMortgageOriginators",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of third-party mortgage originators",
        "label": "Financing Receivable, Number Of Third-Party Mortgage Originators",
        "documentation": "Financing Receivable, Number Of Third-Party Mortgage Originators"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivablePortfolioSegmentAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablePortfolioSegmentAxis",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable Portfolio Segment [Axis]",
        "label": "Financing Receivable Portfolio Segment [Axis]",
        "documentation": "Information by the level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses."
       }
      }
     },
     "auth_ref": [
      "r299",
      "r300",
      "r301",
      "r302",
      "r485",
      "r487",
      "r1182",
      "r1339",
      "r1340",
      "r1341",
      "r1342",
      "r1343",
      "r1344",
      "r1345",
      "r1346",
      "r1347",
      "r1348"
     ]
    },
    "us-gaap_FinancingReceivablePortfolioSegmentDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablePortfolioSegmentDomain",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable Portfolio Segment [Domain]",
        "label": "Financing Receivable Portfolio Segment [Domain]",
        "documentation": "Level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses."
       }
      }
     },
     "auth_ref": [
      "r299",
      "r300",
      "r301",
      "r302",
      "r1339",
      "r1340",
      "r1341",
      "r1342",
      "r1343",
      "r1344",
      "r1345",
      "r1346",
      "r1347",
      "r1348"
     ]
    },
    "us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails": {
       "parentTag": "us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Par value (UPB)",
        "label": "Financing Receivable, Purchased with Credit Deterioration, Amount at Par Value",
        "documentation": "Amount at par value of financing receivable purchased with credit deterioration."
       }
      }
     },
     "auth_ref": [
      "r500"
     ]
    },
    "us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Fair value",
        "label": "Financing Receivable, Purchased with Credit Deterioration, Amount at Purchase Price",
        "documentation": "Amount at purchase price of financing receivable purchased with credit deterioration."
       }
      }
     },
     "auth_ref": [
      "r497"
     ]
    },
    "us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails": {
       "parentTag": "us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Non-credit (discount)",
        "label": "Financing Receivable, Purchased with Credit Deterioration, Discount (Premium)",
        "documentation": "Amount of discount (premium) attributable to other factors on financing receivable purchased with credit deterioration."
       }
      }
     },
     "auth_ref": [
      "r499"
     ]
    },
    "fbc_FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Loans and Leases Purchased as Part of Acquisition",
        "label": "Financing Receivable, Purchased With Credit Deterioration [Table Text Block]",
        "documentation": "Financing Receivable, Purchased With Credit Deterioration"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivableReclassificationToHeldForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableReclassificationToHeldForSale",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans reclassified to held-for-sale",
        "label": "Financing Receivable, Reclassification to Held-for-Sale",
        "documentation": "Amount of financing receivable reclassified to held-for-sale."
       }
      }
     },
     "auth_ref": [
      "r80",
      "r486"
     ]
    },
    "us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Financing Receivable [Axis]",
        "label": "Class of Financing Receivable [Axis]",
        "documentation": "Information by class of financing receivable determined on the basis of initial measurement attribute, risk characteristics and method of monitoring and assessing credit risk."
       }
      }
     },
     "auth_ref": [
      "r86",
      "r87",
      "r299",
      "r300",
      "r301",
      "r302",
      "r430",
      "r433",
      "r434",
      "r435",
      "r437",
      "r492",
      "r493",
      "r506",
      "r1181",
      "r1183",
      "r1184",
      "r1188",
      "r1189",
      "r1339",
      "r1340",
      "r1341",
      "r1342",
      "r1343",
      "r1344",
      "r1345",
      "r1346",
      "r1347",
      "r1348"
     ]
    },
    "us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Financing Receivable [Domain]",
        "label": "Class of Financing Receivable [Domain]",
        "documentation": "Financing receivables determined on the basis of initial measurement attribute, risk characteristics and method of monitoring and assessing credit risk."
       }
      }
     },
     "auth_ref": [
      "r299",
      "r300",
      "r301",
      "r302",
      "r433",
      "r434",
      "r435",
      "r437",
      "r1181",
      "r1339",
      "r1340",
      "r1341",
      "r1342",
      "r1343",
      "r1344",
      "r1345",
      "r1346",
      "r1347",
      "r1348"
     ]
    },
    "us-gaap_FinancingReceivableRecordedInvestmentLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableRecordedInvestmentLineItems",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Recorded Investment",
        "label": "Financing Receivable, Credit Quality Indicator [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r1188",
      "r1437"
     ]
    },
    "us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableRecordedInvestmentPastDueLineItems",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Recorded Investment, Past Due",
        "label": "Financing Receivable, Past Due [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r1189",
      "r1436"
     ]
    },
    "us-gaap_FinancingReceivableSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivableSale",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing receivable, sale",
        "label": "Financing Receivable, Sale",
        "documentation": "Amount of decrease in financing receivable from sale. Excludes net investment in lease."
       }
      }
     },
     "auth_ref": [
      "r486"
     ]
    },
    "fbc_FinancingReceivableTroubledDebtRestructuringCapitalizedInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivableTroubledDebtRestructuringCapitalizedInterest",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Capitalized Interest",
        "label": "Financing Receivable, Troubled Debt Restructuring, Capitalized Interest",
        "documentation": "Financing Receivable, Troubled Debt Restructuring, Capitalized Interest"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FinancingReceivableWithGovernmentGuaranty": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivableWithGovernmentGuaranty",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "LGG loans",
        "label": "Financing Receivable, With Government Guaranty",
        "documentation": "Financing Receivable, With Government Guaranty"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FinancingReceivableWithGovernmentGuarantyRepurchaseLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FinancingReceivableWithGovernmentGuarantyRepurchaseLiability",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "LGG loans, repurchase liability",
        "label": "Financing Receivable, With Government Guaranty, Repurchase Liability",
        "documentation": "Financing Receivable, With Government Guaranty, Repurchase Liability"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablesEqualToGreaterThan90DaysPastDueMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "90+ Past Due",
        "label": "Financial Asset, Equal to or Greater than 90 Days Past Due [Member]",
        "documentation": "Financial asset equal to or greater than 90 days past due."
       }
      }
     },
     "auth_ref": [
      "r1189"
     ]
    },
    "us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Charge- off Amount",
        "label": "Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down",
        "documentation": "Reflects the amount of the write-down related to a troubled debt restructuring."
       }
      }
     },
     "auth_ref": [
      "r214"
     ]
    },
    "us-gaap_FinancingReceivablesPeriodPastDueAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablesPeriodPastDueAxis",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Asset, Period Past Due [Axis]",
        "label": "Financial Asset, Aging [Axis]",
        "documentation": "Information by period in which financial asset is past due or not past due."
       }
      }
     },
     "auth_ref": [
      "r291",
      "r492",
      "r1189"
     ]
    },
    "us-gaap_FinancingReceivablesPeriodPastDueDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablesPeriodPastDueDomain",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Asset, Period Past Due [Domain]",
        "label": "Financial Asset, Aging [Domain]",
        "documentation": "Period in which financial asset is past due or not past due. For past due, element name and standard label in Financial Asset, [numeric lower end] to [numeric higher end] [date measure] Past Due [Member] or Financial Asset, Greater than [low end numeric value] [date measure] Past Due [Member] or Financial Asset, Less than [high end numeric value] [date measure] Past Due [Member] formats."
       }
      }
     },
     "auth_ref": [
      "r291",
      "r492",
      "r1189"
     ]
    },
    "us-gaap_FinancingReceivablesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FinancingReceivablesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeases"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans and Leases",
        "label": "Financing Receivables [Text Block]",
        "documentation": "The entire disclosure for financing receivable."
       }
      }
     },
     "auth_ref": [
      "r423",
      "r434",
      "r436",
      "r438",
      "r1181"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsAccumulatedAmortization",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails": {
       "parentTag": "us-gaap_IntangibleAssetsNetExcludingGoodwill",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Accumulated Amortization",
        "label": "Finite-Lived Intangible Assets, Accumulated Amortization",
        "documentation": "Accumulated amount of amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life."
       }
      }
     },
     "auth_ref": [
      "r326",
      "r533"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails": {
       "parentTag": "us-gaap_FiniteLivedIntangibleAssetsNet",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024",
        "label": "Finite-Lived Intangible Asset, Expected Amortization, Year One",
        "documentation": "Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r217"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseYearFive",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails": {
       "parentTag": "us-gaap_FiniteLivedIntangibleAssetsNet",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2028",
        "label": "Finite-Lived Intangible Asset, Expected Amortization, Year Five",
        "documentation": "Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r217"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseYearFour",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails": {
       "parentTag": "us-gaap_FiniteLivedIntangibleAssetsNet",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2027",
        "label": "Finite-Lived Intangible Asset, Expected Amortization, Year Four",
        "documentation": "Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r217"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseYearThree",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails": {
       "parentTag": "us-gaap_FiniteLivedIntangibleAssetsNet",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2026",
        "label": "Finite-Lived Intangible Asset, Expected Amortization, Year Three",
        "documentation": "Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r217"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails": {
       "parentTag": "us-gaap_FiniteLivedIntangibleAssetsNet",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2025",
        "label": "Finite-Lived Intangible Asset, Expected Amortization, Year Two",
        "documentation": "Amount of amortization for assets, excluding financial assets and goodwill, lacking physical substance with finite life expected to be recognized in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r217"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsByMajorClassAxis",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails",
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Finite-Lived Intangible Assets by Major Class [Axis]",
        "label": "Finite-Lived Intangible Assets by Major Class [Axis]",
        "documentation": "Information by major type or class of finite-lived intangible assets."
       }
      }
     },
     "auth_ref": [
      "r531",
      "r532",
      "r533",
      "r534",
      "r892",
      "r893"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails",
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Finite-Lived Intangible Assets [Line Items]",
        "label": "Finite-Lived Intangible Assets [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r892"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsMajorClassNameDomain",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails",
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Finite-Lived Intangible Assets, Major Class Name [Domain]",
        "label": "Finite-Lived Intangible Assets, Major Class Name [Domain]",
        "documentation": "The major class of finite-lived intangible asset (for example, patents, trademarks, copyrights, etc.) A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company."
       }
      }
     },
     "auth_ref": [
      "r91",
      "r93"
     ]
    },
    "us-gaap_FiniteLivedIntangibleAssetsNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FiniteLivedIntangibleAssetsNet",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsFutureAmortizationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total",
        "label": "Finite-Lived Intangible Assets, Net",
        "documentation": "Amount after amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life."
       }
      }
     },
     "auth_ref": [
      "r216",
      "r892"
     ]
    },
    "us-gaap_FirstMortgageMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FirstMortgageMember",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "netLabel": "Residential First Mortgage",
        "terseLabel": "Residential first mortgage loans",
        "label": "First Mortgage [Member]",
        "documentation": "Loan secured by real property that has a first (highest) lien on such property in the event of default by the borrower."
       }
      }
     },
     "auth_ref": [
      "r1232"
     ]
    },
    "us-gaap_FixedIncomeInvestmentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FixedIncomeInvestmentsMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fixed Income Investments",
        "label": "Fixed Income Investments [Member]",
        "documentation": "Investments that regularly generate a fixed amount of interest income. Examples include, but are not limited to, bonds, certificates of deposit, notes and debt securities."
       }
      }
     },
     "auth_ref": [
      "r1219",
      "r1220",
      "r1221",
      "r1224"
     ]
    },
    "fbc_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails",
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock",
        "label": "Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]",
        "documentation": "Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarBancorpMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarBancorpMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Bancorp",
        "label": "Flagstar Bancorp [Member]",
        "documentation": "Flagstar Bancorp"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarStatutoryTrustIIIMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarStatutoryTrustIIIMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Statutory Trust III",
        "label": "Flagstar Statutory Trust III [Member]",
        "documentation": "Flagstar Statutory Trust III"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarStatutoryTrustIIMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarStatutoryTrustIIMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Statutory Trust II",
        "label": "Flagstar Statutory Trust II [Member]",
        "documentation": "Flagstar Statutory Trust II"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarStatutoryTrustIVMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarStatutoryTrustIVMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Statutory Trust IV",
        "label": "Flagstar Statutory Trust IV [Member]",
        "documentation": "Flagstar Statutory Trust IV"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarStatutoryTrustIXMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarStatutoryTrustIXMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Statutory Trust IX",
        "label": "Flagstar Statutory Trust IX [Member]",
        "documentation": "Flagstar Statutory Trust IX"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarStatutoryTrustVIIIMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarStatutoryTrustVIIIMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Statutory Trust VIII",
        "label": "Flagstar Statutory Trust VIII [Member]",
        "documentation": "Flagstar Statutory Trust VIII"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarStatutoryTrustVIIMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarStatutoryTrustVIIMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Statutory Trust VII",
        "label": "Flagstar Statutory Trust VII [Member]",
        "documentation": "Flagstar Statutory Trust VII"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarStatutoryTrustVIMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarStatutoryTrustVIMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Statutory Trust VI",
        "label": "Flagstar Statutory Trust VI [Member]",
        "documentation": "Flagstar Statutory Trust VI"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarStatutoryTrustVMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarStatutoryTrustVMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Statutory Trust V",
        "label": "Flagstar Statutory Trust V [Member]",
        "documentation": "Flagstar Statutory Trust V"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FlagstarStatutoryTrustXMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FlagstarStatutoryTrustXMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Flagstar Statutory Trust X",
        "label": "Flagstar Statutory Trust X [Member]",
        "documentation": "Flagstar Statutory Trust X"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ForeclosedAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ForeclosedAssets",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "LGG loans, repossessed assets",
        "label": "Repossessed Assets",
        "documentation": "Carrying amount as of the balance sheet date of all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings or defeasance; includes real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts."
       }
      }
     },
     "auth_ref": [
      "r425",
      "r427"
     ]
    },
    "fbc_ForeignNotesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ForeignNotesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Foreign notes",
        "label": "Foreign Notes [Member]",
        "documentation": "Foreign Notes"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forgone Recovery due to Disqualification of Tax Benefits, Amount",
        "label": "Forgone Recovery due to Disqualification of Tax Benefits, Amount"
       }
      }
     },
     "auth_ref": [
      "r1247",
      "r1259",
      "r1269",
      "r1295"
     ]
    },
    "ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "ForgoneRecoveryDueToExpenseOfEnforcementAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forgone Recovery due to Expense of Enforcement, Amount",
        "label": "Forgone Recovery due to Expense of Enforcement, Amount"
       }
      }
     },
     "auth_ref": [
      "r1247",
      "r1259",
      "r1269",
      "r1295"
     ]
    },
    "ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "ForgoneRecoveryDueToViolationOfHomeCountryLawAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forgone Recovery due to Violation of Home Country Law, Amount",
        "label": "Forgone Recovery due to Violation of Home Country Law, Amount"
       }
      }
     },
     "auth_ref": [
      "r1247",
      "r1259",
      "r1269",
      "r1295"
     ]
    },
    "ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "ForgoneRecoveryExplanationOfImpracticabilityTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forgone Recovery, Explanation of Impracticability",
        "label": "Forgone Recovery, Explanation of Impracticability [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1247",
      "r1259",
      "r1269",
      "r1295"
     ]
    },
    "ecd_ForgoneRecoveryIndName": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "ForgoneRecoveryIndName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Forgone Recovery, Individual Name"
       }
      }
     },
     "auth_ref": [
      "r1247",
      "r1259",
      "r1269",
      "r1295"
     ]
    },
    "fbc_ForwardCommitmentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ForwardCommitmentsMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forward commitments",
        "label": "Forward Commitments [Member]",
        "documentation": "Forward Commitments"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FourthFundsTargetsInvestmentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FourthFundsTargetsInvestmentsMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fourth Funds Targets Investments",
        "label": "Fourth Funds Targets Investments [Member]",
        "documentation": "Fourth Funds Targets Investments"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_FurnitureFixturesAndEquipmentBuildingImprovementsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "FurnitureFixturesAndEquipmentBuildingImprovementsMember",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Furniture, fixtures and equipment, and building improvements",
        "label": "Furniture, Fixtures and Equipment, Building Improvements [Member]",
        "documentation": "Furniture, Fixtures and Equipment, Building Improvements"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_FutureMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "FutureMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Futures",
        "label": "Future [Member]",
        "documentation": "Futures contracts are forward-based contracts to make or take delivery of a specified financial instrument, foreign currency, or commodity at a specified future date or during a specified period at as specified price or yield. Futures are standardized contracts traded on an organized exchange."
       }
      }
     },
     "auth_ref": [
      "r1008",
      "r1012",
      "r1017",
      "r1034",
      "r1040",
      "r1104",
      "r1215",
      "r1216",
      "r1217",
      "r1485"
     ]
    },
    "us-gaap_GainLossOnOilAndGasHedgingActivity": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GainLossOnOilAndGasHedgingActivity",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gain on MSR derivatives",
        "label": "Gain (Loss) on Hedging Activity",
        "documentation": "Gain (loss) incurred in hedging activities."
       }
      }
     },
     "auth_ref": [
      "r140"
     ]
    },
    "fbc_GainLossOnSaleOfFinancingReceivableMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "GainLossOnSaleOfFinancingReceivableMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net gain on loan sales",
        "label": "Gain (Loss) on Sale of Financing Receivable [Member]",
        "documentation": "Represents the net gain on loan sales."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_GainLossOnSaleOfNotesReceivable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GainLossOnSaleOfNotesReceivable",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 8.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 17.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net gain on loan sales and securitizations",
        "negatedTerseLabel": "Net gain on sales of loans",
        "label": "Gain (Loss) on Sale of Financing Receivable",
        "documentation": "Amount of gain (loss) on sale of financing receivable."
       }
      }
     },
     "auth_ref": [
      "r858"
     ]
    },
    "us-gaap_GainLossOnSaleOfPropertyPlantEquipment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GainLossOnSaleOfPropertyPlantEquipment",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Net gain on sales of fixed assets",
        "label": "Gain (Loss) on Disposition of Property Plant Equipment",
        "documentation": "Amount of gain (loss) on sale or disposal of property, plant and equipment assets, including oil and gas property and timber property."
       }
      }
     },
     "auth_ref": [
      "r16"
     ]
    },
    "us-gaap_GeneralAndAdministrativeExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GeneralAndAdministrativeExpense",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_OperatingCostsAndExpenses",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "General and administrative",
        "label": "General and Administrative Expense",
        "documentation": "The aggregate total of expenses of managing and administering the affairs of an entity, including affiliates of the reporting entity, which are not directly or indirectly associated with the manufacture, sale or creation of a product or product line."
       }
      }
     },
     "auth_ref": [
      "r202",
      "r1028"
     ]
    },
    "us-gaap_Goodwill": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "Goodwill",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/IntangibleAssetsGoodwillDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Goodwill",
        "periodStartLabel": "Balance at December 31, 2022",
        "periodEndLabel": "Balance at December 31, 2023",
        "label": "Goodwill",
        "documentation": "Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized."
       }
      }
     },
     "auth_ref": [
      "r325",
      "r526",
      "r906",
      "r1191",
      "r1213",
      "r1442",
      "r1449"
     ]
    },
    "us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GoodwillAndIntangibleAssetsDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Goodwill and Intangible Assets Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GoodwillAndIntangibleAssetsGoodwillPolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Goodwill",
        "label": "Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for goodwill. This accounting policy also may address how an entity assesses and measures impairment of goodwill, how reporting units are determined, how goodwill is allocated to such units, and how the fair values of the reporting units are determined."
       }
      }
     },
     "auth_ref": [
      "r525",
      "r529",
      "r1191"
     ]
    },
    "us-gaap_GoodwillImpairmentLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GoodwillImpairmentLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestExpense",
       "weight": 1.0,
       "order": 4.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/IntangibleAssetsGoodwillDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Goodwill impairment",
        "label": "Goodwill, Impairment Loss",
        "documentation": "Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized."
       }
      }
     },
     "auth_ref": [
      "r16",
      "r527",
      "r528",
      "r529",
      "r1191"
     ]
    },
    "us-gaap_GoodwillRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GoodwillRollForward",
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsGoodwillDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Goodwill [Roll Forward]",
        "label": "Goodwill [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_GuaranteeObligationsByNatureAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GuaranteeObligationsByNatureAxis",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Guarantor Obligations, Nature [Axis]",
        "label": "Guarantor Obligations, Nature [Axis]",
        "documentation": "Information by nature of guarantee."
       }
      }
     },
     "auth_ref": [
      "r547",
      "r548",
      "r549",
      "r550"
     ]
    },
    "us-gaap_GuaranteeObligationsCurrentCarryingValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GuaranteeObligationsCurrentCarryingValue",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total Outstanding Amount",
        "label": "Guarantor Obligations, Current Carrying Value",
        "documentation": "The current carrying amount of the liability for the freestanding or embedded guarantor's obligations under the guarantee or each group of similar guarantees."
       }
      }
     },
     "auth_ref": [
      "r549"
     ]
    },
    "us-gaap_GuaranteeObligationsMaximumExposure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GuaranteeObligationsMaximumExposure",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails": {
       "parentTag": "fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails",
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commercial, performance stand-by, and financial stand-by letters of credit",
        "verboseLabel": "Maximum Potential Amount of Future Payments",
        "label": "Guarantor Obligations, Maximum Exposure, Undiscounted",
        "documentation": "Maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee or each group of similar guarantees before reduction for potential recoveries under recourse or collateralization provisions."
       }
      }
     },
     "auth_ref": [
      "r548"
     ]
    },
    "us-gaap_GuaranteeObligationsNatureDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GuaranteeObligationsNatureDomain",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Guarantor Obligations, Nature [Domain]",
        "label": "Guarantor Obligations, Nature [Domain]",
        "documentation": "Represents a description of the nature of the guarantee or each group of similar guarantees."
       }
      }
     },
     "auth_ref": [
      "r547",
      "r548",
      "r549",
      "r550"
     ]
    },
    "us-gaap_GuaranteesFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GuaranteesFairValueDisclosure",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Guarantees, fair value",
        "label": "Guarantees, Fair Value Disclosure",
        "documentation": "Fair value portion of guarantee, including, but not limited to, financial standby letter of credit, fair value guarantee, guarantee of collection of scheduled contractual cash flows from financial assets, and contracts that contingently require the guarantor to make payments or perform services."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "GuaranteesIndemnificationsAndWarrantiesPolicies",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Representation and Warranty Reserve",
        "label": "Guarantees, Indemnifications and Warranties Policies [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for guarantees, indemnifications and product warranties, and methodologies used in determining the amount of such liabilities."
       }
      }
     },
     "auth_ref": [
      "r546"
     ]
    },
    "fbc_GuarantorObligationsCurrentCarryingValueCurrent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "GuarantorObligationsCurrentCarryingValueCurrent",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails": {
       "parentTag": "us-gaap_GuaranteeObligationsCurrentCarryingValue",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expires Within One Year",
        "label": "Guarantor Obligations, Current Carrying Value, Current",
        "documentation": "Guarantor Obligations, Current Carrying Value, Current"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_GuarantorObligationsCurrentCarryingValueNoncurrent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "GuarantorObligationsCurrentCarryingValueNoncurrent",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails": {
       "parentTag": "us-gaap_GuaranteeObligationsCurrentCarryingValue",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Expires After One Year",
        "label": "Guarantor Obligations, Current Carrying Value, Noncurrent",
        "documentation": "Guarantor Obligations, Current Carrying Value, Noncurrent"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_HedgingDesignationAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "HedgingDesignationAxis",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedging Designation [Axis]",
        "label": "Hedging Designation [Axis]",
        "documentation": "Information by designation of purpose of derivative instrument."
       }
      }
     },
     "auth_ref": [
      "r32",
      "r765"
     ]
    },
    "us-gaap_HedgingDesignationDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "HedgingDesignationDomain",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedging Designation [Domain]",
        "label": "Hedging Designation [Domain]",
        "documentation": "Designation of purpose of derivative instrument."
       }
      }
     },
     "auth_ref": [
      "r32"
     ]
    },
    "us-gaap_HedgingRelationshipDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "HedgingRelationshipDomain",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Hedging Relationship [Domain]",
        "label": "Hedging Relationship [Domain]",
        "documentation": "Nature or intent of a hedge."
       }
      }
     },
     "auth_ref": [
      "r32"
     ]
    },
    "us-gaap_HeldToMaturitySecuritiesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "HeldToMaturitySecuritiesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Unrealized Loss Positions on Investment Securities Held-to-Maturity",
        "label": "Debt Securities, Held-to-Maturity [Table Text Block]",
        "documentation": "Tabular disclosure of information about investment in debt security measured at amortized cost (held-to-maturity)."
       }
      }
     },
     "auth_ref": [
      "r1408",
      "r1409",
      "r1410",
      "r1411",
      "r1412",
      "r1413",
      "r1414",
      "r1415",
      "r1416",
      "r1417",
      "r1418",
      "r1419",
      "r1420",
      "r1421",
      "r1422",
      "r1423",
      "r1424",
      "r1425"
     ]
    },
    "stpr_IN": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2023",
     "localname": "IN",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "INDIANA",
        "label": "INDIANA"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IPOMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IPOMember",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "IPO",
        "label": "IPO [Member]",
        "documentation": "First sale of stock by a private company to the public."
       }
      }
     },
     "auth_ref": []
    },
    "dei_IcfrAuditorAttestationFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "IcfrAuditorAttestationFlag",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "ICFR Auditor Attestation Flag",
        "label": "ICFR Auditor Attestation Flag"
       }
      }
     },
     "auth_ref": [
      "r1237",
      "r1238",
      "r1251"
     ]
    },
    "us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ImpairedFinancingReceivableInterestIncomeCashBasisMethod",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total nonaccrual loans - Interest Income Recognized",
        "label": "Impaired Financing Receivable, Interest Income, Cash Basis Method",
        "documentation": "Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired."
       }
      }
     },
     "auth_ref": [
      "r84"
     ]
    },
    "us-gaap_ImpairedFinancingReceivableRecordedInvestment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ImpairedFinancingReceivableRecordedInvestment",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total nonaccrual loans - Recorded Investment",
        "label": "Impaired Financing Receivable, Recorded Investment",
        "documentation": "Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses."
       }
      }
     },
     "auth_ref": [
      "r81"
     ]
    },
    "us-gaap_ImpairedFinancingReceivableRelatedAllowance": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ImpairedFinancingReceivableRelatedAllowance",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total nonaccrual loans - Related Allowance",
        "label": "Impaired Financing Receivable, Related Allowance",
        "documentation": "Amount of allowance for credit losses related to recorded investment."
       }
      }
     },
     "auth_ref": [
      "r83"
     ]
    },
    "us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails": {
       "parentTag": "us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Nonaccrual loans with no related allowance - Interest Income Recognized",
        "label": "Impaired Financing Receivable, with No Related Allowance, Interest Income, Cash Basis Method",
        "documentation": "Amount of interest income, recognized on cash basis, on financing receivables, for which there is no related allowance for credit losses and are recognized as impaired."
       }
      }
     },
     "auth_ref": [
      "r84"
     ]
    },
    "us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails": {
       "parentTag": "us-gaap_ImpairedFinancingReceivableRecordedInvestment",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Nonaccrual loans with no related allowance - Recorded Investment",
        "label": "Impaired Financing Receivable, with No Related Allowance, Recorded Investment",
        "documentation": "Amount of investment in impaired financing receivables for which there is no related allowance for credit losses."
       }
      }
     },
     "auth_ref": [
      "r81"
     ]
    },
    "us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails": {
       "parentTag": "us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Nonaccrual loans with an allowance recorded - Interest Income Recognized",
        "label": "Impaired Financing Receivable, with Related Allowance, Interest Income, Cash Basis Method",
        "documentation": "Amount of interest income on financing receivables, for which there is a related allowance for credit losses, recognized on a cash-basis method of accounting that the financing receivables were impaired."
       }
      }
     },
     "auth_ref": [
      "r84"
     ]
    },
    "us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails": {
       "parentTag": "us-gaap_ImpairedFinancingReceivableRecordedInvestment",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Nonaccrual loans with an allowance recorded - Recorded Investment",
        "label": "Impaired Financing Receivable, with Related Allowance, Recorded Investment",
        "documentation": "Amount of investment in impaired financing receivables for which there is a related allowance for credit losses."
       }
      }
     },
     "auth_ref": [
      "r81"
     ]
    },
    "us-gaap_ImpairedFinancingReceivablesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ImpairedFinancingReceivablesTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Additional Information about Nonaccrual Loans",
        "label": "Impaired Financing Receivables [Table Text Block]",
        "documentation": "Tabular disclosure of impaired financing receivables."
       }
      }
     },
     "auth_ref": [
      "r82"
     ]
    },
    "fbc_ImpairedLoansFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ImpairedLoansFairValueDisclosure",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certain impaired loans",
        "label": "Impaired Loans, Fair Value Disclosure",
        "documentation": "Impaired Loans, Fair Value Disclosure"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails": {
       "parentTag": "us-gaap_NetIncomeLoss",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "(Loss) Income before income taxes",
        "terseLabel": "Income before income tax benefit and equity in undistributed\u2028 (loss) earnings of subsidiaries",
        "label": "Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest",
        "documentation": "Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest."
       }
      }
     },
     "auth_ref": [
      "r0",
      "r198",
      "r256",
      "r413",
      "r416",
      "r418",
      "r420",
      "r911",
      "r936",
      "r1180"
     ]
    },
    "us-gaap_IncomeLossFromSubsidiariesNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeLossFromSubsidiariesNetOfTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails": {
       "parentTag": "us-gaap_NetIncomeLoss",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity in undistributed (loss) earnings of subsidiaries",
        "negatedTerseLabel": "Equity in undistributed (loss) earnings of subsidiaries",
        "label": "Income (Loss) from Subsidiaries, Net of Tax",
        "documentation": "Amount after tax of income (loss) of subsidiary attributable to the parent entity."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncomeStatementAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeStatementAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income Statement",
        "label": "Income Statement [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncomeStatementLocationAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeStatementLocationAxis",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income Statement Location [Axis]",
        "label": "Income Statement Location [Axis]",
        "documentation": "Information by location in the income statement."
       }
      }
     },
     "auth_ref": [
      "r535",
      "r537",
      "r1029"
     ]
    },
    "us-gaap_IncomeStatementLocationDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeStatementLocationDomain",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income Statement Location [Domain]",
        "label": "Income Statement Location [Domain]",
        "documentation": "Location in the income statement."
       }
      }
     },
     "auth_ref": [
      "r537",
      "r1029"
     ]
    },
    "us-gaap_IncomeTaxDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxDisclosureAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income Tax Contingency [Line Items]",
        "label": "Income Tax Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncomeTaxDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxes"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal, State, and Local Taxes",
        "label": "Income Tax Disclosure [Text Block]",
        "documentation": "The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information."
       }
      }
     },
     "auth_ref": [
      "r373",
      "r723",
      "r730",
      "r737",
      "r743",
      "r747",
      "r751",
      "r752",
      "r753",
      "r968"
     ]
    },
    "us-gaap_IncomeTaxExpenseBenefit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxExpenseBenefit",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails": {
       "parentTag": "us-gaap_NetIncomeLoss",
       "weight": -1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "fbc_ComprehensiveIncomeLossTaxParent",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails",
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income tax expense",
        "negatedLabel": "Income tax benefit",
        "totalLabel": "Income tax expense reported in net income",
        "negatedTerseLabel": "Income tax expense",
        "label": "Income Tax Expense (Benefit)",
        "documentation": "Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations."
       }
      }
     },
     "auth_ref": [
      "r281",
      "r294",
      "r391",
      "r392",
      "r415",
      "r728",
      "r748",
      "r945"
     ]
    },
    "us-gaap_IncomeTaxPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income Taxes",
        "label": "Income Tax, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements."
       }
      }
     },
     "auth_ref": [
      "r353",
      "r726",
      "r727",
      "r737",
      "r738",
      "r742",
      "r744",
      "r962"
     ]
    },
    "us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Provision at statutory federal income tax rate",
        "label": "Effective Income Tax Rate Reconciliation at Federal Statutory Income Tax Rate, Amount",
        "documentation": "The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations."
       }
      }
     },
     "auth_ref": [
      "r729"
     ]
    },
    "us-gaap_IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-deductible goodwill impairment",
        "label": "Effective Income Tax Rate Reconciliation, Nondeductible Expense, Impairment Losses, Amount",
        "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to nondeductible impairment loss."
       }
      }
     },
     "auth_ref": [
      "r1477"
     ]
    },
    "us-gaap_IncomeTaxReconciliationOtherAdjustments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxReconciliationOtherAdjustments",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other, net",
        "label": "Effective Income Tax Rate Reconciliation, Other Adjustments, Amount",
        "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments."
       }
      }
     },
     "auth_ref": [
      "r1477"
     ]
    },
    "us-gaap_IncomeTaxReconciliationPriorYearIncomeTaxes": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxReconciliationPriorYearIncomeTaxes",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 13.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adjustments relating to prior tax years",
        "label": "Effective Income Tax Rate Reconciliation, Prior Year Income Taxes, Amount",
        "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to revisions of previously reported income tax expense (benefit)."
       }
      }
     },
     "auth_ref": [
      "r1477"
     ]
    },
    "us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxReconciliationStateAndLocalIncomeTaxes",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "State and local income taxes, net of federal income tax effect",
        "label": "Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Amount",
        "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to state and local income tax expense (benefit)."
       }
      }
     },
     "auth_ref": [
      "r1477"
     ]
    },
    "us-gaap_IncomeTaxReconciliationTaxCredits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxReconciliationTaxCredits",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": -1.0,
       "order": 10.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Federal tax credits",
        "label": "Effective Income Tax Rate Reconciliation, Tax Credit, Amount",
        "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to tax credits. Including, but not limited to, research credit, foreign tax credit, investment tax credit, and other tax credits."
       }
      }
     },
     "auth_ref": [
      "r1477"
     ]
    },
    "us-gaap_IncomeTaxReconciliationTaxExemptIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxReconciliationTaxExemptIncome",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails": {
       "parentTag": "us-gaap_IncomeTaxExpenseBenefit",
       "weight": -1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Tax Exempt income",
        "label": "Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount",
        "documentation": "Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes."
       }
      }
     },
     "auth_ref": [
      "r1477"
     ]
    },
    "us-gaap_IncomeTaxesPaid": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncomeTaxesPaid",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Cash paid for income taxes",
        "label": "Income Taxes Paid",
        "documentation": "The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income."
       }
      }
     },
     "auth_ref": [
      "r62",
      "r66"
     ]
    },
    "us-gaap_IncreaseDecreaseInDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncreaseDecreaseInDeposits",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": 1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net (decrease) increase in deposits",
        "label": "Increase (Decrease) in Deposits",
        "documentation": "The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances."
       }
      }
     },
     "auth_ref": [
      "r64",
      "r178"
     ]
    },
    "us-gaap_IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Fair value of interest rate fair value hedging instruments",
        "label": "Increase (Decrease) in Fair Value of Interest Rate Fair Value Hedging Instruments",
        "documentation": "Amount of unrealized gain (loss) related to the fair value of interest rate derivatives designated as fair value hedging instruments, as offset by the gain (loss) on the hedged item to the extent that the fair value hedge is determined to be effective."
       }
      }
     },
     "auth_ref": [
      "r140",
      "r146"
     ]
    },
    "us-gaap_IncreaseDecreaseInLoansHeldForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncreaseDecreaseInLoansHeldForSale",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 13.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Change in loans held for sale, net",
        "label": "Increase (Decrease) in Loan, Held-for-Sale",
        "documentation": "The increase (decrease) during the reporting period in the value of loans or securitized loans that are held with the intention to sell in the near future."
       }
      }
     },
     "auth_ref": [
      "r282",
      "r1381"
     ]
    },
    "us-gaap_IncreaseDecreaseInOperatingCapitalAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncreaseDecreaseInOperatingCapitalAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Changes in operating assets and liabilities:",
        "label": "Increase (Decrease) in Operating Capital [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IncreaseDecreaseInOtherOperatingAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncreaseDecreaseInOtherOperatingAssets",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "(Increase) decrease in other assets",
        "negatedTerseLabel": "Change in other assets",
        "label": "Increase (Decrease) in Other Operating Assets",
        "documentation": "Amount of increase (decrease) in operating assets classified as other."
       }
      }
     },
     "auth_ref": [
      "r15"
     ]
    },
    "us-gaap_IncreaseDecreaseInOtherOperatingCapitalNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncreaseDecreaseInOtherOperatingCapitalNet",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Other, net",
        "label": "Increase (Decrease) in Other Operating Assets and Liabilities, Net",
        "documentation": "Amount of increase (decrease) in operating assets after deduction of operating liabilities classified as other."
       }
      }
     },
     "auth_ref": [
      "r15"
     ]
    },
    "us-gaap_IncreaseDecreaseInOtherOperatingLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncreaseDecreaseInOtherOperatingLiabilities",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Decrease in other liabilities",
        "label": "Increase (Decrease) in Other Operating Liabilities",
        "documentation": "Amount of increase (decrease) in operating liabilities classified as other."
       }
      }
     },
     "auth_ref": [
      "r15"
     ]
    },
    "us-gaap_IncreaseDecreaseInStockholdersEquityRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IncreaseDecreaseInStockholdersEquityRollForward",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Increase (Decrease) in Stockholders' Equity [Roll Forward]",
        "label": "Increase (Decrease) in Stockholders' Equity [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_IncreaseInDebtSecuritiesTrading": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "IncreaseInDebtSecuritiesTrading",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Purchases of securities held for trading",
        "label": "Increase in Debt Securities, Trading",
        "documentation": "Increase in Debt Securities, Trading"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_IndividualAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "IndividualAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure",
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure",
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements",
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Individual:",
        "label": "Individual [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1250",
      "r1259",
      "r1269",
      "r1286",
      "r1295",
      "r1299",
      "r1307"
     ]
    },
    "ecd_InsiderTradingArrLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "InsiderTradingArrLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Insider Trading Arrangements [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1305"
     ]
    },
    "ecd_InsiderTradingPoliciesProcLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "InsiderTradingPoliciesProcLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Insider Trading Policies and Procedures [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1239",
      "r1311"
     ]
    },
    "ecd_InsiderTrdPoliciesProcAdoptedFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "InsiderTrdPoliciesProcAdoptedFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Insider Trading Policies and Procedures Adopted",
        "label": "Insider Trading Policies and Procedures Adopted [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1239",
      "r1311"
     ]
    },
    "ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "InsiderTrdPoliciesProcNotAdoptedTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingPoliciesProc"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Insider Trading Policies and Procedures Not Adopted",
        "label": "Insider Trading Policies and Procedures Not Adopted [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1239",
      "r1311"
     ]
    },
    "fbc_IntangibleAssetsAcquiredThroughForeclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "IntangibleAssetsAcquiredThroughForeclosure",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Taxi medallions",
        "label": "Intangible Assets Acquired Through Foreclosure",
        "documentation": "Intangible Assets Acquired Through Foreclosure"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_IntangibleAssetsDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IntangibleAssetsDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssets"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Intangible Assets",
        "label": "Intangible Assets Disclosure [Text Block]",
        "documentation": "The entire disclosure for all or part of the information related to intangible assets."
       }
      }
     },
     "auth_ref": [
      "r530"
     ]
    },
    "us-gaap_IntangibleAssetsGrossExcludingGoodwill": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IntangibleAssetsGrossExcludingGoodwill",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails": {
       "parentTag": "us-gaap_IntangibleAssetsNetExcludingGoodwill",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross Carrying Amount",
        "label": "Intangible Assets, Gross (Excluding Goodwill)",
        "documentation": "Amount before accumulated amortization of intangible assets, excluding goodwill."
       }
      }
     },
     "auth_ref": [
      "r325"
     ]
    },
    "us-gaap_IntangibleAssetsNetExcludingGoodwill": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "IntangibleAssetsNetExcludingGoodwill",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 6.0
      },
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Core deposit and other intangibles",
        "totalLabel": "Net Carrying Value",
        "label": "Intangible Assets, Net (Excluding Goodwill)",
        "documentation": "Sum of the carrying amounts of all intangible assets, excluding goodwill, as of the balance sheet date, net of accumulated amortization and impairment charges."
       }
      }
     },
     "auth_ref": [
      "r89",
      "r92"
     ]
    },
    "us-gaap_InterestAndDividendIncomeOperating": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestAndDividendIncomeOperating",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestIncomeExpenseNet",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total interest income",
        "label": "Interest and Dividend Income, Operating",
        "documentation": "Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein."
       }
      }
     },
     "auth_ref": [
      "r259",
      "r1542"
     ]
    },
    "us-gaap_InterestAndDividendIncomeOperatingAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestAndDividendIncomeOperatingAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "INTEREST INCOME:",
        "label": "Interest and Dividend Income, Operating [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestAndDividendIncomeSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestAndDividendIncomeSecurities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestAndDividendIncomeOperating",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Securities and money market investments",
        "label": "Interest and Dividend Income, Securities, Operating",
        "documentation": "Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities."
       }
      }
     },
     "auth_ref": [
      "r1536",
      "r1540"
     ]
    },
    "us-gaap_InterestAndFeeIncomeLoansAndLeases": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestAndFeeIncomeLoansAndLeases",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestAndDividendIncomeOperating",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans and leases",
        "label": "Interest and Fee Income, Loans and Leases",
        "documentation": "The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases."
       }
      }
     },
     "auth_ref": [
      "r258"
     ]
    },
    "us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestAndFeeIncomeLoansAndLeasesHeldForSale",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest , loans and leases held-for-sale",
        "label": "Interest and Fee Income, Loan and Lease, Held-for-Sale",
        "documentation": "The amount of interest and fee income earned from loans held-for-sale, including mortgage loans, and interest earned from direct financing and sales-type leases held-for-sale."
       }
      }
     },
     "auth_ref": [
      "r258"
     ]
    },
    "fbc_InterestBearingDepositBrokeredCheckingAccount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "InterestBearingDepositBrokeredCheckingAccount",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Brokered checking accounts",
        "label": "Interest-Bearing Deposit, Brokered, Checking Account",
        "documentation": "Interest-Bearing Deposit, Brokered, Checking Account"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestBearingDepositLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestBearingDepositLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": "us-gaap_Deposits",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Interest-bearing checking and money market accounts",
        "label": "Interest-Bearing Deposit Liabilities",
        "documentation": "The aggregate of all domestic and foreign interest-bearing deposit liabilities."
       }
      }
     },
     "auth_ref": [
      "r172"
     ]
    },
    "us-gaap_InterestBearingDomesticDepositBrokered": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestBearingDomesticDepositBrokered",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Brokered deposits",
        "label": "Interest-Bearing Domestic Deposit, Brokered",
        "documentation": "Amount of interest-bearing domestic third-party deposits placed by or through the assistance of a deposit broker, also known as brokered deposit liabilities."
       }
      }
     },
     "auth_ref": [
      "r172"
     ]
    },
    "fbc_InterestBearingDomesticDepositBrokeredCertificatesOfDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "InterestBearingDomesticDepositBrokeredCertificatesOfDeposits",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Brokered CDs",
        "label": "Interest-Bearing Domestic Deposit, Brokered, Certificates Of Deposits",
        "documentation": "Interest-Bearing Domestic Deposit, Brokered, Certificates Of Deposits"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_InterestBearingDomesticDepositBrokeredMoneyMarket": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "InterestBearingDomesticDepositBrokeredMoneyMarket",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Brokered money market",
        "label": "Interest-Bearing Domestic Deposit, Brokered, Money Market",
        "documentation": "Interest-Bearing Domestic Deposit, Brokered, Money Market"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestBearingDomesticDepositCertificatesOfDeposits",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsMaturitiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsMaturitiesDetails",
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certificates of deposit",
        "totalLabel": "Certificates of deposit",
        "label": "Interest-Bearing Domestic Deposit, Certificates of Deposits",
        "documentation": "Amount of interest-bearing domestic certificate of deposit liabilities."
       }
      }
     },
     "auth_ref": [
      "r172"
     ]
    },
    "us-gaap_InterestExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestExpense",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestIncomeExpenseNet",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total interest expense",
        "terseLabel": "Interest expense",
        "label": "Interest Expense",
        "documentation": "Amount of the cost of borrowed funds accounted for as interest expense."
       }
      }
     },
     "auth_ref": [
      "r167",
      "r269",
      "r357",
      "r414",
      "r806",
      "r1030",
      "r1229",
      "r1534"
     ]
    },
    "us-gaap_InterestExpenseAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestExpenseAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "INTEREST EXPENSE:",
        "label": "Interest Expense [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestExpenseDemandDepositAccounts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestExpenseDemandDepositAccounts",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestExpense",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest-bearing checking and money market accounts",
        "label": "Interest Expense, Demand Deposit Accounts",
        "documentation": "Interest expense incurred on demand deposit accounts that represent borrowings rather than outstanding drafts."
       }
      }
     },
     "auth_ref": [
      "r266"
     ]
    },
    "us-gaap_InterestExpenseFederalFundsPurchased": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestExpenseFederalFundsPurchased",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Federal funds purchased, interest expense",
        "label": "Interest Expense, Federal Funds Purchased",
        "documentation": "Gross expenses on the purchase of Federal funds at a specified price with a simultaneous agreement to sell the same to the same counterparty at a fixed or determinable price at a future date."
       }
      }
     },
     "auth_ref": [
      "r295",
      "r296"
     ]
    },
    "us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "FHLB interest expense",
        "label": "Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-Term",
        "documentation": "Interest expense incurred during the reporting period on long-term borrowings associated with Federal Home Loan Bank and Federal Reserve Bank advances."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestExpenseJuniorSubordinatedDebentures": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestExpenseJuniorSubordinatedDebentures",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Junior subordinated debenture, interest expense",
        "label": "Interest Expense, Junior Subordinated Debentures",
        "documentation": "Interest expense incurred during the reporting period on junior subordinated debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures."
       }
      }
     },
     "auth_ref": [
      "r268"
     ]
    },
    "us-gaap_InterestExpenseLongTermDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestExpenseLongTermDebt",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestExpense",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Borrowed funds",
        "label": "Interest Expense, Long-Term Debt",
        "documentation": "Aggregate amount of interest paid or due on all long-term debt."
       }
      }
     },
     "auth_ref": [
      "r268",
      "r295",
      "r296"
     ]
    },
    "us-gaap_InterestExpenseSavingsDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestExpenseSavingsDeposits",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestExpense",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Savings accounts",
        "label": "Interest Expense, Savings Deposits",
        "documentation": "Interest expense incurred on all savings account deposits."
       }
      }
     },
     "auth_ref": [
      "r266",
      "r295",
      "r296"
     ]
    },
    "us-gaap_InterestExpenseTimeDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestExpenseTimeDeposits",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestExpense",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certificates of deposit",
        "label": "Interest Expense, Time Deposits",
        "documentation": "The aggregate interest expense incurred on time deposits, including certificates of deposits, in domestic offices."
       }
      }
     },
     "auth_ref": [
      "r266",
      "r295",
      "r296"
     ]
    },
    "fbc_InterestInPreferredStock": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "InterestInPreferredStock",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest in preferred stock",
        "label": "Interest In Preferred Stock",
        "documentation": "Depositary share interest in a share of our Fixed-to-Floating Rate Non-cumulative Perpetual Preferred Stock"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestIncomeExpenseAfterProvisionForLoanLoss",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net interest income after provision for credit loan losses",
        "label": "Interest Income (Expense), after Provision for Loan Loss",
        "documentation": "Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses."
       }
      }
     },
     "auth_ref": [
      "r261"
     ]
    },
    "us-gaap_InterestIncomeExpenseNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestIncomeExpenseNet",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net interest income",
        "label": "Interest Income (Expense), Net",
        "documentation": "The net amount of operating interest income (expense)."
       }
      }
     },
     "auth_ref": [
      "r260"
     ]
    },
    "us-gaap_InterestPaidNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestPaidNet",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash paid for interest",
        "label": "Interest Paid, Excluding Capitalized Interest, Operating Activities",
        "documentation": "Amount of cash paid for interest, excluding capitalized interest, classified as operating activity. Includes, but is not limited to, payment to settle zero-coupon bond for accreted interest of debt discount and debt instrument with insignificant coupon interest rate in relation to effective interest rate of borrowing attributable to accreted interest of debt discount."
       }
      }
     },
     "auth_ref": [
      "r365",
      "r367",
      "r368"
     ]
    },
    "us-gaap_InterestPayableCurrentAndNoncurrent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestPayableCurrentAndNoncurrent",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest payable",
        "label": "Interest Payable",
        "documentation": "Amount of interest payable on debt, including, but not limited to, trade payables."
       }
      }
     },
     "auth_ref": [
      "r173",
      "r1525"
     ]
    },
    "us-gaap_InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Amount of gain (loss), net of tax, to be reclassified during the next 12 months",
        "label": "Interest Rate Cash Flow Hedge Gain (Loss) to be Reclassified During Next 12 Months, Net",
        "documentation": "The estimated net amount of unrealized gains or losses on interest rate cash flow hedges as of the balance sheet date expected to be reclassified to earnings within the next twelve months."
       }
      }
     },
     "auth_ref": [
      "r156"
     ]
    },
    "us-gaap_InterestRateLockCommitmentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestRateLockCommitmentsMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rate lock commitments (fallout-adjusted)",
        "label": "Interest Rate Lock Commitments [Member]",
        "documentation": "Commitments to extend credit where the interest rate is locked in advance of funds being disbursed for a specified period of time."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestRateSwapMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestRateSwapMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate swaps",
        "label": "Interest Rate Swap [Member]",
        "documentation": "Forward based contracts in which two parties agree to swap periodic payments that are fixed at the outset of the swap contract with variable payments based on a market interest rate (index rate) over a specified period."
       }
      }
     },
     "auth_ref": [
      "r1167",
      "r1222",
      "r1223"
     ]
    },
    "fbc_InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate swaps on multi-family loans held for investment(1)",
        "label": "Interest Rate Swap On Multi-Family Loans Held For Investment [Member]",
        "documentation": "Interest Rate Swap On Multi-Family Loans Held For Investment"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_InterestRateSwapsFHLBAdvancesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "InterestRateSwapsFHLBAdvancesMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNarrativeDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate swaps",
        "label": "Interest Rate Swaps, FHLB Advances [Member]",
        "documentation": "Interest Rate Swaps, FHLB Advances [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_InterestRateSwapsandSwaptionsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "InterestRateSwapsandSwaptionsMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Interest rate swaps and swaptions",
        "terseLabel": "Interest rate swaps and swaptions",
        "label": "Interest Rate Swaps and Swaptions [Member]",
        "documentation": "Interest Rate Swaps and Swaptions [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InterestRateSwaptionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InterestRateSwaptionMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest rate swaptions",
        "label": "Interest Rate Swaption [Member]",
        "documentation": "An option granting the owner the right but not the obligation to enter into an interest rate swap."
       }
      }
     },
     "auth_ref": [
      "r1167"
     ]
    },
    "us-gaap_InternalCreditAssessmentAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InternalCreditAssessmentAxis",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Internal Credit Assessment [Axis]",
        "label": "Internal Credit Assessment [Axis]",
        "documentation": "Information by entity-defined rating."
       }
      }
     },
     "auth_ref": [
      "r85",
      "r766",
      "r1187",
      "r1188",
      "r1437"
     ]
    },
    "us-gaap_InternalCreditAssessmentDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InternalCreditAssessmentDomain",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Internal Credit Assessment [Domain]",
        "label": "Internal Credit Assessment [Domain]",
        "documentation": "Entity defined credit risk rating."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InvestmentPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InvestmentPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Securities and Equity Investments with Readily Determinable Fair Values",
        "label": "Investment, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for investment in financial asset."
       }
      }
     },
     "auth_ref": [
      "r942",
      "r958",
      "r959",
      "r960",
      "r961",
      "r1069",
      "r1071"
     ]
    },
    "us-gaap_InvestmentTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InvestmentTypeAxis",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investment Type [Axis]",
        "label": "Investment Type [Axis]",
        "documentation": "Information by type of investments."
       }
      }
     },
     "auth_ref": [
      "r983",
      "r985",
      "r986",
      "r989",
      "r992",
      "r1049",
      "r1058",
      "r1075",
      "r1083",
      "r1096",
      "r1115",
      "r1116",
      "r1136",
      "r1140",
      "r1141",
      "r1142",
      "r1143",
      "r1217"
     ]
    },
    "us-gaap_InvestmentTypeCategorizationMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InvestmentTypeCategorizationMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investments [Domain]",
        "label": "Investments [Domain]",
        "documentation": "Asset obtained to generate income or appreciate in value."
       }
      }
     },
     "auth_ref": [
      "r983",
      "r985",
      "r986",
      "r989",
      "r992",
      "r1049",
      "r1058",
      "r1075",
      "r1083",
      "r1096",
      "r1115",
      "r1116",
      "r1136",
      "r1140",
      "r1141",
      "r1142",
      "r1143",
      "r1217"
     ]
    },
    "us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InvestmentsClassifiedByContractualMaturityDateTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity",
        "label": "Investments Classified by Contractual Maturity Date [Table Text Block]",
        "documentation": "Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InvestmentsDebtAndEquitySecuritiesAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investments, Debt and Equity Securities [Abstract]",
        "label": "Investments, Debt and Equity Securities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Investments in subsidiaries",
        "label": "Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures",
        "documentation": "Amount of investment in equity method investee and investment in and advance to affiliate."
       }
      }
     },
     "auth_ref": [
      "r1371"
     ]
    },
    "us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecurities"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Investment Securities",
        "label": "Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]",
        "documentation": "The entire disclosure for investments in certain debt and equity securities."
       }
      }
     },
     "auth_ref": [
      "r244",
      "r270",
      "r273",
      "r298",
      "r439",
      "r441",
      "r790",
      "r791"
     ]
    },
    "us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_LongTermDebt",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Junior subordinated debentures",
        "verboseLabel": "Junior Subordinated Notes",
        "label": "Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust",
        "documentation": "Including the current and noncurrent portions, the carrying value of junior subordinated long-term debt owed to unconsolidated subsidiary trusts as of the balance sheet date. Such debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets and was initially scheduled to be repaid after one year or beyond the normal operating cycle if longer."
       }
      }
     },
     "auth_ref": [
      "r175",
      "r1526"
     ]
    },
    "fbc_JuniorSubordinatedDebenturesDividendsTerm": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "JuniorSubordinatedDebenturesDividendsTerm",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Deferrable term",
        "label": "Junior Subordinated Debentures, Dividends, Term",
        "documentation": "Junior Subordinated Debentures, Dividends, Term"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_JuniorSubordinatedDebtMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "JuniorSubordinatedDebtMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Junior subordinated debentures",
        "label": "Junior Subordinated Debt [Member]",
        "documentation": "Borrowing that has a lower priority than senior instruments in event of liquidation of the entity's assets."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LaborAndRelatedExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LaborAndRelatedExpense",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_OperatingCostsAndExpenses",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation and benefits",
        "label": "Labor and Related Expense",
        "documentation": "Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit."
       }
      }
     },
     "auth_ref": [
      "r1377"
     ]
    },
    "us-gaap_LeaseCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LeaseCost",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total lease cost",
        "label": "Lease, Cost",
        "documentation": "Amount of lease cost recognized by lessee for lease contract."
       }
      }
     },
     "auth_ref": [
      "r815",
      "r1212"
     ]
    },
    "us-gaap_LeaseCostTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LeaseCostTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Lease Cost Information",
        "label": "Lease, Cost [Table Text Block]",
        "documentation": "Tabular disclosure of lessee's lease cost. Includes, but is not limited to, interest expense for finance lease, amortization of right-of-use asset for finance lease, operating lease cost, short-term lease cost, variable lease cost and sublease income."
       }
      }
     },
     "auth_ref": [
      "r1496"
     ]
    },
    "fbc_LeaseFinancingLoansMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "LeaseFinancingLoansMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Lease financing",
        "label": "Lease Financing Loans [Member]",
        "documentation": "Lease Financing Loans"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LeaseholdImprovementsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LeaseholdImprovementsMember",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Leasehold improvements",
        "label": "Leasehold Improvements [Member]",
        "documentation": "Additions or improvements to assets held under a lease arrangement."
       }
      }
     },
     "auth_ref": [
      "r218"
     ]
    },
    "us-gaap_LeasesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LeasesAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Leases [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LesseeLeasesPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeLeasesPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Lessee Arrangements",
        "label": "Lessee, Leases [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for leasing arrangement entered into by lessee."
       }
      }
     },
     "auth_ref": [
      "r814"
     ]
    },
    "us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseLiabilityMaturityTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Minimum Contractual Lease Obligations",
        "label": "Lessee, Operating Lease, Liability, to be Paid, Maturity [Table Text Block]",
        "documentation": "Tabular disclosure of undiscounted cash flows of lessee's operating lease liability. Includes, but is not limited to, reconciliation of undiscounted cash flows to operating lease liability recognized in statement of financial position."
       }
      }
     },
     "auth_ref": [
      "r1497"
     ]
    },
    "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseLiabilityPaymentsDue",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      },
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total lease payments",
        "label": "Lessee, Operating Lease, Liability, to be Paid",
        "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease."
       }
      }
     },
     "auth_ref": [
      "r820"
     ]
    },
    "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails": {
       "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Thereafter",
        "label": "Lessee, Operating Lease, Liability, to be Paid, after Year Five",
        "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease due after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r820"
     ]
    },
    "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails": {
       "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024",
        "label": "Lessee, Operating Lease, Liability, to be Paid, Year One",
        "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r820"
     ]
    },
    "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseLiabilityPaymentsDueYearFive",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails": {
       "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2028",
        "label": "Lessee, Operating Lease, Liability, to be Paid, Year Five",
        "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r820"
     ]
    },
    "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseLiabilityPaymentsDueYearFour",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails": {
       "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2027",
        "label": "Lessee, Operating Lease, Liability, to be Paid, Year Four",
        "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r820"
     ]
    },
    "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseLiabilityPaymentsDueYearThree",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails": {
       "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2026",
        "label": "Lessee, Operating Lease, Liability, to be Paid, Year Three",
        "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r820"
     ]
    },
    "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseLiabilityPaymentsDueYearTwo",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails": {
       "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2025",
        "label": "Lessee, Operating Lease, Liability, to be Paid, Year Two",
        "documentation": "Amount of lessee's undiscounted obligation for lease payment for operating lease to be paid in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r820"
     ]
    },
    "us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseLiabilityUndiscountedExcessAmount",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1": {
       "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Less: imputed interest",
        "label": "Lessee, Operating Lease, Liability, Undiscounted Excess Amount",
        "documentation": "Amount of lessee's undiscounted obligation for lease payments in excess of discounted obligation for lease payments for operating lease."
       }
      }
     },
     "auth_ref": [
      "r820"
     ]
    },
    "us-gaap_LesseeOperatingLeaseTermOfContract": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeaseTermOfContract",
     "presentation": [
      "http://www.flagstar.com/role/LeasesLeaseArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Term of contract",
        "label": "Lessee, Operating Lease, Term of Contract",
        "documentation": "Term of lessee's operating lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r1495"
     ]
    },
    "us-gaap_LesseeOperatingLeasesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LesseeOperatingLeasesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/Leases"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Leases",
        "label": "Lessee, Operating Leases [Text Block]",
        "documentation": "The entire disclosure for operating leases of lessee. Includes, but is not limited to, description of operating lease and maturity analysis of operating lease liability."
       }
      }
     },
     "auth_ref": [
      "r809"
     ]
    },
    "us-gaap_LessorDirectFinancingLeaseTermOfContract1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LessorDirectFinancingLeaseTermOfContract1",
     "presentation": [
      "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Term of lease",
        "label": "Lessor, Direct Financing Lease, Term of Contract",
        "documentation": "Term of lessor's direct financing lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r1498"
     ]
    },
    "us-gaap_LessorDirectFinancingLeasesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LessorDirectFinancingLeasesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/Leases"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Leases",
        "label": "Lessor, Direct Financing Leases [Text Block]",
        "documentation": "The entire disclosure of lessor's direct financing leases."
       }
      }
     },
     "auth_ref": [
      "r821"
     ]
    },
    "us-gaap_LessorLeaseDescriptionLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LessorLeaseDescriptionLineItems",
     "presentation": [
      "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Lessor, Lease, Description [Line Items]",
        "label": "Lessor, Lease, Description [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r824"
     ]
    },
    "us-gaap_LessorLeaseDescriptionTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LessorLeaseDescriptionTable",
     "presentation": [
      "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Lessor, Lease, Description [Table]",
        "label": "Lessor, Lease, Description [Table]",
        "documentation": "Disclosure of information about lessor's leases."
       }
      }
     },
     "auth_ref": [
      "r824"
     ]
    },
    "us-gaap_LessorLeasesPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LessorLeasesPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Lessor Arrangements",
        "label": "Lessor, Leases [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for leasing arrangements entered into by lessor."
       }
      }
     },
     "auth_ref": [
      "r285",
      "r286",
      "r287",
      "r822"
     ]
    },
    "us-gaap_Liabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "Liabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total liabilities",
        "label": "Liabilities",
        "documentation": "Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future."
       }
      }
     },
     "auth_ref": [
      "r46",
      "r372",
      "r476",
      "r551",
      "r552",
      "r553",
      "r554",
      "r555",
      "r556",
      "r557",
      "r558",
      "r559",
      "r759",
      "r761",
      "r762",
      "r795",
      "r1002",
      "r1179",
      "r1231",
      "r1458",
      "r1504",
      "r1505"
     ]
    },
    "us-gaap_LiabilitiesAndStockholdersEquity": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LiabilitiesAndStockholdersEquity",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total liabilities and stockholders\u2019 equity",
        "label": "Liabilities and Equity",
        "documentation": "Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any."
       }
      }
     },
     "auth_ref": [
      "r191",
      "r252",
      "r933",
      "r1213",
      "r1386",
      "r1431",
      "r1492"
     ]
    },
    "us-gaap_LiabilitiesAndStockholdersEquityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LiabilitiesAndStockholdersEquityAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "LIABILITIES AND STOCKHOLDERS' EQUITY:",
        "label": "Liabilities and Equity [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LiabilitiesFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LiabilitiesFairValueDisclosure",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total liabilities at fair value",
        "label": "Liabilities, Fair Value Disclosure",
        "documentation": "Fair value of financial and nonfinancial obligations."
       }
      }
     },
     "auth_ref": [
      "r157"
     ]
    },
    "us-gaap_LiabilitiesFairValueDisclosureAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LiabilitiesFairValueDisclosureAbstract",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Liabilities:",
        "label": "Liabilities, Fair Value Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LineOfCreditFacilityRemainingBorrowingCapacity",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unused lines of credit available",
        "label": "Line of Credit Facility, Remaining Borrowing Capacity",
        "documentation": "Amount of borrowing capacity currently available under the credit facility (current borrowing capacity less the amount of borrowings outstanding)."
       }
      }
     },
     "auth_ref": [
      "r45"
     ]
    },
    "fbc_LoanAdministrationIncomeExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "LoanAdministrationIncomeExpense",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Net loan administration income",
        "label": "Loan Administration Income (Expense)",
        "documentation": "Loan Administration Income (Expense)"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LoanRestructuringModificationAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LoanRestructuringModificationAxis",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan Restructuring Modification [Axis]",
        "label": "Loan Restructuring Modification [Axis]",
        "documentation": "Information by concessions made to the terms of loan contracts."
       }
      }
     },
     "auth_ref": [
      "r433",
      "r434",
      "r437",
      "r1181"
     ]
    },
    "us-gaap_LoanRestructuringModificationDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LoanRestructuringModificationDomain",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan Restructuring Modification [Domain]",
        "label": "Loan Restructuring Modification [Domain]",
        "documentation": "Concessions made to the terms of loan contracts, including but not limited to, interest rate reductions, maturity extensions, principal forgiveness, and payment deferral."
       }
      }
     },
     "auth_ref": [
      "r433",
      "r434",
      "r437",
      "r1181"
     ]
    },
    "us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LoansAndLeasesReceivableMortgageBankingActivitiesPolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage Servicing Rights",
        "label": "Mortgage Banking Activity [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for the lending, securitization, sales, transfers and servicing practices for mortgage banking activities."
       }
      }
     },
     "auth_ref": [
      "r1150"
     ]
    },
    "us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Servicing Fee Income",
        "label": "Financing Receivable, Fee and Interest Income [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for method for recognizing interest income and amortizing deferred fee or cost of financing receivable. Includes, but is not limited to, treatment of fee, cost, premium and discount."
       }
      }
     },
     "auth_ref": [
      "r429"
     ]
    },
    "us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Repossessed Assets",
        "label": "Financing Receivable, Real Estate Acquired Through Foreclosure [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for real estate acquired through foreclosure."
       }
      }
     },
     "auth_ref": [
      "r423"
     ]
    },
    "us-gaap_LoansHeldForSaleFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LoansHeldForSaleFairValueDisclosure",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held-for-sale",
        "label": "Loan, Held-for-Sale, Fair Value Disclosure",
        "documentation": "Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_LoansHeldForSaleMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "LoansHeldForSaleMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held-for-sale",
        "label": "Loans Held-For-Sale [Member]",
        "documentation": "Loans that are intended to be sold into the secondary market on a whole loan basis or by securitizing the loans into securities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LoansReceivableFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LoansReceivableFairValueDisclosure",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans and leases held for investment, net",
        "label": "Loans Receivable, Fair Value Disclosure",
        "documentation": "Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts."
       }
      }
     },
     "auth_ref": [
      "r77"
     ]
    },
    "us-gaap_LoansReceivableHeldForSaleAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LoansReceivableHeldForSaleAmount",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails": {
       "parentTag": "fbc_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loans held for sale ($902 and $1,115 measured at fair value, respectively)",
        "verboseLabel": "Loans held-for-sale",
        "label": "Financing Receivable, Held-for-Sale",
        "documentation": "Amount, before valuation allowance, of financing receivable classified as held-for-sale."
       }
      }
     },
     "auth_ref": [
      "r424",
      "r1149"
     ]
    },
    "dei_LocalPhoneNumber": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Local Phone Number",
        "label": "Local Phone Number",
        "documentation": "Local phone number for entity."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LongTermDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LongTermDebt",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Liabilities",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total borrowed funds",
        "terseLabel": "Long-term debt",
        "label": "Long-Term Debt",
        "documentation": "Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation."
       }
      }
     },
     "auth_ref": [
      "r43",
      "r251",
      "r573",
      "r587",
      "r1193",
      "r1194",
      "r1526"
     ]
    },
    "us-gaap_LongTermDebtFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LongTermDebtFairValue",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Borrowed funds",
        "label": "Long-Term Debt, Fair Value",
        "documentation": "The fair value amount of long-term debt whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_LongtermDebtTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LongtermDebtTypeAxis",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Long-term Debt, Type [Axis]",
        "label": "Long-Term Debt, Type [Axis]",
        "documentation": "Information by type of long-term debt."
       }
      }
     },
     "auth_ref": [
      "r48"
     ]
    },
    "us-gaap_LongtermDebtTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "LongtermDebtTypeDomain",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Long-term Debt, Type [Domain]",
        "label": "Long-Term Debt, Type [Domain]",
        "documentation": "Type of long-term debt arrangement, such as notes, line of credit, commercial paper, asset-based financing, project financing, letter of credit financing. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the company, if longer."
       }
      }
     },
     "auth_ref": [
      "r48",
      "r96"
     ]
    },
    "us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Servicing Assets and Servicing Liabilities Risk [Axis]",
        "label": "Servicing Assets and Servicing Liabilities Risk [Axis]",
        "documentation": "Information by type of risks inherent in servicing assets and servicing liabilities."
       }
      }
     },
     "auth_ref": [
      "r169"
     ]
    },
    "us-gaap_MarketableSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MarketableSecurities",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Fair Value",
        "label": "Marketable Securities",
        "documentation": "Amount of investment in marketable security."
       }
      }
     },
     "auth_ref": [
      "r177",
      "r1372"
     ]
    },
    "us-gaap_MarketableSecuritiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MarketableSecuritiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Securities",
        "label": "Marketable Securities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_MarketableSecuritiesGrossUnrealizedGain": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MarketableSecuritiesGrossUnrealizedGain",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Gross Unrealized Gain",
        "label": "Marketable Securities Gross Unrealized Gain",
        "documentation": "Marketable Securities Gross Unrealized Gain"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_MarketableSecuritiesGrossUnrealizedLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MarketableSecuritiesGrossUnrealizedLoss",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Gross Unrealized Loss",
        "label": "Marketable Securities Gross Unrealized Loss",
        "documentation": "Marketable Securities Gross Unrealized Loss"
       }
      }
     },
     "auth_ref": []
    },
    "srt_MaximumMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "MaximumMember",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Maximum",
        "label": "Maximum [Member]",
        "documentation": "Upper limit of the provided range."
       }
      }
     },
     "auth_ref": [
      "r542",
      "r543",
      "r544",
      "r545",
      "r673",
      "r890",
      "r946",
      "r993",
      "r994",
      "r1052",
      "r1073",
      "r1079",
      "r1080",
      "r1126",
      "r1165",
      "r1166",
      "r1181",
      "r1197",
      "r1209",
      "r1214",
      "r1462",
      "r1506",
      "r1507",
      "r1508",
      "r1510",
      "r1511",
      "r1512"
     ]
    },
    "ecd_MeasureAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "MeasureAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measure:",
        "label": "Measure [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1278"
     ]
    },
    "ecd_MeasureName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "MeasureName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Measure Name"
       }
      }
     },
     "auth_ref": [
      "r1278"
     ]
    },
    "us-gaap_MeasurementInputConstantPrepaymentRateMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MeasurementInputConstantPrepaymentRateMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Constant prepayment rate",
        "label": "Measurement Input, Constant Prepayment Rate [Member]",
        "documentation": "Measurement input using principal prepayment as proportion of outstanding loan principal at constant rate."
       }
      }
     },
     "auth_ref": [
      "r1489"
     ]
    },
    "us-gaap_MeasurementInputDefaultRateMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MeasurementInputDefaultRateMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Constant default rates",
        "label": "Measurement Input, Default Rate [Member]",
        "documentation": "Measurement input using likelihood loan will not be repaid as proportion of outstanding loan."
       }
      }
     },
     "auth_ref": [
      "r1489"
     ]
    },
    "us-gaap_MeasurementInputExpectedTermMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MeasurementInputExpectedTermMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average life",
        "label": "Measurement Input, Expected Term [Member]",
        "documentation": "Measurement input using period financial instrument is expected to be outstanding. Excludes maturity date."
       }
      }
     },
     "auth_ref": [
      "r1489"
     ]
    },
    "us-gaap_MeasurementInputOptionVolatilityMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MeasurementInputOptionVolatilityMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Option adjusted spread",
        "label": "Measurement Input, Option Volatility [Member]",
        "documentation": "Measurement input using rate at which price of option increases (decreases) for given set of returns."
       }
      }
     },
     "auth_ref": [
      "r1489"
     ]
    },
    "fbc_MeasurementInputOriginationPullThroughMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MeasurementInputOriginationPullThroughMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Origination pull-through rate",
        "label": "Measurement Input, Origination Pull-Through [Member]",
        "documentation": "Origination - Pull Through [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_MeasurementInputTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MeasurementInputTypeAxis",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Input Type [Axis]",
        "label": "Measurement Input Type [Axis]",
        "documentation": "Information by type of measurement input used to determine value of asset and liability."
       }
      }
     },
     "auth_ref": [
      "r783"
     ]
    },
    "us-gaap_MeasurementInputTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MeasurementInputTypeDomain",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Input Type [Domain]",
        "label": "Measurement Input Type [Domain]",
        "documentation": "Measurement input used to determine value of asset and liability."
       }
      }
     },
     "auth_ref": []
    },
    "srt_MinimumMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "MinimumMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum",
        "label": "Minimum [Member]",
        "documentation": "Lower limit of the provided range."
       }
      }
     },
     "auth_ref": [
      "r542",
      "r543",
      "r544",
      "r545",
      "r673",
      "r890",
      "r946",
      "r993",
      "r994",
      "r1052",
      "r1073",
      "r1079",
      "r1080",
      "r1126",
      "r1165",
      "r1166",
      "r1181",
      "r1197",
      "r1209",
      "r1214",
      "r1462",
      "r1506",
      "r1507",
      "r1508",
      "r1510",
      "r1511",
      "r1512"
     ]
    },
    "ecd_MnpiDiscTimedForCompValFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "MnpiDiscTimedForCompValFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "MNPI Disclosure Timed for Compensation Value",
        "label": "MNPI Disclosure Timed for Compensation Value [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1298"
     ]
    },
    "fbc_MortgageBackedSecuritiesAndOtherSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MortgageBackedSecuritiesAndOtherSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage Backed Securities And Other Securities",
        "verboseLabel": "Total debt securities available for sale",
        "label": "Mortgage Backed Securities And Other Securities [Member]",
        "documentation": "Mortgage Backed Securities And Other Securities"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Label CMOs",
        "label": "Mortgage-Backed Securities, Issued by Private Enterprises [Member]",
        "documentation": "Debt securities collateralized by real estate mortgage loans (mortgages), issued by non-governmental sponsored enterprises."
       }
      }
     },
     "auth_ref": [
      "r1402",
      "r1403",
      "r1408",
      "r1413",
      "r1421",
      "r1469"
     ]
    },
    "us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "GSE certificates",
        "label": "Mortgage-Backed Securities, Issued by US Government Sponsored Enterprises [Member]",
        "documentation": "Debt securities collateralized by real estate mortgage loans (mortgages), issued by US Government Sponsored Enterprises, such as Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac)."
       }
      }
     },
     "auth_ref": [
      "r1403",
      "r1413",
      "r1421",
      "r1469"
     ]
    },
    "us-gaap_MortgageBackedSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MortgageBackedSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage- Related Securities",
        "verboseLabel": "Mortgage-related Debt Securities Available for Sale:",
        "label": "Collateralized Mortgage-Backed Securities [Member]",
        "documentation": "Securities collateralized by mortgage loans."
       }
      }
     },
     "auth_ref": [
      "r1199",
      "r1200",
      "r1201",
      "r1402",
      "r1403",
      "r1408",
      "r1413",
      "r1421",
      "r1529"
     ]
    },
    "us-gaap_MortgageBackedSecuritiesOtherMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MortgageBackedSecuritiesOtherMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage-backed securities forwards",
        "verboseLabel": "Mortgage-backed securities forwards",
        "label": "Mortgage-Backed Securities, Other [Member]",
        "documentation": "Securities collateralized by other mortgage loans."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_MortgageLoansHeldForInvestmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MortgageLoansHeldForInvestmentMember",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage Loans",
        "verboseLabel": "Mortgage",
        "label": "Mortgage Loans Held for Investment [Member]",
        "documentation": "Mortgage Loans Held for Investment"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_MortgageLoansInProcessOfForeclosureAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MortgageLoansInProcessOfForeclosureAmount",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Residential mortgage loans in process of foreclosure",
        "label": "Mortgage Loans in Process of Foreclosure, Amount",
        "documentation": "Recorded investment of consumer mortgage loan receivables secured by residential real estate properties for which formal foreclosure proceedings are in process."
       }
      }
     },
     "auth_ref": [
      "r36"
     ]
    },
    "us-gaap_MortgageServicingRightsMSRImpairmentRecovery": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MortgageServicingRightsMSRImpairmentRecovery",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": -1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Net return on mortgage servicing rights",
        "label": "Mortgage Servicing Rights (MSR) Impairment (Recovery)",
        "documentation": "The adjustment to the carrying value of the rights retained or purchased to service mortgages. These adjustments are made when the estimate of the fair value is changed. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method."
       }
      }
     },
     "auth_ref": [
      "r1332",
      "r1382"
     ]
    },
    "fbc_MortgageServicingRightsMSRImpairmentRecoveryMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MortgageServicingRightsMSRImpairmentRecoveryMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net return on mortgage servicing rights",
        "label": "Mortgage Servicing Rights (MSR) Impairment (Recovery) [Member]",
        "documentation": "Represents the net return on mortgage servicing asset."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_MortgageServicingRightsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MortgageServicingRightsMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Mortgage servicing rights",
        "terseLabel": "Residential Mortgage Servicing Rights",
        "label": "Mortgage Servicing Rights [Member]",
        "documentation": "Derivative assets or liabilities which hedge the risk of overall changes in fair value of MSRs through the use of various derivatives including purchases of forward contracts on securities of Fannie Mae and Freddie Mac, the purchase/sale of U.S. Treasury futures contracts and the purchase/sale of euro dollar future contracts. These are accounted for as non-designated hedges."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "MSRs resulting from sale or securitization of loans",
        "label": "Mortgage Servicing Rights Resulting From Sale or Securitization of Loans",
        "documentation": "Mortgage Servicing Rights Resulting From Sale or Securitization of Loans"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_MtrlTermsOfTrdArrTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "MtrlTermsOfTrdArrTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Material Terms of Trading Arrangement",
        "label": "Material Terms of Trading Arrangement [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1306"
     ]
    },
    "fbc_MultiFamilyAndCommercialRealEstateMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MultiFamilyAndCommercialRealEstateMember",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Multi-family and commercial real estate",
        "label": "Multi-Family And Commercial Real Estate [Member]",
        "documentation": "Multi-Family And Commercial Real Estate"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_MultiFamilyLoanMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "MultiFamilyLoanMember",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Multi-family",
        "label": "Multi-Family Loan [Member]",
        "documentation": "Multi-Family Loan"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_MunicipalBondsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MunicipalBondsMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Municipal bonds",
        "label": "Municipal Bonds [Member]",
        "documentation": "Long-term debt securities issued by state, city or local governments or the agencies operated by state, city or local governments."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_MutualFundMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "MutualFundMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mutual funds",
        "label": "Mutual Fund [Member]",
        "documentation": "Regulated investment instrument that pools funds from multiple investors to invest principally in a portfolio of securities and money market instruments to match the investment objective."
       }
      }
     },
     "auth_ref": [
      "r1469"
     ]
    },
    "stpr_NC": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2023",
     "localname": "NC",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "North Carolina",
        "label": "NORTH CAROLINA"
       }
      }
     },
     "auth_ref": []
    },
    "stpr_NV": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2023",
     "localname": "NV",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Nevada",
        "label": "NEVADA"
       }
      }
     },
     "auth_ref": []
    },
    "stpr_NY": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/stpr/2023",
     "localname": "NY",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "New York",
        "label": "NEW YORK"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_NamedExecutiveOfficersFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "NamedExecutiveOfficersFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Named Executive Officers, Footnote",
        "label": "Named Executive Officers, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1279"
     ]
    },
    "us-gaap_NetCashProvidedByUsedInFinancingActivities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetCashProvidedByUsedInFinancingActivities",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect",
       "weight": 1.0,
       "order": 3.0
      },
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net cash (used in) provided by financing activities",
        "label": "Net Cash Provided by (Used in) Financing Activities",
        "documentation": "Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit."
       }
      }
     },
     "auth_ref": [
      "r366"
     ]
    },
    "us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetCashProvidedByUsedInFinancingActivitiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "CASH FLOWS FROM FINANCING ACTIVITIES:",
        "label": "Net Cash Provided by (Used in) Financing Activities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NetCashProvidedByUsedInInvestingActivities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetCashProvidedByUsedInInvestingActivities",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net cash provided by (used in) investing activities",
        "label": "Net Cash Provided by (Used in) Investing Activities",
        "documentation": "Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets."
       }
      }
     },
     "auth_ref": [
      "r366"
     ]
    },
    "us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetCashProvidedByUsedInInvestingActivitiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "CASH FLOWS FROM INVESTING ACTIVITIES:",
        "label": "Net Cash Provided by (Used in) Investing Activities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NetCashProvidedByUsedInOperatingActivities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetCashProvidedByUsedInOperatingActivities",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net cash provided by operating activities",
        "label": "Net Cash Provided by (Used in) Operating Activities",
        "documentation": "Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities."
       }
      }
     },
     "auth_ref": [
      "r206",
      "r207",
      "r208"
     ]
    },
    "us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetCashProvidedByUsedInOperatingActivitiesContinuingOperationsAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "CASH FLOWS FROM OPERATING ACTIVITIES:",
        "label": "Net Cash Provided by (Used in) Operating Activities, Continuing Operations [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_NetChangeInReceivableFromSubsidiaries": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NetChangeInReceivableFromSubsidiaries",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Change in receivable from subsidiaries, net",
        "label": "Net Change In Receivable From Subsidiaries",
        "documentation": "Net Change In Receivable From Subsidiaries"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Net disbursement of payments of loans serviced for others",
        "label": "Net Disbursement Of payments Of Loans Serviced For Others, Financing Activities",
        "documentation": "Net Disbursement Of payments Of Loans Serviced For Others, Financing Activities"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NetIncomeLoss": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetIncomeLoss",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 12.0
      },
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails",
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net (loss) income",
        "terseLabel": "Net (loss) income",
        "verboseLabel": "Net income (loss)",
        "label": "Net Income (Loss)",
        "documentation": "The portion of profit or loss for the period, net of income taxes, which is attributable to the parent."
       }
      }
     },
     "auth_ref": [
      "r199",
      "r208",
      "r257",
      "r323",
      "r348",
      "r351",
      "r356",
      "r372",
      "r381",
      "r383",
      "r384",
      "r386",
      "r387",
      "r391",
      "r392",
      "r403",
      "r413",
      "r416",
      "r418",
      "r420",
      "r476",
      "r551",
      "r552",
      "r553",
      "r554",
      "r555",
      "r556",
      "r557",
      "r558",
      "r559",
      "r779",
      "r795",
      "r937",
      "r1023",
      "r1043",
      "r1044",
      "r1180",
      "r1229",
      "r1458"
     ]
    },
    "us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetIncomeLossAvailableToCommonStockholdersBasic",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails": {
       "parentTag": "us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Net (loss) income available to common stockholders",
        "verboseLabel": "Net (loss) income available to common stockholders",
        "label": "Net Income (Loss) Available to Common Stockholders, Basic",
        "documentation": "Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders."
       }
      }
     },
     "auth_ref": [
      "r361",
      "r383",
      "r384",
      "r386",
      "r387",
      "r394",
      "r395",
      "r404",
      "r407",
      "r413",
      "r416",
      "r418",
      "r420",
      "r1180"
     ]
    },
    "us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetIncomeLossAvailableToCommonStockholdersDiluted",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "(Loss) earnings applicable to common stock",
        "label": "Net Income (Loss) Available to Common Stockholders, Diluted",
        "documentation": "Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities, and addition from assumption of issuance of common shares for dilutive potential common shares; of income (loss) available to common shareholders."
       }
      }
     },
     "auth_ref": [
      "r361",
      "r396",
      "r399",
      "r400",
      "r401",
      "r402",
      "r404",
      "r407"
     ]
    },
    "fbc_NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Income before equity in undistributed (loss) earnings of subsidiaries",
        "label": "Net Income (Loss), Before Undistributed Income (Loss) Of Subsidiaries",
        "documentation": "Net Income (Loss), Before Undistributed Income (Loss) Of Subsidiaries"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NetInvestmentInLeasePastDueTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NetInvestmentInLeasePastDueTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net Investment in Lease, Past Due",
        "label": "Net Investment in Lease, Past Due [Table Text Block]",
        "documentation": "Tabular disclosure of aging analysis for net investment in sales-type and direct financing leases."
       }
      }
     },
     "auth_ref": [
      "r1436"
     ]
    },
    "fbc_NetLoanAdministrationIncomeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NetLoanAdministrationIncomeMember",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Loan administration income on mortgage loans subserviced",
        "label": "Net Loan Administration Income [Member]",
        "documentation": "Represents the net loan administration income."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NewAccountingPronouncementsPolicyPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Recently Adopted Accounting Standards",
        "label": "New Accounting Pronouncements, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_NewYorkCommunityCapitalTrustVBONUSESUnitsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NewYorkCommunityCapitalTrustVBONUSESUnitsMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "New York Community Capital Trust V (BONUSES Units)",
        "label": "New York Community Capital Trust V (BONUSES Units) [Member]",
        "documentation": "New York Community Capital Trust V (BONUSES Units)"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_NewYorkCommunityCapitalTrustXIMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NewYorkCommunityCapitalTrustXIMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "New York Community Capital Trust XI",
        "label": "New York Community Capital Trust XI [Member]",
        "documentation": "New York Community Capital Trust XI"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_NewYorkCommunityCapitalTrustXMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NewYorkCommunityCapitalTrustXMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "New York Community Capital Trust X",
        "label": "New York Community Capital Trust X [Member]",
        "documentation": "New York Community Capital Trust X"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_NonGaapMeasureDescriptionTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "NonGaapMeasureDescriptionTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-GAAP Measure Description",
        "label": "Non-GAAP Measure Description [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1278"
     ]
    },
    "ecd_NonNeosMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "NonNeosMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-NEOs",
        "label": "Non-NEOs [Member]"
       }
      }
     },
     "auth_ref": [
      "r1247",
      "r1259",
      "r1269",
      "r1286",
      "r1295"
     ]
    },
    "ecd_NonPeoNeoAvgCompActuallyPaidAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "NonPeoNeoAvgCompActuallyPaidAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-PEO NEO Average Compensation Actually Paid Amount",
        "label": "Non-PEO NEO Average Compensation Actually Paid Amount"
       }
      }
     },
     "auth_ref": [
      "r1276"
     ]
    },
    "ecd_NonPeoNeoAvgTotalCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "NonPeoNeoAvgTotalCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-PEO NEO Average Total Compensation Amount",
        "label": "Non-PEO NEO Average Total Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1275"
     ]
    },
    "ecd_NonPeoNeoMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "NonPeoNeoMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-PEO NEO",
        "label": "Non-PEO NEO [Member]"
       }
      }
     },
     "auth_ref": [
      "r1286"
     ]
    },
    "ecd_NonRule10b51ArrAdoptedFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "NonRule10b51ArrAdoptedFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-Rule 10b5-1 Arrangement Adopted",
        "label": "Non-Rule 10b5-1 Arrangement Adopted [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1306"
     ]
    },
    "ecd_NonRule10b51ArrTrmntdFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "NonRule10b51ArrTrmntdFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-Rule 10b5-1 Arrangement Terminated",
        "label": "Non-Rule 10b5-1 Arrangement Terminated [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1306"
     ]
    },
    "fbc_NonaccrualLoansMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NonaccrualLoansMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Nonaccrual loans:",
        "label": "Nonaccrual Loans [Member]",
        "documentation": "Nonaccrual Loans"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Intangible assets",
        "label": "Noncash or Part Noncash Acquisition, Intangible Assets Acquired",
        "documentation": "The amount of intangibles that an Entity acquires in a noncash (or part noncash) acquisition. Noncash is defined as information about all investing and financing activities of an enterprise during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. \"Part noncash\" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period."
       }
      }
     },
     "auth_ref": [
      "r67",
      "r68",
      "r69"
     ]
    },
    "fbc_NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage servicing rights",
        "label": "Noncash Or Part Noncash Acquisition, Mortgage Servicing Rights Acquired",
        "documentation": "Noncash Or Part Noncash Acquisition, Mortgage Servicing Rights Acquired"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Liabilities assumed",
        "label": "Noncash or Part Noncash Acquisition, Value of Liabilities Assumed",
        "documentation": "The total amount of [all] liabilities that an Entity assumes in acquiring a business or in consideration for an asset received in a noncash (or part noncash) acquisition. Noncash is defined as transactions during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. \"Part noncash\" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period."
       }
      }
     },
     "auth_ref": [
      "r67",
      "r68",
      "r69"
     ]
    },
    "us-gaap_NondesignatedMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NondesignatedMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails",
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Derivatives not designated as hedging instruments:",
        "label": "Not Designated as Hedging Instrument [Member]",
        "documentation": "Derivative instrument not designated as hedging instrument under Generally Accepted Accounting Principles (GAAP)."
       }
      }
     },
     "auth_ref": [
      "r32"
     ]
    },
    "us-gaap_NoninterestBearingDepositLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NoninterestBearingDepositLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": "us-gaap_Deposits",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Non-interest-bearing accounts",
        "terseLabel": "Non-interest-bearing accounts",
        "label": "Noninterest-Bearing Deposit Liabilities",
        "documentation": "The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity."
       }
      }
     },
     "auth_ref": [
      "r172"
     ]
    },
    "us-gaap_NoninterestExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NoninterestExpense",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest",
       "weight": -1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total non-interest expense",
        "label": "Noninterest Expense",
        "documentation": "Total aggregate amount of all noninterest expense."
       }
      }
     },
     "auth_ref": [
      "r264"
     ]
    },
    "us-gaap_NoninterestExpenseAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NoninterestExpenseAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "NON-INTEREST EXPENSE:",
        "label": "Noninterest Expense [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NoninterestIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NoninterestIncome",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total non-interest income",
        "label": "Noninterest Income",
        "documentation": "The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified."
       }
      }
     },
     "auth_ref": [
      "r262"
     ]
    },
    "us-gaap_NoninterestIncomeAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NoninterestIncomeAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "NON-INTEREST INCOME:",
        "label": "Noninterest Income [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NoninterestIncomeOtherOperatingIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NoninterestIncomeOtherOperatingIncome",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestIncome",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Other",
        "label": "Noninterest Income, Other Operating Income",
        "documentation": "Amount of revenue earned, classified as other, excluding interest income."
       }
      }
     },
     "auth_ref": [
      "r197",
      "r255"
     ]
    },
    "fbc_NoninterestIncomeOtherOperatingIncomeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NoninterestIncomeOtherOperatingIncomeMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other non-interest income",
        "label": "Noninterest Income, Other Operating Income [Member]",
        "documentation": "Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NonvestedRestrictedStockSharesActivityTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NonvestedRestrictedStockSharesActivityTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Nonvested Restricted Stock Shares Activity",
        "label": "Nonvested Restricted Stock Shares Activity [Table Text Block]",
        "documentation": "Tabular disclosure of the changes in outstanding nonvested restricted stock shares."
       }
      }
     },
     "auth_ref": [
      "r40"
     ]
    },
    "fbc_NumberOfBranches": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NumberOfBranches",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of traditional branches",
        "verboseLabel": "Number of branches",
        "label": "Number Of Branches",
        "documentation": "Number Of Branches"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_NumberOfLocalDivisions": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NumberOfLocalDivisions",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number Of Local Divisions",
        "label": "Number Of Local Divisions",
        "documentation": "Number Of Local Divisions"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of securities continuous unrealized loss position more than twelve months",
        "label": "Number Of Securities Continuous Unrealized Loss Position More Than Twelve Months",
        "documentation": "Number Of Securities Continuous Unrealized Loss Position More Than Twelve Months"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_NumberOfStatesInWhichEntityOperates": {
     "xbrltype": "integerItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "NumberOfStatesInWhichEntityOperates",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of states in which branches are located",
        "label": "Number of States in which Entity Operates",
        "documentation": "The number of states the entity operates in as of the balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_NumberOfStatesInWhichOfficesAreLocated": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "NumberOfStatesInWhichOfficesAreLocated",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of states in which offices are located",
        "label": "Number Of States In Which Offices Are Located",
        "documentation": "Number Of States In Which Offices Are Located"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OccupancyNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OccupancyNet",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_OperatingCostsAndExpenses",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Occupancy and equipment",
        "label": "Occupancy, Net",
        "documentation": "Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense."
       }
      }
     },
     "auth_ref": [
      "r203",
      "r263",
      "r280"
     ]
    },
    "fbc_OfficersAndDirectorsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "OfficersAndDirectorsMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Officers And Directors",
        "label": "Officers And Directors [Member]",
        "documentation": "Officers And Directors"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OffsettingAssetsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OffsettingAssetsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offsetting Assets [Line Items]",
        "label": "Offsetting Assets [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OffsettingAssetsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OffsettingAssetsTable",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesDerivativesSubjecttoaMasterNettingArrangementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offsetting Assets [Table]",
        "label": "Offsetting Assets [Table]",
        "documentation": "Disclosure of information about derivative and financial assets that are subject to offsetting, including enforceable master netting arrangements."
       }
      }
     },
     "auth_ref": [
      "r192",
      "r193"
     ]
    },
    "us-gaap_OffsettingAssetsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OffsettingAssetsTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offsetting Assets",
        "label": "Offsetting Assets [Table Text Block]",
        "documentation": "Tabular disclosure of derivative and other financial assets that are subject to offsetting, including master netting arrangements."
       }
      }
     },
     "auth_ref": [
      "r192",
      "r337"
     ]
    },
    "us-gaap_OffsettingLiabilitiesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OffsettingLiabilitiesTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Offsetting Liabilities",
        "label": "Offsetting Liabilities [Table Text Block]",
        "documentation": "Tabular disclosure of derivative and other financial liabilities that are subject to offsetting, including master netting arrangements."
       }
      }
     },
     "auth_ref": [
      "r192",
      "r337"
     ]
    },
    "fbc_OneToFourFamilyIncludingInterestRateLocksMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "OneToFourFamilyIncludingInterestRateLocksMember",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "One-to-four family first mortgage",
        "label": "One-To-Four Family Including Interest Rate Locks [Member]",
        "documentation": "One-To-Four Family Including Interest Rate Locks"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OperatingCostsAndExpenses": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OperatingCostsAndExpenses",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NoninterestExpense",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total operating expense",
        "terseLabel": "Operating expenses",
        "label": "Operating Costs and Expenses",
        "documentation": "Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Excludes Selling, General and Administrative Expense."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_OperatingLeaseAssetsAndLiabilitiesLesseeAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "OperatingLeaseAssetsAndLiabilitiesLesseeAbstract",
     "presentation": [
      "http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating Leases:",
        "label": "Operating Lease, Assets And Liabilities, Lessee [Abstract]",
        "documentation": "Operating Lease, Assets And Liabilities, Lessee"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OperatingLeaseCost": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OperatingLeaseCost",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails": {
       "parentTag": "us-gaap_LeaseCost",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesComponentofLeaseExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating lease cost",
        "label": "Operating Lease, Cost",
        "documentation": "Amount of single lease cost, calculated by allocation of remaining cost of lease over remaining lease term. Includes, but is not limited to, single lease cost, after impairment of right-of-use asset, calculated by amortization of remaining right-of-use asset and accretion of lease liability."
       }
      }
     },
     "auth_ref": [
      "r816",
      "r1212"
     ]
    },
    "us-gaap_OperatingLeaseLiability": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OperatingLeaseLiability",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails_1": {
       "parentTag": "us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturitiesofLeaseLiabilitiesDetails",
      "http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating lease liabilities",
        "verboseLabel": "Total present value of lease liabilities",
        "label": "Operating Lease, Liability",
        "documentation": "Present value of lessee's discounted obligation for lease payments from operating lease."
       }
      }
     },
     "auth_ref": [
      "r811"
     ]
    },
    "us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList",
     "presentation": [
      "http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating Lease, Liability, Statement of Financial Position [Extensible List]",
        "label": "Operating Lease, Liability, Statement of Financial Position [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of financial position that includes operating lease liability."
       }
      }
     },
     "auth_ref": [
      "r812"
     ]
    },
    "us-gaap_OperatingLeasePayments": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OperatingLeasePayments",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/LeasesSupplementalCashFlowInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating cash flows from operating leases",
        "label": "Operating Lease, Payments",
        "documentation": "Amount of cash outflow from operating lease, excluding payments to bring another asset to condition and location necessary for its intended use."
       }
      }
     },
     "auth_ref": [
      "r813",
      "r817"
     ]
    },
    "us-gaap_OperatingLeaseRightOfUseAsset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OperatingLeaseRightOfUseAsset",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating lease right-of-use assets",
        "label": "Operating Lease, Right-of-Use Asset",
        "documentation": "Amount of lessee's right to use underlying asset under operating lease."
       }
      }
     },
     "auth_ref": [
      "r810"
     ]
    },
    "us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList",
     "presentation": [
      "http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]",
        "label": "Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of financial position that includes operating lease right-of-use asset."
       }
      }
     },
     "auth_ref": [
      "r812"
     ]
    },
    "us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OperatingLeaseWeightedAverageDiscountRatePercent",
     "presentation": [
      "http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average discount rate percent",
        "label": "Operating Lease, Weighted Average Discount Rate, Percent",
        "documentation": "Weighted average discount rate for operating lease calculated at point in time."
       }
      }
     },
     "auth_ref": [
      "r819",
      "r1212"
     ]
    },
    "us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OperatingLeaseWeightedAverageRemainingLeaseTerm1",
     "presentation": [
      "http://www.flagstar.com/role/LeasesSupplementalBalanceSheetInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average remaining lease term",
        "label": "Operating Lease, Weighted Average Remaining Lease Term",
        "documentation": "Weighted average remaining lease term for operating lease, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r818",
      "r1212"
     ]
    },
    "us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Organization, Consolidation and Presentation of Financial Statements [Abstract]",
        "label": "Organization, Consolidation and Presentation of Financial Statements [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Description of Business, Organization and Basis of Presentation",
        "label": "Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block]",
        "documentation": "The entire disclosure for the general note to the financial statements for the reporting entity which may include, descriptions of the basis of presentation, business description, significant accounting policies, consolidations, reclassifications, new pronouncements not yet adopted and changes in accounting principles."
       }
      }
     },
     "auth_ref": [
      "r209",
      "r210",
      "r211",
      "r239"
     ]
    },
    "us-gaap_OtherAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherAssets",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 11.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other assets",
        "label": "Other Assets",
        "documentation": "Amount of assets classified as other."
       }
      }
     },
     "auth_ref": [
      "r245",
      "r327",
      "r927",
      "r1231"
     ]
    },
    "us-gaap_OtherAssetsFairValueDisclosure": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherAssetsFairValueDisclosure",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresAssetsMeasuredatFairValueonaNonrecurringBasisDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other assets",
        "label": "Other Assets, Fair Value Disclosure",
        "documentation": "Fair value portion of other assets."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherAssetsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherAssetsMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Assets",
        "label": "Other Assets [Member]",
        "documentation": "Primary financial statement caption encompassing other assets."
       }
      }
     },
     "auth_ref": [
      "r139",
      "r154"
     ]
    },
    "fbc_OtherCollateralMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "OtherCollateralMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other",
        "label": "Other Collateral [Member]",
        "documentation": "Other Collateral"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherCommitment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherCommitment",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails": {
       "parentTag": "fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Commitments",
        "label": "Other Commitment",
        "documentation": "Minimum amount of other commitment not otherwise specified in the taxonomy. Excludes commitments explicitly modeled in the taxonomy, including but not limited to, long-term and short-term purchase commitments, recorded and unrecorded purchase obligations, supply commitments, registration payment arrangements, leases, debt, product warranties, guarantees, environmental remediation obligations, and pensions."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total commitments",
        "label": "Other Commitments And Guarantor Obligations, Maximum Exposure, Undiscounted",
        "documentation": "Other Commitments And Guarantor Obligations, Maximum Exposure, Undiscounted"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherCommitmentsAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherCommitmentsAxis",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Commitments [Axis]",
        "label": "Other Commitments [Axis]",
        "documentation": "Information by type of other commitment."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherCommitmentsDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherCommitmentsDomain",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Commitments [Domain]",
        "label": "Other Commitments [Domain]",
        "documentation": "Other future obligation."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherCommitmentsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherCommitmentsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails",
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails",
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Commitments [Line Items]",
        "label": "Other Commitments [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherCommitmentsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherCommitmentsTable",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesNarrativeDetails",
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails",
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Commitments [Table]",
        "label": "Other Commitments [Table]",
        "documentation": "Disclosure of information about obligations resulting from other commitments."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherCommitmentsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherCommitmentsTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of the Contractual Amount of Significant Commitments",
        "label": "Other Commitments [Table Text Block]",
        "documentation": "Tabular disclosure of information about obligations resulting from other commitments."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "fbc_ComprehensiveIncomeLossTaxParent",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Securities available-for-sale",
        "label": "Other Comprehensive Income (Loss), Available-for-Sale Securities, Tax, Portion Attributable to Parent",
        "documentation": "Amount, after reclassification adjustment, of tax expense (benefit) for gain (loss) in value of unsold investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale), attributable to parent."
       }
      }
     },
     "auth_ref": [
      "r13",
      "r28",
      "r240"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "fbc_ComprehensiveIncomeLossTaxParent",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Pension liability adjustments",
        "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, Tax, Attributable to Parent",
        "documentation": "Amount, after reclassification adjustment, of tax (expense) benefit for (increase) decrease in accumulated other comprehensive income for defined benefit plan, attributable to parent."
       }
      }
     },
     "auth_ref": [
      "r13",
      "r28",
      "r240"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amortization of prior service cost",
        "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, Prior Service Cost (Credit), Reclassification Adjustment from AOCI, before Tax",
        "documentation": "Amount, before tax, of reclassification adjustment from accumulated other comprehensive (income) loss for prior service cost (credit) of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r11",
      "r196",
      "r347",
      "r643"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in net unrealized (loss) gain on securities available for sale, tax",
        "label": "OCI, Debt Securities, Available-for-Sale, Gain (Loss), after Adjustment, Tax",
        "documentation": "Amount, after adjustment, of tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale) and tax expense (benefit) for unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale."
       }
      }
     },
     "auth_ref": [
      "r340",
      "r341",
      "r344"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in net unrealized gain on cash flow hedges, net of tax of $(3); $(24) and $(2), respectively",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax, Parent",
        "documentation": "Amount, after tax and reclassification, of gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness, attributable to parent."
       }
      }
     },
     "auth_ref": [
      "r343"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails": {
       "parentTag": "fbc_ComprehensiveIncomeLossTaxParent",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Cash flow hedge",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification, Tax, Parent",
        "documentation": "Amount, after reclassification, of tax expense (benefit) for gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness, attributable to parent."
       }
      }
     },
     "auth_ref": [
      "r344"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount of gain (loss) recognized in AOCL",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification and Tax",
        "documentation": "Amount, before tax and reclassification, of gain (loss) from derivative instrument designated and qualifying cash flow hedge included in assessment of hedge effectiveness."
       }
      }
     },
     "auth_ref": [
      "r339",
      "r343",
      "r763",
      "r764",
      "r768"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in net unrealized gain (loss) on cash flow hedges, tax",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, Tax",
        "documentation": "Amount, before reclassification, of tax expense (benefit) for gain (loss) from derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness."
       }
      }
     },
     "auth_ref": [
      "r344"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Reclassification adjustment for net (loss) gain on cash flow hedges included in net income, net of tax $17; $1 and $(7), respectively",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, after Tax",
        "documentation": "Amount, after tax, of reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness."
       }
      }
     },
     "auth_ref": [
      "r343",
      "r346"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Amount of reclassified from AOCL to interest expense",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, before Tax",
        "documentation": "Amount, before tax, of reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness."
       }
      }
     },
     "auth_ref": [
      "r289",
      "r343",
      "r346"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reclassification adjustment for net gain on cash flow hedges included in net income, tax",
        "label": "Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax",
        "documentation": "Amount of tax expense (benefit) for reclassification of gain (loss) from accumulated other comprehensive income (AOCI) for derivative instrument designated and qualifying as cash flow hedge included in assessment of hedge effectiveness."
       }
      }
     },
     "auth_ref": [
      "r344"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_ComprehensiveIncomeNetOfTax",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total other comprehensive gain (loss), net of tax",
        "netLabel": "Other comprehensive loss, net of tax",
        "label": "Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent",
        "documentation": "Amount after tax of other comprehensive income (loss) attributable to parent entity."
       }
      }
     },
     "auth_ref": [
      "r13",
      "r28",
      "r240",
      "r349",
      "r352"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent",
       "weight": -1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Change in pension and post-retirement obligations, net of tax of $(5); $6 and $(8), respectively",
        "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment, after Tax",
        "documentation": "Amount, after tax, before reclassification adjustment, of (increase) decrease in accumulated other comprehensive income of defined benefit plan, that has not been recognized in net periodic benefit cost (credit)."
       }
      }
     },
     "auth_ref": [
      "r8",
      "r196"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in pension and post-retirement obligations, tax",
        "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, before Reclassification Adjustment, Tax",
        "documentation": "Amount, before reclassification adjustment, of tax (expense) benefit for (increase) decrease in accumulated other comprehensive income for defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r8",
      "r10",
      "r240"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net actuarial (gain) loss arising during the year",
        "label": "Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss) Arising During Period, before Tax",
        "documentation": "Amount, before tax, of gain (loss) for (increase) decrease in value of benefit obligation for change in actuarial assumptions and increase (decrease) in value of plan assets from experience different from that assumed of defined benefit plan, that has not been recognized in net periodic benefit (cost) credit."
       }
      }
     },
     "auth_ref": [
      "r6",
      "r196",
      "r226"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total recognized in other comprehensive income for the year (pre-tax)",
        "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, Reclassification Adjustment from AOCI, before Tax",
        "documentation": "Amount, before tax, of reclassification adjustment from accumulated other comprehensive (income) loss for net period benefit cost (credit) of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r11",
      "r196",
      "r347",
      "r1470"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Amortization of actuarial gain (loss)",
        "terseLabel": "Amortization of actuarial gain (loss)",
        "label": "Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, before Tax",
        "documentation": "Amount, before tax, of reclassification adjustment from accumulated other comprehensive income (loss) for gain (loss) of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r11",
      "r196",
      "r347",
      "r643"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Reclassification adjustment for defined benefit pension plan, net of tax of $(1); $\u2014 and $(2), respectively",
        "label": "Other Comprehensive Income (Loss), Defined Benefit Plan, Gain (Loss), Reclassification Adjustment from AOCI, after Tax",
        "documentation": "Amount, after tax, of reclassification adjustment from accumulated other comprehensive income (loss) for gain (loss) of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r11",
      "r196",
      "r347",
      "r643"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncomeParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reclassification adjustment for defined benefit plans, tax",
        "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, Reclassification Adjustment from AOCI, Tax",
        "documentation": "Amount of tax (expense) benefit for reclassification adjustment from accumulated other comprehensive (income) loss of defined benefit plan."
       }
      }
     },
     "auth_ref": [
      "r10",
      "r240"
     ]
    },
    "us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTaxAbstract",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Accumulated other comprehensive loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:",
        "label": "Other Comprehensive (Income) Loss, Defined Benefit Plan, Reclassification Adjustment from AOCI, Tax [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherComprehensiveIncomeLossTaxAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossTaxAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other comprehensive gain (loss), net of tax:",
        "label": "Other Comprehensive Income (Loss), Tax [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeLossTaxPortionAttributableToParentAbstract",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesComponentsofIncomeTaxExpenseDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income tax expense reported in stockholders\u2019 equity related to:",
        "label": "Other Comprehensive Income (Loss), Tax, Portion Attributable to Parent, Parenthetical Disclosure [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Change in net unrealized loss on securities available for sale, net of tax of $(15); $223 and $42, respectively",
        "label": "OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, after Tax",
        "documentation": "Amount, after tax and before adjustment, of unrealized holding gain (loss) on investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale). Excludes unrealized gain (loss) on investment in debt security measured at amortized cost (held-to-maturity) from transfer to available-for-sale."
       }
      }
     },
     "auth_ref": [
      "r340",
      "r343",
      "r474"
     ]
    },
    "us-gaap_OtherDebtSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherDebtSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Debt Obligations",
        "label": "Other Debt Obligations [Member]",
        "documentation": "Investments in debt securities classified as other."
       }
      }
     },
     "auth_ref": [
      "r1439",
      "r1469",
      "r1488"
     ]
    },
    "us-gaap_OtherForeclosedAssets": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherForeclosedAssets",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other repossessed assets",
        "label": "Other Repossessed Assets",
        "documentation": "Carrying amount as of the balance sheet date of assets other than real property that were received in full or partial satisfaction of a debt arrangement through foreclosure proceedings or defeasance."
       }
      }
     },
     "auth_ref": [
      "r26",
      "r78"
     ]
    },
    "us-gaap_OtherIncome": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherIncome",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails": {
       "parentTag": "us-gaap_InterestAndDividendIncomeOperating",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other income",
        "label": "Other Income",
        "documentation": "Amount of revenue and income classified as other."
       }
      }
     },
     "auth_ref": [
      "r944",
      "r1026",
      "r1131",
      "r1132",
      "r1133"
     ]
    },
    "us-gaap_OtherIntangibleAssetsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherIntangibleAssetsMember",
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails",
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Intangible Assets",
        "label": "Other Intangible Assets [Member]",
        "documentation": "Intangible assets classified as other."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_OtherLiabilities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherLiabilities",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Liabilities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other liabilities",
        "label": "Other Liabilities",
        "documentation": "Amount of liabilities classified as other."
       }
      }
     },
     "auth_ref": [
      "r174",
      "r924",
      "r998",
      "r999",
      "r1231",
      "r1532"
     ]
    },
    "us-gaap_OtherLiabilitiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherLiabilitiesMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNotionalAmountandFairValueofDerivativeFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Liabilities",
        "label": "Other Liabilities [Member]",
        "documentation": "Primary financial statement caption encompassing other liabilities."
       }
      }
     },
     "auth_ref": [
      "r139",
      "r154"
     ]
    },
    "fbc_OtherLoanCommitmentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "OtherLoanCommitmentsMember",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other",
        "label": "Other Loan Commitments [Member]",
        "documentation": "Other Loan Commitments"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_OtherLoansHeldForInvestmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "OtherLoansHeldForInvestmentMember",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails",
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Loans:",
        "verboseLabel": "Other",
        "netLabel": "Other",
        "label": "Other Loans Held for Investment [Member]",
        "documentation": "Other Loans Held for Investment"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_OtherPerfMeasureAmt": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "OtherPerfMeasureAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other Performance Measure, Amount",
        "label": "Other Performance Measure, Amount"
       }
      }
     },
     "auth_ref": [
      "r1278"
     ]
    },
    "us-gaap_OtherPostretirementBenefitPlansDefinedBenefitMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherPostretirementBenefitPlansDefinedBenefitMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Health &amp; Welfare Plan",
        "label": "Other Postretirement Benefits Plan [Member]",
        "documentation": "Plan designed to provide other postretirement benefits. Includes, but is not limited to, defined benefit and defined contribution plans. Excludes pension benefits."
       }
      }
     },
     "auth_ref": [
      "r600",
      "r602",
      "r603",
      "r604",
      "r605",
      "r606",
      "r607",
      "r608",
      "r609",
      "r610",
      "r611",
      "r612",
      "r613",
      "r614",
      "r615",
      "r616",
      "r617",
      "r618",
      "r619",
      "r620",
      "r621",
      "r622",
      "r623",
      "r624",
      "r626",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r633",
      "r634",
      "r635",
      "r636",
      "r637",
      "r638",
      "r639",
      "r640",
      "r641",
      "r642",
      "r643",
      "r644",
      "r645",
      "r647",
      "r648",
      "r650",
      "r653",
      "r656",
      "r657",
      "r658",
      "r659",
      "r660",
      "r661",
      "r662",
      "r663",
      "r664",
      "r665",
      "r666",
      "r670",
      "r671",
      "r672",
      "r1201",
      "r1202",
      "r1203",
      "r1204",
      "r1205"
     ]
    },
    "us-gaap_OtherRealEstate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "OtherRealEstate",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "OREO",
        "label": "Other Real Estate",
        "documentation": "Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure."
       }
      }
     },
     "auth_ref": [
      "r171"
     ]
    },
    "fbc_OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails": {
       "parentTag": "fbc_SubservicingAssetatFairValueIncomeAmount",
       "weight": -1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Other servicing charges",
        "label": "Other Servicing Charges Generated by Servicing Financial Assets, Amount",
        "documentation": "The total amount of other servicing charges earned on loans serviced and subserviced for others during the period for which results of operations are presented."
       }
      }
     },
     "auth_ref": []
    },
    "ecd_OutstandingAggtErrCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "OutstandingAggtErrCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Outstanding Aggregate Erroneous Compensation Amount",
        "label": "Outstanding Aggregate Erroneous Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1245",
      "r1257",
      "r1267",
      "r1293"
     ]
    },
    "ecd_OutstandingRecoveryCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "OutstandingRecoveryCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Compensation Amount",
        "label": "Outstanding Recovery Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1248",
      "r1260",
      "r1270",
      "r1296"
     ]
    },
    "ecd_OutstandingRecoveryIndName": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "OutstandingRecoveryIndName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Outstanding Recovery, Individual Name"
       }
      }
     },
     "auth_ref": [
      "r1248",
      "r1260",
      "r1270",
      "r1296"
     ]
    },
    "srt_ParentCompanyMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "ParentCompanyMember",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationIncomeStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Parent company",
        "label": "Parent Company [Member]",
        "documentation": "Registrant with controlling financial interest in one or more subsidiaries. Controlling interest in subsidiary includes, but is not limited to, primary beneficiary of variable interest entity (VIE). Controlling interest in subsidiary excludes broker-dealer with controlling financial interest in subsidiary but control is likely to be temporary."
       }
      }
     },
     "auth_ref": [
      "r377"
     ]
    },
    "us-gaap_ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails": {
       "parentTag": "us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Less: Dividends paid on and earnings allocated to participating securities",
        "label": "Participating Securities, Distributed and Undistributed Earnings (Loss), Basic",
        "documentation": "Amount of earnings (loss) distributed and earnings (loss) allocated to participating securities for the basic earnings (loss) per share or per unit calculation under the two-class method."
       }
      }
     },
     "auth_ref": [
      "r404",
      "r1314"
     ]
    },
    "us-gaap_PassMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PassMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pass",
        "label": "Pass [Member]",
        "documentation": "A category of financing receivables not considered to be special mention, substandard, doubtful, and loss receivables."
       }
      }
     },
     "auth_ref": [
      "r85",
      "r1437"
     ]
    },
    "us-gaap_PastDueFinancingReceivablesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PastDueFinancingReceivablesTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Quality of Loans Held for Investment",
        "label": "Financing Receivable, Past Due [Table Text Block]",
        "documentation": "Tabular disclosure of aging analysis for financing receivable."
       }
      }
     },
     "auth_ref": [
      "r86",
      "r87",
      "r1189",
      "r1436"
     ]
    },
    "ecd_PayVsPerformanceDisclosureLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "PayVsPerformanceDisclosureLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Pay vs Performance Disclosure [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1274"
     ]
    },
    "fbc_PaymentsForProceedsFromOtherChangesInFinancingReceivables": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "PaymentsForProceedsFromOtherChangesInFinancingReceivables",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": -1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Other changes in loans, net",
        "label": "Payments For (Proceeds From) Other Changes In Financing Receivables",
        "documentation": "Payments For (Proceeds From) Other Changes In Financing Receivables"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PaymentsForRepurchaseOfCommonStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PaymentsForRepurchaseOfCommonStock",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 1.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Treasury stock repurchased",
        "terseLabel": "Treasury stock repurchased",
        "label": "Payments for Repurchase of Common Stock",
        "documentation": "The cash outflow to reacquire common stock during the period."
       }
      }
     },
     "auth_ref": [
      "r60"
     ]
    },
    "us-gaap_PaymentsOfDividendsCommonStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PaymentsOfDividendsCommonStock",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Cash dividends paid on common stock",
        "label": "Payments of Ordinary Dividends, Common Stock",
        "documentation": "Amount of cash outflow in the form of ordinary dividends to common shareholders of the parent entity."
       }
      }
     },
     "auth_ref": [
      "r60"
     ]
    },
    "us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PaymentsOfDividendsPreferredStockAndPreferenceStock",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Cash dividends paid on preferred stock",
        "label": "Payments of Ordinary Dividends, Preferred Stock and Preference Stock",
        "documentation": "Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity."
       }
      }
     },
     "auth_ref": [
      "r60"
     ]
    },
    "us-gaap_PaymentsOfOrdinaryDividends": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PaymentsOfOrdinaryDividends",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Cash dividends paid on common and preferred stock",
        "label": "Payments of Ordinary Dividends",
        "documentation": "Cash outflow in the form of ordinary dividends to common shareholders, preferred shareholders and noncontrolling interests, generally out of earnings."
       }
      }
     },
     "auth_ref": [
      "r60"
     ]
    },
    "us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PaymentsRelatedToTaxWithholdingForShareBasedCompensation",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Payments relating to treasury shares received for restricted stock award tax payments",
        "label": "Payment, Tax Withholding, Share-Based Payment Arrangement",
        "documentation": "Amount of cash outflow to satisfy grantee's tax withholding obligation for award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r364"
     ]
    },
    "us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PaymentsToAcquireAvailableForSaleSecuritiesDebt",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": -1.0,
       "order": 10.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Purchase of securities available for sale",
        "label": "Payments to Acquire Debt Securities, Available-for-Sale",
        "documentation": "Amount of cash outflow to acquire investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r58",
      "r362",
      "r440"
     ]
    },
    "us-gaap_PaymentsToAcquireFederalHomeLoanBankStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PaymentsToAcquireFederalHomeLoanBankStock",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Purchases of Federal Home Loan Bank and Federal Reserve Bank stock",
        "label": "Payments to Acquire Federal Home Loan Bank Stock",
        "documentation": "Amount of cash outflow to acquire Federal Home Loan Bank (FHLB) stock."
       }
      }
     },
     "auth_ref": [
      "r1380"
     ]
    },
    "us-gaap_PaymentsToAcquireFinanceReceivables": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PaymentsToAcquireFinanceReceivables",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": -1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Purchases of loans",
        "label": "Payments to Acquire Finance Receivables",
        "documentation": "The cash outflow for the purchase of amounts due from customers, clients, lessees, borrowers, or others under the terms of its agreements therewith."
       }
      }
     },
     "auth_ref": [
      "r205"
     ]
    },
    "ecd_PeerGroupIssuersFnTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "PeerGroupIssuersFnTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Peer Group Issuers, Footnote",
        "label": "Peer Group Issuers, Footnote [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1277"
     ]
    },
    "ecd_PeerGroupTotalShareholderRtnAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "PeerGroupTotalShareholderRtnAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Peer Group Total Shareholder Return Amount",
        "label": "Peer Group Total Shareholder Return Amount"
       }
      }
     },
     "auth_ref": [
      "r1277"
     ]
    },
    "fbc_PennFedCapitalTrustIIIMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "PennFedCapitalTrustIIIMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "PennFed Capital Trust III",
        "label": "PennFed Capital Trust III [Member]",
        "documentation": "PennFed Capital Trust III"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PensionAndOtherPostretirementBenefitsDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefits"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Employee Benefits",
        "label": "Retirement Benefits [Text Block]",
        "documentation": "The entire disclosure for retirement benefits."
       }
      }
     },
     "auth_ref": [
      "r599",
      "r623",
      "r625",
      "r631",
      "r649",
      "r651",
      "r652",
      "r653",
      "r654",
      "r655",
      "r667",
      "r668",
      "r670",
      "r1201"
     ]
    },
    "us-gaap_PensionPlansDefinedBenefitMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PensionPlansDefinedBenefitMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pension Plan",
        "label": "Pension Plan [Member]",
        "documentation": "Plan designed to provide participant with pension benefits. Includes, but is not limited to, defined benefit and defined contribution plans. Excludes other postretirement benefits."
       }
      }
     },
     "auth_ref": [
      "r600",
      "r602",
      "r603",
      "r604",
      "r605",
      "r606",
      "r607",
      "r608",
      "r609",
      "r610",
      "r611",
      "r612",
      "r613",
      "r614",
      "r615",
      "r616",
      "r617",
      "r618",
      "r619",
      "r620",
      "r621",
      "r622",
      "r623",
      "r624",
      "r626",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r632",
      "r633",
      "r634",
      "r635",
      "r636",
      "r637",
      "r638",
      "r639",
      "r640",
      "r641",
      "r642",
      "r643",
      "r644",
      "r645",
      "r647",
      "r648",
      "r650",
      "r653",
      "r656",
      "r657",
      "r658",
      "r659",
      "r660",
      "r661",
      "r662",
      "r663",
      "r664",
      "r665",
      "r666",
      "r670",
      "r671",
      "r675",
      "r1201",
      "r1202",
      "r1206",
      "r1207",
      "r1208"
     ]
    },
    "ecd_PeoActuallyPaidCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "PeoActuallyPaidCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "PEO Actually Paid Compensation Amount",
        "label": "PEO Actually Paid Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1276"
     ]
    },
    "ecd_PeoMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "PeoMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "PEO",
        "label": "PEO [Member]"
       }
      }
     },
     "auth_ref": [
      "r1286"
     ]
    },
    "ecd_PeoName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "PeoName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "PEO Name",
        "label": "PEO Name"
       }
      }
     },
     "auth_ref": [
      "r1279"
     ]
    },
    "ecd_PeoTotalCompAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "PeoTotalCompAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "PEO Total Compensation Amount",
        "label": "PEO Total Compensation Amount"
       }
      }
     },
     "auth_ref": [
      "r1275"
     ]
    },
    "us-gaap_PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PercentageOfInterestBearingDomesticDepositLiabilitiesToDepositLiabilitiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Percent of Total",
        "label": "Percentage of Interest-Bearing Domestic Deposit Liabilities to Deposit Liabilities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": "fbc_PercentageOfTotalDeposits",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certificates of deposit",
        "label": "Percentage of Interest-Bearing Domestic Deposits to Deposits, Certificates of Deposit",
        "documentation": "Percentage of interest-bearing domestic certificates of deposit liabilities to total deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket",
     "calculation": {
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": "fbc_PercentageOfTotalDeposits",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest-bearing checking and money market accounts",
        "label": "Percentage of Interest-Bearing Domestic Deposits to Deposits, Money Market",
        "documentation": "Percentage of interest-bearing domestic money market demand account deposit liabilities to total deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PercentageOfInterestBearingDomesticDepositsToDepositsSavings": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PercentageOfInterestBearingDomesticDepositsToDepositsSavings",
     "calculation": {
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": "fbc_PercentageOfTotalDeposits",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Savings accounts",
        "label": "Percentage of Interest-Bearing Domestic Deposits to Deposits, Savings",
        "documentation": "Percentage of interest-bearing domestic savings deposit liabilities to total deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts",
     "calculation": {
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": "fbc_PercentageOfTotalDeposits",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-interest-bearing accounts",
        "label": "Percentage of Non Interest-Bearing Domestic Deposits to Deposits, Non-Interest Bearing Accounts",
        "documentation": "Percentage of Non Interest-Bearing Domestic Deposits to Deposits, Non-Interest Bearing Accounts"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_PercentageOfTotalDeposits": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "PercentageOfTotalDeposits",
     "calculation": {
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total deposits",
        "label": "Percentage of Total Deposits",
        "documentation": "Percentage of Total Deposits"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PerformanceGuaranteeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PerformanceGuaranteeMember",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesObligationsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Performance stand-by letters of credit",
        "label": "Performance Guarantee [Member]",
        "documentation": "An agreement (contract) that requires the guarantor to make payments to a guaranteed party based on another entity's failure to perform under an obligating agreement. This may include the issuance of a performance standby letter of credit which requires the guarantor to make payments if a specified party fails to perform under a nonfinancial contractual obligation."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PerformanceSharesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PerformanceSharesMember",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Performance Shares",
        "label": "Performance Shares [Member]",
        "documentation": "Share-based payment arrangement awarded for meeting performance target."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PerformingFinancingReceivableMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PerformingFinancingReceivableMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Other performing loans:",
        "label": "Performing Financial Instruments [Member]",
        "documentation": "Category status of financial instruments in which payments are received or paid on a timely basis in accordance with the terms of the contract. Financial instruments include, but are not limited to, financing receivables, loans, debt instruments, and investments."
       }
      }
     },
     "auth_ref": [
      "r85",
      "r1437"
     ]
    },
    "us-gaap_PlanAssetCategoriesDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PlanAssetCategoriesDomain",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Plan Assets, Category [Domain]",
        "label": "Defined Benefit Plan, Plan Assets, Category [Domain]",
        "documentation": "Defined benefit plan asset investment."
       }
      }
     },
     "auth_ref": [
      "r623",
      "r624",
      "r626",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r650",
      "r1199",
      "r1200",
      "r1201"
     ]
    },
    "us-gaap_PledgedStatusAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PledgedStatusAxis",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pledged Status [Axis]",
        "label": "Pledged Status [Axis]",
        "documentation": "Information by pledged or not pledged status of asset owned by entity."
       }
      }
     },
     "auth_ref": [
      "r758",
      "r996",
      "r1211"
     ]
    },
    "us-gaap_PledgedStatusDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PledgedStatusDomain",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pledged Status [Domain]",
        "label": "Pledged Status [Domain]",
        "documentation": "Pledged or not pledged status of asset owned by entity."
       }
      }
     },
     "auth_ref": [
      "r758",
      "r996",
      "r1211"
     ]
    },
    "us-gaap_PortionAtFairValueFairValueDisclosureMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PortionAtFairValueFairValueDisclosureMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresCarryingAmountandEstimatedFairValueofFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Portion at fair value measurement",
        "label": "Portion at Fair Value Measurement [Member]",
        "documentation": "Measured at fair value for financial reporting purposes."
       }
      }
     },
     "auth_ref": [
      "r793"
     ]
    },
    "us-gaap_PostemploymentRetirementBenefitsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PostemploymentRetirementBenefitsMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Post-Retirement Health and Welfare Benefits",
        "label": "Postemployment Retirement Benefits [Member]",
        "documentation": "Special and contractual termination benefits provided in connection with termination of employment and payable upon retirement, but not payable from defined benefit plan. Excludes benefits payable upon termination from defined benefit pension and other postretirement plan, and postemployment benefits payable before retirement."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PreferredStockConvertibleConversionPrice": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockConvertibleConversionPrice",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Conversion price (in dollars per share)",
        "label": "Preferred Stock, Convertible, Conversion Price",
        "documentation": "Per share conversion price of preferred stock."
       }
      }
     },
     "auth_ref": [
      "r590"
     ]
    },
    "fbc_PreferredStockDividendRateBasisSpreadOnVariableRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "PreferredStockDividendRateBasisSpreadOnVariableRate",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, dividend rate, basis spread on variable rate",
        "label": "Preferred Stock, Dividend Rate, Basis Spread On Variable Rate",
        "documentation": "Preferred Stock, Dividend Rate, Basis Spread On Variable Rate"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PreferredStockDividendRatePercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockDividendRatePercentage",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Dividend rate percentage",
        "label": "Preferred Stock, Dividend Rate, Percentage",
        "documentation": "The percentage rate used to calculate dividend payments on preferred stock."
       }
      }
     },
     "auth_ref": [
      "r589",
      "r1053",
      "r1074",
      "r1078",
      "r1127"
     ]
    },
    "us-gaap_PreferredStockDividendsIncomeStatementImpact": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockDividendsIncomeStatementImpact",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock dividends",
        "label": "Preferred Stock Dividends, Income Statement Impact",
        "documentation": "The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PreferredStockDividendsPerShareCashPaid": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockDividendsPerShareCashPaid",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquityParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Dividends paid on preferred stock (in dollars per share)",
        "label": "Preferred Stock, Dividends, Per Share, Cash Paid",
        "documentation": "Aggregate dividends paid during the period for each share of preferred stock outstanding."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PreferredStockLiquidationPreference": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockLiquidationPreference",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, liquidation preference per share (in dollars per share)",
        "label": "Preferred Stock, Liquidation Preference Per Share",
        "documentation": "The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share."
       }
      }
     },
     "auth_ref": [
      "r99",
      "r100",
      "r185",
      "r1384",
      "r1464"
     ]
    },
    "fbc_PreferredStockLiquidationPreferencePerDepositaryShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "PreferredStockLiquidationPreferencePerDepositaryShare",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock issued during period, per depository share (in dollars per share)",
        "label": "Preferred Stock, Liquidation Preference Per Depositary Share",
        "documentation": "Preferred Stock, Liquidation Preference Per Depositary Share"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PreferredStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockMember",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred Stock (Par Value: $0.01)",
        "label": "Preferred Stock [Member]",
        "documentation": "Preferred shares may provide a preferential dividend to the dividend on common stock and may take precedence over common stock in the event of a liquidation. Preferred shares typically represent an ownership interest in the company."
       }
      }
     },
     "auth_ref": [
      "r1215",
      "r1216",
      "r1219",
      "r1220",
      "r1221",
      "r1224",
      "r1530",
      "r1537"
     ]
    },
    "us-gaap_PreferredStockParOrStatedValuePerShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockParOrStatedValuePerShare",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquityParenthetical",
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, par value (in usd per share)",
        "label": "Preferred Stock, Par or Stated Value Per Share",
        "documentation": "Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer."
       }
      }
     },
     "auth_ref": [
      "r185",
      "r588"
     ]
    },
    "us-gaap_PreferredStockSharesAuthorized": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockSharesAuthorized",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, shares authorized (in shares)",
        "label": "Preferred Stock, Shares Authorized",
        "documentation": "The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws."
       }
      }
     },
     "auth_ref": [
      "r185",
      "r1003"
     ]
    },
    "us-gaap_PreferredStockSharesIssued": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockSharesIssued",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, shares issued (in shares)",
        "label": "Preferred Stock, Shares Issued",
        "documentation": "Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt."
       }
      }
     },
     "auth_ref": [
      "r185",
      "r588"
     ]
    },
    "us-gaap_PreferredStockSharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockSharesOutstanding",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock, shares outstanding (in shares)",
        "label": "Preferred Stock, Shares Outstanding",
        "documentation": "Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased."
       }
      }
     },
     "auth_ref": [
      "r185",
      "r1003",
      "r1021",
      "r1537",
      "r1538"
     ]
    },
    "us-gaap_PreferredStockValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PreferredStockValue",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_StockholdersEquity",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Preferred stock at par $0.01 (5,000,000 shares authorized): Series A (515,000 shares issued and outstanding)",
        "label": "Preferred Stock, Value, Issued",
        "documentation": "Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity."
       }
      }
     },
     "auth_ref": [
      "r185",
      "r929",
      "r1213"
     ]
    },
    "us-gaap_PriorPeriodAdjustmentAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PriorPeriodAdjustmentAbstract",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Measurement Period Adjustments",
        "label": "Prior Period Adjustment [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_PrivateLabelCMOsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "PrivateLabelCMOsMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private Label CMOs",
        "label": "Private Label CMOs [Member]",
        "documentation": "Private Label CMOs"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ProceedsFromInvestingActivitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProceedsFromInvestingActivitiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationCashFlowsStatementDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "CASH FLOWS FROM INVESTING ACTIVITIES:",
        "label": "Proceeds from Investing Activities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ProceedsFromIssuanceOfLongTermDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProceedsFromIssuanceOfLongTermDebt",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from long-term borrowed funds",
        "label": "Proceeds from Issuance of Long-Term Debt",
        "documentation": "The cash inflow from a debt initially having maturity due after one year or beyond the operating cycle, if longer."
       }
      }
     },
     "auth_ref": [
      "r59",
      "r963"
     ]
    },
    "us-gaap_ProceedsFromLifeInsurancePolicies": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProceedsFromLifeInsurancePolicies",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from bank-owned life insurance, net",
        "label": "Proceeds from Life Insurance Policy",
        "documentation": "Amount of cash inflow for proceeds from settlement of corporate-owned life insurance policy, classified as investing activities. Includes, but is not limited to, bank-owned life insurance policy."
       }
      }
     },
     "auth_ref": [
      "r14",
      "r55"
     ]
    },
    "us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 12.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from repayment of securities available for sale",
        "label": "Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale",
        "documentation": "Amount of cash inflow from maturity, prepayment and call of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r362",
      "r363",
      "r1401"
     ]
    },
    "us-gaap_ProceedsFromRepaymentsOfShortTermDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProceedsFromRepaymentsOfShortTermDebt",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": 1.0,
       "order": 7.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net (decrease) increase in short-term borrowed funds",
        "label": "Proceeds from (Repayments of) Short-Term Debt",
        "documentation": "The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProceedsFromSaleOfAvailableForSaleSecuritiesDebt",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesRealizedGainLossDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from sales of securities available for sale including loans that have been securitized",
        "label": "Proceeds from Sale of Debt Securities, Available-for-Sale",
        "documentation": "Amount of cash inflow from sale of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale)."
       }
      }
     },
     "auth_ref": [
      "r56",
      "r362",
      "r440",
      "r473"
     ]
    },
    "fbc_ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 9.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from sales of securities available for sale including loans that have been securitized",
        "label": "Proceeds From Sale Of Debt Securities, Available-For-Sale And Securitized Loans",
        "documentation": "Proceeds From Sale Of Debt Securities, Available-For-Sale And Securitized Loans"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProceedsFromSaleOfFederalHomeLoanBankStock",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Redemption of Federal Home Loan Bank stock",
        "label": "Proceeds from Sale of Federal Home Loan Bank Stock",
        "documentation": "Amount of cash inflow from sale of Federal Home Loan Bank (FHLB) stock."
       }
      }
     },
     "auth_ref": [
      "r1379"
     ]
    },
    "us-gaap_ProceedsFromSaleOfFinanceReceivables": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProceedsFromSaleOfFinanceReceivables",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Proceeds from sales of loans",
        "label": "Proceeds from Sale of Finance Receivables",
        "documentation": "The cash inflow associated with the sale of receivables arising from the financing of goods and services."
       }
      }
     },
     "auth_ref": [
      "r1378"
     ]
    },
    "us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProceedsFromSaleOfMortgageServicingRightsMSR",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net proceeds from sales of MSR's",
        "label": "Proceeds from Sale of Mortgage Servicing Rights (MSR)",
        "documentation": "The cash inflow from the sale of servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. Rights may be obtained via (1) acquisition or assumption of a servicing obligation that does not relate to financial assets of the servicer or its consolidated affiliates; or (2) by originating mortgage loans and then (a) transferring the loans to a Variable Interest Entity (VIE) in a transaction that meets the necessary transfer and classification requirements, or (b) transferring the loans in a transaction that meets the requirements for sale accounting."
       }
      }
     },
     "auth_ref": [
      "r55",
      "r1509"
     ]
    },
    "fbc_ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInInvestingActivities",
       "weight": 1.0,
       "order": 11.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Purchases of premises and equipment, net",
        "label": "Proceeds From Sale (Payments To Acquire) Property, Plant And Equipment",
        "documentation": "Proceeds From Sale (Payments To Acquire) Property, Plant And Equipment"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PropertyPlantAndEquipmentByTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PropertyPlantAndEquipmentByTypeAxis",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Property, Plant and Equipment, Type",
        "label": "Long-Lived Tangible Asset [Axis]",
        "documentation": "Information by type of long-lived, physical assets used to produce goods and services and not intended for resale."
       }
      }
     },
     "auth_ref": [
      "r17"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PropertyPlantAndEquipmentLineItems",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Property, Plant and Equipment [Line Items]",
        "label": "Property, Plant and Equipment [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_PropertyPlantAndEquipmentNet": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PropertyPlantAndEquipmentNet",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 8.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Premises and equipment, net",
        "label": "Property, Plant and Equipment, Net",
        "documentation": "Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures."
       }
      }
     },
     "auth_ref": [
      "r17",
      "r913",
      "r935",
      "r1213"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentOwnedAccumulatedDepreciation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PropertyPlantAndEquipmentOwnedAccumulatedDepreciation",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Accumulated depreciation",
        "label": "Property, Plant, and Equipment, Owned, Accumulated Depreciation",
        "documentation": "Amount of accumulated depreciation from long-lived, depreciable flight asset owned. Excludes right-of-use asset from finance lease for flight asset."
       }
      }
     },
     "auth_ref": [
      "r1452"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentPolicyTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PropertyPlantAndEquipmentPolicyTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Premises and Equipment, Net",
        "label": "Property, Plant and Equipment, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for long-lived, physical asset used in normal conduct of business and not intended for resale. Includes, but is not limited to, work of art, historical treasure, and similar asset classified as collections."
       }
      }
     },
     "auth_ref": [
      "r17",
      "r284",
      "r290",
      "r934"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PropertyPlantAndEquipmentTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Premises and Equipment and Estimated Useful Lives",
        "label": "Property, Plant and Equipment [Table Text Block]",
        "documentation": "Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation."
       }
      }
     },
     "auth_ref": [
      "r17"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PropertyPlantAndEquipmentTypeDomain",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Property, Plant and Equipment, Type",
        "label": "Long-Lived Tangible Asset [Domain]",
        "documentation": "Listing of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software."
       }
      }
     },
     "auth_ref": [
      "r218"
     ]
    },
    "us-gaap_PropertyPlantAndEquipmentUsefulLife": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "PropertyPlantAndEquipmentUsefulLife",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Estimated useful lives",
        "label": "Property, Plant and Equipment, Useful Life",
        "documentation": "Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ProvisionForLoanLossesExpensed": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ProvisionForLoanLossesExpensed",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome": {
       "parentTag": "us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss",
       "weight": -1.0,
       "order": 2.0
      },
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 11.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Provision for credit losses",
        "label": "Financing Receivable, Credit Loss, Expense (Reversal)",
        "documentation": "Amount of credit loss expense (reversal of expense) for financing receivable."
       }
      }
     },
     "auth_ref": [
      "r488",
      "r907"
     ]
    },
    "ecd_PvpTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "PvpTable",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pay vs Performance Disclosure",
        "label": "Pay vs Performance Disclosure [Table]"
       }
      }
     },
     "auth_ref": [
      "r1274"
     ]
    },
    "ecd_PvpTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "PvpTableTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Pay vs Performance Disclosure, Table",
        "label": "Pay vs Performance [Table Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1274"
     ]
    },
    "srt_RangeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "RangeAxis",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statistical Measurement [Axis]",
        "label": "Statistical Measurement [Axis]",
        "documentation": "Information by statistical measurement. Includes, but is not limited to, minimum, maximum, weighted average, arithmetic average, and median."
       }
      }
     },
     "auth_ref": [
      "r542",
      "r543",
      "r544",
      "r545",
      "r623",
      "r673",
      "r706",
      "r707",
      "r708",
      "r846",
      "r890",
      "r946",
      "r993",
      "r994",
      "r1052",
      "r1073",
      "r1079",
      "r1080",
      "r1126",
      "r1165",
      "r1166",
      "r1181",
      "r1197",
      "r1209",
      "r1214",
      "r1217",
      "r1453",
      "r1462",
      "r1507",
      "r1508",
      "r1510",
      "r1511",
      "r1512"
     ]
    },
    "srt_RangeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "RangeMember",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome",
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/LeasesLessorArrangementsNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statistical Measurement [Domain]",
        "label": "Statistical Measurement [Domain]",
        "documentation": "Statistical measurement. Includes, but is not limited to, minimum, maximum, weighted average, arithmetic average, and median."
       }
      }
     },
     "auth_ref": [
      "r542",
      "r543",
      "r544",
      "r545",
      "r623",
      "r673",
      "r706",
      "r707",
      "r708",
      "r846",
      "r890",
      "r946",
      "r993",
      "r994",
      "r1052",
      "r1073",
      "r1079",
      "r1080",
      "r1126",
      "r1165",
      "r1166",
      "r1181",
      "r1197",
      "r1209",
      "r1214",
      "r1217",
      "r1453",
      "r1462",
      "r1507",
      "r1508",
      "r1510",
      "r1511",
      "r1512"
     ]
    },
    "fbc_RateLockCommitmentsAndUSTreasuryFuturesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "RateLockCommitmentsAndUSTreasuryFuturesMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesNetGainLossRecognizedonDesignatedInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rate lock commitments and US Treasury futures",
        "label": "Rate Lock Commitments And U.S. Treasury Futures [Member]",
        "documentation": "Rate Lock Commitments And U.S. Treasury Futures"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_RealEstateOwnedValuationAllowancePolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RealEstateOwnedValuationAllowancePolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "OREO",
        "label": "Real Estate Owned, Valuation Allowance, Policy [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for establishing and maintaining the valuation allowance related to real estate owned."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_RealPropertyCollateralMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "RealPropertyCollateralMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesCollateralDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Real Property",
        "label": "Real Property Collateral [Member]",
        "documentation": "Real Property Collateral"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ReceivablesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ReceivablesAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Receivables [Abstract]",
        "label": "Receivables [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reclassification out of Accumulated Other Comprehensive Income [Axis]",
        "label": "Reclassification out of Accumulated Other Comprehensive Income [Axis]",
        "documentation": "Information by item reclassified out of accumulated other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r356"
     ]
    },
    "us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reclassification out of Accumulated Other Comprehensive Income [Domain]",
        "label": "Reclassification out of Accumulated Other Comprehensive Income [Domain]",
        "documentation": "Item reclassified out of accumulated other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r356"
     ]
    },
    "us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reclassification from AOCI",
        "label": "Reclassification out of Accumulated Other Comprehensive Income [Member]",
        "documentation": "Identifies item reclassified out of accumulated other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": [
      "r356"
     ]
    },
    "us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reclassification out of Accumulated Other Comprehensive Income",
        "label": "Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]",
        "documentation": "Tabular disclosure of information about items reclassified out of accumulated other comprehensive income (loss)."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ReconciliationOfUnrecognizedTaxBenefitsExcludingAmountsPertainingToExaminedTaxReturnsRollForward",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]",
        "label": "Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "ecd_RecoveryOfErrCompDisclosureLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "RecoveryOfErrCompDisclosureLineItems",
     "lang": {
      "en-us": {
       "role": {
        "label": "Recovery of Erroneously Awarded Compensation Disclosure [Line Items]"
       }
      }
     },
     "auth_ref": [
      "r1240",
      "r1252",
      "r1262",
      "r1288"
     ]
    },
    "us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/Capital"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Capital",
        "label": "Regulatory Capital Requirements under Banking Regulations [Text Block]",
        "documentation": "The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union."
       }
      }
     },
     "auth_ref": [
      "r914",
      "r915",
      "r916",
      "r918",
      "r919",
      "r920",
      "r922",
      "r923"
     ]
    },
    "us-gaap_RelatedPartyDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RelatedPartyDomain",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Related Party [Domain]",
        "label": "Related Party, Type [Domain]",
        "documentation": "Related parties include affiliates; other entities for which investments are accounted for by the equity method by the entity; trusts for benefit of employees; and principal owners, management, and members of immediate families. It also may include other parties with which the entity may control or can significantly influence the management or operating policies of the other to an extent that one of the transacting parties might be prevented from fully pursuing its own separate interests."
       }
      }
     },
     "auth_ref": [
      "r650",
      "r831",
      "r832",
      "r997",
      "r998",
      "r999",
      "r1000",
      "r1001",
      "r1020",
      "r1022",
      "r1048"
     ]
    },
    "us-gaap_RelatedPartyTransactionsByRelatedPartyAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RelatedPartyTransactionsByRelatedPartyAxis",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Related Party [Axis]",
        "label": "Related Party, Type [Axis]",
        "documentation": "Information by type of related party. Related parties include, but not limited to, affiliates; other entities for which investments are accounted for by the equity method by the entity; trusts for benefit of employees; and principal owners, management, and members of immediate families. It also may include other parties with which the entity may control or can significantly influence the management or operating policies of the other to an extent that one of the transacting parties might be prevented from fully pursuing its own separate interests."
       }
      }
     },
     "auth_ref": [
      "r650",
      "r831",
      "r832",
      "r894",
      "r895",
      "r896",
      "r897",
      "r898",
      "r899",
      "r900",
      "r901",
      "r902",
      "r903",
      "r904",
      "r905",
      "r997",
      "r998",
      "r999",
      "r1000",
      "r1001",
      "r1020",
      "r1022",
      "r1048",
      "r1503"
     ]
    },
    "us-gaap_RepaymentsOfLongTermDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RepaymentsOfLongTermDebt",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInFinancingActivities",
       "weight": -1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Repayments of long-term borrowed funds",
        "label": "Repayments of Long-Term Debt",
        "documentation": "The cash outflow for debt initially having maturity due after one year or beyond the normal operating cycle, if longer."
       }
      }
     },
     "auth_ref": [
      "r61",
      "r966"
     ]
    },
    "srt_RepurchaseAgreementCounterpartyNameDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "RepurchaseAgreementCounterpartyNameDomain",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Counterparty Name [Domain]",
        "label": "Counterparty Name [Domain]",
        "documentation": "Named other party that participates in a financial transaction. Examples include, but not limited to, the name of the financial institution."
       }
      }
     },
     "auth_ref": [
      "r374",
      "r375",
      "r564",
      "r591",
      "r833",
      "r1173",
      "r1174"
     ]
    },
    "us-gaap_RepurchaseAgreementsInterestExpenseAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RepurchaseAgreementsInterestExpenseAmount",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Repurchase agreements, interest expense",
        "label": "Repurchase Agreements, Interest Expense Amount",
        "documentation": "This is the amount of interest expense incurred during the reporting period as a result of repurchase agreements."
       }
      }
     },
     "auth_ref": [
      "r170",
      "r267"
     ]
    },
    "us-gaap_ResidentialMortgageMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ResidentialMortgageMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Residential first mortgage loans",
        "label": "Residential Mortgage [Member]",
        "documentation": "Loan to purchase or refinance residential real estate for example, but not limited to, a home, in which the real estate itself serves as collateral for the loan."
       }
      }
     },
     "auth_ref": [
      "r1188"
     ]
    },
    "srt_RestatementAdjustmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "RestatementAdjustmentMember",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restatement Adjustment",
        "label": "Revision of Prior Period, Adjustment [Member]",
        "documentation": "Cumulative increase (decrease) for adjustment to previously issued financial statements. Includes, but is not limited to, adjustment for retrospective application of amendment to accounting standards, other change in accounting principle, correction of error, and other revision."
       }
      }
     },
     "auth_ref": [
      "r378",
      "r379",
      "r380",
      "r389",
      "r390",
      "r408",
      "r777",
      "r778",
      "r1325",
      "r1326",
      "r1327",
      "r1328",
      "r1331",
      "r1336",
      "r1337"
     ]
    },
    "srt_RestatementAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "RestatementAxis",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Revision of Prior Period [Axis]",
        "label": "Revision of Prior Period [Axis]",
        "documentation": "Information by adjustment to previously issued financial statements. Includes, but is not limited to, adjustment for retrospective application of amendment to accounting standards, other change in accounting principle, correction of error, and other revision."
       }
      }
     },
     "auth_ref": [
      "r321",
      "r378",
      "r379",
      "r380",
      "r381",
      "r382",
      "r383",
      "r384",
      "r385",
      "r386",
      "r388",
      "r389",
      "r390",
      "r391",
      "r392",
      "r393",
      "r408",
      "r478",
      "r479",
      "r746",
      "r776",
      "r777",
      "r778",
      "r779",
      "r808",
      "r829",
      "r830",
      "r947",
      "r948",
      "r949",
      "r950",
      "r951",
      "r952",
      "r953",
      "r954",
      "r955",
      "r956",
      "r957"
     ]
    },
    "ecd_RestatementDateAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "RestatementDateAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restatement Determination Date:",
        "label": "Restatement Determination Date [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1241",
      "r1253",
      "r1263",
      "r1289"
     ]
    },
    "ecd_RestatementDeterminationDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "RestatementDeterminationDate",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restatement Determination Date",
        "label": "Restatement Determination Date"
       }
      }
     },
     "auth_ref": [
      "r1242",
      "r1254",
      "r1264",
      "r1290"
     ]
    },
    "ecd_RestatementDoesNotRequireRecoveryTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "RestatementDoesNotRequireRecoveryTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restatement does not require Recovery",
        "label": "Restatement Does Not Require Recovery [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1249",
      "r1261",
      "r1271",
      "r1297"
     ]
    },
    "srt_RestatementDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "RestatementDomain",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Revision of Prior Period [Domain]",
        "label": "Revision of Prior Period [Domain]",
        "documentation": "Adjustment to previously issued financial statements. Includes, but is not limited to, adjustment for retrospective application of amendment to accounting standards, other change in accounting principle, correction of error, and other revision."
       }
      }
     },
     "auth_ref": [
      "r321",
      "r378",
      "r379",
      "r380",
      "r381",
      "r382",
      "r383",
      "r384",
      "r385",
      "r386",
      "r388",
      "r389",
      "r390",
      "r391",
      "r392",
      "r393",
      "r408",
      "r478",
      "r479",
      "r746",
      "r776",
      "r777",
      "r778",
      "r779",
      "r808",
      "r829",
      "r830",
      "r947",
      "r948",
      "r949",
      "r950",
      "r951",
      "r952",
      "r953",
      "r954",
      "r955",
      "r956",
      "r957"
     ]
    },
    "us-gaap_RestrictedCash": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RestrictedCash",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restricted cash",
        "label": "Restricted Cash",
        "documentation": "Amount of cash restricted as to withdrawal or usage. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits."
       }
      }
     },
     "auth_ref": [
      "r1369",
      "r1383",
      "r1519",
      "r1527"
     ]
    },
    "us-gaap_RestrictedStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RestrictedStockMember",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails",
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restricted Stock",
        "label": "Restricted Stock [Member]",
        "documentation": "Stock including a provision that prohibits sale or substantive sale of an equity instrument for a specified period of time or until specified performance conditions are met."
       }
      }
     },
     "auth_ref": [
      "r72"
     ]
    },
    "us-gaap_RestrictedStockUnitsRSUMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RestrictedStockUnitsRSUMember",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restricted stock units",
        "label": "Restricted Stock Units (RSUs) [Member]",
        "documentation": "Share instrument which is convertible to stock or an equivalent amount of cash, after a specified period of time or when specified performance conditions are met."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_RestrictedStockandRestrictedStockUnitsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "RestrictedStockandRestrictedStockUnitsMember",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Restricted Stock and Restricted Stock Units",
        "label": "Restricted Stock and Restricted Stock Units [Member]",
        "documentation": "Restricted Stock and Restricted Stock Units [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_RestructuringCharges": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RestructuringCharges",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Acquisition costs",
        "label": "Restructuring Charges",
        "documentation": "Amount of expenses associated with exit or disposal activities pursuant to an authorized plan. Excludes expenses related to a discontinued operation or an asset retirement obligation."
       }
      }
     },
     "auth_ref": [
      "r16",
      "r538",
      "r539",
      "r1454"
     ]
    },
    "us-gaap_RetainedEarningsAccumulatedDeficit": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RetainedEarningsAccumulatedDeficit",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_StockholdersEquity",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Retained earnings",
        "label": "Retained Earnings (Accumulated Deficit)",
        "documentation": "Amount of accumulated undistributed earnings (deficit)."
       }
      }
     },
     "auth_ref": [
      "r188",
      "r225",
      "r932",
      "r951",
      "r956",
      "r967",
      "r1004",
      "r1213"
     ]
    },
    "us-gaap_RetainedEarningsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RetainedEarningsMember",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Retained Earnings",
        "label": "Retained Earnings [Member]",
        "documentation": "Accumulated undistributed earnings (deficit)."
       }
      }
     },
     "auth_ref": [
      "r320",
      "r378",
      "r379",
      "r380",
      "r382",
      "r390",
      "r392",
      "r477",
      "r480",
      "r715",
      "r716",
      "r717",
      "r745",
      "r746",
      "r769",
      "r771",
      "r772",
      "r774",
      "r777",
      "r947",
      "r949",
      "r970",
      "r1537"
     ]
    },
    "us-gaap_RetirementPlanTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RetirementPlanTypeAxis",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Retirement Plan Type [Axis]",
        "label": "Retirement Plan Type [Axis]",
        "documentation": "Information by type of retirement benefit plan. Includes, but is not limited to, retirement benefit arrangement for defined benefit pension and other postretirement plans, retirement benefit arrangement for defined contribution pension and other postretirement plans, and special and contractual termination benefits payable upon retirement."
       }
      }
     },
     "auth_ref": [
      "r600",
      "r602",
      "r603",
      "r604",
      "r605",
      "r606",
      "r607",
      "r608",
      "r609",
      "r610",
      "r611",
      "r612",
      "r613",
      "r614",
      "r615",
      "r616",
      "r617",
      "r618",
      "r619",
      "r620",
      "r621",
      "r622",
      "r623",
      "r624",
      "r626",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r632",
      "r633",
      "r634",
      "r635",
      "r636",
      "r637",
      "r638",
      "r639",
      "r640",
      "r641",
      "r642",
      "r643",
      "r644",
      "r645",
      "r647",
      "r648",
      "r650",
      "r653",
      "r656",
      "r657",
      "r658",
      "r659",
      "r660",
      "r661",
      "r662",
      "r663",
      "r664",
      "r665",
      "r666",
      "r670",
      "r671",
      "r672",
      "r675",
      "r1201",
      "r1202",
      "r1203",
      "r1204",
      "r1205",
      "r1206",
      "r1207",
      "r1208"
     ]
    },
    "us-gaap_RetirementPlanTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RetirementPlanTypeDomain",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsAssetAllocationPercentageDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsCurrentAllocationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsExpectedFuturePaymentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsFairValueofInvestmentsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsWeightedAverageAssumptionDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Retirement Plan Type [Domain]",
        "label": "Retirement Plan Type [Domain]",
        "documentation": "Type of plan designed to provide participants with retirement benefits. Includes, but is not limited to, retirement benefit arrangement for defined benefit pension and other postretirement plans, retirement benefit arrangement for defined contribution pension and other postretirement plans, and special and contractual termination benefits payable upon retirement."
       }
      }
     },
     "auth_ref": [
      "r600",
      "r602",
      "r603",
      "r604",
      "r605",
      "r606",
      "r607",
      "r608",
      "r609",
      "r610",
      "r611",
      "r612",
      "r613",
      "r614",
      "r615",
      "r616",
      "r617",
      "r618",
      "r619",
      "r620",
      "r621",
      "r622",
      "r623",
      "r624",
      "r626",
      "r627",
      "r628",
      "r629",
      "r630",
      "r631",
      "r632",
      "r633",
      "r634",
      "r635",
      "r636",
      "r637",
      "r638",
      "r639",
      "r640",
      "r641",
      "r642",
      "r643",
      "r644",
      "r645",
      "r647",
      "r648",
      "r650",
      "r653",
      "r656",
      "r657",
      "r658",
      "r659",
      "r660",
      "r661",
      "r662",
      "r663",
      "r664",
      "r665",
      "r666",
      "r670",
      "r671",
      "r672",
      "r675",
      "r1201",
      "r1202",
      "r1203",
      "r1204",
      "r1205",
      "r1206",
      "r1207",
      "r1208"
     ]
    },
    "us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Risks Inherent in Servicing Assets and Servicing Liabilities, Type [Domain]",
        "label": "Risks Inherent in Servicing Assets and Servicing Liabilities, Type [Domain]",
        "documentation": "The nature of risks inherent in servicing assets and servicing liabilities."
       }
      }
     },
     "auth_ref": [
      "r869"
     ]
    },
    "ecd_Rule10b51ArrAdoptedFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "Rule10b51ArrAdoptedFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rule 10b5-1 Arrangement Adopted",
        "label": "Rule 10b5-1 Arrangement Adopted [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1306"
     ]
    },
    "ecd_Rule10b51ArrTrmntdFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "Rule10b51ArrTrmntdFlag",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Rule 10b5-1 Arrangement Terminated",
        "label": "Rule 10b5-1 Arrangement Terminated [Flag]"
       }
      }
     },
     "auth_ref": [
      "r1306"
     ]
    },
    "us-gaap_SaleOfStockNameOfTransactionDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SaleOfStockNameOfTransactionDomain",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Sale of Stock [Domain]",
        "label": "Sale of Stock [Domain]",
        "documentation": "Sale of the entity's stock, including, but not limited to, initial public offering (IPO) and private placement."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SaleOfStockNumberOfSharesIssuedInTransaction": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SaleOfStockNumberOfSharesIssuedInTransaction",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Sale of stock issued in transaction (in shares)",
        "label": "Sale of Stock, Number of Shares Issued in Transaction",
        "documentation": "The number of shares issued or sold by the subsidiary or equity method investee per stock transaction."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SaleOfStockPricePerShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SaleOfStockPricePerShare",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Sale of stock price, (in dollars per share)",
        "label": "Sale of Stock, Price Per Share",
        "documentation": "Per share amount received by subsidiary or equity investee for each share of common stock issued or sold in the stock transaction."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivable": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivable",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total lease finance receivables, net",
        "label": "Sales-type and Direct Financing Leases, Lease Receivable",
        "documentation": "Present value of lease payments not yet received by lessor and amount expected to be derived from underlying asset, following end of lease term guaranteed by lessee or other third party unrelated to lessor, from sales-type and direct financing leases."
       }
      }
     },
     "auth_ref": [
      "r823",
      "r828"
     ]
    },
    "fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Plus: deferred origination costs",
        "label": "Sales-Type And Direct Financing Leases, Lease Receivable, Deferred Origination Costs",
        "documentation": "Sales-Type And Direct Financing Leases, Lease Receivable, Deferred Origination Costs"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Maturity Analysis of Undiscounted Lease Receivables",
        "label": "Sales-Type and Direct Financing Leases, Payment to be Received, Maturity [Table Text Block]",
        "documentation": "Tabular disclosure of maturity of undiscounted cash flows to be received on annual basis for sales-type and direct financing leases receivable. Includes, but is not limited to, reconciliation to lease receivable recognized in statement of financial position."
       }
      }
     },
     "auth_ref": [
      "r823"
     ]
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total lease payments",
        "label": "Sales-Type and Direct Financing Leases, Payment to be Received",
        "documentation": "Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases."
       }
      }
     },
     "auth_ref": [
      "r823"
     ]
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails": {
       "parentTag": "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2028",
        "label": "Sales-Type and Direct Financing Leases, Payment to be Received, Year Five",
        "documentation": "Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r823"
     ]
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails": {
       "parentTag": "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2027",
        "label": "Sales-Type and Direct Financing Leases, Payment to be Received, Year Four",
        "documentation": "Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in fourth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r823"
     ]
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails": {
       "parentTag": "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2024",
        "label": "Sales-Type and Direct Financing Leases, Payment to be Received, Year One",
        "documentation": "Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in next fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r823"
     ]
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails": {
       "parentTag": "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Thereafter",
        "label": "Sales-Type and Direct Financing Leases, Payment to be Received, after Year Five",
        "documentation": "Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases after fifth fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r823"
     ]
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails": {
       "parentTag": "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2026",
        "label": "Sales-Type and Direct Financing Leases, Payment to be Received, Year Three",
        "documentation": "Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in third fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r823"
     ]
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails": {
       "parentTag": "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "2025",
        "label": "Sales-Type and Direct Financing Leases, Payment to be Received, Year Two",
        "documentation": "Amount of undiscounted cash flows to be received by lessor for sales-type and direct financing leases in second fiscal year following current fiscal year. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r823"
     ]
    },
    "fbc_SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Less: purchase accounting adjustment",
        "label": "Sales-type and Direct Financing Leases, Lease Receivable, Purchase Accounting Adjustment",
        "documentation": "Sales-type and Direct Financing Leases, Lease Receivable, Purchase Accounting Adjustment"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/LeasesMaturityAnalysisofUndiscountedLeaseReceivablesDetails",
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unearned income",
        "negatedTerseLabel": "Less: unearned income",
        "label": "Sales-type and Direct Financing Leases, Lease Receivable, Undiscounted Excess Amount",
        "documentation": "Amount of undiscounted lease receivable in excess of discounted receivable for sales-type and direct financing leases."
       }
      }
     },
     "auth_ref": [
      "r823"
     ]
    },
    "srt_ScenarioForecastMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "ScenarioForecastMember",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forecast",
        "label": "Forecast [Member]",
        "documentation": "Information reported for future period. Excludes information expected to be reported in future period for effect on historical fact."
       }
      }
     },
     "auth_ref": [
      "r674",
      "r1364",
      "r1393"
     ]
    },
    "srt_ScenarioPreviouslyReportedMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "ScenarioPreviouslyReportedMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Previously Reported",
        "label": "Previously Reported [Member]",
        "documentation": "Represents amount as previously reported before adjustment for retrospective application of amendment to accounting standards, other change in accounting principle, correction of error, and other revision."
       }
      }
     },
     "auth_ref": [
      "r321",
      "r378",
      "r380",
      "r381",
      "r382",
      "r383",
      "r384",
      "r392",
      "r408",
      "r746",
      "r776",
      "r777",
      "r778",
      "r808",
      "r947",
      "r948",
      "r949",
      "r950",
      "r951",
      "r952",
      "r953",
      "r954",
      "r955",
      "r956",
      "r957",
      "r1331",
      "r1334",
      "r1335",
      "r1336",
      "r1392",
      "r1432",
      "r1433",
      "r1487",
      "r1499",
      "r1500"
     ]
    },
    "srt_ScenarioUnspecifiedDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "ScenarioUnspecifiedDomain",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Scenario [Domain]",
        "label": "Scenario [Domain]",
        "documentation": "Scenario reported, distinguishing information from actual fact. Includes, but is not limited to, pro forma and forecast. Excludes actual facts."
       }
      }
     },
     "auth_ref": [
      "r393",
      "r674",
      "r1320",
      "r1393"
     ]
    },
    "us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfAccountsNotesLoansAndFinancingReceivableTable",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails",
      "http://www.flagstar.com/role/LoansandLeasesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Accounts, Notes, Loans and Financing Receivable [Table]",
        "label": "Schedule of Accounts, Notes, Loans and Financing Receivable [Table]",
        "documentation": "Schedule itemizing specific types of trade accounts and notes receivable, and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables."
       }
      }
     },
     "auth_ref": [
      "r50"
     ]
    },
    "us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Components",
        "label": "Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]",
        "documentation": "Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables."
       }
      }
     },
     "auth_ref": [
      "r50"
     ]
    },
    "us-gaap_ScheduleOfAllocationOfPlanAssetsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfAllocationOfPlanAssetsTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Allocation of Plan Assets",
        "label": "Schedule of Allocation of Plan Assets [Table Text Block]",
        "documentation": "Tabular disclosure of the major categories of plan assets of pension plans and/or other employee benefit plans. This information may include, but is not limited to, the target allocation of plan assets, the fair value of each major category of plan assets, and the level within the fair value hierarchy in which the fair value measurements fall."
       }
      }
     },
     "auth_ref": [
      "r227"
     ]
    },
    "us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfAvailableForSaleSecuritiesLineItems",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Securities, Available-for-sale [Line Items]",
        "label": "Debt Securities, Available-for-Sale [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r442",
      "r443",
      "r444",
      "r445",
      "r446",
      "r447",
      "r448",
      "r450",
      "r451",
      "r452",
      "r453",
      "r454"
     ]
    },
    "us-gaap_ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Defined Benefit Plan, Plan with Projected Benefit Obligation in Excess of Plan Assets",
        "label": "Defined Benefit Plan, Plan with Projected Benefit Obligation in Excess of Plan Assets [Table Text Block]",
        "documentation": "Tabular disclosure of benefit obligation and plan assets for defined benefit pension plan with projected benefit obligation in excess of plan assets."
       }
      }
     },
     "auth_ref": [
      "r1201",
      "r1473"
     ]
    },
    "us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfBusinessAcquisitionsByAcquisitionTable",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/BusinessCombinationsProFormaInformationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Business Acquisitions, by Acquisition [Table]",
        "label": "Schedule of Business Acquisitions, by Acquisition [Table]",
        "documentation": "Schedule reflecting each material business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities."
       }
      }
     },
     "auth_ref": [
      "r116",
      "r117",
      "r756"
     ]
    },
    "us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss)",
        "label": "Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss) [Table Text Block]",
        "documentation": "Tabular disclosure of gain (loss) on derivative and nonderivative instruments designated and qualifying as cash flow hedge recorded in accumulated other comprehensive income (AOCI) and reclassified into earnings."
       }
      }
     },
     "auth_ref": [
      "r147"
     ]
    },
    "us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails",
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table]",
        "label": "Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table]",
        "documentation": "A table disclosing the capital amounts and ratios as of the balance sheet date indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity."
       }
      }
     },
     "auth_ref": [
      "r1523",
      "r1524"
     ]
    },
    "us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/CapitalTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Regulatory Capital Ratios",
        "label": "Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]",
        "documentation": "Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity."
       }
      }
     },
     "auth_ref": [
      "r917",
      "r921"
     ]
    },
    "us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Components of the Provision (Benefit) for Income Taxes",
        "label": "Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]",
        "documentation": "Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years."
       }
      }
     },
     "auth_ref": [
      "r232"
     ]
    },
    "srt_ScheduleOfCondensedBalanceSheetTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "ScheduleOfCondensedBalanceSheetTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Statements of Condition",
        "label": "Condensed Balance Sheet [Table Text Block]",
        "documentation": "Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r1365",
      "r1388"
     ]
    },
    "srt_ScheduleOfCondensedCashFlowStatementTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "ScheduleOfCondensedCashFlowStatementTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Statements of Cash Flows",
        "label": "Condensed Cash Flow Statement [Table Text Block]",
        "documentation": "Tabular disclosure of condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r1365",
      "r1388"
     ]
    },
    "srt_ScheduleOfCondensedIncomeStatementTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "ScheduleOfCondensedIncomeStatementTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Condensed Statements of Income",
        "label": "Condensed Income Statement [Table Text Block]",
        "documentation": "Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations."
       }
      }
     },
     "auth_ref": [
      "r1365",
      "r1388"
     ]
    },
    "us-gaap_ScheduleOfDebtTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfDebtTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Debt",
        "label": "Schedule of Debt [Table Text Block]",
        "documentation": "Tabular disclosure of information pertaining to short-term and long-debt instruments or arrangements, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Deferred Tax Assets and Liabilities",
        "label": "Schedule of Deferred Tax Assets and Liabilities [Table Text Block]",
        "documentation": "Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets."
       }
      }
     },
     "auth_ref": [
      "r231"
     ]
    },
    "us-gaap_ScheduleOfDefinedBenefitPlansDisclosuresTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfDefinedBenefitPlansDisclosuresTable",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsObligationsDetails",
      "http://www.flagstar.com/role/EmployeeBenefitsScheduleofNetBenefitCostsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Defined Benefit Plans Disclosures [Table]",
        "label": "Schedule of Defined Benefit Plans Disclosures [Table]",
        "documentation": "Disclosures about an individual defined benefit pension plan or an other postretirement defined benefit plan. It may be appropriate to group certain similar plans. Also includes schedule for fair value of plan assets by major categories of plan assets by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets or liabilities (Level 1), Significant other observable inputs (Level 2), and significant unobservable inputs (Level 3)."
       }
      }
     },
     "auth_ref": [
      "r19",
      "r104",
      "r105",
      "r106",
      "r107"
     ]
    },
    "us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Net Gain (Loss) Recognized in Income on Derivative Instruments",
        "label": "Derivative Instruments, Gain (Loss) [Table Text Block]",
        "documentation": "Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments."
       }
      }
     },
     "auth_ref": [
      "r140",
      "r145",
      "r765"
     ]
    },
    "us-gaap_ScheduleOfDerivativeInstrumentsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfDerivativeInstrumentsTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Derivative Financial Instruments",
        "label": "Schedule of Derivative Instruments [Table Text Block]",
        "documentation": "Tabular disclosure of pertinent information about a derivative or group of derivatives on a disaggregated basis, such as for individual instruments, or small groups of similar instruments. May include a combination of the type of instrument, risks being hedged, notional amount, hedge designation, related hedged item, inception date, maturity date, or other relevant item."
       }
      }
     },
     "auth_ref": [
      "r32",
      "r133",
      "r134",
      "r135",
      "r138",
      "r141",
      "r145",
      "r150",
      "r152"
     ]
    },
    "us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Computation of Basic and Diluted Earnings Per Share of Common Stock",
        "label": "Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]",
        "documentation": "Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations."
       }
      }
     },
     "auth_ref": [
      "r1395"
     ]
    },
    "us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Differences Between the Effective Tax Rate and the Statutory Federal Tax Rate",
        "label": "Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]",
        "documentation": "Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations."
       }
      }
     },
     "auth_ref": [
      "r230"
     ]
    },
    "us-gaap_ScheduleOfExpectedBenefitPaymentsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfExpectedBenefitPaymentsTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Expected Benefit Payments",
        "label": "Schedule of Expected Benefit Payments [Table Text Block]",
        "documentation": "Tabular disclosure of benefits expected to be paid by pension plans and/or other employee benefit plans in each of the next five fiscal years and in the aggregate for the five fiscal years thereafter."
       }
      }
     },
     "auth_ref": [
      "r228"
     ]
    },
    "us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Instruments Carried at Fair Value",
        "label": "Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]",
        "documentation": "Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3)."
       }
      }
     },
     "auth_ref": [
      "r781",
      "r782"
     ]
    },
    "us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank",
        "label": "Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]",
        "documentation": "Tabular disclosure of advances by federal home loan bank by branch."
       }
      }
     },
     "auth_ref": [
      "r180",
      "r254",
      "r272"
     ]
    },
    "us-gaap_ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Collateral",
        "label": "Schedule of Financial Instruments Owned and Pledged as Collateral [Table Text Block]",
        "documentation": "Tabular disclosure of financial instruments held by the entity for its own account for trading or investment purposes that are carried at fair value and pledged to counterparties as collateral for financing transactions. Description may include equity, fixed income, debt or other securities."
       }
      }
     },
     "auth_ref": [
      "r243",
      "r1514"
     ]
    },
    "us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfFinancingReceivableAllowanceForCreditLossesTable",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofActivityintheAllowanceforLoanandLeaseLossesDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Allowance for Loan Losses [Table]",
        "verboseLabel": "Financing Receivable, Allowance for Credit Loss [Table]",
        "label": "Financing Receivable, Allowance for Credit Loss [Table]",
        "documentation": "Disclosure of information about allowance for credit loss on financing receivable."
       }
      }
     },
     "auth_ref": [
      "r302",
      "r1435"
     ]
    },
    "us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Credit Quality Indicator [Table]",
        "label": "Financing Receivable, Credit Quality Indicator [Table]",
        "documentation": "Disclosure of information about credit quality indicator for financing receivable."
       }
      }
     },
     "auth_ref": [
      "r1188",
      "r1437"
     ]
    },
    "us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesFinancialEffectofTDRsDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoanModificationsDetails",
      "http://www.flagstar.com/role/LoansandLeasesPerformanceofLoansModifiedinLast12MonthsDetails",
      "http://www.flagstar.com/role/LoansandLeasesTDRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Troubled Debt Restructuring [Table]",
        "label": "Financing Receivable, Modified [Table]",
        "documentation": "Disclosure of information about financing receivable modified for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r431",
      "r432",
      "r433",
      "r434",
      "r1181"
     ]
    },
    "us-gaap_ScheduleOfFinancingReceivablesPastDueTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfFinancingReceivablesPastDueTable",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesQualityofLoansHeldforInvestmentDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financing Receivable, Past Due [Table]",
        "label": "Financing Receivable, Past Due [Table]",
        "documentation": "Disclosure of information about aging analysis for financing receivable."
       }
      }
     },
     "auth_ref": [
      "r1189",
      "r1436"
     ]
    },
    "us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfFiniteLivedIntangibleAssetsTable",
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails",
      "http://www.flagstar.com/role/IntangibleAssetsScheduleIntangibleAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Finite-Lived Intangible Assets [Table]",
        "label": "Schedule of Finite-Lived Intangible Assets [Table]",
        "documentation": "Schedule of assets, excluding financial assets and goodwill, lacking physical substance with a finite life."
       }
      }
     },
     "auth_ref": [
      "r91",
      "r93",
      "r892"
     ]
    },
    "us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Finite-Lived Intangible Assets",
        "label": "Schedule of Finite-Lived Intangible Assets [Table Text Block]",
        "documentation": "Tabular disclosure of assets, excluding financial assets and goodwill, lacking physical substance with a finite life, by either major class or business segment."
       }
      }
     },
     "auth_ref": [
      "r91",
      "r93"
     ]
    },
    "us-gaap_ScheduleOfGoodwillTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfGoodwillTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Goodwill",
        "label": "Schedule of Goodwill [Table Text Block]",
        "documentation": "Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule."
       }
      }
     },
     "auth_ref": [
      "r1191",
      "r1441",
      "r1442",
      "r1443",
      "r1444",
      "r1445",
      "r1446",
      "r1447",
      "r1448",
      "r1449",
      "r1450",
      "r1451"
     ]
    },
    "us-gaap_ScheduleOfGuaranteeObligationsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfGuaranteeObligationsTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Guarantor Obligations",
        "label": "Schedule of Guarantor Obligations [Table Text Block]",
        "documentation": "Tabular disclosure of each guarantee obligation, or each group of similar guarantee obligations, including (a) the nature of the guarantee, including its term, how it arose, and the events or circumstances that would require the guarantor to perform under the guarantee; (b) the maximum potential amount of future payments (undiscounted) the guarantor could be required to make under the guarantee; (c) the current carrying amount of the liability, if any, for the guarantor's obligations under the guarantee; and (d) the nature of any recourse provisions under the guarantee, and any assets held either as collateral or by third parties, and any relevant related party disclosure. Excludes disclosures about product warranties."
       }
      }
     },
     "auth_ref": [
      "r1456"
     ]
    },
    "us-gaap_ScheduleOfImpairedFinancingReceivableTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfImpairedFinancingReceivableTable",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesScheduleofAdditionalInformationaboutNonaccrualLoansDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Impaired Financing Receivable [Table]",
        "label": "Schedule of Impaired Financing Receivable [Table]",
        "documentation": "Schedule of the recorded investment, unpaid principal balance, associated allowance, average recorded investment, accounting policies, and interest income recognized on the accrual and cash basis for impaired financing receivables by class of financing receivable."
       }
      }
     },
     "auth_ref": [
      "r82"
     ]
    },
    "us-gaap_ScheduleOfInvestmentsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfInvestmentsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Investments [Line Items]",
        "label": "Schedule of Investments [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r1049",
      "r1050",
      "r1051",
      "r1052",
      "r1053",
      "r1054",
      "r1055",
      "r1056",
      "r1057",
      "r1058",
      "r1059",
      "r1060",
      "r1061",
      "r1062",
      "r1063",
      "r1064",
      "r1065",
      "r1066",
      "r1067",
      "r1068",
      "r1070",
      "r1072",
      "r1076",
      "r1077",
      "r1078",
      "r1079",
      "r1080",
      "r1081",
      "r1082",
      "r1083",
      "r1084",
      "r1085",
      "r1086",
      "r1087",
      "r1088",
      "r1089",
      "r1090",
      "r1091",
      "r1092",
      "r1093",
      "r1094",
      "r1095",
      "r1096",
      "r1097",
      "r1098",
      "r1099",
      "r1117",
      "r1118",
      "r1119",
      "r1120",
      "r1121",
      "r1122",
      "r1123",
      "r1124",
      "r1125",
      "r1126",
      "r1127",
      "r1128",
      "r1129",
      "r1134",
      "r1135",
      "r1136",
      "r1137",
      "r1138",
      "r1139"
     ]
    },
    "us-gaap_ScheduleOfInvestmentsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfInvestmentsTable",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Investments [Table]",
        "label": "Schedule of Investments [Table]",
        "documentation": "Disclosure of information about investments owned by investment company."
       }
      }
     },
     "auth_ref": [
      "r1049",
      "r1050",
      "r1051",
      "r1052",
      "r1053",
      "r1054",
      "r1055",
      "r1056",
      "r1057",
      "r1058",
      "r1059",
      "r1060",
      "r1061",
      "r1062",
      "r1063",
      "r1064",
      "r1065",
      "r1066",
      "r1067",
      "r1068",
      "r1070",
      "r1072",
      "r1076",
      "r1077",
      "r1078",
      "r1079",
      "r1080",
      "r1081",
      "r1082",
      "r1083",
      "r1084",
      "r1085",
      "r1086",
      "r1087",
      "r1088",
      "r1089",
      "r1090",
      "r1091",
      "r1092",
      "r1093",
      "r1094",
      "r1095",
      "r1096",
      "r1097",
      "r1098",
      "r1099",
      "r1117",
      "r1118",
      "r1119",
      "r1121",
      "r1122",
      "r1123",
      "r1124",
      "r1125",
      "r1126",
      "r1127",
      "r1128",
      "r1129",
      "r1134",
      "r1135",
      "r1136",
      "r1137",
      "r1138",
      "r1139"
     ]
    },
    "us-gaap_ScheduleOfNetBenefitCostsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfNetBenefitCostsTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Net Benefit Costs",
        "label": "Schedule of Net Benefit Costs [Table Text Block]",
        "documentation": "Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments."
       }
      }
     },
     "auth_ref": [
      "r229"
     ]
    },
    "us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Adoption of New Accounting Standards",
        "label": "Accounting Standards Update and Change in Accounting Principle [Table Text Block]",
        "documentation": "Tabular disclosure of changes in accounting principles, including adoption of new accounting pronouncements, that describes the new methods, amount and effects on financial statement line items."
       }
      }
     },
     "auth_ref": [
      "r70",
      "r71",
      "r74",
      "r75"
     ]
    },
    "us-gaap_ScheduleOfPropertyPlantAndEquipmentTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfPropertyPlantAndEquipmentTable",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEstimatedUsefulLivesofRespectiveAssetsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Property, Plant and Equipment [Table]",
        "label": "Property, Plant and Equipment [Table]",
        "documentation": "Disclosure of information about physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation."
       }
      }
     },
     "auth_ref": [
      "r17"
     ]
    },
    "us-gaap_ScheduleOfRealizedGainLossTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfRealizedGainLossTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Realized Gain (Loss)",
        "label": "Schedule of Realized Gain (Loss) [Table Text Block]",
        "documentation": "Tabular disclosure of the proceeds from sales of available-for-sale securities and the gross realized gains and gross realized losses that have been included in earnings as a result of those sales."
       }
      }
     },
     "auth_ref": [
      "r1426"
     ]
    },
    "us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Net Assets Acquired",
        "label": "Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]",
        "documentation": "Tabular disclosure of the amounts recognized as of the acquisition date for each major class of assets acquired and liabilities assumed. May include but not limited to the following: (a) acquired receivables; (b) contingencies recognized at the acquisition date; and (c) the fair value of noncontrolling interests in the acquiree."
       }
      }
     },
     "auth_ref": [
      "r237"
     ]
    },
    "us-gaap_ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Adverse Changes to Weighted-Average Assumptions on the Fair Value of Servicing Rights",
        "label": "Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table Text Block]",
        "documentation": "Tabular disclosure of a sensitivity analysis or stress test showing the hypothetical effect on the fair value of the transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) of two or more unfavorable variations from the expected levels for each key assumption that is reported, independently determined from any change in another key assumption, and a description of the objectives, methodology, and limitations of the sensitivity analysis or stress test."
       }
      }
     },
     "auth_ref": [
      "r1513"
     ]
    },
    "fbc_ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Income and Fees",
        "label": "Schedule of Servicing Assets at Fair Value, Servicing Fees [Table Text Block]",
        "documentation": "Tabular disclosure of contractual servicing fees, including late fees and ancillary income, for each type of loan serviced."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfServicingAssetsAtFairValueTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Changes in the Fair Value of Residential First Mortgage MSRs",
        "label": "Schedule of Servicing Assets at Fair Value [Table Text Block]",
        "documentation": "Tabular disclosure of the activity in the balance of servicing assets (including a description of where changes in fair value are reported in the statement of income for each period for which results of operations are presented), including but not limited to, the following: beginning and ending balances, additions (for instance, through purchases of servicing assets), disposals, changes in fair value during the period resulting from changes in inputs or assumptions used in the valuation model, other changes in fair value along with a description of those changes, and other changes that affect the balance along with a description of those changes."
       }
      }
     },
     "auth_ref": [
      "r1518"
     ]
    },
    "us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]",
        "label": "Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table]",
        "documentation": "Disclosure of information about share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r677",
      "r679",
      "r681",
      "r682",
      "r683",
      "r685",
      "r686",
      "r687",
      "r688",
      "r689",
      "r690",
      "r691",
      "r692",
      "r693",
      "r694",
      "r695",
      "r696",
      "r697",
      "r698",
      "r699",
      "r700",
      "r701",
      "r702",
      "r705",
      "r706",
      "r707",
      "r708",
      "r709"
     ]
    },
    "us-gaap_ScheduleOfSubordinatedBorrowingTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfSubordinatedBorrowingTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Subordinated Borrowing",
        "label": "Schedule of Subordinated Borrowing [Table Text Block]",
        "documentation": "Tabular disclosure of borrowings under subordinated debt agreements that qualify as available in computing net capital under SEC uniform net capital rules for broker-dealers, including restrictive covenants, collateral, interest rates and due dates, amounts due by date and amount owed in total."
       }
      }
     },
     "auth_ref": [
      "r272"
     ]
    },
    "us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfTradingSecuritiesAndOtherTradingAssetsLineItems",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt and Equity Securities, FV-NI [Line Items]",
        "label": "Debt and Equity Securities, FV-NI [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleOfTradingSecuritiesAndOtherTradingAssetsTable",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Securities, Trading, and Equity Securities, FV-NI [Table]",
        "label": "Debt Securities, Trading, and Equity Securities, FV-NI [Table]",
        "documentation": "Disclosure of information about investment in debt security measured at fair value with change in fair value recognized in net income (trading) and investment in equity security with change in fair value recognized in net income (FV-NI)."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Changes in Fair Value Included in Earnings - Fair Value Option",
        "label": "Schedule of Changes in Fair Value Included in Earnings [Table Text Block]",
        "documentation": "For each line item in the statement of financial position, the amounts of gains and losses from fair value changes included in earnings."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/IntangibleAssetsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Finite-Lived Intangible Assets, Future Amortization Expense",
        "label": "Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]",
        "documentation": "Tabular disclosure of the amount of amortization expense expected to be recorded in succeeding fiscal years for finite-lived intangible assets."
       }
      }
     },
     "auth_ref": [
      "r93"
     ]
    },
    "us-gaap_SecuredLongtermDebtCurrentAndNoncurrentAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SecuredLongtermDebtCurrentAndNoncurrentAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Securities:",
        "label": "Secured Debt [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SecuredOvernightFinancingRateSOFRMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SecuredOvernightFinancingRateSOFRMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Secured Overnight Financing Rate (SOFR)",
        "label": "Secured Overnight Financing Rate (SOFR) [Member]",
        "documentation": "Secured Overnight Financing Rate (SOFR)"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SecuritiesBorrowedAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SecuritiesBorrowedAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Borrowed funds:",
        "label": "Securities Borrowed [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SecuritiesForReverseRepurchaseAgreements": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SecuritiesForReverseRepurchaseAgreements",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Securities reverse repurchase",
        "label": "Securities for Reverse Repurchase Agreements",
        "documentation": "The carrying value of securities purchased to be resold in reverse repurchase transactions as of the balance sheet date."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleLineItems",
     "presentation": [
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private-label Securitizations [Line Items]",
        "label": "Securitization or Asset-Backed Financing Arrangement, Financial Asset for which Transfer is Accounted as Sale [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r841"
     ]
    },
    "us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleTable",
     "presentation": [
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Private-label Securitizations [Table]",
        "label": "Schedule of Securitization or Asset-Backed Financing Arrangements, Financial Asset for which Transfer is Accounted as Sale [Table]",
        "documentation": "The gains or losses by type of financial asset in a securitization, asset-backed financing arrangement, or similar transfer recognized when a transfer is accounted for as a sale."
       }
      }
     },
     "auth_ref": [
      "r841"
     ]
    },
    "fbc_SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Securitization of loans to mortgage-backed securities available for sale",
        "label": "Securitization of Loans to Mortgage-Backed Securities Available-for-Sale",
        "documentation": "Securitization of Loans to Mortgage-Backed Securities Available-for-Sale"
       }
      }
     },
     "auth_ref": []
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "Security12bTitle",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Title of 12(b) Security",
        "label": "Title of 12(b) Security",
        "documentation": "Title of a 12(b) registered security."
       }
      }
     },
     "auth_ref": [
      "r1233"
     ]
    },
    "dei_SecurityExchangeName": {
     "xbrltype": "edgarExchangeCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Security Exchange Name",
        "label": "Security Exchange Name",
        "documentation": "Name of the Exchange on which a security is registered."
       }
      }
     },
     "auth_ref": [
      "r1236"
     ]
    },
    "srt_SegmentGeographicalDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "SegmentGeographicalDomain",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Segment, Geographical [Domain]",
        "label": "Geographical [Domain]",
        "documentation": "Geographical area."
       }
      }
     },
     "auth_ref": [
      "r308",
      "r310",
      "r311",
      "r312",
      "r313",
      "r314",
      "r315",
      "r316",
      "r317",
      "r421",
      "r422",
      "r984",
      "r988",
      "r990",
      "r1058",
      "r1075",
      "r1096",
      "r1136",
      "r1155",
      "r1156",
      "r1157",
      "r1158",
      "r1159",
      "r1160",
      "r1161",
      "r1162",
      "r1163",
      "r1168",
      "r1198",
      "r1217",
      "r1465",
      "r1528"
     ]
    },
    "fbc_SensitivityAnalysisActualAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SensitivityAnalysisActualAbstract",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Actual",
        "label": "Sensitivity Analysis, Actual [Abstract]",
        "documentation": "Sensitivity Analysis, Actual [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SensitivityAnalysisAdverseChangeTranche1Abstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SensitivityAnalysisAdverseChangeTranche1Abstract",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "10% adverse change",
        "label": "Sensitivity Analysis, Adverse Change, Tranche 1 [Abstract]",
        "documentation": "Sensitivity Analysis, Adverse Change, Tranche 1 [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SensitivityAnalysisAdverseChangeTranche2Abstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SensitivityAnalysisAdverseChangeTranche2Abstract",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "20% adverse change",
        "label": "Sensitivity Analysis, Adverse Change, Tranche 2 [Abstract]",
        "documentation": "Sensitivity Analysis, Adverse Change, Tranche 2 [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average cost to service per loan",
        "label": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Other Assumption",
        "documentation": "The hypothetical financial impact of a 10 percent adverse change of the specified assumption on the fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) as of the balance sheet date."
       }
      }
     },
     "auth_ref": [
      "r1513"
     ]
    },
    "us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Constant prepayment rate (as a percent)",
        "label": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Prepayment Speed",
        "documentation": "The hypothetical financial impact of a 10 percent adverse change of prepayment speed on the fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) as of the balance sheet date."
       }
      }
     },
     "auth_ref": [
      "r1513"
     ]
    },
    "us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average cost to service per loan",
        "label": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Other Assumption",
        "documentation": "The hypothetical financial impact of a 20 percent adverse change of the specified assumption on the fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) as of the balance sheet date."
       }
      }
     },
     "auth_ref": [
      "r1513"
     ]
    },
    "us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Constant prepayment rate (as a percent)",
        "label": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Prepayment Speed",
        "documentation": "The hypothetical financial impact of a 20 percent adverse change of prepayment speed on the fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) as of the balance sheet date."
       }
      }
     },
     "auth_ref": [
      "r1513"
     ]
    },
    "us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Constant prepayment rate (as a percent)",
        "label": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Prepayment Speed, Percent",
        "documentation": "A specified percentage variance in the prepayment speed assumption in the determination of fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities)."
       }
      }
     },
     "auth_ref": [
      "r1513"
     ]
    },
    "fbc_SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average cost to service (per loan)",
        "label": "Sensitivity Analysis of Fair Values, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Other Assumption, Per Loan",
        "documentation": "Sensitivity Analysis of Fair Values, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Other Assumption, Per Loan"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Option adjusted spread (percent)",
        "label": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Option Adjusted Spread",
        "documentation": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Option Adjusted Spread"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Option adjusted spread (percent)",
        "label": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Option Adjusted Spread",
        "documentation": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Option Adjusted Spread"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Option adjusted spread (percent)",
        "label": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Option Adjusted Spread, Percent",
        "documentation": "Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of Other than 10 or 20 Percent Adverse Change in Option Adjusted Spread, Percent"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SeriesBNoncumulativeConvertiblePreferredStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SeriesBNoncumulativeConvertiblePreferredStockMember",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Series B Noncumulative Convertible Preferred Stock",
        "label": "Series B Noncumulative Convertible Preferred Stock [Member]",
        "documentation": "Series B Noncumulative Convertible Preferred Stock"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SeriesCNoncumulativeConvertiblePreferredStockMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SeriesCNoncumulativeConvertiblePreferredStockMember",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Series C Noncumulative Convertible Preferred Stock",
        "label": "Series C Noncumulative Convertible Preferred Stock [Member]",
        "documentation": "Series C Noncumulative Convertible Preferred Stock"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ServicingAsset": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAsset",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_Assets",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage servicing rights",
        "label": "Servicing Asset",
        "documentation": "Aggregate amount of servicing assets that are subsequently measured at fair value and servicing assets that are subsequently measured using the amortization method."
       }
      }
     },
     "auth_ref": [
      "r867"
     ]
    },
    "us-gaap_ServicingAssetAtFairValueAdditions": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetAtFairValueAdditions",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Additions from loans sold with servicing retained",
        "label": "Servicing Asset at Fair Value, Additions",
        "documentation": "The value of new servicing assets, subsequently measured at fair value, acquired or created during the current period through purchases or from transfers of financial assets."
       }
      }
     },
     "auth_ref": [
      "r873"
     ]
    },
    "us-gaap_ServicingAssetAtFairValueAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetAtFairValueAmount",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails": {
       "parentTag": "us-gaap_AssetsFairValueDisclosure",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Beginning balance",
        "periodEndLabel": "Ending balance",
        "terseLabel": "Mortgage servicing rights",
        "label": "Servicing Asset at Fair Value, Amount",
        "documentation": "Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements."
       }
      }
     },
     "auth_ref": [
      "r865",
      "r866",
      "r867",
      "r872"
     ]
    },
    "us-gaap_ServicingAssetAtFairValueAmountRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetAtFairValueAmountRollForward",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Servicing Asset at Fair Value [Roll Forward]",
        "label": "Servicing Asset at Fair Value, Amount [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ServicingAssetAtFairValueDisposals": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetAtFairValueDisposals",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Reductions from sales",
        "label": "Servicing Asset at Fair Value, Disposals",
        "documentation": "Decrease in servicing assets subsequently measured at fair value resulting from conveyance of servicing rights to unrelated parties."
       }
      }
     },
     "auth_ref": [
      "r874"
     ]
    },
    "us-gaap_ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration": {
     "xbrltype": "enumerationSetItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Servicing Asset, Fair Value, Change in Fair Value, Other, Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "label": "Servicing Asset, Fair Value, Change in Fair Value, Other, Statement of Income or Comprehensive Income [Extensible Enumeration]",
        "documentation": "Indicates line item in statement of income or comprehensive income that includes increase (decrease) in fair value classified as other for contract to service financial asset under which benefit of servicing is expected to more than adequately compensate servicer."
       }
      }
     },
     "auth_ref": [
      "r871"
     ]
    },
    "us-gaap_ServicingAssetAtFairValueOtherChangesInFairValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetAtFairValueOtherChangesInFairValue",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Servicing Asset at Fair Value, Other Changes in Fair Value",
        "label": "Servicing Asset at Fair Value, Other Changes in Fair Value",
        "documentation": "Amount of increase (decrease) from changes in fair value classified as other for a contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer."
       }
      }
     },
     "auth_ref": [
      "r876"
     ]
    },
    "us-gaap_ServicingAssetAtFairValuePeriodIncreaseDecrease": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetAtFairValuePeriodIncreaseDecrease",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Changes in estimates of fair value due to interest rate risk",
        "terseLabel": "Changes in fair value due to interest rate risk",
        "label": "Servicing Asset at Fair Value, Period Increase (Decrease)",
        "documentation": "The increase (decrease) in the fair value of servicing assets that are subsequently measured at fair value."
       }
      }
     },
     "auth_ref": [
      "r1518"
     ]
    },
    "us-gaap_ServicingAssetMeasurementInput": {
     "xbrltype": "decimalItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetMeasurementInput",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresNarrativeDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Mortgage servicing rights, measurement input",
        "label": "Servicing Asset, Measurement Input",
        "documentation": "Value of input used to measure servicing asset."
       }
      }
     },
     "auth_ref": [
      "r785"
     ]
    },
    "fbc_ServicingAssetatFairValueNetTransactionCosts": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "ServicingAssetatFairValueNetTransactionCosts",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Net transaction costs",
        "label": "Servicing Asset at Fair Value, Net Transaction Costs",
        "documentation": "The total amount of net transaction costs earned on loans serviced and subserviced for others during the period for which results of operations are presented."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ServicingAssetsAtFairValueLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetsAtFairValueLineItems",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Servicing Assets at Fair Value [Line Items]",
        "label": "Servicing Assets at Fair Value [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r872",
      "r873",
      "r874",
      "r875",
      "r885"
     ]
    },
    "us-gaap_ServicingAssetsAtFairValueTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ServicingAssetsAtFairValueTable",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofAdverseChangestoWeightedAverageAssumptionsontheFairValueofServicingRightsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Schedule of Servicing Assets at Fair Value [Table]",
        "label": "Schedule of Servicing Assets at Fair Value [Table]",
        "documentation": "Activity in the balance of servicing assets subsequently measured at fair value (including a description of where changes in fair value are reported in the statement of income for each period for which results of operations are presented), including but not limited to, the following: beginning and ending balances, additions (through purchases of servicing assets and servicing assets that result from transfers of financial assets), disposals, changes in fair value during the period resulting from changes in valuations inputs or assumptions used in the valuation model, other changes in fair value along with a description of those changes, and other changes that affect the balance along with a description of those changes."
       }
      }
     },
     "auth_ref": [
      "r872",
      "r873",
      "r874",
      "r875",
      "r885"
     ]
    },
    "us-gaap_ShareBasedCompensation": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensation",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows": {
       "parentTag": "us-gaap_NetCashProvidedByUsedInOperatingActivities",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock-based compensation",
        "label": "Share-Based Payment Arrangement, Noncash Expense",
        "documentation": "Amount of noncash expense for share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r15"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Vesting period",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period",
        "documentation": "Period over which grantee's right to exercise award under share-based payment arrangement is no longer contingent on satisfaction of service or performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days. Includes, but is not limited to, combination of market, performance or service condition."
       }
      }
     },
     "auth_ref": [
      "r1210"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Forfeited (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period",
        "documentation": "The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period."
       }
      }
     },
     "auth_ref": [
      "r698"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Forfeited (in usd per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value",
        "documentation": "Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event."
       }
      }
     },
     "auth_ref": [
      "r698"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Granted (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period",
        "documentation": "The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan)."
       }
      }
     },
     "auth_ref": [
      "r696"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Granted (in usd per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value",
        "documentation": "The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan)."
       }
      }
     },
     "auth_ref": [
      "r696"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Non-vested balance at beginning of period (in shares)",
        "periodEndLabel": "Non-vested balance at end of period (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number",
        "documentation": "The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date."
       }
      }
     },
     "auth_ref": [
      "r693",
      "r694"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of Shares",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]",
        "documentation": "A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Non-vested balance at beginning of period (in usd per share)",
        "periodEndLabel": "Non-vested balance at end of period (in usd per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value",
        "documentation": "Per share or unit weighted-average fair value of nonvested award under share-based payment arrangement. Excludes share and unit options."
       }
      }
     },
     "auth_ref": [
      "r693",
      "r694"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Grant Date Fair Value",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Vested (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period",
        "documentation": "The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period."
       }
      }
     },
     "auth_ref": [
      "r697"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Vested (in usd per share)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value",
        "documentation": "The weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement."
       }
      }
     },
     "auth_ref": [
      "r697"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Share-based Compensation Arrangement by Share-based Payment Award [Line Items]",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r677",
      "r679",
      "r681",
      "r682",
      "r683",
      "r685",
      "r686",
      "r687",
      "r688",
      "r689",
      "r690",
      "r691",
      "r692",
      "r693",
      "r694",
      "r695",
      "r696",
      "r697",
      "r698",
      "r699",
      "r700",
      "r701",
      "r702",
      "r705",
      "r706",
      "r707",
      "r708",
      "r709"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Options available for future grants (in shares)",
        "label": "Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Available for Grant",
        "documentation": "The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable."
       }
      }
     },
     "auth_ref": [
      "r109"
     ]
    },
    "us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansNarrativeDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofPerformanceBasedRestrictedStockActivityDetails",
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansSummaryofRestrictedStockActivityDetails",
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Award Type [Domain]",
        "label": "Award Type [Domain]",
        "documentation": "Award under share-based payment arrangement."
       }
      }
     },
     "auth_ref": [
      "r681",
      "r682",
      "r683",
      "r685",
      "r686",
      "r687",
      "r688",
      "r689",
      "r690",
      "r691",
      "r692",
      "r693",
      "r694",
      "r695",
      "r696",
      "r697",
      "r698",
      "r699",
      "r700",
      "r701",
      "r702",
      "r705",
      "r706",
      "r707",
      "r708",
      "r709"
     ]
    },
    "us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationOptionAndIncentivePlansPolicy",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock-based Compensation",
        "label": "Share-Based Payment Arrangement [Policy Text Block]",
        "documentation": "Disclosure of accounting policy for award under share-based payment arrangement. Includes, but is not limited to, methodology and assumption used in measuring cost."
       }
      }
     },
     "auth_ref": [
      "r676",
      "r684",
      "r703",
      "r704",
      "r705",
      "r706",
      "r709",
      "r718",
      "r719",
      "r720",
      "r721"
     ]
    },
    "us-gaap_ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/StockRelatedBenefitsPlansTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Performance-Based Restricted Stock Activity",
        "label": "Share-Based Payment Arrangement, Performance Shares, Activity [Table Text Block]",
        "documentation": "Tabular disclosure of number and weighted-average grant date fair value for nonvested performance shares."
       }
      }
     },
     "auth_ref": [
      "r40"
     ]
    },
    "us-gaap_SharesIssuedPricePerShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SharesIssuedPricePerShare",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Shares issued, price per share (in usd per share)",
        "label": "Shares Issued, Price Per Share",
        "documentation": "Per share or per unit amount of equity securities issued."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SharesIssuedPricePerShareSplitAdjustedBasis": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SharesIssuedPricePerShareSplitAdjustedBasis",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Shares issued price per share split adjusted basis (in usd per share)",
        "label": "Shares Issued Price Per Share Split Adjusted Basis",
        "documentation": "Shares Issued Price Per Share Split Adjusted Basis"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SharesOutstanding",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "periodStartLabel": "Beginning balance (in shares)",
        "periodEndLabel": "Ending balance (in shares)",
        "label": "Shares, Outstanding",
        "documentation": "Number of shares issued which are neither cancelled nor held in the treasury."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SharesSubjectToMandatoryRedemptionSettlementTermsAmount",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsJuniorSubordinatedDebenturesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Capital Securities Amount Outstanding",
        "label": "Financial Instruments Subject to Mandatory Redemption, Settlement Terms, Share Value, Amount",
        "documentation": "Amount that would be paid, determined under the conditions specified in the contract, if the holder of the share has the right to redeem the shares."
       }
      }
     },
     "auth_ref": [
      "r98"
     ]
    },
    "us-gaap_SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Settlement terms, fair value of shares amount",
        "label": "Financial Instruments Subject to Mandatory Redemption, Settlement Terms, Fair Value of Shares",
        "documentation": "The fair value of shares that would be issued, determined under the conditions specified in the contract if the settlement were to occur at the reporting date."
       }
      }
     },
     "auth_ref": [
      "r98"
     ]
    },
    "fbc_SignatureBankMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SignatureBankMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Signature Bank",
        "label": "Signature Bank [Member]",
        "documentation": "Signature Bank"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SignatureBridgeBankMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SignatureBridgeBankMember",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails",
      "http://www.flagstar.com/role/BusinessCombinationsNetAssetsAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPCDLoansAcquiredDetails",
      "http://www.flagstar.com/role/BusinessCombinationsPreliminaryAllocationDetails",
      "http://www.flagstar.com/role/IntangibleAssetsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Signature Bridge Bank",
        "label": "Signature Bridge Bank [Member]",
        "documentation": "Signature Bridge Bank"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SignificantAccountingPoliciesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SignificantAccountingPoliciesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPolicies"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Significant Accounting Policies",
        "label": "Significant Accounting Policies [Text Block]",
        "documentation": "The entire disclosure for all significant accounting policies of the reporting entity."
       }
      }
     },
     "auth_ref": [
      "r209",
      "r370"
     ]
    },
    "us-gaap_SpecialMentionMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SpecialMentionMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Special mention",
        "label": "Special Mention [Member]",
        "documentation": "A category of financing receivables considered to have potential weaknesses that deserve management's close attention. If left uncorrected, those potential weaknesses may result in a deterioration of the repayment prospects for the asset or of the creditor's position at some future date."
       }
      }
     },
     "auth_ref": [
      "r85",
      "r1437"
     ]
    },
    "fbc_SpecialtyFinanceLoansAndLeasesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SpecialtyFinanceLoansAndLeasesMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesComponentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Specialty finance loans and leases",
        "label": "Specialty Finance Loans and Leases [Member]",
        "documentation": "Specialty Finance Loans and Leases"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StatementClassOfStockAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StatementClassOfStockAxis",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails",
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails",
      "http://www.flagstar.com/role/Cover",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Class of Stock [Axis]",
        "label": "Class of Stock [Axis]",
        "documentation": "Information by the different classes of stock of the entity."
       }
      }
     },
     "auth_ref": [
      "r295",
      "r330",
      "r331",
      "r332",
      "r372",
      "r397",
      "r398",
      "r405",
      "r407",
      "r411",
      "r412",
      "r476",
      "r551",
      "r553",
      "r554",
      "r555",
      "r558",
      "r559",
      "r588",
      "r589",
      "r592",
      "r593",
      "r596",
      "r795",
      "r963",
      "r964",
      "r965",
      "r966",
      "r970",
      "r971",
      "r972",
      "r973",
      "r974",
      "r975",
      "r976",
      "r977",
      "r978",
      "r979",
      "r980",
      "r981",
      "r1003",
      "r1024",
      "r1045",
      "r1144",
      "r1145",
      "r1146",
      "r1147",
      "r1148",
      "r1315",
      "r1384",
      "r1394"
     ]
    },
    "us-gaap_StatementEquityComponentsAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StatementEquityComponentsAxis",
     "presentation": [
      "http://www.flagstar.com/role/AccumulatedOtherComprehensiveIncomeDetails",
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Equity Components [Axis]",
        "label": "Equity Components [Axis]",
        "documentation": "Information by component of equity."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r49",
      "r320",
      "r354",
      "r355",
      "r356",
      "r378",
      "r379",
      "r380",
      "r382",
      "r390",
      "r392",
      "r410",
      "r477",
      "r480",
      "r598",
      "r715",
      "r716",
      "r717",
      "r745",
      "r746",
      "r769",
      "r770",
      "r771",
      "r772",
      "r773",
      "r774",
      "r777",
      "r799",
      "r800",
      "r801",
      "r802",
      "r803",
      "r804",
      "r830",
      "r947",
      "r948",
      "r949",
      "r970",
      "r1045"
     ]
    },
    "srt_StatementGeographicalAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "StatementGeographicalAxis",
     "presentation": [
      "http://www.flagstar.com/role/BusinessCombinationsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Geographical [Axis]",
        "label": "Geographical [Axis]",
        "documentation": "Information by geographical components."
       }
      }
     },
     "auth_ref": [
      "r308",
      "r318",
      "r421",
      "r422",
      "r984",
      "r988",
      "r990",
      "r1058",
      "r1075",
      "r1096",
      "r1136",
      "r1151",
      "r1155",
      "r1156",
      "r1157",
      "r1158",
      "r1159",
      "r1160",
      "r1161",
      "r1162",
      "r1163",
      "r1168",
      "r1198",
      "r1217",
      "r1465",
      "r1528"
     ]
    },
    "us-gaap_StatementLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StatementLineItems",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement [Line Items]",
        "label": "Statement [Line Items]",
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table."
       }
      }
     },
     "auth_ref": [
      "r378",
      "r379",
      "r380",
      "r410",
      "r891",
      "r958",
      "r981",
      "r995",
      "r997",
      "r998",
      "r999",
      "r1000",
      "r1001",
      "r1003",
      "r1006",
      "r1007",
      "r1008",
      "r1009",
      "r1010",
      "r1011",
      "r1012",
      "r1013",
      "r1014",
      "r1016",
      "r1017",
      "r1018",
      "r1019",
      "r1020",
      "r1022",
      "r1027",
      "r1028",
      "r1031",
      "r1032",
      "r1033",
      "r1034",
      "r1035",
      "r1036",
      "r1037",
      "r1038",
      "r1039",
      "r1040",
      "r1041",
      "r1042",
      "r1045",
      "r1218"
     ]
    },
    "us-gaap_StatementOfCashFlowsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StatementOfCashFlowsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement [Line Items]",
        "label": "Statement of Cash Flows [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StatementOfFinancialPositionAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StatementOfFinancialPositionAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement of Financial Position [Abstract]",
        "label": "Statement of Financial Position [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StatementOfStockholdersEquityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StatementOfStockholdersEquityAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement of Stockholders' Equity [Abstract]",
        "label": "Statement of Stockholders' Equity [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "srt_StatementScenarioAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "StatementScenarioAxis",
     "presentation": [
      "http://www.flagstar.com/role/EmployeeBenefitsNarrativeDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Scenario [Axis]",
        "label": "Scenario [Axis]",
        "documentation": "Information by scenario reported, distinguishing information from actual fact. Includes, but is not limited to, pro forma and forecast. Excludes actual facts."
       }
      }
     },
     "auth_ref": [
      "r393",
      "r674",
      "r1320",
      "r1322",
      "r1393"
     ]
    },
    "us-gaap_StatementTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StatementTable",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows",
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity",
      "http://www.flagstar.com/role/ConsolidatedStatementsofIncomeandComprehensiveIncome"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Statement [Table]",
        "label": "Statement [Table]",
        "documentation": "Schedule reflecting a Statement of Income, Statement of Cash Flows, Statement of Financial Position, Statement of Shareholders' Equity and Other Comprehensive Income, or other statement as needed."
       }
      }
     },
     "auth_ref": [
      "r378",
      "r379",
      "r380",
      "r410",
      "r891",
      "r958",
      "r981",
      "r995",
      "r997",
      "r998",
      "r999",
      "r1000",
      "r1001",
      "r1003",
      "r1006",
      "r1007",
      "r1008",
      "r1009",
      "r1010",
      "r1011",
      "r1012",
      "r1013",
      "r1014",
      "r1016",
      "r1017",
      "r1018",
      "r1019",
      "r1020",
      "r1022",
      "r1027",
      "r1028",
      "r1031",
      "r1032",
      "r1033",
      "r1034",
      "r1035",
      "r1036",
      "r1037",
      "r1038",
      "r1039",
      "r1040",
      "r1041",
      "r1042",
      "r1045",
      "r1218"
     ]
    },
    "srt_StatisticalDisclosureForBanksAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "StatisticalDisclosureForBanksAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Statistical Disclosure for Banks [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_StkPrcOrTsrEstimationMethodTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "StkPrcOrTsrEstimationMethodTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/ErrCompDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock Price or TSR Estimation Method",
        "label": "Stock Price or TSR Estimation Method [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1244",
      "r1256",
      "r1266",
      "r1292"
     ]
    },
    "us-gaap_StockAppreciationRightsSARSMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockAppreciationRightsSARSMember",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock Appreciation Rights (SARs)",
        "label": "Stock Appreciation Rights (SARs) [Member]",
        "documentation": "Right to receive cash or shares equal to appreciation of predetermined number of grantor's shares during predetermined time period."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StockIssued1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockIssued1",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Shares issued for restricted stock awards",
        "label": "Stock Issued",
        "documentation": "The fair value of stock issued in noncash financing activities."
       }
      }
     },
     "auth_ref": [
      "r67",
      "r68",
      "r69"
     ]
    },
    "us-gaap_StockIssuedDuringPeriodSharesNewIssues": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockIssuedDuringPeriodSharesNewIssues",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Issuance and exercise of FDIC Equity appreciation instrument (in shares)",
        "label": "Stock Issued During Period, Shares, New Issues",
        "documentation": "Number of new stock issued during the period."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r185",
      "r186",
      "r225",
      "r963",
      "r1045",
      "r1145"
     ]
    },
    "us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Shares issued for restricted stock, net of forfeitures (in shares)",
        "label": "Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures",
        "documentation": "Number of shares issued during the period related to Restricted Stock Awards, net of any shares forfeited."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r185",
      "r186",
      "r225"
     ]
    },
    "us-gaap_StockIssuedDuringPeriodValueNewIssues": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockIssuedDuringPeriodValueNewIssues",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Issuance and exercise of FDIC Equity appreciation instrument",
        "label": "Stock Issued During Period, Value, New Issues",
        "documentation": "Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r185",
      "r186",
      "r225",
      "r970",
      "r1045",
      "r1145",
      "r1230"
     ]
    },
    "us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Shares issued for restricted stock, net of forfeitures",
        "label": "Stock Issued During Period, Value, Restricted Stock Award, Net of Forfeitures",
        "documentation": "Value of stock related to Restricted Stock Awards issued during the period, net of the stock value of such awards forfeited."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r225"
     ]
    },
    "us-gaap_StockRepurchaseProgramAuthorizedAmount1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockRepurchaseProgramAuthorizedAmount1",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stock repurchased authorized amount",
        "label": "Stock Repurchase Program, Authorized Amount",
        "documentation": "Amount of stock repurchase plan authorized."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_StockRepurchasedDuringPeriodShares": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockRepurchasedDuringPeriodShares",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Purchase of common stock (in shares)",
        "label": "Stock Repurchased During Period, Shares",
        "documentation": "Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r185",
      "r186",
      "r225",
      "r966",
      "r1045",
      "r1147"
     ]
    },
    "us-gaap_StockRepurchasedDuringPeriodValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockRepurchasedDuringPeriodValue",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Purchase of common stock",
        "label": "Stock Repurchased During Period, Value",
        "documentation": "Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r185",
      "r186",
      "r225",
      "r970",
      "r1045",
      "r1147",
      "r1230"
     ]
    },
    "us-gaap_StockholdersEquity": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockholdersEquity",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_LiabilitiesAndStockholdersEquity",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total stockholders\u2019 equity",
        "periodStartLabel": "Beginning balance",
        "periodEndLabel": "Ending balance",
        "label": "Equity, Attributable to Parent",
        "documentation": "Amount of equity (deficit) attributable to parent. Excludes temporary equity and equity attributable to noncontrolling interest."
       }
      }
     },
     "auth_ref": [
      "r186",
      "r189",
      "r190",
      "r212",
      "r1005",
      "r1021",
      "r1046",
      "r1047",
      "r1213",
      "r1231",
      "r1386",
      "r1431",
      "r1492",
      "r1537"
     ]
    },
    "us-gaap_StockholdersEquityAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "StockholdersEquityAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Stockholders' equity:",
        "label": "Equity, Attributable to Parent [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SubordinatedDebt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubordinatedDebt",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_LongTermDebt",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition",
      "http://www.flagstar.com/role/ParentCompanyOnlyFinancialInformationBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subordinated notes",
        "label": "Subordinated Debt",
        "documentation": "Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets."
       }
      }
     },
     "auth_ref": [
      "r43",
      "r181",
      "r251",
      "r1526"
     ]
    },
    "us-gaap_SubordinatedDebtMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubordinatedDebtMember",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsBreakdownofborrowedfundsDetails",
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subordinated notes",
        "label": "Subordinated Debt [Member]",
        "documentation": "This element represents domestic or foreign subordinated debt. Subordinated debt has a lower priority of repayment in liquidation of the entity's assets."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SubordinatedNotesMaturingIn2028Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SubordinatedNotesMaturingIn2028Member",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subordinated notes maturing in 2028",
        "label": "Subordinated Notes Maturing In 2028 [Member]",
        "documentation": "Subordinated Notes Maturing In 2028"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SubordinatedNotesMaturingIn2030Member": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SubordinatedNotesMaturingIn2030Member",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subordinated notes maturing in 2030",
        "label": "Subordinated Notes Maturing In 2030 [Member]",
        "documentation": "Subordinated Notes Maturing In 2030"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SubsequentEventLineItems": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubsequentEventLineItems",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event [Line Items]",
        "label": "Subsequent Event [Line Items]",
        "documentation": "Detail information of subsequent event by type. User is expected to use existing line items from elsewhere in the taxonomy as the primary line items for this disclosure, which is further associated with dimension and member elements pertaining to a subsequent event."
       }
      }
     },
     "auth_ref": [
      "r805",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubsequentEventMember",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event",
        "label": "Subsequent Event [Member]",
        "documentation": "Identifies event that occurred after the balance sheet date but before financial statements are issued or available to be issued."
       }
      }
     },
     "auth_ref": [
      "r805",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubsequentEventTable",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event [Table]",
        "label": "Subsequent Event [Table]",
        "documentation": "Discloses pertinent information about one or more significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued."
       }
      }
     },
     "auth_ref": [
      "r805",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventTypeAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubsequentEventTypeAxis",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event Type [Axis]",
        "label": "Subsequent Event Type [Axis]",
        "documentation": "Information by event that occurred after the balance sheet date but before financial statements are issued or available to be issued."
       }
      }
     },
     "auth_ref": [
      "r805",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventTypeDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubsequentEventTypeDomain",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Event Type [Domain]",
        "label": "Subsequent Event Type [Domain]",
        "documentation": "Event that occurred after the balance sheet date but before financial statements are issued or available to be issued."
       }
      }
     },
     "auth_ref": [
      "r805",
      "r836"
     ]
    },
    "us-gaap_SubsequentEventsAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubsequentEventsAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Subsequent Events [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SubsequentEventsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubsequentEventsTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/SubsequentEvents"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsequent Events",
        "label": "Subsequent Events [Text Block]",
        "documentation": "The entire disclosure for significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued. Examples include: the sale of a capital stock issue, purchase of a business, settlement of litigation, catastrophic loss, significant foreign exchange rate changes, loans to insiders or affiliates, and transactions not in the ordinary course of business."
       }
      }
     },
     "auth_ref": [
      "r835",
      "r837"
     ]
    },
    "fbc_SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails": {
       "parentTag": "fbc_SubservicingAssetatFairValueIncomeAmount",
       "weight": -1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Charges on subserviced custodial balances",
        "label": "Subservicing Asset At Fair Value, Charges On Subserviced Escrow Balances",
        "documentation": "Subservicing Asset At Fair Value, Charges On Subserviced Escrow Balances"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SubservicingAssetatFairValueIncomeAmount": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SubservicingAssetatFairValueIncomeAmount",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total (loss) income on mortgage loans subserviced, included in loan administration income",
        "label": "Subservicing Asset at Fair Value, Income, Amount",
        "documentation": "The amount of income earned from subservicing an asset at fair value."
       }
      }
     },
     "auth_ref": []
    },
    "srt_SubsidiariesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "SubsidiariesMember",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Subsidiaries",
        "label": "Subsidiaries [Member]",
        "documentation": "Entity in which controlling financial interest is held. Includes, but is not limited to, variable interest entity (VIE) consolidated by primary beneficiary. Excludes entity in which broker-dealer holds controlling financial interest but control is likely to be temporary."
       }
      }
     },
     "auth_ref": [
      "r1472",
      "r1501",
      "r1502",
      "r1503"
     ]
    },
    "us-gaap_SubsidiarySaleOfStockAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubsidiarySaleOfStockAxis",
     "presentation": [
      "http://www.flagstar.com/role/DescriptionofBusinessOrganizationandBasisofPresentationDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Sale of Stock [Axis]",
        "label": "Sale of Stock [Axis]",
        "documentation": "Information by type of sale of the entity's stock."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_SubstandardMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SubstandardMember",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorAmortizedBasisDetails",
      "http://www.flagstar.com/role/LoansandLeasesLoansHeldforInvestmentbyCreditQualityIndicatorDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Substandard",
        "label": "Substandard [Member]",
        "documentation": "A category of financing receivables that are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the creditor will sustain some loss if the deficiencies are not corrected."
       }
      }
     },
     "auth_ref": [
      "r85",
      "r1437"
     ]
    },
    "us-gaap_SummaryOfIncomeTaxContingenciesTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SummaryOfIncomeTaxContingenciesTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Income Tax Contingencies",
        "label": "Summary of Income Tax Contingencies [Table Text Block]",
        "documentation": "Tabular disclosure for tax positions taken in the tax returns filed or to be filed for which it is more likely than not that the tax position will not be sustained upon examination by taxing authorities and other income tax contingencies. Includes, but is not limited to, interest and penalties, reconciliation of unrecognized tax benefits, unrecognized tax benefits that would affect the effective tax rate, tax years that remain subject to examination by tax jurisdictions, and information about positions for which it is reasonably possible that amounts unrecognized will significantly change within 12 months."
       }
      }
     },
     "auth_ref": [
      "r27",
      "r233",
      "r234"
     ]
    },
    "us-gaap_SupplementalCashFlowInformationAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "SupplementalCashFlowInformationAbstract",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Supplemental Cash Flow Information [Abstract]",
        "label": "Supplemental Cash Flow Information [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_SwapFHLBMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "SwapFHLBMember",
     "presentation": [
      "http://www.flagstar.com/role/DerivativeandHedgingActivitiesCashFlowDerivativeInstrumentsOnAOCLDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Swap FHLB",
        "label": "swap FHLB [Member]",
        "documentation": "swap FHLB"
       }
      }
     },
     "auth_ref": []
    },
    "ecd_TabularListTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TabularListTableTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tabular List, Table",
        "label": "Tabular List [Table Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1285"
     ]
    },
    "us-gaap_TierOneLeverageCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneLeverageCapital",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total capital, amount",
        "label": "Banking Regulation, Tier 1 Leverage Capital, Actual",
        "documentation": "Amount of Tier 1 leverage capital as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_TierOneLeverageCapitalAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneLeverageCapitalAbstract",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Leverage Capital",
        "label": "Banking Regulation, Tier 1 Leverage Capital [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneLeverageCapitalRequiredForCapitalAdequacy",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum for capital adequacy, amount",
        "label": "Banking Regulation, Tier 1 Leverage Capital, Capital Adequacy, Minimum",
        "documentation": "Amount of minimum Tier 1 leverage capital required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917",
      "r921"
     ]
    },
    "us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum for capital adequacy, ratio",
        "label": "Banking Regulation, Tier 1 Leverage Capital Ratio, Capital Adequacy, Minimum",
        "documentation": "Ratio of minimum Tier 1 leverage capital to average assets required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917",
      "r921"
     ]
    },
    "us-gaap_TierOneLeverageCapitalToAverageAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneLeverageCapitalToAverageAssets",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total capital, ratio",
        "label": "Banking Regulation, Tier 1 Leverage Capital Ratio, Actual",
        "documentation": "Ratio of Tier 1 capital to average assets as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_TierOneRiskBasedCapital": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneRiskBasedCapital",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total capital, amount",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital, Actual",
        "documentation": "Amount of Tier 1 risk-based capital as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_TierOneRiskBasedCapitalAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneRiskBasedCapitalAbstract",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Tier 1",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneRiskBasedCapitalRequiredForCapitalAdequacy",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum for capital adequacy, amount",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital, Capital Adequacy, Minimum",
        "documentation": "Amount of minimum Tier 1 risk-based capital required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917",
      "r921"
     ]
    },
    "us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Minimum for capital adequacy, ratio",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital Ratio, Capital Adequacy, Minimum",
        "documentation": "Ratio of minimum Tier 1 risk-based capital to risk-weighted assets required for capital adequacy as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917",
      "r921"
     ]
    },
    "us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets": {
     "xbrltype": "pureItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TierOneRiskBasedCapitalToRiskWeightedAssets",
     "presentation": [
      "http://www.flagstar.com/role/CapitalActualCapitalAmountandRatiosDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total capital, ratio",
        "label": "Banking Regulation, Tier 1 Risk-Based Capital Ratio, Actual",
        "documentation": "Ratio of Tier 1 risk-based capital to risk-weighted assets as defined by regulatory framework."
       }
      }
     },
     "auth_ref": [
      "r917"
     ]
    },
    "us-gaap_TimeDepositMaturitiesAfterYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TimeDepositMaturitiesAfterYearFive",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsMaturitiesDetails": {
       "parentTag": "us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Over 5 years",
        "label": "Time Deposit Maturities, after Year Five",
        "documentation": "Amount of time deposit maturing after fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18"
     ]
    },
    "us-gaap_TimeDepositMaturitiesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TimeDepositMaturitiesTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/DepositsTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Time Deposit Maturities",
        "label": "Time Deposit Maturities [Table Text Block]",
        "documentation": "Tabular disclosure of time deposit liability maturities."
       }
      }
     },
     "auth_ref": [
      "r18"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearFive": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TimeDepositMaturitiesYearFive",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsMaturitiesDetails": {
       "parentTag": "us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits",
       "weight": 1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "More than 4 years through 5 years",
        "label": "Time Deposit Maturities, Year Five",
        "documentation": "Amount of time deposit maturing in fifth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearFour": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TimeDepositMaturitiesYearFour",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsMaturitiesDetails": {
       "parentTag": "us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "More than 3 years through 4 years",
        "label": "Time Deposit Maturities, Year Four",
        "documentation": "Amount of time deposit maturing in fourth fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearOne": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TimeDepositMaturitiesYearOne",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsMaturitiesDetails": {
       "parentTag": "us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits",
       "weight": 1.0,
       "order": 6.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "1 year or less",
        "label": "Time Deposit Maturities, Year One",
        "documentation": "Amount of time deposit maturing in next fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearThree": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TimeDepositMaturitiesYearThree",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsMaturitiesDetails": {
       "parentTag": "us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits",
       "weight": 1.0,
       "order": 5.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "More than 2 years through 3 years",
        "label": "Time Deposit Maturities, Year Three",
        "documentation": "Amount of time deposit maturing in third fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18"
     ]
    },
    "us-gaap_TimeDepositMaturitiesYearTwo": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TimeDepositMaturitiesYearTwo",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsMaturitiesDetails": {
       "parentTag": "us-gaap_InterestBearingDomesticDepositCertificatesOfDeposits",
       "weight": 1.0,
       "order": 3.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/DepositsMaturitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "More than 1 year through 2 years",
        "label": "Time Deposit Maturities, Year Two",
        "documentation": "Amount of time deposit maturing in second fiscal year following current fiscal year. Time deposit includes, but is not limited to, certificate of deposit. Excludes interim and annual periods when interim periods are reported from current statement of financial position date (rolling approach)."
       }
      }
     },
     "auth_ref": [
      "r18"
     ]
    },
    "us-gaap_TimeDeposits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TimeDeposits",
     "crdr": "credit",
     "calculation": {
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails": {
       "parentTag": "us-gaap_Deposits",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certificates of deposit",
        "label": "Time Deposits",
        "documentation": "Amount of time deposit liabilities, including certificates of deposit."
       }
      }
     },
     "auth_ref": [
      "r20",
      "r172"
     ]
    },
    "ecd_TotalShareholderRtnAmt": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TotalShareholderRtnAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Shareholder Return Amount",
        "label": "Total Shareholder Return Amount"
       }
      }
     },
     "auth_ref": [
      "r1277"
     ]
    },
    "ecd_TotalShareholderRtnVsPeerGroupTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TotalShareholderRtnVsPeerGroupTextBlock",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/PvpDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total Shareholder Return Vs Peer Group",
        "label": "Total Shareholder Return Vs Peer Group [Text Block]"
       }
      }
     },
     "auth_ref": [
      "r1284"
     ]
    },
    "ecd_TradingArrAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TradingArrAxis",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading Arrangement:",
        "label": "Trading Arrangement [Axis]"
       }
      }
     },
     "auth_ref": [
      "r1305"
     ]
    },
    "ecd_TradingArrByIndTable": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TradingArrByIndTable",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading Arrangements, by Individual",
        "label": "Trading Arrangements, by Individual [Table]"
       }
      }
     },
     "auth_ref": [
      "r1307"
     ]
    },
    "us-gaap_TradingSecuritiesAndCertainTradingAssetsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TradingSecuritiesAndCertainTradingAssetsTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Debt Securities, Trading, and Equity Securities, FV-NI",
        "label": "Debt Securities, Trading, and Equity Securities, FV-NI [Table Text Block]",
        "documentation": "Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in net income (trading) and investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI)."
       }
      }
     },
     "auth_ref": []
    },
    "dei_TradingSymbol": {
     "xbrltype": "tradingSymbolItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "TradingSymbol",
     "presentation": [
      "http://www.flagstar.com/role/Cover"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Trading Symbol",
        "label": "Trading Symbol",
        "documentation": "Trading symbol of an instrument as listed on an exchange."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TransferOfLoansHeldForSaleToPortfolioLoans1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TransferOfLoansHeldForSaleToPortfolioLoans1",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Securitization of loans to mortgage-backed securities available for sale",
        "label": "Loan, Transfer from Held-for-Sale to Held-in-Portfolio",
        "documentation": "Value of loans held-for-sale transferred to loans held in the entity's portfolio in noncash transactions."
       }
      }
     },
     "auth_ref": [
      "r67",
      "r68",
      "r69"
     ]
    },
    "us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TransferOfPortfolioLoansAndLeasesToHeldForSale1",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Transfer of loans from held for investment to held for sale",
        "label": "Loan and Lease, Transfer from Held-in-Portfolio to Held-for-Sale",
        "documentation": "Value of loans and leases held in the entity's portfolio transferred to loans and leases held-for-sale in noncash transactions."
       }
      }
     },
     "auth_ref": [
      "r67",
      "r68",
      "r69"
     ]
    },
    "us-gaap_TransferToOtherRealEstate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TransferToOtherRealEstate",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCashFlows"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Transfers to repossessed assets from loans",
        "label": "Real Estate Owned, Transfer to Real Estate Owned",
        "documentation": "Value transferred from mortgage loans to real estate owned (REO) in noncash transactions."
       }
      }
     },
     "auth_ref": [
      "r67",
      "r68",
      "r69"
     ]
    },
    "us-gaap_TransfersAndServicingAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TransfersAndServicingAbstract",
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Transfers and Servicing [Abstract]",
        "label": "Transfers and Servicing [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TransfersAndServicingOfFinancialAssetsTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/MortgageServicingRights"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Mortgage Servicing Rights",
        "label": "Transfers and Servicing of Financial Assets [Text Block]",
        "documentation": "The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows."
       }
      }
     },
     "auth_ref": [
      "r838",
      "r839",
      "r840",
      "r845",
      "r849",
      "r850",
      "r851",
      "r856",
      "r857",
      "r861",
      "r862",
      "r864",
      "r868",
      "r870",
      "r871",
      "r876",
      "r877",
      "r884",
      "r886",
      "r996",
      "r1516"
     ]
    },
    "us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresDifferencesBetweenAggregateFairValueandAggregateRemainingContractualPrincipalBalanceOutstandingFairValueOptionDetails",
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/FairValueMeasuresRollForwardofFinancialInstrumentsDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsChangesintheFairValueofResidentialFirstMortgageMSRsDetails",
      "http://www.flagstar.com/role/MortgageServicingRightsSummaryofIncomeandFeesDetails",
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Financial Instruments [Domain]",
        "label": "Financial Instruments [Domain]",
        "documentation": "Instrument or contract that imposes a contractual obligation to deliver cash or another financial instrument or to exchange other financial instruments on potentially unfavorable terms and conveys a contractual right to receive cash or another financial instrument or to exchange other financial instruments on potentially favorable terms."
       }
      }
     },
     "auth_ref": [
      "r442",
      "r443",
      "r444",
      "r445",
      "r446",
      "r447",
      "r448",
      "r450",
      "r451",
      "r452",
      "r453",
      "r454",
      "r455",
      "r456",
      "r457",
      "r458",
      "r459",
      "r460",
      "r461",
      "r462",
      "r463",
      "r464",
      "r465",
      "r466",
      "r467",
      "r468",
      "r469",
      "r470",
      "r471",
      "r472",
      "r585",
      "r595",
      "r775",
      "r839",
      "r840",
      "r841",
      "r842",
      "r843",
      "r844",
      "r846",
      "r847",
      "r848",
      "r852",
      "r853",
      "r854",
      "r855",
      "r859",
      "r863",
      "r872",
      "r873",
      "r874",
      "r875",
      "r878",
      "r879",
      "r880",
      "r881",
      "r882",
      "r883",
      "r884",
      "r885",
      "r887",
      "r888",
      "r889",
      "r939",
      "r1339",
      "r1340",
      "r1341",
      "r1342",
      "r1343",
      "r1344",
      "r1345",
      "r1426",
      "r1427",
      "r1428",
      "r1429"
     ]
    },
    "ecd_TrdArrAdoptionDate": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TrdArrAdoptionDate",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Adoption Date",
        "label": "Trading Arrangement Adoption Date"
       }
      }
     },
     "auth_ref": [
      "r1308"
     ]
    },
    "ecd_TrdArrDuration": {
     "xbrltype": "durationItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TrdArrDuration",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Arrangement Duration",
        "label": "Trading Arrangement Duration"
       }
      }
     },
     "auth_ref": [
      "r1309"
     ]
    },
    "ecd_TrdArrIndName": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TrdArrIndName",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Name",
        "label": "Trading Arrangement, Individual Name"
       }
      }
     },
     "auth_ref": [
      "r1307"
     ]
    },
    "ecd_TrdArrIndTitle": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TrdArrIndTitle",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Title",
        "label": "Trading Arrangement, Individual Title"
       }
      }
     },
     "auth_ref": [
      "r1307"
     ]
    },
    "ecd_TrdArrSecuritiesAggAvailAmt": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TrdArrSecuritiesAggAvailAmt",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Aggregate Available",
        "label": "Trading Arrangement, Securities Aggregate Available Amount"
       }
      }
     },
     "auth_ref": [
      "r1310"
     ]
    },
    "ecd_TrdArrTerminationDate": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "TrdArrTerminationDate",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/InsiderTradingArrangements"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Termination Date",
        "label": "Trading Arrangement Termination Date"
       }
      }
     },
     "auth_ref": [
      "r1308"
     ]
    },
    "us-gaap_TreasuryStockAcquiredAverageCostPerShare": {
     "xbrltype": "perShareItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TreasuryStockAcquiredAverageCostPerShare",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Treasury stock, shares average price (in dollars per share)",
        "label": "Shares Acquired, Average Cost Per Share",
        "documentation": "Total cost of shares repurchased divided by the total number of shares repurchased."
       }
      }
     },
     "auth_ref": [
      "r102"
     ]
    },
    "us-gaap_TreasuryStockCommonMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TreasuryStockCommonMember",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofChangesinStockholdersEquity"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Treasury Stock, at Cost",
        "label": "Treasury Stock, Common [Member]",
        "documentation": "Previously issued common shares repurchased by the issuing entity and held in treasury."
       }
      }
     },
     "auth_ref": [
      "r102"
     ]
    },
    "us-gaap_TreasuryStockCommonShares": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TreasuryStockCommonShares",
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofConditionParenthetical"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Treasury stock (in shares)",
        "label": "Treasury Stock, Common, Shares",
        "documentation": "Number of previously issued common shares repurchased by the issuing entity and held in treasury."
       }
      }
     },
     "auth_ref": [
      "r102"
     ]
    },
    "us-gaap_TreasuryStockCommonValue": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TreasuryStockCommonValue",
     "crdr": "debit",
     "calculation": {
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition": {
       "parentTag": "us-gaap_StockholdersEquity",
       "weight": -1.0,
       "order": 4.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/ConsolidatedStatementsofCondition"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedTerseLabel": "Treasury stock, at cost ($22,089,421 and 24,212,052 shares, respectively)",
        "label": "Treasury Stock, Common, Value",
        "documentation": "Amount allocated to previously issued common shares repurchased by the issuing entity and held in treasury."
       }
      }
     },
     "auth_ref": [
      "r51",
      "r102",
      "r103"
     ]
    },
    "us-gaap_TreasuryStockSharesAcquired": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TreasuryStockSharesAcquired",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Treasury stock, acquired, shares (in shares)",
        "label": "Treasury Stock, Shares, Acquired",
        "documentation": "Number of shares that have been repurchased during the period and are being held in treasury."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r186",
      "r225"
     ]
    },
    "us-gaap_TreasuryStockValueAcquiredCostMethod": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TreasuryStockValueAcquiredCostMethod",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/CapitalPreferredStockandTreasuryStockDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Treasury stock, acquired, cost",
        "label": "Treasury Stock, Value, Acquired, Cost Method",
        "documentation": "Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method."
       }
      }
     },
     "auth_ref": [
      "r31",
      "r102",
      "r225"
     ]
    },
    "us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/LoansandLeasesTables"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Summary of Modifications to Borrowers Experiencing Financial Difficulty and Performance of Loans Modified in Last 12 Months, and TDRs",
        "label": "Financing Receivable, Modified [Table Text Block]",
        "documentation": "Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty."
       }
      }
     },
     "auth_ref": [
      "r1181",
      "r1396",
      "r1397",
      "r1398",
      "r1399"
     ]
    },
    "us-gaap_USGovernmentAgenciesDebtSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "USGovernmentAgenciesDebtSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesInvestmentSecuritiesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "US Government Agencies Debt Securities",
        "label": "US Government Agencies Debt Securities [Member]",
        "documentation": "Debentures, notes, and other debt securities issued by US government agencies, for example, but not limited to, Government National Mortgage Association (GNMA or Ginnie Mae). Excludes US treasury securities and debt issued by government-sponsored Enterprises (GSEs), for example, but is not limited to, Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac), Federal National Mortgage Association (FNMA or Fannie Mae), and the Federal Home Loan Bank (FHLB)."
       }
      }
     },
     "auth_ref": [
      "r1177",
      "r1199",
      "r1521"
     ]
    },
    "us-gaap_USGovernmentSponsoredEnterprisesDebtSecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "USGovernmentSponsoredEnterprisesDebtSecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "GSE debentures",
        "label": "US Government-sponsored Enterprises Debt Securities [Member]",
        "documentation": "Debentures, bonds and other debt securities issued by US government sponsored entities (GSEs), for example, but not limited to, Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac), Federal National Mortgage Association (FNMA or Fannie Mae), and the Federal Home Loan Bank (FHLB). Excludes debt issued by the Government National Mortgage Association (GNMA or Ginnie Mae)."
       }
      }
     },
     "auth_ref": [
      "r1469",
      "r1521"
     ]
    },
    "us-gaap_USStatesAndPoliticalSubdivisionsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "USStatesAndPoliticalSubdivisionsMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "State, County, and Municipal",
        "label": "US States and Political Subdivisions Debt Securities [Member]",
        "documentation": "Bonds or similar securities issued by state, city, or local US governments or the agencies operated by state, city, or local governments. Debt securities issued by state governments may include bond issuances of US state authorities including, for example, but not limited to, housing authorities, dormitory authorities, and general obligations while debt securities issued by political subdivisions of US states would include, for example, debt issuances by county, borough, city, or municipal governments."
       }
      }
     },
     "auth_ref": [
      "r1199",
      "r1529"
     ]
    },
    "us-gaap_USTreasuryAndGovernmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "USTreasuryAndGovernmentMember",
     "presentation": [
      "http://www.flagstar.com/role/InvestmentSecuritiesAmortizedCostandEstimatedFairValueofSecuritiesbyContractualMaturityDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "U.S. Government and GSE Obligations",
        "label": "US Treasury and Government [Member]",
        "documentation": "This category includes investments in debt securities issued by the United States Department of the Treasury, US Government Agencies and US Government-sponsored Enterprises. Such securities may include treasury bills (short-term maturities - one year or less), treasury notes (intermediate term maturities - two to ten years), and treasury bonds (long-term maturities - ten to thirty years), debt securities issued by the Government National Mortgage Association (Ginnie Mae) and debt securities issued by the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation (Freddie Mac)."
       }
      }
     },
     "auth_ref": [
      "r912",
      "r1199",
      "r1529"
     ]
    },
    "us-gaap_USTreasurySecuritiesMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "USTreasurySecuritiesMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresFinancialInstrumentsCarriedatFairValueDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofInvestmentSecuritiesDetails",
      "http://www.flagstar.com/role/InvestmentSecuritiesSummaryofUnrealizedLossPositionsonInvestmentSecuritiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "U. S. Treasury obligations",
        "label": "US Treasury Securities [Member]",
        "documentation": "This category includes information about debt securities issued by the United States Department of the Treasury and backed by the United States government. Such securities primarily consist of treasury bills (short-term maturities - one year or less), treasury notes (intermediate term maturities - two to ten years), and treasury bonds (long-term maturities - ten to thirty years)."
       }
      }
     },
     "auth_ref": [
      "r1177",
      "r1199",
      "r1201",
      "r1521"
     ]
    },
    "ecd_UndrlygSecurityMktPriceChngPct": {
     "xbrltype": "pureItemType",
     "nsuri": "http://xbrl.sec.gov/ecd/2023",
     "localname": "UndrlygSecurityMktPriceChngPct",
     "presentation": [
      "http://xbrl.sec.gov/ecd/role/AwardTimingDisclosure"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Underlying Security Market Price Change",
        "label": "Underlying Security Market Price Change, Percent"
       }
      }
     },
     "auth_ref": [
      "r1304"
     ]
    },
    "us-gaap_UnfundedLoanCommitmentMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "UnfundedLoanCommitmentMember",
     "presentation": [
      "http://www.flagstar.com/role/AllowanceforCreditLossesonLoansandLeasesNarrativeDetails",
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails",
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total loan commitments",
        "label": "Unfunded Loan Commitment [Member]",
        "documentation": "Undisbursed funds of a credit facility in which the borrower may draw upon."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_UnrecognizedTaxBenefits": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "UnrecognizedTaxBenefits",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails",
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrecognized tax benefits",
        "periodStartLabel": "Balance, beginning of year",
        "periodEndLabel": "Balance, end of year",
        "label": "Unrecognized Tax Benefits",
        "documentation": "Amount of unrecognized tax benefits."
       }
      }
     },
     "auth_ref": [
      "r725",
      "r732"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "negatedLabel": "Subtractions for tax positions relating to prior tax years",
        "label": "Unrecognized Tax Benefits, Decrease Resulting from Prior Period Tax Positions",
        "documentation": "Amount of decrease in unrecognized tax benefits resulting from tax positions taken in prior period tax returns."
       }
      }
     },
     "auth_ref": [
      "r733"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Unrecognized tax benefit decrease",
        "label": "Unrecognized Tax Benefits, Decrease Resulting from Settlements with Taxing Authorities",
        "documentation": "Amount of decrease in unrecognized tax benefits resulting from settlements with taxing authorities."
       }
      }
     },
     "auth_ref": [
      "r735"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income tax accrued interest expense and penalties",
        "label": "Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued",
        "documentation": "Amount accrued for interest on an underpayment of income taxes and penalties related to a tax position claimed or expected to be claimed in the tax return."
       }
      }
     },
     "auth_ref": [
      "r731"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense",
     "crdr": "debit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Income tax expense interest and penalties",
        "label": "Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense",
        "documentation": "Amount of expense for interest on an underpayment of income taxes and penalties related to a tax position claimed or expected to be claimed in the tax return."
       }
      }
     },
     "auth_ref": [
      "r731"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Additions for tax positions relating to current-year operations",
        "label": "Unrecognized Tax Benefits, Increase Resulting from Current Period Tax Positions",
        "documentation": "Amount of increase in unrecognized tax benefits resulting from tax positions that have been or will be taken in current period tax return."
       }
      }
     },
     "auth_ref": [
      "r734"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesReconciliationofGrossAmountsofTaxContingenciesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Additions for tax positions relating to prior tax years",
        "label": "Unrecognized Tax Benefits, Increase Resulting from Prior Period Tax Positions",
        "documentation": "Amount of increase in unrecognized tax benefits resulting from tax positions taken in prior period tax returns."
       }
      }
     },
     "auth_ref": [
      "r733"
     ]
    },
    "us-gaap_UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/FederalStateandLocalTaxesNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Would impact effective rate rate amount",
        "label": "Unrecognized Tax Benefits that Would Impact Effective Tax Rate",
        "documentation": "The total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate."
       }
      }
     },
     "auth_ref": [
      "r736"
     ]
    },
    "us-gaap_VariableInterestEntityDisclosureTextBlock": {
     "xbrltype": "textBlockItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "VariableInterestEntityDisclosureTextBlock",
     "presentation": [
      "http://www.flagstar.com/role/VariableInterestEntities"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable Interest Entities",
        "label": "Variable Interest Entity Disclosure [Text Block]",
        "documentation": "The entire disclosure for a variable interest entity (VIE), including but not limited to, judgments and assumptions in determining whether to consolidate and in identifying the primary beneficiary, gain (loss) recognized on the initial consolidation of the VIE, terms of arrangements, amounts and classification of the VIE's assets and liabilities, and the entity's maximum exposure to loss."
       }
      }
     },
     "auth_ref": [
      "r239"
     ]
    },
    "us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "VariableInterestEntityNotPrimaryBeneficiaryMember",
     "presentation": [
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable Interest Entity, Not Primary Beneficiary",
        "label": "Variable Interest Entity, Not Primary Beneficiary [Member]",
        "documentation": "Variable Interest Entities (VIE) in which the entity does not have a controlling financial interest (as defined) and of which it is therefore not the primary beneficiary. VIEs of which the entity is not the primary beneficiary because it does not have the power to direct the activities of the VIE that most significantly impact the VIE's economic performance and for which it does not have the obligation to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits from the VIE that could potentially be significant to the VIE are not included in the consolidated financial statements of the entity."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_VariableInterestEntityNumberofEntities": {
     "xbrltype": "integerItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "VariableInterestEntityNumberofEntities",
     "presentation": [
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Number of variable interest entities",
        "label": "Variable Interest Entity, Number of Entities",
        "documentation": "Variable Interest Entity, Number of Entities"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_VariableInterestEntityOwnershipPercentage": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "VariableInterestEntityOwnershipPercentage",
     "presentation": [
      "http://www.flagstar.com/role/VariableInterestEntitiesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Ownership interest in investment",
        "label": "Variable Interest Entity, Qualitative or Quantitative Information, Ownership Percentage",
        "documentation": "Percentage of the Variable Interest Entity's (VIE) voting interest owned by (or beneficial interest in) the reporting entity (directly or indirectly)."
       }
      }
     },
     "auth_ref": [
      "r131"
     ]
    },
    "us-gaap_VariableRateAxis": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "VariableRateAxis",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable Rate [Axis]",
        "label": "Variable Rate [Axis]",
        "documentation": "Information by type of variable rate."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_VariableRateDomain": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "VariableRateDomain",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsSubordinatedNotesDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Variable Rate [Domain]",
        "label": "Variable Rate [Domain]",
        "documentation": "Interest rate that fluctuates over time as a result of an underlying benchmark interest rate or index."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_WarehouseLoanCommitmentsMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "WarehouseLoanCommitmentsMember",
     "presentation": [
      "http://www.flagstar.com/role/CommitmentandContingenciesOffBalanceSheetDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Warehouse loan commitments",
        "label": "Warehouse Loan Commitments [Member]",
        "documentation": "Warehouse Loan Commitments"
       }
      }
     },
     "auth_ref": []
    },
    "fbc_WarrantOrRightCouponRate": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "WarrantOrRightCouponRate",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Warrant Or Right, Coupon Rate",
        "label": "Warrant Or Right, Coupon Rate",
        "documentation": "Warrant Or Right, Coupon Rate"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WarrantsAndRightsOutstanding": {
     "xbrltype": "monetaryItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WarrantsAndRightsOutstanding",
     "crdr": "credit",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails",
      "http://www.flagstar.com/role/SubsequentEventsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Warrants proceeds amount",
        "label": "Warrants and Rights Outstanding",
        "documentation": "Value of outstanding derivative securities that permit the holder the right to purchase securities (usually equity) from the issuer at a specified price."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_WarrantsAndRightsOutstandingNoncallableTerm": {
     "xbrltype": "durationItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "WarrantsAndRightsOutstandingNoncallableTerm",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Noncallable term",
        "label": "Warrants And Rights Outstanding, Noncallable Term",
        "documentation": "Warrants And Rights Outstanding, Noncallable Term"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WarrantsAndRightsOutstandingTerm": {
     "xbrltype": "durationItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WarrantsAndRightsOutstandingTerm",
     "presentation": [
      "http://www.flagstar.com/role/BorrowedFundsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Warrant term",
        "label": "Warrants and Rights Outstanding, Term",
        "documentation": "Period between issuance and expiration of outstanding warrant and right embodying unconditional obligation requiring redemption by transferring asset at specified or determinable date or upon event certain to occur, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents reported fact of one year, five months, and thirteen days."
       }
      }
     },
     "auth_ref": [
      "r1490"
     ]
    },
    "fbc_WeightedAverageCosttoServicePerLoanMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "WeightedAverageCosttoServicePerLoanMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average cost to service per loan",
        "label": "Weighted Average Cost to Service Per Loan [Member]",
        "documentation": "Weighted Average Cost to Service Per Loan [Member]"
       }
      }
     },
     "auth_ref": []
    },
    "srt_WeightedAverageMember": {
     "xbrltype": "domainItemType",
     "nsuri": "http://fasb.org/srt/2023",
     "localname": "WeightedAverageMember",
     "presentation": [
      "http://www.flagstar.com/role/FairValueMeasuresQuantitativeInformationaboutRecurringLevel3FairValueFinancialInstrumentsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average",
        "label": "Weighted Average [Member]",
        "documentation": "Average of a range of values, calculated with consideration of proportional relevance."
       }
      }
     },
     "auth_ref": [
      "r1165",
      "r1166",
      "r1506",
      "r1508",
      "r1512"
     ]
    },
    "us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WeightedAverageNumberDilutedSharesOutstandingAdjustment",
     "calculation": {
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails": {
       "parentTag": "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding",
       "weight": 1.0,
       "order": 1.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Potential dilutive common shares",
        "label": "Weighted Average Number of Shares Outstanding, Diluted, Adjustment",
        "documentation": "The sum of dilutive potential common shares or units used in the calculation of the diluted per-share or per-unit computation."
       }
      }
     },
     "auth_ref": [
      "r1395"
     ]
    },
    "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WeightedAverageNumberOfDilutedSharesOutstanding",
     "calculation": {
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails": {
       "parentTag": null,
       "weight": null,
       "order": null,
       "root": true
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "totalLabel": "Total shares for diluted earnings per common share compensation (in shares)",
        "label": "Weighted Average Number of Shares Outstanding, Diluted",
        "documentation": "The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period."
       }
      }
     },
     "auth_ref": [
      "r396",
      "r407"
     ]
    },
    "us-gaap_WeightedAverageNumberOfSharesOutstandingBasic": {
     "xbrltype": "sharesItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WeightedAverageNumberOfSharesOutstandingBasic",
     "calculation": {
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails": {
       "parentTag": "us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding",
       "weight": 1.0,
       "order": 2.0
      }
     },
     "presentation": [
      "http://www.flagstar.com/role/SummaryofSignificantAccountingPoliciesEarningsPerShareDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "verboseLabel": "Weighted average common shares outstanding (in shares)",
        "label": "Weighted Average Number of Shares Outstanding, Basic",
        "documentation": "Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period."
       }
      }
     },
     "auth_ref": [
      "r394",
      "r407"
     ]
    },
    "fbc_WeightedAverageRateDepositLiabilities": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "WeightedAverageRateDepositLiabilities",
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Total deposits",
        "label": "Weighted Average Rate Deposit Liabilities",
        "documentation": "Weighted Average Rate Deposit Liabilities"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WeightedAverageRateDomesticDepositBrokered": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WeightedAverageRateDomesticDepositBrokered",
     "presentation": [
      "http://www.flagstar.com/role/DepositsNarrativeDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted average interest rate, brokered deposit",
        "label": "Weighted Average Rate Domestic Deposit, Brokered",
        "documentation": "The weighted average interest rate for domestic brokered deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WeightedAverageRateDomesticDepositCertificatesOfDeposit": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WeightedAverageRateDomesticDepositCertificatesOfDeposit",
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Certificates of deposit",
        "label": "Weighted Average Rate Domestic Deposit, Certificates of Deposit",
        "documentation": "The weighted average interest rate for domestic certificates of deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WeightedAverageRateDomesticDepositLiabilitiesAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WeightedAverageRateDomesticDepositLiabilitiesAbstract",
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Weighted Average Interest Rate",
        "label": "Weighted Average Rate Domestic Deposit Liabilities [Abstract]"
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WeightedAverageRateDomesticDepositMoneyMarket": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WeightedAverageRateDomesticDepositMoneyMarket",
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Interest-bearing checking and money market accounts",
        "label": "Weighted Average Rate Domestic Deposit, Money Market",
        "documentation": "The weighted average interest rate for domestic money market demand account deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "us-gaap_WeightedAverageRateDomesticDepositSavings": {
     "xbrltype": "percentItemType",
     "nsuri": "http://fasb.org/us-gaap/2023",
     "localname": "WeightedAverageRateDomesticDepositSavings",
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Savings accounts",
        "label": "Weighted Average Rate Domestic Deposit, Savings",
        "documentation": "The weighted average interest rate for domestic savings deposit liabilities."
       }
      }
     },
     "auth_ref": []
    },
    "fbc_WeightedAverageRateNoninterestBearingDepositLiabilities": {
     "xbrltype": "percentItemType",
     "nsuri": "http://www.flagstar.com/20231231",
     "localname": "WeightedAverageRateNoninterestBearingDepositLiabilities",
     "presentation": [
      "http://www.flagstar.com/role/DepositsScheduleofDepositsDetails"
     ],
     "lang": {
      "en-us": {
       "role": {
        "terseLabel": "Non-interest-bearing accounts",
        "label": "Weighted Average Rate Noninterest Bearing Deposit Liabilities",
        "documentation": "Weighted Average Rate Noninterest Bearing Deposit Liabilities"
       }
      }
     },
     "auth_ref": []
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "25",
   "Paragraph": "1",
   "SubTopic": "20",
   "Topic": "940",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481913/940-20-25-1"
  },
  "r1": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "25",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "SubTopic": "740",
   "Topic": "942",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480306/942-740-25-1"
  },
  "r2": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "30",
   "Paragraph": "7",
   "SubTopic": "30",
   "Topic": "805",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479637/805-30-30-7"
  },
  "r3": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "30",
   "Paragraph": "8",
   "SubTopic": "30",
   "Topic": "805",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479637/805-30-30-8"
  },
  "r4": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "SubTopic": "230",
   "Topic": "830",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481877/830-230-45-1"
  },
  "r5": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-10A"
  },
  "r6": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(i)",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-10A"
  },
  "r7": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(i),(j),(k)",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-10A"
  },
  "r8": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(i-k)",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-10A"
  },
  "r9": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(j)",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-10A"
  },
  "r10": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "12",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-12"
  },
  "r11": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "15",
   "SubTopic": "10",
   "Topic": "220",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-15"
  },
  "r12": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "SubTopic": "405",
   "Topic": "942",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481071/942-405-45-2"
  },
  "r13": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "SubTopic": "10",
   "Topic": "810",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481231/810-10-45-20"
  },
  "r14": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "21C",
   "SubTopic": "10",
   "Topic": "230",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-21C"
  },
  "r15": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "230",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-28"
  },
  "r16": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Subparagraph": "(b)",
   "SubTopic": "10",
   "Topic": "230",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-28"
  },
  "r17": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "SubTopic": "10",
   "Topic": "360",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482099/360-10-50-1"
  },
  "r18": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "SubTopic": "10",
   "Topic": "470",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481544/470-10-50-1"
  },
  "r19": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "SubTopic": "20",
   "Topic": "715",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r20": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "SubTopic": "405",
   "Topic": "942",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481047/942-405-50-1"
  },
  "r21": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "SubTopic": "30",
   "Topic": "805",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479581/805-30-50-1"
  },
  "r22": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "SubTopic": "740",
   "Topic": "942",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481141/942-740-50-1"
  },
  "r23": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "SubTopic": "740",
   "Topic": "944",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480135/944-740-50-1"
  },
  "r24": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "SubTopic": "405",
   "Topic": "942",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481047/942-405-50-1"
  },
  "r25": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "SubTopic": "740",
   "Topic": "942",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481141/942-740-50-1"
  },
  "r26": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "SubTopic": "10",
   "Topic": "310",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-11"
  },
  "r27": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "19",
   "SubTopic": "10",
   "Topic": "740",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-19"
  },
  "r28": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(c)(3)",
   "SubTopic": "10",
   "Topic": "810",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-1A"
  },
  "r29": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(c),(3)",
   "SubTopic": "10",
   "Topic": "810",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-1A"
  },
  "r30": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(d)",
   "SubTopic": "10",
   "Topic": "810",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-1A"
  },
  "r31": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "SubTopic": "10",
   "Topic": "505",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-2"
  },
  "r32": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "SubTopic": "10",
   "Topic": "815",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-2"
  },
  "r33": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)",
   "SubTopic": "10",
   "Topic": "820",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r34": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "SubTopic": "10",
   "Topic": "820",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r35": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "SubTopic": "20",
   "Topic": "210",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483466/210-20-50-3"
  },
  "r36": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "35",
   "SubTopic": "10",
   "Topic": "310",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-35"
  },
  "r37": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4D",
   "Subparagraph": "(c)(2)",
   "SubTopic": "20",
   "Topic": "860",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4D"
  },
  "r38": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "820",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-6A"
  },
  "r39": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Subparagraph": "(a)(b)(c)",
   "Paragraph": "1",
   "SubTopic": "20",
   "Topic": "715",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r40": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Subparagraph": "(c)",
   "Paragraph": "2",
   "SubTopic": "10",
   "Topic": "718",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r41": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "13",
   "SubTopic": "20",
   "Topic": "210",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483444/210-20-55-13"
  },
  "r42": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "8",
   "SubTopic": "20",
   "Topic": "210",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483444/210-20-55-8"
  },
  "r43": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(22))",
   "SubTopic": "10",
   "Topic": "210",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r44": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(27))",
   "SubTopic": "10",
   "Topic": "210",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r45": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "210",
   "SubTopic": "10",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02.19(b),22(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r46": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "210",
   "SubTopic": "10",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02.19-26)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r47": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "210",
   "SubTopic": "10",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02.22(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r48": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "210",
   "SubTopic": "10",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02.22)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r49": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "210",
   "SubTopic": "10",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02.29-31)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r50": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "210",
   "SubTopic": "10",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02.3,4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r51": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "210",
   "SubTopic": "10",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02.30)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r52": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "220",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-14"
  },
  "r53": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "220",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "14A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-14A"
  },
  "r54": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "220",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-5"
  },
  "r55": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-12"
  },
  "r56": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "12",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-12"
  },
  "r57": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "12",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-12"
  },
  "r58": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "13",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-13"
  },
  "r59": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "14",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-14"
  },
  "r60": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "15",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-15"
  },
  "r61": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "15",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-15"
  },
  "r62": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "25",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-25"
  },
  "r63": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-4"
  },
  "r64": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-8"
  },
  "r65": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482913/230-10-50-1"
  },
  "r66": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482913/230-10-50-2"
  },
  "r67": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482913/230-10-50-3"
  },
  "r68": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482913/230-10-50-4"
  },
  "r69": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "230",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482913/230-10-50-5"
  },
  "r70": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "250",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-1"
  },
  "r71": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "250",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-3"
  },
  "r72": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "260",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482662/260-10-50-1"
  },
  "r73": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "260",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482662/260-10-50-2"
  },
  "r74": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "270",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482989/270-10-45-12"
  },
  "r75": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "270",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482989/270-10-45-13"
  },
  "r76": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//310/tableOfContent"
  },
  "r77": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//310-10/tableOfContent"
  },
  "r78": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481990/310-10-45-3"
  },
  "r79": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "11B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-11B"
  },
  "r80": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "11B",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-11B"
  },
  "r81": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "14A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-14A"
  },
  "r82": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "15",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-15"
  },
  "r83": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-15"
  },
  "r84": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-15"
  },
  "r85": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "29",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-29"
  },
  "r86": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-7"
  },
  "r87": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "310",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "7A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-7A"
  },
  "r88": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "320",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//320/tableOfContent"
  },
  "r89": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "350",
   "SubTopic": "30",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482686/350-30-45-1"
  },
  "r90": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "350",
   "SubTopic": "30",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482686/350-30-45-2"
  },
  "r91": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "350",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-1"
  },
  "r92": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "350",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "((a)(1),(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-2"
  },
  "r93": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "350",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-2"
  },
  "r94": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "350",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-2"
  },
  "r95": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "360",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482099/360-10-50-1"
  },
  "r96": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "470",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481544/470-10-50-5"
  },
  "r97": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "470",
   "SubTopic": "20",
   "Section": "25",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481284/470-20-25-2"
  },
  "r98": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "480",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481648/480-10-50-2"
  },
  "r99": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-3"
  },
  "r100": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-4"
  },
  "r101": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-8"
  },
  "r102": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "30",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481549/505-30-45-1"
  },
  "r103": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "505",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481520/505-30-50-4"
  },
  "r104": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "715",
   "SubTopic": "20",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-2"
  },
  "r105": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "715",
   "SubTopic": "20",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-3"
  },
  "r106": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "715",
   "SubTopic": "20",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-4"
  },
  "r107": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "715",
   "SubTopic": "20",
   "Section": "55",
   "Paragraph": "17",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480482/715-20-55-17"
  },
  "r108": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "718",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-1"
  },
  "r109": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "718",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r110": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "718",
   "SubTopic": "20",
   "Section": "55",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481089/718-20-55-12"
  },
  "r111": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "718",
   "SubTopic": "20",
   "Section": "55",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481089/718-20-55-13"
  },
  "r112": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "740",
   "SubTopic": "10",
   "Section": "45",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482525/740-10-45-6"
  },
  "r113": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "740",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-8"
  },
  "r114": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "10",
   "Section": "05",
   "Paragraph": "4",
   "Subparagraph": "(a)-(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479515/805-10-05-4"
  },
  "r115": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "10",
   "Section": "25",
   "Paragraph": "23",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479405/805-10-25-23"
  },
  "r116": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479328/805-10-50-2"
  },
  "r117": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479328/805-10-50-3"
  },
  "r118": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "10",
   "Section": "55",
   "Paragraph": "37",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479303/805-10-55-37"
  },
  "r119": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "20",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479907/805-20-50-1"
  },
  "r120": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "20",
   "Section": "50",
   "Paragraph": "4A",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479907/805-20-50-4A"
  },
  "r121": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "30",
   "Section": "25",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479668/805-30-25-2"
  },
  "r122": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "30",
   "Section": "25",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479668/805-30-25-3"
  },
  "r123": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "30",
   "Section": "25",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479668/805-30-25-4"
  },
  "r124": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "30",
   "Section": "30",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479637/805-30-30-5"
  },
  "r125": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "30",
   "Section": "30",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479637/805-30-30-6"
  },
  "r126": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "805",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479581/805-30-50-1"
  },
  "r127": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-1"
  },
  "r128": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2AA",
   "Subparagraph": "a",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-2AA"
  },
  "r129": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-4"
  },
  "r130": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-5A"
  },
  "r131": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-5A"
  },
  "r132": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "810",
   "SubTopic": "10",
   "Section": "55",
   "Paragraph": "4M",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481175/810-10-55-4M"
  },
  "r133": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-1"
  },
  "r134": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-1A"
  },
  "r135": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-1B"
  },
  "r136": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-2"
  },
  "r137": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-2"
  },
  "r138": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4"
  },
  "r139": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4A"
  },
  "r140": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4A"
  },
  "r141": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4B"
  },
  "r142": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4B",
   "Subparagraph": "(a),(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4B"
  },
  "r143": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4B",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4B"
  },
  "r144": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4B"
  },
  "r145": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4C"
  },
  "r146": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4C",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4C"
  },
  "r147": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4C",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4C"
  },
  "r148": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4C",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4C"
  },
  "r149": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "4D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4D"
  },
  "r150": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-5"
  },
  "r151": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-7"
  },
  "r152": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-8"
  },
  "r153": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "8",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-8"
  },
  "r154": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "10",
   "Section": "55",
   "Paragraph": "182",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480401/815-10-55-182"
  },
  "r155": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "25",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480238/815-25-50-1"
  },
  "r156": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "815",
   "SubTopic": "30",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480870/815-30-50-1"
  },
  "r157": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "820",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r158": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "820",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r159": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "820",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-3"
  },
  "r160": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "825",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-11"
  },
  "r161": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "825",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-12"
  },
  "r162": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "825",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "28",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-28"
  },
  "r163": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "825",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "30",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-30"
  },
  "r164": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "825",
   "SubTopic": "10",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-30"
  },
  "r165": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "835",
   "SubTopic": "30",
   "Section": "45",
   "Paragraph": "1A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482925/835-30-45-1A"
  },
  "r166": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "835",
   "SubTopic": "30",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482925/835-30-45-2"
  },
  "r167": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "835",
   "SubTopic": "30",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482925/835-30-45-3"
  },
  "r168": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "835",
   "SubTopic": "30",
   "Section": "55",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482949/835-30-55-8"
  },
  "r169": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "860",
   "SubTopic": "50",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-2"
  },
  "r170": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "940",
   "SubTopic": "405",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481823/940-405-45-1"
  },
  "r171": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "210",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03.10(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r172": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "210",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03.12)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r173": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "210",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03.15(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r174": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "210",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03.15)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r175": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "210",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03.16)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r176": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "210",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03.3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r177": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "210",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03.4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r178": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "230",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481160/942-230-45-1"
  },
  "r179": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "470",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480848/942-470-50-1"
  },
  "r180": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Name": "Accounting Standards Codification",
   "Topic": "942",
   "SubTopic": "470",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480848/942-470-50-3"
  },
  "r181": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(19))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r182": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(20))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r183": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(26)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r184": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(26)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r185": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(28))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r186": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(29))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r187": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(30)(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r188": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(30)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r189": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(30))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r190": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(31))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r191": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(32))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r192": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483466/210-20-50-3"
  },
  "r193": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483466/210-20-50-4"
  },
  "r194": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483444/210-20-55-7"
  },
  "r195": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//220/tableOfContent"
  },
  "r196": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-11"
  },
  "r197": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-03(1)(e))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-1"
  },
  "r198": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r199": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(20))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r200": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(7)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r201": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(9)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r202": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03.4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r203": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03.6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r204": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03.8)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r205": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-13"
  },
  "r206": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-24"
  },
  "r207": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-25"
  },
  "r208": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-28"
  },
  "r209": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "235",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//235/tableOfContent"
  },
  "r210": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "250",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//250/tableOfContent"
  },
  "r211": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "275",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//275/tableOfContent"
  },
  "r212": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SAB Topic 4.E)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480418/310-10-S99-2"
  },
  "r213": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "310",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481569/310-20-50-1"
  },
  "r214": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "310",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481746/310-40-50-4"
  },
  "r215": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-1"
  },
  "r216": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-2"
  },
  "r217": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-2"
  },
  "r218": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "360",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482099/360-10-50-1"
  },
  "r219": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "440",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//440/tableOfContent"
  },
  "r220": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "470",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//470/tableOfContent"
  },
  "r221": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "19",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481573/470-10-45-19"
  },
  "r222": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-6"
  },
  "r223": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-6"
  },
  "r224": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-7"
  },
  "r225": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.3-04)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480008/505-10-S99-1"
  },
  "r226": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r227": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "715",
   "SubTopic": "20",
   "Subparagraph": "(d)(5)",
   "Name": "Accounting Standards Codification",
   "Paragraph": "1",
   "Section": "50",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r228": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "715",
   "SubTopic": "20",
   "Subparagraph": "(f)",
   "Name": "Accounting Standards Codification",
   "Paragraph": "1",
   "Section": "50",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r229": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "715",
   "SubTopic": "20",
   "Subparagraph": "(h)",
   "Name": "Accounting Standards Codification",
   "Paragraph": "1",
   "Section": "50",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r230": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Paragraph": "12",
   "Section": "50",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-12"
  },
  "r231": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Paragraph": "2",
   "Section": "50",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-2"
  },
  "r232": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Paragraph": "9",
   "Section": "50",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-9"
  },
  "r233": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-15"
  },
  "r234": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-15A"
  },
  "r235": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.I.7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479360/740-10-S99-1"
  },
  "r236": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "805",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//805/tableOfContent"
  },
  "r237": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "805",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Paragraph": "1",
   "Section": "50",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479907/805-20-50-1"
  },
  "r238": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "805",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479581/805-30-50-1"
  },
  "r239": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "810",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//810/tableOfContent"
  },
  "r240": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "19",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481231/810-10-45-19"
  },
  "r241": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "815",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//815/tableOfContent"
  },
  "r242": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r243": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481420/860-30-50-1A"
  },
  "r244": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "940",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//940-320/tableOfContent"
  },
  "r245": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r246": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(11))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r247": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(13)(3)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r248": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(13))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r249": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(14))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r250": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(15)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r251": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(16))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r252": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(23))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r253": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03.13(3)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r254": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03.13,16)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r255": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(13))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r256": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(15))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r257": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(22))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r258": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r259": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.1-5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r260": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.10)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r261": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.12)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r262": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.13)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r263": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.14(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r264": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.14)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r265": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r266": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r267": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r268": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.8)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r269": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04.9)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r270": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//942-320/tableOfContent"
  },
  "r271": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "325",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481026/942-325-45-1"
  },
  "r272": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "942",
   "SubTopic": "470",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480876/942-470-45-1"
  },
  "r273": {
   "role": "http://fasb.org/us-gaap/role/ref/legacyRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//946-320/tableOfContent"
  },
  "r274": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11B",
   "Subparagraph": "(b)",
   "SubTopic": "10",
   "Topic": "310",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-11B"
  },
  "r275": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(b)",
   "SubTopic": "10",
   "Topic": "310",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-15"
  },
  "r276": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "SubTopic": "10",
   "Topic": "310",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-6"
  },
  "r277": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-6"
  },
  "r278": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-6"
  },
  "r279": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-7"
  },
  "r280": {
   "role": "http://fasb.org/us-gaap/role/ref/otherTransitionRef",
   "Topic": "840",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481161/840-30-50-1"
  },
  "r281": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "SubTopic": "20",
   "Topic": "740",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482659/740-20-45-2"
  },
  "r282": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "21",
   "SubTopic": "10",
   "Topic": "230",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-21"
  },
  "r283": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "SubTopic": "20",
   "Topic": "310",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481569/310-20-50-1"
  },
  "r284": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "SubTopic": "360",
   "Topic": "958",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480321/958-360-50-1"
  },
  "r285": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "SubTopic": "30",
   "Topic": "842",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-14"
  },
  "r286": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3A",
   "Subparagraph": "(a)",
   "SubTopic": "30",
   "Topic": "842",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-3A"
  },
  "r287": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3A",
   "Subparagraph": "(b)",
   "SubTopic": "30",
   "Topic": "842",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-3A"
  },
  "r288": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "SubTopic": "10",
   "Topic": "480",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481648/480-10-50-4"
  },
  "r289": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4C",
   "Subparagraph": "(c)",
   "SubTopic": "10",
   "Topic": "815",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4C"
  },
  "r290": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "SubTopic": "360",
   "Topic": "958",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480321/958-360-50-6"
  },
  "r291": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "SubTopic": "10",
   "Topic": "310",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-7A"
  },
  "r292": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(b)",
   "SubTopic": "10",
   "Topic": "740",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-9"
  },
  "r293": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.M.Q4)",
   "SubTopic": "20",
   "Topic": "326",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483530/326-20-S99-1"
  },
  "r294": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(h))",
   "SubTopic": "10",
   "Topic": "235",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r295": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(a)",
   "Publisher": "SEC"
  },
  "r296": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(b)",
   "Subparagraph": "(1)",
   "Publisher": "SEC"
  },
  "r297": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(b)",
   "Subparagraph": "(3)",
   "Publisher": "SEC"
  },
  "r298": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1403",
   "Paragraph": "(b)",
   "Publisher": "SEC"
  },
  "r299": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1404",
   "Paragraph": "(a)",
   "Publisher": "SEC"
  },
  "r300": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1404",
   "Paragraph": "(b)",
   "Publisher": "SEC"
  },
  "r301": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "(a)",
   "Subparagraph": "(4)",
   "Publisher": "SEC"
  },
  "r302": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "(c)",
   "Publisher": "SEC"
  },
  "r303": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "c",
   "Publisher": "SEC"
  },
  "r304": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(e)",
   "Publisher": "SEC"
  },
  "r305": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Publisher": "SEC"
  },
  "r306": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "04",
   "Paragraph": "(a)",
   "Publisher": "SEC"
  },
  "r307": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "04",
   "Paragraph": "a",
   "Publisher": "SEC"
  },
  "r308": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Footnote": "2",
   "Publisher": "SEC"
  },
  "r309": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Footnote": "4",
   "Publisher": "SEC"
  },
  "r310": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column B",
   "Publisher": "SEC"
  },
  "r311": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column C",
   "Publisher": "SEC"
  },
  "r312": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column D",
   "Publisher": "SEC"
  },
  "r313": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column E",
   "Publisher": "SEC"
  },
  "r314": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column F",
   "Publisher": "SEC"
  },
  "r315": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column G",
   "Publisher": "SEC"
  },
  "r316": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column H",
   "Publisher": "SEC"
  },
  "r317": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "28",
   "Paragraph": "Column I",
   "Publisher": "SEC"
  },
  "r318": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "29",
   "Footnote": "4",
   "Publisher": "SEC"
  },
  "r319": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "4",
   "Subsection": "08",
   "Paragraph": "(m)",
   "Subparagraph": "(1)(iii)",
   "Publisher": "SEC"
  },
  "r320": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "105",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479343/105-10-65-6"
  },
  "r321": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "105",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479343/105-10-65-6"
  },
  "r322": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "205",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.5-04(Schedule I))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480922/205-10-S99-6"
  },
  "r323": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "205",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483499/205-20-50-7"
  },
  "r324": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r325": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(15))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r326": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(16))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r327": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(17))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r328": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(18))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r329": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r330": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(27)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r331": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(28))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r332": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(29))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r333": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(30)(a)(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r334": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483466/210-20-50-3"
  },
  "r335": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483466/210-20-50-3"
  },
  "r336": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483466/210-20-50-3"
  },
  "r337": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483466/210-20-50-4"
  },
  "r338": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483444/210-20-55-10"
  },
  "r339": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-10A"
  },
  "r340": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-10A"
  },
  "r341": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-10A"
  },
  "r342": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10A",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-10A"
  },
  "r343": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-11"
  },
  "r344": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-12"
  },
  "r345": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "14A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-14A"
  },
  "r346": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "15",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-15"
  },
  "r347": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "17A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-17A"
  },
  "r348": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-1A"
  },
  "r349": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-1A"
  },
  "r350": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1A",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-1A"
  },
  "r351": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-1B"
  },
  "r352": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-1B"
  },
  "r353": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482765/220-10-50-1"
  },
  "r354": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482765/220-10-50-4"
  },
  "r355": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482765/220-10-50-5"
  },
  "r356": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482765/220-10-50-6"
  },
  "r357": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(210.5-03(11))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r358": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(21))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r359": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(24))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r360": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(25))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r361": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SAB Topic 6.B)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-5"
  },
  "r362": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-11"
  },
  "r363": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "12",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-12"
  },
  "r364": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "15",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-15"
  },
  "r365": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "17",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-17"
  },
  "r366": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-24"
  },
  "r367": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-25"
  },
  "r368": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482913/230-10-50-2"
  },
  "r369": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482913/230-10-50-8"
  },
  "r370": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483426/235-10-50-1"
  },
  "r371": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r372": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(g)(1)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r373": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(h)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r374": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(m)(1)(iii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r375": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(m)(2)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r376": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(n))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r377": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-04(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-3"
  },
  "r378": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "23",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483421/250-10-45-23"
  },
  "r379": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483421/250-10-45-24"
  },
  "r380": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483421/250-10-45-5"
  },
  "r381": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-1"
  },
  "r382": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-1"
  },
  "r383": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-11"
  },
  "r384": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-11"
  },
  "r385": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-12"
  },
  "r386": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-3"
  },
  "r387": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-4"
  },
  "r388": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-7"
  },
  "r389": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-7"
  },
  "r390": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-7"
  },
  "r391": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-8"
  },
  "r392": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-9"
  },
  "r393": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SAB Topic 11.M.Q2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480530/250-10-S99-5"
  },
  "r394": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-10"
  },
  "r395": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-11"
  },
  "r396": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "16",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-16"
  },
  "r397": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-2"
  },
  "r398": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-3"
  },
  "r399": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "40",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-40"
  },
  "r400": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "40",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-40"
  },
  "r401": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "40",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-40"
  },
  "r402": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "40",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-40"
  },
  "r403": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "60B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-60B"
  },
  "r404": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "60B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-60B"
  },
  "r405": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "60B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-60B"
  },
  "r406": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-7"
  },
  "r407": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482662/260-10-50-1"
  },
  "r408": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "15",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482635/260-10-55-15"
  },
  "r409": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "270",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482964/270-10-50-6A"
  },
  "r410": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "272",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483014/272-10-45-1"
  },
  "r411": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "272",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482987/272-10-50-1"
  },
  "r412": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "272",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482987/272-10-50-3"
  },
  "r413": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-22"
  },
  "r414": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-22"
  },
  "r415": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "22",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-22"
  },
  "r416": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-30"
  },
  "r417": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-30"
  },
  "r418": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-32"
  },
  "r419": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-32"
  },
  "r420": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-32"
  },
  "r421": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "41",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-41"
  },
  "r422": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "41",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-41"
  },
  "r423": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//310-10/tableOfContent"
  },
  "r424": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481990/310-10-45-2"
  },
  "r425": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481990/310-10-45-3"
  },
  "r426": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-1"
  },
  "r427": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-11"
  },
  "r428": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-2"
  },
  "r429": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-2"
  },
  "r430": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-3"
  },
  "r431": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "33",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-33"
  },
  "r432": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "34",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-34"
  },
  "r433": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-42"
  },
  "r434": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-42"
  },
  "r435": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-42"
  },
  "r436": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "44",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-44"
  },
  "r437": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "44",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-44"
  },
  "r438": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "310",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//310-20/tableOfContent"
  },
  "r439": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//320/tableOfContent"
  },
  "r440": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481830/320-10-45-11"
  },
  "r441": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-10"
  },
  "r442": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-2"
  },
  "r443": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-2"
  },
  "r444": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(aa)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-2"
  },
  "r445": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(aaa)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-2"
  },
  "r446": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-2"
  },
  "r447": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-2"
  },
  "r448": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-2"
  },
  "r449": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-2A"
  },
  "r450": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r451": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r452": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r453": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r454": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r455": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r456": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r457": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(aaa)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r458": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r459": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r460": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r461": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r462": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r463": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r464": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r465": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5A"
  },
  "r466": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5A"
  },
  "r467": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5A"
  },
  "r468": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r469": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r470": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r471": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r472": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r473": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-9"
  },
  "r474": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-9"
  },
  "r475": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "321",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479536/321-10-50-4"
  },
  "r476": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "323",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481687/323-10-50-3"
  },
  "r477": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479654/326-10-65-4"
  },
  "r478": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479654/326-10-65-4"
  },
  "r479": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(e)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479654/326-10-65-4"
  },
  "r480": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "5",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479654/326-10-65-5"
  },
  "r481": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "30",
   "Paragraph": "4A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479391/326-20-30-4A"
  },
  "r482": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "30",
   "Paragraph": "5A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479391/326-20-30-5A"
  },
  "r483": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "8A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479366/326-20-35-8A"
  },
  "r484": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479344/326-20-45-5"
  },
  "r485": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-11"
  },
  "r486": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-11"
  },
  "r487": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-13"
  },
  "r488": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-13"
  },
  "r489": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-13"
  },
  "r490": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-13"
  },
  "r491": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-13"
  },
  "r492": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-14"
  },
  "r493": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "16",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-16"
  },
  "r494": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "16",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-16"
  },
  "r495": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "16",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-16"
  },
  "r496": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "17",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-17"
  },
  "r497": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "19",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-19"
  },
  "r498": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "19",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-19"
  },
  "r499": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "19",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-19"
  },
  "r500": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "19",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-19"
  },
  "r501": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "21",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-21"
  },
  "r502": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-3A"
  },
  "r503": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-3B"
  },
  "r504": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-3C"
  },
  "r505": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-3D"
  },
  "r506": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-5"
  },
  "r507": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-5"
  },
  "r508": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-6"
  },
  "r509": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-6A"
  },
  "r510": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "30",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479175/326-30-30-1B"
  },
  "r511": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "13A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479148/326-30-35-13A"
  },
  "r512": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "7A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479148/326-30-35-7A"
  },
  "r513": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479130/326-30-45-1"
  },
  "r514": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-3A"
  },
  "r515": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-3B"
  },
  "r516": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-3C"
  },
  "r517": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-3D"
  },
  "r518": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-4"
  },
  "r519": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-4"
  },
  "r520": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-4"
  },
  "r521": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-5"
  },
  "r522": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-7"
  },
  "r523": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-9"
  },
  "r524": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-9"
  },
  "r525": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//350-20/tableOfContent"
  },
  "r526": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482598/350-20-45-1"
  },
  "r527": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482598/350-20-45-2"
  },
  "r528": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r529": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-2"
  },
  "r530": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//350-30/tableOfContent"
  },
  "r531": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-1"
  },
  "r532": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-1"
  },
  "r533": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-2"
  },
  "r534": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "350",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482665/350-30-50-2"
  },
  "r535": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "360",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482099/360-10-50-3"
  },
  "r536": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "410",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//410-20/tableOfContent"
  },
  "r537": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "420",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482017/420-10-50-1"
  },
  "r538": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "420",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 5.P.3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479823/420-10-S99-1"
  },
  "r539": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "420",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SAB Topic 5.P.4(b)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479823/420-10-S99-2"
  },
  "r540": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "440",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482648/440-10-50-4"
  },
  "r541": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "440",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482648/440-10-50-4"
  },
  "r542": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "450",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483076/450-20-50-4"
  },
  "r543": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "450",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483076/450-20-50-9"
  },
  "r544": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "450",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 5.Y.Q2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480102/450-20-S99-1"
  },
  "r545": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "450",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 5.Y.Q4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480102/450-20-S99-1"
  },
  "r546": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "460",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//460/tableOfContent"
  },
  "r547": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "460",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482425/460-10-50-4"
  },
  "r548": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "460",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482425/460-10-50-4"
  },
  "r549": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "460",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482425/460-10-50-4"
  },
  "r550": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "460",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482425/460-10-50-4"
  },
  "r551": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1A"
  },
  "r552": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(iii)(A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1A"
  },
  "r553": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(iv))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1A"
  },
  "r554": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1A"
  },
  "r555": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1B"
  },
  "r556": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(iii)(A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1B"
  },
  "r557": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(iii)(B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1B"
  },
  "r558": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(iv))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1B"
  },
  "r559": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1B"
  },
  "r560": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r561": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r562": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r563": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r564": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r565": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r566": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r567": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r568": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r569": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1C",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1C"
  },
  "r570": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1C",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1C"
  },
  "r571": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1C",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1C"
  },
  "r572": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1D",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1D"
  },
  "r573": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1D",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1D"
  },
  "r574": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1D",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1D"
  },
  "r575": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1E",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1E"
  },
  "r576": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1E",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1E"
  },
  "r577": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1E",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1E"
  },
  "r578": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1E",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1E"
  },
  "r579": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1F"
  },
  "r580": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1F"
  },
  "r581": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1F"
  },
  "r582": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1F"
  },
  "r583": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1I",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1I"
  },
  "r584": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1I",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1I"
  },
  "r585": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1I",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1I"
  },
  "r586": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1I",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1I"
  },
  "r587": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-4"
  },
  "r588": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-13"
  },
  "r589": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-13"
  },
  "r590": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-13"
  },
  "r591": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-13"
  },
  "r592": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-13"
  },
  "r593": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-14"
  },
  "r594": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "16",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-16"
  },
  "r595": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "18",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-18"
  },
  "r596": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-2"
  },
  "r597": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-3"
  },
  "r598": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.3-04)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480008/505-10-S99-1"
  },
  "r599": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//715/tableOfContent"
  },
  "r600": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480535/715-20-45-2"
  },
  "r601": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480535/715-20-45-3A"
  },
  "r602": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r603": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r604": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(10)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r605": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r606": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r607": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r608": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r609": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r610": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r611": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(8)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r612": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(9)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r613": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r614": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r615": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r616": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r617": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r618": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r619": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r620": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r621": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(8)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r622": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r623": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r624": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r625": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r626": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r627": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r628": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)(A)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r629": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)(B)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r630": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(02)(C)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r631": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r632": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r633": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r634": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r635": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r636": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r637": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r638": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r639": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r640": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r641": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r642": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r643": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r644": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(j)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r645": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(k)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r646": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(k)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r647": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(k)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r648": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(k)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r649": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(l)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r650": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(n)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r651": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(o)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r652": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(p)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r653": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(q)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r654": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(r)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r655": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(r)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r656": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-2"
  },
  "r657": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-6"
  },
  "r658": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-6"
  },
  "r659": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-6"
  },
  "r660": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-6"
  },
  "r661": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-6"
  },
  "r662": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-6"
  },
  "r663": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-6"
  },
  "r664": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-6"
  },
  "r665": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-6"
  },
  "r666": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-8"
  },
  "r667": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480126/715-20-S99-2"
  },
  "r668": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480266/715-60-50-3"
  },
  "r669": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480266/715-60-50-4"
  },
  "r670": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "70",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480794/715-70-50-1"
  },
  "r671": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480606/715-80-35-1"
  },
  "r672": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-11"
  },
  "r673": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-5"
  },
  "r674": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-5"
  },
  "r675": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-9"
  },
  "r676": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//718/tableOfContent"
  },
  "r677": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "1D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480483/718-10-35-1D"
  },
  "r678": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480483/718-10-35-2"
  },
  "r679": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480483/718-10-35-3"
  },
  "r680": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r681": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r682": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r683": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r684": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r685": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r686": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r687": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r688": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r689": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r690": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r691": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r692": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)(iv)(04)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r693": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r694": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r695": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r696": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r697": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)(02)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r698": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(2)(iii)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r699": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r700": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r701": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(e)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r702": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(e)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r703": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r704": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r705": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r706": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r707": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r708": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r709": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)(v)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r710": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)(1)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r711": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r712": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r713": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r714": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(l)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r715": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "15",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480336/718-10-65-15"
  },
  "r716": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "15",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480336/718-10-65-15"
  },
  "r717": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "15",
   "Subparagraph": "(f)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480336/718-10-65-15"
  },
  "r718": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 14.C.Q3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479830/718-10-S99-1"
  },
  "r719": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 14.D.1.Q5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479830/718-10-S99-1"
  },
  "r720": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 14.D.2.Q6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479830/718-10-S99-1"
  },
  "r721": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 14.D.3.Q2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479830/718-10-S99-1"
  },
  "r722": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 14.F)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479830/718-10-S99-1"
  },
  "r723": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//740/tableOfContent"
  },
  "r724": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "25",
   "Paragraph": "3",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482620/740-10-25-3"
  },
  "r725": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "10B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482525/740-10-45-10B"
  },
  "r726": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482525/740-10-45-25"
  },
  "r727": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482525/740-10-45-28"
  },
  "r728": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-10"
  },
  "r729": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-12"
  },
  "r730": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-14"
  },
  "r731": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-15"
  },
  "r732": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-15A"
  },
  "r733": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-15A"
  },
  "r734": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-15A"
  },
  "r735": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-15A"
  },
  "r736": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-15A"
  },
  "r737": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "17",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-17"
  },
  "r738": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "19",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-19"
  },
  "r739": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-2"
  },
  "r740": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-2"
  },
  "r741": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-2"
  },
  "r742": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "20",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-20"
  },
  "r743": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "21",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-21"
  },
  "r744": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-9"
  },
  "r745": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "8",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482615/740-10-65-8"
  },
  "r746": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "8",
   "Subparagraph": "(d)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482615/740-10-65-8"
  },
  "r747": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB TOPIC 6.I.5.Q1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479360/740-10-S99-1"
  },
  "r748": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB TOPIC 6.I.7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479360/740-10-S99-1"
  },
  "r749": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.I.Fact.1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479360/740-10-S99-1"
  },
  "r750": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.I.Fact.2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479360/740-10-S99-1"
  },
  "r751": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SAB Topic 11.C)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479360/740-10-S99-2"
  },
  "r752": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "270",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482526/740-270-50-1"
  },
  "r753": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "740",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482603/740-30-50-2"
  },
  "r754": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479328/805-10-50-2"
  },
  "r755": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479328/805-10-50-2"
  },
  "r756": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479907/805-20-50-5"
  },
  "r757": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "805",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479907/805-20-50-5"
  },
  "r758": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481231/810-10-45-25"
  },
  "r759": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "25",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481231/810-10-45-25"
  },
  "r760": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-1A"
  },
  "r761": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(bb)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-3"
  },
  "r762": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-3"
  },
  "r763": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4A",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4A"
  },
  "r764": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4C",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4C"
  },
  "r765": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4E",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4E"
  },
  "r766": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4K",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4K"
  },
  "r767": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5C",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-5C"
  },
  "r768": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480627/815-20-45-3"
  },
  "r769": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480528/815-20-65-6"
  },
  "r770": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(h)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480528/815-20-65-6"
  },
  "r771": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(h)(1)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480528/815-20-65-6"
  },
  "r772": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(h)(1)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480528/815-20-65-6"
  },
  "r773": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(h)(1)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480528/815-20-65-6"
  },
  "r774": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "6",
   "Subparagraph": "(i)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480528/815-20-65-6"
  },
  "r775": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480237/815-40-50-5"
  },
  "r776": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480175/815-40-65-1"
  },
  "r777": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480175/815-40-65-1"
  },
  "r778": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(e)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480175/815-40-65-1"
  },
  "r779": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480175/815-40-65-1"
  },
  "r780": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r781": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r782": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r783": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r784": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r785": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r786": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r787": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r788": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-3"
  },
  "r789": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-6A"
  },
  "r790": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-6B"
  },
  "r791": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-6B"
  },
  "r792": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482736/825-10-45-1A"
  },
  "r793": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482736/825-10-45-2"
  },
  "r794": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-10"
  },
  "r795": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "28",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-28"
  },
  "r796": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-30"
  },
  "r797": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-31"
  },
  "r798": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-32"
  },
  "r799": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "17",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481694/830-30-45-17"
  },
  "r800": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481694/830-30-45-20"
  },
  "r801": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481694/830-30-45-20"
  },
  "r802": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481694/830-30-45-20"
  },
  "r803": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "20",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481694/830-30-45-20"
  },
  "r804": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481674/830-30-50-1"
  },
  "r805": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "830",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481674/830-30-50-2"
  },
  "r806": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "835",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483013/835-20-50-1"
  },
  "r807": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "835",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482900/835-30-50-1"
  },
  "r808": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "5",
   "Subparagraph": "(d)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479832/842-10-65-5"
  },
  "r809": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//842-20/tableOfContent"
  },
  "r810": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479041/842-20-45-1"
  },
  "r811": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479041/842-20-45-1"
  },
  "r812": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479041/842-20-45-2"
  },
  "r813": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "5",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479041/842-20-45-5"
  },
  "r814": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-1"
  },
  "r815": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-4"
  },
  "r816": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-4"
  },
  "r817": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(g)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-4"
  },
  "r818": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(g)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-4"
  },
  "r819": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(g)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-4"
  },
  "r820": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-6"
  },
  "r821": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//842-30/tableOfContent"
  },
  "r822": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-1"
  },
  "r823": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-10"
  },
  "r824": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-3"
  },
  "r825": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-3"
  },
  "r826": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-5"
  },
  "r827": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-5"
  },
  "r828": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "842",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-6"
  },
  "r829": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)(iii)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483550/848-10-65-2"
  },
  "r830": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)(iii)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483550/848-10-65-2"
  },
  "r831": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "850",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483326/850-10-50-1"
  },
  "r832": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "850",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483326/850-10-50-1"
  },
  "r833": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "850",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483326/850-10-50-3"
  },
  "r834": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "852",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481435/852-10-45-14"
  },
  "r835": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "855",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//855/tableOfContent"
  },
  "r836": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "855",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483399/855-10-50-2"
  },
  "r837": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "855",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483399/855-10-50-2"
  },
  "r838": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//860/tableOfContent"
  },
  "r839": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r840": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r841": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r842": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(bb)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r843": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(bb)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r844": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(bb)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r845": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r846": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r847": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r848": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r849": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(cc)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r850": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(5)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r851": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r852": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r853": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r854": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r855": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r856": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r857": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4D",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4D"
  },
  "r858": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-5"
  },
  "r859": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481444/860-30-45-1"
  },
  "r860": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(b)(1)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481420/860-30-50-1A"
  },
  "r861": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481420/860-30-50-1A"
  },
  "r862": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481420/860-30-50-1A"
  },
  "r863": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481420/860-30-50-7"
  },
  "r864": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481420/860-30-50-7"
  },
  "r865": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481260/860-50-45-1"
  },
  "r866": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481260/860-50-45-2"
  },
  "r867": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481260/860-50-45-2"
  },
  "r868": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-2"
  },
  "r869": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-2"
  },
  "r870": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-2"
  },
  "r871": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-3"
  },
  "r872": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-3"
  },
  "r873": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-3"
  },
  "r874": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-3"
  },
  "r875": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(4)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-3"
  },
  "r876": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(4)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-3"
  },
  "r877": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-3"
  },
  "r878": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r879": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r880": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r881": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r882": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(5)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r883": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(6)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r884": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r885": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r886": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r887": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(e)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r888": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(e)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r889": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r890": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "910",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482546/910-10-50-6"
  },
  "r891": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "924",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 11.L)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479941/924-10-S99-1"
  },
  "r892": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "926",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483154/926-20-50-5"
  },
  "r893": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "928",
   "SubTopic": "340",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483147/928-340-50-1"
  },
  "r894": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-15"
  },
  "r895": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "15",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-15"
  },
  "r896": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "20",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-20"
  },
  "r897": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "20",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-20"
  },
  "r898": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "28",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-28"
  },
  "r899": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "28",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-28"
  },
  "r900": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "33",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-33"
  },
  "r901": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "33",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-33"
  },
  "r902": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "35A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-35A"
  },
  "r903": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "35A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-35A"
  },
  "r904": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-8"
  },
  "r905": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "932",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482274/932-235-50-8"
  },
  "r906": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(10)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r907": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(11))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r908": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(23))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r909": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(26))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r910": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-04(27))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483589/942-220-S99-1"
  },
  "r911": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "235",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-05(b)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479557/942-235-S99-1"
  },
  "r912": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480832/942-320-50-2"
  },
  "r913": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480842/942-360-50-1"
  },
  "r914": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1"
  },
  "r915": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1"
  },
  "r916": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1"
  },
  "r917": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1"
  },
  "r918": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1"
  },
  "r919": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1"
  },
  "r920": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1A"
  },
  "r921": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1B"
  },
  "r922": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1D",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1D"
  },
  "r923": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1F",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1F"
  },
  "r924": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(15))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r925": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(1)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r926": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r927": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r928": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(12))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r929": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(21))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r930": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(22))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r931": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(23)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r932": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(23)(a)(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r933": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(25))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r934": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(8)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r935": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r936": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(11))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r937": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(18))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r938": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(19))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r939": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(2)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r940": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(22))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r941": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(23))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r942": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(3)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r943": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(3)(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r944": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r945": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-04(9))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483586/944-220-S99-1"
  },
  "r946": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480081/944-40-50-7A"
  },
  "r947": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r948": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r949": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(f)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r950": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r951": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(2)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r952": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(2)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r953": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(2)(iii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r954": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(g)(2)(iv)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r955": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(h)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r956": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(h)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480016/944-40-65-2"
  },
  "r957": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480424/946-10-50-3"
  },
  "r958": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479886/946-10-S99-3"
  },
  "r959": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(f)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479886/946-10-S99-3"
  },
  "r960": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(f)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479886/946-10-S99-3"
  },
  "r961": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(f)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479886/946-10-S99-3"
  },
  "r962": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(h)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479886/946-10-S99-3"
  },
  "r963": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(i)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479886/946-10-S99-3"
  },
  "r964": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(i)(2)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479886/946-10-S99-3"
  },
  "r965": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(i)(2)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479886/946-10-S99-3"
  },
  "r966": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-03(i)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479886/946-10-S99-3"
  },
  "r967": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480990/946-20-50-11"
  },
  "r968": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480990/946-20-50-13"
  },
  "r969": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480990/946-20-50-9"
  },
  "r970": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480767/946-205-45-4"
  },
  "r971": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-2"
  },
  "r972": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "27",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-27"
  },
  "r973": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-7"
  },
  "r974": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-7"
  },
  "r975": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-7"
  },
  "r976": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-7"
  },
  "r977": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-7"
  },
  "r978": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-7"
  },
  "r979": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-7"
  },
  "r980": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480737/946-205-50-7"
  },
  "r981": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480555/946-210-45-4"
  },
  "r982": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-1"
  },
  "r983": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-1"
  },
  "r984": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-1"
  },
  "r985": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-1"
  },
  "r986": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-1"
  },
  "r987": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-12"
  },
  "r988": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-2"
  },
  "r989": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-6"
  },
  "r990": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-6"
  },
  "r991": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-6"
  },
  "r992": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-6"
  },
  "r993": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-6"
  },
  "r994": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-6"
  },
  "r995": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r996": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(11))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r997": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(12)(b)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r998": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(12)(b)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r999": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(12)(b)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1000": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(13)(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1001": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(13)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1002": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(14))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1003": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(16)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1004": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(17))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1005": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(19))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1006": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(2)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1007": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(2)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1008": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(3)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1009": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(3)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1010": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(3)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1011": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(6)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1012": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(6)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1013": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(6)(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1014": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(6)(e))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1015": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1016": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(9)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1017": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(9)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1018": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(9)(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1019": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(9)(e))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1020": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.6-05(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-2"
  },
  "r1021": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.6-05(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-2"
  },
  "r1022": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483581/946-220-45-3"
  },
  "r1023": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "7",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483581/946-220-45-7"
  },
  "r1024": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483580/946-220-50-3"
  },
  "r1025": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(1)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1026": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(1)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1027": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1028": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(2)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1029": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(2)(g)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1030": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1031": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1032": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1033": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1034": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1035": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1036": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(a)(7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1037": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1038": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1039": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1040": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1041": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1042": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(7)(c)(7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1043": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(9))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1044": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(1)(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-3"
  },
  "r1045": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(4)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-3"
  },
  "r1046": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-3"
  },
  "r1047": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-3"
  },
  "r1048": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480833/946-310-45-1"
  },
  "r1049": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1050": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1051": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1052": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1053": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1054": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1055": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column B)(Footnote 7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1056": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1057": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1058": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1059": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1060": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 8)(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1061": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 8)(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1062": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 8)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1063": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 8)(b)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1064": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 8)(b)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1065": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 8)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1066": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1067": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C)(Footnote 9))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1068": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column C))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1069": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "12",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-12"
  },
  "r1070": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "19",
   "Subparagraph": "(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-19"
  },
  "r1071": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "19",
   "Subparagraph": "(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-19"
  },
  "r1072": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "19",
   "Subparagraph": "(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-19"
  },
  "r1073": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.12-12A(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-2"
  },
  "r1074": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.12-12A(Column A)(Footnote 3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-2"
  },
  "r1075": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.12-12A(Column C)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-2"
  },
  "r1076": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 1)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1077": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 1)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1078": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1079": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 4)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1080": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 4)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1081": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1082": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 6))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1083": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1084": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1085": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column B)(Footnote 10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1086": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1087": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 11)(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1088": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 11)(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1089": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 11)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1090": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 11)(b)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1091": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 11)(b)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1092": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 11)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1093": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 11))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1094": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 12))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1095": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 13))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1096": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1097": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C)(Footnote 9))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1098": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column C))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1099": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1100": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SX 210.12-13(Column A)(Footnote 3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5"
  },
  "r1101": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SX 210.12-13(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5"
  },
  "r1102": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SX 210.12-13(Column G)(Footnote 8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5"
  },
  "r1103": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5",
   "Subparagraph": "(SX 210.12-13(Column G))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5"
  },
  "r1104": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5A",
   "Subparagraph": "(SX 210.12-13A(Column A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5A"
  },
  "r1105": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5A",
   "Subparagraph": "(SX 210.12-13A(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5A"
  },
  "r1106": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5A",
   "Subparagraph": "(SX 210.12-13A(Column E))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5A"
  },
  "r1107": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5B",
   "Subparagraph": "(SX 210.12-13B(Column A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5B"
  },
  "r1108": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5B",
   "Subparagraph": "(SX 210.12-13B(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5B"
  },
  "r1109": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5B",
   "Subparagraph": "(SX 210.12-13B(Column E)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5B"
  },
  "r1110": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5B",
   "Subparagraph": "(SX 210.12-13B(Column E))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5B"
  },
  "r1111": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column E))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5C"
  },
  "r1112": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column F))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5C"
  },
  "r1113": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column H)(Footnote 7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5C"
  },
  "r1114": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column H))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5C"
  },
  "r1115": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5D",
   "Subparagraph": "(SX 210.12-13D(Column B)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5D"
  },
  "r1116": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5D",
   "Subparagraph": "(SX 210.12-13D(Column C)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5D"
  },
  "r1117": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 1)(a)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1118": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 1)(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1119": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 1)(a)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1120": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 1)(b)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1121": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 1)(b)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1122": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 1)(b)(3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1123": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 1)(b)(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1124": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 1)(b)(5))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1125": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 1)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1126": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1127": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 3))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1128": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1129": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1130": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column E)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1131": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column E)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1132": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column E)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1133": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column E)(Footnote 6)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1134": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column F)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1135": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column F)(Footnote 5)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1136": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column F)(Footnote 7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1137": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column F)(Footnote 8))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1138": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column F)(Footnote 9))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1139": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column F))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1140": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-7"
  },
  "r1141": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-7"
  },
  "r1142": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column C))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-7"
  },
  "r1143": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-7"
  },
  "r1144": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481004/946-505-50-1"
  },
  "r1145": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481004/946-505-50-2"
  },
  "r1146": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481004/946-505-50-2"
  },
  "r1147": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481004/946-505-50-2"
  },
  "r1148": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "946",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481004/946-505-50-2"
  },
  "r1149": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "948",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481852/948-310-45-1"
  },
  "r1150": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "948",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481820/948-310-50-1"
  },
  "r1151": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "948",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-29(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479851/948-310-S99-1"
  },
  "r1152": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "954",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480632/954-210-45-4"
  },
  "r1153": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "954",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480602/954-210-50-2"
  },
  "r1154": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "954",
   "SubTopic": "440",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480327/954-440-50-1"
  },
  "r1155": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1156": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column C))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1157": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1158": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column E))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1159": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column F))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1160": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column G))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1161": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column H))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1162": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Column I))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1163": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1164": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "970",
   "SubTopic": "360",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-28(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479438/970-360-S99-1"
  },
  "r1165": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "976",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482856/976-310-50-1"
  },
  "r1166": {
   "role": "http://www.xbrl.org/2003/role/disclosureRef",
   "Topic": "978",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482707/978-310-50-1"
  },
  "r1167": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4D",
   "Subparagraph": "(a)(1)",
   "SubTopic": "10",
   "Topic": "815",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4D"
  },
  "r1168": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "13H",
   "Subparagraph": "(b)",
   "SubTopic": "40",
   "Topic": "944",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480046/944-40-55-13H"
  },
  "r1169": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483467/210-10-45-1"
  },
  "r1170": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483467/210-10-45-1"
  },
  "r1171": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "16",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483444/210-20-55-16"
  },
  "r1172": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "20",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483444/210-20-55-20"
  },
  "r1173": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "21",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483444/210-20-55-21"
  },
  "r1174": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "210",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "22",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483444/210-20-55-22"
  },
  "r1175": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "15",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482739/220-10-55-15"
  },
  "r1176": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483426/235-10-50-4"
  },
  "r1177": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(m)(1)(ii)(A))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r1178": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "52",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482635/260-10-55-52"
  },
  "r1179": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "30",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-30"
  },
  "r1180": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "280",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482810/280-10-50-31"
  },
  "r1181": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "12A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481933/310-10-55-12A"
  },
  "r1182": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479294/326-20-55-10"
  },
  "r1183": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479294/326-20-55-11"
  },
  "r1184": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "12",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479294/326-20-55-12"
  },
  "r1185": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "12",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479294/326-20-55-12"
  },
  "r1186": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "12",
   "Subparagraph": "(d)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479294/326-20-55-12"
  },
  "r1187": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "15",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479294/326-20-55-15"
  },
  "r1188": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "79",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479294/326-20-55-79"
  },
  "r1189": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "80",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479294/326-20-55-80"
  },
  "r1190": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479081/326-30-55-8"
  },
  "r1191": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482548/350-20-55-24"
  },
  "r1192": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r1193": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "69B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481568/470-20-55-69B"
  },
  "r1194": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "69C",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481568/470-20-55-69C"
  },
  "r1195": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "69E",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481568/470-20-55-69E"
  },
  "r1196": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "69F",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481568/470-20-55-69F"
  },
  "r1197": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-13"
  },
  "r1198": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "606",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "91",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479777/606-10-55-91"
  },
  "r1199": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r1200": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(iv)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r1201": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "17",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480482/715-20-55-17"
  },
  "r1202": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "18",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480482/715-20-55-18"
  },
  "r1203": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-11"
  },
  "r1204": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-11"
  },
  "r1205": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-11"
  },
  "r1206": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-6"
  },
  "r1207": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-6"
  },
  "r1208": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480576/715-80-50-6"
  },
  "r1209": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "715",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480547/715-80-55-8"
  },
  "r1210": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r1211": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(bb)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481203/810-10-50-3"
  },
  "r1212": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "53",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479589/842-20-55-53"
  },
  "r1213": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "852",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481372/852-10-55-10"
  },
  "r1214": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "944",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "29F",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480046/944-40-55-29F"
  },
  "r1215": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-1"
  },
  "r1216": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-6"
  },
  "r1217": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480493/946-210-55-1"
  },
  "r1218": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480833/946-310-45-1"
  },
  "r1219": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1220": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.12-12A(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-2"
  },
  "r1221": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-12B(Column A)(Footnote 1)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-3"
  },
  "r1222": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column A)(Footnote 1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5C"
  },
  "r1223": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "5C",
   "Subparagraph": "(SX 210.12-13C(Column B)(Footnote 1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-5C"
  },
  "r1224": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1225": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column B))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-7"
  },
  "r1226": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column C))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-7"
  },
  "r1227": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "7",
   "Subparagraph": "(SX 210.12-15(Column D))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-7"
  },
  "r1228": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "830",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "39",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480228/946-830-45-39"
  },
  "r1229": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "830",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480167/946-830-55-10"
  },
  "r1230": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "830",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480167/946-830-55-11"
  },
  "r1231": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "946",
   "SubTopic": "830",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480167/946-830-55-12"
  },
  "r1232": {
   "role": "http://www.xbrl.org/2003/role/exampleRef",
   "Topic": "948",
   "SubTopic": "310",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-29(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479851/948-310-S99-1"
  },
  "r1233": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b"
  },
  "r1234": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r1235": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-23"
  },
  "r1236": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r1237": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 10-K",
   "Number": "249",
   "Section": "310"
  },
  "r1238": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Number": "249",
   "Section": "220",
   "Subsection": "f"
  },
  "r1239": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "16",
   "Subsection": "J",
   "Paragraph": "a"
  },
  "r1240": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1"
  },
  "r1241": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i"
  },
  "r1242": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "A"
  },
  "r1243": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "B"
  },
  "r1244": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "C"
  },
  "r1245": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "D"
  },
  "r1246": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "E"
  },
  "r1247": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "ii"
  },
  "r1248": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "iii"
  },
  "r1249": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Section": "6",
   "Subsection": "F",
   "Paragraph": "2"
  },
  "r1250": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 20-F",
   "Subsection": "F",
   "Paragraph": "1",
   "Subparagraph": "ii",
   "Section": "6"
  },
  "r1251": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Number": "249",
   "Section": "240",
   "Subsection": "f"
  },
  "r1252": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a"
  },
  "r1253": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1"
  },
  "r1254": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "i"
  },
  "r1255": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "ii"
  },
  "r1256": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "iii"
  },
  "r1257": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "iv"
  },
  "r1258": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "v"
  },
  "r1259": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "2"
  },
  "r1260": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "a",
   "Subparagraph": "3"
  },
  "r1261": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form 40-F",
   "Section": "19",
   "Paragraph": "b"
  },
  "r1262": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a"
  },
  "r1263": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1"
  },
  "r1264": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "i"
  },
  "r1265": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "ii"
  },
  "r1266": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "iii"
  },
  "r1267": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "iv"
  },
  "r1268": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "1",
   "Sentence": "v"
  },
  "r1269": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "2"
  },
  "r1270": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "a",
   "Subparagraph": "3"
  },
  "r1271": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Form N-CSR",
   "Section": "18",
   "Paragraph": "b"
  },
  "r1272": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Forms 10-K, 10-Q, 20-F",
   "Number": "240",
   "Section": "13",
   "Subsection": "a-1"
  },
  "r1273": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v"
  },
  "r1274": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "1"
  },
  "r1275": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "ii"
  },
  "r1276": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iii"
  },
  "r1277": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "iv"
  },
  "r1278": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "2",
   "Subparagraph": "vi"
  },
  "r1279": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "3"
  },
  "r1280": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "4"
  },
  "r1281": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "5",
   "Subparagraph": "i"
  },
  "r1282": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "5",
   "Subparagraph": "ii"
  },
  "r1283": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "5",
   "Subparagraph": "iii"
  },
  "r1284": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "5",
   "Subparagraph": "iv"
  },
  "r1285": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "6"
  },
  "r1286": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "v",
   "Paragraph": "6",
   "Subparagraph": "i"
  },
  "r1287": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w"
  },
  "r1288": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1"
  },
  "r1289": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i"
  },
  "r1290": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "A"
  },
  "r1291": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "B"
  },
  "r1292": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "C"
  },
  "r1293": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "D"
  },
  "r1294": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "i",
   "Sentence": "E"
  },
  "r1295": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "ii"
  },
  "r1296": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "1",
   "Subparagraph": "iii"
  },
  "r1297": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "w",
   "Paragraph": "2"
  },
  "r1298": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "1"
  },
  "r1299": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2"
  },
  "r1300": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "A"
  },
  "r1301": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "C"
  },
  "r1302": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "D"
  },
  "r1303": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "E"
  },
  "r1304": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "402",
   "Subsection": "x",
   "Paragraph": "2",
   "Subparagraph": "ii",
   "Sentence": "F"
  },
  "r1305": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a"
  },
  "r1306": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "1"
  },
  "r1307": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "2",
   "Subparagraph": "A"
  },
  "r1308": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "2",
   "Subparagraph": "B"
  },
  "r1309": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "2",
   "Subparagraph": "C"
  },
  "r1310": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "a",
   "Paragraph": "2",
   "Subparagraph": "D"
  },
  "r1311": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-K",
   "Number": "229",
   "Section": "408",
   "Subsection": "b",
   "Paragraph": "1"
  },
  "r1312": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Regulation S-T",
   "Number": "232",
   "Section": "405"
  },
  "r1313": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "405"
  },
  "r1314": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "60",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-60"
  },
  "r1315": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "272",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483014/272-10-45-3"
  },
  "r1316": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "323",
   "SubTopic": "740",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481543/323-740-50-2"
  },
  "r1317": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "323",
   "SubTopic": "740",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481543/323-740-50-2"
  },
  "r1318": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "323",
   "SubTopic": "740",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481543/323-740-50-2"
  },
  "r1319": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "323",
   "SubTopic": "740",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481543/323-740-50-2"
  },
  "r1320": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "450",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483076/450-20-50-10"
  },
  "r1321": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "810",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481231/810-10-45-11"
  },
  "r1322": {
   "role": "http://www.xbrl.org/2003/role/recommendedDisclosureRef",
   "Topic": "855",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483399/855-10-50-3"
  },
  "r1323": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "35",
   "Paragraph": "2",
   "SubTopic": "740",
   "Topic": "718",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480887/718-740-35-2"
  },
  "r1324": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "SubTopic": "30",
   "Topic": "842",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479016/842-30-45-1"
  },
  "r1325": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(2)",
   "SubTopic": "10",
   "Topic": "250",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-1"
  },
  "r1326": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)(3)",
   "SubTopic": "10",
   "Topic": "250",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-1"
  },
  "r1327": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "250",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-11"
  },
  "r1328": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "11",
   "Subparagraph": "(b)",
   "SubTopic": "10",
   "Topic": "250",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-11"
  },
  "r1329": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)(2)",
   "SubTopic": "10",
   "Topic": "805",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479328/805-10-50-2"
  },
  "r1330": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(h)(3)",
   "SubTopic": "10",
   "Topic": "805",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479328/805-10-50-2"
  },
  "r1331": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "SubTopic": "10",
   "Topic": "250",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-3"
  },
  "r1332": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)(6)",
   "SubTopic": "50",
   "Topic": "860",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-4"
  },
  "r1333": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4CC",
   "SubTopic": "10",
   "Topic": "815",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4CC"
  },
  "r1334": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "250",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-7"
  },
  "r1335": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(b)",
   "SubTopic": "10",
   "Topic": "250",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-7"
  },
  "r1336": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "SubTopic": "10",
   "Topic": "250",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-8"
  },
  "r1337": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "SubTopic": "10",
   "Topic": "250",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-9"
  },
  "r1338": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(a)",
   "SubTopic": "10",
   "Topic": "740",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-9"
  },
  "r1339": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(a)",
   "Publisher": "SEC"
  },
  "r1340": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(b)",
   "Subparagraph": "(1)",
   "Publisher": "SEC"
  },
  "r1341": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(b)",
   "Subparagraph": "(2)",
   "Publisher": "SEC"
  },
  "r1342": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(b)",
   "Subparagraph": "(3)",
   "Publisher": "SEC"
  },
  "r1343": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(c)",
   "Subparagraph": "(2)(i)",
   "Publisher": "SEC"
  },
  "r1344": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(c)",
   "Subparagraph": "(2)(ii)",
   "Publisher": "SEC"
  },
  "r1345": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1402",
   "Paragraph": "(c)",
   "Subparagraph": "(2)(iii)",
   "Publisher": "SEC"
  },
  "r1346": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "(a)",
   "Subparagraph": "(1)",
   "Publisher": "SEC"
  },
  "r1347": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "(a)",
   "Subparagraph": "(2)",
   "Publisher": "SEC"
  },
  "r1348": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1405",
   "Paragraph": "(a)",
   "Subparagraph": "(3)",
   "Publisher": "SEC"
  },
  "r1349": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(a)",
   "Publisher": "SEC"
  },
  "r1350": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(a)",
   "Subparagraph": "(1)",
   "Publisher": "SEC"
  },
  "r1351": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(a)",
   "Subparagraph": "(2)",
   "Publisher": "SEC"
  },
  "r1352": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(a)",
   "Subparagraph": "(3)",
   "Publisher": "SEC"
  },
  "r1353": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(a)",
   "Subparagraph": "(4)",
   "Publisher": "SEC"
  },
  "r1354": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(a)",
   "Subparagraph": "(5)",
   "Publisher": "SEC"
  },
  "r1355": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(c)",
   "Publisher": "SEC"
  },
  "r1356": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(d)",
   "Publisher": "SEC"
  },
  "r1357": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(e)",
   "Publisher": "SEC"
  },
  "r1358": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(f)",
   "Subparagraph": "(1)",
   "Publisher": "SEC"
  },
  "r1359": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(f)",
   "Subparagraph": "(2)",
   "Publisher": "SEC"
  },
  "r1360": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(f)",
   "Subparagraph": "(2)(i)",
   "Publisher": "SEC"
  },
  "r1361": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(f)",
   "Subparagraph": "(2)(i)(ii)",
   "Publisher": "SEC"
  },
  "r1362": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(f)",
   "Subparagraph": "(2)(i)(iii)",
   "Publisher": "SEC"
  },
  "r1363": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-K (SK)",
   "Number": "229",
   "Section": "1406",
   "Paragraph": "(f)",
   "Subparagraph": "(2)(i)(iv)",
   "Publisher": "SEC"
  },
  "r1364": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "11",
   "Subsection": "03",
   "Publisher": "SEC"
  },
  "r1365": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "12",
   "Subsection": "04",
   "Paragraph": "(a)",
   "Publisher": "SEC"
  },
  "r1366": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "13",
   "Subsection": "01",
   "Paragraph": "(a)",
   "Subparagraph": "(4)(i)",
   "Publisher": "SEC"
  },
  "r1367": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "13",
   "Subsection": "01",
   "Paragraph": "(a)",
   "Subparagraph": "(4)(iv)",
   "Publisher": "SEC"
  },
  "r1368": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Name": "Regulation S-X (SX)",
   "Number": "210",
   "Section": "13",
   "Subsection": "02",
   "Paragraph": "(a)",
   "Subparagraph": "(4)(iv)",
   "Publisher": "SEC"
  },
  "r1369": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r1370": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(17))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r1371": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(18))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r1372": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "210",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.5-02(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480566/210-10-S99-1"
  },
  "r1373": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482790/220-10-45-14"
  },
  "r1374": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482765/220-10-50-4"
  },
  "r1375": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482765/220-10-50-5"
  },
  "r1376": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482765/220-10-50-6"
  },
  "r1377": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "220",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "2",
   "Subparagraph": "(SX 210.5-03(b)(4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483621/220-10-S99-2"
  },
  "r1378": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "12",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-12"
  },
  "r1379": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "12",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-12"
  },
  "r1380": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "13",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-13"
  },
  "r1381": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-28"
  },
  "r1382": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "28",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482740/230-10-45-28"
  },
  "r1383": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "230",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "8",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482913/230-10-50-8"
  },
  "r1384": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(d))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r1385": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(f))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r1386": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(g)(1)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r1387": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.4-08(h)(1)(Note 1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-1"
  },
  "r1388": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "235",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.12-04(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480678/235-10-S99-3"
  },
  "r1389": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "23",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483421/250-10-45-23"
  },
  "r1390": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "24",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483421/250-10-45-24"
  },
  "r1391": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "5",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483421/250-10-45-5"
  },
  "r1392": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-12"
  },
  "r1393": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "250",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483443/250-10-50-4"
  },
  "r1394": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "55",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482689/260-10-45-55"
  },
  "r1395": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "260",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482662/260-10-50-1"
  },
  "r1396": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "33",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-33"
  },
  "r1397": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "34",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-34"
  },
  "r1398": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Subparagraph": "(a)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-42"
  },
  "r1399": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "42",
   "Subparagraph": "(a)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-42"
  },
  "r1400": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "310",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481962/310-10-50-7A"
  },
  "r1401": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "11",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481830/320-10-45-11"
  },
  "r1402": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-2"
  },
  "r1403": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r1404": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r1405": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r1406": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r1407": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-3"
  },
  "r1408": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1409": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1410": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(aaa)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1411": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1412": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1413": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1414": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1415": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1416": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1417": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Subparagraph": "(f)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5"
  },
  "r1418": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5A"
  },
  "r1419": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5A"
  },
  "r1420": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5A",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5A"
  },
  "r1421": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r1422": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r1423": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r1424": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r1425": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-5B"
  },
  "r1426": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "320",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481800/320-10-50-9"
  },
  "r1427": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "321",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479536/321-10-50-3"
  },
  "r1428": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "321",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479536/321-10-50-3"
  },
  "r1429": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "321",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479536/321-10-50-3"
  },
  "r1430": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "321",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479536/321-10-50-4"
  },
  "r1431": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "323",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481687/323-10-50-3"
  },
  "r1432": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479654/326-10-65-4"
  },
  "r1433": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "4",
   "Subparagraph": "(e)(4)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479654/326-10-65-4"
  },
  "r1434": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479344/326-20-45-1"
  },
  "r1435": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-13"
  },
  "r1436": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "14",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-14"
  },
  "r1437": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479319/326-20-50-5"
  },
  "r1438": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479130/326-30-45-1"
  },
  "r1439": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-4"
  },
  "r1440": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "326",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479106/326-30-50-4"
  },
  "r1441": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r1442": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r1443": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r1444": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r1445": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r1446": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r1447": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r1448": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(g)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r1449": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1"
  },
  "r1450": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-1A"
  },
  "r1451": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "350",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482573/350-20-50-2"
  },
  "r1452": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "360",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482099/360-10-50-1"
  },
  "r1453": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "410",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481931/410-30-50-10"
  },
  "r1454": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "420",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482047/420-10-45-3"
  },
  "r1455": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "450",
   "Name": "Accounting Standards Codification",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//450/tableOfContent"
  },
  "r1456": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "460",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482425/460-10-50-4"
  },
  "r1457": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(i))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1A"
  },
  "r1458": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(ii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1A"
  },
  "r1459": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(iii))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1A"
  },
  "r1460": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1A",
   "Subparagraph": "(SX 210.13-01(a)(4)(iv))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1A"
  },
  "r1461": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1B",
   "Subparagraph": "(SX 210.13-02(a)(4)(iv))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480097/470-10-S99-1B"
  },
  "r1462": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1B"
  },
  "r1463": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "470",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1D",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481139/470-20-50-1D"
  },
  "r1464": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "505",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "13",
   "Subparagraph": "(h)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481112/505-10-50-13"
  },
  "r1465": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "606",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "5",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479806/606-10-50-5"
  },
  "r1466": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "606",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "55",
   "Paragraph": "91",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479777/606-10-55-91"
  },
  "r1467": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r1468": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r1469": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)(ii)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r1470": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r1471": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(j)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r1472": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(n)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-1"
  },
  "r1473": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480506/715-20-50-3"
  },
  "r1474": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "715",
   "SubTopic": "60",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480266/715-60-50-4"
  },
  "r1475": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "718",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480429/718-10-50-2"
  },
  "r1476": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "10",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-10"
  },
  "r1477": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "12",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-12"
  },
  "r1478": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-2"
  },
  "r1479": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-6"
  },
  "r1480": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "9",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482685/740-10-50-9"
  },
  "r1481": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "740",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SAB Topic 6.I.7)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479360/740-10-S99-1"
  },
  "r1482": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-1A"
  },
  "r1483": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-1A"
  },
  "r1484": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-1B"
  },
  "r1485": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4D",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480434/815-10-50-4D"
  },
  "r1486": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(e)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480175/815-40-65-1"
  },
  "r1487": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "815",
   "SubTopic": "40",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "1",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480175/815-40-65-1"
  },
  "r1488": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r1489": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r1490": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "820",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(bbb)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482106/820-10-50-2"
  },
  "r1491": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "28",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-28"
  },
  "r1492": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "28",
   "Subparagraph": "(f)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-28"
  },
  "r1493": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "31",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-31"
  },
  "r1494": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "825",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "32",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147482907/825-10-50-32"
  },
  "r1495": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-3"
  },
  "r1496": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-4"
  },
  "r1497": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "842",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147478964/842-20-50-6"
  },
  "r1498": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "842",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479773/842-30-50-3"
  },
  "r1499": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)(iii)(01)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483550/848-10-65-2"
  },
  "r1500": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "848",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "65",
   "Paragraph": "2",
   "Subparagraph": "(a)(3)(iii)(03)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483550/848-10-65-2"
  },
  "r1501": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "850",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483326/850-10-50-1"
  },
  "r1502": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "850",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483326/850-10-50-1"
  },
  "r1503": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "850",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483326/850-10-50-3"
  },
  "r1504": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "852",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481404/852-10-50-7"
  },
  "r1505": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "852",
   "SubTopic": "10",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "7",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481404/852-10-50-7"
  },
  "r1506": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r1507": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r1508": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(c)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r1509": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(d)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-3"
  },
  "r1510": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r1511": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r1512": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(b)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r1513": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "20",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "4",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481326/860-20-50-4"
  },
  "r1514": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481444/860-30-45-1"
  },
  "r1515": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1A",
   "Subparagraph": "(b)(2)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481420/860-30-50-1A"
  },
  "r1516": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-2"
  },
  "r1517": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(c)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-2"
  },
  "r1518": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "860",
   "SubTopic": "50",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "3",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147481229/860-50-50-3"
  },
  "r1519": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(1)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r1520": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "942",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.9-03(10))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479853/942-210-S99-1"
  },
  "r1521": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "942",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2",
   "Subparagraph": "(b)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480832/942-320-50-2"
  },
  "r1522": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "942",
   "SubTopic": "470",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "1",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480876/942-470-45-1"
  },
  "r1523": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(c)(1)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1"
  },
  "r1524": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "942",
   "SubTopic": "505",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1B",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480696/942-505-50-1B"
  },
  "r1525": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(15)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r1526": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(16)(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r1527": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.7-03(a)(2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479440/944-210-S99-1"
  },
  "r1528": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "30",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "2B",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479432/944-30-50-2B"
  },
  "r1529": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "944",
   "SubTopic": "80",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "1",
   "Subparagraph": "(e)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480109/944-80-50-1"
  },
  "r1530": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "205",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "4",
   "Subparagraph": "(a)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480767/946-205-45-4"
  },
  "r1531": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "50",
   "Paragraph": "6",
   "Subparagraph": "(a)(3)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480524/946-210-50-6"
  },
  "r1532": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(12)(b)(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1533": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "210",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-04(18))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147479617/946-210-S99-1"
  },
  "r1534": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "3",
   "Subparagraph": "(i)",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483581/946-220-45-3"
  },
  "r1535": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(1)(c))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1536": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.6-07(1))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-1"
  },
  "r1537": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(4)(b))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-3"
  },
  "r1538": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "220",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "3",
   "Subparagraph": "(SX 210.6-09(7))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147483575/946-220-S99-3"
  },
  "r1539": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "1",
   "Subparagraph": "(SX 210.12-12(Column A)(Footnote 2))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-1"
  },
  "r1540": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column E)(Footnote 4))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1541": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "320",
   "Name": "Accounting Standards Codification",
   "Section": "S99",
   "Paragraph": "6",
   "Subparagraph": "(SX 210.12-14(Column E)(Footnote 6)(a))",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480032/946-320-S99-6"
  },
  "r1542": {
   "role": "http://www.xbrl.org/2009/role/commonPracticeRef",
   "Topic": "946",
   "SubTopic": "830",
   "Name": "Accounting Standards Codification",
   "Section": "45",
   "Paragraph": "39",
   "Publisher": "FASB",
   "URI": "https://asc.fasb.org//1943274/2147480228/946-830-45-39"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>180
<FILENAME>0000910073-24-000077-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0000910073-24-000077-xbrl.zip
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M,O(*-,6-LX\73PH;MUAH3=U-\V-CS4F\4LY8M[/"S*UY1 J$*LE26YE:A-V
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MQTFL7%0X5Y*"KT]+6TC+Z!]'.U$-L?1#>]#.!]WX\Q\ Z,\+_P%02P,$%
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M?,:IH6]+4(XMGJ'M->N(W4N\0I+)-S1"(6X2B#$PR6#"XFQM0.(8N$Q31K)
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MET$%5/NCNK%WC1:.SB$JU!Q7E)PQ%A3SV_FP/.':,M>CJ!<@:5D8VBE7E:D
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M%/, -; >4*,BT*EF$]#!,A!T(%+<\H \6-4M+D&'3P<]OWH63.<TKDLW]^6
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MKL^JT &LG\(N5_G(E<SRK[\@NN<NIOX-4$L#!!0    ( !%0;EALYE2K' 4
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M7YCE+$U[RUB9-P/%B_QK.M)T'6LZ!GBE9X/]8=%%E\,$03;W5@06&*I\]&0
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MM$:IE,O#0)7>.4J>U)UG Q7!3Q[<?J3*M$9J25.V&ZG%-[N@]6;%][S9O*:
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M1N-E$_6_$#F[HA/T7 'CC=$HGJ>.*I +[LD.>Z)H)QN:OSSLRN+\DER(2W#
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MD%-!3Y(04M5,(:B)5 4]3$)(52_;H2Y2%?0\"2%5O>3'P9&:'7"HFWZX#?R
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MW-^2.2<$3+I9BVRZ8AJ8$3!3G3]1T./2P(R J4("16-A/UA(==(BZ?V.7RA
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MTDJIC%*22Z3O?J;<'G2UGV/>!S^QRX6>K_=D&C*ME>3R^UIW](2=>:TD5VY
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M<![$,O?G7ZA;/[G9</KNB.,*8N8](+H?F<T3W/4Z"_ CQ^%KD- #23J(]@.
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M+4IU6M"@N1DIGO)1J_"P7'!IPE%PB/%4\*C[7&80"D5#KE/TC%_@>N!?&%X
M3K?WX&(EOQ$VLX#O,'_YV9^8]]P,R"]'[_ KS*..:?Q2#-^Q!UX*'._]&]X
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M'$T4M5M@CH.LTM1P(J#! 7'ZUA@]CK!E/G@<3YB0D4F8T&_V8=32"==VXQN
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M^GF2AX4,650NL8XX'H\%LY#2FT9-^/$<BQ<GO-.(C-O[FVXC5Z_<-FZ^KZF
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M^7Y4B(@S)4)(DEP;ZP4+_ =7R$ ^[#Z!->7((F!"C,UW8',%[A"4LUWWARQ
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M3V YI*M^^)]_YQ+X/V%PWE+SQ$HMC^O9C& 'ESF%2#&X@Q)@<'+&CZCGP>J
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M)<?];%E9.PG=MV?L_"YMQCKMRO7TIK]>A&B9+,-/@XN+B[V);-"]N/Q[@PX
MD7AS*T,UI*=!O@_O[9X!(R$%D, K5D:OU&K;M+08"0>*6*COHJ:H[X)8,IAA
M0/Z4:F$%+4Z+)Y\@ PP4G5F&>4M61G7EZJL&<=W<1GIN1%N%43B MP7N5#H6
MJF *3L;/&FF8*E6ZH NCW<$%U'5+AL9J05N^;5>(?@F@\R7>'(?Q-DSEN !C
M!YLS[N.L)W84HB&%IE9(6F/5JF9O=OGK/X^?\K)][S9 !IY'M%;"Q&9,4NSX
M3@[2R:/-<?I?1+D9'.SO_O<3_/[O53S/HG-T*9>T_IK_]<3Z-PGYXMI5CW;_
M>X?E)&K;01GE9LR11 @"MV7B.^)H21%3U^LH?^U9_,<B;H(5FH35@Q.QC _N
MWBEWZ+*#^W?&.RHM)ZEY\O,/7'"G7#$'C^_>*R"0Y7E931%I4;Q0O+(YE<WE
M1/9&0NJ4"%LQNAW+:5NG/;EYZQNER#-E;>ZVTEJ&<H:F#A>!)J\U#D>^]1AG
MU3*@9+%9JN?!I0W:@XU+5K@86#@Q>+AD5@OCB?L4ZE,\G0JV3E,Q[!A4<WLJ
MPKWPN%!] 9,>P><C%J>W$H/^E%ORMD4.J![A%:S'KS=;Q>4@/:XVI[3C.^X=
M[B=8=5(E5%1)((4ZG@8U(?+4N*XI-U6VG,AZ58TO@ORW;[$$*!\YW%%/:8F<
M/. D;M/T@-_I[N,Z_K//J+9!.O,N.>RIQ^P\+-&UA7QW2C)^0-UOO/AN$6>6
MV0MWR8Z_7/=LXB[-#(0BF5'D8AW<O4=&[3G0YU*W0KNXY;.;J5%I1T;U.1AI
MC0H3&P4J3*6"L;CDN5,2]4;J'8:+TT3H <GV#OU&S'VP'6A:=PEN<D&K0&8_
M'>.K<FH%B-%027[>==OUCQZ7MT&FWUD/6C-^V)^YT&ZG87 N42IF)X26YLFF
MBA*:3[ICCXZU*+PEU0[PXI^3=,[*?]4@XA1UFCO*>!4=,(CE+\G3CH,7+0H
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M.V\<<->X22EMR"6<2UJ=0_$I<>TC\(ID,JP9H<A>]H3*0],?*D\!]KY(^8;
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M9TQ/TKV95B7,XX&*@Y.](IY/%A]5N:YC)0PM[[N2A)_7##B*NAKJ\V(>9X.
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M\N+-TZ*W',^J5,583_=9Q7*JD#:J"8+-:&4I2ZINDIZ[XL>V)HP%YC#EL>+
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MFA4X"5E,N2+BV\O_]02K3X!MA(+)#B3BQ/=&M\GDCP?["6<A")B&2HH#]]<
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MD8E[@<T-0?:5W/G,K?= >#SUA=5D<.=@1RL= 4220Y!'E\_^^NJX"K"L>\:
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M2'#=3/-0?-*:6W;;^7[/$O21!Z#VVGS;UP;I5DE_=LYI!-#0(;U&%H?PUD
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M0V']K.#+A9:U2X*Y<2*=50;$S9J3Y"_?,;RE@Z+G)%=,;K7&N90(K.)<(D,
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M.GJS(:&(.!CQO%E0&R(0C28.]>!!KO2(2I6A$E*VA:2,R!V,FEH-2FD6'X@
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MD+J2$I5A7(.=ZYTQ=O&FH>0^.(G6/J7""N4![E4L&=1N7,Y(P8H:ZYW#VTL
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MCQ)*I_6C'"U0K>B8-Y1P@[L "<^U(+1 B4#HE12-&*?N"O0]/"@^HMB5<(R
M0@3 + )T]:)>AKF$:'DFYCTSX"Q!SS3@V1$L>L54@/%Q1/@ZYZ A=" NNPCN
MBB$QX)X':;Y1S70-BL1ZW5T==MRO6!4Y+'H6AN;^RA 025,6:ZNX!,$B;=S6
M S,X89OKFZO]_(-U[R>KV4S2^Y_").U\+Z4)3ALBQ]B53Y_@?YY\N2+8EVH.
MOJ7-2G.P_O')I1S3&;8[#1/V I]<(RR[!X^^F*Y%YO!!;[[U<RS#52CG;!X/
M9$,=)RLI-]%-/5*H;L#QN*5O% .KE+2''LZDE5D%KFES4 46SC8J'-5_&:U6
M09)O.EQR-89*]4E4ZO$Q'WO02&3V3Z5EOK*]IJQVVTWVI389D>F59(/!*P(K
M-*\)>VS1:J&,I8#-VA4%^RMQRD$?+>;[D@YB=?(D:XQ-*MLD;< _<-AO)>-+
M20;(JN::!8R*>$8^C8R!52<GA=X^EW^Q:@X?T'L$O8"=\3H5PLMDRVLL /RE
M+#^;#;'M<G_BY:;'_[-NWC/W^?IBIP"%K/,PK&UP3K"Z",>4$LG*[=QI#K1=
MZB^QU,_CMJYGU2BZ<.5[9IEFQ]#6_YAB<+.PC"YM7.UE.0>4IYYGCG:?>[E!
MN_]E^?7;;](D,O>3Q*6\-7"^K($S&A$S-AT]U/=G9L#&=2Y2)9-L2*/!+"FG
METM$?$$I6C<AVOA+)J$<A^E6B7VA=7T9=0[U1IE;2\Y1V327Z$MD_ITPJ$0%
M=@J<NOASK,76G<--VFN[Q%]DB:51.,58D8JBD"\!,Q/DI^JRQ*KSP2OL?/ZH
M E9-.>*,6%0!3-G?R;-8K_7OZ+SZ)<L5&MDC3JRMW'\1N7_A4LDJ\["VPK]7
M9)>#S!>Y.5N[;L( 7>]<,G6RFDX( 9UK.)_3Y8J:5BU[Q66S"Y>R,#XE)BT#
M?3)VJRJ_C,B\-4Y02E%/4X,&B7)NH@:]SI[G%!R2V5PC:MG>_N*F[6)_AL5^
M=Q;RW:UU:8DB%:EI+-1JV$8501D= $ZNSI1>GY/C9IF;0M@="(=I+[2_<6A(
M[3)FFJS#\'H1 /\0H(O';FYE[@N9VQ-4EP4^EL:4L:8E$@H=EI=E$R?9E>4J
MU'P<ADN78"%IP(.B8,0'E71DI3HJC0CR&E%W&E0<&HNO=J*AMD7 =92P^1T[
M<$,P@F53#:7!NZ9FKB[+W$K19Y"B9Y[#F19%BG6/BL%3#B2O%\$U_X^]=^]M
M&TNVQ;^*T'=P;@+0[CCI5\:X%W [R4SF=G>"I.<TSE\_4!)E<R*1&I*RH_GT
MOUVK'KLV2<G.JYW$/L#!="R)C_VH78]5:[&J$.GJ!:^C83^U\@0<@J^(3?'@
MLBZE'UU6J?;\JH<$ Q<=+?@QPC1%+5M.06I,(FAWDOH.LWU-S/:/7P9F^Z/:
MA1O>E%^>P7B1VHALW$BT[-"L!4C5,5X,+6NH48XPUV<)7HH=7D4CIO#9#T]G
M?_XY .!J3V,H=Y>OOCE':RQLITY@DGFTYCTO3,<N/;JF^PXXK=@-JZ(7;]?J
MH2L@-X.3G9OOE$7O'CE5ZO9/P\AG3YZ?DLX8'5*$2F:Q0<5);MHK$JDLGW$%
MUE+"S11R>>>TW:P-'IVS6 360)*ZS)WH(L&QFG*6N.'NYV&QU"U_$[%I5+O.
M? '9?\:+J*&?#)9Z=."T@[]X6W*I)L'Y]]4>S^B,J-3XAP42UDNSO06K[287
MU:B ^(V[1R<$0C^E)@4"6#__[R@OVISE5?D?68"714\0EEH;PM<HS$BZ2&*7
M@Y46,C/BX3=4@>B*EO_.XFSJ>O1+DQ+U'+B$:S_IV\.&:] RW(-1V/8.;',C
MJY_X(T=DBTE'E*3BFV*V-4W>/#BI!\%]+;;!C"%/0NN)6KY"=-A^ZRU9?T%8
M?B^>Q82QN@6F[;.<]6?CZ887STY.)_NF$6UO*M6:=B3=;>";\XF**,7;-]:F
M/)M0-;JRM78#F7(HM]\X(B]WP-SMUQO+>7?Y6R5L0.IZ7G!45%@/U+R<8X*U
M.AMVM=*O$9H:>?'\+9I'X5VB-X$N&P*RHFJ+Z$0;3O9NOF\,;])SZRH2YZ5N
M]1&A7@DJD"(:-^S<F8[TL<3H18[N[?#@LRO2R'<3_0DG^A>%)%\4/AHDQWE1
MSS;PD^=Y!U[D"P4-L8F>T:LEV @G,=W.FDTPZ=OA63W/5^%L^-KRAL^2IO=?
M.7'S7KG#&\Z9O^-[?VGK_0DWG".;4BCXV[)R:ITBDI]S.+%7KF4B .KON*2>
M>>BI"*V=J^N&JYO[PMH7[VS?[FHG'Q$3Q)P-J[KISH+QD=Y)A)0"]W!)-ON6
MI%\'JT.Z+>/5B/YGLT<R]VZ&_RR'Y3Q\+>S:>;$N,+@*W#HY*X)U+G!*33?;
M.'>\E=6#M?TL;:@).4DK+*F"VR@5$E95U/O73"[J9?"+HGT *XSQO3/!6MD8
MX*>IE\5.>^-K$]<OO=VMMYOHR&:B62)10>Y2UY#FYXVMEBS0V::<,]YZ@O[2
M$EDI+6+-5;W(ENLUEL=H=_6>'M*[57.#:2^6<R?5*K8A0L,_SMU-,3/:-IQC
M<2_FT55 Y+[8EE1_(OYDW=/P\I3>)D(B/.%A_6U:SYQD=2,G<S_*\MA_4A(,
M<C#'I(9YY8_]T9PZ86,(W"LO][4%&Z^-8.H.G7!SK:-O0Z3;4MQ,B8ZB8[M+
MB:[8#"[X@+UA!= (K4,6).?^71_69S7IOSA"?JT@QL)[>-Q+8U+Q%'9[CG'_
M\Z(JP-78XV^YF^S/I+F@J! S4(Q8-&>$TG;\]YDP6(8S;QENS*UV(5Z8E6OF
M6@^SNRC9'7,D?VFN@#E&^#[9-9<-FQ^IG?+1E_(EEMTF-C91HWO1;VH0KDUR
M'NX6VXUV>$+'C+% -+6DF5%HH!$F>EI66B=SZ"%=411!A$6(Q1G))H<<D]0D
M$_S!9\O\K.WR(>?D:P@]DJ?J/LE8XB@%+GD9MG7#-,@;Y5*=G9?%A3XNU7AF
MR3ZPQAS93/#Y_)/<03-NWOZUF]E,FH,A.6DKPYD^[B?@G OKX42*=V.H5'+!
M_EH,44+98A5'^MN.Z22;&#7 F H#F:YT14E.\^8,DDR::L&_&J+TFS,_?D^J
M).V,]H"]L:CCW8@R.5G#8=ZZJ:$$]=7%'R\<R>Q=!'*CR(L4.?<^K!V1+)F*
M]<9;6EF/-7*=3!I B5&_=\8#&@5W**M RHE,>A,XQ$:Z))&J**)$F"K53,[J
M?'EW#-S<,1 U9C0#KBES[I\5FYPE&GG&M<T$TX(%::1%A1R"IF2NWY+9R'&8
M=,7LO JO>[;5#$[PBAH2,)*\D+A)%YLEA4NBX24F=_ +7:^X)5MLW"]S=,$&
M+\N<+)J"4L(5X) IJ"&X),O)4B!+[!6-$!)K^3M+Z-YSIA"G)E](Q!7[N';O
MNN>NV3WWTRWLGKNS53NC*#WXNO.RF9.@?2=U/Q644//TIMC&7-MB4\T&$4W"
MW;C8-(BM^PS[=Z?2S912(M#L35&LPT0;?%P/$#@]6L-]%U[\D>3*>%[76K6:
M@ARK]V1POUM GT5V+^]8E(9GRDQ$F*B6U .7 Y_7=?A]0'WUZVF;ONG91(C/
MNPU:W"1-N$NC$2F+X$52"1YV0@E6)-_1;Q!5KW.$X[4$'\B\!O99?D]JI5N!
MP<?T S^;Q&@LA@+^M:V@2.Z.DAN+HWT&AV@V#$!DRMDM/;6%M(,T.X'A"V(7
MTO(UFH!'.*#;;=L5*U$:NIOQ&TZV:V<WZ[OF&JP"T$6$4>Z?T/,*,]IVP&XL
M2SX[ /=,3$!81^UB&S%!GESN;L)O>,(-:H52G>6,4T @TP$L"D7ZS8M5%8:?
MH(,03:4,<]O=L;3?\)2&(UU*K2'4.Z!0SR$[%8='LL0<TDFS0JN&6%.2F6M0
MR#R-(YR NW#O,YGM7D.2JF=R2VBDTZ?T&T/N$T)/>%T%7?ANPWY.-I@,K>%=
M:H>^)]')^E()RUOAQ8.^)S62!1>M79?AOY\5X>^$86B*8K5^+V#TW?Q^I/FU
M!DZ'85@T^6:>B.K%NFJO;AK-\"UBG7[EF^.HFGJW>F]B]3Y!6Z*F >)*5!+H
M*%H*4<F&M5\M/7!91'18IJAD1H42'5OMT#6$$NS.'3K@+@%X(S/^G MWH!#1
M;E76)-;B7#;Q/$SL5. _'<B\R]\4BHU'^CD<9&MQ46I0(UR435T1%P)I@+;U
MC+5 :2& ;0F>I@DKXXAD-BA?C)2HLR+7E1G,8D*!TERD3]]3,+U3\605SQ$1
MRS]#6/C3C<,[GB^?C7:D2-6^"^WVI]&0_/B3_?FH2%,>G(R%SHMU(*!!^3PX
MUP>4\@H1,;4?YLMPA-5- ]UI:@(*GG5S1O,\!:*!NFKB;]+EDV$1&&VY*:;/
M&X+^:"?;LQ>_GBJ []FKGP\G?Z\OPT\:_O6V+);SUH#O<R6SBY4VWQ-$U;[M
MFK+UU.)IMXFYUZX8?U"5*B=\2*=/-JVC.CVL,1Z"+GU!U,HX">;,O![^AS6N
M[6UW[196C)=J8%DMP@X!P&5*B8D+8:DDL7.B8^X_I@(:4<HD=(UD+:@:;3^N
M"8AU.'G.0]K;T;)M]*\'TR('15:2JU3V>7+%)XN\[<!?/@./2W6=JX:+,H +
MVSH3KG)@:*(6'ML5%4O<85DR/C+++NO_ $<GWR<8CA=[C)-^*_*BMV786'GC
M:S3,UOZNK\;\[JQ0OZ(9#6'K[,UR>^V1&AG_,'65G=49S^[L"A,]CON/Y -Q
MNXS4,-4"'/=@M1&:E[;=]4L;/!0[?^U>[=A6<##N#9*I88^V_HCH[^G8(W,X
MV7U0.3$6U>>(YP0N&W8</S#-'>/&M[+O,_3H;AJ"_0ZDD%:46Z '7 >/7]C1
M96U=%B8F(=.:B$ F6I^'DY^+6;YIBY'KE&W$(N=M?PEG H[O1$E6S&AGVY19
M_ O]QWS3,'9R.SF# 20079VJE_A@I2=@8@9L]U'O!\ ZDN2VB-^I9'DX.0ES
MDEVY<H?3A5+:,AS6>BK@#*"N^(O"S)K[FPDMD/O=@+]W6N#Y%L$QSZ[P6]S?
M@ZD_*S6<@TA6&)=L &%57+H;"/8FHB>BJSQQ@-3'^378B1H'''$10'-ML?21
MI#(?A;.!M(*M!VC'%84+,]IO[-'%XF":+Q$ZM.=%>%3%*+:CP,:P2L,P3BCM
M1BGR2"L<&TCBAI>:5XL(-J_V]E_<KE#":73?I@CBBQ;&_J#Y^!P\>N<N0$@H
MLB7*+(!QL3MOZLW9.88N89RPC@#FZNTZ2I*["Q7L@B07P9'4=OET6;;G.,NH
MPZS:MPC8/U9H2_BZT@."J>"\8.AD@U6"D]<N%<['L35CF@2]Q1:^;K&)UT^R
M_C+W=>YPH-N>/CW]1>+/57B6>LX <PI7J,Y03@$*IX<FA44N-2"?]>#X5!%"
M)U$Z]:E*I^([1\?TV^=A9"<_9OJS7XT"D_YP].-Q.WE2MK--V^I*/J'.C+;$
M:$7ZL--DM;^*J]V:;OQ-NW.X%^1&'>(ED3^*=O\LN WDWU_4= ;!<RQ[G@#X
M1DY_R03S@O.OLNI:.(0V7%61UB;NXIIL6AXQ/ "&V0[O?VWF9QRKP"-U%Z &
MU_Q-H7DR:O=24HJX'G)$3L'\!J])SO=TW<E"J"6*8N=WAPT2W'WELV/H0VBU
M67_4E!5<N@"=^SRX)4_\T*2.HST#KSB[N,1%XP!3BUD&M/&]\."N.^!#NP,>
M?QG= 3<S.E**D'B[IVO/E@256LDT)\)U^SR"=&]2\B,'=_S8+NPY X-TY!4,
M")_4 _U\\GK/N/N LA!97R*"HRS,B?#SBA2BGSL8WCCH8Y,F=$.7H'$.#G (
M(O_#R06*\YJP14+<0;^DF9<^W;*1")0 C<5%2;6(Q<AJRG9X)O,8LUS/TH?(
ML]K&E:BGF1G@> 7F:!L\?MXF=%OL_43HB*<X_E"%R/<@X?I" ZKWB"C",-')
MP","3@V?7HDI+4NRC(%I8_/=4@YH+_? \HFV-MXMD/WR;<9)%QR764&M^/_U
MOXY^>'#\Z"B;/'SP\%$V^<NC'P\?\1^GY7(I<J;??7?X@+;S3%Q^,';7'<(V
MG8XE\E#9Y)PR- OL,2J+(DJ(9P>11)<MC7ZXS(Z)_<O1@\/O!\]P]/#P.WN&
MY#(NV_8[V!B[[=KSL<8$OBR1'(NB:)B:AQUAQ#F4_ZJK TW4X;7(=B"M6X=A
M[.J#!:LBXIG#'B95*$0C/>;(J>3]8MI/7&K^N [>1"6>=6OI+^L1B"9!?Q:,
M8OA3%T'DS!9GGJ;[G-.H0I<@ _,ZGKJQ5!)FJ%Y>%%S;$<,LV2,&0H:+6"$(
M'&\-@10V:PRN;J/X,?)" M^Z8K349"-9N**LI9)<V=5@7I%=U^&7L1C.<+WI
M0E2*?7Y(@5(;['A!@(S,2S;/*;*IUZ)TV:O(5W)6T&%7%19"%R(X<5ZNP6N=
M&)F\A_[HKR6L'3\HUWR8_*K1(RHA!.*2X^\%!V5D&J5:3D.5OR5-5@,&(M&=
MBI>0O&D7IG:Z= 0:"<N&_\%Y3@L\+.#T_2F6X6[O\(.*HSJ3=M"&;'(@+D3(
MEKIA+.5*62"?=P\FO%P+.X$E:[6[W!,HY9PYH/1SPM4ZMPV0DA/PQNQYKC32
M:0#HCH?=!""R3Z%>Q.?Y.Y.RWA)'%6P!=F1KQ)]K;SZO2O;J#\)$!&=??$$S
M:V3"<MKUU*DUF6[*)5"[&1>TPE@CG@S_7I5OB_D!3;+[$A@"<. $RQN6#SD
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MJR('GF59D^T(UTBZ&US#Q*ABRTY.6:V#[>IK(!.T7"(]DH*!5WE9 >Z;8#N
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M/G#OS<R=XKYY[:P04+=U[PA'WB0F3>*%%\C&\'LL1#/+E=2XT('G)%-0<<!
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M8CC+Z1"9<+82+FV0/)R2-B2MA>?_#;X]7* YRZOR/X*1G3SS1'B3LFTWBG#
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M*F1/(XZ<R]_39)$_MV,=^MCWMH>,A-[!.;P.N[,89"@6P<4N+NOFC><+\?K
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M P\I9+Z1:)%H P 'V ;3L[9]$9;\OPIMV5!J&M=L+MP)>YZZ;S9VK2*4DRY
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M,,;CN+Y,:T)1*J$WRO(.5AZ@0=%98\DV]- 85E[9=IFB/2QKD"?'MM2FH.T
MV*8 "[!3@HTM-=%B;2YC'3R) *+(8L)3\%/7#N>.4@XC\^<1%GTM-Y[<,2")
M9RP2#<,$&=+KL]=S?*"$13V*4<)3+U7[SH"4!FP(![$1]\6$P=.-',5.=FZ0
MN20O>?1I0M0NP:^B9^Q6P7)33RSY>#-9Y%2$$(=5&;:;O$S[9FT7QU>;;OD8
M8"T]I6FD/1-_-CB,G &=@%C<==7>U>L_M%[_XY=1K[^9T=FUIB?W+.Z*G=F(
MH>Y++0(99X<74U9Q^;V4]K/Q'D-.OD42_P2?GYH*P; !H"SU,*JA-\9O.4*G
MCN-0%"TCM?JPKX:^Q]0'G$IT\FQ2&]^/KW+-%=?LG7[XCK6IS\'U>5%16W0X
MIH[XY/T.EI&YZ)'-K+C _[9<<3'R+T>'#[XW.6"RVV1^8\M=F?HG(VQ_UAL<
M;!/3&(C??"^_/_GQA^R'1P^RQS]\S]R_H[YRAG ^%JK8D8U\P>$G?WEX^.!!
M-KDWO3\Y>OPP>_##0W>]'&QS-&+Q^FM3B)%;K'.M:?[EP>&#HWCYS"O7Y.WD
M-5_G9R(#F&U6&TG-<L6[ \OC2[OX:__\8X^=/:#G!C.*_=50(S-WS7!*UI,C
M^KI[LW24[LWN3QY^_T/VZ,&/G_KM3S^_MZ>5=6]^W\*SS%4X5/Q%HC@2/.C*
MY>3HIP>3>3@:)C@G8BQ(%JRH27QYL:BC=>)P3C\5QHNPMS*Y'*?.+HJ*NVPH
M[T'1&&7.Y.M)M$EU'WG83$@W>'V31Q/&YOOPLFX>^C/*A(620[NH15P=0W)
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M>;YN'4SZEAU*+SS/9&LF<K#RX32DF<,E@?+"-+A6!$P9E>DGJ_+MY-[W/_B
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ME[)'='7F:@<N!P?>ON),\G4[>%VCSEA/9DP#-)5@6VB;>Z+R[90(:!B&JGE
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M#_&2L13:PVN,!9B>[K _*<D .PV7F$ D\J<F.%F:&!SZ G[(+@F?DVK9,D)
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MD;:1NP_\R#*2G@S.14.4&&'$NUPIQB@CSSDO%HA,1!^3.XTSCZ)R[(KT3SH
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M)Q@R;]\@AB^IBIA#1>E;E%]?>,QY- 3J(\ !4I(YPP_)4] <KM./T[0$GHP
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MPPVZ)]WQI=CM:,389'*U!CP^OGLE?/8*@"5#C "P*8RU&!^M<O:64A5!C@"
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MBZ";1%VCX"8SPTV4&Y"WCY[_HMS]C7X!UWSGXJEM/K/EF>$_:!;590[C0.\
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MDV$0H\/?T<[[[<8K!8WURDQS@"9I2-*0I"%)0Y*&]DU#&U34C2/1ZZ&[KH?
M_?WMP_W[,DBPU0!X^;Q\_M#/5R9;T2!W@6P5_-_>488D+])NL96YE&/'PUK;
M$?,"#"I?AGQ>/K^/YP\D@SD1K\H#PL2<X]#X%U'*LE3)0@.+^5Q#7LZVEW2@
MCK8Q):F%^4!+"7"H*UX:F!BTI.W GOD<\+?ZNX5D+,&PJMQM2ZF5EE5\BQ>+
M++G2";,G\W'5.AVMKZO]3F=A<OT6IXP%;NG3_B91Y<10I:UV6H.C84HB/(QJ
MPJ,0:VH'VX[6T8\ VJ.<]=]W;:U*)G)"3&2@FKVNE#<2538>#323=E_*F[W
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M)V#3R/O^#M(O4&Y=E$8?V8C-ALQ73%U5JL2D=@'E09$=?LH0-EJ&B6(,Y ?
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MQ&9#YBNFKBI&RS!5^D7.636S_$?;59ZM0#&TP4"9,W\$9U&5:*YTV\K0"NQ
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M9/03Y@LY-@4CZA(0_C*P0&$-0I &P->^N<HG-O0!BU\48\#Y6[J<YXQ5X&"
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MV^2G'2"QMR1U@,PW[(SU7^L7"[@!DB<8=4$![G6W4?3ODK<L$> H\GTD UH
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M=<W3\VQ>8Z-[/BX>-,N1S\9V"*HGSH;' 6F+2FA3:OW?#@;&NUW[3X[Q_$D
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M_'ZRK&OO#KV?,\S1"3&LZ%KN:"F>*%,<3T'+Z*FF(3O(U>U6P%[:4E<X:75
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ME8D]4ES&QD%<=)XH)%RC%RWH>-<76E %*3[C[<[H7SY[\IPG:O6#FTIU(EI
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M#JGQ^\AEB\9\ ET]^'0V?XR<%\EPRD2_3RP!FE&).<1Q9(//1HQS"@SQ^\R
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MG&N-<)ZX(NK/M)_(TLJ31?V+^SCA;?^,/-R*2$8G+9H'IN),1X8_'OWDVD\
MZJH#ND\2.1.J^C-.DD]U-8JRPL^Q\@)#,:@C9?JD6 %5$#P'(EKF#='5))+Y
MYE$H(G4!N@TSB?QQAOP\[2@#>C56@G-]GI>>1K,Y]X+1(<1^T^RJNN7(]X[L
ME>@5]][@(OI_N+WT"K]$'9@XIY!,)BO:;9S,;2;\EEA,;+2N,#IFC48^G)L^
MT:_XLT3UO&],[*;VJ(2+)>YJ_"#SLS$#)8YH?TA:G461NZ'HX/3,>*J.^TCM
M!>;"DXMHBG]2_X09KTG'I;% W><EW9ZHQ@0^"#PQ(@T,3:),5H]B8:LGGKO
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M.@L]= .6&/#%*\$4D#0?4<2!\2=N+H&;?RVH=C@TNST+"3>)X/]=^6)!TR;
MYJ?ESWM]TQI8I5\US?+/5RUE=<QFJ[/54JL_;P_Z^]K4L#E8N]1/!"\.,\ *
MHO&_7[5?Y9S$167CNFE80-,_/?>SUNP'_O!FB<LN8I C;]^79/#<'2'>)DLE
M#5E F5%OXEXR'%H%.#Q#&,N*L@/:/2C*:T#@L_'R50YGKPXA,38#06D!"%JE
MZ[N=+PB]1;)I/0\EP1#A]-< )(.:7AIXW +\FD8)%,F]7@[&$T"P:7:MA=8O
M AS[ 0%^1:"H+@C^M@'_>/:ZE#*6RR*D5E,3TDL8L/!4[,2 3\][98&/9+[\
MWRNOUKJK40*(6ER ]G#+"U".\2W(?*4B\^R[MN97=46*U3\!4BY"^;I%,Y6<
M:$LE%T:6ME.8AUI:OOIR9:QF--EJ6SLK74=A%7M2;>J&EO[ '&S++/:!EJ,J
M"C5B%H<SXNHIRZS3R#*M8#QC/Y],P?B)W*V[1!TZA1ZMSWB"JQ$)0'/C]UQU
M^+2L.E0G"EV):,'*EG%EHV!&<]&59CYC69S8F=C!0][H0 DIC&P?>7E\?:)$
M@%?'CD_ 93>;/+*V38"BVS&M7GL_L8"6V1GV]A:@V"[4L693O4ZK:IOJFE9[
M_<OW&S6I\L]J$<FX(T9#R1[;N-#J /]S0M.+ DYUP,(Y(2L)-7:JBYWU,>P-
MD;6AX9^=\X"V_^;*/!W_#4YUY?WLX[?/&/**S;EIH*C.N-_UZ,_<CC.%76M_
MN1]G J%;JK,_(#LY?<;'*C? 7K?3-9^=(0(;*LF110*Z:IF#9;,2\[AQ >!_
MUMLWK;<'V?=F8+S>(]/=C_BNX'OV%,4CSUZ_XI%\V6ZY.$'E^F"I,9?X_)X"
M/=PIWJXP0:D=PU[B%B_U_U?JI*]?=+SJAC6L]J">H29-7O4@+TU=I\?"V5)7
MJUO?G*_J2_>[O!4$UE=BR:6=L)6:XOEE"EFM;86CSMXZ>/;6CLGG&B6'NR;-
M4UR3BS&R/F,^0W@UQCP/T5N ]_62)OP%Y=X/3R'P=6+<6I2T-$HJAI)3&%T7
MHQ7?JO.%7/;(_'"6M_U1.W&^1!R>DU%9=KSJ7IYMV5E%]$M-7'4@+NI'V+JI
M)XF=L0ESBDM_[G7#WZBL)U@9<]Q6/7E!!7VEX+*U-W;#@U?W=K5[.VJDA^@8
M<)P @2;6NA+KSD&%ZA+K&9NZK9/$KX]=]K^0^G2%/[ZV6ONO1]LZ,$0#W7EO
M;?CGQ97X=[85;%J5KYKS2V/DX)?D%"&[8S=;J!B+_ISU>);&EU_3#.KV<W4C
M9ZC4Z)!*U5!2UT2V,T;)*9JP/2-59!<"X+ML-0+K\BM]V$.9="?UQJ[LR[;7
M-I[GY-K:[N#5Y9B=7?,93^S:VG@7VP1$-1G7E8RM3H4Z66OK_SECILZ]%JN?
MCO2%S4(QNNWR6C%;'6V550TEVG=1-92< B,7:4Z5\]\-M1+1I1!DC>&&*?8\
M),WDTM74EX&ENI>RT]DQYVP?<*EB@JJ^!I=X#:SNCO':NEZ#L[;TMG7)[\W2
M6^Z071:.Q:&8ZK)E_8JOK,$)8K;4Y?F-=:).42V,SJJ &I@]@L*''XZ?NO"*
M3W__.\X93FAHKQ?@!$H:0_V'^=5XP*'9 767MA_XO.HU<Z-KA9!3M>Y:B9 _
M@ID-G&P6>0#G&<XAY@VZ5\\'KA6\VU6#]WT@+L DG#(#QUWC"'@L\DJG.-8]
M<(V0,BTHDK+_*<UU:TI/H\%P\OQDL;'\4BH*=:;'']'8<@8'<HVECIEK^LYO
M0MCGWG9^T#:[G>&^1M"VNGMIIEX!%9P6?&F7VBT:C5[$&+!W7-3@X&EY3[FZ
MM]2BM9"G]6(E=VVKXSJ8<-N98J<\VLZ1M=TT>''42QF-A:LH8K !8A&U"_(<
M8E$YZM0X&H'_BR=+GBKW\914V.GUCNFQWI@**Y1%=>[N];L)Z%#L*AR/=PMG
MOLB!<DK:?S/L+VD@9\5\3Q&KB>#9,8N0OR:A$54@8GY2$FMO3F''8:RU9U?8
MG=Z8V7/D5ZI81[8MJA[XT,O<<0._OG+#I^7TRS/G;^V>YF][3P&*DU P-R4:
MC=TZTTOC;9TS9VY5-?[;NQG_.T;Q=-QW8\A4-USXTFSTEX+F!)'&+?S15?#P
MWZZZ[&)D]^K>/J@#13C@VS5>9RT:A(L5Q=3KK"6,^+!A/$T\0*&SJK7 \KJR
MK%A=MM.6CEQ#"<XLQQZ498;+J\CZ2_D9;&IF"P%;[OI<$_!<B<T:AWY6$D;#
M^.WWVWRF.S>O,&YF^P"^IMD>HH:"P[0*0&V:5C_[8J5_69#(;[]_6IP:G[^@
M:ZUX0:OY_ M, V-:DC8P:@7OBHTG.T;%?6I'V'O7C;Q'%F#PVS9>9\UB)*FH
M#T^5Z2C*X'M\K#E8?$RE?*7;.G^NH;P?; S/8::QG/@-7\'2G>+*3RQB1NPC
M\N#A"?P7+H0*FM=6:VDO&):#-X81!>?V']84Q-3!V-AR67@6$OM;L;1>,/QF
M_H@] O:>)JL?69K@MO7=*SQV['O6ZRZH5<J?VXR!;UO9&/A)E NL!W8U EK[
M?F6/X8S7MO]DSV.4= HHP)2X4M&U%M*"-Z'T6P/HRHV<?X^]!OY*>>[*1HS\
MF1,^_U05@O6%"?*"S[2;R!,&0\,%4C!F=@S*5<KV.#9^+=!J$G;O#$UKN-TT
M]#6#U=O=\J]..NV]/QA4;%,#LS?L[FE/W?9V(%^UIZ'9[?<O<@#]L)[CF"]M
M 'U-T;27J=G5P<)Y(^M"!M#7%#OK!VGK ?3;GKOZ&-YDS/R6%Z*6<- CXS<8
M&;_K>2\#8+]SC^$!6>9IHWJ?R"F9V?SOT>;_'6W^]VDV56ROVSILJ\A3U4\1
M+*\WEBXOOEU[NX1G^YZ+F4:UTP1V/1*H0F%PJW74G'L]<>JRR*N];8LD35V:
MNC8^UTEZN^DN#&N[,'2WK9YY,4Y.<LZ_;6.5G4^_O[O2-)$+ZOFW==:@;C!W
M<)1HC%0-(T>MH-0HV<3.:S>WG8/S8J3443#7U1/S&1.1PJLQ)E.)G,^Q%\5)
MEAE]_$*ORYKXI,V"M1*AIEZF,T:)=8IV>1HEZU R/#KCJJ.(KJOM?)OW56D8
M+GMD?CC#OH4-2FG&KFY)E#J%MBL78$]K2Z%B&/E?_S5H6:T;C9>*X:7N-^5E
M+0^JA8O??KU,*_/YT=OG;UVV=="I:BC9<9:!QLCA+DE7HZ1B*+'Z76U>GK%Y
M^3GO!'Y)]F/=U>+S0XFUK:]7HT2CY/)0HN.Q9]B*\YO2%JC=O%KL9*&'\^FI
M9)OD4.ZHJ-=U*IF^!OH:+,.C?V&WX)Q]#P.=DE,UG+2Z1W=D5T4!U?,:*S^O
M<;/>@BUK.&RVVD#*[<'PU2\;]WG;*\!V;OQWBPWQJ*\U#J.[ R!YB?&)VFKN
MVI=UR\Z &RUT $"]=+*?#=\Z-J;*8-=1Z@88!B3*[00;DA8 ZQ-$#?BMZ#((
MA,EL9T+=1:]8X)YIG\"V9;::^QG/M\_N=WMK$]@VFX-M7W[H3?7,7J=JK0LM
MRP3]JV*;ZFU-FT=I/-GNKL?>B]J++?62$$R@SCUJE%[<V/EH;[W8AHNPVJZ9
MSW/]P4JDX&%:+6^HBZ\<85%FP.S6\.3B(+IB(JB&Z,X0M4H@>J >?B<XX!L7
M%;>(.DIO,X_W3+J-5;P]6\UNB^C=AN8)CPE]RB8P?,()#?'&S.FR>MY5G JK
M![#-"4V3F":Q(Y#8D4+\IP3(KTNC=7:,4>TK9EFK@?3["DR>\M#MYH[!DWV'
M'_-!D$>.=KV @BN'S<Z.7>H.A,P*A,F.E]2A66!-6:#5?]D 3<T"JX3-[HX%
M.YH%:A9XN2RPNV,/%<T"*XC-_HZ=2\^7!>ZI=J[*?*N\H>DS970':&5P4F.V
MU]O'48];N'-2OG_4HL/MF?N)VG&<U(37)*Q)N-XD;/4U"6^G?9^&A"\@P/%L
M-]D7*$C/0Z-RE-89[-LS</BZDI-:4L<L+#F,[7MN%+R;>G2Q%+RC:UM3\.&D
MO2;@PW?QW!,97X#?:/-FOI?F2])&S%;PTF9XQ3#2:FH*UA1<:PK6!%SQAN>G
M<R:=:M;[\YVCGRW2.@LKIKW;Y;Q8.Z9]U,8Q)[?$#_+\61+&20W<*F%74T?5
MJ.,"W!^;-)L^,ZW::K:U7JT-0TW"%T3"6X^MU#2LW7/5@M>V&>HU]6N< +)*
MK^^]I8PW+[OV8^GXU;Y:PQT'3VU\_B/8IAOM9>_E(1O1>>40OOW,AH,CO )5
M(J<LE-/\LD;\LCW<UB34_%+S2\TO-;^\3'YI#?==7JSY9;41KOGEOD8VZ/D,
M.53D? ;1Q\U^@+=$;!:Q&+NZ8??\6?8--GFCYOCHUZ!4#1];O!F.G;"',)H;
M20C_RX><9;_8>61!JV-V]S2TH+#4W@"^Q=B"XN !AT]T6)@_H(#,\ +X#?S-
M-5YW);,7K6>-<11.L][:_*NVU3"PL3$BH?2;MFG@-EQ[;EB&-YW93B(')'P%
MH-E)&C'C6P2[L'EN,DWI<&"'L 7XYZ]V!*AO-?EB!A 1;LUJ]65#7$(_K(:T
M$STR_KJ(36TO '(S I9D9\(7V[-9%/[PID \_MQXW>FWLH5F$7P<8659Q,8^
M<Q* 4!H9?%\QOF>4>KXKWQ0;;AKA*Q*:#I'B)(B_4CM*6(2_A9W"#V/CB=G?
M _R+%] OP_'8<W!\A).$4<.8A0G0"2_VAPTXN&#DQ=_ESZ=J8[]9&"5CX*2A
M3.EV/;XW0)Y+6PFSP](+'=^.8V_LX02*&"=6-(RGB0< ';$$]TF$&].+[D)
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M%'^%7W'^;$_)JO!"S/4FI=7<;LB6!(?8<P<G9<U"7G%W#=H2R:5\0-;?BE,
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MV)74AZ^DLTEY,:SXNF?V"GR>V")WJKALE"S^O+7P<[-$Q:D&/1P1[92F''G
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MEOUO!E*7D:/ONM0K4W'4666HVY6K/<,6]\8]S_8]>RK%HARZ?K63^-^G//<
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M-F&9D*(XYO./\.Y<$4,5<\,06*CR2J>W\L+,V8U\<DS;@0N//Q#.=]R0;3S
MA@/L@^^%;O[VA>OJIA$W0.#X_*<%C5-:>TJTCJ*+(HH'5A[CDZC\.%0.!G*
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M,9OC1X*S3\ N2"8\.R[3ND.\8XPGW*?(6RJ66V7U:V;&TZ58;;S7GK!IQ&M
M4^%! <BI%/4KS)M@G,^2*2K)DN>$*L2=D%S!X3OT0V$29U,:X6MT_<%Z*/U(
M2J)\9U.T,$ .3;UX:B?.A,69#UA>"WP<#1!D85PG=>Q4</I'4#B)TFGB&>69
M,HI7P7_A3*[F6HA<,6RVB%W7QF%Y"SA6$,I!32I?5L C.12N!.HH&&,X+U;A
M4%R;71S3D$O];"6)7,"IPA;7N$=?/GIACXBLPQ2'@66VVGL: ] SN[W>/L8
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M HASD5M _!*@[THI!: 4OW#PFG&930J7\F-3_IJD/1B(<0QJFR.X'4K$5!E
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M+ROUS-YPNSVM_KP]&.C3'?5T5K-;L=,-S'ZWM;>5UN]IPYG5Y3'FSN+D2\$
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M>VYOQ[>:SYV_18/E$D-6*G(ZD7.L&T:81D9"]4(1SA<?T7QQF9X2X8PV@_T
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MJQ]9&@.]A39<\MBQ=9E^N[A%]4_<KN?^]RNOW^N-6W;3[HZ&K--WG9'+>M;
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M7^QM4\$JRB,^$=!(07!#S,$QX@F*R%(:)-G)O9>"/6#V YS4<U%N$F-0S9$
M%#3'B5+2E>U I#UPL4]2B;OZ,KF$O 8=0^@7DF330'UBRIA@%.B<0L\1N2N!
M$\P%II<?E&H7?(;JB>MQ#]]JK4#9#L],"*5'+O,Y"EZAO,Z6*I0,'Z"_#37C
M&)7=F*<DQ3+#1%$.JD!XITY+E(Q(I@"B)'I.8H%5<36R??H!L!C@1N(GTED1
M%YE<[C59@?I2%5!H%6C+D$!251@OYN\2^3AY$I+Q"'1I%]8)@1$^V#+?"F#/
MLJRD!I@91"9T^90?>IB\DRE3-N:U.GA<GVOZ/.@@=\,/^V*8D6"5.B[E0I$1
M2QK6\I((R2 6"FXFA/F])R,/]$F7107M5J<NO#1UH;,Z=>&R4@_*X>-[WT'7
MFX2ARV\4>E61(3]YP'Q#Q\$@'D8E@H(O=Q53"%0W;/XK+J>$PU9R#A /N46)
MCN$%#O3#YE)ELN1E@ILB[1AN+!MO1)KDW=U'D0SY5GI*5(4W33Q?)+VA+B0]
M#<X$V!(Q426VA+:0 >OE4HUBWXJ#089P: VPVE 5%HXGX#]SD.JF\7_+/H8[
M_QCZZ WEA\QN/+Q.<%8;]H?!=_@0P7:5S@ C@1L^Q<:;$4N>&)@15HO>W.YQ
MGW'\EA\&X0=\-><AV4DR'W-Q2:Y*EQU,RG8BB$GN$)\  3%,0I<KVTZ$JNCB
M5LGI-D*U&SEVG'._+.N+K!*NH\3VE.5N(^ZYR.D#EX_L/.*VS(OM["OI8G5\
M.\[=8A>O._Q+>%I$A -S]\J"EMEM>2+A%$:@H^$_8[)[,$5YEHHP:!;$Y+P#
M$TA&Y&?VT0N*&F'N,Q2Z ?J;A;=<A+6% &P H22D4:(Z[8.U*#B'XEPI.#E8
M\.A%89#=0,5MN?"((!6XVV-/.#X7=73%;Y6;.8W<A,N2#^+%I$S%HE-"M\<C
MMFI0%L)5 D7<PE)$*4@B<SCWEBT:[BA_1 82V<>+]--0'E;]B90CP-/+'\C4
MR)""V)+^0YGO]8P&B*',W!S&!&>RTQ/52?"&PDV&@&S#N/OR@<YV^_[NK="#
MD2?#P6#17E834TYR:!F5EXJ9QN\KSUN>/ /J,+?QA?>Q<"M0<\TAXR@YSGF6
M@<C4A541$,K*(HD-ME1*_'Q/(K>"<9\%+(D2(\KR',C/A7@@ / (!G?I"WN2
MH)-G.XN*(504<H,R0TV6!5X$)_JSI5E=\*XW9#+VVA?D: $F%7%7'^6DBW\T
MC#CDE,K%CJ@WL*?(2S=T4)?3UV:YSNW>LZQBZ[2-YK!F:1O_S/+" ."_2CKX
MFE4#?,'?+F=PU%F<4];LOQC6>#J8M\]C79'W@+HD*UX&[NVC@@O!F&/DS*!D
M%1R3(9@]&!XDGR!1,[Z*NV$0DBQG5DI6%8*<EJ:2'F)V6*984I/!EWOSZ]<O
M;PU2/!BJ:)141FQ'.F&I%(5'W(#GP,^S:HY$=2EE01S%_23BW4II49XR2"Y@
MKJ5P(X"XD!$2P[K*;/@8.*L-H@5M\<0F;UC&X(3!H+BG""YJ?%-5 +B'844N
M')Y+R6<$=ID&(B3.(_59;J0P%0"HI'0C\WF(& &^8'\4 W29S8) S'X7L0<L
M7Q*RCP-2*&Y$!^1D=CR@973V\TJ].*92/4XYA H3RU5!+8S"$5<,29C(=U/F
M<S@29.1%[A6N6E"@!%]$&.0,EJ(F6?A-QO\7<R!RF GH$R9X;&PA6T,-C"F$
MHY3+")?0*FH!!?7\F,9'#,2F$5&K&O.F9  E&S(S59=IIN"?RBXHB$*@RE>8
M%&D,C:O5C%BI5C1^MH][?HX'$-\A][)=!V' 7AF3B(W_^]5_;24FNYU7OU!Z
M[N#GG^R,%E:@=#P^WI$H"P-_!116!M[3[&5G&)L;@/>@-Z;F-"H+B%>F,G]-
M9S.>M8\:P7L[L<U7*LR/KH"V^S530&^5S/E?L\SYO #DK*1(GB+Q3+V -(>$
M;XA^'N5EJY0\X?%D+H\;I7;N*@2C:"3]HB->,1NY/%&'>XYSB4Z./VEJ*7MR
M12X1I6:([:&**Q2J7&-!6Q!]W6.914%5KQ,FZK;RLI)2914KE:6751962%]%
M.&.D.I$%2&IX7@6KYB;B-^F,[&PP>ZD<EZ(0I6=JT,^QYEZ5WP1C,JDS*"T]
M20XV]-&A@XW.,4(W\O< T]9@S3PMCA; /ZAP8H7.@&THL"\,;)ND?AND_CN)
MP+L<@7%6R3)H&*^VX$.O#E2B,*Q=9<+?P]!%-\-A"\A.G72517Y$KD1L/(AS
M$\FC-\J+N,$C\_7L($@IU O?4VI5 G;F VP!_=B/F7_,PP-Z8T\8G,(")%<7
M-X!EGX9"IXCE+ :TIM#(]-74!:RA;&2./A[#C8$O/.7K*X:5L*L>/6R:P8/>
MH8]FYM1+IPWR%/);P T4LF;A0Y;OT1N##<@P;3%@Z(6#Z\*-S;QO!-^P1R91
M(")"G%WA"49A^%W\A(?V@,E-T! #2,9J^PS)=,E4SL&_[;6L$*V11G=+\F)5
M0ZY"SD)&-]@L88&T./!$6MTR*>7)9HS<*\"" <Y)Z'P';)/?8 'YW#U(^.<F
M/#:?REFX\)C;A6XL5*C$-[N8O*YF$\2Y0P#$6<PP29W"J&,/?2</<O,,$_ #
M1\K-S"TBOLZ:47&9\V27$!CY9>THFN=T")\6G;J4T)'(I/*,]L0=PF45*YW'
MCM%U_\-13/J,-8@,C4)<,<M'S#.G*=$9XTPBSIVS%O0Q*#'F)*_BCHTWK6:S
M+Q+WO#!Z2YOC3=/X?>#78PTYV;&$<^YQ6-REK$$H!;-I&+>86<)O=Y$^\RNJ
MWD^*I3QD3FPDX6@98/CUZY8I.J.#'N;3R[Y(F<Y-^18(]:_I=(HR&1[XJO2/
M4BJ<?Q=)_*\(5/Q)JP>/WH,T#QX\U"EN2>][M;,RD*5GYKF;LLQBE9<M.[(J
M.F1H?C<FIM-N-DR[Z>ZW8TAWF.ML)TC;^>5GT49!XI,:<U)"XRQFU_(O-ZX7
MSWQ[?NT%!!)ZZ 8NSP-L01 ![F"Q+R<BC7^=;\YL\@V*F4CBS>)K$[[Z:?GS
MH3GH=4J_:9I6Z>>K5AKTS6&[MW:I9R8V;3F8B1__^%T;",C(D/JW.4M8W?.Y
MK/%JW^QW*W[ A30D%_.2LC*Y]UZ,#4UX$LTH!"/Q5RZ(L'G4!IU;Z^S.D)$T
MGOW$>U:4.R@H,(6=^7@P7*0=+22H" E>#'=GH2 1:I.KSM6<*]D79D)*%49X
M0./@8E?Z'^)K"O +ZRB/7<@7<<5/NBZHQDOD^!>S6(6/)KY9ULS4!#A>7 )"
MG[?\XUT3R'[($KJP;(P]S!M*NQXEV:-1Z&/F>Z#*NGAJM5]J8[E.,CLNKUZ#
M/0KDD-XFSD@*=Q"PB"NZ,2F4E,?V &_!0DPF$L<?<[WK74B99:BMP?MYE9U0
MDLI[61ZX14*W?W)7YRJN\4QD06$0JU.4SS&'CE3QO)N&%\#^DK30\FD<.JDP
MMHAA4.[) LLHWMO'$/5'7M7*;:"%=@J2%2B--4WC[AFVDR_"E6&*N,=D'?@^
M$YV=</7\.,H]),N%*IXE>P.E7V8(J6UDB^W\,J8AO1:\'P)F?N;6"L5Z?;)1
MR(F2-X21)[AB=A0LM'+,OAO!EY0XE'-G$83G>Q#0R+PV:%JN6+B1=8'$'"1*
M YZ%6=]"F]NFO+*5^%""#2OG% %?)PQ$[T[9^(7X3I'M4+^)G/M/P\##/.8B
M713:TP1D V*+2&K$!=@)>$MJ'BJ/0^%G5_S*:M1^4?)X/PBA(\:3=,EY)MQ*
MA6+<2T^:Y:$.JDIQT[PV8\)\ESJ9>@%(JD0@L9!V0R@6'UW)E.2\YZD$OW*7
MA%?!28J9L\4D4]$]@!/02FTCNX=JJN#4QKIF(/0T G:%7A7E;39<F,ACO!-2
MEB675Z7E*9U9+SNL@*>T'RRRQ ^XA"#7CSRY*,',DI/<&X !Y6CX\BTW0'C3
M\"&R9\#[:!=4X7F3"6.R[R7E"H%=]BJEQU,B>D+A7<M;06-GVW+>M9A16<Y1
MLPWQ2$FVH8CE-:HA]0M IS"UZ:B$=%PYLO=H"<)2PW8+;%Y16U%%DSW+48;*
MKHS"$W=MO+'>8G,N4#)3(4)Y$J;0@^4M5&N0"?&8Y46)ZS[GYIA")2^RR B_
M,=ZTWM*U$2VZJ%D-&4>QHG\N[URZ<V"!]EOC7NQ(C%9 -8 K 8GHX<.E&/U(
M*@6C",AF@N67N!3WTYZH4.$D'1/7*9GW$M9?$-9?%6%X*[.3CMZ7ZY2BZ'ZE
M<H Q;JY!$/'!37_@'$_0LZWF/_+N_(D: <\2JGF^O>@HEW48^J?4I#[PT1)O
M/OSSP]NE.J4%W44V/3(-^#7/U!Q3FJ9(O X895?&,JUOH:[,CB?&V,<B(G+0
M2W5M6>=;+M(4A:1"$N+;B;8:HC\V!79*]]HHV29M7L37Y>\,JMW.[<HEA9,K
MK4)*\KHF\:CH;D+8(+&FH,'-NY[]^NYK6>II,4[ W\=35N.L'P[R$<Q0QV:N
MF= : 0^*RQ(:*Z+-G5Q O5-+UQ<3(]7X@B=;P*^NU&@LB##9@9=G>F"_(KQ<
M__S0X M+F:>H>PMJ1Q "<5RO1IYP2EZAV_&ZWRKZ(LMP(-*VCNO3[C7-5KN]
MK4N[TS<[G?96/NW5ON[.<+@7[WAG8/:Z@P-YQWG<YCCNX\W&=]UE8J$@DF/C
M#?D6\WE0;[?PH*O#$>L.H \9!_^=%W>ANIA#;94@7?:MKR:8DA%RXW%S[&P^
M)*[:(+QJ-9NHH#O?-Z"AE<#8D+C.'9AO6F9[^+9DZMZ9,*0K:PMB.4>&\\8R
MV]9V"'[VSM3BX/]G&\P?C$W4"F1O0.\:G#$S^#_;2(XS90:=3AF"9:3^%,X*
M;A(M_[EW(Z;F3IUOPA6B6'_H<A">D<+T!(>YN3F)3FJE:9_:!'KO4>^*. F.
M%N-U,$Z):=X\'NNSS!.4E45FS:I%+S_'+@MC*O[M+$:(,3J1$$ZQ/+*<",MP
M!C$HKCBD0[1$P46I@5(2"F</=1YLR+U0]S$<EJ0T)I<IH-QC46P 7![B$#7#
M@?H-C^4V1,QI;@#OF_/6DKR9MG#1\2B9F$-Q\=UVBMYKRI3 E&J<)KR+K_8W
M0$BVY#T/KK_Y[?[^+396%>-2EWM'K?+)'J:@LK418'(OY"G0\FM(V4$/ZDT
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MZ*,736.<1&J\^?WN]O,[X_Z]\;/W S?R6SJ%(SG4ZA&V^07WY%Q9KXS G@*
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MBG.S)9;B?(Q#DWC>M3):&6HZ84--K7"HJ;5VLEZ*S_'#?L_!="QO=K0G8#P
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M.!VIG=(^?C<MM.K<F^IL-HF]/8GLW;'7QFF]S4%IU4\H[,56T6RHG0(A@3+
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M<)U7DTYVQ='@$Y<8ID]G,,4:(J6/@;OPH-%V5@FW]=9QL3G$-[JCG&6,-)[
M*1>:S'D^*Y!D"/?B(,%*) F2\P))EM0MCA(,O8B D4LVO17:<UU9I(M76.&:
MC)46^OXL=#JC,XV-"BNN&+&J5]=W1 PK2MI*![+;J\,A;:*G=JL*KXN!0VG-
M']^:KPZB V;C"^YP.O? __?[[U>5--_.H\=?XO47H^/>$E)!5.F<S]OMQVW8
M*S3EL,3Y3:V>['MX5GC(T!"WX@&KKJH*#DHX" &'+'5L*QY4P(,0N;074X7W
M6;=_7#EO-C$4RYRBZ/.6KFY/2B5-GC.\MZ,;M_,>=_,;;.9=L)>; :_5AK(!
MS'DA)$,>%D5(NS;4JFH7*!$B!$*R1&11B'1 :@HQ>N6@??EB,T_Y]5?XX^N6
M"G@[6G@$PQT*T-\+^S272"\X36WQ0REYZL':X:]UGL#:FI%ML&G<41/L7W63
MN^V2;-$%8S/!%8G9CM*L. V@),1J=4#!:)<$BL! J5*X9N(C[O^?FC^)<?47
M<9TTW/1K(&3[:DO])$W6 XM9E_A+UT9!.W=<_T5_(2!QW5=S@MU-Z2[)5J;E
M!.[O?%^?@FU]I+OZ^]/CW7RAFRX.#7HD$P?VX#V-.3 NUI2F[5EA)Z\,+HF=
M 79LD\@Y)^1D2>5BB,DMH@>MRD2T0/;Q:8CH%]"H4$#3+$ /",/FSP6&\5\Z
M4D%VL=G)S1QHJ_?V$VSL_?2[XQ,/^(.8K_K82G,2#=3:L+)"%&GJ" &2#$_S
M#B#!T4@2(^>$D5;9DR2_K&V?HSE\VKYH>*QNS$W;]'R7RMOUU"99\I9;]D['
MDVO,$AVM;.A*5FD:5W1 [LKXW5D!9(/<W1$@HE0Q27SLV]C-!9#\\K8G;=OC
M9$RYU+1=+-W)3/<(-72E&;M3MM32@]M[WHTS'YLVY0:^NP]\<U$]1;_/BPT+
M-$9SG*Y2M$1C0/O-M<J/Q)&6C4C8RLJSVA%;2?A@)*,C72=G!9[,%*P*3J9M
MTEMM-L_16A9?>M_[,^+*T/ NTOJ[8YLKM91T+\-QPYOR$]5FJS;LEIZM(TT<
MD:"2(7QWA@JV;Y-C1\X**EFB=F>LX(@:$:!R[M/(65-UV.0KV7;UL *VH*6K
M-MMHZ7;[LM_JQ4.MJ(!.0Q/6E;3/"TNR]\IQ97L:S+I@'E3EFY/M4\JW3_GZ
M_QZ^?G^2_5-$[)\B+()"?3T8NN/MAI\\,O\2K[\8!]V-,T?\L&P53!@=$YM,
M35G/L9M-\4T'D3BRC4=BZ3XQ=AO9I#9[V.6LU1;"WI:NF0,9"9NPDX1'OS;4
M.E7-\Y+@$ (<6;I]?G0, !UBE()=3)+*_62RA*=.WJD()7\NS066T,@TE5UD
M:+B9= 9( M_ *$.U_'@PF2 @$B0R1&,6)%JUX4#V.3PK1&3)PRQ(8 %6Z2BX
MS/4H0-U?P7)T=8N*P'@9Q*ML;K=;U2';3]#Y1BN[N5GU:VFU8:]3U>1,:1@(
M@9*LLL/B*&ECAJ7,$#HKE&2)RQU@@E.ARK<+%LB.%%9RLI0/9]VG+Q,^*C8L
M@PV^<3S?PZY4/'92U#_;ZF+B1W,@^*1)F?AQ=.F\!7))5/5JPV[SO(9 R020
MPQK%1>#6KPT[K:I,9+$S0<0WGN]L7[=?S+%%%-WSB*_HV&F/M^V1]O,NXGX4
MV\'[:;3!(]S?5([ TC-5MD([*Y!D".C"(%&;%33MD1 1"2)94C4+([FK$%79
M'^\H8/B=N"^@G+@L=$X=U)@CZRXG_M*-)]')@&U%?05&DS^7IF?BGSQA@6JD
M:3RAUH::)L.Y9P68XLT""@"&!CDD7LX)+SOT!R@ F/:9C3D[U29YOSJ.\69:
MEF*&389E9[P2\6&^G5'+YATF*JLJEIW5V]+L/2_L9$6-<V!GNRG3%<J4D< Y
M6""Y-'+.LI&>L+9O2CL!&5[>=S^!'>M^U'YMV*X/^H*7Y\JX\M'E=QK6DG :
M8"<H&5"6,*NBH\!FG&D8$FD+?F@=VO8^SHA'U,4^*JSY@S(F('X([QZD^/K/
M4M-1^7Z<#9OL96XJVWFDPJWKS&_@'J:]A$WAB1F.[7VF1&&_>T:2?/WINSIL
MJFGK[ON=3^8>,!T^W74LBW;D8OR7QG@M8+RDZSS_+,U"-!7=*#L;9%:H)QP8
MCUAT4YDG20Q4[D'AN&2\9BD<!P:L!H!M"@[8<_=0W(7Z216>B7/FG3RL RS!
M-?7/K)-+&NPQ(B9;K)\5.'(I KG @74_O=)GHD2'2.C()W9SP0-K7UI"Y.M<
M>#@=9\Y]L*C!OVW,W![54*'4B+_M1UW+A\;S\6  JB(=/(W_>[5A+ZD[G)'/
M03+,N3),E0&8+#;IUX;=REHQB,$LQ5PADHTD&^4(,&7QT: V[ PNPT,C?B'%
M@TNFQ'4)[K0S^:& HFD:Q#8V%TZ4\U.=,.ZWPS[<R"?<QR_!-C)6>/)UGV!F
M%>983=*,L'83BR823"%""^BSHF*&$E"6BBU)11%D4%DRJMEDE*Z*55>%HK_J
MIJ5CN;OOP([,YX[-9,K,L4!$;TA4D#KEN>J4^_=EC +$/3LW%&]/,;A]UCUS
MDL;;6FW8:B5;BTIWA^0IX7EJ7^Z.W3BIC7.'JFHG)P8[28>(9+2].D1VX[1.
M;=CI5C4 0&R7R:DJQ)1V@4I,=->&-7G*@KBA+CS3W:(!O?*)[&E;.'9\WYF+
M?I04>_=,E![SI;>JP@_$?4)H;%6)U8T:\5<.M> VJV=(,SI#NK5AL]%*^EWS
M*[Y[2N?GE*DF.T2RTGFSTBZ<-%CCI!T9"$=X-<KG0HO&116IO)*_+I:_5A7@
MW1FL3QFLJD2T_3'8A;M^OYC6$INN5:SK)JT3#6AC.$MT*9_["5+PY84^0@ZI
M[7(LIITF@]+Z;C&B[%-45^/LE?QTDORT?Y5W,Q=UFM4HO9*5)"L)\-8'T&ZW
M\%*K&OUV_[QT:%>N&!D,I7VSE1P*)Q#D*?CFXD9YCE)NT5%+EEL4V_YCE.A)
MGCE?GCE@Q45'JZ3B0BQ^R;$,R4J2E:JNNNBT*ZFZV#,O741+KWM_QCRE"Y?,
MB.V9KT1YT4V;:Z-UQ0;-U)EB^XSKC.Y>97LP7>+U%V'<W,QT^P4;Q5$P+6V7
MP*K^(H:"$%/00T\F2]?T37ABE+@]=5S%@X,C#D'\G[_M15&F?' 39X.4-*E;
MQWV"%3V%RWW6?Z8=;]CB(CE"XN,GY6]5SGZL<L78=2%EB &=95-HT9DC!*M<
M=:\V;">3I^LX?6=!)CA_V'HOT9+P OIV[$:L?X4L_)MCX=[\"A(#*7AO1S0;
MN:8'7WVA(Y >X%4< _2"^^D&6F)O8CEV17AT%3I\$R=8P<-W'SC#@M^4#MB%
M/1X28V)@+"EPC@^R;K-L6<\I]B\ZLFZ)C:40+*BR+!S/OW*);[JTME)QQK!4
MUM_Q^.KD UOHR#;HKQY@K=%2>6>L!TL/6E$^DHFE>YXYA3VGDZF,_RX]'W^[
M02WJMM)&B!Y0^]S["ZJU8=)YP'35PYX=!WE;;"*:)&=E6FX*UY^ C!"6:2-Z
M9M)[FP1IXZQH$0;8R-%'^U.'Q84?;=)9/EM-(D^, _"@<JXB"':K&*M9!0XO
MVT=+@P& KXGNS92IY;PI,V*\$ 'TZ!M8T2TLZ#=<3V"TI4-N \1ZM6$28:@H
M']3+4<V[](%=DK.8/AY+*R[_0@-XH3VJO:?I&CF <W<C]493G[B)P]PV@'X/
MN@O'>0H5>\TT4TUZ=4\85B6TV.I@U0)8535Y3N)*"%R5B1Q6!ZQ4UY)XS><-
MTUM8^CNNDFR&X:G\ZL)K&-<QJNBAA42S( PPK6Q0Q<?,R H]W;"']O'5\,WF
M'8Y8&MW?W.6V'-,UP1XV23NF/[OJ-\P]R[K7WCS+^EB*_?[)W=FOXG\![AZQ
MR'SKN-^)'TCE+2Z?7K<"X2L]CR)!L0K?R%&@V$L[A"043QB*HDF__%CLI\7S
M+\ 1?F)JNAW5<&YRFF-QI[4T0)?GCG96[+FBQ!=+MZW89L[GF^T-4L.#A]/(
M2ZR]WTRS)H1RD^=\D59MF!*BO7 '>3GSMV+"40_4!NJIM6$[):U'.B]/$TK[
M/LRV04E+#6-*) F#)#'%RC9(8?I9\G02SP]^'DG,SXZO6XJ3OQ2SO/NK1&O,
M$^:MW0_IP#Y[<%S*.[[OFN.ESYJG;PPG]=&7F=0VA6J5?F /P]D [^ Y0CM"
ML%L;=K24>H#3A%^Q!L$2F =1-W9$9J\V["8;JH@"S(M(^V2:QZK.L=*'+%OK
MR-F>@S5T2W3HN+RI-%5NR[D<0CG/H)3C9XO?O(]^\PI<+%502N#&9Y(Q+XHQ
M*W1J%61'#!JDM$4IU?1):*8LNT;)S)*9#Y=?6XR;!TTT*RMNX798;J8*_B_4
M2@ETVE -'_YC[/XR7%5XJ]?16\V RO2.UR8HX^9D.]U5I/L3(8H^0;5=M]]A
M Q3;\>%YOJ. E89TIWNDXV",J6GK]L0$+=\+1DU[C<2+!:_$GZ+V8&$+QS.1
MIM<NL70,)WYZ,PU_%D O=A6G6S.Z1!_#"I;^YDMB-)K DHA;V[KQ69?M@21;
M"=!OKAE#L?_B<I%+S%ZW.U7UIMX9#TB[9TS&!NFV^KK6:G=:TS&9_H_:&@R:
MJJ9V>KU!NQ9</W.CQ(<7<C5VB?[C2D=G_;5NO>GO'H(WMB=STPX6U^[ ZM>W
M?//&YM[>#*JL)FC@T15\XK(]ZZ_*E .1KI=*.KS-'X[[0\&1EWA@OBN?@4,<
M=U%7X-C;S!NBO  L/,;?X0!Y#ZUT5L:)>29*?);GWY6O?R[A30N_V\9SD!Z;
M$?_3 QHVP-(7'KD._O@4)/J;-GT->M&GN>Z^ &3YH8&(73^?<3'LZPC,C28#
M-/?(\"?SKQOPU2_)S[5F8]#JI7[5;+12/]]TJUZCW^H7NM/FS[5^NY(U=1O=
MMGAK&K33OSG>FCJ-7J_HL_>_IG9/--J)N*9!0^V+AJ=>H]M7M]XIPW=<T$6\
MYR$E^75/YMD#V0+/L5@S+?)S0E GQVDC"D@D/>%>*_;^3/H<9@=ZN6PL.DC%
M4^Z7/BC0-JZ[P!MF- K>%0B'U$KR[=*#2Z;$=:E" GJ'\N%!=Y5_Z]:27&_/
M"MTTZ:8?MU;OOM^NFZOA ^GSX&GW+E6%#/K0Z*Z)R3>#UFZC=WI[6Y"*P^&:
MR32!+:[KK [<%X<_-K\^!7S[(#5[6&$Z:[L!+XL3=EQ-6T34B7?\/^BF<04B
M[T9?H(A$RPIEGD?-+=CO@P@#\;;ED?@Z+4H.1HY=Z#X\NT3WENX[.WGJBNZ#
M>>[Y%[H;H\ED.5]:U#'!)DNL>)453!:I*]]91L%S+*/@LK:)95W$'32TRKOW
M:=U-@]MRT#R4O6Y&PIU%-^,/ L+ZJXU%45_(A,S'@!JM55?4)K9_R\1'1:/D
M*\M>ERN3*Y,KNX25';0TX0A2ZK-NZ?:$H$JS?C"K.QW,V>]_P!F]^?9@H[U&
M'5Y>45.-^9)BKJ359C#V<GYE./X5OT>:U=:I#;O]5AV4A;JF)3N@54&7(E.H
M!1HUG8^@A4=-BS!/NB16TY)!U.W)(''=E.FD:3D@6%K0/&Z/WH/.7)=H%^?5
M"J%=JP+MO;1Z>XEU40 AL<ZPWBZ.]3PZ2(P1^K5AO][22L]"ELP@F6'/S-#9
M.S-@5GN]V:ZJR%<R@V2& J]6K,RJF[/.*H\^I#6;.*#C:$-B).0EY'- OE<I
MY+'MO%I!R;*$O(3\GE2>_IXU'JVIHOK?3QDV<QR-YWSBH^G$O_.\)?/#VX9"
M?A)W8GH$X^>W7^YN>,!8T1<+%RC&^E*:MN>[2ZP)*!,_/6,W_4J]>3.517#7
MB1&?]\M\][!>^I57T'.O-;%+VZ#>U-1ZLYFLFZN"4H?MIG9,>O.F^(?L1U9<
M^%XL=0HI:'GD59(9:7;C!E[<-E)!:VX9J2#A=/IPRFA9D!-.2=AT0.FIJG>!
M1(P4#Y(ZDCJ2.I(Z^Y2%>Q*%78%$X;GGX/'B0Y.2B4Z9@'_ZKCG!#'N/E1SP
M!GWPY928_A)^(+/SJC;['\-=IS\;O>FN0;OCW$:[7M@C@..GZ\U>N][I)OFI
MZDR^7.=B7M^O<$C836J)XXV7U)'4.8V 6MY.UMO4BWRG:5+SZ,.!F3()5")*
M,$1)?A>9.D787<UH&K@/+A^D<KD$DY!@DJPN,G4.Y"XH;AUMC=&TFI7%:&2.
M0=[N*3A4GJ4/D)_X-U%HVT]B8%?1=:>#HB.)-_L9SM+W)CVCDCJ2.I(ZYT>=
M*B/LT41L[]D9P4[@'74+VRC=V;R)$O6ICG6/&''!\TC^7)J>Z9,GXKZ:$\(4
MC$<R<5YL>A>J:Z3I"ZW:L%VZ-$^"31X%DCJ2.I(ZDCI'M[:/(455@:3HN<?U
ML04>&["WDPU]L@XIZ2Z4U)'4D=21U)'4$3;'0<T[CQ2D>#0$.4VETFK#WD F
M+ @/#\F\DCJ2.H=('ZOJ9&V+<;*>^)#X?!3^8KZ:!K$-3UGHIJ$ B2=LV@:+
M!7_8:;[+"A+4+3,MPJ<'=[K1O1DZ0E)2JEL='&K129979\VP.$M_E/062NI(
MZDCJ2.I(Z@BK$2:-[55-(!3_,94@32'LUH;M_C;!+]$A!CHD[TKJ2.H<P];>
M[6#M"7*P'C0D+(ZIO0@'J^[/VEX=75K(X.[7AEVMT:O6XCY97YCT5$KJ2.I(
MZDCJ2.H(JQ?FMKA7U8(TW1!+=9/SGV1\6S1\2.Z5U)'4$<CFSCQ:U:881^NY
M5SX_+-W)3&<-U>-1[4OIG+X9W3OW4'LD"[ZI*8W4BC9) V5EV*JKG5Z]HR6;
MI"780;H/I7-74D=21U)'4D=21Q3J%'-/Y&DYMD''V%3;J*J@1:C'CV%)I$@^
M/F'J5&D*[\3&FAAL?.[5R??^C+AH#B]<,B.V9[X27JT<=AOW]9^R<EDZZ21U
M)'4D=21U)'4D=21U)'7$HDZ%Y@I5B6_B&G%4GTI;'3_K/Q\<%Q\S\GW7'"]]
M?6R19^=!=XGMIQDS[=I0E7W.)90J@%)'("B=>\3XLVZQ<=R^\H5,R'P,IK+6
MJBMJ4]7*A"/'CFL0]PK>ZQJWW7,LTU#P;4XJGEPPG-R+L\K=]]N$EXA>=;_T
M/5^W<1,*QX^[M6%/5>O-;K>N]9I[G[M=#953S\0T+C@FJ?]6U.V6\]U/$]]I
MD0PUAPMTYEBP*=[7/Y>F_YYVMO=JPTXSF0FTFXL\]R%S#.>YY!W).R'O:%7P
M3A\.?\DYDG,NBG/:Q3DGCTX58ZM!;=BOJ^6'=$G6$@IEDK6R6*M3@5#2FK5A
MNRT5.LD[)\\[Q?*ZND4FQV9R40M=7OWRN2"2@<3 DF2@3 ;J5<I :FW8&91I
MH2D92"@L720#%>&?!/M4;1=I&MI%6E=\EP./T00K"+94!;ZI-A:8X_K86VKP
M*H:S'%MD]35WO;5<FER:7)I<&KOU^02F>ZFR\ ^BN\I7VR!&(C"M[JU.5EXO
MKY?7'_;Z<R\_V9)AT]KI(,M^_],Q;-+S:-3^OA-IM'9MV.YVZLU6I]Y-<5]7
M09A<EGO>%,+3M<_3WO TP9KFQ<J8'Y[/>=6I)"E&G.19B?;S1+N6IY@]$^U=
M0+O$NL2ZX%C/4_%=SL':JPV[]9::[#8MF4$4Q$AF8,Q01>ZOAOF+;5$*.R3:
M+PKMA6+36B)=MU1L>E ;JNTR,R<DY"7D]PWY1)YM&<BWF[5A/T>#2XEXB?AC
M>6[Z^];OVRW0=^K-=EL0C>=\(H;IU+_SO"7SM-N&0GX2=V*R3LBW7^YN%$9#
M15\L7*"83O%AVI[O+N?$]B^E07)!1_P@NS\R[GI::V18+_VJ<(_DMHJYL.WZ
M8-"L:ZVDVB2;),L6A.="G4(:6IYRC20WTNZ#,69,BBD-^*VB'#\)&)$ DRA1
MV DP!94>[ -3;S:3M0P244(B2@H(21U)'4F=\Z-.$5F9)XVC<E'9H:*RE6SC
M<QQ G7LB'K-+%9.2$6FEP#]]UYSXP3CBL!\T?#DEIK^$'\@4O:H] X_AKM.?
MC=YTUZ"=XFZC72_L-.C6AEJ]T^[7M11^JCJ;+]>YF=<_+!P29!=021U)G4/$
MW KU$-B@?N0[39/*1T^,B8P249+?3Y@ZA=@]3\EVQ5S>3^5R"28AP219763J
M',B=4-PZFIH_B7'U%W&=M!-@$.)*D&/@W-,0L!<ZL3V684!^XM]$<8FEHYO!
M=Q).!T5'$F_V,YRE;TYZ3B5U)'4D=<Z/.E5&Z$?&?Y>>C_EIWK,S@IW .^K6
M@VX:=_:-OC!]W:(^U3'.G(P+GD?RY]+T3)\\$??5G!"F8#R2B?-BT[ML&DK9
M:=:&:K*/F@2;D&"31X&DCJ2.I,[Y4:=":_L84K0ED!0]][C^=^+S><YRAK-T
M%TKJ2.I(ZDCJ2.J(H)II&566(+NC<:%IBI1:&W8[I3,D)30DXTKJ2.J(3)T*
M+=[,4U43Z50]:$#8,%^/0MTOYJMI$-OPE(5N&@K0%^@S=VP> _[PMVWD?R N
M=5!LA8&ZCH(;^@":11 ^/;C3C>[-T &2DDK=:=>&S49WVS BNHDR4"V]A)(Z
MDCJ2.I(ZDCK'+23(L+)#\1]3"=+4PDYMJ+62\YX*#U&3Z)"\*ZDCJ2,D=0J=
MK!F&=MZ#M2O(P7K04+ XIO;")5/BNF'&]3ZL[8?@&<4-;NP#KC5ZVSK$%K>X
M3]8/)KV4DCJ2.I(ZDCJ2.L+JA;DM[E6U($TW3"_1E87XHN%#<J^DCJ2.0#9W
M]M$Z$.-H/?>*YX>E.YGIK-=Z/*I]*4W5-Z-[Y]YICV3!-S6E@5K1YFA=K.FK
M:UJW/M!R#.60[D/IW)74D=21U)'4D=01A3K%W!-Y6HUMT#$VU31VL:8Q.<M(
M)@>(AA3)QR)3ITI3>"<V5L5@XW.O2K[W9\1%<WCADAFQ/?.5*);C>6&/<5__
M*>N5I8M.4D=21U)'4D=21U)'4D=21RSJE+-6-HPSH*KQ35PSCJI5::OC9_WG
M@^/B\T:^[YKCI:^/+?+L/.@NL?TTHT:K#3MY8AL24!)0N0#5%@10YQX[_JQ;
M;&:WKWPA$S(?@]&LM>J*VE35,H')L>,:Q+V"][K&;?<<RS04?)N3BBP7#"RO
M)*7=?;]-^(OH5?=+W_-U&S>A<"2Y4QMV^ZVZVNK5-2WI1:HZE%P-E5-/QC0N
M.":I_U;4 9?SW4\3WRG"H*7F<(;.' LVQ?OZY]+TW]/.]2Z<Z\W2$U&*'C+'
M<*-+WI&\$_*.5@7O]&K#9 V;Y!S).>?,.>WBG%-L#'"W7QOVZRVMJC' DK7$
M0)EDK2S6ZNR=M0:U8:O>;+<D:TG6.G76*N0Y:Q4:+9NE^?4P@5RKH'^!9" Q
ML"09*).!$AF4I1BH51MVU:2&)QE(,M#I,% 1_LFHCRZOV_54-)OZ*:F,HNEV
M/(03K"#84A7XIMJ 88[K8V^IP:L8SG)LD=77W/76<FER:7)I<FGLUN<3M^ZE
MRL(_B.XJ7VV#&(FX=6MO!;7R>GF]O/ZPUY][G<J6!)SF3@=9]ON?CF&3GF:C
M#?:=9]/3:L-V5ZL/FJUZOYD<Q5 %87)9[GGS#$_7/D][P],$:XH5WFY6$/?O
MM2O)F1$GPU:B_4S1WJH"[1U N\2ZQ+K@6-\A&[*@@[5;&W;K+54>_)(91&>&
M*M(;>SW0N0>EPPD2[1+M>XY-MQ,YB:5BT_W:4.UL&_<G(2\A?VS()W(%2T%^
M@)"7B)>(%U:ET?*T?BJEW_>;J-_WVZH@&L_Y1 S3J<^<PHKI>4MB(*T4^*?O
MFA,_F$L4MH:"+Z?$])?P@YU:1)UL<[2"COA6,[N3\AW=[V03Y<=P\^G/1F^Z
M:]!:\=MH\XNZ[?O8(K'>:77J@_)L)1OR'09SLEVBI(ZDSB%T^$(U"<ESFW:T
MS'=L)Y4=['I9QL:5B)+\+JE3B-WS]*"NF,NU5"Z78!(23)+51:9.H6*I/&DF
MI5@];H=-S9_$N/J+N$[:$= .@27(.7#N"838=XW8GDY10G[BWT1QB:6C7\-W
M$EX.14<2[^;8R.O4%(Z;9)=+21U)'4F=\Z-..0_ JIXP,OZ[]/PYL7WOV1G!
M3N ==>M!-XT[^T9?F+YN4>_M&*==Q 7/(_ES:7JF3YZ(^VI."%,P'LG$>;'I
M73:-P^AW:D.M='\0"39Y%$CJ2.I(ZDCJ'-_</H88[0HD1L\]D^ [\163-CB_
MK.P Z3"4U)'4D=21U)'4$54W:V<TO@+9'<TF25.D>K5A9] 5)'8AH2$95U)'
M4N?HQVJ6R9MYK/9%.E8/&A(VS->CD/>+^6H:Q#8\9:&;A@($!OK,'9M'@3_\
M;1O]'XA+/13;<:"NP^"&/H$F$H2/#VYUHWLS=(&DY6T/:L-FH[LM/Y#NHHQ5
M2T>AI(ZDCJ2.I(ZDSG&+"3+L[%#\QU2"%+UPT,2X15(O/,52X/-&A^1=21U)
MG4-,OL@PM?.>K"U!3M:#1H/%,;87+ID2UPVSKO=B;S\$#REL<@_4VK"K-7K;
M %+<YCY97YCT5$KJ2.I(ZDCJ2.H(JQGFMKE7U8(TY5 #Y3#96%26XXN&#\F]
MDCJ2.B)9W=EG:UN,L_7<ZYX?ENYDIGL$&[;%(]N75=B\&>2[MVQ[) N^MRE]
MVXKV9!MT< 9XNZG66\TR$XREKU)DF2:I(ZDCJ2.I(ZDCJ7,(3TB>WF8;U)A-
M)92#+B@J L3+)%(D'Y\P=2JUNG?BXYX8?'SN5=#W_HRX:'DO7#(CMF>^$L5R
M/"_LHN[K/V5]M'0'2NI(ZDCJ2.I(ZDCJ2.I(ZHA%G9+FRH8)"E0WOHFKQE%U
M+&VN_*S_?'!<?.#(]UUSO/3UL46>G0?=);:?9M7T:\-N\_A110FH<P'40 Q
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M9T%<W<?  ]+XU?1-XEVG:VJ'U/)/Y/H]:?SLD-4$/F4?$$(>GD-3QU4L!Q:
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MJIW*_+ G9ZB>LH1] 5)3"0OTI/6PF A41LI>@GZZG:,"[KFWGV!3[Z??L1W
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M@A<%;8* &,0C%-2(*7%=>!8(2]V++Q$OX.O[V%"49_B&KQJ?-R.Z\>=2=W&
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M[#ZX$[@9H+TF'T-/Z$#9); L0G44S$@R,?"*<ICEZP2./)?JVB#Z:5PDIIW
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M?HN:Z[H7N(39-E"_?K=!K1\CMC:,:40_I-N .'"IHY.'^\!*MGFJ./[<=OR
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M)]$V&"YZ&*F++[(OWW!J >L_%W@U@F#8ZFD3"'$\26F\3GEQ> ] O+.PXN^
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M9B06YQ$=WB>P3B,(KE3OXM_+"7?Z\1[_P;H<F8V$W\Q6Y-+\G[2/PV)OOO:
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M,.43R?.)J"L94.()ISD;BSEXHET5:[+'2NE"8$U$+)D.DZO,Z(B-U FM$89
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MO'*$GA><A[OT.#<N@?5=+FAOK!JK5<%;0(B]696+/D]H@>8W9[\%52S\R<&
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M/WQ_0)\T&/ ZPO[9%RLP!#:3N-2*BXS]#WPG(U&BT-#\J2A :&^>X!X4>Z
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M</H9)[S_[$P\I!MM[01,IPM^(?]6)0+0A(PO:%9K"EXYO&(,*H![?\E2->D
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MB.,*\:(/,R5,GE$H*U5X%8^^\/YT_ 7B@^>ULE]4Z?JA@V"7V*]J8$U&G.N
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M56.ZI(D@J/W'-%T=H9VF,^<5OA-O =+$P<H]U0[)"U_(*O#W=G$(RM,ST%<
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M%Z/3DLI!RJ2:<*(S4]N1J0:1$5@9;ZP:JU7WT7N_B5 +'!6I&$S7)?=3Y#+
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MD(Z>2VKKTBO3K7 ITO)7S7BH&8_@9WA+=V4X(U@1H9WH*:C7,K"LV3RK3,Z
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M(0BY /$_V2\@UH@ [-W/8.W6U&*3=ZM[)X""EV#Y[X$8C\CH2:S\_D6AXB]
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M.V2/I70&6LW50(LO+[4FA"5T77HR9:F=@:P@&H+:_4"M=)RUI:$9K9H6@8_
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M+3/S*Z6G9GY^K"E5Z9E.L::.?Z[W#3F=4GMJ/_NKG:8R'#W7\P)DY85^5?T
MBT[@]3ME]_IJOV%]4K6>8YQ^^9F@J&;%/N7?NB7Y(\#*20_>HCPI&4X,-CF\
M:))/?7(KH"L/?8>A*<%PX62P<A88Z)GXCYN2QZ]@_;*GU/P5PLDAB(LUWIT(
M-8DG7",KMUC+BR)O<>"KGR_FD].'=)OWRQT4 6XOSI/9VVXX:JV 78,4/B_]
MV$M;ODX6])8%\!4;>VM"]-"WK9K$GH=G':J"M5\;GKM?3BH*HAQ1;G-,9CO2
M* >6<GI,G$DPS FC-[PVK_PC#"(KD57>^JC5MSYB<1NS=$H+6A\;A3ZBW%G*
MZ8W,-:^I>F>@VUU%.18-092\@[11A8??&F+*-%SE$M,0Q-2LPZQS3:MV>1^Y
MZSX$LQD/,?L NL;XZ(WKQL=O,^ZK='?FDF?49V6:8&66WB-F8[36Y&=WCRJL
M;EK100,646DXB*Y[G$" S*7FS/K4G T0/1K'W R($JPNA)754+NTC]$J7?UH
MY#'![H9A)W-YE0L[1\#.L&75-*M\QW-[]^U?T/DU>)A@JI6D?3;QPBC>1$*6
M*2??;AZAYWY=5H&&>=1*TZ2!)1/N'E58<+J:S8^F=@:.K).G6]S[$!YS:;FJ
M*NAF(!2+<NC-ABC!ZD)8-?1,7M,[ [/K:++NR@AU#4*=S,55+NHP?7]7L60Y
M%=)=SUG</(W^6'J)HWH7,/'"_6"1E/ 4V3>#>12'2S$'=/]S5(NK2GW& =[_
M-.2@@,ZGI"II>:?M9W9 5M,A1)<_M<,1O9%KTW%V9T!G\*T$557NN44-T3ZH
MQ*Z349>84'?SJ).YLLI%G2-0IS9E,:[ZXN<@SW'U_FY)ZOSQ$G8]\,\;#!]6
MSX4/W_WI!SJ"UV7)Z JZNC;D=(/.U&0N*DY5%U:Z"M9PZ?J6=&'5;CRB5WUM
M6D[K#/IT+=]*5#74=-9U#+;LJG;I<P*"7?-@)W-QE0L[0\!.,YL"NSNXL?J"
MI9+H,NJXBJ[*G3J##G@9U933"SHSDZJ!J[J-TJW&8XBNHVK'(P8$U:;E\#J*
M[J-:B:JJO#R+VIGB/LI22Q_[$.J:ASJ9:ZM<U(G[*,LL?6!]H_=1->!&I#^]
M,-]%FK!?!\F.@R6F_Q?):"C3BQ3AM$;=8(!A7::3H>!YB:RC84E3V^P,3<1J
M8G6E59U.;\\-O'TLGRNDJ0QN>M92T@:D#?*L\5I]$0F&UAE8=FLU!+&:6%T;
MJQN:LL30.X.^WG4,R=4 B/7$^KMG?547'44Y;P#GC:ZE2LYP7@?GQ<'BCZ+Z
M949]S;3U!Z36H]I?\RTM3_J GU2.(E&<=,?9N_*WO]^32K]G"2E\FJ?ES'TL
M"\TF:VRFY8Y%[=CCI6R;*VBML8+^2S$#HJ'Q5@8ZCBC'[AG2RI%LME,5*ZVA
M.PF#&8-=. /]$ :O/$QJ*F--;)<MW)4HJNLEE< 783#BD:B /DH+>$.CKOC@
M1.7M:#F,^!]+: C>&O$X]I/"Z/_7G2_=<,4T\5OC*@#)6:6X2'7HX[65LPI&
M4YGF0F6:M:)EFB^2^\V4=S9[AN'(*N]<M"DJ[RQC@,TK[^STM/-"KUI05-Z9
MRCN?&&B;*K12>><VE7=NGBCV*CC?J0RH"C)50::2<_F/->J+Z#>LSD"7%?W5
MSHIRQ+C6,0ZVO57Y&V'A%UG9#J@&,G'U[KB*675K6QW[G8$A*]\-K8[- !\Q
M[BSC&AK08SA@K/:[2O]6%U2B)%&R=H-5*B5-15!2U24'Q5R!DG>06X0J'Q==
MZ>I+-F*J34];3O'0%^IJ>5Y*IP\73 W=CAJ-(<HU4CL>,?]\;4I.;WPV'$+5
MA:AJ:*X1$QV[NZ9"&6Y:B#J9:ZM<U)D"=>4+SE&N$2IZ7('RKB^'AHD)\II2
M(8_2W$I5SO)N:LYL?.S.P"EM5E(.^7;C$<M5U*;E^IV!*NWBG]1<HV#5T#!V
MT\&BQW;YJE^$NN:A3N;B*A5UEH*HZS?&I+N#:QXJ>BQ#B]=QDC#Q_N3CA__A
M89!));4S$-&;VON&'"/0X954%2[OMG%W?U0 8-IM (QNC6H'*Y8D:IQ^U&\#
MO@2Y"R'75!/7@,U\UW&:<KA/J&OHJBP7=6:S4$?EE*F<<OOHCT6_ZCHDMBP)
M+H!T6-<\4*E.53=AEMT9-/N6@2[":H<C%J6K3<?U.P.ST0 E4%T(JH9F=K4<
ML)NUKF8WY4:"8-?0I54J[&PEA5WI_1I=A%$M94DJNBH?[0PZJ.@ TY"C"SHP
MDZJ!KW.-E8$A34;R%+JI:C<>L<YG;5H.XYLHTJ2-J#(:&G%O&UC55BM?PXY0
MUSS4R5Q;Y:+.%*@SFQ++>0?Q35764KZ?E#'E)-,:18.%4&LSFJS.P*ZYB'(3
M#O6(R\1E&5R6=\AS9CN.N4SKKI%XD_MX4@*D!*Z^H%<5SY"A&/H8TMU.Q4!D
M)C+70.8ZG._S' ,XG8'5[]H.F>]$=B)[P\QWJ53O*T!UIZLHM[ZN9U1'3@?T
MZW(&LSO*4\0W:32K<.BZKB\TB?/JS9=)J<ZU'!7G04VF'+[BXZ=X\[%6>]GE
M']]TNC'U@4])4\M7I[G+7-_'TJBO4V\T9:_ $#9*:G/U#@=>I.YIL1*T>U![
M>]R?@^P)A?\S*?7Z:3X&C,=!&'W#[[Y!4S_YP>C[#FVSP-97\54<2+[ $8'.
MZ-QT;=QH.9NY(30291:^701A#(]X 4[_\2JXPQ4;">%N"NEZ:_$>K9"K4X7<
MW<_-GJIJ4DJ0 O--2U995%NG/E&?&M<GIZ=ITHI M[M/^ND^Y:Q&G.UD8-]F
M4<W/:5I+.95%5?,VI2!<?C-$0/6I=XXQ\NZEFCW52?U4]G-F =6+AGVFQFY+
MY+83P/P[5@'YV^DJ("3 (YF%V<^86IC@5U!Z>]G)/K[-3O8A3W8R$FIV16VY
M)D!)(9U+WI"QO4WD6KM61!Q^.DCK<"1# F&Q6-05R2N;N]48KB"KFNB5G*2E
MYY1L<U#Y6 50I.&)WD/OJ>4]%?FS)^JAKLQ*O[E1E+W:%AEF[COQVG1AX0OQ
M8A?;M8VKF M+0^/T^UIGH!M=59H'^F7WTSB)U?BA$'>:,*YBW&EH >Z^CE6N
M;+UTQ"M1AZAS)>HT-("R;V"9!+U\V"Y1AZAS)>HT-*%77\0>][5ZT\@1=8@Z
MQZG35"=>"U8=M:N8-G&'N--0[E25OJ<H=VS,[=.U^O7FUR7N$'>.<L=L:)*B
M/D:$=BTZ*"#J-)8Z#:WBV7> .G975QMALE641+8VR'Q=<.$2@@Y*M=1+O!&R
MU)=<P%$Z ]NJ-]M=P86DUE1W-P*HJ@+<,P"E=@:Z55J[$J":!:@ZKIM/ERMT
M&E)MD\ F'6SUU8QR],Z@_&D>X:E9>&KHI:4C"E^J3KU97PEOTO%6U4U?!J1,
ML+[TTE=Y!*AF :J.^Z\SUI=%UE=+P59?O0?';HSVJM1CO(Z3N>4PBMWYV W'
M%YW*E:J&=AM$L!IZ^^.(VQ]=:\0)MH3;'\);BK>&7IDX6/&QJUL.X:U=>*OM
MUD%7\-9!;XOG!P$J!51MMPZZ@K<.;0DY(CRE>&IFC)NN:)V!T35,6A!;AK?:
M[AUT!2L=ZO76-B9 20=451</&8#".H9D8+4,3[5=+.@*1@DU8\5KN]/<QV Y
MC"?+@^*$=$"=LJ!QMR&Z0K<A;05;'>$S9\!F$]C:"3:[CAN',V#K$]A:"K8Z
MKAO.@,TAL+44;%7=->0'FZH0V%H*MCK*^YT!FTI@:RG8&A<9H:L4&=%6L-61
MN>X,V/1&@:WM?GLBVW4M%4';%W=?3:'4F] LJMW,-#&Z:G0&NMW5+%GIR:JM
MDUI=C@SB.''\#,?[S70PU56S,U"5KB$M9S1QG#A^KQROX^PC#\>MSL#J*M9M
MECLGBA/%FT/Q9J:OUU7,Z-AUU-+A[$1QHOB=4[R9N<)UM=\9F%;75F3EV2>.
M$\?OE.-.4RUUS)!I=C535G99XCAQ_%XYWE!375-$ FEI=0N(XD3Q^Z2X9C<S
MN9RNJ2+1M:/>](F;N,[_,4:I;8J:)J/Y=3F#R1TE_\8Y\>9+5PSO2'7T?RVC
MV)NL4D@-_CH,L?U4!J+EG>=2/!@F &811!XV_!AR'][PPM^_>N-XN@;+SE.I
M;)3M(^X0)+&,CS^RT\&]\NUG^G?L,6E,495S5-%P**IBOBDYN_/G-%QW9^$^
M\X=AR-WO#^X$>OOH^J_N*L(9WAG4S)L_[ K^K<R.2R;Y\PT0UE10=>=!3W@+
M7_'Q4[SYV.@<?4KKJP_JX5/XL;8_A3,W?(:>"^AK^VH^Q5SRD3<?PU0]:D8/
M!E?3?'V;<E DJ&& DDSPBD7+&0P!&HE8#%]_"&;0L97PZ;'?1VP1A#$\X@4L
MF# ?"ZRS*??'J(^8-W\!O879W=EPQ49)D?(_TB+EWKI(.7-C]A&TWVS(PT3W
MZ&J7:8JF/;(\""_$W,SGTH&N62I4%8C<=Q<1?US_Y?W8BQ:^NWKTYD)PXJ'W
MZ>RFU$98OM54^,+DZRUB>TJ"VM03*7US^G4/OOHQXW.SIZI:YE=*3\U^Y$A3
M_9YE6H5:.OZY;NO4)^I3X_KD]#3-H3[EZ9-^ND]G?"9/.^3:![_+V.XD-LI;
MS9DHS7IL_,^PJCV#5<)^P17M:*AU3BFHYFU*X0LL^&&&"'(B(N?&]LHC% T^
M>C&\;)1CS.^\.8/W@$$SCW[(,?&Y=S;-GNK/2S_V'MC/HFDIP\YD0NOD!N8P
M;#1%%:/?.?SQMRAV8TX"S*]CT)0. 'G!,B3X%97>T^B/I9<<)G1A$_7"_6"!
M^ZTN<^=CV*O-HSA<CDX6UR*A9@91,+DF0$DAG5PWJSSX*:P5$8>?YF/8:X?>
M3FA*<BY#6,QE@A%W"W+W0L/UYL._D@L!]I_I$=NG]1';8QX$G3G9+P&MBY*Y
M4<^H9]2S>^A9I1G[-A=%%:OFW]PHRK9^B@RS3=X"6<-KRZU_0QUT-0VKKW8M
MK2TUY8@[[>-.'?D[\W!'[PSL;M\N[3!#U"'J7(DZ#<W2H!F=@=FUU=(!W$0=
MHLYUJ--O9C4W7</D!UVG-46 B3KMHTY#\X9H%JPZ6E=U&E$QE+A#W,G@3AV)
M;_-PQX9E1^MJY2-YB3O$G2MQIZ$1LIHHP*OI1!VB3E.IT]#2B1K6$C:ZAE&Z
MU!TEBST/F:\++EQTT&'LE(?8G9=5JRRATB$?=*4SZ%NR,BW4'4Y-@$H!55_=
M1QW#?JD2<ML 55_A1UT##45P:A><JKJ!S8"3WAG0<M<R.#7T5E(W\&I%5:BL
M=KOPYE1UE9<!*;RMH^6P97AJ7B5$75Y!80);L\!6U850!JCLIBBOMI=P_[H<
M1K$['[OAF*JX'^%!59<[&3SH=P:647H7TI#;&P)4"JBJKCPR .7 IE9KBQ<*
M 2H%5'W7 H:"J?5T E2[ %5'JM#3^PR#ZA*W%6P-C5 S-'$H9[?%WYGPEN*M
MOCL%0^\,S+:$GA">4CQ5=:F0@2>\-Z#M8:OPI"OU71H8)IXW- %/9\[=U@F0
MH9?\./SH5_2K<[]JNV>ER$)52]F,%OE?4S61P\)_#8U2-:S.0.]W56F>A50Q
MB#A^KQQO:$B@87<&_:ZIR7*7(HH3Q>^5X@T-OS*P?F^WK]UT33"B.%&\ 11O
M:-T_PTGRR= J3A0GBI>C>$,3%9H*K.)&U[!+.X@0QXGC]\WQRKP&BW)<3?+S
MV+2.$\>)X^4XWE!3W=1$'B&SM"L449PH?M<4UY6&IJ@T=9'OR-1DA5W5PG%Q
MF_^CJ(>]J6WQIFSZF1K<QRN@%R[GW:QBZHL0 (6292/?C2)O@O68L+0H<T,N
MZJG/@BAFHV488I7T8 ZO=U]<SQ<5R;%VVC.?\]#U_16;NB^<#3D'K"_&;LS'
M[-6+I]Y<- .MQRQ^Y?X+-CF/IU&/?9HSG-:D."#\:)76=F<A?U[Z6!=JQ9Z7
MWIACWR/QMA&(:?O&(0?61*/0&\++W"A]/'ID"QA+6NP=QQ%,6 3#BB: 76PT
M+?'^GD7[&:;6]>%Q((L@Q@_ARU?N?H?W1Z+ O!OC*WF(PW#G[C/'1S?%YD=^
M$(%8XCAI#UZPC:3;Z0^P><RA$S&'02Q">-,(Q35<"5&MA3WG,7L-PG@J1KYP
M5V*:W(4[PMI9,";\,5 F#%YYR()P_=$("\+'*"*V\/GX&5I^!Y]#QW:&Y\*P
M?!^X/P'9CC=C%*_"XF302?@'2 % ,?1$M2XQ>'S!AV &<%W!]/H^C! &"),<
M!3-\013]\%XT@KR.)TL_>6F7#=T(W@,RYG]Z0 0<BA>.EC,4SXC##T2WWLIZ
MYGY/!L03+0JC]+T_ !,"I2!(!J_PV11@[>.\@@*$SS?@]&8@W2'^\PW:@J2J
MYP2+>B;DVIF>-15P2M:]QG&/EV'RVE30 ICPSOEHU2N@ 6JB.]OOXAL%N%;Y
M6E]]T([6;&RD#DM8CX@2*AYU6@0=0\RMV"BI.)<R'@"35ISKBOE.ICHI1KKB
MKJ!0 $L)$'2CE9@[ Q)"G]!2!"4&D !JI!!(J;!1 "F(H#F?NXAB5_ST(VC9
MV9"'R:*IJUVF*9K^R(JCIO!Z \\E8EDOS<D:*Y3$(N*/Z[^\7_O >7,A9O'0
M^YD;@C#6ZS7,\\$2BR],OGZ?%G)7E)Z2F$"I!UWZYM-UWC6UIUG%BLP?:\KN
M*8XAJXR]:5*?*NR3U3/U/O4I1Y_ZJM6P/MD]1[.I3SGF3K-/O_N,__')0 E3
M/?A=QME!\RKC_I<WC[&<]?^#=;A(4=R"/M=7'J)H\-&+X66C'(-^!Q8LO,?'
M+=</4LHHW\1<H_5#1:.+B$LC<141ETKB*B(NA<150%RJ0^+*7U<X](*0?0L8
MR:V0W'[G+X'_@J<:O^"9 DGN4LFQ#\$<>\?'+ [8-Q[.2**EPP4K"I#<#/J&
MJJ*?JR]_/U>[.<;>COM;S9#G:HG;WR]S_B4]A>;C#\EUT,\>7L_BM\5O<0UT
MU#!UR8X:YZ>WP=X8Q$OB96%>?GL-MKS<$C)QN9# 4\S.K7>U\@5!B:A$U+H'
M72M1IR'?64*!M_AI)(VH%N:W[.KEJX\248FH=0^Z3J+^'"S#'9XB;>4R520%
M,,K7.B6B$E'K'G2M1/5>=A94I*U<GO8[ Z-KET]"3CPEGM8]Z+IXNN7G9R#E
MMZD[1];*Y:G3&3A=RY:<1XMX2CR]'YYN+J@*T\]21':,ON0$.$0_HM\=TF]S
M,?PMP&MAO!7.)!W&LM-1#U&.*->(H%1+ZPQ,M:N8=N,I65&AP#I]0[ZF(92?
MDY!'JA>832937A*'HAX"ITLH63J54"+(7>'R.P-JZ(>BEM;:!+-6PZS@U6T&
MS+!>B4,H(Y1)O'?,@)G5&1@*:3/"F<1KLPR88=5SJO9,,)-YZY,!LWYGH!NE
MSY4)9FV%V<ZE109Z'"HY2."Y],@]_V&%K=!A!8&MRL-F6Q7UGIU&U'NN.NJN
MCN/D;<*\BXZ2,T;<-JI8\G)^YSE*SN"$!CM?69YZ=5]Y$JJN@JKRI\6VWADX
MLF[="67M1%GIPV(;[R1,@AG![+JGQ;;9&>BZK&H8A+-VXJST:;%M=09]I?3E
M%\&LK3"K($; MC'=A*/*BA$@%+8.A4<\X,\<_O6E'?X1LEJ/K)S.W;8#=AG!
MB>!4P5ER7\$@5\-LA'EV!Z[)'],2).23G,T36VNH3W)?I6L^@MR5$W*=@:!&
M$"0(7CG5U!D(4F0&0?#J293.8- @#!(&KYP?Z P$38(@0?#*Q]IG(&@1! F"
MUSC3[MN$+$)61=[3?7D7* 2VMH(M_XGW&; YC0+;';A.BRHM#(L5/V,=13^K
MR,W%J5#N-KM/&U/[J&!V-+A>B:.(>B7VU?/[5'IC6ZR8%!&5B"J?J%<N8.*H
MHH"))<WUBYA+S&W.B&ME[G4KFCB:J&ABZ5=/P$[,K1W'Q-PJF7OM$B<.QLEU
MU>OGA";FUHYC8FZES+UNS1/'Z S,KF5?/;,T$;=V&!-QJR)N!0%.#M;IU+J.
M1DLN,9>86W]9%,<295&N7S>7^%@[.HF/E?,Q9RB=@YE*U7:MB<0T8MKUF28U
MRM#IP[;2ZMK7KU@DQ2-C_?KU1&C ,[F^03F>SU4!YM+&J7/4.>H<=>[F.E>U
MS]S8>ZEEV4]/A!X6\'0P9C"F*&*OH1?SAV RV?K0B?Y1-M(],TA7J@PB_R=.
M"LQ)$4=41YXC*N7YN#;TWM6)O6+>45LL'F .QH9;X<.<T3\0U!H#M3J15M G
MX *U9RCR<F@0%MN,Q6*>91=!45XN#8)BJU?@8AX7)U=@O3.@]9> )L5#X"30
MC,[ .BQ]1$AK#M+J MKF NVB15->V@M"6.L1EG%%>Q'HY"6Z(-"U=@'-OJ@\
MN4BB:T"&HVNUJ^21&T>SCAM'>IZ>I^?I^;N[;/O-C38W:E)?;_:T'!UXOP@B
M#]>>QY#[;@P;O_=X&_J@];#[;X7E1AP;@+56_2'[&K"T37';+E\M=.S23+7!
MR3$,I8_A?G9K:OP0@8A =2:M,!2L -(U6U-JD@A%A*HSEX2A*B(:IS7%#HE0
M1*A:4SP8:E*$WI 56T.,(D8UG%%E*Z$:J@;[)&G1:,088DQS&7-)SH,,QF B
M(5ICB#%WP)B+<PT8JM$9]+NV*2LY+?&$>'(#/,F7 \!0S<Y UP[=X8@;]6.(
MN"&7&S*C]@W5Z@PTNZNKC5A7[J X\-<%3(;KL\]@%X.4J4;P$;XXE5Z&9A #
M7<>:4$%$IH,(@:K."\(,D/4!9/W#>!&"&<'LXFNS#)@YZ 9+*".42;Q+.H29
MIG0&I=V#"&6M1EGI^Q5-[0Q*W_ 3R-H*,CE7$AJ6)2GMF$4H:RO*=H[Q,\"C
M8TT;,NH)/=>MJVMH1J-*G1+8F@BVTZ?%&:#"FY3RY;AD .H.:N=^70ZCV)V/
MW7!\T4GP;480%^*"56W-V Q&8)9_694EZ[Y:)%1=!57ECX(U&_1N6X*K"&77
M05GIDV"MWQD8LLJ5$,I:B3(9)\%.9Z"U);"-8'8=F)4^"M854&9DF!'*KGH6
MK*N$,D+9A6?!N@;@:4M *H'G>N#)Z>>LX]U"6T)E"$_2\53TM%<WP% W&W'L
M< >^OQ^#Y3">+/WJG7ZO,VI'/A=LL[8D2*<OVW1Y>7%+W8VD,WDK]VWW"KPR
MR8/. %%>KEP"XAT L432G3- M F(!,3K'2L70&*?D$A(O-K)<P$@RJOY1T!L
M-Q O.9S.#T1#(2 2$(N>7Q? E[PJ?X2O.\%726]G0UXUOWN"W&T<@4O$6_[T
M&&?PIC<#;_?C#/TMB%V?!?&4A\P'[1 5O7\X6F:^[1ES<@Z\+<K":G*A!,,0
MA1(T62XC^>;VVO>WYWM1)($5$96(VKB"# 9&/G7[JJS;<"(N$;<Y(ZZ5N-<M
M_&!8HO"#M$HJ1%PB;G-&7"=QKUU@PK!%@8F,"JW$7&(N,;?.Z!H#"_Y)2S=.
MS"1F-F?$=3%33D22X0 S'=JF$C.)F?47YC 5+,SA*+*BZHF/Q,?FC+AV/N8,
MC#-5*6FK&L5!8AHQ[?I,DUI.Q-1$.1%Y!1"OQ,34FV+]^O5$:, SN7X].9X_
M.L1CJRUUCCI'G:/.M;IS5?N[C;V76I;]],3G80%/!V,&8XHB]AIZ,7\()I.M
M"YSHWT45U-IGZ]V(1?>NB$FG*WJ%7FW_1( !OC)M.!ULN /S[8=;RRY"'"&.
M2'4H.\D9(S-',)&&2-,ZTA1RYCI)&K,S.#RQ(\X09]K&F8)^5"=)8W4&A^Y2
M1!HB3>M(4\B%Z21G;-K1$&?:SIGBSD4G.=//+(%'I"'2U'SY*9,S&S>#+17R
M1XB;\K+]$%F(++=#E@R?G$OX8\E+4D3\(?XTWT++=K(Y9859:F:]IFJML"/.
M,F8=SC+T/#U/S]/SM?F)U+!>B;Q(%SI.)OU^U$'GCX,EK$V)\^2]NPF7$TMS
M39LBEDVU=74+.A);6F>@:EW-D1R 6FKBF[BE()X3SZOD^963,%E8X,KN&IKD
M\-;*>7^5HX ZK9 KGP;4.;3T$*K*,Z>]++*DXTG'-TK'7S=?EV4(V\[2]1O7
M\63;$>_;Q/MKI_NR3/22[NK2"DX2\8GX1/QZ*R+EX;W5&5BPWDM.ST"T)]H3
M[6NJ/Y6']IC=4^\ZLE/A$^^)]\3[RA.=67UAO3L*T9GH3'1N&)USYDFSG,[
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MWG I)+?SBV@:+!;B_1Q5''SB+MPP%O.S\S/0?1X*$&<9Q3,*9C,>BDF/4:0
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M9@2A]JW#X%WX\*'-L:DN6N7PK[%(28#9#A+]E"SSR<3"ESL;V"R(;>F<@\H
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MYLEN=+U %_%;-!N2B"6=NVINR(@XS1E:$X@#9EIJI&521.\,&E'QF<A!Y+B
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M2[EL']RS9\8<%7?FJNV._.=4"?\_CHZT?Q,1/'O%2RYQXCE7RD6B%UQM@M/
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M*-^<K9U-[NY'^2%(7/7&QJK6YI[X)_T'MC"#%>DOV!X*6T]M12_ZY/*X+(X
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M;A6A^UZ([GODJ6."\*#^4[\A=1?#0CYFM ;'3[,RA%);6*EEY2QQG4;?ZC0
MY.<MC#\BB+GHWVM-3B[0%]ILA=IL\5./IWG/S5_$Z/R7N X7&_HM./N1JJCO
M&X(354?)LW1<3%RJ!VF>'5^WPC!ZE)B7/\&P8-PR&?T.,I8T.#G#66/^$XV
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M6#L7Z+24:#;!GP^?,7$6D]/#%#.&,F%.'568N#^I:06I'MR1<K#?4\1\98G
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MPK#*/!!<U.,+ 8S[#>1>(Y"K 5) ('>S_!$%,'G<FO3DGBH062!RQ=Z)2O2
M'D[EP R-LA)@A1[0+%9Y!M=%?N[94U#++,$:%.Q3(/<9'!D%,%G%*$57*+0W
MDS/QS;$[YFYADTB@.-&Y 5 U=^1,JG=0<24&0XC==F\\;H+74<1?*K+WL-%K
M7($!W,JMPZ3OO0](F\_^>X!A?5FI=W)K<_B_0/"J$)RCQ!3GH9S6Q@GL[F=/
MZ!+X+?#[O'Z.\Z@$ ^K7Z/9%2L:E8U01TZ]*E0 C:%VY+Y(T!,NL%L$K40E&
M0B6XN4P.-IC4B)H>'U4A5,ULPTNL,#[S;,-&\K;C2VR*JWSCUF2DM/MJR25O
M%4TXK+L4N7RZO1PLS6&4:UDJ)F6:6Z3ER-(^QEAI3^Q+1LP&B& 1/JO1Z\13
M*'G(CB%?>7BR)_Y* F75]6X1>I?0N\HHABJL=_75UJ0_:@_5DIN\"+WK1O6N
M?*Z]''J7)O2NI@@QH7<=Z]K+JW=A#:H\+(L'7SK*4F_=W^@(H_C@TO@,KY)&
MEVM5S$OC3ZBZ/SA%JLT&++Z\N.0%<"DV)]*'A6S'406!#NF=:0?S]^CT3DY9
MUV_!=$A"X#6N1'X!OAC!5$&<MV:PD8K2F^Y)?QG*8VD:CMJ#)?U%DX?AA38.
MAUSAN-578FWD]+BK;/BW;OC<0N_L=ESCE! ;8#FS=,]C4VH!]'3.X%2W<!8G
M'JM,Y+;D +D:KC[WO=_8^93OMHNQJ1^Q)=U[7W%N*UPBYBL2I5)<S<2BZ$P=
M<QG'LO*UXC-N:]":9&45+;F44IQ0JL;O(A.C@P=[.%F.@AINN LGX6X'ROTU
M.20P4,&ZVT?T*2A<:S_[D=0\@<)<)/%8U3!5E/X.5&-_+MQP.2O0&CI3E^@_
M.T#GQ+W3K3=]XZ$6%I_V:=J=..!W898-F2.&0R(8PIYUNA_,?<V:#=D?IF9#
M[AFOJ?+':VJ9)]^XH>0X9-*;+8BQMG"\> 2?<'XV1P+O&1[Y1EP<IQR,K?0X
M,R2/%:J3BF=(CL>R.A@7'2$Y4N5>P<&/6:]2^K(VWO^J<L=\@=W8F!E?!6=[
MI0R^BF+EYP397@ ITH;H+NJ_%O$*!\JOW_%ZG0Y4;=3=KRQR)=V_ %,>;5)<
M,1P!G@W;6FENU5/=HQ75_-1&U+\[(#S!JK*E@+S]!6SG92&I])^BYN<,A/'\
MYA0G#&SFW1Z='F(L*;/WVH7=EBX"0H@(0SN!,*[/UULN82Q<0GC8/\"VWFHC
MPNLW)1.T'=SO":%P+MS_XJQ=+NHKH!&=WHI%L/V"J-_;0?V^8/MG0WWSE<_U
MU=;DY [)@N?G.NE'6,A)."[8>R:.WZ-/>B^B:Z#<WQ:'CTX\<KS74O;Q\9,7
MN8M+741?5G,L@Q/\P4R:CBJ/TO[BJ>X1?$%K\D[Y;2= 448NS]YT'I$[61 ^
MM\/S*FG9-NBQUJVC2O(M"QWUT5PVF:ES1D:8/Q)"PW/ 7J3/OS E!C[R_?[^
M4&";DV-TYC266J.7^V*S&LZ%IY S)-.6_$1M(<8P 046A_)@6$1SZCH_":86
M18\[\U.25X;%Z/9#\/E\E#J.46J_-1G+61T(IN6DK%2VF4%KTI>S>$ZXF3<3
M#O4MR&*4=);&*(6UR9(;QK(K;OA:;-?QO,H!G5(\3'L=I!5+1J;G)Y^2 =H]
M93_!DKNQ%8]:DU[:0;A=KT^3R[8Y1=34Z1#;\&0I?+&TQ/&"TI+.%]SF![ID
M!<]A'DQ!G,T@0,QYS8>OB7&'15%W3&<25$2'U>QI2,<[C@[L"1,]X:P/<5G*
MG+TVO1 QVU3SN]F"S'[&N^!5@@Y)D'T,UA"TYB@.-O0ARED5PE6@0LG[P<EO
M<E:!0T:J;43D://51]*GZ,-Q$("F,:CU2,^[O5X>Y@6$GM:2LA/%MGG&.ZFE
MNQIMB6G9N"%S.!C,5;VK]Z=CTAL:LZE!!LI(UY1>7YE/R?Q_564\AA6J_>&X
M"Z(W_=T@F8P:(VK2Z*XJZW7(58:_.3Z1%%7J2,7R(S^1J?_)]&:6@_GSG)S(
M89^3YCCLXYN2J9(?'-=UW@ #OH"1YZ6,D3(L#-[A9AD!;(F\E:NM@CFD3T&*
M)-+1U,]*'AT.4LFC%V)(81HH2]I$^1JD6JZ7@.OP$H_*\(_.$A:VH4UYAN\]
M,)^"PY[C85]PJB<KT>L6S?4<JK(V5,O)]53DD3(H]*KLZ[UQK[Q%C2I,0#VS
M%ZZB'%3.9EG>?I.<CJ%4ED*!?$R2[17"0:VCXU9M@<9_+AR+>*#O!;P<9^K=
MG5)X>[@"^0#RY'ES%\5DA@^XA-<?6GA)T6<6LVDR=GSYQ]</DFZ\T@J^4T*?
M5Q:?XNWPBB),ROX(TU?'?GDF[A+5X,*1H^$0Y\JVU7XCIG.6TQ174,*U4H)Z
M3DH8T8D1FMJ4]M"5ZCHQXS!XOH,W4V.U)F'WXX,$NNF2&K.P'GY.A\@PW%*'
M=D[JP'A)NUM:WYPF-68ZC:8N'&EZQR(-IUMT#%]&W>QFT44LNM"C!,^3[',[
MYUV7OL"+3[YEN8AO',NXJ$2^R<:'Q?9^19RM?T9Q.%*HLEB>V51_"\/T0O*Z
M=039";+;DMW@G&2GEFRCG8_L2K+>&%%T96W88 G]?P C'%?RU@A.T]9]FG$P
M);:_=M..2F&R;8GE0 >U)+%PZ$%K3?K-:*PM;++RL.)  [J#6-%#K$BSR'.,
MZ[T(_O049TRVXQ_)DVZDB&]\(O;U6Y.>EI6%>H'AA))LZLO&BO&!,J>#6($]
M+;5TROQ-1?>9)R.9I551P_$KM[9*!L[5T&TA_;*H,3:D18?JH*PN!"6=7@6J
M:W*E*O639!=(GNQ'$5-=JH#,U1!](?.A*-&/*-%K'%%^00,T^#7&-U:I>S^;
MN>M849<$:)743203_A<KV,6 GMI]_^@OB"M9V_[G]+KRGM;TTK1TFQX4-;>>
M?/C/DMBL0A=^,FA+!UINPEK8XZP A]=F(E/+K@I"I7;##RN$ONL;1+J/:]<%
MJ-S;QC?'GK%_%*?&,5CZ62&((%7Z+ T\\@*P[-[[YP BF#83+4N'X?;;;V>7
M4;7YU]7+:]%?TQ(+=F.@*;'WNRFQ)]6['%F%](6 I-*M?SA+@A,@/NCVSW!=
M'S8?7/C+ FZ"Y>(OG$JE<:IVZU($"58J(9B0<M9@X,9:UB/]HTBP8:T24)XE
M&6&Y?R*967+6ON?K--&K0#/[1F!LF41U$656O;ZL]/D_%:YHZLKCD592F976
M+ZG/OR+WM?UE5C4LJBN/>L7*R"I85$_6U/V8D+,@C>MP'5]F"=/'&"\,^MQM
M3JWFNE!0?-9=RP1C@:G^*:C@N(1O*!H^HFCX!**AB#_XLHL9#>3F+AI8VZ)&
M"?L@YBGWRFL6-QL[[JG]5\I^#P5LK@-@81<@*6@#)(7VD(0-@:1XY\.3JT:O
M!&0"Q\Z+8XU/CV[J7=<>[ 2#K7=*ZM=-3+LN[D;<XV;8]E1^HGU"-I_6Y)^F
MOS#M1YO0F4/S#VS\Y]."$!_5K>+.,NPZWM9.SWLN=,IU9Z/=5J;B,?T6BZ!E
M(%A"N8)BY7'.Y+27!V4Y+1G'6FO2D_M-Z8=?,>X)5EF4509VZ>,\9I6&1NFC
MBR8I6J2(;@\V_NL'&&L Q^<W8KV2W^&91?$FS>->:S)N*Z654 K6V3PD+9EU
M[G1]C7-,AJWV"\-/AI@!EH;XR>.3F)PI9T:[Q-R0TG7@OD@UKD;3_>(Z2U :
MGIWG-P<U!Z\,;7> 5>_]TUEV [.9;PO]ZM!IX\B(V)E/DQUB3_6KS)^_+8RK
M6%_]OO8?7?@50</TUD ;.':FZAB'#;>'U]08ZD8QL0ZE=!?Y>)QN3*='G#RR
MYA+;+=6CBPY$*6YUNBB@/8A_G-E;DC8Z[N)\AS*TT<OT<ET1 M:@C>Z@8UY]
M=-Q5J#[:%(^!P+E&,+U3]5$VRKPH_U,%_[L.7*Q;(V7HQ^-V6J.XW0WX1X?"
M/UJA3HJ(_^Q\<=9N:4IIKS7IE=$85+@)KHLIYU)*=_ QOU9*XUB#DXM0!=)=
M$]L[42M%-"S._P:MB29"1%> BC4KI0S[>+QNB+R.T\]+^$G/I)..A)^T.IT4
M\1Y4 /.U/#\I]JAH]X2?X.(1L :5= <=\VND+)K5%,^!P+E&,+U3-5) P\+L
M3^D*]G<=J%BW1DJQC\/K%*51O$Z4H%WK:).FWB4 )V;59!B/FEI]0*.V[=9G
M.=[/07B5:30J:A-2O?$DA1.O.2I3'HLQB8JY#49%:TTTN:<UQ*UW$2AWY8RN
MN+5(<6^OP;AW3-]8Z66/Z1-\[W;Y7@Y3\2C42S# ?C-P[W9"&VS^P'%3Y.OH
M05X;H!K:@/P:Q%_(86CH)\V "I?5CY5!61/L:^E(7E#RE3P[J\SG!>L0K*,N
MS?F[[OZI6^LCS/ZAX!ZG/\\9IA#K=!S<WD$ZO5-&2>+E=;/NX$V5HROMUQQK
M;U?YU]\G #62!Q0*GQQXO>WXVTD,V% ;CH',_.WL!A=[\WEO^DK27US"!B[L
M])R_L?$6R?[B ? DH,L%K,35\4Z)62@4=M&==#!%^ _ ?>)2@-/7S9CE;2(]
M!_=(*]=Y<?5E6WI;F+.%] )FD+=] O_BK"CG<^82,>GH#&R$CHW.\<?P-3J:
M4_!Q6*GIFZ"F8W?XCK/VI17LWS'P\?5*\AUI;X/Z87'GUN8[_< 7A,6/7=<I
M0']V9ZS=-V!<'K%CC'/4FLQAK](&O5Z[R"51,/YGK;NP*VN#.W4)V^+:]LVH
M1_RFC2V =<G!-N9P^JQ'O.Y3T(20B/K&7]X0!00+'I!IKW4V[RZVZ.#!'O9J
M7SD>G8MRYQ)+QRD3VQ;M?TU. @@D2W?[B#X%.;+VLQ])]1LM3-V)QZJ&J:(,
M=J :^W/A;L7,"^E, <U^=BBFW>G6F[[Q4#[%-K4T[4X<\+LPRX9,-!TB?J!1
M-?NPC[Z-X"=BW/O19>UR)CG<9TY>0'+&.2:[@U"03I&G2 O= -)>>R"?\+UT
MQ(/^JIL6G6@P<XEA^M(;\+^(-W:^_6O+U H-B=%&_82FF&)Z7V$%C_./]*-?
M]!F.*=K\($L=.(K]\H'..(*_?-17\)N_R:<TCF.\;]R:C.1>AL8X9=V\B\^^
MV9V=7O6VU"[2FIP5D0CV)4O/=,;3$O!S(QF@OQ;;HQ+?X\.W+P4$UCVB'>SL
MBT/+17[7?YG+]?)Q.SKDWK^W-[3]V6?;2,LQ@$%*CJE*:V([J2W[@- @W'"+
M#HA\FZH+6QUA+YT4/'1U_Z&?!QZY\ 'K;>6L3D01FF? 0I6E3]113 D>M02)
MV*B^9@U.HMI0T'-ZRB)HR!]XX-_.#2L&;.5H W,'U(%?/ CT/<[O(Z4[!OW"
MQJ@*HF*@IOE*.""@S1BH+KV%/;I#>"7M (!:P4"!<FR@@ ^79$(M_27:;S>V
M7QQ4+G?3&(8Z+ZH<A5!(K02%#DS'KAV%^JV)IG @>G842@!&JPR%!C2*O@>%
MRAD*=B$*'"?"([T0F[AT%F-TQ.37BM@>/>4R^6=X9I_9ZWEG;AO!U1\$MOA*
MXH@0#B8MCO38,V^0I8]%F%\FG=>V5:QMZ6?US%H>JWHJ!\:[U[9=T+15+4LC
MC4XV&#Q*71$'M PF* )S1DF:,_(1(Q SF$5CYB.R,Y&"0V&VVKLO/S[\)N&!
M2%_6;.;>=^;%RMA''H[8!/:7:;^V@\&TS&A!6[6@DJX=L,P*SU2.Z=D:VEUR
M5@ BU+,!Q^-#$J>AN9=P4O[XD#S6P#E);3:7L/F)A38^/F2N9>X\T^+2E&)1
M(6W4*W\-*M?J2VL1WGJVB,,Z?@1&4C<-.0]R&/1J(G\YH'TT@6;2/*\IO.L'
M6:W=V4('166K')>BEEVRAK?#QVPG@9/N%F;;0!".3 55[X!KKY#TNQ78>@O'
M]3L^\E0^:/,-KHU@?'$1C,LY.I1O@.A'VS,<P;+E0%L&M*,*L[DU.:6.QI4Z
MDCZ;N>NX?0;+SB#DT&V1B6K,/9NV]++>B" KTS Z#F1Y; &M!VK2 2.O?,OG
MC/OIPWZRO*OA?N"=^4P;-<NFN5J3!G5<3_H>G(YQ6WZ>K3H/0FH>0&1.(1+B
MJU% -F5X\&\*I@_VX5#GCG.9JE59T*>G<X;P!,7[".T#=RGC0:=XCC6:1SO(
M]!P79ZWY7.7GV@YV31ID;R=PA.]W@WNGAE(B/[CG^GLWC&[N[[II\'S<VHB&
M2=).O]#'38^F%'?]2<L<HQMCD.Y3M8WF<%63E>L8ZQD<P72334M%M92C/-7)
M+1=&N1[Z<=)N'*E"!_2I.U!:D^S8455NY7V;V%_.UE-;DVY"@4IO)K=&I>W7
MJZ[/5_Q_X"@!.$]KS%(V;1HR^D2F0+EKEQ1QO)Q/%\@L_:K=P[Q'C3K9^7R
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MS^=?,VL-!"=%88;[V7_6)C,9I;ENNM*K;JWA^ R$/@I.3W+FTE^*2.U^JHC
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M/L8BDS1GE$1.FX^AFW4?_%,(L5T=KKS0H0SWGTGA<,T7W62R%%3;0%LN=$C
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MNKX8'PO>U,,0<3I^_&8:_B),;(P]%63^=;>/Z%,PT]=^]B.INH_"?#;Q6-5
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M7&KN6);SMBWI\-9+H#UXB1<VW6"5B-Y.RXVH5,$&-=4("T=\_1<6N<&E=U8
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M<P^P@"$URC:DA)[=^+MN)5R 6??$]H+A,+;!QC[1P5(VF9L@'=AL!<P+%*&
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M_!HH-K\A!O_EG /?'L-%?(4U?(Q35.$PSU!I3=(]+]DA <@MRJ;@^ KMI^@
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MB>3R,618K#.N0)!&(4A:BI:/(2,0I&D/;O48<NVY EG^VR*B- \,KHX&"I)
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M=^Q+?[^__XZS1[R9:T[AO7J(=PS9%O#+PK$,"IXET;VU2SWCDN[[\, :O?>
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MJ4L_H',43#+*@%;$UBW?A+>_ ZX"RM!OD:. 67 21AK=E;ZAZG0BL(9J.!B
M,PLD"?6(@$@)-&?'3MT=!=\.I[(\;#OCHXKFD@4\B"R0_2!+G]8N]?X)4[(,
M4S*I#"?L^=3A1?84Q0^3CTI--4C*]/MF\,THX_!["(U[VP@ICMM1*P_S5%J3
M47,U[G)]S)4"5LWN87<^GW*E.]1R[#!I4-S/9NZ:4C^?N)D#PS)U.OC.#/V
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MJ%!=U\'_G[UW;5(;R19%_XJ"N\^][@B*1A+/\EPBJLOM:9_PHX_MGHG]:4)
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M8V!,&($4H<DPY!OAC">;!110B29/MY!U_%7WN@M;6V22?@[@T07H.7 D+B&
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MLB(NY&8J;D7$77[%*Y3X-QZ4N\J^N*[TJ(;VQ0X:E_J'I\T;UUH G4PWNJD
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M32X0N [8DL.GNB?_YC*&WR6-+(RHO]N7NOC+O]%0H &![PZM\1*7E8Z2!0Z
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MV3_E$Z#R3T0FV5\;V9^UJE;M\Q[D5%1+$I\D?F4DOJ"J6E7&E,%4%CQA@!1
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M!5#M[Q_1Y@!#SSW_2.1H"X9%CI=/EO38#>_K*'@469D>W5.*_+FV]Q>KL!.
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MI\"M<QJ%8*\QWQY64SNMKGA>VZ)9.K.A4&;6$-&7J_09:IE7AP:61]DYB^0
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M=OV#P2$0>@>/9IWCX:9BE,ICS7)]K%U-W4/"IY'S6LR[EI>ZWU9T^NJ#0=,
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M,S7%'8HQY3HC)L&0)QB^D 2,\DUS6:=%@.:;)$,MV:9 @J)7AJ!]@%;B9VQ
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MM]AI='_]]1N7<'=W=VMCPY9,U7ZSZCM_5K)1;YZ8;!1&6&V^N6%B@'VE0HK
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M,^-W>J_5ZG?U :"\/N@8+4#YMHBY/8#6!*L78QPR,?Z*WYT$OUMP^)5[>TV
MZ<T*8NM![#P$:I6^?FX"M=GO&?W.E=UJ]P>]GH+PHN%%V@XCV\(U'YO.M"#*
M.C9J-#\K!F0/QV; J+]0+9FKE?RN?0O@D.DWTYOQ'AC42^/?ON-%FLW78P8S
MV2N<:6):$Q]L$@&LJ6X>_Q1NC?0AWI%C&H7P6V@%SI#9O$N]4^7\G0SW+D7F
M2D%8$V"Z7D%L/8B=AX)0Y=U7"H) >)K= 7+64DSM@$T#%C(^9)9''(I3W"J9
M>_(,L9*YE<S=I\R]HA$^!1.4Q#;;.,YG?IO)%)__EY4U8@90,WW$'(:^"^9+
MZ2-SLGRU<9.9<P_CR03,EWF]8$\CGO1.)P=PY;_C(!7NCZP^#)CYO6Z.8+5O
M3??)G(6H#2@[G3A>73V-/"#+P56-=ZK&.ZVOO58E*V>OO79RVNN\AVA>B;U-
M[WE 3U58::\GJUIT*NUU,X!5VNNZ$#L/CU%5,E$$%RE^GLR <C_-I.GXR <E
MFDL93-)</0?T^.21=J&W3STILR* <U,ZC6:ST]7U_I7=[W;:.B41=&1,%4./
M?,P $'>8CHP.*%K*T#\ZC8,P1IY *> 6W:P;2:)VR9CI:XL:GL 2VI5R>A*:
MPP(\NM#/8F!6>T<U7G*.^@%M/5,6XKK:* X\)QS7M'@*["!@?\8LC&JPSZG#
M%043;G*2QOB8Y3!R/&G !OAFNDUF3,!?7=][K,.)3^#>891Y6/":(%T$\AH<
MY6[Y7NB[#L\$">-AZ-B.B2I*=F+V*6&AWMQFGG'I0,!J4.>I#>KL]#I&J]EM
M-HU.<W!EPG_ZNM'DW7"E_O]A,G7]&2G^Z=RA(8N>&/.63G);I7/*&<$4>50%
M$14BO_AC3_NEH=T[7N17@U?WO:O=*Y*+D .L[[,8  CRV[BXOZRL\ 5NJ!MN
M1#H>EOI'@>^FTBA4<GJ3W%S\!Y]41VF\L&$3GOTR&CD6:I?'9WV>@2<*Z*!5
MT<%B.OB?&/2N$/ \]D#9>C!_P/Y"PG3M2QR!L<.T6R=@5N0'(4V'[+U#B@EC
M-^+M8WFY;03WD"9' WPK:CA,:FA7U% ,FX=X.G4)@4U7>\\\-G*B9!;U A(Y
M1D3OG &B=RI$+X;-AV>+A:'*L 6VAZ>*[N? U[L5NA?#9@$NSVDUMS)=_R-C
M(F7_=\^I-)J#QOS#Z,)5NOO1Z%5VWVS.>]5BSV;!NH'%O:QO<^^.T>SV>FWT
M[NAZ1[_R9O^RI)^8APF7^H]_,SWSD0L^^#=F//[@1CZP"6[/(+FOE]=U:D!<
M)==SLSVOP/!PU\L=B0D<MAQH/Z9MO2(&7.C=,_&35OWCSBM523?TOM'IZU=V
MRQATNGW;9B.];:XH/0R@':$:IM)C?8%Q4D"K*@../F:V_) O]-Z9"(1!)1#.
M2B 834-O]GK=*UOO]%JM@<V>]::^FCR@UL!-[<O$<X9Q>%8B81'8*HEP&A)A
MT1E?Z/TS$0AZU7+U3"1"<]!IZKVF832;?4!^L(NM81UQ_E^BR?#+4A<Q4$[I
M:=\:VK5M3L(3E1!+P5C)AR.7#TM/^$(_BW;<*!T.HW]H%8#8C>^\M ^]WEPT
MA0!+62G($#E)SA3^]N"[CN6(1*JYMJ.?_1]L,F2!9O3)TC"2GJ-2YGQTS4?X
M1)"3-!?+95&H/<06I@+X@<QQO*177[OP(_PE\+5;YS-SW=(LZB-UFU?1@+5Q
M6KLPFI?:F3#TJM_C2:O[>K/5:NH&83[_J][!1??[5Z.A53>:\,]!JPG(_^>_
MQ.X2H[>$W<(S71$5N'XR \[[L\X@[0(XKAF&\03X.C#QI0PZG4-URRPN!?@D
M*E$&6QU'94<<J1WQDB._,/1S,2P.HW-;95CLQ+"0%G6KV>QTFAW%HM8[V_(]
M88&]9[JV]J&AW9H_G#7]3Z<&T"K+Z2BV]8H8<&&<14\1%"951Z:3-FI6POKN
MM@3))\:TWQK:P\2)QI4*?HPJ^#KXHIT1F]Q-\Z6*3>Z=34JG9[O9;?4&[2N[
MWVP934/-<"CDD]^P>=3#F+&UX[XAFXZU+Q&VLZQXYG'SS!60Y\(XET8C^F%4
M8%4\<Z\\4P2*,*;YX9E9,2^K&IM. %O8F&MN%(NL6.>1LDZC:D._&<2,5@6R
M-4%V+L*Y*F\[/^'<:[6,*[O7;?7[?54GO?/@Z2AKT!1-..Y1G+G-0]8BF\GW
MY/AC'H5N7\[E(JWF.G*&@"8S[0$@'K%'Q])NS*F#37<N;CY\OM3^[KN(9&%-
M^_3IIA+V)\.'RW#RXFSR1*NZLHH32^U#]MX[!(YLCD:.Z\ GZ7NCV+-#;4)-
M,BA1Z>^Q'<*GWINSA%.G+32 2]]73/ITF;1Q9DS::%9,NF+2K<-1EY<PYZ\,
ML(AY%DMX\[T91![V(Z[4YY/FS*USX\Q5$6[%F9MMCO5R4A!537W%A82+6;3D
MPILQ8>S\[I P\(&Q.A[]P%],C%_RWJ^F$[**Z9XNTVV?$].M..YQ<ESV;.AU
M'%-F8OD0<#3@44);>%"&E\F!9^G4M7/ Z<,HUJYP>I<]* P<*"G2&@TC1PDS
M[2X,8S$>\.?81$)@H#TH,T<KB7[<$GT)*EP85?!\#7"U*VBM :VS4!2K@OFC
M%*KLN6ZT1C.CA3C[+YQR"ZCELHAC[@W_-XK%7^]_^UG[].E>6M;<]#V**O3%
M>]1WPLQ>>1.)]SF*3&L,QS-F 8O\<^ \+7V;8XHKWK-+E*:5M'0]Q"X7OM=J
M&A;"=R0\?+'+-+UEUO7VA7E)TQ:=$0"?/'XTO-%A(RW--!9C&*51*QH:H:_.
MM& !MHDQDB<G&J-B3R^!#\J['\Q@:'HLK']Y=ME,N[:(ZZ%$/U>JJLSDXZ8J
MXR54]='Q@%P<TZVH:IM45='44=.4T10T-6AV59J2F*^W.LTL124NUC)A17.$
M7TQRL)Z*Y IQ:U!5IATIR0UZ=6=H!5/LCDGQBV==?UZQ)[]VXYI/0]/ZKMW3
MXV>)^IA????YH<+_ MC\__=?/P&FA!'QTEO?BBG'BZ9 ZN]$M%]<M>55VX?O
M>WZDF=,I,P.9!7"'!V^*/GUF9 (G!Q5KR"PS#IE&7XK,QU S Z9A$S\;D\.0
M?2?/X_KXC?);C3/ S8>;O^\$-P6B'=+VU2/_9C[[GC^9@7(0,2]$<?X G&IB
M)FC9R(#IU-#@YOI3A0:%:'!CNE;L<LOLD^-]QTC%F2#%[8>/%5(4(L4M&SF>
M<XXX\>GZ?843A3CQR1PR]]S0X?[KAPH="M'A/F 8'3I#P;&;=KD'B!$W/BQ&
MNS<?Y\P1QLV1BY$?3, (!M,#S X5@= #9<$'3/B%+G[@3@ -B.QR'E>N(G/H
M,FF8),V!?_K;,+C*6=1YN\_Q;,"9MT:[T0'(;QE.>G,E0/W7?1R$L0G67.1K
M=Q&;:-VF?C&\O# NT4_VE3U*C>NA_FM-0R\? $8+T7<0N[ .!%?HP,K  .1.
M!22J4!N;/]#H8Y[F3QR$<T/[!L9=D*16DN<!4\\Q23W$SX_BP'/"L68"_*<S
M_#RZ^<3CR2<U/RCX(#Y/[KX/-UH\A>4&[,^8A7G#<173>Y6CRR+^(9RFT<33
M_"]UEOL4>^P#M"QUDCO]: 9P ORNAK9U" E644<GR-M65S(+ :"ZWM\;?"Y2
M"M[]Y]]EX-)MM-H(ASMRTZ'+CY>O!6PDRM< HP7K"25V"]?W7T.-JJ7[]5^U
M$7 S[C[A^)_F:")E?GBVQGC2Y!AT0A*'.%5G&CBN9O J/5V[();XV6]H>KVE
M=[J=R]*S%?MI XX7I)H].78TIH['63<7%P5OF^DCYC#TW3@J?V1.LJZ&>QGW
M;1A/)F8PFY?2>T(_ &W.CZ7\=QRD]//(ZL. F=_KY@A6^]9TG\Q9B+)9V>G$
M\>KJ:>0!60ZN8R)8HR+8.8(UUB'8 S[;UDF<+?G(>^]>>L)?K,A7QYJ=R!FW
MC_2,<V=8>-9ZL_X_&M@1=,>?L1D KW9GVA36ZML:+WKG>:$M7FO9*CC4<O7K
M@$^U4YUJ<JK-(OWI*$^U>]JG^FMRJC.,5O*33 :)B<,L(M%C/,O>D9[EJ\A6
M57O2NR=RPOW#/F'T[CA>V4%KK49[OMHV.>Y,,X,''!=+#@WXAT"$:^406ZU6
MW="; WUP6<,.!QNAB.B)T"44Z1TE^QX<,T(DE%^ #3=Q$.#Q?V7P+A4+?BT@
MY1>C0)L7CQPC!NC-@T$!?2]ZV0.;1D*<-P4EGP:SUP_'<;G]D]U8K@N*[9W6
M41^.R^M5B'@5-5P?G,IA'HZ/2QZF=C"$.R"+JT@?/TK]2S\<7]=6";=$&>=/
M267LH0Z$F[F3J^;U;K??,8[R. _'R?6BX]0'@XYV'_C/,_7P! N^]KP8NQ<S
MAC.XT")[&)L!&_NNC?U?QLRU4P-:!X*EMZ4$VZP;AM'K'RG!'H[#ZT4G3$ST
MA2?\2^PQWK6UD"$?Y?$>C@_LA<>K&]L[7OU4(DOZX3C ]B%N^_R70J';JAMM
MO:GTH#FF8ST<-]9^?!B9B*%*K,WF,9.K<<J^J8T-H<3NG3_NHS[LXW17:3B3
M!O_]T34?P\@,LE6T1;2\R:%_]G_P0^?1AD[FT/5NI]<[SD.O'%<G1,&'Y[AZ
M40!YIS&DON@_=I0'?Z)>K+6H>*64Z,7YR([]WV^<7K<[,LRFV1D.6+MG6T.;
M=?6^V=+;'7TT9*-_&?I@ (JZT>F#''B3>3G5E:0)U '8<W4X!=><ANRM_,L[
MVPFGKCE[ZU %2YT>>C<Q@T?'JXNL:TP.SI7F$+;QRVG><*/)<X=%]9/XLKC<
M@$M7\[\/&OUNN_ *2-+"W\O>U.\U!JWNPE=M7IM5U(XA\J>O3F.]/(X3A*G,
M1N]F"\^.?$\I>3WPI/M3JI0BSOC9]]A\-=%*>SCTHHG#J8_H9=>8KU=8D:D:
M@X25[K&JXD!*4>;HE4#]</?SY^MOOW_]\+ V5AQQ?9Q:[!A1->*?L1,P7K&(
MOM.D<1G6S>F="_LRZ2.6ZG^)[B>:B>F#5KLFWI=6-X(*:<?N3*.V-S@PQPGA
M.FF?\/4AB'8 $7?IH?HR9&/3':%Z@R^*/73?T@WTYH#%'CQ%+S3C:.P'L&M[
MK=J]S"F@SKF5XQ0OVJVR,C :@[ZQKJ[2;1C]P59T%;W7:'=::[VJ_/>VT=_*
MHGI&H]4JOG2\"E1QT?+M];</;U]+>TJ8_*YW1;;C?_Z'WFV^*TY"W$<1__X.
M>5E/NTW:-JP(GB6W"?Z&(Q3@/@UT,L?6_F-$_WOWHG<(H![3,5VD";L%W1&B
M1/V2#W'AOXMCVO2VG>+2Z[0:3#A9N13?$[I<A5?:M<M">(<=^-I]0[MU/C/7
M]3=O\+?3@]B4;@_UE.:L SJE8SZA(SR$8E+!MD4.*ME*4^2YALG'?RB')]'N
M \>SG*GISH.[4,25;5J:.]3'MQ0TKWE7M<!J@=4"5UG@G'-ZUXZ4O78!6^87
M6]$!EGJXT/M%S;^$DVO(7/]).K=&/F@33YBN.&5!2$,!/.G_$A]3'&DH_$1G
M:,N<FE8:@_7YKSB "T=0VSACX'6=8D<2E6L-&MUMN;J,1GNP."RW^N^M_G9B
MA2UX5<O8WOX6@VISK]GN5)O5NB(N-[ZV[TLKH+T E[2GB3-7>OOJ1/UJJ^/
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M+^_ =#7T[1G\,8XF[D__!U!+ P04    "  14&Y8Y"A4R @H  #_\@$ $
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MIQ_!E@XQGM/G?F#"@AI(2<M;RD5>E'6  K+X(7;PW,E1#U05+7SK$OIDB9*
MUK<WWK91E22^:T&B\]<M(7\[D#J_BBA#R(W\"5[1+URB* X>$7_:E=I&;"7!
M[_4)YI .E>1LB<I^.-#<2$6OW5E?D%(!?NA- 0[]7AYVEVZT0'$0W2?8^[;$
MH8](?/%'&B2;SB-Z [22]!\-AG4NQPDBIRSIOQTNZT!R$Q/]SN&Z<I3T?^B-
M_D.?EVERX^5EB)_BSGSG0$I"/QH02E$=!CL@KLY1[)%@#6AX?I;2/H3B>$H6
M;A3\FU6-SFEG;AS05K\M?:@N@VWA5;R>',/2-HB]$,<I0?!'(0G(%+*^<\K2
MV S-Y,$[98D#HOP^7:U<LL'S^V 1!7,Z.D7)V/-P&B5!M+BEO<,+D'8?U413
M$GJR2V@&#$25H)T"VQ'@ ^).J#6U,F=!Q"JCS51E624OI[N\"!BGC#,@"J@"
MIBNH!2U.9W?28>&J Z4DZ.TN0254A\$.?5%Z%3VB.(%Y_AYY*0D2@^&MLJR2
MDW>[G!0P3H$S( JNL1O%=/*]1FZLW_@[I93-_GZWV1D F_0YQ(!:?!Q22Q9B
M'N:83 CR@^0:Q[0)*'@K+K3QE"S]( U8 MJAV X'=SBZ0VVV 9-HV%TT"?A1
MZB9#:]<;3)*%NT#WB#Q2$S):W$%$H'9#UQ57MOR'W9872$X.Y7"L 9'QFTL"
M=Q92@R=!]$.2"VK=FTS1M>65='S<I4- .0++$6 #XN,,$X*?D'^91K[^XF*K
MD*KE3Z7ENRCO,( !M?8Y6N,XT!][\O>5;2RMJ$71 ;7N)?(1<4/FZ ,3!=-:
M/;C/^H-+/8"R_:65<X;U'?<[?L=-&@!T&.* :&$.\SO$UJAG**+027P;NOJ^
MC'H )2W2>IEAC3(P1Z Y#&Y G)PC$CS2.CR"GO^*_ 4U1L8>_=MH,E:@*-F1
M5LX%(.LO&:138 Z((FJ5N-$BH ;*F"Z.].<,J9R2!FDE74 X'&- S3YQUT%B
ML$N9O:YL9&DAG)4<4-->N@'YS0U3=$.7H+01].=EJ:"RN:5E+V X#,01* -J
M^HO5.L0;A,2$I]OR4CEEPTNK7@&13[8#:O8)7JT"Y@EF04IL)PM%)CMN#0A*
M*J05;P&612^5X ;$RCU:L#@ ;?M3O*]J\;?22E<4'5#K\D@8V(5RH\TT"C>7
M0>12%7/#%F'P>F!*7J35,<=U,N 1(#LY]$"CYN_368S^2.D'7#P:=8_=<DHZ
MI,5R >%PC$$UNTY,Q7XB-70B-CY^?/_NW8\=(C:<OXI_#2DNKF4PU -XI T6
MX%V$*$F7^FG'N"OGKUSRD/1 KR.:T6Z$J619]I$9=.WA$5H5665&7P."DBS)
M9589H35$7C3BJ\QHT@=4LB9YV/3"MH9(8U4,EAEO#0A*HB0O764LUQ!YV0[\
M,6.DLJR2"SER92<V:(@TZ$9F&0YU9JA*ZB0GH&'4UQ"9;=6QC%B1_('#;>R:
MH"ZSUF\&4='Q07(6UL:'#9&AK1@C0_NZHJB2#<G!L1VD-$0*1 B1J4]BJY2R
MX2N<#!Q@B$U>&X%DQH$*1DF*Y!-0A#,-D:O:L"1#9XX"1LF5Y!)HBG$:(E'-
M84JFHYL&EI(RR1^@#'P:(F^[D4RF;H#*TDIN*EP .]%00^0BBU8RHV"[D++E
MI05_5GZ([2V%/!D: #7%E1Q(*_>*N*DA\K$;"&5&1TUI)1O2BET*IAHB%_4Q
M48;#DPI'Q<]':0G?%&$U1*I$_).A2;Q=2DF#')R0 0RQR;5"ILSX,(%4DB6M
M][5CL8;(9LL(CW.4N$&X[S@2(47)N>1.Z!Q(DHD>DBKH17U\<0EA"TE#%6B)
MKJ1>]D[H1Y>,G%S>@?%:3B[B)%B!J^=KC.9I>$U;B_;3.Q2O$;@/LN7O7M3!
M3+125R2WB)&NY)5Q>&T<5ATH6U0H7\$?M*F.4I=$],_X%I'[)9V9]Z,W-4*4
M&B(Y9\PT)!/K4+D.$SQ(1:B*/VL[;6AA*6F5/#_546U#GP\J&QLE?$P;>W^D
M 4%^'P3682J)E-Q'M42B1(S%0LB!TJQYJ*4;!BOZ%]E W(S7QJ(WQE52*_FB
MZJ@MB7$*.0=V!0N3<Q;NU&-_K8-4</K^6,[,4L?IY#P+TCKT5JE78;B5T"TY
M*GKIJ[6H2E;E4);:GHH=)F7;RS) 8C5BO0U)-4!4$BJYS'3#QP?(9%7T=[XH
MJ?K1D-?6^$J6)2=9=>SYUIJG)CS]P#MKB*IG;1<ZK?&5O.OECZU[_MW UT15
M'-PA-PS^C?Q?W"""(/,>J*Z#5+);D5RGFETAP0$1;T#&@<^L=<8K3!)HFPF&
MJWW]W-.7ASG@>?'V; /;KL3UDM0-;]P$'F]Z4($>:Z'4&LUS2-02$)5RH%9L
MQZ3P@Y9B-\ _5I2;;9Q2[1Q1O8/"[4[H7R.2=4OHD+<0EPRV,X[V;4FT$JQ4
M*\G/IF%B%#5A!W:<O"YP<.=@?U2?CP-S'$<0@F"H%"H8)<62!TXZ6\6B5#+8
M U6M#4(%BI(H^3263-2P3;OM%OY?.E/1.0K/V>-?4>C/,2G&GT[L:6*K.)4O
M*JK@-),%0RO_%<2Q8Y&EP?1 =S43U*IB9T>S1KR*_,!S$TPZL=].E%(9)#=<
MA3+4:P"8:/R8K%"8O 8'[3"D+#>263#1"^I*M6"EYDC^OMXTI[Q@X)%5!UV:
MX! \J<0-.]IJNS!*GB6/7Z6M)F /5+'>=X-]%N7!UB"=^W(EFI(XR657TT&=
M+?@#@1#PPS::(@]EQA9O(3I<1==NG)R<WN H67;CU52(DF[E55.PEU8(+4P[
M(1?NC07)#AW:N>R#+L0/YW?=>"X#*#F4/&H5' +@@9@X#[Z_F,^1E^!Y9Z8:
M$974J1,!C4H'!K@(Z(.#I5,WG<^]MT1^&M)1,CMHO G@#NMR<2@@WN<@IOO@
M+U$7I0IU3D@T<D0%0;-$%6%<IY7<06,S?UY6H!X4L9[\MCZXUOA*A9&\<^8*
M,VSG78M^[_M,^-:I,G>&T^0+_:_G$;J:967W/P*9UD2E3O(5:!W'G[R"6Y%;
MK(I.4<<,9HCJEZWP4!QC,J;],%H@=B*TM;=?%T^I"K);,%\Q,G2G##_P061W
M%XPNY^!)JX \+2PE>[)KKF)3#=9_;.H?<!R>W-Q?4%)X*8/H/"#43L_L]FC!
MW^_,J8D0)=FR?ZZ:;#C,4'+ 4J.0RW5RP7FJQ<%J@H@Q&=-):\-.$G^-?-JV
M<$P+\1GX#GDH>&1'O%OI03L12BV0G7U""_*X&2&1QTL4,K-AH"1UP!K _G^?
M<[$*3LFL[-<KIF+@[3 3UPWGV>1Y\;Q&4=QQ)J[&4I(G._2DP;F8B#/P 5-W
MGZ[7(5-E-YRX\?*2KC_:'UDQPE1267-'/8M#*R0X(,(!&8,_KB(W_YD;PFKR
M?HG  .J/5@6NDEHY'*V2VDR,P^0<Z"V;,P$22Y7KP)T%89M04WU ):%U2<1S
M:RA I0502<*!R::&_^=)[UQ2R .;O;)9D_!]L@0K,6;[%:6S '?TD0^K4#>\
M#$B<B-(W]\:[:?T+5FF&?)5E?79Z:G'QBHCMD.US!Z7J.*P^!134Z*!)!:%Y
M^/_8?T0D1EF[)OAW!+\C?TP?TV+C.$Y7+'M6C'?(WT'L1]'V5R^E'DKNTB8]
M+!U;R&J:JV:"'5'9459;IU1=<+K+JBM?Q'#054DGN)/3C?Q+9&R8M,)6ZHSD
MI-74F<Q="]LN(&^0;/_FD@ \55=1@NB')!=TX&YA<:I@E!Q*OE>!Z A(1V .
MDJ>M2T[."'*_^?@IPO-9]GP.STT349A@*AF4KRK<OE&%/A BH/,)(<Z<W[<R
M=$Y;9^1J!%&R)OE$)=:&[0C=:EYJ9(#;HE,_V\50,B0Y/B6&!.2!H/])HP"3
M^Y0.+CXDOH'<2#/Z;9#&O@MI.KA*(N6L=[M$<C%.68Y3"#K06VZ8+SCIQFDM
MF))(.>O=+I%;##+P09(GKO8J0JW$$T/BU$!*TB375W[OV':L57$=V8 ):VN,
MU)97T?-.\C^5Z!FV!2(:HO#0MB1%!E"R(GEC2JR4/,9#I*7VSKUS-$>$()_^
MP3.>PJ^MMW*ZBE%2+#E/5%?_@1)PT?! 9'5E;PU\OZ"6J[;#J3Z@DF;C&QZ'
M/NS6MGTY_)![$.GC=I$QG60H*9<<,FK*M^,<,_\H]/(A!]34LG2'/!QY=,1K
M$WMAB*ID6W+DJ-G>EG3@MIX%//^%X!A2PJ6L3])7MN[ZV@_WNE*5NB&YD(QU
M@XX&K"Y.5AEVWI*."SLWG@U0@VKO\VU],X\VH))WR>/4>%7PT&?\VH;/MR?O
M4)R0P*._LW?%L="^"-:5H^1=<E I>"_MB1:B>:'B[.M!):JH*N6!.'.IE)=2
M$4.Y2I61W&/Z*E.JRHC5Y:!$.PZ<ICO$V[O:C%!5"O"^P@&GNJ-\Z!.&@@(,
M8MR06TP0TU)$1Q4E+XNK-6F?25<M<HCNNQI*U:GP$FJH3E:OS*+D43A;T5@E
ME"+=1ZE^!YV3R"Y^A>VM?R$O2;![X\8)(E]0 I9ZZ8Q3KVK62K)2LR3GI(YF
ME:KB9'6!<$#7X=5QLOJ4CWL=5$DB5!SP*=XJ=;UI-)Y.KGM5( -Y2K6IN']6
MK3;%<:/2V^7A9AHY4(N#KLAS#$K$10G@-UA$D' 2?%=QL&![X'N;W%H(5FJ/
MY#?5FLY0PFYR</X*E?F;4U0'0HV+"@U^ KL"(V01S,+LMMA?,/:?@M T&:<*
M1LERQ44= E'L:8T<@7I@"K4/"E#B*+FJN!Y#YFK8:Y'=1A8A+;O/.W*G@E52
M67$EA4QE'H\C_WC@-HDO4X@'S#([M]E[T@=4\BFY&JOXY/A.6< @B9RXZR"A
M2W%V#8_X0ZS+[Z!RIOW3 %%)I>0"S/ @PIA?'"0>E);L7,:0V;PE63@,<W72
M-GD@R*4MN&%_M^-3#U/%Z ^23Z]@-)>0>6B!2R$D>S1$3G/GV UKBE(JVY+=
M/J&61H!\-\G?-MW_[29%R;ODD"LYUH1(9U3C5<OD.FY2+G90!OHI=S@,+S%Y
M<HF/YSUX;ML+4*J '-97J0(@T,DD@L_UX&BM)?]_4Q<.(&:NJ>T\H7=P&1IA
M&><>4?@V+[L/'>F['DI5DD,'*U6I7*^*-*5YU1Q6-^=M&>:@=K5JQXWH[*_R
M;$ I_X(C(IJUS5TW_0A3*I <B%BI0-ER04C?F8! D9QR'09\H8W$&\S9&_",
M"M._ZK+2?0Q&G04KE4>.:ZQ4'E&1\MJD[F;4PVA3JTBM(]650$JBY2#%2J*'
M[>:3.Z#("93_<A5Y8>K#Y3<7+HEHEXCSGZ;K-H'*/8I4*H'D'JSI[44"HM(+
MHAKP6%1D&X+7YJ Y[-QR,)\C@N#@^!E*GA"*QHL%00LZ8.;OTE$T?WB'5FX
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M4L8 4<FGY%LKP)G?8?LL]]#7-_4M/YW/R]=D],9H#:Z25\D'I>"5RMFY@./
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MJ83%DA*-LM&[J3&T(=JW@H]F>VL$D:5@&MV[(9K.<ZTN[@J_0:L9(N4VX!_
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M &ZI)"XEB%0L!76*6O")Y3D'=I&GT4T:)L&ENPK"#=M\_!6%<%JZJ'[SAW<
MM$&'=]V11103G(Y5Q#37%[-S+A+UY5>F9B?D'[ PX,Y<[QORBX_*%^Z4/9BF
MZ^?PKKBV^@#8" Q?4Z1*4XUP#25LT/=IA!XP#%:\@_)S,&QV*;KQ-?:^J3[3
M%,:&;^]W:=T<-[P7698NW/O]5CZT;AT0R8^.O%!S-U?!UL&JSF*F=N77^U9;
M=W7E+;!C("ID^D2K>QW,47'2$8>!MU$?#=0LO<?O-#@"6,>+V#EMOY:J0K"
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M<NBDC4QFZY&+UHFF[2C;,=?PK"U8CS)K.)9@=1YYU3EJ[:ZO;]"/-'%GN8Z
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MOK0>JL ?>6YM7_D[+IO67 '@\763RFK%(];3>P5*4-S@@HI@-!8C8A1!ML[
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M*\Y;'K6!(,G[\DE"#,Q!+$DISZH6/EW@&=Y%VSG-_KN>M%UK;-[K!(WH-DE
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MWZ6SS@NM%M-XOZ(!Y(^_G-1M[=/9HJ3EZ.?F(*G]EM$]G\J #(ZCKA&V&G5
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M+X(PC-76_+].U?<049P+IN</56-9-7N6'NF:U,GFZ/ Q[;[L'%<E)9F Z50
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M;*#FI@]Q+R//ECRXCN=-MS^LA&AP:]^O1(2[:"HRX%ZCY4K_E=75]"+KW;
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M1?^*%N/T^]OA"'Z_Z.P[YG%%0?. 6!<1$,.- X>:B6'>9304#%/;*?CV$P]
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MO\;H@GT"/\$=(1U/)A>X):ADN4_<(.^2)-(Z7TPU36(&ZXV,6L-VJ_"#CS\
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M"?"'KO0K\.,6HH-DQC92[]',F*/[/#R#2V@"N!%4:P*\5"G*.A$7E2+HWH=
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M]52Q<=6]LG@_/87V,FQG;EDK3:.+:%F+(,KAOK"E.P<E%KBG4HB0;>T<J)6
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M9;#*CRW (@!V!8 ])8X^"NYIDDBKJ'(%>FROAR<A# <J&>6!@ S%>V*)6*H
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M0E556@_)O[?AH5A0$-/OY0BM*XQ\7F0Y<-Z*%'4YZ *4@"VDSSH3P[RT4H?
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MP2IFK><U\C'WI#3,QLK;6&:[/.B\EDRE5+21%:O+2(U6%YH/WAM*0#*GJ4Z
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M7VO:5*'=%?'J*6^(D!V+? 8+-G]=S^X^7,WE@,X%%<.%I1"EQ6P@>V_!L&R
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MX#!>!202=)<^HF/1[O)Q2&_?/5J'NY/A9R_EMBF8*HP!'U*C\T\9T), :XO
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M,.AI]<Y[0)NNL/II=;&^1.G/IU=$RM<,RG]N1,W_^MH/%V(P66G(OC4WH#2
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M3L!MU&'(7O_X)[RV:*"3K2<@Q'A U\=& GU'=;6F1V8"B>IM(NLA%X:O*3%
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MIOT<^-)J3%OO)!;O0.K,)HVY<$Q=*YC$*1P9Y_C<>ZLQG0(H6U:8CG'8HH6
M0P1]JS#MYNJM*P*W\=.BP+)".2'0023CP515(:%4(#+YG JB3S/0E+_ "M-Y
M\#3&/4M4F"H9LD69H1328*S/$",*2)(HI"PLUB%=^R^]PG24F\96F(ZQ\>P4
MHJ2MB[:5,%IRC:[( -;::B,41B*CG1PU0O8U>;^O=9=M<'XXEOMS=7+"W_@W
MKLM1:FP5JB:(+K&5(D5(3K/1DA=%)^%+FJ'(;6OY]P* TV9UB[E[GEJ3AV5^
M3,.C*E+*)A50242V)$G./Y W8+1)6LL+<HX!+N.$W@N0SH29Y\$[H<.7W6S_
MN%CGCWA&Y9_'YQ\O-?N!SALYP7IS$?^PXN_.W^7_N3@^VR#B!SRGHQBD(:TK
MD"BM"#;%]B3((6W"*IR+SEI<;DONI.7;FMA72"T[4N]AC3;ODZM:CUA245)
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M>Y;@!\A55&PW6"9HMD*NLO$[&Y#)^$A5%./U,UG!(? #C'+36'Z ,3:>G1]
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M(,_MS DJSD:K<+TQ\TZ]^D3?X]G'[_#LF+?G\X^K<J1KYA6T*71RS9HQ =9
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M5L(>X)RX=IQONQ;]5O]!5<:J!7/P0C'N@:/1UVV30D('0D<MA-066>OQ7H_
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MYG^M :XOZF*=3UYJNJ@MUBS-!,'+"-IJQDMR29C8F"(;@1S,-MI74?/64A[
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M"6(ND@Q>-#;ZD+P9<);@@=/*AWGX;B+K05/*'\E>C3$P(U6&[$3EJ?(00S:
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M"APB2UA[*]<<:>VA,.TDSY;L%=Z<!5OA_ Q#/1J&:J7(07K&;81VD[?4 =Q
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M>_B?^>)5K<U:<3RI;)1QBCPS%T%IGR$P@V29H6$^F"A,:Z.U![PSMS6&4M0
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MR<EK0T9OG7SGB;-.!0G")>8B><,R=1N"VF8)S09:[07G(AW0*<.8]S4F2\>
M8K6I;+%5FHC)A112:6VI-X3?\&#%T]/!AMJD'-XZ2&MB[6^ZQ_];%6<Z^U_U
MT,_I__WO=)[DFS]<S,_H#/GI=#U5C [.BQSIB68E)Q>3<^L<;+5NB5/ 2^3
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M#I0;\QJ7RZ]5/.MR"IRGGU9GLT]XEM--DLCFVK-V>3)[8^B1,]-6,*WS9W[
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M>24YB)2#]^B"<8-R61_Q4S9^_/F:J6WDW;!"8 WH$L>?\]7G'&=EEM,E]X>
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MP^GLPT67JLLI<S_]_7E1!_:>L&B9D2%!""J#RH(\&9XRZ)"MU4EDRUN_>0^
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M27",QSKBIJ2<>:!]TY@DV]$\,VHT$GOC=Y>;Z.\%55=WN)J8,\XD#U*X6$/
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MP:EQEM9VFI[0ALZ;JN<"T_94-#B9Z0'S+M^G!]!=TJKJ^LYK9%PUI7IW=SJ
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M8];GAUYF;K#%6VMW"%I_0CI?HG'OK5F);ZVUY1_6 %TYTS+F);BC6NA,=#1
M9&1 ;$+-GU#X.V!&Q=4+[<\$#G=I\SB9;FKY%@_(P2Q/9U=^$F&Q&VPRU+>U
M<I0NT-.T3\DTSRJ\Y8_+'P'!_>-O_P=02P,$%     @ $5!N6$/L)J!P9 $
MT^$! !,   !F8F,M,C R,S$R,S%?9S$N:G!G[+T)/)7?OC_^R)0I)3+;A,C8
M8,JTFTPIH@P1NY*93 G9]A9)&4,H8A=)IF2>;;.09&8;]R:9[2VVS9Y^NW/O
M^9XZW\XYW?N_]YYS__?[]%JR6L]:SQH^Z_UY?];ZK!5UA#H-[#VG:Z +T.VB
M Z[1_@#456#/J9L>-^P!>X#VT%''@#/ +KIOS[>?N[X]#/3??C(R,- S,#$R
M,?TI,+/LI@5F)J;=;+M96+\]M-_8V5C9OT6^%?)O67<QTM,SLC(S,;/^AQ]J
M [!O-WT\PP=ZNH/ KGUT]/OHJ"T B%9'QC]5CP[X]X=N%ST#(Q,SK1ILM!?*
M]M*J3T]/JS0CK<:TU"!:.L"PCY%+[.@IIOTFUYD/>G$?NQ?W<K?XZ:)&'M->
MK,3Q&]XA+*P'>/GX!20/24D?EE%25E%5.Z%^YJR.KIZ^P;E+E\W,+2RO6-G=
MM'=P=')V\;GM>\?//^!NZ/VP!^$/'T7$)SQ)3$I^^BPE(_-5UNOL-SFYQ26E
M9>45E5753<TMK6WM[SLZ^_H'!H>&1T91:,S,[.>Y+_,+B[CUKQN;^"W"]LZW
M=M$!]'1_?G[:KGVT=NWZ-@;,W]I%M\OOVPO[&!C%CC)QG3)AONZU_^"Q>[NY
M3\>]+&ID$3]NBN6YX=W+>D!""2V)^]:T/[7LUQH6\I]JV6\-^TN[4  [/1UM
M\.CW 6" 3,J(D 9^",6UOI@E$. O?@4WEV,7X.N>X6S!NW4 Y5N4@K%$/WIU
M,T)Y3D],WTPH_N0:)&6JW'A%C HP[Z9T()DW/0C2AW+04\%;DTS8%GI+G'%#
MGJ#KJ.^%XV>9;U<-LK!HC1\5[JN]=I95X^"Y7)X&L/&;PL=(%P1!ECFTGAW>
MJ%$/@J$@[)I[49,UN%SPGA&H&/9.CM>LRLM\5R^)I#M;>ZJDXS(UXQ-G\^5R
MO3M=PEO64&/X6')PO2;I #9V)1RGV)RNBM5KF^(J#,W"*<2A+V4B'VB:*=G:
M/W&JAV:XLL4GG&4(_Q@69Y,5=R4D..B9#C019X?_0,C!.5)8Q:G G@%R(E0G
MRTD@/*R62=,&9]=>'9- ?K&CN?]<G.7"G3O+\P]6W3%WXFUZVP&T\+C;(/D!
M%7 OY(>:D5]0CL*:X*7JSJXXP^G7V3>'K5Y'.@T-P0Y]*IRVCN0PE18>;S[4
MMO[VX)[%^&"S(E$=8"<D0OK%KC_"/P[UUE0@Y*D5(1:?2O (I (,*(+6&VZ<
M5&NT[#),>>C@Q06TXNXNL0@J</'Y[:^.CQQ*RQY.=RE%3?.M9-_<D<6H0\\F
M-ZBW0%BD>C-P&@M];^^I/K1+7+:KD3GKH=YT-I;/[8"9Z#L^]JKWI&6"!9&1
M"C0V@';SVM1@D21NO>G+J.Q'F\]\C?<M52.::IZM^0IF-^49B(/'8X[$Z?#M
M4LN(WL=C=O+%'@L*6Q@6>9*@@\NDL-1@9QI1:OVU=&@0RKHY13+K<4?(P$G\
M4<NS!I3EBYU,@;*!0VLDX;/5B6O+X5C%4]CW#L.^G*B*)L]Y%MZ=YCON9?)A
M1S_ZM.EMA1<$\>,B:25B$*A""@LN$]:%*%-<H0LH(%WH*RRH-73&.?08GSKT
M#%.I8+LJ2+3V2.3:_2H.K<_4B[]AQ\@ROO\J^9&V.F407 IJBHT&5ZB43"?V
M45@6.0L(%DTB#*Y5*YL(+K[[)DN\WA.OW'>-1:\QOG(5,Y 8W^)B9#VI[4WK
M?/O1Q0-@K&?/"B%=D5WYBELMK\)S>]!QRS3PK.SB2^V/:AOT91K3K(M^4]@[
MS.V&W4)'^]W ]A,*8U8WB2&X-:4<48Y8S/K]^X[OE#<YVR CJ>U6X)6Z;'CC
M6:2]EF$SGJ)6B;V<OA>W%D:ZI(E'>43<?GFLQUVLJB+&HK2F(I%IM/99:$O;
MP=Q=[P;(M&&^ODT%'.&/0-Q(Y[5(;9DBFB@41JNOO'TYX^YZH<1)+K] 7O0
M"I;H$'\</+KR4A#:KC'G_;'1^TTPZ'2O#C?=9RK 4WN8>&61HA#8$TJ+D!1?
M.;UF8+'/<S+V.O*8,RTR1$WJ1:'64"V$> TJ17@Y[<%!,B 4HJ/-VUNKEYPQ
MPHK-#BJFX@J&Q\&=:LLLA:_RFJB *^>V/(*>"BP')E,!@Y1@+9]E6U4J\&(B
MF4(/PF5^'RF(D*8'_9-2TY"5N!B$CZNK0J%+VR)$GG7,<\_Q'F77'S*U(-=Y
M>ZG T@85F#]4_L^K[/_&5,0@J,W*'*&0J5+DU,5ZR][:+F%GX)TU8<C?U'<H
MO\&7G:Y<JWTHG]!.T8F<VIEVF4NC J($\!)-L,5.\B-OX)!DIF4DEH\*1(.^
MC[B9G*3]]4?R/TPVZU/0M,NW5AX0J,L-2\P46ZGJ?'YW6,>2PDP%'I]%;A)5
M*6$GF4=J/:C J1I%$A-X1N_[B#7W12;P'ZE_*]7L1B4N"E5:?7H1_Q+]Z*:#
MROA>N,!\GD@712]P:F<]<CL%T&Z=@>]PC,*GCU(!@1\B(QG!1RE_I/ZMU#RX
MUXRP]MS0D(WM8/1 O15/^;208[IK1CZ<BPJ\A^A1@<)^&M;\T</_Z=3"7'!4
M:8&VC:[[C=XD[O'.\G:IS;<A)5 [*G"P=8WLJ41GQ087Z&$UJAY\NN=EL$I[
MY4[_#P7T]2-G0<QD+\BLC O03N2-IFE(57LJ$-Q.<OHAYGHCXG\XW=7V"$:9
MZYU\Z2U1SPORW(")SC\.%F&4(="ZM38-&D>V%"D)RH%9_I"5ZU1 LF0:3HZE
MD;^%XQ>9JW^2E2X6 ]EFFZ<"FSOPC?W6/#]&?^WKWXI)G0%M'U"$+]W+2_$C
MA4Y3@;>RI+!+N%A2)"]RLV&P6X-R"@L?YJ&<#C[T.VOU;X1\.(V&O3\(V2&G
M4H'3!1'M6# I1)(V>4:1&S+ R"\7$ZBX+;P&7^I4G'.]4;2,G/6KHY4AC7SV
M@B-".B.8]5=".TZ1%+8!WR&#=UAH%?DN]A\HI/O/O3&4Z/!GVN"TZWO><.FR
M^E\Z[\))1FZ3_USXW=A;5/].0H# K)]DY:/0.OAQ?2P5@&33=(5RD>5?_\,O
MUX*_GC;1XFYL42H%JK+A[[4Y=S#(]V9@FFI_7T0S_ZYR7/UM#DKO<OGED?A>
M"$9^%)'_R( 6T^HVN46IS: XE,M^K_5^7:[^"LU'?@?OOU[4U%]ZQ=G<(PH^
M:TF3T;=,P0K.4^N<H93*PG4>Y3._=>+E@5^=EG\ Q1] \0=0_ $4?P#%'T#Q
M!U#\WP$*^L]4@  =)NV'4&+.4 $YLB.MRQ=C'\&GBZ:P1AQG3E<7EY(S5;LD
MSAZD DUB^>R(G-+")I3L)N>FE PE@(RC K/&K4B,N"/\ZRIB0I%RGCQ.:U](
M%[Q1):,DXC#8B72LY64X26RGG8%SYVOA97(JTFUJM!!?31FE @\""'%4@(63
M)#[E0!FA H^T/F>/DJB :B<5B'UJ-U73D;#Z13"@31?^?(=\D@J$WJ("<R7P
M\1HJ4*6^_O4M;]?Z<OGK@\]??1:\-5@6;W.P)GUX#^ZM:^H7[G>)+QGY?6P[
M+?KD-Q.LW[8OTN0"P@1+YS;1 ?Y1X,$9MQ6.(?!5!&<JP/B$P$-DGR3H-> A
M[/52\[:2 PC3DJJJVL'5F+3K7C*RI8^XS3/ACUOWV4O%S=F)D@L@:<CR-5*^
M(7$O3>!C<?NIP 7=8.U06J^\A(T+)"^+8^E/X]H?Y-]^,%SKCA,\@]4+]^7D
MXJ5T]MW:E T%X<.VDM[/H7;W7;EB]KA*Y\)"S=UU.#_<J1!EC)<@OZ P$L0Q
MX2UD,,;C 46)L$Q0V9F RHNDYLRC(D>[?3C(A:.SAR534OT,,A*O?-*/.:1Q
MKFZ-($>:*GZ;1]SMBF!%NBJ&6]0?Z8>)N=[U"X,*H^5%%N0WA2$M%27W^\5*
MTAJM UH:#.;>V9^-.-UQ<$Z5< 9_TAB50&&A21<C!^$,49T*-%I))F FPS%!
MZF!F2C=")/5B^J(B*V0\N'B^3T_:IF3\N&1EC2_Q3$N<J \38:5!^PNAB.@
MO4PHH96QCPJ$N\ ZZP_VE7*<:9JD%U$@%,U,Z!E0/@6)L&3IY]^NT;AS^XR?
M"D[#0&%^)M@S9E7%A=(,+Q^.JI>A?(+S(:^#4<)*980L[*5+Q:X%EW1*75W!
M^YTLL/*M#W*X]ZQ>3[ +L-C'[&MP4F;D\4%2.Q5@Z"H9D(-/HQ%C.$U;/I?B
M47\%&[5.;8<B=?A[B\'30<^]YIE=_!IX!M:0T\N<,<DI:G:O1V!=U3;EI1U;
MC#.3SJ8G!4&MGUEV]UQSHM]8_+9)5:N(?T<%XD>Q8$I[%7SC6=XK0@'N"\:B
M>8T7'*ZI2#Q&R&Q5B=REK^Q^R-_\@(/0:Z$OXG7^R:U3T5-[27!<U_2&K13Y
M.<D0[5N">^D/,DLYP*OS4L9,1>2%<+M6&! 4J&-'FW"&>53@TTL:9 7)@[#Q
MBU1@0]J6"DP9GA3D-@>3)*J19%9>Y%9?+VT2*1328"ALC;Q12E?TWY>7^1%\
M5C&3"@POT%ZXX&9Q^*UK2M1.3*I$NF!55+OWE7W/?,3&/IDC_E+^)Z96GM@?
MO@'_OGC S<22"GS_#;W_PWD9)G^BN"S &)O 2U6?;KU(;>:]F'?V5.*H9_U<
M_JA_K)FA6AQ4TK_A[(LC]HTS!<"MWG_!-OVKYC4'WZ,IKWV*9%@W%7AI\OVK
M9<_0-CXF9?VO8D <XQ\Y/D39\'NRW$*$ ;ZW_SG3[E\S+T21I@GTD=.O(-BU
M6,(9,.8#K2P;VDM^^%C2!\@UHM0HK(L*&'T-2*WOIWQ4\>L!G?UA$&#VM ):
M46F3-$1A]5NQTAQ*!:/%QK[L]?M"5'VM=71GN.CQ=2<['Y?;KK*MDTMFI=8+
MCM7:\(BCE?DU!PL>-G<E>7TN*0[L/#S?;ZWZJ8H*[#L('WQ&XPAGJ<!:T*50
MRAZ%==^J303!KG;[4SX,0I(3>;J&6-XA=64@]:F 63%H^RL52#"D 3E8C K8
M5"(H(>!U??BZU"(SZ>PC*F!.HT//: J\;G/G'J2+#+_P0_= 0*W/S.GE\&#S
M<$55Y4V/6]:WINX$40%ZQX!TK\W8MY?G/L^6QYDCE?&&Q>,C&454 "TY2 7F
M+]*L@/JD6(*!+WR'6Q&^EE48JTWZ>^DT=BD+HG#90"AA;%/$!2<J<#_9@B:T
MI[<H.U; _[*<?\U5P=\74Z+<[6.",.F_F=#L=_3IJN'!XPHW->ZR HOS^?"_
M?"'SN]+I;T2T__"%'\H+5I'^_W]&\+.[TAG(%YR?/0L'. DJ:Q1757(7DIA0
MV+5#5J*QYMN^&G4:%%[>T=L!;[=H4U2KID/4K1V??'7GRT8A H/8WCM$!2K@
M&V\09HW@]4MH*K!"!<@']1;M_QZ"PK1AI/\Q\"XK%.2-MGF<(\-R:2#PXJ[>
MGRU$M$%*VY>/$RU($!K53H,*DNM(/(4D[;+>>O8%];DT.W20*86XHCY^-ZUD
MK$LBH?V6^6#BN<2+">PY7<+C0:DZ@+\4B?LX7CP<_YD 1O>P+]AJT#K]4AN8
MDR+J+*)!\,&8%Q&O"MQ"OG[?X_9U;-6X]&271%$UDZGY^9#=/!^AYN2$>G7*
M:+T4P9H*<'AE^_.>QJXU33T4@,?LOX"U+0S(Z7F[=(=%NEA>?K#@75&Y@>1Q
MS5.W1$[G@%)RA3HV-KGIOJK^$YUE$*=[_S#A_W$1)"1M1L6!YZ*HP'@K%:CL
M))\LI"DYPHG]%*<>\@<(,:KP!=IC&T0C%!7(C6<@V;:I]?,WP"L]9 6ISV2:
M$?H.%!P&O\A#0@ZO&3<8CUFWB0@1PMV)<I3Q=.%2;'B+WK:2\-V)A[U0V^!@
MR=*GTQ+MXD=4]F   "$/ T4?&71MBLK)6_^J4CTV,:B0X[LR#TM$#QU[<.#U
M066;JBJN(,6U4=7>^N3)H?$=VPCIPNZ>X9!_Y'%71**I0+$@$ 5I3 EQO?%#
M]!OX_".G/5G55HHBMB)8\VC0C+&@?TC_N;[;70Z(BP,>7_8U,[@./DL-!I,O
M]WG?L8XPC;KD/BI^VOEE>=BJ@J3E3+2A1LTU::%X@WG960\0[!."%WEKC6\1
M!%"!&\9[#5\20,:5*ND:A%X!KBJ*AKP$;N[#J<;G0M(G3.GTH-N;G)%36#-A
M@V6EPV5P>LI'[$?3+Q?I"LH@('>UPR(PUT N739?KW:)Q,@E,$"@;X2P086S
M26""'SI5"Z335] B $NSVZV//C6O$>]M*)0D$6\@,9S382@WY'RNT'T W#H)
MF1CUK>GUK]TLB3Y<(2!L7YK]6207/#D)<>B:A*LY0[ Z"((4$^*U]8@-B2%]
MQ_+:Y23\4BLJM\NS ;CI)=PIZJ"9EIN7T$ ?$=J"Q.J!OKW\TL86!?L8*!ES
MT 2)5AS:P_EI8GAP\+=ES/QTCY0*4@ 5F#:E L?-'L\Z6R^6TJ!R-VU"?'5/
M)NW+IK"4R3\W[2"JV:=(RL'11X9.2,"'/]_-7IX@\L.ZX<6*^![2\9YF.$$/
MB18CJN+;24:*"I3>V8!Z"Q*T^U!W_6V$'__$1\^C"U;?+?I=&?S@P[HQ+F/^
M)&/GA$K]7/<;^Q/F KDYNO?%)4M,(EQ?+T"N943(1FW\?6'X&^%W!O.$[,^<
MZ/I^DI?]'RUWC?QR-=BG?H8@,HC?%LC?_K8^SDVG_*N+GG8$$.44K4K#RU,[
M/']E6%QD:OV%(CA2G HPKI&/S,1UY%97@E]X&TB]*(S.=ITBR/BUA3JRG4.6
MM ?[QDY5Q^?-3-PX0'Q!!7BBY+1C@@R8Y,$HXW;*47(YY<@DI0D"0$]Y74?;
M2!22%)!"SC1%+O*)"XZYX$;F:*F4E;+)Y3?R.F@Q .*LI9M>"X.Q]%&$2-I8
M<GURQOR0L^OK$6L%+KX!3RT#S?AVR4>TZ:"\V$S9[WP8B>EP)K=0A@F(T>6R
MB<R6'!IAWYR0).T&!Q+7(8ZDHW!>O]7EK"#KP,! P]ME9?<.1DBP"'F],=.A
M!P U8,]@(HWJB]>MD0-T2-UNYEK)I)@MY.9GWJ_*GT5&BZY"VI&C:VBIE>/8
M]25T;)OQ[L;<A620ID[]E8)#0%@Z"W,W=V0Z?R#7GE.B^"=F_3GJERZ%EE@K
MZ5A=7KIT>U$"L^&\^ RW&HM+F&DG[8\U+\?RKES*7=0^03BEM.2!7HMDH3>$
MOW@@9CIF?I:AFCV,%^#R7[2^$>3^PC_T-,[VD3,&PNZJ4AV3!M_58P^W4^]B
MQQWIK%:/Y]>?W>ME/*3D+MYB=>%C:.'"G>$AU<=*JDE^C^7BC 79CZD?$7L2
M<HKA6BA$8HD*[-+^MC2FI5R#? 0O^I@8. ,*&U;E\,%XA'J/'Q]?>*;QJJIW
MHCC(H.+$Q$=5KM=@PRW^9"<S8J9BWS$JT %)F&HOEY)&;4H'?0U?4J.)4!>Q
MRZ-P_BTO/I"<2=E+&0!SOB0D8'U:3195C"9M)DIB%>::/+6=% Z"E4PYSS0*
MY=B+IB_6HIXLFJ;>'TR9.#Z<99YXUR7KA!1OKNOEI@CI-TK_#;L,A?+D'*0K
MY &D./F^^R:<ERWMDLW@'%$Q#"J6V3ZWJ#XQ*BIWL>V85_S+YU$*>N8R!5DR
M9K(#EQ?R*CYUUMU5<S$JN&(E>^=C[ RB/38,7@)OCER+0/)!+9@27EF^98\7
MZO ZS.QVY,5V5MP[S[P>!BR=^-S4;B@/H9$*,'+AM&+;(*@OS5OI? 0+.^\*
M&"OAU/'$U,NB<QHK$&'O$]:P4#4UP:B:*7KPS<)'2'Z*^ AE"%Y1.%I8:^ "
MG6(@G:A(Z.ZK%>,7S=O7.6[KR7;.FR>X[<[KGC=+GWR=[9>20N=RA@R=ML_T
MU"*Q(FN=T:RC>9=:I 1L1+>2GY-JSGR1OVURY<J5A7(O9Y3O*W,\'B?G>8K]
M.I>229B920,  $* C)5TH:(/:D16M0V\+D<CNL/T5F:_8?T+MN_VK"Y<7/C+
MYMP_7*7^FZO7:'A9."FIAP9">"T:,WG5;;M@RTNTA'>X$4!4P&X<N7-^@&[U
MR4^RVA&2*:=WP&08@LPPU/IC[)>_[_!33]?+I#^[7"G[&-$X(12TV0I__(+E
M348$(/T+01;40 76=R=3D XT$R*/QE$X:84_@B_A/<BL--/I'V6?6QO3P,<2
MPE0CE=9&FO&F508P:?_JD8Z@W-@4T.X%O4>^_.^)A:$/DW-N<)I&D"U6TH@6
MG*,U3>KP\%JV%_ F/1RH357/",MY'WTB<*RD,>7D;EF/ V<TN)A/)7Z<1A3%
M+F? '4$LB]J'<%L/P6AQ0MR,[,LW!&)K?%391._LJ7VB[A4/N1Z^H!M >_,$
MR2FK^[M K/(+27%PYRWX!"2ROZXVRMZELGJ-\=38]FQ])]P>#J.Q,#I;/*EB
M$>[@,=J,7ELNQ,8:$PRQJQ,H06^'@3*-]%N^&NV-28MW%OM.@()9,\-VU>Q(
MOV5-E#%_\T7USJ;;QGQOUNDGSOWF$>8&MT]9XB'K&I,T 7P"^4 ;W5'X^S6:
M'K0U@1^_Z.3VY\W4KWXK+,3]_O&<#R]1!A!%?A'NM?MQ:@HKYA_/@D<H<E%"
M3Q71MJH5:FFZTT;&:K?GP?:Q8X[-$!'EP)[[X'VUBC[3QA%WN>Q:M.F'KK+X
M"XU;@0WSO$_LJ1+=:\QXI:ZM-AF?38ZIYZ,,[.BD359H389B)CA(:ZS^7TXG
M= R4!C1V%NN_XHWUD^=7TXPK>]?<EQV1]3 D*V(A(VE5VW@[\W/UPN@VCZ?9
MNT1A*$_9T,6[NK:NV_9?2HB&N9NYLI_A]ZE N6++6K"V1A$YA<:@7A[ ISCD
M!4K%H3DC[GAMWU5\U# M41!<GFS9-NMV6$LE))7RAF'?8]?D_6%Y8?&F@UHI
M@\H3X(6"M&>C]]MZVQHKG89B% UT\*X[QK=1-,"K^OCNOWQ#;CL;'T$NT@S
M@!_V4SK 14R)SAC%AZUW".$M%O2PA.GW!HTI"PTR7V/N-!SSXWS*I5D^WXS.
MQ>1Z-[\NJ..R&9M'%GR\:GLLAA6A950M4>8=],VF1D^&ZQ M**@#8 ;E0% (
M%=A=>XBB1BC"2+2'0WFO48'%RU2@:V(I-#+0GMA2Q!BL)LKDFT6S0EJ'ISBA
M$"^B/J4/)F<L!+4=$AOS>]N)F$^1D !MR*L?.\I^CL5TF@E:,<'>L $O#E_V
MFS8>]=.O'TPPJ\:I1M>>IL"C-/T*A+=V2K\D)$D\13.OMNP!Z"5C/P3=K7;!
M.%]\/7^]',Y=W=75J6U=-V7??H;9>K_9#:_4 CN. <VIK\8]]J5WRTUT>+Z(
MO/LFE=]Y+Y3F_05$3_(JK6TST[3 58MMUI27W[MI_@J>_!0D?D](Z_K^FK>^
MH9_X6=Z_K4 +?KT"W3]Q6LCY^<&!_;_JG_$C&S5O_8&K FY_+ZL%/=&0THOD
MI,WQ^W?#6WL>#ANYKWCM061;^_CD3&J?-7^GB-.?A0''A1@E;E/ N+50R@&"
MXB7"(QP]I*)OPT:@>[5,EOBZZ0Q75,*B\;5,B7B X;'LY[71F@;;(^0*RI$1
MR@1$9(,MDI/%:7D*FZ7)^49QYZ$!33L,=MX^WA5L)[1R,?_XP_&MZT>PSVU<
M4)=BR&,+/',[]9&V'=N5RS:6Y]2@VF6.%4YO2Y+CY^O[BU>'C6D&T$?(WE62
MS1L8"E+FFVN  [<F96AIZ'G08-Y9ZNG&/!VQ^-J<Q:)EW$ -N$_)Q/*&U_Z6
M09_D#,.;21T!XIG,][-"7N0TVQ;4C066$Y$$=YK9D+_GQ2^Z<ISHB03MI@A"
MO;'"6\W@2.V])<-*%W2U*LQ5BV8=2W+X;OIJYN6P9S\^59CT8IBB3:.+1Q3V
MG\?5M97@I*:Y*@UMX-<KATC[#WCF>'([+';?9::79M*^*@,>Y>Z*]%=X$6C]
MQE3_U>EXO8,A^:^NA7!>U'-9;K83YJOVN3HPB8.G!($0DRF?ON+\=V,.Y5U*
MEC0K3;[5!W'1-AY4VCQ&8IF98B098Z/#8V$B_NE=5WK+U!B&!)(0:O&''V\Q
M^#&+AKX7#:%C,*^#)L\@1R$SH&4O#(W6QM!L3V.B1-VG-4=5VZ,$*5_M+N$S
MQ*\+^?ZEE0W$T,]N !UK$<B9_)0*N%"!^_ RO] LG&)ST#DGQ8UM6 \&Q.%2
M%" 0$^U]3$#PH;'T*79Z]CQW-8D0QAM'(I3(9<S=QKC8)\G&4B4+HT:\H,-F
M._6'-!,#;\>O,0]W0PUSRU(WJJ4S*HWU?T\)?CRV]%?QGY."PQ)Q!W63+%AS
M61SL@IES<K6E<<8/2/O18U.\_LTVI?U*=>H3;Q4WV1:&I-TQ)DE^#J+2]%6%
MC]=\J4#D%/;RBI$-<\-P2D4(V+%2RJD,M%>FK#YGIJX@_,'(D0F/F_IBSZ,J
MWXO&OT_S=Y/(RSZA;2D_NQ.@L+)AB+5PW'-<6$CV\G35HB$Z8F*[OM?F)A7@
MO;FI+0[KG>*%NR,%%L$E[<M'"U42T.[:TRC_K9ES8D[N<*1C5KHF,60/>ZYG
M\&?]S@[;+:(ZI1O)@K1'AA^!*A%TT&AGI^BY*=N/D_9#F9YZ/5Y>"L?EHA?]
MZ>E.OP%N@_? A/QYT:"04BH0#N;0E'?,=$HQJWS0;%04Z>:E>&GU@Y'!#<.C
M-%/O4/DBCJ_R(Z(HH\KY;9KUFM0@WEHAS;J'Y=X3&;+=WNW<^KJ#R"2VC-6M
M9-M'-*;GF?[X-Y#Y Z/_"1A]22J=S5)D<?%FC/2GTGC]!IDW_!()G^@F$1":
M2-5KX/Q6NG$11#P?@;-PW-)?0X<FPV'#,T%:6+NH!"K 9>TX[Y# <"Z E?[P
MQV'=Q29T^J',"RC9*]J/_,A<BQMJN,KWTPN'DI5F5_@V$U9FJRMZ#WT8X$5B
M:<0A6L25Q0+OC]U3M$Z?"!%9VEL!P>=?]V@ZLVB\6M_Q@,_]I6&@O[G:S,6B
MMHA=N?>" 6%&>W_.AO2]A.O3W<?1:\&WV8(4=7N7^X8OO"L[+W%4NH&^2JOC
MQ+?EMP2K3<O:<V\'#N>=5M>!%79OPN7CQ>E#DP2.I5ETF][MH!C<B;IC.+?I
M'L9M<M71_T_=]]UR0M'W+/?3[]=>H%2 : 1K.8P3;#L*ZP659$<9-].F]ETW
MRS*<_'/X/*K6#C1?'26Z3_-"<,U#N1>*[-SR070Z[N$M9LV7O[Q>I@),-<HE
MQB4G<);G^#IM/^963]QVWG NN&0C,+"]A7<@5R#:TY42\%[DK%HA;1#)NA_S
MH9KQ V+^[K@=>,'*K25.TSWDSLUB] -KNR,[K+5C^&?D)S3C?G"2S9B%9-0G
M:9AW&$IF;E%WJS?*S!R/XDE'7>\\(F8@E.?.STPO(CD=BXJ<45VVQM1PWINJ
MF" ,D%0#/.6A(%PU:E=2,GR\8I#;<;F"#[3$@AJ1B.>9?3L<GAESE6#OO!F^
MM&>)6/,VV3J@M]6BZV;.#$A)_3)9JA>\INB[^3F0[*YS##6'PJ,TNC3N)_%?
MU#1M02<.1#U@\#PE-(>PO;Z\^H.1^?=\-T\*_LXF[82Z$B:P2+P_P1>.NX2A
M];A\:1"O\?DNKQ-=Y[YHW(AF[I:(CI*1EJ P5?6@(O&%!!NB-$%&D<M_,3!R
MY=*EU.5Z?FQY BCMS9*?(]VUBH?>XXF,]8NK_+-OM"]@+?#&A$S<%D8^?,6&
M"#WEH5UXD^)W#\9[1BKUM;\)"^/-)T%CJ?W!AL_#Q&-.[R9B"?J!8(^'T-(=
MOX05T.!R[43"UZ.6"[E(\Z8LF3H/;*-?\@)/?FTBJAF+;%*, F%-0?NN0*^0
M<Y0$J0 +"512:5W(3#J<<D9XJ*9T3F/%VAG-R9Y$!K.7(FT74'<0F0M89_4+
M42KEY>_RS8>&< PQ? / F]Q*UA=_6A!PD94S4O!/RDB6$R\U[R*-+4[FCS'?
MR[YO=.&K$80[?8T4/Y\4N79=A]OB,.J'3OQMU:! YC<4^L3X%QAZ_>;V=W#[
M:SLB/PM8)*J98NA(,[B)(I^I0)]#X>U"-G(^>+8<2C.ZBU8AY$,NP-:YGV0]
M^G<V$EQO_'(-CD-_MEB0"_O)EM!%AH%?71>)G89O,] J!"F!SYL5_7@\]'<2
M^V_!5I;H2!GL@WU,Y^FO/8S]>I+&;V(Q%E&K1HAI$.M9[V$+J5 O:0:::2^\
MVG*O@?]JDHW3Q9R'N3G]%AX[P\76%;U\-[R4/)\(6[WM@!M(#E9DV-B&RQ,=
M8+WPO9L@OA%8*[@X#(-LF>)!/?.U<88Y04&OGK,HLSPD%C_VXO+M8,Z) N?!
MNB$EV<W(44?TH31L)+HL-=+ZI'T]LK*Q<N#M%)-USACAE?>Q0&!7E$SP"8^1
M+KR)\6A)X_#.5#0-[PGZE(/^]?,NVMHXMV;%H#O>T#<=0$'M%5D!@.F89\T[
MK91JG-E"4TKS11AF$#F7#-?!6[C[N6$:K^<9Y;5BS%X/QE/T\51@_Z1Q7J_3
MXV]66?J+W^R#6-B'J3)%FD9&!;:)*%<2G-\$+*#=[3<"R^4XTSX7L7D^7>)^
MZAX]=7WC+8C"6D.T@#<KP#I3DDGB.\EQ&#BO1R])JP@GH3&\M25>N8Z18E?7
MQ^T,SSF2N&+Q^9!1'WQ!/ZA%/38!C>!E[*T]>1,JH3$>P"OU;OUSF^5&].SF
M"\[QSI^)4"<.>:\6A)-M\J,PXJC @_RR:-"EBB-3"]7W=^EGGQE]0IP.'=B[
MNQ$8*N >>&[E//KRW-'G5V^^?8:KZPF#:<,;C[R].003M'(%<6GODGVF6"MW
M4U5@.&1&2EXR\VAW=\;Z^9N?@8^Z(KH[D6C>-L4'<!$HO1U. PV*DE?NWG_Q
MPM!6N<=S5?\)(P'5J^BX8'O-O;*O"Y/J%2AM-+5;STS8(>*?48&0(%LK9X&5
MF>U)!8*C/\4V$O/XA*2%F+M"]4J<YZOT<ZO>%$19YM.%*V\&*+?B:5S1D;Q&
M8JN:"132-7LK?*)WB>,S".L'&5_ WSV[DQ2QKC@*P;\GN!)-G2NJ;5,= ]!3
M_$[RLX22AI3U *N8N".B1VY>8X]S7.W,9!87LY;1NE,I:Y(7_F9AP-QI\P@A
M@B_W7,%A'YU-R!!Y:.D-;:3C_LW\!O_H\O=7\1_9B44X90A4_B .R[73C%9L
MAK!=F(%'I$O8U/-A55*V?9Y3@2P;-<SDJ*?!'7$QHR/TZC[(TMB5N!G:K'SH
M3>E %-D^<L7 '_6U1SN:(>;Z:H7IIL=MW],QF9".>!NTG5*+)G*.@O%J6,AR
MAQT<8[UR:ZD5IHT3#)@\@ELM^SJY:/J<*\) ^SQPKUQ2C<Y"\B%3G8S_74M+
MF9'$P"4^7YCW"JC-1FD MW1C:<:E5IMC5%Y2:R#PS<83*K![LV8+<H)(&R(!
M9"C)67%%E6CJ_UI1@&0S*(;:>6:\ =K3X$,)RS[K_XC[Z*5#]"K6K[],;,AS
M6QP2WV>Q_U(ZK4,DJB6J)4?6FM#2UQ8"U0TOC$U4#%;4>.31D-R<6?]WG.^_
MD3(C3X!=A,_0M.P]\#1Z:M2P>1^E%Z8VH"DY V;U1ZU_I5DP^5X+!_I1"Q8B
ME[+*:KWD[K.\$_%0.?4.2O:FVU'5\5<D<5?@MPC?;E\9(3^&&M Z8\L@V0)A
M?-22X-A\I]@]]>K@JJ!]0;P0EZK*E1$F62'O(^:RI=O#R\>Q,9P/+W#&4@'W
M'I2@ 2$9A[&<&80:3@<J<LNEJ :_DCCFC%?7]%&Z2'Z>&/UV3J\J24>N;SKW
M#?/PAL67R4R<GPEM:M#X<*.39B"1@Q!I,RA.T"-JD33?(7'@\-L%YH'Z)$-,
MD'%G$F=Y!WVFL:N'RTKY2-H#3YMFMXO5WVQ5)$JP#<0&G\ZB J7,)*[0-EO9
M@<UNMD8KVV<S\/L6J,E,^<\KZ6%!0KO6SL<'/'N5)&A=U2OJZ.@EE,IV?2_
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M_LKQ>>-3HZN71'GY5W4#N1N"E>.'V63=[2U'\7E $$C'>XH1I@*5(6=0>!=
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MY\]Q!Y\P&&1B0[U4??6S\9F>O*O\+4$+AJ(\\;!9,TB'4E0S"U",[==;6.F
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M VVW#0.U]B:I5_ZZ6E.Z;!M#YOPI0/L V8;2)@%.(!KUD^4 ] I"UOZE3BV
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MB!J:I,/V5Y9TDH0#]7O2L9PQ!R#L1V0E((?%L#B##S6>AAA9=SC5YSUWB#L
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MN*QJJ3J1>&I<7&6.PZ[B%O'5IVVWDC1Q^4FPU*P(ED?+_ IG=GZI C45XG(
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M&XU%BYMP-\ZN%NA;C+_\\M:;5C?ESA;GP8_)[!G:3)=45F'TJ2],L"/!QY>
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M7+@6$(^%Q-".5Q$GVF$"J[^6$P/>%E>Q7UQRB*?JWB6TOS<)Y61BM#8EZ"5
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M7 Z$U_?L2U$V_(%W7?&LF5TL WG;W>9KOW3\>TKE*H;13ELS(]B)%G8?I<@
M>Z&H^&;Q>4H]K/T Q-Q*:KIF+BG>*R#W.(/%L74FE;5%:,</X@"=3B0-96A<
M)?OZS0+FK>67DF>P@R$_^2V6;GY7S(-'>;>NOEY45V8\K9UD.T6^1/M"SY9H
M!YLC-C(+G*&+-0V-^U5NB/W^KIR"RY>5--LI6ZE];B>N&+3%['["K+\\6_^
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MVQICIZ=[?TCT<SV\^'[1P8LO)8C75\G%(+_.N;"73[JY\)!$\=.OJ+*>MLG
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M-U*OF1PY)W&<<FA#(FOLW5L!V[[7Y">YU%$9R9I[J)0[&X\6:,D*+PQN&E?
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M? Z4V+@N)5$RFZR?C^-D'$(8XO4BB.J0Z:*37H4W^@'_._;T>1'L@Y%5DU6
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MS,!CEYQ;'%16)K^I%&JN]RFT/IG_@*YY3S;+/:,T\74IN=;;.<W,Y5BSG%G
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MAV^3]=T_?9[_M@CK_WSQ[FL,IK"\2[I"UF!9YNY=1+I=[(/9O4EB<66*H@#
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M*;4HYR:CEXD8(8GJY\A"WJ-0BGB_+/(<^4B_Z&'R[D9<+N(42U/6?./QM82
M<YWOOX>).P7"2Z.6@J=AH][GZ^LK!Y;K]&;D#^A3$@7 19NS*QNQ$9TG6A\=
MTJ*/A#6*&*I8KX1\@I:9-*-&X?B/,,X&'C?=*1PJ\_4"O_Q7AX5 J96)B1]Q
M.U$Z@-<"=N"L=) 6:OVW%;:T"Q;E54<#$KJ*IEX)V//9#%D_LS/.N] @(->[
M3.T*+"W]?.QES+2&UL_1Z;\V@;52^NNKD/>?[TU!^E];P0)&?\0&_AB_,K]V
MO[+-YG_,DOYIEI\R:YCXXZ=HT;]BT?]06NS_0X8$O$RAT7/\T6/"!%YLB5[3
MV8R,>-&AU;.HZ*#[*4?6_(7#0XRX)SO.FRB^P_/R21W.WE*E\7I3/@\P..8/
M,OG7-M!DI&_2"N>S3:XR92)N4N+\+/'N' O#5M12<IFV#>SE9!*W75OT6"7L
MZ%I30(,"V3(51WKHH-7MS3>*DTW7[^H4A];[29].J@D]S_F<R]$2QF-K<1#"
MO@W<D0S8!I)A'VE3GQT<:X_>&BY0E7<R) 2C4@(WEFJ_'PV"_ !V;LRKV SO
ME2LBY@RO%!$<# AC"F)5\;PG AY"\/>5=VB)^&8]8>G;B'?2)U$>_5#\R:U/
MB7\,T?CR9:+KT*4+S\O.UA[@T]J5S.3\3\E2!'@H P**FX))9-4VE725J%R[
MIY@-X5&5',_/$,MK/GSF!Z]I <F[D=FY"!-"!XU/RKJ*C&H3.6M!<F424B^?
MLF]9W$EC.#-RP] '^RF^T_<_/A1T8I5O8=FTOWO:T4+WOJ#DLEG":E#E%(9V
M^2ZVOKSBM"?A:EB<SX!XMRE1F+[ZZ!NF-JCJI=&WLX[DE38T*$VI#B1M3H=@
MWH"P:9VBEG%$1D?O$29);:,:CYY8)[6<'#_$=R?Z>[5 ^[?Q!50DBCU$%,E-
M$LTD=>%=(V5O.T ,[NFX7G5[8B$R^N#+9(+A6>Z/^A+)?K9C>\)>@%87RDG#
M]V_?]8(9OZVZ>.+&C>?6+ZH>Z/)Q\0+Y +"CL<"_]T$;U3K??%A6N71M16J0
M82>1] K"LG1TT3)-P\9;KNO[M1J=@,GE\:LZO%:"W_XVKBO8\!M(S@+V6PIH
MQW9Z_-$7HX,$HX4SW0-F%+M^?*00Q<*<3@R^1<_8!LX_YXSYP]/\5.Y9*2/:
MQ="[B]M:C?W^NZW5_W[\E[NT_\94_]UUAK^?<_&WW8'OYOY& *KFM\+L_\B"
MVOUY]J2042;OR8M$.</NW0*'32L=]!P'G%5">$BKFA(#*Q>_6R5<T'_8!R-A
MH'<>B\X1-MLP.VC[0.\"FC685O0*_?);Y?V[75&S61^B80]&HRU,NQ2!,\.M
MV#)(LWPTE&0*37S$8'Y#N6.\,CKRAOTXJ-C"DVRV[]*H=>AR=XN1%)GG[16?
M9XB/EUN:=-._OI$5JVU8*;<D4L:(.>0BBWY]'4<3%_IM!_BB4_Z/@B_&^ZP3
MY/VU_M0K(7U51@6([-; B$OW)J6XNVC<D;  @>%][+>!FP!GRCJ.R$G514K1
MTQJ$)VB7P'J"<FG)O>\!E;URU QJ^/ZNNXBRIRXW?%@!YQ*+70DH2AZ]B"$<
MTMG 4RI4C/8M!--L'MHBSC9NB7ECAVXB+!*.#3!9FKG2O:OG@#W7\I&;% 0]
M25,,L4C0P1#]J7Y3MHNBZN>PS5F0*F]%)DT[<8N;K]/F9LW-)W,<FF8&4<6T
M NG<B)8:\(WJQV7<V!MYN5X[N%M.<JUZ]? ;X^R6J\$+/3;ZM)-8FSOC^/#!
MXJ[+^_"8)2+9FS)!;L^DZC(F'*'!4LTUMPF+C= ]DM<^CZ-N;9H?8BO>>YI+
MH9GE/LN)J,7;%^)W^;ZV,(V\I #DOJQL)>1?<RXNXGL9,RHO/U@/OUS+&IX7
M$5MVZW'%XZS5$-1+6\F7YYB&X.3(;SG.Z[\9KC"G_18%?,[V^A^47_\\_B9#
M^=JOI*/_<17WKZ;YZ?T?*;PK_UUD!;7X0?ZKVY_5IO_ */D'7O=?F.:O52?*
MN3]IO0(_Y54-[O_I!E[^8PCJM\:_4WC4=,K1UIV2C,--ZNTZH-MGI/2)3UQ'
M\$0K"0"230R2&X[1RQARX KE/?@>1S*1'\VS0)2#UJIM:#[;DE6B;)-P(5^'
MWS8@ZSM D%]Y\ZG"^M*K.7E0OM31Z]N#9P/B ;?2EU\0T*!,(%%2-!*_&)MA
M$I8%# 32"Z5-,5/2QV\JZ H$?WEP$1]X6O!:R@K37K@2K?"8T02<#CU]&W#U
M!O)B&)(+E>$0-@3/+S#)'"TG8F Q9%EV./5$J^+TZIXY1T@KCM\)E.1+I/'@
M&&Q=>!E9UX[4@/STH9)3]_N14H(['"D,K;UW(P:OSLX"YG@GU!7Z(^:-[-D5
MTC6F0RD>JQ]^0/,E2%'UXI"!A;3-L?*YY%/Z)\]#)J,/ 7L,13WS6$(3N((#
M13%FGI-1;NLFY4%5=5-#\47XFI$X+_?++6<U<C4&4+7[D],"2^_B+CZ!E:*7
MKOJ1L*V;J'(8<1^AC8QM(P8<\LB2R(3UKK^.AGVS13KOV'6<S:%Q3PCB4L!P
M0Z^.NJY8\=$\#3W,=-J%M LUXD/->+<KW_)OIZ1-C2_\D!I^^S)&AN?Y[[T5
M?\&W@W^%MV]^.^KX3U/]_I(Q#V,NKEDN>7I(]S;PPK+-"80RSC&]YO 2;HOO
M#V5[_1\GWO\EZ^QW=S7_A4G^?05C,@ED5N(^DGPSFG\=,DIMA?.K:[C/H'G;
MU!M$2?=J"N%C5KW:^[I/O/%&*[27M"_9QV??5$S>#00H67AYVO;25+,GP:A6
MVXJ*^^BK-S;YAX?+"B^--\?8S":-1%ZPV)4J >PX6D>=1A.CJ/*,WIK!CON,
MO4A?TC;P0'E?L(8RBTO>5,2)(;EQLU7)*QR4C[CC$WHU1]7W' W5.!XS$Z+(
M^(S=A76-%^NP P?)\H:D==O<E9'U:$P>G9'M5U[UR(L]0K8U0_ODQ<$GQU/%
M@?0^T('LA$>WK^RRH>F#VC/=,JWIG RR>X';\!MUN?=M(JK2:K?]G9W57%R.
M-Q[0 6[_'^U9PR.8?.0[!I36HQ^*8MALJ3(7Z7#)X]DGA3/HD0\RJ<.UP=X5
MCY:0C+NM"%$H!64=A]8@?G@$>MV=+/Y&?T^6IT6NH[;HL"VVHAC:81-09I/&
M&VB9(G<3Y5;??6/\N3=XX;9O!9GHWC-C9L<D0LZHZ=S+!J98=Y$7(50HZ[<)
M"(VEN*K%.N7,6W_WJ<SJBM2T\:5%1M APSB%6WFZ'I%V%EYZ%Q==72GK&\'*
M(W0=>@/*8T40L7L=,QI(\8RB:A-Z$@;:<G/48".IKF*&W^]* RK=$RXVG\Y[
M>>\%!5\@TH=U:NDQJ.FL](7ZA1YT'*Y\5]+3JQ75WAMOK1M0?3>KK^0<.GIK
MK\1[M ;S^M34!:D&S)_G&')(@T'U<V2W^2&ACA%(*T:@A5NNPM==*HO?N,QE
MA]?,LPO:Q$NO4[\]]SJJ2K\)&I$2\3V-/8 [;A^#%S0;UOF\_@Y9:RASH7$S
MP*FK5O0_LI'3U_*O9*=<.TV6-LBO.A%XJ0:KA*FK*$WH]!BO1QN=,/IE&YAZ
M/N%V=%CE4X"7IF-7755E4EFM-:S,=:F3A*98@('0%FRDK>*%1"ET_D)5XM>I
MA2J]E0G[#[K.20G!.^?8 4+]GAB9\%R#E/S3W9/UXYKA\4+600:9:KE\+PV=
MF<_\W/-_E"":\5N[&)=_P[R%'OWCX/]GXE$4\RM:\B\ _[^"#29H^$F0YE^A
M,K]:KC\?_0N3_,78#Z7\Q::Y[?S9R%\V/_/7FV?TQ\SCCQ'BQAB&<C2((!09
M^R_2$^H<\)"=\T*6>03H;IK6(T=L?_G(\PS3)*5J@\ZS+R-D(DZ@%9UI'5F>
MZS585=3-1#[P6@MCOQ(]>KUVY<"H]JTL-O)"'?>D6,W3\BKK<[MF^9U]L%/'
MM3X=VX$C^:JV3OI9]*&N)XZ8F-0EBXA3(N@O;T,@X*C3+>R-S]=JPXJ+A \M
M)7T-?<N0C'\\>Y(7U=0LJEY-3Y:%N6#'H_!3DS![,)BJ/1_$473CA68OGFC6
M]U5#MW$&6ILB>U4X:&?8??:('RHH/B9-\@>G0)YI/6+_].2>%7-HF4F'$7][
MELS;DK#<)Z"_G-B9>Z]C]IV.T^&( PB2*=C[;U'3%0VBG['3+Z<4Z2G;P%5T
M6(C$6[(X&#LC^I3,TZ::+D)PT,E#:!M5HC]A4V8DG6*< I(:/VJEVQ_G]@ME
M@[E HH/RB$;; *M02&_-7*R$:I#5T@:I1X<4%29[]'1"L\,EO4#4K6B$?DXR
M?_1[32?NXSQA,1D4)3#V#5)P&XB(PGI 1WI:-O?(LR$6\5\3R;JXBY>C3_C[
MVPGOF\]VC-DT.F,HS3CZP,0C;=J[911UK0=4TYO1+)MYPV-,PA#U26OZ0TA(
MX:2:X=UX;[T+5?5]$94[JE>G#-]F$J[I!CSDI^P$W?VIYYB&QAOFWL.TOO='
M;R)WY(%P0]!AVOO ^4"[Q;+QW)RQ\M1EM>1C<D1+R$E]W>!I;M-0@,[_F]4U
M\YHR(9UPSI"3B&J:.R$>U79PTWOG>:<^I)YR^=E+5T2B?=&7I^H,"2M+%:0U
M/*1#/F)85&!8W=!G+#&>XW*\%3Q]]MA%P_BPG@^W3HN_)H1JUK\LV0;PK'VP
MN:^;V\#.L43PW'KB]^_,MZZQ\D]-P!D'@L49(=XHDNSK'UI]%[<!= :.ML_C
M1U_V_^HG,5]H.UN/'<I*H2NAFB$YJ)[N%<;N"I32&0OL4]5G+??F-S#E>'LO
M=2QK;*O)TFLDKMYES74.Z9UFT>W'L>=@UJI?[5)]%S99WK91=MHZRG$;L"W(
MC^".C/<I'KUU-KW>=%)+[K!;HB/.EGSJ8]?(5W+K\.!I1[@F5BI_73/Q] ?-
MDH==K)&;]DYNM-1AQNHFO#AO7H\F'+@-*&<PON#HG<,+NT-LF(^MQI:O^&W(
M2=G91T=B&5Q+=\P>+]+SGLU@#.A*O_J7<#%"=XC7L;5,EWQA;CIGF..S"74;
MV+*/_P>WX?O:@M&_Z?[^;_LD6]UOT=IB5&L#=_^)V\(%[V[*Q>IQ'=;HX@)C
MRERFZX_;J>5Z9GPL-S"6RQ YQA+P_['WWG%-/]W^8&@BO8/4H#05 :4J)<&"
MB A!5#I$0:0)D28!8D(/'4$%!24B(*@4Z5(DE  "*M([)$%%2B"QQ(^F\(MW
M=^_O^SQ[=_>Y^]O=>W]['UZOSU\PS,R9<][G?>:<F4D?^)O.H'_IAQ/45F'^
MTE?I7T;("3/_"S3\FQC_KV*O&A$$G.TG#-<T"V-O6[U-Y_;0S]SU6+3F?Z*Y
M_0=(\R^<XR^_>:$_W=,647R@[67 UDWK8,4#<B+MZL5/XTS;_F>RP_^8EG]E
M8'\5J8$'M>914.7:RP&+0:F%>V'3PF<48V,<^)VM?/Y<E_"_N04P-7$-_.U;
M[ XH/MA24=H)RE3];<UD<@)<HOOY'=!N2.X."&J"!V0GN.K^J[3\RU88]K]+
M]'E.&DKCJ<L7$^<;"YZRV?LL8_/5:-)<'_ZR9W[%%:EW-O_] ;?/WW0D[V0\
M'3A;\)_+4J>S>,]7!=K+6,J;?^#^M^X]<I:K_;-7TH!/;RK*D4"6$K42?NB<
M^'I28_''#BBY6K,PRL)U<>70P$(A9?_C7?=7COS2--KOS!?:;W'$8[D7E\"A
MBV@QG=],=0!&P@F).*V,3 Q@#15CP<VV(]L:7\^C^C\RW]T9K"E,!_4"6.H
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M!;VUTIANN4X]Y#>"%]^87N2R6'=)<W*U9T"=352%W/3WB3MO'MSM.#[ZP.6
MXKW48[OBH"</Z6W^L-T3:0$A^;:T)OLF7/SRI4OFRN;Q7>55>LGXK^<ZCNV
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MGDTI/THC3N-DY<*NTU8QGFA_IC(K#R5"O<,6M:.)94&OBNUV13KWW&:_=UA
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M-;RG[52:;YGK&TSZT-IU)];*QS-M2:/-CDYNO[ZQA=P9@DQIJ!3^ZKMP^AG
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MRKQ@3]O;.RR9R "F,SMB[W(+'%6#+,/O<6B?+@?+>&=9I1AB*Z8!WKL<!U5
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M./? )>U6])+A#2/Q'095'KOD%&JQ3 T_WW#=S:W%0T=>&(>%WWD?5#]I^-K
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M-.D3Z(<Z?M[LD.>+&!;@)&C7-V#5YEPY378XRSL_G*#$18/%^KET;Z*CZXX
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M76[O-:WHELV+M]1]<6="'G^5EG)V= X.=&W ROMY2K8M&S"NVCTB..KMS%4
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MVO#10C*29D^*[7BP+D%[<"GLX:M+O6W[G__Q1O_T;25E__Q]Z)-SO;\#P0M
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M\OA#D/(<9T:QVF/HPWM<5$M9*;R\];(V1O]BD_+L\V-Q/_4]U+3NJRO^Y6_
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M RG]3_ '2SS^=43B;>E=?\3@,BT%3IC5.$S\\59V863GJ;Y74TX'OG4Z.T:
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MM.P-6"FUE3BY'2VB_!B][=?9F1[SXPI?E^?M<ZMKS.^+V''G<J<_2^TZNF=
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M\)_'%%-,YDL:ZBMO<0W**"DK5]2" CU*NW%BXW&MFU<Q0.00]$23&R!*MI9
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M>4YV;ANT'B$==U"H0Z23JTES/X0$N(?\(?G.;U)R70.YG35WCL;1?#<0]J3
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MWS^"_'_Y?_F_+E+B;_\"4$L#!!0    ( !%0;EC:U6K<SIP" .V)&0 4
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M<'<8Z'I5L3\O'AYJP4KMVG]6RY[F^N+S]>_BGHK:AKU//FQD M;RP5 !T&H
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M6K87JO#(.1<YR:($0<:)7%PSED!,@P2&+.,\3CEEF-EXE@XZC.PS#C0"&Y6
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MNN';3WYVZ(RP%T"S:=<++'9C_DD;WAG04H$4V_;G]=RNX)AI/GL.[)4S?>.
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M[^VR< ;TEIM2%6A=GRP:55;A4Y7[!LY2:W^\Z1U(3S3K3Z])6=D[G,])W+^
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MPQ#2(LAA$HD@"*GD2[D:L8I!.A<6IP"D=K?RN5=P\964"[T&5^>+JF_&7SU
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M_DXX@GD:Y+"((TY(RI,LINX%9PX+'IG=KA:J]*Y*3=X<?S6.QU_&4)H1U1@
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M0D>> 4XTX[3<I#%"T8S*?6-C1\.G8 %?E!) :^&S^9Z%T>/W$=V*_%$Z@>Z
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M6BW1YSS+<1YB!"5[<8B(""#%A$ >9X7@1<8RNU/'L14>F?&>JJ^RP(<&Z,2
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M1<*APYR])D8#X>P^<P/A8"C=6^3<(9S-J&(DV$:)L+.&TF?8W0DTQ@_%.Z3
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M*3.YU*4TVK$%HX %253(W2?C<A^*&(.$A@32- Z3)*,LP%;]DZ:"QTYL:35
MO='#L+#9&C^SU3H&*I89K1:0(8GBA]_A9P]E"ZXV>EKAQF(G7?BV8.SZ ^OK
M+R5Q?M>-9+[%/[O1@TLV:'O882$."\2I?&=#GL4A1"E","\(A6$08!I$61B$
M5L-^'/48.Q4U(&?M]0)2L9XO1T^SLNT9NQ1ZPT30^(!:9G7LL)R('MH)'.]L
MT79:O!!YM!-4Q[FDW6YG/]%4'P[PZ@%7S9.J?-7M2H@F2% <P"ABA71?.(*$
MY $4G#..:4HR8CS<])" D?W24*2NF[:><'H0E=.>Q8>M=B[#VDRKB:>G;+E@
M^.G!VTXV!_644<.1J"<_9U\3_@=65 ;-3?55$8;*FS^LEHHE=)[$"25J5T\*
MFD!$$(8D#Q,8Y'*O'\N-!LV(:37X,2$C+[9.++BI@!8\ ZUH3<)K7@)]%*+3
MJ\Z7X78K;VR;S0N^?=CN5NKMAH%5L?<YXTZ4>1^]=+("[W/*#TN[SW[6=61$
M53YB-=:F;I.4VRBYP&F!2!S# B'I>%B0P3S+"$0B25"4Y%C^W&Y2Q#%1([N?
MK6!PO:R;:KWMCOP'9W=M\9_\M<,.Y 1\9IL,/Z#8N::!S&E.',X;Z6WZPU%!
M$P]].&?P_JR'LU>X+G!1+CE[PY?R#\T7^47XQIMFH<]$:_77=NLP#^,P%6K2
M.D\B"I%$%A(JUWU,$U*$:4H9=ZG>-A1O]&6_N/YZ(-IVF9N!:+KF_6'BZ "T
M J#3 "B9,_WOS9%DS[:F>"VWVOET"588>/,/9E(G=A964.Q[#KO+G5M(RH9_
ME/YI[Y#SZGY5->5_Z=#P_4]%S<:W PVZ 21<1@\A)0&4?D1 E 58>1?I9WB"
M,I044<J,6EK]J#-RO.$P]^4R=,W<SG28V7FC5B^H%=NKCE =&@^<ZA$N R6[
MYHR;I<=S5#_X^.N;N$29J1LB/ !WH-/!QUT=>UT?=!%8Q^C;O0SK>9'B, IP
M#@-*L=P(Y1E4J4Z8Y5@4(<[S.+)R8X?%C.R>-D(!Q?5W(!:K']WHZ=7F-RX4
M[D<P,W-.ER-AYW2V('2$WE_.T:?;=[N>-,E7J^MA(=/VN9XT=*_)]?2GW=:K
M[GE:XD5+JZV\1%VK^[Y;W>-R.1=%@B*,<LC3B+=4JR3G&0RR*$N")(UY;E6A
M<5K<R.NW%][SS6_%@S];!2Q+\,^ 9[: _4%BMY O0<-Z29L9Z6EIGQ$VZ1(W
M,WQWJ1M>Y4Z7I[J75O0O3?Q<#ZAZYHPCG)$8PY@I;F6BAH(0%$"4AD'(<1(E
MN9@_\HJL;/CQCHFS^78/A5H<XRGAH%;29Z#6\L%J0 ?U2[GL?FPY-/LDBF8K
MWQ<R=NN^@^1;"TDK> 8&HOVRVITST".)W5%1DW/6G3/Z$$7=V6M\I3%WR[M^
MJS^5["U^Z F1$AHE:1K#4$TV1)SF$,=A"L,0$8)#S@N<V)U>V"DP<A#PV]^_
M_1U(>5 *O#27>09)UZ2F/WQ\9#</%&_^]FVF( 12IQ'(;EP!&2W5>4;\"^<\
MS< YG_PTO(\O+]23+;Q=U<T\)4FL6&X@YX1 Q)@:11:E<J]!49[S%%.[DL[3
MXJ;89JA^!2IE7>IBGL'DZE!<C??A/C9HO#V%A@<G<<C(T5S",V$O[  .&7Y^
MN1^\RFUQWY;W_!U_6-5ETXYF5NY##^Y2N>8/Y2.?XR .!,XCF&<!ARB,*20B
M1'*#$8B$IICD>62SP,^+'#L7*+<C( %/BA3&;HT;H&6VSOUB8+?6E6S0"0=;
MZ?UX/WW&H#3PM^#-K?6TZ T$3KKPS0'87?P65[I2E[1!0WNPT#$MX84^<_BP
MJO[X7M+OMQ5>UH)7UW4W[H*SJ_H;7G!=;3TG. E3$J0P"Q439E $, _EKB/E
M(24D0"1)"CM*DDM5&MF!?-%E*[Q]ZN"YNGT'@C4CR,6/P<SS3 NNG6<:]GH\
MUU/1<6@5X1M,_Y*!RI;8;C -3?6F]0:U']>E'#^43: W"I0UV)@%< V486<?
MF@.+AR^<O;%S7*S0Q*P;O@#<9]/P=F=_4[B_\EKSV;>T'D+_C&F5YF%.HC!C
M$0R2(H,((0YS@CF,>"YRFH7R?T;%\&[B1_:EO>#M;&U]#*M6IA1^^5SG$[@:
M;LE&0\MRBW9D6O,&P-][ %MU6@<X[DSF\SB,.'[YA/ 7G[1\'AB3H<H&=_$U
MA^'W#:D^+40F]W0(XHA(;T.#$.9YC" /"A&A',L8SRB';"!K9-=RE'3_]\M'
M,?Q^\2P&)Q3L7,8I +Q-8_C=VS@&)T0\SV,X]=7P,)!AST3KB0R_OY:1#'NF
MG)_)L'^)_:2F+WS5?=T,!S-M+AA[4_C^QGP,T]:*T^[#V0 [1R%U]W@8=%!I
MI]%)V[M,-BEI3_'A8*3]7]J315^M62EQ^ZC@4WXR20O.$A1!+E25.$L"F!>I
M_&O.:,0BG)+8F!AZY]XC?^,[:: 79\[TO(O!Z45PH65V2\'8*"N:YB/J.U$R
M[]YK,OKE(T8,J9:/?<37R>-VZ-_'?L+]/$]PR.)40$[3 J(H#6&191',(LJ"
M'&-2F$T.LY(Z\M(Z=![W;(ZE4@1H32P3C6:8&FZ-?2-EN2/V 9*'T\L31H]V
MB'E(Y@N?99Z X?R1YJF+[?>XG_F/_UA5?ZG2K/6R;)[>XH>RP0L=A/Z??KN2
M9HBF88H@P@F'"!6IVN@2&+""QB%-2&A6'VTJ<&27(54 2@>P40)T6G1;F_]C
ML>DU O#\SM<W+';^P0 1AUVP$33F6V'?$+GMAR_Y\EAMBVW,/;$W-KK-9!MD
M&Z.&NV2KZ]Q"J"^*XGNUO%HR317^954W%6_*2I^7=?YW,$IYR^20YH2G>91#
M@J)8S:O)8,YY"'G!D8ACD<>)T;;D4D5&]IKO[Q\6JR?.^R#"LB#$&5ZS &L*
MT.Q\ZM>-^ UBX,]1^#,NM=U3Z.6LQJ31V*5@[09H%]_/UX9O;[;!C=BV]W]=
M+18?5M4/7+$Y(46>)1&#11'G$(6%JE*3T5Q:<)K$:<'B$%^V"S15962/M9UD
M,N"NL&0IO@!GUYWA&.A=OET\/!A&':(.P 5_*OU I^"H6TE;E$;;7QHK\L*;
M3EO SN]$K>_HR"W"Y6?QXA^K>_YQA9=O\/*O*_:()0SU>UPM2E[=B+>K95-A
MVJSQHBO^>[JI5-/_6[Q8O,.-U%+]32E5+N^>L6-0)N(@8RGD49Y"5% "24)E
M^(8#S"E%,<NM.H'&57=DE^G 33+NTS%SHJ\'<SM'V^D-E.) :0Z4ZC/0*S\#
MG?K*SPX,Z(N1GU2UG](:*". LF*F'+3^46<)""/0VN&1"V42O'UQI8RK[+1<
M*I, O\>U,HU4QWU[U?%<Z\;2=^5CR?B2U5]XI9M,W^+Z^Q=<LGG,DDQW?!9"
M1KRH$'*;3O,(!E%2T#2C!8^8U3;=3.[8QQ^]7/ @A8'5$CST>K7]X+KWFTG4
MU4#J!^E)=!^X91NX*<:&>W7_R-FYW8T"?7_X1H<9D%JT[>(RX%7\-TH3CUMU
M.]-][<P-I4Z[$;>#8F_?;7FYMVVVO+'<[*O_J%[21[Q0Y?1=,KL@:<81#R'%
M62)]3,%@'A4<9@D/(D(186%FQRMAIX#-DG%BFI >FS^!>US]95UQ;(=DBHJ<
M8Q'"@D4Y1$DL8$[DGXJP"(( Y=)?7WA4[0M'E\2$<BQ\*W14))W3$)[P\9)Z
M4( I0F;]AX$ZDS3FFR Q7GKAE/"73BD8 &.01C"YBV/+WAYG34J31"!<0(S3
M$*)(=>!EN>K T^=F:48",I=A4KF2+Q9<-6;>Y2)BFUUIQFOE#;\KETNUQ2-X
MH:)Q=YZ??:!PAE538@&IB#.(,%=E[B* B*<L8@1CQ%@'U/LEFPRF7I;YL57+
M@#0"0F:.=4+.HU%9CL:F-GIA/B-C$B/?S$7M+,I;_/,K5ZJ6BU+7(^C!U&I@
MDWPPB\UG>#W/,Z0X10N8I9A#1 B5VUB>P0B+G,88Y2&V(A&QE#]R9*3%ZC>]
M^D8NNGFOH%&B9V#)]=QYT67-MK\$7 A.+2-26^3-UON(>-IY@_<:DG:JA<9)
MC8)3(T' <\UF8 NZUF[P>07ZU;UJZO1)DN@$D#?61#OI$],H.D&SSZOH=IN+
MB1:_X.I&-[)PIL^#^LWX'$>YR'DN(!;2<R%&4[F1"U.(\CP@"<5,9-R9;_&8
MU-$WP\]I%Q]PU77FJAAC73/G;)L)HF;.R#-*=@[H.06CE*\.*UH-NL/C3:YM
M%#+&<Q;[YV0\*O&EJ!G/07""H?'LI?:UQ@>V?JO%HGU)Z4J^77*VC[BZXV_Q
M@U:@2V>$(<D195QU+J@-7%+ (@D(3.6^3@1%$&>A$<>2+X5&#HBT1$#Q0^M;
MS(MOO8!]VLN\!(1>LDD;#;N2W0/DCRWNBOJQ=57VU<]>'H!Y=?34#\*M>MK;
M _%38^T3M!,UV%[$3%:C[1.480VWU_LZY@/7I"Y9B:LG15!S(_2;3D_F93P*
M.0H+R"D7$(59"G$1"QA'4<H122,4V3%S'9,T]@8:=Z10^NS79FCQ>8P,$UX^
M++=,?-D8;9_Y.F>0KPS843G39L+.F;N7$3M[@5.HV,\N'XPLOZ+20]2E>N-T
M7%/E\D[N:#<%B%?LG]*/:(*SF^4[3IHYDDLY*PH!TRP.(,(A@W++&4(>R*TH
M26.:!)G%W$*?NAFMAXN'&@[T GBCF,[V"%7&VVY9\58Y54/"I'I6D8Z?AV44
M;DZ'O6O(V9:6J'3;0,<9&#Z)K9I ZCDLJ!ZH"FZ6X-W+/ FKN'/R)^(<>T[V
M9&RC4*\0GHY$_8B:,AKU"LY.1.KWWO8OND^KJKG#=_P;KQY+16>FYW?77WF]
M7BBY'R08^K5:/>=BO!&J$K.>A[C(PSP,8823$")1))!$!8$9"A(>AD&$4&R:
M#KE0EY$CVT_?OM:@ZG5I)]+5.O"K0+U#@2K 0FED[C@O?0SGWUP3@FOWPNH5
M QO-0*L:V.@&E'(M^ZN>][L+]L=IP39_.4T(NML[:73PK5Y$GN Z\?ZY5,)D
MKQU/4 S?-KYNZ9;Z^,P;71-;K52E+'OS]%NM)J=>+Q]YK5]P*@^CWW_SB+ (
M459 G*C3NIRH5M%0;J%X%H6LX#R)T;Q9-7AAE@LQ%VWU"MDH8+S:I"+M4-.'
M3A5 GL O:T4!6R[_)O_?*20W2KU&=KD3"Y#-DBGC0&?W@E"HM:7P0]1^ZU';
MZ *NSJ-FG7RQ!\!3-L9"\*3I&7M =O,U#G=P<SF[^=P/CY_+>9CRE(0T@D6L
M9J2@A$/,4 Q#G@5IE.48"ZL9*8>$C!R)=J<3K;MH]X,_RN:[#$XQ*Q=/@'%Y
MT_MRJ?C/!TD6-3>D&?S=SK4<!A,5&.<8P2@+5;]!EL \+V*84YP+7!"!(LM^
M@TOA="JDV&ZR/6!BYE@OM=/.A1XXS_KP._Q\/0-OUW(#ZK.\ZI1AGESC01&3
M.L%31NZZNY.?=1S_KI@^WJ[N'RK^7=%_//*VG.KCJJZ5:_VP6/WX!V=W_%=<
M+M4/OW*ZP'5=BK)E>WS#Q:I2U5?SD&8<821@G"*Y@AE*8:$FR(NLB%DNH8E2
MJW).?ZJ-[$3;LD*U@:DV&LB(0F_KKV[>?@3-2GK8;JH:__D@C;'T#AZ?DIE/
M>1GL[3R1UA$\4[*O]_Q%J?2WKME&Z0JTLC.@U-W\=E?G&2!::Y55]>?%_$/I
MR?=Y5&Q2C^D?T%T_.X($UXKZUFNH6N=O/S9S:G-4!$D<YS)""@)5>1K+$)2H
MQ"F)69RQ#-L-YSLL9F2ON9DS6:F2[5J*M=RA'@''S,%=;K*=L]I8J\O6E<01
M^OU.&^6M[/R@D(FKRT\9NE]$?O+3CE0^_= 6N?9Y^:@V2-?W#S+ZY^SCAE&9
M(_G+.$\A01F&"&,."4&*M)HG,ASB../<BI#'0.C(RW8[BFBKPPST6ES 46T$
MJ-GB]@V3W5+W@9 ]C8V%R;[(:$Q$3DLI8P'"'C&,S;6N# RDN5[63:5/5W0=
M&F)90O-8P+#(D-PSA106(L(P*Q G <-%E H[;H!=$2.[ R40;"4ZE>D=P,5L
MG5]FK=VJMC34H5?_F"W>^O'W!$S<<W_,P/V^^J.?=*R5Q0M>W\IKKY;LT,BU
MNAN\UB_\+_A)YT)O5V^ZGW*FINZJZ;OU/(^C(I!R8)$7$43R+0[S(.0PX$68
MX8(&)+-:LUZU&WFYRV]5;EF#ZQ5[,[_P8HC:N12M)E1ZZAK&P[,>%8]3JYY*
M(Q$.>@5G8PSM'@4Y7T7%7G6;MA!Y#%CWBI='$6(_K&U *'!U=]>\KW0JY>J^
M,1W>=O0&(SNW@5P@!5>Z4!E(\:LE7ZUKG6KDR[HM5SG32VZ!RFF?Y@T0R^2J
M1RRL9LB=M=5IIMSQNTXV8^ZL8<.9<^<_[!8)_;K&%5XVG->;$M MH?L\944L
M1,9@0/($(HP()+'<DD0IHPQG.0M9;A/9G)0V\F+>RIXY'U2?1LLL%O&&@=WZ
M'9H_*/S>BO87,QA9Z"D&."UKTG>ZD=F[[VBSB]S6]B?Y>E^WPQJNEP_K1H4"
M[U;WN%S.!<F* *$08E0@N65)$20%"R!)XB"-6%#DW(J"\+BHD5?U0##0DH$.
MG_]LA5OF'4X 9K:V_<!@M[!=$;!>UN>-\[2F3PB:=$&?-WAW-1M<X9HIK&2,
MKKJ)55^QC+PJO- EMK<K?=18WF^+0.8BIR%.$P8%8YK>CD),BDC1M5*Y\ 4O
M4LLA*.;"ISELT$1.?3[(FF+4 DK3M.,X -DF)'LM-AU@3S/P;4W^J;((S0I\
MPK54#7SF35O26E5JQH6"L*4I:!6?M57ZZH).^;ZVZPE\7C7@1HCZ!$&N0Y[3
M'CQO&5 +T1/G1NU!V<^:.MS#,9^ZK4!;55_YHUK87_F#_*)^QS6_DKM%_36K
MYSFA!)% E80E%"(:)K @*()1S 5.,.41L8H[3 6/[):V:H"J54+^M]?",CUJ
M"J5AYG,$@"R3FEMLQ*H"G0Y@JP38:N$Q;VEIMZ^4I*G8:;.-EF#L)1)MKW?S
M(H,^U3FA65#$B,,PR@N(!!,0IRF&42@PIKG("T%M^G0&][;R!?:-.+?J$K#8
MRK-;_T,0S):XHVEVJ_BC@3W6B_2 YI[6X?#.DRZU R;MKJ9#'_%!.-<6@W\J
MV5O\\'95]31;4<$R6@0!I '"$(6$R97$U+QK-=^:H01'1B5'-D+'WO27#"K:
M.+HZD;9R1^STLAL+!]M@_Q#96*O%#$@]-)V8TL0+O=L1I"ZA<+L<,9\T;8>0
M&XN'[;3E5EQK1V[U@GQJIXT[S9EVYEKW(JMM '/UB,N%.NR4D8PZ'_UM67&\
M*/^+,U6V_675<F/,@SS%G&4RZ,",0<1$".5/ A@2$=$\3EBH2CK,PP\7)4:.
M4UP;TYSP-,VCC(N2K8LES;.VMHU"4&YDH%)I!K9* :45Z-7R6P?F"HK'2C%K
M%2:O)7,%Z5"UF?.][ .Y;[R28MY^EH:N[]>++F&SE)NLIE1%&<]F@?7]'ADC
MC.,89AF2NZ,LE.Z)!3$LPBP- A2FJ7E,YR!_]&R*T@B\!<]T @.EP,Z4._/0
MQ@7M\_'@R!C:)EQLX7,($5UP-(\61\;3+7#T^+6T"B O .-$+.ERU\G"R@M,
M'D:8E]S&L0FH/\0?G 1^J/A_KOF2/G5'R05E:<!S#@.4IA#%10(+$60P$+P@
M,8IYEEC1\1K(G/ 0?B/9\0S>!$&S:-(S+G9.V!$2^S8?<R-]=?D82)RVR<<<
M@KT>'XM+O74%JLDU\@[L>L.Q\N;IK>H6OA$'/MUV!459GB>T@&FJYCMG(89Y
MDD4PQ#02F$<IR:R8%+QH-;)3T<(5A\*A]CFGMB(_S\+0^4R-L)U[N@A<'[V(
M[F",UZSHH--+=S.ZPVC0[GC!S>V;!&20]G6]X&% DO"JJJ[8ZJ'A[,,"WYEV
M"1R_P\B>2@J&2C)0HF$X+*P!G1;F;0$G<#CM>?Q!8.=*#*P'?RH5/#@4,QN=
M&@).W':RCH#SI@U; @P^[1BSM#,H_Z$)3O#R#5[^=<4>U8C9^CVN%B6O;H3<
M1C45ILT:+S[A1E>'W52?^<_FR[JYJ;I-UCO<\.OEU]5""KM3742W\M'P>1"E
M+ K2  JJ>*&BF$#, AG-R"@F+0K&>4ZMHIEQ]1W9>\AO86H9QXS\? PCG->#
MNIW#ZA0'2G/-, R4[C/0:S\#G?XJ/AI8 'H3%%>Q,@)(*]2?.SN ,F0&RB7H
M;&G[,;4U'F.I:6#W%66-K.VT\=<TT.]%9A.)=2W][!B?K^J:-_55L]E3WZJH
M<"YRE N6JQP7BR%B1&Y=211!CJ*(%:'\961%375&WMA'$_0[9^MN(M.&UKQ5
M13&@#CJK_M3ZV ZH.H.FF6OVB)'ET8,_>!PJ/HV,]E;H>5K:Q/6=1J;OEW6:
M7>;F&+Y4JP?I=)Y484=SM62JN.-![0H&756I0!%F D-*@Q2B0@204/G7.!()
M(CB.2&#%G&$@<V0'T6LPTW5%C>9QV&@QTZU9=A[!!$8SK^ 9'#O/\'&UO(,?
M%:, N)4_UZ=E^FLW0D[<PE!/WL!$XJ0>P0*"7:]@<^G+L>_<?N<5QT*NT'G
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MCG%J%=M[UF_DQ3VLBVP5;F=!;H_<0&\!D"'NQ@:@C9B!H1E V[&300!_*E.
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M)!!A'$&"RPPJO7(F,I)C9R(4!_%.;GP<)4JU+MWKBIV(U@4\KI4!*C;OF [
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M6L@V>Z$LR@26><F2*(N48W5J0CPD+'!,WCN7_U(M!+A2?QN@<W3'RLZ'^4+
MS3EMC=?T26O:BR9(?&ECH:\:DR%1T]:.6!B]5Q-B\\RX2?U12/4;YUUNM;X!
M[?ZX30F<\3Q+BS**(49Q#)$:!^)<$A@QW?0B(BR*\UF;%:PTK5=V,]Q"LLO/
M?%>^]2^^DPJ6VUQ4LE*[,!6\:O>IY\&SBHI<&Y&?AC470E!"2LAX*G6N%X8T
M*PNH@E!.8U%R$8D.UD\+_HJ@KJ6?":F*-<.!:>=3/</CYEH[X6"-CA9_L?G;
M5@.?O=RMS?76R/VTQ(F[N%M#L-_"W?[1<<ZWI0#=Q 5$Y#SC40))H7>C699
MG"8,IKA@>5GF410[)G^^%! \O^OR^_=/M]\MV;R/@) 1FJJ ,56K"T40Y5A"
MDL0<%FDI>$$H+Z+$)9 <#\&(T-$' ':>;+Q9;DZKE1,D_#ML@B='M#/XI#[G
ML&&[[N7(M]RI_B]_DIK?/MS]L7BL=(-RY\;J1P<(/5NT7'!;/>@PZX^O-U>]
M_NKV'0&.FS\\D[Q9[CBA!HP&?WEOMG[2PE&M!(Z/.EE7@9.&]1L,G/[R^?E=
M5TWSI(_!K^67Y>+N5M0/'P5=S:(L(G$D*$P2FJK-$R,0LYS C+&,%KDL26Y%
MMFHO,O"L?9FD-%>"H1KE =!E72]_JOA6EXF>D=%U!$?+@U^OZ#B>Z[X 9BU=
M;WFT?*@5 %J#, E;P]8&2-,Z(O#5DK.& 1A*R3KQI*^#E4^FEEKPST\KY>O7
M_]#1=^@KLEOUEH1F9R[2&"$8(9E!),H2$IP+6&#*TURY"^[F,,8J$MB-J-]6
M?NXQ@"6B8\\&_./DX\!@K15HU=K^:ZO819L/8%0+>9+@!DZPXP5+-5[YS,$-
MK-,'$8[CG=M(Y.KAD52U$K>?&]!68"0ESR):(ACC6$"$*(6$Y0D4&<&B1*)0
MKFM<AY!3HD/?!?6:2:Q5 8=R>LYMYW$28LM+HR# .5XA></LC*8:MN9[[Y9Q
M4O KM<&P!>1X?POK$<:YF_>:D$(TS8?E ^WRAKYMZ'^NN/)LE:RTG.[@A)EV
M&OK6>]TY23,!J5#N07VX<Z9(4Q1C44 L8K4'2^,$TKC(("81EF5:\AA;,?6$
M5S5TNJEZ@5T[6#4Y27NV1SKU'(\M [XO.U_W-MZ"FV]<ZPQZ2E^ K=J@KW?7
MG@VL-3<Y03W=0:?\!0AX2AL>94\N.*"BD[KL\(#ONO@))+K3L!U8971;I=^6
M/T2]T''N;T^D)HO5\S?QV+75W39E)(CP@D88%D3OH8G4+3YS#'F!,D%DP?/"
MJL#I7$4"N_,OO_T&YDNR:"Y O1$.YNZ=+L\">]A;3PFAFR\^G)JO%0-;S<!:
M->VE-Q"/:"9Z%L3VM&]303V."BXHY$X4<3YP&J"-.VOXR:CD?(#0IY?S,M[8
MNH#V\..;F)NL^.4M^:5EWR_GNG+A\[(MDWNONZ_K1GUBT;23*8X92M.R@$6:
MYQ#I@U>22J)6#AHS4?*41,FH8H!Q^EC-P;,K -;:J65CWJ:AKY9@50O2/-7/
M;7&L_K>63=H4(.EZC[HRYXYM12TQ]YB:_7@<,_SH%V9Y$102_Y%I_]WYK"8R
M[JERT9;<0J/*AO_]LE83Y<XD??K,\#\/%&]I_2/5F#B7_SRP]A/XSQQO]#W4
MRX[3AL-LAF2)2I*GL*0QARA-<H@)+6&4T;) 6/ T<:( ."PF</P[@E7P"!S6
M5T1G&NE\ ;3?JWW8Z#$W.P,V^;NW.21DZEN9 4,/W+D,?7MD8X7OM]T:NRW@
MZ1AC&<&<Q[R$#*<%1$5<P)*D B94DI*FE$9NS>N.BPH\)__\._C^=[ 6WDL!
M=^V#<!PKN\GJ!P&W"?OG]ZWE6ZD>V7?MC?/5?^"XH&G;"YPT>*][P.DG1C+Y
MBI5AVZB7NH"6OW_^L]$UT9O-SZ7N46;$S6*9Y9)$:EDE!$-$HQP2(72=AXQD
M490\RY%+SRA[T4ZSW+TSE";T,GVUWSWIJ+5:_$WS>QFE-#V!W.SSR48C1_9?
M>Y#MW$$8Z-S<@T:M)=;I8?7NSS6"V].1R].HN1,".P/@BQ787O"TU,#.@.SQ
M [N/,,[E?!.KJC:;09W]8;I#_:J:6<;C.&<T@T(%"1#Q0A/K)S',2Y8SF0F4
ME9%+T'!83." 82O4)#@!TR/M+RW8,9GB"$AV[N%\T]U<P1BKG:?\L%&>IO<1
M(9-.Y6%#=Z?MB6^/)][K6N=<+M0&?J&/U81R Z9&OTOPW]8FL"A.,D809 @A
MS8.%($Z2%")<D@(G6!:QT]1U$Q]X2O?;".D[ZQ?JN)/N.<!J-]G#@>7F! 9Q
M"E<7<AX,'JGY'(1/3M+G#LPANKX1H[A?E9NCB0^:W5+-53+O=LE9BH6*#B3,
M"55[CYS'$',102FB/$US3*/4JI#RJ(2W<[AW'(1A?^#%-+<IW[;]V,H[?39@
M::G]%?'9%H^[^]VUW,\][J Q Q>TAY^;[.9U4.W^E>KP%T?O)HA.*%\3!'6_
M()1+$D>4P#R*"J@ITF!)2PII7,99H6(5BF.W\O/#@EQ^:J/*T-=B-XQ9SON(
M0_!8[R/.--EY'_'2U@"'C<,V^=M&'!(R]39BP- #VXBA;X\EX/VECQ!T8Z&K
MQ0_1M/%#]Q.,XCSFF6ZD%R'-&),)-4.IA!'CE!+)990ZY3$/"0N\NAO1Z]:^
M/>&N]+0#:-E-6%\8N$W;8^8'F+TV!GIC8!T0-3%[ZFFC]YE/+9X90<_ _W6[
M_*H[:RZ_BJ6^V?^\<*=H&!HD\%15LI]:,'26D%("WGRZ!E_5__?3%,#GY7*U
M6*Y<F!L&D1F>OEY!<9N[CGB$('6P,7P<L</@R-.1.]@8^(+@P>J!UR],^O!4
MU^J!?NH)Q21-$R(T+81:V0LA5,0=<YAF:8(YB8@D3HSX8=6=8M/?%2:]7CG2
M@;=D%TR\'>S=7%J@LJ3.A%"I2].@_0;+DPXH^Q];HG0<^)!E2@-2QRT2FE-]
M67]4 MEJ<__[19!&:#Z1:ZF/?W5%5#PC*,=I5 I(!,\A2B6#.&(29EE:,$;2
MO"BPB[^WEAS8=1M^FZ4$<RW:S7?;@V?GAH- XN916Q4TI;M6HI?:8=2X &NT
MUJKX\XK.QGMR</9R)_55SG#LNAWW =QO</15D:A91>9?Q$K//36L::71'66D
MC B6YBI8QX6Y(Y:01+J)$B<R$R1&)+7B!+*0-<'5<"M=.0HC7L\"9A2POP(Y
MA=?I:Q^/*+@YAJW@"]")!M=RW>#'_3;H%!3V]T(>(1EW0S0(C9_K(DL;!RZ.
M3HTPV162I2G]RR3;1T8>79.J_B_-+?&'2;LU"3:ZP.7/Q9(VHC;E@%>+QR==
M J/M4Q'9.HA3T9ARJKI)16-"LMN:+!JI%-3]W'F*,<\C E,J$A4P$0Q+AE/E
M_ J.N:"1$$[D0H'T#!U>K46!JP5X=_VT<NQ>&>KM6)ZROS[FC@?TFBG%:'P!
M>CJ#G[I6N:\U:-4&+_4VF^=6<].FI^DX.E3@MU;_ B@#/![SAT78UPU!("VG
MO5P("_7>O41@<>.\_?K6<]V M&W/A3DK94%+F):1"E110B#)HDSYZBQ-,L(0
MBAUS" [*"9Y"8*28KL%/#1_=,?@P1EE.22++ C+$,XAX'D/,"K6R)3@2+([B
ME#L=^)Z-T(C5J,-GKAN1;7O&:9S6;9>U)H$ M%MRSH;%;<'8Y%_TFBA[;M V
M:)$G!WU8QJ3N==#,7><X_.61;3D86SZ9;,V;Y;S2^9JNS1F.#A#P5G(C$ZR%
MANG:<-(V7QT<C@N:MIO#28/W.CN<?F($'];'JP_?U6I?,<&_:,ZG39HODX7N
MDE+FJ=X=Q06D&&<PT8E"I,22<:N<H $9H5.!E%2P%@N,7 =:I2.PG#X!\F"L
MXY9BW\X1YSW'#':@B#K?\)'L3PXOVHW,:=BB(9ZF(T].1\$TK/H+=J437QW)
M\DPTM^MWS>GSE3RH/YH]@B[;72X^+A](I7Y,(H\E*I@.4[D*6-,2$LHPS.*2
M8Q'+B/',B=WYI,C 'D<KH(^=C0K@KU:F*W7S:=SL@@6_:+BY)$<@W/F8K6WS
MQ<-\6N"T_,O6 .SQ+ML_Z9Z3^*FN=8[4Y8+,GYNJ<4Y'//9\X'FKQ"X78OG4
MO,RT6ZMAGWEXU/[A*>O+=,>=Y;#5 ?(+3]DX*K7PZ*"3916>,JN?4'CRNR,B
M>,%U"<_ORP>AE^_W9/'O2_Y#-Y[1]8'=OWX3^DA/Z'_\_+30Q&!=?%?&:A6.
MDTBMOU1 %$D*<<XCB&G.DKC,<YY8E_.=I4GH>PY-1@)^WJO'&[TZM6VE[*MX
MSD?:8NLP%7Z.&XQ6,-!ZF? ::.%@K9KR&!RLO]-IUWZCTV_,;N0LI!WV+%,A
M/G)G<R;RGK9!/D :VBR=-?YT6RH?,+S8>'D9<-SV[)]$$X&:"O)OU=W]JKE^
M6C4K8@3H_*-9PC%3 ''(<YU.6)0Q+!&CZJ\9CYA("I)1E\W9*8&!W7\G'NB6
M@FX;LI-(V6W'?-KOYK[7DDT^=2L;](2W.8/^]F:VAGK:F9T4-^F^S-;XW5V9
M]7.^F@9N+G^OI?YKF[ \*U7(ER4TAD649A!E)(.4% (*&14\+V,943%[%'6U
MY-]7I%[937U+Z2XS8%<'M_R+O4XU*T#%7;70-S[ZXV=!W.E?K0!6434O>$R@
M*".D !8YQ$7.H4P3@A-!9)+G'<"?%OR5X5UK<#:X0CF>H+"2I$""4 )QPF*U
MDR&E@A4)2'E9T#PBD23\O-Z69T,Z8LTZW*?1T'JM*U\N'_2-4!A0[=:U %"Y
M+6_GH^2A:^6@S<&:5!Z6^LH]*0>A.-V"<OAQ3USEO<(=G6M8%K'D95I 1C(,
M4<)3B+$LU+(7XY2C.$YQ[D*G>D*>D]L8QZ'*UPS?NI&"<<2 2.6"C'=NS_G(
M?+[\J3<;9Q*=[V!I[35\(>3L+?:IS[TF3%J:%HH!?4?:ZU*A'S;])"?ZD<?<
MCT;=.MS.HDR4HI $YFE!(1)9 <M,>02<"A:E129%26W\@+OHP"[!''[:G[XY
MPG;Z8#,<&#YBA1.=KX/A9G],&0Z_<>>2?G%T.HP<!\7 Z:/C@),=-XXSM'^^
M.'*$D3RU<Q5F7,ON(..Z-L<87Y_T4>6UW#+E?U!AAV:T7A]X=%]L9B7B:9Z*
M!!+$N/*]9:F3NSG,HBPILR)C99([$=>>IT_@K5VKB-X4-]MV#LSHHKG;?W:G
ME3K/N>V:Y9C@?.[;L(OB)L38S<\;Q32ZZV/?9=V>?*I8;X-\KY'&APWRF\/2
M]1,>F?(]P>6+*/=,;:9ESO4#W1Z5KJ=AQVY+'Y=-M6K6AU@IE7&&.8Q%$D-$
M.-5-/2)]B!41D22I($X$#B^'#^S0KA;J(=&L(!7$5*?Q3KKK[O(%)+:;R;&&
MND:/K9QNW^ASRWC( &\[Q!>#3[PA/&38_O[OX+?<MWO?V;W@3R:_S>2SZE89
M+6?+:G.LM/F7ST(TM[K&;9NEA9@LN4PH9!E.($(\@91@!F442<X$3H0]M?69
MN@2>KM^?'AZ(;J,EUV21Q*02V-+H^T#[]+9Q0@S=/,%:L3:,Z!18\U>1%>A7
M^6[_76L(_C(Z IO<.N^(VV\X)T1^W Y4R7N:DQKP;3,#S??1<:8\D3EH-KA+
MI=\%J!9L_F32D33GM?G0_.@U\<I\KB=#96;"A>E+*PB[!UH+0SVD,V^:+D7^
M[W[VL9X0'MC8GBMALIVN)RCZ6U]?0[JO00?8Q$P?IT;]@<RO%NK']6 ^O5JH
MV)+,MT5=QA$_SL5*;)E #8785]$1BKVD')N)/"41%NK5(TH@BG@&RS3",)5E
M4HB,(19;!8S3JAUX96N9'A?ZPJ-SQVJ.S[?B[;WMA&_R]%+X-M^/VZIYF VR
M9P;HV7$!.DM KP)U:\L%V%K3$4#J:YP-A^1+ZL@W^=+M5^.W^?+'+=QO\$?@
MM&Y/_RX&EO@)E9DL&I@>X'[@\ K21YZWD\=J1>:WRV]5\^]_"GT>)?@ZC8]&
M!2_R!'*2E1#%/(9E1@C,HB(2D20HS:QH_2QD!5[-VZH-ULJ_ +6&WO$D?  G
MRU-N/]8[KI5D\6_M[+Z).[7/:7UA"X;6 KXGNKEKIQGXIK]PH;N[/OGH?^1@
MN*^SZ %)TYXSGS9Y[PS9XA%?6;O='Z\WS<^[#YH;4O$9$Y*A%!,8ZPQ3A' $
M<4'U\15AF>0LQZB<+81Z4O#;<Y(A!]6PFA.XG1-[REC/C\O%XJE:/8/']O+2
M^9C9#5G;<VC_0'E,<UC_;:O-YK,&:(5")DA:(1$L47)8^BLG3%I!<SIQTFZ8
MD60.NES\JFF>!(]G/(V*G)<$EH60$$4Y@F64<TB)S(J(98A$L1-M0V_PT,?>
MYBX=5$:8.>?3=U9U9;)6&D-60'Z2FCNZDQ?PV/F*L48[GE,;DUHQ'MD7#NCN
MBV>A/_2TC H'C-KC3CCTG7$SJKUUN26_1+O"%%&FMA\XAQQAS84B$D@%RV":
M)G$D61'SB+H1'.Y(</F1C:(VU!WKU7)<M?.J/4O7Z<>NG9EWD;&;3V=8ZS:E
MNNLR(\GSJGG$!D]3:W?T26?7$=-V)]BQKXUMG;YHEO.*M[MX39GVO+T+(URF
MC& )98;BMN<A3DD.4ZIF&Z5)%N?(K5'Z<6&!5[47HEW;H ] 9+D]]F2XVS1\
M(?6BI29\!G]U_QNHK?EI0[TU,1\0-7'+\M-&[S<HMWAF1':'6#35JOJAMGUK
M^I1+_D-/EP_WZJ<A-)$1NQ?)AE138LI8FB20R#B"2$04EJE,(,M90@E2TSTN
MK=,Y'(4'GO))]'\#TLH'S"C@D$7@BN/IVZF0Z#A&O%M--DQ&^IJ@A:K5IB5+
M5_J Q(;*]'P '?(N @(Y[KXF *!N>1(C$1E*C' =<KI,B)'&ODA]&#O&R 9E
MFC%2WVSHSD6:*5Y4ACG^NJ[NN@L4G5_QL6K,14ES7=_4XJ%Z>M /M=V//BR;
M57.[[!JKF0';56/&68DBGD@8ZZ[Q*,DR2!#-8<1C6HHD*_/,J2@@I+*ACR[Z
M:61=TIYC-[20;\HN5GPK^+NM*=LF:UN-+\QKT+DEZ\SG=2)ET!AT"@!]]6T+
MJ>JTK=XF 'VO.]P4,MT\/A?5[&,70QC2T*KM!O*XK%<S1E#!D,20(9TZ'24Y
MI")6H3?&'.="H#*UBK6'A 3VL&NQ8"L7M(+M_.P@/L/^T9?5CM=$[@9;.RP;
MBP;H/M7CK8]1?]BZEL%!)W$)-F:MI[+5=]TY=B_U!<7MPYV:[WQ5/RSXYSFY
MLR78/?APX'EE9(+;ZL'TD%""A29AT[=7]L2ZAXT>GE1>['6;4<=-!7]IR9YX
M= >M&D6B>WC$R1AT!PWJT^<.?W'DY>8F5WR=_&66S':Z-N^?>W\S6>*S."V)
M^H^ .)94LZ0A2#&)(5/+',]14F01<;H =50@]$ZC5]RRR=;L:W2A"V5['W0U
M+:Y$]ZZPVVTQ0H+I>!3E'4?WF]J18/BZS745/^V-[TAP]FZ%QXXSSEV9G%+-
M(5Z+>WW4\T.T&\\ORT;O$W1%<R4K9K8(VTS4S\K\R^L/5S?Z$?4/"V[&N5%[
MA%JLJK;[7R^;I-%D/.OS2XR+*"U9 HM">3TDXP*2&#,8)2P769SF<>;4*75Z
M$T*'.$R%>3I/4RWT2Y.&SOK6 =W/#KQ3'\ 5^?4WL%BNP+-8 ;5+6]XMJO^M
MGJH6IF:E)5ZL&*!=LA93UNF*PH]J!VB("]+X'VY^]A5^+W:>^FW_"MQ\?5M[
M\,(8\*XUYV] &W0!#B?E[1K:JV@ VF4!;>N%82L+T77M]=Z!IR7F%0R8=)%Z
MO1>TN\R]HB9CTZ?KZH=2YX=85UT\]SK=FLZV,T&+F*",P2S+"XCRN(1E)H7Z
M:\PE9G&29$ZAO(7,P$O1-UW<K$^=3<?4RKP$M?:HQ>5O%^"AUW&ZTLJXIDV?
M1M3.]WO&R?'<:R-\4Q[V_+(;]]4@-B/2H:VM]98"?5KBQ&G/UA#LISK;/^H_
MI-9IC9_GRY^_"WXG?B/5XI"_4TYKAK*D( DO(9<%@R@F*2QS%227C&*>$I%)
MNX:9/I4*[6MV@Q?2"UZ6;17VG=(.J']B.CU4*IW!O5:ZZ?@8MJ'OFGU!1<C^
M ESKMW=^R!KBG9P?A':7DN^T,FH!,$FZ6DM@U+P 6M'-O^YJ:^+.:8)-5_0F
M"!^M57HS :$KB"XAGO/8XUSQYJY]>^7YZ5='W*)VV?63X.L+]_\E2/U9Z;B^
M$A7\LYH9^M/FO5#N1WQXJFL=@E8-(W/]^2R+XH+D108Q92K<0P6!.$HBB'E1
MLB(I<AI;$3Q-HFWP%,(8NSG:L._&S@._&<1]I)!L- >=ZIMDD@N@]0%:_0NP
M-> ":!/,OS6 &B- 9P5HS3#_YL]E3P*W)U\>5M=)G?PDL.]Z_VF$CKRC:_GJ
MKN6F0N3#TK N"*6QZ#5:+;"461E+2&A10D0CM:''>0YC610(Q[1,"[>[.4O!
MH>_D]OCZ](G@"U4<;]]L ;6\=0L D^-MVVF$7+CWW*_:'!'P=<5F*W;:JS5'
M,/:NU%R?']$U=]_;K8E_;^^KFM^0>O7\Q[)>W9&[C9];ULV,E#A-TC2!,E5N
M!HF,0IRF#.81E;Q$B'-J53AVCA*!O<V6(WNEM8"/6@WPT.FA(-XHXM#1=2S>
MPPYH*A1]A'L=K-<2&+6@T0NL%0/7D\+JT"-W GA'ML<-!;-;>]PS\1GJC#MV
MZ.F:XIYI_(M^N.>.==:1@V;W:E:U^1E^?Z+_$FQUN_R#++B6\?Q-</'P: H:
M24L?>B-J0R<QR["*+7%$8<8(A8AA 4F!.<S3DL0LCPN,Q8A#A;'Z!%X;OE3_
M_=25=@)B^NJ9+A5\J3ET&YW T':L<&Q8<>Y+<#H]F +:40N&83]<:P8ZU<!J
M"3;*@:UV%T#IU[), Z4A,"IZW_J?BY7?S?UH;5YC^WXN=$<VZ&</ZU[V\4D%
MWZOGFR<ZK]CG^9*L9@BE>8)9"A-!8X@BY>]HDN7*\_&DY*6(HCBSK??8&SVP
M"VOE@58@,!+M*SSVH1AV/6<;Z.9(7&QS*N8X:L.H*H[]T28KWSAJ2+]NX_B7
M1L88:]+Q0TR@W6TVOUY\TRUG=/L4]86ORT6]_NM[TE3-EVHAKE;BH9EE421P
MBG(H,Y)"%!<,EBE6 4A!="(Z0[F@3A&'3^T"3]Y^:X7++<-W3^%U)@<'IIZI
M4])\JZ\U,&H[1BE>7Z-ES/):+\<Q@O'[7L!?6F=@E/9X2A<$3%\ACE?=I@UX
M0L"Z%_X$$3+2GZLHJR;SW\WE.%EHMMY+_D-W4VX^D7I>Z3WKAVTSDC_(2K<2
M>[ZNOXI?JYNGU76M_O6'J%<?R4I<+;ZIW9-245^4W/Y<SI H2$[T@4!91A 1
M)B#%7$*F8BZ4%DF.I-N.,J2VP:^ID\S120=]-Y9.^ZT@[NC$6[6!UAMHQ8'6
MW-"]&-TO0*>]/AONZ0_6!NBVB=H$%8":IHN=%4";H5OP@,Z2]GI;V>+1M4\!
MN2]7'U37:5W_%+#O+063"!VW-'P33<75UESMT]=GE7^8TIT9021.L(K8<Z:)
M<XN<0)(6'*:"(D'BF$KAE"%Z5%+PM,^-7""KNEEMKX9TIRS'F/HX7G:NU@L*
M;FZR#\#F7N&O5JK'8/6D99Z\T7$YDWJ2D^;N>H'3#W@/[M9G:K-")B(G,8&,
M)6H+3I,2EG$BH$PP%ADJ"\S8;*4;-IP=HJUE.LWJC63K'W7;7>+S[U_>:V9!
M(]E;W+6![>SH:0P8OF.@S;'[),'+KL7A0Y"-Q+<22.Q"X! .[#WJW25TP87:
M@W99*Y<JL%"N:)TKIPNR+J7ZLTZ8,RERNB;N/9GKI[_?"V&"D)F,*>$R3G1J
M,H4HCG3CYY1!@21-)$Y163JQZ@?7./B^+TV\^1]/[^AL[S4]\EY]W\5FGZ<^
M:C7?TM]],UL\HK7?)B]/XB']HAK>OWK2]ZUX9[_P._AVSX+]KPSM-B:*4!)'
MNN@$I4@G#$I8HIQ"@CC%*E1DL?!UFC?)]B],B.BTY_,*@0\7N8D. VP#K8V=
MP'.]PK;0VGP7S^%CF[BM2][F8^@><)>_JD:%<WD424J@U!V9420))(P6,"]Q
MFA>)^@]UNJ(=$A9XOO?*Y7O)27]IR8Z47X.(V<U\7SBX3?I1$)Q!$W#<-N_\
M  =$O1(QP'&CCS,"##SC7A)P(]3;7ZQT<JG\JCN\MF'$>Q4Y5(N[C\J/-*N*
M?12/RZ;2S+KK/^U_M^L*V\R*!)<949,_SXF$*$T8+&/U)QQS+M.,1T)8MZ#P
MKUY@QZ$$PZJ3#&DK&I!.MGV*>X#7,NQK7A]L-^^TU55?RRD--ILRV.D U@J#
MM9XZJ73]YPO]#-QLY-;/7+Z%-V5?IO"Z;VQ< <-KO3FG^H9PP Y4/@00.EE-
M1#C ^M42 :6X+YV&.4)'V1^VI%/=CBXK\QCED80\+=02F$0"TASGD,11*?(D
M9:BPVOX.BPF\E!G!]HYP ([32X\?(]V6D)8ZQFQG>U)/;V9=++=WY7X0&.>2
M#R/AQY.>MFO (PX\/)EG.VU WT-9?'O<SKOO^JS]W@=1KUJB&M%<R^Y3%: G
M29H4"-(T5_MT6B:PS$0&62Z(BM;C+$5.C##^5 OLT?HR=?#!6ZEN&WJ/+\)N
M^_\Z\)X3CKL&=+OOY>.)]^)\RN ?0D]G$AX5F_0$PS^@N^<= 22,Z#LRG]_6
MQ)#!U+5N)-=?VVW;CPR,$=C?*=&@DPWZPAUZD P!,.R^?-KNYHR.F>WQGL+6
MN'&-288&GJX_B85Y+]J4V'P_=.S3JX[8>(7>9QNV]KBD$=)M<F/)$MUZGL,R
M5W]*6$X3FJ=%;->Z*YB&@3U#IZ]>;$T.7*@0R/9]^(Z$ J <-"!Z43.VC8U>
M?!R""S\8HI/'1[;ZO=$PR1'>\=&2JZ#PN8,?GX3.4;E>B-OE[<^E25JYEGN)
M:#A.\BQ-$"QH1""*(@YQ0F(H:%)B3*E(4+!D03L5@V<'>JP*&_L6[!SUZV+K
MYJD=\O\F+> Z$ZA72.FS5/#-9-*<!_ Y27N.DL;YX/4Z\.G7HU@THM/O\]."
M-S=J+MR31O!9(N,(B4A"EM$((J8<*HG* HI81<),N5N:12Y>U49HZ%R];D)+
M+10\KJ7J4LSNSE"TRKDY4RLX[=RC;Y#<'-[FZK03K]MZMX@9#<!&!7]NSL5@
M3X[+2N2DKL@%A%WGXO3L6+IA%?II1J6:=^<[<<D1RI(<2LXY1$F909IP! G.
M:)Z5*,OM6#^/2@CL"'KR7(F"=Z&PF]=G&>@VB7NB J3?'C7$&X/O[O@34_4>
M,6^?D_?8%\?-L<L?I)IKCL?/R_H[F8OOFJC#! 8?!5UMPX1_5JO[:J'" QT9
M7.I*8]TP43>WGVF6L:C$2&U^- D9P032,N.PC$52E@R7*<<ND_)\E4*GXCX)
M\-,(!\N% ,]#7/^A0+>;_M-"Z>8OM 9@JY"N9>J4A7)90ZVN^FRM"]#*O*A\
MFANGH?Y%4Q=]KQ9W<[$EP&B9+LSN2%GESPWY ]23W_*@T*2.SA^ NY[1X\BC
MKN4N^;]NE[IMC_-EW,Z3$US!;3M#FK-=+5L%<29%Q^DF;M=FJ_NW,\QUOW4;
ML-3_Y=L1R\9>N>T.-^5%VQ%3=J[7CGUK;"F/Z<W;ZT.J_[_E&?N@'/K=LGYN
MF]!G"2\3+ HHI* 0E6HS4&(6PU(@1FE9L((XY0M92PX=61SL3JS_NV/ST[WC
M6G5.MJD_$V*[ ",(<*YQA#_,1A0+.=KOK7+(5N[$942.<.S7%+D.,,[5_,^G
M1:7"A">J'FI;)YD@H5W%:!1C29,(YA'#$"4)AI@G$J8(1S')BKPHG4J%AX0%
M=BBM:-#T9 ,NJ%H.GVK7LN%!S.S<A2\DW#Q$!T)?+#"[#__'%#8&>G(!@Z(F
MG?4V1N].=*MGW./PZZ>5.1YIVU<L?XCZ68<GEP\KVWC\^ B!I^J+T/32]'2P
MC\4'[#X=D_LQV6U.]F2"M5#@ H%3;'[:PE$Q^L"PD\7JITWKQ^P6WW8O.]I?
MM#_]]U.U>O[^0.;S#^3QP[)>DPEF<1+E&4:0(YY 1*F*V0N&8!831 I"8Y)8
M5^+:BPU]JJ\%0D8> 5L.]/XX![?A21P.#1^A>*O'!3":J%C\$6A=1E0U.>!E
M7^44!K=Q54\N^/FIA7*W?J VRF&PR6JEW WLUTZ->-I+#\1C'5__6/)*5OKO
M-Z*NEMS\L_K:+$YCEA<D@XE("HCR,H<T(@B6:5F0*).YB/@9[1!=]0E]A-F)
M.:M!GS/&IWWPQ,BY.><3S:\O#G2_7BNI/@*MFMVW)L?^K#Z)(=^!SY:)_M_%
MN1T4QR+GUDS16<IK]E4<"\F)%HNCAWT#G3,,N]^W+7N[)OJ;E7$DJ: (XD+7
ML^0XACA+8DA2E!4E0OIL[=6Z9QS2./":Y95)U=,[LCNT>U/(.ZYY83MIM#2K
MW_K--":C6_4+_5OLJ'%0W[>2JNT7_J"=-08%NV]7^F>V7Y>K=2[YXNYJH7X/
MY3I3,Z6IH"*#G* 4(I*5$"=E"E.2R#S&.!>E51:WM<3PF9O;RX.%5@(\=%KH
MACI:#_N(V ["T_L-[\"X>=<7F!CY8*V CE*U"B-.>>S L=\0> =I7,AO 9:?
M,-[)WH% W6Z<R4)Q)[/ZP;;;@^>2T+97U3-.2%32*-<)*E*YO[*$!-$"2E'$
MI. LYCAQ:4RR*\#)V[EW(?DJ5MW]"[A17U,_=O6C56YN=2_ =_7#[]@+VJ")
M5_9Y8T<!*Z*<JK6AA)1E$418($A+(2 NTXA$*48\<MHNG 786>R\Q,@[$PZ[
MR/P<(UU/]C?V&5$AZ'9?VN"=8K<;_I5H=5\:=YQ*=^=[(PMG=*/Q][H"IW^C
MVB/!>/^\_<H->=8?7?XD-6]/M[=TOHTA#[N])XMKT\R\^;RLI:A,\L@_175W
MK_Q"1_?_FQK<A)N;!J$S)G,2TU3"),8"HDQHSD&90\E87/),I)A)IVJ=-V%6
M8$_2J:+\[3OE<)\:#A[5'K/1=OW-L6;H3<!E6ZCT)I0-&"MKY:'1?B?-86LB
MH,^@_[W.3&#L7-\#]JC/&]#2)*Z4L:"S]@+T[+T :XLWC6*,S>;X FQ[17LL
MTWI3K]%7;=C;,&K:@K2W8?.1]?*-:3<ZW5W4M>"WY%>/[N2+(,T.8]5,\HQD
M>9'#2&(,D<S50EJB".99AI.(9DQ@-EN(.[W%N77*>K=3P,HMXM8M[JEA[2*U
M8-><5'L,;2-JGY",3:(Q*@"E0Y]MZ0)T:M@1YXU)97<SW5\JNZ7<J5/9W> X
MD,KN.,!Y;N1JP98/0DGK*O*[I)59$6>T8(98CB80(48@IGD*<2I8F8B21=*)
M6.Z$O. ;[6YVK-3L&,6:<0HO-T?A 861[J&5;+Q$)QN\ZZ0?WRB,]@HG[/3L
M"XY)>Q4/<,+T8_/^U&/C.3'$?S\IO_'IA_JO6S6*Z=O$<)R+LHA@3,M<[;43
MKB9XE$%<EEC$@M ,IZ[,& ?DA+]EZ:0"(Q9HN:.:7!W#R7(W>K[USE<I[H:/
M(M$8,,LCE<8A*9,3:@R8>HA68^CK;I.5BVKVL;LE^EPMOJ\>5I_J>EE_6"K'
MP/0^X_.<W,U0++.X2!-($=/G8QF#-,TPI)RF41(APDIB,V?MQ(5>F#L%0)?<
M1.;;FP)@U %;?<!?6B/+*6V)YO#,]H^1X[+M$Q[KB>]F]4 -C!JHG?KJ#]L9
M;SG\)!/?S=3U_'=\ZHT>QV_3 V<BRU.$B@)&@F:ZP 9!S.,8\JBD!<&Y0#D?
M<50PH0G3'#:\/&8WQ^O-6SM?[[W6-W*([OB6_C-.RMNK[=:L_Z"3\/UW\9]R
MW-W3_/^L,^W]5S+YP?4!%<8M6N^?FFHAFN:2*<F-2?%8Z]!FIC=73?,D^'6M
M_U>GL']]TIDTU](8T/WKK,@$SE&9Z#3P%**4I&H]D@SF<1QQFA=)'#F=/OE1
M*_0VUH@"E9$U?H'Q] KLUH[I@75;%M;Z@9Z"/4_?$<BV6NA,[;66%Z#54R<K
MM9KZ\_%^,?/DOCTI-:EG]@ODKM/U//K(38"FHQ/\RW)QIX0^:+:+#T]JDZ'\
M^X)_53!U?UGW'RF+B.:I8)"A@D"4TPABB97CE#'A!:$I*ZTJ.D?*#^TA-^1\
M_W ,NAUAM R<PX'C&/RVBG3T- ':JXRTU%=HZ2A]VO!P'#1[(=[(8<;>_K5]
MYC8_^$06$4,IAFF,,H@B1" 6DL(4EPA)G$>H=&I*LBL@^/U>*\[1+>S!8'N+
M-]XXUVN[KLUDB$E]S QOMW([PT]\#7?8N/U[MR/?&SNQZ&J[2NV2R^Y4Z9H2
M*\U(_%/7:*GO?% >H%I]63;-YI3W6FZ.?F^6713R:Z6V@)4:]DO5J*D;)SF*
M!(8XBJF:NFJUIQ27L&0)32,4I4ED=1_P>B8$=PXVE-%[I?-MF>;&-B#U8;NQ
M#FCS+GHG\6J3L#V@7]L(_MI:"3XMU/Z[-MMV9^[-R7]1ME[P+?].7/WL?\A/
M9(23?ZVWY&T9F=R B1>JUWI!^TOAJVGB7D^\WIU_6#Y07:6GQM;4='<+3<M^
MQ97T2E9:_;8TQFSBE88JF.XW"51;] ?-(=G& +,H)P01G$">J%44T;R$%*4Y
MC".,&4EE4DBK=)A0"DX41=M7W09Y"\/+SUO =N099$_="[!5&/0U[MBGP5IG
MH)1^T3VU4_L"O)&W95]2_=IO;5P%]FN]/:?J[9#0#A1[!Q$[66UX2-#ZI>1!
MY8S;IEX_FDAS<6>J)]9BGAWV"#%G:22S I*"8X@X5OM/E,=0,IPC2:(B+@J7
M7>?9&@5>&S?ZF7H*M1O8J.@6Y6M5'7> Y[\LNPW=I*_ ;0GUA7Z8/98WX#QM
MF<[79](=D#?X=C<T_@8>0<\Z)W?-BM1:V--*]Y^HGYK5U=75FHF&HYS+.(9"
MX%SYSSB%."(I9$F2Q3C-$>?VU*O#L@)[QK5TL!$/C'R@%'"@^SR!U^E-@4<4
MW)S3$  CF(Q._G+L24W](3*2L'3,3\.-?=3.Q"%FT1,C3,<::F?*"T90RT=&
M!HDZ5ZQCEA$BI3(M,$SBF$"4QAB2B!8P$TF1)VF"$77**^B-'3IP,RF<8^AU
M^O9;1E#CK'*,A8Q!E\,&N<<P^ZK[BD9Z(T\;5^R;M!<A'/B*^UK?L;MOCD[_
M7-2"S/7N3A^'JJ_$F:"<0!I%:N[$C,)2EAGD<81)PG*J)I+M4C\L*O!4^JU6
M,L!6I+GDL%_83L!T>H7W9[S;C.O2!?OW0Z% L%_<_8$Q;FT_ Q2G%=[.SH$%
M_L0 DZWO=H;TEW?+)]P=UC>U ?JR9/_^L'QXJ-HVIY<+_N?W6S5^\U0_?WXR
M5":;QG88Y43M4F29Z$[=<0*ID!SF<99SFG%,F+7_<I(<V)UI78!Z._\&;*N-
MZ0O]YW>P5@C()X>F=^[@GO9ZP2!S<X(&+:T'Z"EBSK?__/OWOV_QZM09L?%Q
M \[>4P8#<)SC= 32CQ<=A<& 4W4;;S(?.\K,OLL=-X";!V[JU4P3H&IZ!_Z!
M-/>?Y\N?6W[4#Z0MS?E2+<25^JR9H2CF5.($%F4D(!(BAP1'*8PBF5.2YVDI
MK%BQ704']K\;58#6!6AE>C2QNO]NJP_X2VL$C$J6[L09XF$W'!(X-R_L%S-K
M%S(6@*$MI!JSMWU4?]MN'9W%3>)@QH*P]B^CGQ_9K,6^7<QU7=VU5-=_+&NA
MRP,UV[]F_6_>"ZD^ZE+1/U<-(W/]^3]51"J64LX0%X1QM:4ML.YZ++,,TCPM
MH$09*A@B29R6(RK')U'>:IJ>73-^4^LVPK=+D$0Q=NSE,LDKM#O;>CMO)$0?
MLP/)G5LK=!NM6K1EX-H2T[.E =38 CIC0&N-^;<+L#;(8U.7*?'WU=AE$IVG
M;>XRY6O8:_ RJ?#Q[$6-9C&K'Y>UEO_^^9OF-A,*WEOQ:_5>[[AGN,Q2SG@&
M&4-ZV: JI*5E"AGA69JR)(\**^)^)ZFATR?7>H"^(IIT8J.*.W71:2B'W7<P
M@-S<KP4VX"^M!S"*>"8QLC;\+"ZCTU(FIS2R-OP0LY']PR/:0>DLBU7UHUH]
M7R[(_+FIFFNYH4AN;FNR:)2X9=ULJZT7ZT]KP3>)&^WES=7#(V&K:[FAMXBC
MZSJ);H3Z-2Y6E_R'GLT?[C5=QM5B?>GS]& ";O4EW2UK)LLH4AY)P$BB$B+,
M*:19IEQ2A"@E,54?6_4=>)OF!?9]&\9XTC'&LV6S JLE:$3]HU*3^YWN1S!7
MBEBR6;Q-%&VZ:[TYI<-Y]9ZM8&VLR<+;] AH+L#6XO_1;,+K1I,G]:SN)>ZU
M=E^ UG(]7(^%*8XT2T<2@0X T"$ 6@CTJ)O[\0Z%"_U=T\;Q/_J7Y]"Z[,TI
M'_Y0_?^47Z);S[8W^Z*'&L2]/:6GZT;W]FP_< ?RAK4<OR5MV<T^+;CNQ3'+
M8ID7"9&0<()TS;R$99:7,,89C^-$"H:MZ"Z.2IAHJ]GQ#P(EU73G<=]?OL3%
M?B\YVMIQ^T9K0T?M#P\:<]9>\.6(D^_[#AIT:(]W^(OC+APVI<$+_EF(ELA>
MSUY]@]IV:?E=S'E73CQ#),MIFN4PRHC:;DG.(:9(PC@2-,^1**5;IW<GZ8&G
MYX98[L)L>=JDDKE1 MPK+0RI0*/T<+L.< /8[E@_&&QN\WR#F$9**=+UJ;AH
MVZ_K#[O"G]_7\'T?@L_Y='T4#)Y.R=UD3WK:/0J6W5/K<8.,Y<O3QPWZ.%S'
M'I>K3=ARR=N&L\V,IU%9RD+ ,F$$HA)Q6,8J%$B2'*<RR1!)W'I>G!09V-ML
MY #] CN/TRSG'/RL5O?="8R^XZK%BE0+<9RN>"RD=J[&+U"N)Q5K$(QP0%:]
MK>$%V&C@DS+/UEIO+'DG!4Y,C&<+P#X7GO63;EY",#Z[K?EE75_RI=E@F*C7
M8K(??C+XQ&Y%.83V1RP<GJ#G&^<V&=5>D>]TI -VMEK/PF&3!D)[]6 WV1C?
MSK$CPTTRGX9-6<^=$]]ROZ$Q.W&S3'>K\]7BAUK$]<OJ,G#3(B-9+ J8(LT9
M2=,8DBQ3L3Q/!4T)9H5]7<M):8&G6GM49Q2PY)"TPT@2RM7_JUT.)TSM<K"$
MM(PS6")$TI20.$N*V0]1T^7D*/6ENN'D$R!&<RQPFL,DU?EC!:*P9() &A=)
M$K,BETDR6XC55.!LTKU6KPS,Z9LFK[\&-P_>FRYF1V:8[[;B1R3_GP;$_@+$
M*S#C[B-. .3G_-_:SH'C^--C3'8Z;FU._[#:_J%Q&\HMK9TC2?#^@^&F8X]S
M,@A3\'%;/.U=#@B8=*]RW,#=O<G -]UCK'42^!>A-CIB2^*?93QGF$$F5+R
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M?QWTEB&16;2.G<"=SK!\RO[V_%C_B UK?_N5U[SZSOM-)99)$*$L)PP&:5Q
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M,W!&(4X(@IPG0HT*YDEFU Q\%!>S[&K:<*!NJ=9JM-P";+AAC'8<Q.=MG5F
ML],.'4M \@1^Z;@"BJU?VT$O+6?@<@..I>196$4COK[F'4#GP-BQ#^B$6-MU
M QV+T5!/4.=WS]<9=*SX3_J#CGZ9W3%05]NE*JZ7/I^^4E#1D[B@-$QY!I,$
M,X@BE$#YFPBF"&&2I *CT*C%\Y%W3ZRRO_+O*SV]76425"NY+YJ<7JOHTC%(
MAI7Q2$'M5*RKC,9;>D":(=-+/M8SN^2_#B;7L3?.LCT'1.DVW=!'[*^IWY??
M>75!ZFV%Z789BC@A5%I)O* "(LH"B 4-8(YY%JI1WHP8Y>R^>//$VTC3DM^G
MEIKAOGDI__"N&265W9XQ%LCJ^ODH\T[WSD_?--N%\U$!^C?-QS_@F.16TM6G
MLJ[?X_KNX[K\\5?.;OG[W;V^5/G.?\>KC?KSA9!?V!O\<QD$O& !2J'<06IZ
MB2 0$YI#@4C!TCP4*>-6J5MV]"?>8FI.V&Y3<;S6A8"WDKJ:)T E<T!([L"=
M8J_Q-IK4UY_J/W_Y)?U59\?_Y9<H^'4!)(4'3A7_ZT?+Y"_+Y3"+1DP(LMV.
MO[AZ?[D B@V@^ ":$?F+/2M \0)^4=Q('+%B2 4A/6:-N4'A*X_,DOJ\F65N
MT+S(-7-\C9O^^K8C-?_G3MH(OWU7%OIA!"OC+.8\BV&0IZ$\YE,.BSA2SDR(
M LX(-^S[?9;2Q#KI0!<TA.TTRFF S'2'%['MM,0+B3V/GS46S=.N/TUGUOU]
M5MSG._G\ R,+9-KAM=JUED[SKE+U9FV<G0J1L3"6-D;*Y?\(02&.B@ 6.8[C
MA!41(853K<P T<G]X)::8V7,$%QFF]DW"';[NM_'9T]T@HL*&RE]U\X,D7R=
M,AH#$$Y6U)@\ZZ8#FLPLE;-UM>%?5_6?[[">JJK3MI8H3(,(I07,<)I"%$0"
MDH3(S9\Q+L'(PSRT:OHR2&WB7=\EK^+A^G4'E,SVO#?9[3;[0#ZE8@)J+IYG
M5"[:0?3^=(&1])Z4P#"M67>_D=C/M[W90_87FM*K;H+DEYM#:%PW.Y$&QHJM
M<*7Z"059D84)P3 ,"@Q1C')8<)52&8J<T# D>9A:YF$9$9XG#>O08J[:<]+T
M$:I[O%A>8YH!.ZPF_.+DI"I4U*7%YW+3NPC3EV:@SX-O:,QO'+U#Y':[Z $J
MJTM$*[$'+@S-WC/;Y:"56/V+0+L'1[I';37SACW)+M$6&;O:[.TQ^8$OI>HQ
MU?Q33RQ4SS=9\9S>;5;2B:L_K3;\<LOOY;<^1:+($(89"7.(DE -BRTH#&D2
M)86(11P83:">B^&)#;1>&?_EYF&G>KYU74/_:X<WV]6V"4U>;D19W0^W-G^=
M!;5T_M[ ,KDZCJ#GD;2KI0/O>[[ @3'PAV(-:-ZF\"XGAM&W9SH5NZ_CU4X,
M_DF/>&JZCE%P>L?9;LVOQ.\[7$F=Q?D56:]NFUY9AY OSK@\M<(0HDP%U3#*
M( F"$*88H8#0E*:140Z))=VI(^0M%^HJKN6CK$"/$<N(N2&8AO%S_Q!91M//
MH0/^N-$FY#0Q=COQ?47<#:G.&W^W@^)%--[R<3=-\HE+!7>8<_=)=2CM5-UC
MEP;W8<>7.&9IA'$,8Q)*=QW% A:!2&"!!<-A&.0D3VP&59H2MM(EKN,JU[KA
M[T-+U4Y]&"-HIC^FP,5.@30<]&94 LW$8E]N\+@ VQ(0KIN^^%,=MI)[TAW&
M9&=5'K9@/-<>UL_/,MCRH_2K#L/5/LIOX-!TM7]4JRTOA5@6A)(P*1 LB"C4
M]0"#>:RZ;A*6D*Q(,Q$)BU#AK,S/$VZ,@K"8=.REX\H9>JIO9B'F'(.IQ'@Z
M!5.)<G8,Y@)T$KW:0,QQ"_ Z@S$=>7[M_LK3+</(09DCB3OZO<K!UC[XN[*J
MRA^<[;.<,:=)%D0<L@RI'H,\EZZN_$D0EA=%F,>9L$O_.DEJ8N^V(P?$;L/J
M_[#T94\#9.B^>A';TF/=TP1[X7UFB9O+YLL=/4UH7@_TK, OG,[S3_C+ 5,#
M+_ZV*4G-*ZUNFOBNZNPN]=!ZU?5Y[X74=#3N6GZ-[M0@C641\CB+XQ1B'G"(
M0AQ"+/("TIP5*<LY(<BJ&_L43$ZL+?9TP/_9FQ+V(;!)5L?REN*5,'>]F5@\
MN9K0 X'Z+'>7%4^9[N?!:;[;JZ<%V/,^;5J<+V0G3*,;S>*KI]WY MDD3<\;
M+3>UWB8//6O#MK<YLIRG11:&,,BE9894FR7"N( A)1D+HY06A96"'B8WL:I]
MWA;03L6>0<I,6?J3WT[M631+G,1R,Y/;DU(Z0VQ6]6(F^'-%8?B4VY;OU_D<
M\M$#1I,"XPCR4&"YTU$,<X83U48HR((\9 5+;';Z42H3;_#W3\K^K//VCP-C
MMK%'BVNWGY]6Y$V3E3\HDJ>M>IS&K#MT4,SG&W/XP_:9MB>G9G'V#[ZZO=M*
M_ZW1 5WHYBO><EV*UQ^FM:0)C;B:LIJH6?:()S$L:)I!%%!Y7*=Q%$;4M)&0
M)YXFWNO[64Z5) XJSG:T.=9^M#Q"W)YK\GN@U>9.#\GH/=75J][WN#9/6/6U
M=,/ZY946Q$?\O.-Q 3HN0<OF/I"N&C)SH#E],JUQ_E4P3RQ^A=5P2SV>;U6L
M,I0]XS>0P^R+TFQ9SIZAZ>=!^W[U---LO^S4>7HEWK<JNXZ6>28(SK, T@B%
M\CQ+I5TJBDAZH!3S/,8)8L+G\-J7+$Q\D#4$5;*7:A%J&_>S!]3Y1M<C3/Z.
MEY:=!3C N&=IOM&SI]&8:=+L$09>^^+3$"#;.;(#;W)WA]7___;/G22W;BIG
MI:.]HEM52U??76S8TU_T/MGT#+O<-)/!NPGA\M_-M>MO/YN^ETJ7_B8$5Q$U
MRJ,"Y4@ZUDC:YT4<PB*+"B@0C9(LRA.A^O&8I^'-R_[$R7RJ6FK5<J-*[U0?
MGT73S8<?N-8%!-5>)OUW>T]_QC4/,:)Q$G&8\3B79YC\'Y)G.8R%2#(2$)P%
M5B,GWO":N[5PVJ_Y+ZSEY]=N^?5B/_\&O.G5-@\8O<TUM(]$M1VB>@RJ>[+]
M_FP^HM;QV2^?/M'V7[S<?Q<ZN7Y=@+UHH).M<5(:Z?S&O.9?%8_!M!F9GSU*
M-__"' O_O0(7KKE6U?>5LJ3:$JCM_OKQTZ&R-,EH' @L3Z8T4MX5AD4AK1$<
MBBS&61+%W"AN:$%SXN-DST$WWQEO0:\<T:C$T!E.,]7O&20[?>T#'X?$+6.)
MO65PG:<X<RJ7,00O<[K,'W5L[B.UU/;Q?7G_4&ZDJOI0WN/59LFH0 @5$<Q$
MG$"4%0(6N?PI+Z(D3M-0Q"BW:NISC,K$ZJ"A"?9$P1\-6<O-?QP@L^T^6FR[
M#6XOL7V/GB&)?/7F.4ICWIX\0V*^Z,4S^&&G'CP?5C79R6^\"OU?B:[FYTKH
M.&&C%%3B=J6[VM?[P,F%:F2K4T"7F<!YAFD.4QYG$!$6P!QQ"C.2"A:''*4A
MMV_1,YHOHR__Z)(:Y5BR'JLJ-MA5"*J?]1P24+?\ E%6H-0<6S6M&;](YR\
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M<@P$Q(5 ,"5%07C.0YX:W3 949MX;[_'#RO5Z7>KFSML) .6F=7#4)DYAMX
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MLGIL1L;HX3%,94!6M?Z _JWA'!GW93A_IDP.KO6U<QLZT/PL0(\C<& )2)[
M@:G&GIX:3/-38W)0W0Z+2<"U.B!& 3-P+KB]=[;C8)38_5-@W(O<XB-_Q]5*
M^2K=$+S?-EOIOJ@IS%5]MWJ0]*CZ)M[R)0K"B. T@!F..40\"2#.DP+25'D1
M81X09E5]:$QY8F6_IWB8Y+E2HUNZYG)V\0]S/,V"'I.@9*>U.Q8.\S4;)A;@
MOW9XO=KJVV[YI5/_5']H_GVYT>T<FE3N \8'AOW%0*PQ\A3X,*<[:[3#&H[G
M(0[[%SCD&7:58[_S\K;"#W<KBM>ZAE 4:9 F80Q1FJI;R#2"A)(<)D6>!#S$
M%,=&:=V#5";6*7URY\H,+: 95AG>!+93#S:RVJ40GI-E3.[@R7?/ES1X3KPG
MV8)G/SQ=O<47*4N;[![$F#.4$!C'D=R;6 T:30(*TSQ+HE@-'LVI[Y*+ _F)
M-VU7=7&A.TM.5W31P_.\!S<M2I8[W:Y>X,#2I!CZ+\!PPW*6&@P#3"<IPW@)
MB8=*C-Y+WUPQQDN!7>HQCKS%M>>]ZD5Z@W\>FWB6QX20D.4PPJH"-HECF.>I
M@ Q%-(CDOT5BE<X]1&QB'?R1,U5#O #ZP%OHM*M/I;(L)#NVN9^#H)FY7[Z@
ML%.T#56=7S/YQ#@3";VUHA\@-7/S^?-"OVPW;_",K\QNU6]*72U_W&TEG>X/
MS5#@6IDE'Z6/O8QPQ E5N9I)2""*40@+E!&8)3%'(8LX+\BX9&\C/B;6"?)[
ME(]-^C;#TTPGS("2G;HXGAK>,04:K@Y_;?A::.L6*,ZF3!>W@F:R#'(S+EXY
MJ=P*JO-YYG:O<U-<7_F#_$[>X9I?W%9<.ZCU/FK4M,QK1S&K*19A'&,8T:*
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M\B9E%$;V:LU28%\JRY3LO.K($HP7JL;V><?F%V7)?JS6ZW[)4(!P+((LAD7
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MB0@B@7.81Q1!1B.21R*EA#&GK/N7M*8^NU>WFY58475U\;=-2=0H:'WN-)R
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M456*'4$=.'Y\V7[D&K^H7UW\Q!73__B;5&F39!#.F0C3C) (BBQ2U,\YA;G
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M$A+$"$0)YQ"E10QSS 7$,0JB*,88VY$$F @=V2\H%1I&?-"/-O]HA+N&V\=
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MX1'.291 %#%55!_)(#41# H1A31,@B+&H5V0VA]^Y%6T%>9T"_0&"M/XT]5
MVS.HC6V_\@7S?L.SWPYOH>*KP2>.#/<9MAL([OV4=^JC-R7E?;Z-AI-C>7<A
MY.]^2'WDSXIXXVOYS.=Q1 7*PQ"F&0MEW"A7J&913T5$:9(F+,=6/2G\JSCR
MVHZ"V#(E;X19,#R3.BNVEC'O<=JB?;08;VB+.KT!5HJ#5O.6S4CJ/@F;T4!<
MQR<O<E7PO7 5#038@IIHJ*3QV>H^/_&_E^O[<GFUY$K\E=@A/!-I)BC+*"0"
M!Q )AF&.8PX%+F@J1:4H,VH5.HYZH[OJ"(W'06> _F W/3*F7EUTGUE..UVI
MXGD8Y,Q!.@-9G(%R[\77#@!V" 6<A12_/3"V'3=^72T49T]'\7ZU[*5R5&4M
M_]3O_OR=KZ^$:K>@"BMH2-2E"H[DIC5@L)!Q,0PYRU.>QR(LL(]V&$,5'7O[
M>Z]87E7_BR5?@Z=M^QO5(@.LEL<IDV;ZJ970N>/R7W_Y$":__&_PERB*=:>&
MOZ!H!J3T1TY5Z[[%BY\&&X,GW\S9OX<IM7/[5Y\N9\?8?+:MCWJ-CEHC]O;?
MN&#_?*HUS<2LC=4G:;[A"^&1^W ,5O-=M.3P!;9I=PYO\EP;=3SSYBM=?VK;
M@'#V\>73:KFNL+Y<[6(C]?K2Y"K;K#/*6(!QD<"4(1FC9U$$<8!"&$49XC3'
M*3.C/_&AS-C7"_2>LR?I[*5?OWA850WMUZ>5W,0KU[ZE%^TEM,B/]C)6R0OH
M&;().6W;A0R8+C,_/]4DV/GRGE9@J]8A4(%2K>5? J-D%OI R5OOD@&J3-S=
M9#AHN_U//(PY,).QX3J]6+)O)2;E0J_W-IN-72U_*!^@#UV6[/M*E3<U_ZDK
M&=3S.O7EEM/[9?GO)]YRG$6$XC0G"10TCE2?E!CF,4IA**(B2=*X*$*KBO@Q
ME3U/YJ1FJZFU^]TH!K::N1'.C3JGAJ<J[V2F+,]8QIDD]SS/$='SG1\ZAJKG
MR2L=$?2#^:ACRG1[,:@]Y^6R7E>:'$WQI'1I[3A-,&4!#+(TA@BS&.(D99 '
M."^(*,(86P7,AP2-[)#UGGHK=Z8Y=APSV0]B9>8L?2!@Y^@<C;=V9*<L\^2$
M#HJ9U(&<,O;MXC_Y><>(KFD4O[R37H.7S\H57,NOP;U*/58GNY^D2RG7G_E:
M;<&KIC.4SG^_6'>?NZY*RN>(%)R'-(6$QW)G'&0<JA1UF*5<AF]9)K)<+G25
M &X8O7E2S,HQ;-2S"P*>E5.VC+I\X6X889T!3<MHJM,0;%6<@8V2X*?4$C1J
M@E=ZSMK*6$4_U'T<:&4]AEB>X?,53OE2:]K0R3.8.V&2[_$=F=ZVIYJ::5U5
M%-9;E>9QDB9Y6C"5QL\@*HH$%DSZSX"$)!0HQX);%?R=D#=R@/2=KYO>ZG*S
MH[IGM#TWU"YHTS<#.W0+/H5BSE$>)P)!$1>*1D^$L*!A!(,$H[@H,IR$>+[D
M=^JD\G9:,(L&S!WA3IAN6I@LS'M@F&)H]@KQ^/VR>S/T[J44$KH;A01BWPO#
M(TV;F;6^V-M.2)N6U,W,]!VN-\/'W+SIVY[M5T_K*]$C'CATV:2SLHN(%6G
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M7[6Z[:C3UN6^-F6G!O?-GWVE,?<:E![B-OO(Q:KBJJ2\R+,<YSR%,5/I.:H
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MK"[;]XN9Q%_TI#JVN#V D9TS<+?<<>V;&^V\R/?;Y'E-OQ%REB6\W]!#*_;
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M::==7SVMZS5>JK[8\RAB099(3YHC3:U;J#/6A,&XB+.8Y)@6N1&UKIFXD;U
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M*S?@+,5%*9AR'M-41!!EI(14(K5-*G@FU'^)%%:70;X9<S#FORW5%\\Q$=^
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M&]VH5C<0M;MF.)08^UK+!ZJM_J.^%6+YVW*Q?K(NLFPX7&#3>+0(\#]JH,&
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MK5H]OU\LM;-_8%/0_69*TD*6699!SN)8AR1$L"S2#,:<9S').67<*KO%!ZC
M$UAG&@&RV9U_[W?GI-N=;XIV+A4D;T<EYJ_DXO.1($3[/A3I03:1A1K,Y/#Q
MR.;WHQR$6%,7_O3#'-+/<N1A3:+%.8?]V*[UH)HXR>O%O/56U7*G0\2N%TK(
M)F9VBF-)BB0J(&5%K-L;1I#2C,.H$!'-\S2*(JLR)492 YM'%,6__/TK>%(_
MU*$,&R UH,] /#[-%L_B^&2\@$PSN^>=(CO#UL?/#N5W0;0:@L^*1A9Z>BMI
M9")SY)I&%C3L%S6R>=AAMS*;O?LAV%I72+I6IN=^L:Q$W>W*3?<N)\8(O9.9
MS<!&-M@*M]BZG"+ 8"/C27?+;<T1M3T>09@JY[:].37P>)L= _5>;'U,/N_8
MGZW+7_VA)_6<5;.J37S5AQ3;:/!Z*LHT8RC)8):Q""*$U+JM^RIPPC(F4"1S
MLZ:MEG(#S^)&W 3,3Y33NX@ULV4Y !=VL_J=E+IU\S857G<@;S80+Q%-NJ/:
M :B)MX,,1S9\]9PSE#IN1SH[*O;ZU5D^'K1<=9,B/RUX%)=EQ&&.\UR9$9Y"
MFLH$LC3GB-,TXPD.4*JZ$1[:(["KKMQ "E.ANJ7:V\V&$X&6;H57[D(5I7Y!
MPK@%J5O1/]N=QQXICH6H7XYQ<2.H=S_T,;N8ICQ!,LEB6/!"0I1Q"7'.8QAC
M2421"I+DR*HPQIX(*Y/BFF<\7\SAYEQ5M(*=&T#UW)A9A\LTMK,!PY9/[\YH
M>4FCIQU%_'=XZ@6\5FNG'05/]'3:_:1K;>)'\58\+>I*>;RE9!F.U$S+XZB$
MB*C91Y.2012G!<K4!D*DW*[X\';PP OXM5BNVDQ8T132Y*U8VP+# S+,)IFK
MBG;32TL!O1B?17_WP7NKZCL8>N2RO?M*[=?E/?"9BSWH[M1MF%B]]=2[LZ%"
MI"PN< E+)+B:6*2 N&0Y3!A'.2UH*<Q:2KF)']&+/E1OH1Z65S@<#N/L4YN0
M;^U5>Z;4W:]V9#-L<)$%._X=;A/AK^5R6Q!SPNFV&<7UKH^NWE8UFRWJ]7+;
M6#25A$N$<DAB79T8,P$IY10RY9'3G)8D+ZUZ6!\6$]@6-0V/MU)-.I#:<&1Z
M9W>IYK:7=-9*.]S/G=+)VX7<02$CW\"=4G3_RNWDIR]MSG2]F&FCL"2S&SJK
M[INSP+M%&XL^:&].,*<QSS*84YE#),H<XBAG,!*E3"-*2I$8E1UP!1 Z@JF:
MDSFKU+[Z0Y-Z?#KYT@^EIC,]'%&V-L"Q0]$6^ 1LH>NGNI2'#OTS^+Q8!6QD
M9$>@]Z9&AN)?J<&1'3G'FQU9CN,8J-E.U_G]%\&$$JQ\4^7?+->Z!6=[B'$E
MU?^O9K/%=QWD]'ZQO&[RU_6YXI1A'/$D3: H=/^2*.80QT3"+$=9$:M=DTR1
M583F)6C"[YPTD$$(Y@:C92#F192;V;K1B+0S?!M88(M+AUNVS/;0)H!H<&"#
MKHFS;/$UB2L>PRU]\.0KSO(B+.,&6/J@;2^RTLN@;F;P'5G.E>3Z5BR;!+7-
M)H+%451PSF BE)E#DI2P%+$R>"7CA)9I&=/8QL(=$Q38>/5B@9+;IDHZ[[:.
M4F5FF7P08&=TW'2W-B7G%/-D)8Z*&=4 G%-V=VZ?_;QC2[6V6=L7\:]UI4R!
MM@CM3ZZX^A%ASP<;#Z)$1E%&&,Q962JO)15J!U9B2#CE>9I*R5*K'9@3BL 3
M_E,UKQ[7C\W*V35T!*2#X]39T8UJ,YL0G$ [@W&PVV-S57R\V6/_SZL-Q]T;
M\-@@[A*6?/60<\(P;INY2VC:ZT1WT6#VS>ITAZFJ7E6,S+8G54JJ_DK6ABNM
M\3CA9M! _/"L4QNC!H'7!=A:WPO:HIG)&:T+FI7:PZ9G=@\Z+L[;7@U-S^8I
MS6(>BYS#(DMSB'A.(8VPA#QC"4YYD@AFE9&T*R!T_,*@,0L@*_!$EN#?HO^(
M8O!+&463J/T/U-J_J0%9KQX62YW$\5^@0&@29]FD*..F"FL191.4E),4Y_W'
MJ[I>ZX\VOTZ2293GD[2(FG_G.)XD<3%)4]1_?+%>U2OU.[5,J=5<U$]M?/'L
MV;+MP=X[,ERP+V#>SI(,V[E,0"-L CXT9'E<68^HXVO1W!U^W/7PB')[2]VQ
MS[G/?K'4%P%?!)F]JW7KQ.Z./V)Y5LHL@XR22&<F$DAD3"&A*,:YY P)9FL'
M#HL:P2*T@M4<5'^(1K3]##S"D_E<O%Q[^UG9*:Z%@E9J@%"&\\IYG*-'!(T^
M6T\K?&C>GGG"OH[Z6R'%4CF\=^1'Z],.*@Q?,:8S4M32<S7G[TFU;,S%(.'A
M9G@W)Q!3ZWN*("),+?J248A1@B"791RE*6=I9#39O:(*?E6P+8]--KB:M5PJ
M9%VS!;+%!K1?L4$'?JGF;+;6BSNXN;O[8+BF^WUOIXW/J[T-VXO6%F*3<-6"
MU-<-V[>SQ=G4+M=(6R=CF(,%;C87J\89J'Y?AGF9^%=Y*6Y%Y$=].58%Y[V3
M>*(<O3]9HQ6K]T[/L)2]_\$=+\8WPS<H/@FBM\C\9OYY,5]J(;ILJ6X^6&^+
M9<8YC=*,8JCVLUBM=64."2Y3&.<I$D0F*.-6P?D.&$*O; T0T"/1V^#!M-3+
M'1AB:QIO6D;_N!!O>"D>ED[+J_ M;1V0+M_W!7\A>V9?0(>O&V\'!./><[M3
MM'>[?<%0CIW>EO=DWA7&UWU %K.*MUWHYORV;?O5YBO+3<R>/A9LOX>;L^:2
M9*G($=4IQ)G:K/,(EFDN8)P1(@I9I 1;;=:]H ILY888)^ %RL:)'^+4F4S;
MF,<M5.?[=3^OS<PBCOXR[&SD6._!OJ6;3]Y\-8#S@FG<=G$^:=QK+N=U<.=*
M;2^=V6W'NT5=7Y/E\EDNEM_)DM>-; 7MH_KRS:8ZZDBD)()QF2FKFQ?*D\Q(
M#HLDH80J5S(7EOD=;D "&]KV5KT]/)SK6M3;]IT*%F!#7-9EW=R8-S.<8_#I
MX:ACT-Y2\_D"UZ0UDHTA;;!YK0]W$3O^2L:YP1B[BMQ%9!TH+'?9>/:GQ3L-
M/G0-N]7BJUA^JYBX%4M=)[._^I%EJCS& M(\3=4.N4@@X7D,LSS5W3@EY['1
M#ME*:F C]N=ND5ZFD.B<C+K% A3_RIX1BX:;YH2>/Z8-0I.=;=IK,G3=,=3!
M:"(SFTJ\]MTVS:DR/T0-0IG;(:E'ZJR.0*TI.''$:3[6:$>8UNH-CRCM'W:M
M'=B&O;\11!\.O%T\"AVRTU5%&);3N)&;FAAI+'&6)@S&2/=QCQF&F"3*PI81
M*D@B=3=WNT*"]B!"7[O[*"3B1&Y,&))4$IA3G0W 2P%I%#.H_H(9YA@1&=E4
M/ I.KGU-I-<CU\SS#DV9W<K6HX$='-#CZ4O!3, NH?YKQ%Q"B;?RC@X01J[U
MZ$[2?N''"\:R=Z]U/[S5P_OUG-=W9'FO7/I! ]/.N6&2Y9P5 F(6ZV;VRL4N
M"_7//,V3DI4%QL*H?JRAO, 6OD4 &@B@PV#4S->)N_,^M&=&+&^*SI#AX#2;
ML&+N+GMFQ\U1=O[*6+G%%JJ><(A-1AG-%;90:>@$VSQVF?M[2Y[U)>CU>KEL
MF]I_5DJU_YBR5"#$40H9Q<KL4<QAB9"$B4Q37!"!26Q5J\M 9F#3MVDP\]1"
M<'.\3G%FYV=Y8L+-K0*W9TAP]I4,U/+L&IV2^"J>D $%QQP?DT?=)OU7]B#X
M>B9NY&?Q?1OO<[M<S-5?67<[,^?7#[HJBK(YP\]4<U8]S<0@,"3+TYB1,H5I
MJ6^O"XF4@Z1,,LERQ)-<[9.9U>VU7WB!34D/5N\ZKOCBJ;\F5="'L75?=2*)
M_0V+YS=E9I5>CW\[ W:(7O#'$^\O7%I\NJGZX),;A$'#?L)0Z,E8>@8WJET-
M0^RN"0XDY5)K?: 2XC:QL*N8GQ4RQ3E+88*B7#EK@D!"*8=Q)-0O$LP39-7/
MT4KZB+;V<"70 2"W[@1V9-O:4\\4VIE+O^Q=8!(M6/!N\4QDOY)!LZ#EN+VR
M&<3-''U1KNFR8BO!KTG],,V8E$E<*+^/<ZRO0@J(,<UABDG",49)*5(;>_-R
M^, &92L,,"7-SE3L$&%F"]S5LYOL \VN3VEF/8T/*^!IGNX,/NI$/*S8[DP[
M\BFGUH$?YKSZ5O$UF=FW#-Q[-O!,T3WS!C*M.@3NZWEZKOA0T7(G\5([_XT
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MU:#W6+_6,XN^2MOZ@C5NU5O/9.X5Q/4]OINE?;.N9CJ4I\\8B@E#3!"($U1
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M4,1QA%C$<EQ8M1(^(2OTL;]:Q"I9,1UX>+-ZT*<-.SEO-?BEK7V>_.H8R7R
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MHB; 8C5?G+@0<"#EM-7PSH>=C3A/A?*G?'I25OH>, .U8/]QO_CV_ZEQ.@O
M^';BFXT^RC2W4K2?U'8/V5^IO!?J<VUKY/I6?24>E,'@5]_4S^Z%;D9R2RH^
MI0SSB*;ZP*[ $!$N(9:2PBQF!:6"L]@LAMQ48.#9WD%HFXF#IQ[$!'P7N@6!
M/OAI\:C%L4VA:]H)F=^Z&)%Z_O+%-U5VAJ!GJ1$/;K<L=0C:CD(:@Y^[&!MM
M+[B2,1(SVLV,C=+#"QJKY]QV(']VDV$PZMO%HYH,%7LKFA*RP\,KJK9*A*VF
MC),RB6@.2RP*B&)&($:)VI&499$JZY$;7L)>A")T7%9O)OJ9T&?:-E/";L?A
MQK+9OB,X=W8&98^VQH#TB$ 'Z<6!^U\]*H\;D(M8\;0-<<,PZF;D(IIVMR27
M#69GO[BHIF^[X+HVI?U6+*L%?Z]^5D\+E"I7AL>0IG$"48X1)#'"D B$DCS)
M6!(;V:>34@+;GUYN7T6BE0P:T6;6YS1'IZV+-\TM#WI=E#8V#D9*G=A\J.?;
M>:_^LIWNIT<=93H;*=9/5[,/._8D[?)O=71E_6%^NUPP4=<W\OUB*=ALH9LI
M73WJ4F133''$<UQ D>EB!8QG:HI2"0DJXH33@L3<JMNQL>3 T_:+J-OK?O7M
M?>QSQMO4F&H.GEI8^HI);H%9=C UYMC,@0C"G-VTWR37?^R)NMT2-<"AMB4-
M$H^=36V5]]7AU%CNN)U.;>G8ZWAJ/8";H?E8S<6-;!.7WA.FG8KG+T(7F:WF
M]V\6R^7BN_K+-7E2OUL]3R4JLPPA!%%*"40T+2$F!$',J(PEH87:N=A8&SOQ
M@4W.'_.U#J*<Z>@$/6&ZS+Q-910[\V+)K)F-"<>7G:'1.#1%7<9;#T4'"W5@
MP 8-Z.'XLS9N-'@R.9;"1[4[;L3L&A_'4>QST_Y!EDVD3W\D\$ZM]ZOGM@7%
M0C;_4EN<*4OC+"O2&$:,"]WV@;>Q-;(4L40HT_\WS5$S$QGZ!F73@^A;!V=[
M>"HZ".;Y6H8LGK8P8;BQLRJ]_.T148M@ K:$O0M%CWE:FW^:W-+;O-!EE?!F
MI_F)Q#?#@49+@+-3;)@(9_FDHY>F?#\A;I[$4GU#YO<?]45U?P;T?$N>FZB;
MMVNARQ&^5U^7*<YYD6095]M I ^610HQ3Q/EMA')"H)C3*QVA;8  MM/]7TJ
M++TQ6P8-_;& O%AZ9 V2"=A@ 0V8R>:$6)F%U0+0]A*J*\*J(7GTRAS)\.67
MV8H?US-S)&?/-W,=)]2]UK58KMH*3J+6\8#-#Z<)$H1B))7%*6*($J'#H;&
M(F4,(9'S)+-*V77$$=@.#67JU9:W4GU?:AVFV->UUL7$A;C8FH!=;M^>X3;
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M\HM4)V5:IR7,EG1^5YPU_VX.UM,D3RCGA&+B<88)5VM[1FB(U<'4CQ//\[T
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M^1XL!J77 !CLR$V:2!S5EP$@V'8XD(\.GLJM&PM\U^%.Y9_.2REFRR82K4-
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M=6O^,[Y42^DWN5R5B^M%_9.ZK&J:^E&LN=9PP*3 Q L#G.F<1>9EC 4R]_(
M5,]H+GKHQ,]:+"IKN>C#O*BJ7Y ZN#RIIQ"UH&0$@&KF X:!"N826AU0JT3-
MR]&P<Z"N0O)RP4O]344?+F3SMU_J7@PMP-]:@+]H@%TRK4'!<<:V9BQX9,8U
M*"!O6=? (UB['UFJ3<L=_='QN\UD-15YP$*24)R$7HH)81'.F)_C)(I]*3,1
MA2Q;A]K-SRZ[I=F$QNVZ'XA6/EK2'VC>\=F!?<LNQ(S]B"T MCZC,5@)1#V)
MCOL?'#;+W6S?)63LF7W T!VS^-#3=C-VJRG1U4IO0J[SB]E\I7YZ^T#5UZ'/
M8AZQ6&8Y"S$74:J;ET0XC6B*N1>F><;]A(D $G\ RA\E E'54NNE3C1Z($G+
MA1)?Z7YFB!>/CVH_43^F_Z%;4#2QT0^S]L<'%D0GK\',/PP(+LQQO&EOUJBB
MH\R-%GTB>9UY4"OHSJ-8 N'(U4"EC^J#+*'9=DZVP\"\EN1B^EE96BSJ((B2
M]?+IA][7MUW0]7F*\N6,MVOQYAK!X"!C/?C YYE6)]0II:^ UVKI*;2MF)GK
ML<?RL/,9!4;@13H40<<,]2=#LL,159+_UWWQ_+_4V*T/XF+C>NPECN)\3@:D
M<S^G#V2W;?KT@^ND\J9-WUWQ;5;]M?: 320@"W.1QQG',<US3(2GPRLTPV%"
M_8#[N9 P"K"C$@?V0HW\":HSOF";F^-@F6UGG$( \R Z,[BY6KE?S=O\R&:S
MJ+7 '^M<RE8SW;)U5M2).C5BS5G;W6;&& 9'VY?C\D;=L!B;O[U%,?^@;?"C
MX[9OAEOWXQ!I%$=AF"M70#0/BD]Q1OP,>RPGS./43SC(%>P3-'1<U2ITN@<3
MTP#'Z99"0QR=Q"8,.DAKDF-F.0MQ[!$S<I#CL+%OPQQ'GK>;G9KUJ+I3GSU;
MB(M9*?ER?;-:7\=4]7][.<]KON./[4^EN%*[A[OO<OXLOQ:+Y4,UE8D@+*5J
MD<_2%!.:ZT4^"''$D]AC6< 2 BKA'$+)@;V"^M81F$\8Y$V8^9/WQA?FBVIM
ML587J5,S:A3NY7DT*D]0JZ7F>6,2=7JVV<#7"X<-X(;$SY'3&T3%41WFD"!O
M.]M!9=DYZK87/KV7ZOC6)@5_5-]DI=)%\:C^,>-=A?Y=T?WMEC[K\.Q4G:X\
M%O@,LRR*,8EBJ7M9))B%2>3Q@ J1&U'.N5!F8,?;2D&4U[4WP(W922B;.=NQ
ML(,YU8U6=>"GU0NWBJ%.LTV_#>55N[]/4*N>.X_J B1'GO,D54;UD"Y V_:$
M3L9TWH=X*ZS>*:8Y0YH&G8O[R\6W8JY&OZ\K)Y1#GK*8RC#5=/.2U+M2AE,N
M(TRSS"-4$C^4PE$+8AO]AM^0NNL^;(6_F7M\1U2!T?/#/8>K'>Q%:Z:$AKVH
M4UHW-&O5'KD]\2F(#M^9V$J[GZ4I\2G0 OH1GR3&-J#'EOLIE+_)AJ!'I[]-
M1>(1W<\)9[DNRY >P:F(!$Z"($C\C$?2!R93FHH>V)O^6BH9J&P%(IU,">U5
M#(#1-"HX!#C0."%;]CH83W;0J.OBBQ8VK8O+\"'4?F<!16/!(X<8H8"\#3J"
M1X!G+IP7MW*NCMA2?%6G:LUC\;@T34S8]=F!I_YY\?A$%R^H$XQ:R<=ZD9K9
M?7BJNS 9-J%MK04E 1PRR>J.?^> HUWA'S*G?T-_\#E7A0Z:"DJ+^+RJ6SFU
MOVCC55U5^=0742C23. T3'),$I_@S \]'.8DR%@4DD3(TZH>C/08_@R4G%KC
M8(:GZ8H].$K0Y7M7]4.G%&JTVORVT:O77V/(<@<0-(/5/IAI\<Z%$""HCE=%
MP(9S62+QM2B7]^I8<RO+YUE=[:E/.]4TX-3/,AYB&80<$\I\S-2) K,H%XFD
M7BJ3V*))$4@)HUEX<J^A3CBJ.NFHK,6[J*?8!Z^Q]W*,EN/JBS5V:UW0M\/8
M.:K).(+!H*4:^V3_!!4<1V Q*^PX-H@M*VU3R==5]%TNZO8MO\FY: \[4\_+
M(U_J<E!) TQ8Z&,:!C%.N"^S6*:I'U +GW-<\CB.YOQ!_4OJ4&337N)!*5#7
M>E3UF7UQH)+)%E$S-^,(($MJV[>EG@HAK< $:0W640V7-+>F]CHCO#TJ<&3J
M6U, WI+@&G_R%#I<7>T59B')<190O?V( IQZ?H())ZD?^X(E40RI]K+(5+8M
MXK(I] 9E(P^=<GPDW=*2A=;QE'J/!.##6;XGI?+J8,79=UJ*ZGQ>5/*N^+IX
MFNGNII<+<44?C2(#Q\88^.BO19B'Y@X:>SQ$Y\I.X,RHI:):K%ZE[F:/4J=I
M?+VZN>QQ.=<=#,3L>29TMX*#N("">"9&6P7S#@X\6E#/Q+Q^<,_H>0N.!;FH
MU#[X>;9\.5O0^4LUJ\[$LYX/S0;NKJ0+_B#]=48YR4+I)9G F?#U6I42G-(T
MP7Z>>)R31 I)C0D8@,('GM.^]_\BVLA'O%8 P%X Q?'PK!\:'9@GZ&F".E7J
MQ(0:JD:;"6KU0;Y),O_I  *X(08$TI(XPCV@,)()2T0.,5! AQR/GL+2V%?<
M%;9CV)T+NKKN6_6]DM7EXA\/,_[P:;%4XJ^?9*E_.(USXE$BU*$AX_JH$":8
M$2_"6>PQ+XL#$N0)Y(K%0.;0>ZIUMX*JUD%O.KYK+1!KX*V0;@51?[6A1*XF
MB)H=2!SC!//$O88.6Q U&J!.!7<'&H"]CDX[)A)'/0H!(-@^)T$^:AE#$/]:
M->TIJ[MBTTSZAL[$Y:(MPZP;0S!=/7O>ZZ/R3?Y[-5-NK8U]RH;Y4A=XWR_J
M4?Z@\Y6<AK$7>:E'<![G 2:Y)LNA7#D:+Y5$BBPG$<C1#*WP"/D:ZTXT\H?^
MNT2EG&N?I(]'.EVNG-7WF]6RX'\A6N_<@2&2H5^J8?#E)WI5P,/KS>7YI.EZ
MTY:-=^5;9V6I5^SFIGD=D-61:4U@C7HJ.@P*C82CJW#3T.J.&\@:"?PW(;*Q
MY%IV(Z:L*,\6:MC:=7UJ/-E42B99'F8X#$.&B9?EF$I-M9@%"0^X+X0'JJ+?
M+69,'ZV+.EF39 !M0[P;(C/?>;KA,(]7RZN-;26B5J3#ML,'37+5<7BWD'&;
M#1\T]$V?X<-/6Q;2:\_P<=LS]!:OCR^;1]JUK8X1?E*^8_ERN5"[D#HR45TO
M'V1YIXZIUT\U+^L?:H.BNYHW7F4KX?]7-?[R0IGQF<[*9JL0Y9ED/-5$JYG:
M_ZG=(*9A$N. L3#+?!+'(<@C_#26#>R$&FWJ9H6K2M0M#>NFA<">A3\-7*;%
M_S^+O@/&0WO;RE=+3<]*Q%YV;S^UJ1/4&(MZUJ+:7+14]J+6X EJOT/J*]08
MO:,(K#8<:<N1-AW5MCOL1?"SO4Y7#0Q^&KO&[7KPTYB]9S']^12$WVU?%8LK
M672$%8:7V:\^-'2DM5C@JT_7AMOAMR8=O[*VM@88#VT-<<BQL5=[J\OFUR.-
M=KN\TX#^=?+N!RQ;B71][<_5_+DORIFL+HI'.EM, TI]+XQRG%*AR5]I@%-&
M8DQ%1A,O(U[.8U"?D'V2!IXO!BP.K48OZ,]&(\.KS^,8FNVZG" #FWM.08%W
M]#AFL*MV'7OEC-N+XYBY;QIM'/V <QX]35M]5;2GX+/YO/BN2\IW,+_%:4A$
M0)5;()$NXXXI3C/JX<#/4E\0$<K(*(?$H4[#+[BOV?9J0OA%L;XXH)UJ _/P
M&;\C,[<S,O(P!W6$LZ]^!5?%.ERVUO']Z/R@F U/\F>LT<]"_0>%$$ ("![:
MMC/;HE+G%>W J]?%<^WN6T1>&@F9X9S&').(QICE+,<\]4@H6" Y!W$%'A,X
ML&]LQ=<[!VAWM2-(&>Z='-H/\U!]TP>@"30US%EGLR/B1NY>9F;\VPYEAI^S
M[$+6Q1>:/7);J2^N%]]T7PS=7^<CK6;5[XN"Z1)-[7<N%T^KI78SRA_-9W4\
MY)S.>=LA73?C^5R4.@0R]02- E]X.".YCXD7A9BR4."0A)X,?3\F.<@S#*GL
MP%YE$PN=M,>1KM6$T"R%:P-0;<$$]6U M1'HM17Z-+.V _VI+4&M*<"SWJ!?
M 3.7][.\6)B[_#G>*;QAV@A@N^J>-J2JX[92&P'T-WW5QI!IM^Q\7%5J):NJ
M\^*1S1K:EINR>)Y5=4[*Y2(ORL?ZIY<ZPX3.SYIVMW6[-\V]-I=+N4EH:3?'
MZK&FE$\$Q ^3NA2$QYCX68"I6FQP0)GG)U$:2@HZT ^J[< +SY?7Y<ZS];'@
MOV&KQ+!OS&R9^&G> VR=Z-1&/;TGJ*<YZJFNDP!KY=%&>[117Y=E= 9,T-H$
MY+IN=!2H':T2P^HZZC(Q"NS;Z\0X0BU+3W3$N'JH]1'JZ//R>Z5C&^MPR!FO
MRV!T^[ZN$LLG+":Q2+'GAR$F/(YP%HD \XRG.4MSPABH*R=<A:'3"<]N?T.?
MOUS_XQ9]_G;]%7V^O#J[.K^\^A6=G=]=_G%Y=_GI%NC=+6 V<]G#@@>\G95+
MI)5!G38Z*>:#5D@MB[_TPK(;I08A K+'Q%5%"UR!<0M<K %Z4^]B/Y*SC6V;
M*/T?)5@H_SC+9WJGW=(<\7^O='CW;"%Z38#4[U:/4IRK3;KZ0.\77XK%_9TL
M'W7CTFD2B=!//(ZS)(TPB?P,IX&4V,NS..)YGF62G;C+'4CU@?WCQZ(LB^\'
M&1O>^]U9[W=_@C?B8O.[,0/U[>C"*)TE=?YX3V74&C-!K3FO.Z)IB[ V"6F;
M!MT,#_P>AML9#Z7X>V^3!WXA!GOFH36P2OR[D<65+,"I?_V/C9#\=_/I&EU]
MN@;E_[VR[+ _/=$HX"YS8X_[-,!=)M@F KX::\Q4P%U&;"4#[GS$5<_H=2Y2
M=4?+>[G4=^>\.?:NZ8"FGO!YEM$0<R\1F,1<[:[B(,!Q0%F2\22*,A"GF)T:
M \^]ANQT(QC=T)(^2CV2/ALUOSZ?TP,\!BXQ-]L5#8\D;,(;)!XV:O6 GJ"-
M9D-VE88@,UA3:2,EWKFG- 2HXRVE0:/9N;6OM/Q++O4.8\-@,:5)'(6^)D+T
MZ\Z-1&(:UO2T.<MRYHLD9)#.C;N$@%P2O(^C0=&0.1YF#N54*V'N8B.MQR3C
MS@<<,L;1#-\I8M3Y>\C([=EY\%F+1I'B7W>%K@4Z^S&KC#M#]C\T])J^CL3K
M]A_]JB7#F/!;*X_OKJT-A,V=_;:A/[5D1QOMG=;8-7=\-=)XW1QW&?"J?>/.
M!^Q6HJ;2;3.Y/C]?S73ODFD69PE-*,-JKTPPD7F,TSSB6$:!VEC'-(AS#ME"
M[Q,T](1Z+,IE':K2PF"KTEYLS%8F%Q;#9EA;"-SG./O\![ZZG!PV'KQ,';/,
MT5*U5\RHR]4Q8[>7K*//6^9Z%J7477*E:+,NB CBP*,$AV$289()']/8I]A+
M"0M#+]4S%)2?N25@Z-267W]MRE<FJ-34O)6L]%V>30_P-]"8S<]3#(;-RV\]
M UWG>NRSPE42W_;PXR;>[3'N3;+<ON<L[P'IXJ_K[^I4^&66R\M%M=(M(^4T
M3>(@R3P/TRA+,/'R'&=1'F&9>B&5(H_S/)P^RY(5QK=V.P5!OHA]<>;7.DHL
M+K1<-%>"T:R3#+QRVPT3#:3D":.8I$RJ_T0^3DD<8A%['F%9F,L(E#A^.D@6
M[FE3@:,;9GR\_G+I!!LSSW2ZQ3#_I.6A6B#2$M'ET>\#_!;NH$FN;LQV"QGW
M=NN@H6]NH@X_;1LT+V?/ZF#UW-Q?K3.):V+@[J+J9>J%:1B%),))I/8.>F9B
MIB/E61($S$NX3'Q0"H*9V('G;4-^W!" 5NA*+MN6-\L'V;2Y;?KC%+G:$B_$
MX=:,IX!K&@UW#1DT^MW);_8E$W2[8O^2O#ZA?Z65>@$UAG5>5;_7Y5HW=)WG
MU0'^)8LP. 029V%O(Z$CA[DA0+P-:X,^#7,T5;F<KB?3+9<+6LZ*.M@D6$I\
MW=4M3_3:[^LT?IX)['D)S83TO( +$Y^R5\+ [J,3=2PB90C'82_@Q$C8A#>U
MSWC:'K7AT Q5'^[-3O6OS<S</^XHD_"H6=U\._[@R9RCS9&FZ?"M'+%F-#^G
M9?F2-\4\U33P)2$R(3CQ8H9)%JM)EZLEG?FI9$G U8[;:-)9R!XZO40N4=$)
M1W.]M/.^>&NBT:.8FJ[?@R %7<1[)*/=I?5:$:0U0>=&J)U",6IJOWN"T:.2
MWXM>U!22 ^2BQD/8>AFVW'2Y^S);R$OER:JI'_ \XNIH$))$'0TX"W :YB%6
MCD8&H?0R+H'Y,SOE#.P]M-1>5TRHL]@-C:EC.-E@J!-X92OZ4\M$M5"'Q0]'
MS'(VMW=+&7D>'S3U[9P]_+C=_-QJ++DF -%-*ZOKU;):4G6(;4J!^33Q?2]+
MX@ '8>AA$JAM. L)P3)((YH&01A%%!:?!,D?/&RY;E=+VW:UO'A\+!9-)V1U
MIM_H4S=*;GX,[) ,0]S,&0R&(LQ%O.GVVR, :A#LZ3*I^QYP=Z[#"@1'#@4F
M>U0W8P7+MO.Q&\22ZD'?V>E,>$UU4FT:6G7<YSJB^:HVZZ:8S_C+5/B<2!;'
M.*9".:=,YIBF:82])*%IS$06AJ#K2DL]!MYR=-+1F@(>-1SP0+((2Y#-_-$(
MT,$\TQJU5G)7P_F"_FQ$HSOY8XD^JHGSE\/=S(DXN.*HL-1B7!*+TZ!ZPW)Q
MXG GQU1ZY3HWI8XP+%]TVN]2Z:3S-Y[JMI5A%N:"DP1[/(IT)Y(,TYQF6$:Y
MC-+$DV&<3A?R7K?PN[,*KYBH833MLF;:O5'&> K>E/)Q5FE6Q(5 LI-M'5\Q
MPA<<8W$&U^EQEE>EBYTR3>' LL;PTU$,3XFV0)!P'W$QDOY>41<(- <B+Z!A
M[/S1W4SMTA;RVZSZJR$I:'B\IGX@8N%I:L202$P2G=D5B1P+&<<TS5/A9QYD
MJ[1'SL!;H3M=/H!X(VN":'TE"W,H^P R<QP.S(8YB&[W\DW>MSVW)D@K@7RD
ME>A(7CI$U.JVHG-W[N&(O8[<P#XIHT[W(Z9N3^MCC\.I[B\7:D;(:OE14MV*
M[:)X5/^8\0N=Z#=;?BR+O]2OQ==B(5^:$H9IEJ@#CI 4^[D4FOF4XHRQ"*?"
MDTF:TCQ.C;(MK*0//-4[B>A1BT2/M4QSNG8XF(<=P. 0P=Q"IPIN=4&=,JC5
M9H(Z?2:HU@A]'1Q!<\;[09&TH[QWCRB(\=X:D0.4]_ Q1^.\MS:W3WIO/P@\
M->6S5,_1^6]*ACYHZF7Y3#SKQ+KJ8TW^?IU__NW+Q_KG.DLCBV-/1AG#/ EB
M'9JBF'I1@$-.=8@JS$00F":M &4/[)A;;9!6!VE]Z@@+:C0!Y[A <3WLI0=&
M"^:C3P(*E"QC:?():310B:,EV%A"T4^]L1T"ON/;?32L@[O7^>]5DV8WY9X,
MA?H?IDE$,9&)AVG*&,Z"5$2<$AG$&2!D9"QXG"!1+53?%RFQ3::)^1;%#+_C
M&SMW<#@. @T/COF>S3E(=OLT)V"!MF8@PP]LQ\S&&6T+!C*KO^V"?1#N%3]>
M7_U^^^GV]\5LV?$Y>HD?TTQ*+&+I8T*C!*>41EAF?IIR$F>!%YD>=-\./_1)
MMA&(:HGF\W<'#,<]V6G& 4-3?;N.=[8R,=#<&YUFJ)WK,7N1(-^RWXP#CF3'
MAT;S&OL5[KN( T_9AK4?97NN^TJ7;17T/]6Y[T[A)*?$]WTN8X[SN(YNDP#3
M.&98Y"+P8W78\C)0V=%A<</?]\N&9CM +TIFI?Y1%JO[!Q0V_X8&O ]"9QKW
M=@4(S,=HN5T !FTD3Y"6C6KA+H/=)D8ZBWD?%#9RZ-O$\+<1<*-/P3OJW#P_
MW>F;>]-F.MWS \_+&_J"GBO=IZWN?Z^Y,"]FE2X17Y6&5<ZOK#L\\VP-@\VO
M@S:A/VOICGKH;!MCU3YG/<AHG7.VU>XWS7GS.Z>4!NL,_4W*RGFA6196ZF?M
M+XO%IO\^22E/U3997P2I37+J24R]6&B:M2AFJ2^"&-1=QXU: T_*;>J#ZYM/
MW\[NAJ ^@+X.LX5U?)!A#N((1<*F)&BCJ.X,U*F*-KJ.R9Q@"=^P; I0I7X&
MA@5+( U9%VQ'MW.SZY+*+_]_<U?3FS@,1._]%?D!ZRH?3F)?*E6[4B^[0H+E
MM ?D^$-$"E"55/OWUPXIL(& )['37A!4)//\DGGU9)B98^%-&#&9F&8BM!%*
MQC&B"96(IUE,E*1IDH-JDBY->):_HT&[XAQ;7NRT:]QJ83H$7"A82/K7XD@4
MKAB8U,'[%]AUUAO?')3BZ+3";9O;_Y*BY*SZK=^+N3:X(I+%0J04%9'($(XY
M18R&#&4JU[X8,25SJX@ 9-7W[J0=2K$YF UJ8S?0LF89+\ 8M$ITN.<%G.RX
MTAS[@Z@61]  ">:>B (E/=P3-CCQX88X:/(#1L#M!(CEN:9,@L"6UTF$  ]V
M66/PLMN)OV55/6_U3JK6=TIY'"[2_;S"BF-S*5!((M,^+2]0$6<4A7FH,),9
MS@I("MD9L&E2S&V_UJ;#=GE$,+S1P\"+8+>IFH93QWGJ$P;GO2B=\>&U9 &"
MYPL4,0R@SZZL8<B)!T9S?"W%>R5GZM26ZE0LOS?%?4UMWRH1*@^I_G^$I:#Z
M)>*(X5"K8!:EE*1:7U+0]$];P[XCOQ:&^<'#6<NUTP#@,TS >-"66<LHT0-?
MP-CQ.E5G(-HGW7Y*0J$$N HX;<U.&X8"R;@(3J''CU>7HFYNCM-]G\I0":;T
M;DKO;Q%6$4$%41R%.!.8,,(*NX9T-L8F59$;(Q+A+,'58<S:QRA"44_F_WU+
M].#S%Z8^S<_[%GW+MWN/&>;/<\G-T+)2E8>I2[/W>J:>N8[#356=%+-Z+=_,
M^(LWN9;;?2,J?+>1/W8;5FY70A*:)8JA/%*F!243J, 4(Y+P.&-1Q%+*(!X_
M#HYG3>B",TUPC*.<X0L:@,%_"(,#Q.#/ 23P(?3("V0G-M/1#I,CWXR#)<L-
M48Y$;228267/#7%=871T5E?C,KO32);[Q895U7?VVOZ,,TY9$I-<ZV.NHRW,
M\Q01AC%2(29Z\Y1F>3%R5.8]")XE<OFX> P:BTB;'#L*\RZ?UD^./++DXBG_
ME5E"R\6W Y&FAMWA>-SQI'B;?GD7P"=/OK0EZ/[42^LS]2G3^7WP4[][>OCX
MBWXIV%X^/?P#4$L#!!0    ( !%0;EAC!$':+[T! #I7%0 4    9F)C+3(P
M,C,Q,C,Q7W!R92YX;6S<O5EW6[F2+OA^?T5V]FOC).:A5E7=)4_GN*\SY64[
MJV[W"Q>&@,Q.BE21E(?SZSNP24F41$D4B<T-5:Z5'B29B.%#("(0B/C7__GC
M?/++-Y@OQK/IO_W*_D9__06F<9;&T[-_^_7/+^^(_?5__OO_^!__^G\0\K]?
M??KPRYM9O#R'Z?*7UW/P2TB_?!\OO_ZR_ J__.=L_M?XF__EX\0O\VQ^3LB_
M=__L]>SBYWQ\]G7Y"Z=<7OW8U7?G_Q)B5D%D0Q0+B4A) _'"!L+ B2!<,I#$
M_W7V+YX&IS53)''%B0R)$Z>B(SH B\&"829U'SH93__ZE_)+\ OX!=F;+KJ_
M_MNO7Y?+BW_Y[;?OW[__[4>83_XVFY_]QBD5OUW]]*_K'_]Q[^>_B^ZGF7/N
MM^Z[US^Z&&_[0?Q8]MO__OW#Y_@5SCT93Q=+/XUE@<7X7Q;=%S_,HE]V4G^2
MKE\>_(GR-W+U8Z1\B3!.!/O;CT7Z]=__QR^_K,0QGTW@$^1?RN]_?GI_:\D\
M\6=(W?QO<7;^6_F!WU[/$!!(:O=/ES\OX-]^78S/+R9P];6O<\C_]FL.$5?D
M@O'5>O_GZM_]=K/LQ1P6B)6.S0_XA?4_+XL\GP3XL81I@A5;5RM,9O'6#TV*
M4&?7_W+B TRZKXX2C$?=IYZ$Q7+NXW*D+:C$O2=<.T.D2HQ8%Q7)3J6@C(C,
MN]L<%Y(72'.G@P7$OYW-OOV&'_Q;$4/Y0R>/3A;WEEO)93^ZKS;=^VG96)TX
MO_@P@1'WDH<H$PG).B(S,\3BAB&.)F\E=Y(;.(B%AU:^S<VFGD_F\9?9/,$<
MK<G5TGX>[^G\-H[7/_';A9_C!Y'X=3Q)5_\ZSV?G-72XG%66Z$IU2/JOOZ $
M,LSGD#ZL-/<@HQV72[2WT/WDOJBX7) S[R]&GU'H4!AY/?&+Q6G^O)S%OTY^
MC!<CD6VF0FL2(*.]1+Z(TTD19KTQ0COEE7@$&MDO0D?U>J45/F"R7%Q]Y08H
M3Q(S'%KJZ'G6A] ;0,\F_6]FYWX\'4%*R>7D2#:"$>F $9^RQ%^4MKSPQU5E
MV-RG8AB\5%;OK*JL6T#+[/Q\-NT8^!W. \QQAV6&VO0$#&X=61P"3]$.QR2T
MT5'A=W-ML-PE8EBL'*K5NR Y2,0#8@3I&KT:Y\MY+$'!Z461_Q^S)2S^G(Z7
MGR%>SL?+,2S63 $H*BG%8SHD0:3.EEBK$DG4)&/0GY3\*5_S60ONA!'>.$;Z
M$_' N'D#%[/%&-W_GY^_HD 7;WW\^@G66L(X](1)NOSZ?HJKP0)/\I/NQT[S
MN_$/2%]F[R8S7W[L$XKE,\Q1!"=_S*9X[%]B(#K^!A]A?@'+2S_Y>,7;YOYR
M7FD! L-*;2U&GUF1P+@F5#A/E9'.<K8#%(?D82=TBQ> [A<#A $WS -.+4;7
M\!Z]EL5(1YV]<XD(T'A@R(0N+IA(6 (:I7*"4E,[)+Q>?1A#6]W1KRKD1L#R
M!7]V9*7S45*D5FG<F=P&W)0I$*L-2\;3'!VK HZR6E-1WYZZVP*(9PNR$0"<
M3*=H^]">SN;+4: *+ N:.(;\2RUSB6D4L<'2A+Y!\OZQ[,#N0-A<M2GK4 \0
M>PMV8&"\OIP7N;T;+Z*?_#_@YV^GZ0V>G2/A3;!)(]$^X5&HE4!<LT2H4X%3
MG1- ."PQ^L#*PW@RO0&DBH ;L1[H/(UGZ8H!YGA6Z-@1KKTF,CE.G#"&2.LY
M51%-H*!5S,>M97>"AWPQ\#A<M(U@X\O<3]%O1Z&LC2"+&60H1"=5 @#D!@]&
M("*6>SOGG/2ICIMQ9^6=$*)>'$(.$O# ('F+H=ORY[OQ!/ZX[ (MYM'RH?M4
M+FJ0 8:'(XHF$\.\R^A(&:8. \?=%7<"A7XQH#A(H$V X1.<C<O]W73YAS^'
M$14&M,F<<.8YD49;XE44)"-7,IILD8@*@+B]ZDZ@,"\,% <(M@E@O)_&V1P-
M7">4[AKF]>QRNIS_?#U+Z#4EP;/(0+0L..<:G6Q0"FV@1:?;"*$HKX"31XG8
M"3;VA<&FGMB;0-$7_^-]*AG#/%Y5V*SM),^!,^"4."F0$:DY"2%:DF4(Q4I:
MJV(%_#RP_$[(<2\,.35$W01F3E)"C2S6OQ7QL)'DRAD5*8D! S1)T<D*N5S^
M*BFDI-+0<%@8_.#2NV7.Z L#RZ$R;@DHK_&/I_,OL^_3D020&JPE8#BR(!@G
M7M),O/=,)K Y\\-BX0<6W@TD+R>_6D.^+4&D.TA/YQ_GLV_C:02TB2ZI9#1)
M*V^LNQ53'MUT99@(,6A6PWW9OOIN8'DYN==JDFX),1]GBZ6?_+_CB\[OXH9+
ME7PF2'$QC0*(\YF20$OAAQ,"[A9)'(*76VOOAI:7DXBM).6A\_6%ASGXCFZ7
MDHN):6*I"4AW#B18P,C?>,69R%J(P[(HFZOMAH>7DWG=6Y(#(Z \&9A\_#J;
M7J5^8@F^N-0DTX#H-=80;T0I]<G!0::)Q<-<U+LK[H:$EY-A/4BB Z-A7?/U
MD_'P9;R<P"AIQQR#3*B6>.Y)//*\1H_:X-<MVC)FJ#P(#7=7W T-+R>U>I!$
M!T;#E[DOC[8^_SP/L\G(&9,4-PY]'DF)]!2/-:L9$3Y0J93E4CQ6QOTT%&XM
MMQL.7DXV=7]9-F(2WOZ(7_WT#+HT, \IR@R4)!T\D8I:$H3V!+AW*D0N@C\L
M[[5MU=T@\7(RI0=+MHE XS]A,OE?4XRJ/X-?X*&7WB\6EWCJJ62Y3]P@Q),D
MTCI?O&!-8@;KC8Q:PV$GQZ/+[X:5EY8;K2'K)D#S'[/)Y;14Y98[Q_EB)$.(
M-"1/%/4%]<YAM&05GI' K$,>5*YQ@7MGV=V*QUY:3O00V38!CG6-TZHNH9R9
MJ)/+Q4AE$VR@!F5ARTNI4J#@7"3)9:<B33E+70$CVU??#2HO+3-:0=)-(*:K
MW_>Q5.2_\4N_9FO$(=$4@R->VLXL O&.9F*!F<ALR-GZ*K>[VU;?#3$O+3U:
M0=)-(*:SC:_]$LYF\Y\C!I&:Q!RQTBLB6<(_,<;1)X\H$QY%.C"TV;+H;OAX
M:0G1_>6Z-RR^P3S,J@'C\[F?3%Y=+E >B\6("IX<C4 P6+-$0N(8K',41M3)
M:..D937\DEN+[@:,EY,9/52N3=B+M^<P/\,3\N_SV??EU]>S\PL__3GB/!K+
ME"+"A8"N%63BG <2I39").".U[C.W[KX;C!Y.6G36G(>&"[O8YZ?7*8Q_L3)
M<@F+E4K>3?S9*":?H\B9".\SD=1KXE*B)%-)01EK93[,@7UX[=W \G*RJI6D
MW$BQ^[OQ]//R?/EV/I_-7\^0B'C-C1.)0>"<&*H3D0X/SR D)1YB\"GBK_PP
M%_9I&G;#SLO)Q%:6>A/'T^>O,)E<64NO(SI9AA*C'#KCG)4R;D6)ALBE!$:=
M.ZP)U?TU=\/(RTG-'BC5)C#Q\3),QK%[P3[20>E(G28^4O2WA&+$FASP%*5&
M9X<V\<"WF?>6W T1+RT!NZ],FP#$1B>853.$T\MEZ2%8[J5& K)S,F+(GI-&
M>"=!@F*Q-(5!(\B"T^*QOCL[9]<>H6&WIYHO+1U;3>J-."N+F])^2*]^?BJ4
MP#3"%_BQ?(4__-=(%H/HLB:".891O[ D2*F(MSZ[;&VTVE;Q69XD93=$O9RL
M;3\Z:,,X(5MS/WD_3?#C?\'/$7C(C',@C*6(UE489  ,8<H:+JRUZL!@:>NR
MNP'FI25M#Y'MP. X09&DSELO?GF(/E@(B7!7WJB&TA/!)$_04J84.?<<#FM$
M<VNYW<#P<C*T^\NRD:/GINO!._S*8N2-=*[TSF+!(@O@12GC]X1&")DIX.'
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MKAW>C!=Q,EM<SF'DE3'9I4RL+*_*LHS(DDOED9FRR0>11/URWB?)&KJTH6?
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MW,0@H'K6ZS%Z!AXY<7Q0[:N+)I"UI9A[Q=5(V>R!<R#) *"Y59Y8SS-QRD#
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M)[/)DI@C8K.J&ML#+%I_=%;6'15/\^9.-!3=7.<=X5D8(KW,Q.H(Q.$!8&.
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M@Q1L""GY$)KW1&V7I-VQ7S]_ \<\>R]J"R4W45)VAP%<8@&"1J\%+QY3ZS?
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M-N]6/$#,<5/Z,< XC <[ NGL(17?7"RK2;_-YLO)_UOY^;)2:Y-Y"J/3G M
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M^1EBU"Q43N\B2?!@5B;Q$+00HFBC!&_-T7']Y2-CI;%79RU,W $VAMC8*?W
MMQ2JT#I$R412DK;T->T< \\S QY2T%R68D/K)\!!%1K[X;#'0[@?!'6QG+Y]
MFTU7VPQI^WZ^BMGSJICI \Y7,[C.LK5!N*C KL@02U+@N#4@M<],!U2^?=W:
MXV(]O_CR0!#=@7=;CQX,TA\XC[.6XP(7;Q>+"Z1L<Y)N5!'>!F,CI9"B$NTA
M1W UHRPNJ91U\1J;%P;?)\SSVVW;0+*-]\9F(;A/B4_?SR?+%_F_+NJ(PM6]
MXQE/V5A#QY./@@(KKCD$+P0PK;R4S,6(&RW@VTD'=O_*L5MV>H/>D!X;&8CO
M+FK<_KZ\I(0@?<7%&1/:KR9OYQ@H>52.+.5# 5:$$X([GN0N%!>;GSMVLTV/
MD#K*]B/CYO)>MM+#)IRL*.6NU/G\=3+/9,?ESS]F\^67\ 7?SR=?Z._3IRW.
ME&.IA$!YIL\!E%>UD-YPVJD58X(B!KO9-;L57X=^_]B--3WB\"2^[&2?^YW^
MUOGKR8_)HA:!GD57O&2<@];2U7D9#*)F%#=H;F0(A6,6>^QVOW[ZV#TM/6*M
M@1\Z2'2OM%BE0XNW9-9)^OI;)8CY^?X[SNL/SW0Q=-C'"*@5+0Y3*XJE%D A
MJK8.A0BA=07J#F*-R];3'R:'\FBO-1Z?+KY](_/.RJ?)E^FD3%*8+E^D-+M8
MU>%_(.?42OQW83Y?4QT=7-MQX!>U*3QOH&2C6HZ[7WMK/@FAD[8V0A*K68)G
M0$"EQ)5PAJP8C:XUM=?]TC2=Y+093=0^\[]JQ>F;V?P5+83)LH[9NVR-.S/2
M^I)9 1%Y)NUS!E=TA( YTX*63++F[\P'2SON16$C-#TXQ&DXYW5P<&_1KY)@
MSU?S4'_0 5,K3%[^?'4>5AQ'6ZQ1'U@M9F-$TL"2JC>>B$ '3""#ZR0#"H;8
M?!)""\%'?H0\$<HVB?Q.[O*G@O/[5;Y\$W8L%S)X!BNRI:A<*(C11Z 8G:4H
MLF*I]8-Y$\%''F9Q>L = OFFWN\ \G].RXHAX?=9F-XTF5[6)2231!V3!-):
MRB\UX^"U3E",8CJ0.IA:OSH^),\3 &A;>,P&\E4'N/LPGU&"N/Q9&3F6+Z;Y
MM_^^F'Q?+_'/]!&KQ5R*%[+>9\A5<0W3"H*E7[DDF8E2.&%;<P_L(-:X+XPC
MA0.MW=4S JM"EZM56I6E3Q%LEJ7V0V?P64E@!K507G/7_&5[!['&W0>;0V%7
MJ!WHEPZ@]FHVK?2O]<[V<K?.7D:!HD#*7-6^/-JME:5C0"AN@]6ZE-8QXATA
M.H71H6Z^6V)VA,W'?B>\F$\G=4SNF\G?RQ4Y^^UU=D&&I7W_[;?O\]F/=7?'
M=1! NB3A +$6DG+2,^B P"-CGE-\(?0NS] '?OVX)^-0@#J5/T9NO_U87P;6
MF[?,0JKHH)0H*WL,A0C)5%9+SIG**KC=[FD>Z:J]_L)QZV9.'% =;NH>\'$)
MZY)U*,QJ,))7?B&AP='2 ND5,UXJ[Y1OA9 QSZHCG+7I[@,L-[+#_YA,)]\N
MOET*'F5,UF0'SFO"NB&9?:W[=EDGDYF+7N[4Q?F(RW_YTI&=?HC+9BWL-[;C
MP]^W!"^,I>)"@")3 F4IJ ^13C3)M3 E<L5X"Y*>7[YT/&Z/)HX_V'X=I"I[
M'((W)00QF2"S26!C#:NX\^ =&M E*<H#=0G-6[P/D7/<:LI^'G+:.K0#T%::
MD4J+2/^I4?F/<+[J>%^^"O/Y3U)]U7EQQG3D6@I93^TZ==0GH!,[5:X[[22/
M*;C6+^8["=;=M79C?&PFYLV=U0$"7^/WV6)":JQXI\]HS^?,2[**005*\EKL
MJ2CY"QAI\_>^B-9%*K]*,/+([E-CZ@CS=P">3W4D[6K",AGG(_ZH'_P1OU_,
MT]>PP!=?YKB^5#@SW@N+9!VM7)T,A0@^E0BJY&*,)Y,UKZ#85;:1YV&?&G"#
MN*P#*+Y!<E0XKZSYBT^S\WSF?2S.L@#1U0*I&.HE/BTEYIF@T#9XPUO3GV_*
M,/*0ZE-#ZR@7= "AC[A8SB=U2D,]XL]BS"@9!F"\4KPIF2!B):3&4$H,@;1K
MG1O\*L'(4Z9/#9\CS#_RO<,64[W$,IO?8[#/L\^S93C_@/-$?CB3+.OHN06*
M%RUMM);.?"3#H=&<"6&R4#L]U3YR3W&4D"-/H3X5%$_KS ZVO'_,9OFOR?GY
MVV_?PV1>#_ZJTUEALGC%:,79FL,XG^L%4@"34B+[L<Q<ZT?>[9*,/&SZU%M@
M W=T *I[WS/_7&"Y./]]4O L9RND80)$,'7.'(O@F:R)CDB8DG+%J<8(VT&L
MG>#FG@W<6CNJ ^Q1/CW'-%GY["P9VG]U,I"39[09>P..JP)66H.ZTI<4VQAD
MM[]_)S3Y9X.F@TW? 6Q>ANF_5QV)%?-OIXN+VJ)/X)?,>6O($J*VUE"Z C'%
M2-91=))+D;%Y3^=V27:[:67/!DL-_-$MJM:\]V<J\Z2SC&N><F43!TIY CC!
MM1$RHI'E)-A:R[,;PI[/97XSWW2 ,S(05BY\S)?7R"+9[+,7P(0)H&2AM#FD
M -Q$@3$7XV/K!Z--&7;#T_.YR#_*!QU@Z'IFVLU TIL)"V=1:*^-SD '>=U]
M*U\#JYQO#(O)A3DK6M_?/RC0;NAZ/K?V[;S3 =3N33M6^_&+E"Z^79Q7WL%?
M(DIA5(A2<V":]%,I"?#)2'#,:*>BU<*V;NDZ2-#=H/E\;OV']^;^D/5KR$[Q
M2_WBSTTJV]_64;]?)M6>ZQ'-B10E23Y_G<\NOGR]VO_K>N0J%:9B@,(-)^6*
M@XBV@,R4-?,2T+ -]O*MQ>R[?^-NF'OZ3P4#^J&#?7$U./=.'"%+KN.% D4/
MK$X:RAJ<DAJTRH''DIE+K9^AM@JR&\:>_AM .V_T JF/&,Y_6U2BH[-HC+:%
M@E(*16E%N!PAY"0INQ%H@V-,Y-;7KALB[ :CYW.E?XP'.@#0BO+T9:@3T6;?
MON-T<>FJ>2TW7O=.WOR5#^%G_=&+O\(\7Q-LK7A47_P(D_-J;++Q/VHD>V:9
MD9+Q",4C!0 A6;*I,!!LX,A4L*[LU(FQ3T700+KL!NGG\VS0!2:>-N$:;0:3
M;S4VO7II^8&+6?F(B^^8*D79^K09FHUM/RE.2-5VA'F&YW$KQE/LJ!TD4Z-*
MQS*X7/'*<[8H*0AH_JIT"AZW^[M05Y7\TGHN>0Y@"_H:^%36?T20+(D8'?-.
MM4Z_=Y6M6XZV?9!R/T=;0\=T$%#L0L* 62.=1O4V@%>5'/TJ1P,>BW6<%:-$
MZ^OK5O0I)V!3:XF' \A2]G%.SWB[U5S/LRRN\GV0B2PH3:=I*)),%IRSF'W
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MT.!QJ/I[N2/8U]%]XGR7206*9S189\O7838*"\6=?C7@AEL1D9'-3W!]W&K
MQ#A\^XU1V]IM!X/S!\[CK%$D\V$^F<TWYP!<GW,ITXDBZM B&S4H731XIQTP
M'IF40B4A6\<C#PK4Q_-X<["U<T)_EZ#'T/*OJ^[K?VY7WC-TB7-1*$,P%'P%
MY\#5Z8X\,5I\V@2Q$]?E*60=]Y*T(:R&&[UPO(_[S >/L,DE>0W]M?7KH.2*
M<^L49!,KB7L=P\*\H.18>\LET_2;X6.!=@J->['9?E7TAX)G=0RL;H@NC5 2
M*6M5 JLY);G,./"&"= \2MH9G(CN]&.>;PDX[BWB4]CP#_7FLX+TI?XF*2VU
M)?T=HU/.4\H0133 1/8B!#KHXNE'8>X!Y,$N(YX"D _P89_7$2W.J-L7D2B+
M02,3N*P9Q6Y6@Z/D"%B12OFH.(LGN,1NK-6XUQQ/+F8Y% _/:I=?'76_#%(/
M0F<I=+T84K5G',$QID$(;U,4 @L_L NNH93CWK$\A9W_*+\^*X3?-D**M)3K
MX!Z4=?!S+62-DDM*4B(O2D29[.FO9?;%]6!M $\!UX=Z\]F%-?<Q2IW)PK-0
MV@(&Z<E9@:R24BW6+L5+X8NU?=_$W*?9N(7^3R6\:8*+_5>+7Z^6*7X)2\R?
MCUXT[7>.+4]C9\:6E"GP@U*)^Q47&8+W"-H5$51@.FR6B9W@/-@BZ$[0]T\'
M^OUY]TE-17[U>L52<%6&T'@@\CV?/MPLY%W4&6<,<C)<*TM@MB54!)E"VV44
M(&-&'5 [(4Y01MK3&.20#>41QD/D=<J)0 XNQ,K%:E0,6KG\OV.0AT+8T6.0
M]W%>1R^6F^-7HY).)9/ )YU)C2# BQ3!IER<1!.M_M\QR$?[?\<QR/LXHU-,
M_3JJ4^LH9>0&A QU"$JL#_P4.L3B*$YVSH;!.).?V!CDO5R_]QCD??S0[1AD
M;D/F@2,(YS@H'RO)#87)*)$[ZTK$S0[[YS4&>2\G[C0&>1^+=CD&N<18F*3]
MU_* H&*Q4 >N@+1*%$X:)&%V@,23'(-\*!R.MV2?1\_OUZ69*C(7<]; LZ"C
M.?H5M5R&%&-RA16T8:A,X^#A$/T,/&X<V!SFE@X@MFVDW.6-2/[79/GU%8DT
M65*"72]SUE>$ZZ+P%\L/8?X?X?P"SXRP)@G:5M'7&B[.%7@399T.A=8(47??
MQDAL('9W!^&!&-IA'/*0#NT3P[_]?3FX\$5*\PO,5_,+'S7%^?GL+_HP?#.;
MK__X]QDYZ78B_CHL:?M 3D<)=\!B=J <A1/."07&N,(+:F]9ZV&GI]>RN]A@
ML!72$UR.?DD9\VQX/5FL[MP_S/';Y.(;^8E.4LOK57]F=,SR6MY;/#"FZ9A%
MQ@Q/XQ\-&U+WT33?P\EPC#N?-(ZOC\3+O_=A/DET+M9K"V4]Y"1E):H1X)FD
MM4QYED]*),_E^&C>*GO';;AC13L'N[999<@I7O[FLS?U6?36ZVCCQ[_[OV"X
M][\=E1KG"9 +K5,, C3603J20.49'?M&%9&*C#;N-N/S^3P!*J^\E#J"5H+5
M9_4$SC +DE<2E&R*9[:Q19[U$^ ^"#OZ"7 ?YW60#-[W]."9,CE1",Z]K1>)
M=-1$1G%XB12-%VX#NO]] CS:_SL^ >[CC$XQ]>LUM?.%P@=6W^-MJ(&Q 8IC
M'(4/7'.992GI?Y\ ]W?]WD^ ^_BAR[<>EDPLTE'TZ:0"%3B#J)D H;(T.7!K
M(AOTK6?$I[^]G/?H6\\^ENQSC[E)D;RSPEK!:UVBJQ63!7QPB?)NI3//WD71
M.H!Z1F\]C4^PP]S228?,;5-=I5'O<+DJD,6K:\\SEZW*F9.)6"#%$NW4P3$)
MC&>+FB<;@MQA%]KK2[O;G0[T\Y:"Y?9&[QE-M?YZK=):P3-GR$RJD#K"%TI7
M'$)(!B$'C4QSVNW5/@WA.WUIQV\7@Z#I**/W>?S=72KU<>5,<QU0"5.+\JMB
M/M1B$-K<&7="1!Y2<L.?A=N%Z_CEX!#4#>N<GO>P*Z5>_ B3\QI$?)Z]FGW[
M-IM^6L[2O[_.SLF3I"VCG3D+!(XU:HV*0DRE$UBOA(PB"N=W*<PZ7I*.;_<'
M/3O;N:?7;IX7*5U\NSBO#V*K!FU2DS[Z*TX7DQ^X-L+A]_E[?'B3N_Q#E6ET
MCU^IV)8_KV]1%3-:<Z$@2<5!%?J5QQP!*3E$P35FHQL?)+]*<.R9N8,YZZ:\
M3H*L,U$C!0">H _*\@S!.@<&/9<B80J;TR*/UG8?^<:-_H] QN99.9A3.@C2
M/F(Z#XO%I$S2RC7O+Y;ORPX*KVO_C8N,.0'H#67AD1(=KZ2A+3D;28&"8:(U
M@<XQ\HX+R.%0-!O)I4\8OI?7D^A0*%*7P@E*II1B9&;#0JV R9*GS'+S6J;C
M)!X7PJ=#5B-('^#F)PSJZ^88G62DO2/5R8P*O0;'*%!WV940C4(F6@=!QTG\
M-$%]"+8:P?H 1W< ZT_D4ZPT#>O0K.HUFU82Y?4C8FTC=)*!E;: <I3C!6T*
M<.V#+,JD&%LSUCPHT+BWC2<+%MHYI0.$;>APN4)M#!:C8("R3D;+0H,W%/]S
MY52DV-_ZTOHA?ZL@(Q>)M'/TK+75.X#.K07W#I=_3N<8SE=S7Z8_<$TN4]ED
MZIJ[W'P5:DPYUX*M:K':"1"X5"!2P%!$L@Q98U3M*V,/"?A1L+@_#V_OH[XP
M>*4(Z5DG#KPYG_WU3\Q?\,/*])?J)13!"9,@<=KME7&,U"-;"I9ML)PSB@B&
M@^ N(HY[B Z*P.8>Z@N K[%,IIA?XI1^L?QP7JF9KGFV+K6++J-P 8&SR-:A
M+QT<!K0B&];A<KJTSI[WDW#<M[M!X=?:/T\(?;3B5F1TGW#^8Y+PU6RQ7/>$
M7"TZ513WM-=+0?]2D5%@G)2!E&DM9H.%@N.18/F(Z-U<4#9'UX% ;NGJIX7P
M/Z?AVVR^K.'-1E!C@W!T>#@0I6X@4DL((5I@7 45!6TN8<!3_V"YN\FG.\)V
M&R?W!>R'KBMN2@B0,>V]+V!RO36+J5"^J0(4SWQ@GIML!LR>=I)QW.#A9!=
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MN( VDH^[C[;$THXP'="Q'<#YU>R\WJC-UW7!5S9X'\\G7]8TLY=JY1 C>BR
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M@:!+A&"82]QK9TOK#>EQJ3J\'VV#J\8.Z0!B#Q,/O)I-EY/IQ>QB@TOIBE*
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M/](@[JRP.2,E,-$%4L^:)CLB6Q?&8Q!&83Y H>64HW=WR=$:9-/;3YM)_+B
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M,N^J" A9"N",,<Y##O3YC0%T),UDHV3Z>#/9& 9W (T'^YH4J0GS3D%"5V,
M2ZR@P]>D0Q;GF$W-UU\<73/9/G#9F^D] .>[[J:ZQ,A'48#K7%/5R'8U+H Q
M6U=7T0G1>K/[<363[069O=C= 5[N]3BY^IY5@H3:S02J;GY!- ID#(ZQ4G*X
M7]_S(S63[8.4/1C= 4Q&=H9$;J6*:"'%J@0I,:C%+I"8-,R6PDUN'<[\J,UD
M<]=<3!-JGY"=TF'TT]>WV]5?]+,J./YOQNU-!7XQR7M25K"A5N [PVL?GR%K
MX+Q%[X4K!QCBVY2F(W@OGXC'>=K/VH#CN)2EDOEVG:\)S^GGBVV5[J^KLXBG
M]6]/<HI8DK)U: >G&$@'(MY2QE5*2L5[1:'T<IKQ/ '=J<&"V)RN.(V!<GQ:
M\N'?FUOB;ZF^%-KWS!!&*R+<@#%(]LSY IZX 5HH#"&E8/(!ZOC:$=1=Y<S1
M:M&,0#I"K2+LWS$JQ)OZU;/'F,&+Y,@* X&)F)&U 4]J "4R-"X%%_6"LP#&
M$]1=B=#Q:M5\0#H^K:J%5W=X45GS)#=<B$8*[P"Y)O<=G(9Z"0+HR=P8=-+A
MPB'>2(JZJWXZ6KV:$TI'J%BK+W>,3.7-D\R(C#N#)"<NZDP51IFMST5#22AE
M*(DEL[1>C2*HNXJNXU6K^8!T7%IURX3?B?(/'W%=6?,D,Z0-T1J>P>8ZNLUZ
M!H'1+UJ95(SGSI8#W$>W(ZB[BK:CU*J9@71<6O4N?]F<?J&OGRC.=6'.07**
M@<+((625H)1HBE>!3$?KZ:-3SCE(!^S?.C"'V(\4VC]OUE_RM@:EFP]Y^ZF6
MQ9Y@\77GGP7F=*;HTWH(Q@O@.B65I#?F?J//(FA_X.B#%,#]K0 ' L=QZ<23
M0Q433T%%C1!3%'5/EX-0<@:6-$]2BU@P+:<3>\_/]'_KQ(' T6SBYD%TXF&"
M_[E=G>=-*8]+A;E40F&&6%#7VDDE(.@80$KO-8J@N9'+J<M$JKI[O>F@%. 0
M #DN-_+\&^\U=TX0>6&B.) Q[RXD+ 0R&1""$S%G5/G^]*>^B@*N"3F:XH"#
MH'7.\H!)T!FO/_Y2?];YK]U]]7%4"]SPQ@CD7GL.B>=((8$4@+4_LOC$.<,4
M,2X8JTTGK#O_<\1J=@!H':_:C7H%ON%-#@Z]8 I<O5E7%&+4B*- 9G5=3#1"
M\:6+=281=C3E!<>@=O-#ZVC5;N0C\6TH8'7 7!A9(I] U=%5(9O:S)>X]<QE
MUKR;Z3"4'4W]P1$HWB' =;R:-^H=^88WA=4>64\<L5:"BDZ S\C!)&=ML4HD
MON EQW3"CJ9 X1CT;GYH':7:C7]HON&-Y[Q61"DP2E7>T"]8,('@SG+#Z:LQ
M+Z=VTPD[F@J&SM7N0- Z2K6[>=J[(5F7@%QB "LM9;3"1\"<&$3%ZF->\LH=
M8&W&X/,>38E#YTJR'Q".&_L//&O?<('S6%PP!H25X;)Y./AHH11OO#<QN+!@
M3#>$A*.I@3@6#6D%EZ-4FJ>%=)(3:NN(X!@+@O*2(E;!Z7<Y6"X5N=,8>GWG
M/9K"B,X5I2%$CF,=Z<^;TU-2R"V>MEHN^OU/G&%5Z#/'GG'Q9Y0F!28%&!-C
M?:R,X*RWX))0=2UN:3\+\(%C-+*:>/IF-_]X-S?T[;_7.;U:IS]/<_J+?G>'
MR9?#2)QSV57?D-%P4%RD6AKD06M64& TF&;JM1QUSOZ6>8[!S"/&:SY)=5"1
M<GO\W0A)90P+3CB((A:*WEV$$ Q2(!)R5%F)]IWRWYZ@BQJ0&26^:<;^KL!S
M-<9+V9PCEQETQMIP6#A@%!31*ID8DM/.S4LF[I]A60#M(\]'H3&!N0O/)*]+
M3?[<;CY3OO/UEHZK 6W,1ZX3Q9.F-OFH5.?X*9M "\,E6DP6AVR7>>HS>@'!
M%,EM9F!C#R/JOR,@1UF<L@C<1P=*.P=UKC[XHDQ143C!^  <//C#EZUQ:@:
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M48FLAG3OO-B>PE$"?KZG< 2WN^G$>:2C35B-&"@:1NF!HJ<:#0<'3DG-6,)
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MU7E^O?GW^L3[J*0D\N1N%2$R#\Y3WEM=2?&H@K[?WS/+"-OA)QX$8W.<,%Y
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MYCF-D7X'D/_O=;FH@=FW:W.N=Q(BBTY:!,]%H&!=./"Q6'*6J00>B_"V=37
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ME@[L)J-@B$G:0P#'8W&^L;NK]4-\V&.FW'Z?-Y.-FDSR/,:KH"D4=ADH,5%
M9I4'AX)!,M$0R&+TI7WB-K?QNHI"K]^-3Y(R: 6I3 HZ@2I(1$K24N:YSY@T
MS\T?R08<JROS-08'0\S7/B+H-/#_[_5?%[A%LLLY7:<XEUE-L:@Y]PJ*JUW5
M7A9P/@I*L8W'G(-DV'IERJ@#+IU^SHJT-F+I%'-C$Q,AHE 4)X#B4H#"4B!X
M2=F)8R@3Z9IJ7LG\ I+-6?$YIPC[KF/ZO:YY6)U_?;7&TZ]G*PI^_GN=5F=Q
M<T'*FNYYB+WCO&F?UC#*:T#N/#&>\,**3 D)5]P2K+B&$ ,"VF@5DSXRWWI"
M4-L8[ST2PS[0-[]:IP<#YGO,_1._[JK-/FQ^NOIJ3G\0;S_\.Y]^R;]OUN<?
MSTZ<T"R@4#6CDJ ,XX#&:N**MQ2,N&Q*ZR:E.>CH*HH<@[3OI@8O+>0.0H 6
M//CP[\W_S;@].^$Q."R)XAU>O4D1MF[_KH&0(S%P%Z-NO;R@Y?F["EJ7!O8D
MH;X40!,X\R7U,1NAM(P4C-4>1$6_A* X,$[2099M8:VO6MM2T%6DNSBHIPGV
MA<"ZSCJZ)-YF[YG,!HRJC_.,1?"%<^#H4B%AY-REH;XA8-D&U<Y /4VL+P73
M],LE\::H9&PDOK,=\8B4Q>H )LL0G6%&ZM8/1DT)6+9=M3=,3Q+K"\'TAX]Y
MF[%>V)S8%#5WDH%/Q +%8@2L(SU0!!\T!I::C]IM2\&RO:V=H7JB8%\(K$]8
MD$HXI%S8U'O.4 QE$B*"MLD6B]'&YO/>6IQ[V?;7SB \2H@+]F?O]OZ.I/?U
MU1'?;E=_T3=6"?^\.3L_.W%%Z8A1 ;.[[N+":G>Q!1T5?2$%+M6])^N'%R\W
M.L\@0+J. ;F8<([0DMZ]T?_E/[$NR/Y4_W2B>=5#9Z @$Z!JNY 3RH.7S*B8
MHRS-!PBT.OL@ /N. ;RH,/?8CO)7'0GSH<V:^K'.Y&(;/]:'R+BCOVY%3?_?
MQ=70#Z,-VEP0ZA1&4$(;<,P(""9FX1*W40[9XM3R3,->.5C'(%U42LN#=*J.
MGE@1@BDI@'0R@5*E !8,8#FS7B0NX^)7OL/ ^1+?X$9)I^^RU,NZC'EFKCSW
MDYN.7!E%QCP%!R8'+#PER$)3.EV<J(O%$G@4)C&N>6*M@Z&V!0>U_R3GMY]S
M9=V#+74GV0<FB]-@(Y.@=,W!D # 3>:<9<GH[V;H>'SZ5%T5 XQ!P4.=C0T%
MT+?IN2D/O^I@^>4_G_/ZK%T/SL,_=H[Z]@$$S&-QDD<68Y' JN=3@1)09S!!
MLCPG@3:8U'<9^[=0K[GT2>#,1VDC9(:E3C(PX+ED$+D57 H9C&Q-T_>GZ,JB
MC)'R?8NR)X,[N*NX/;BVUMO",FBF."C#)6!T'$+2EB&3P8M9"OH& ^)093G[
M &(:._NNN'U_\9F\0XW[\+3.1_SU=//O-^NRV7["R]TV^WF4@3^^H6>90M \
M'D9*I(@B)N"8!64Z28,O3D%,VGF7R'C$UI7U;3S,;I/;%>LNPZH;FK36(05%
M(13SE+U9TIR0'?T.>:GSW'4RXAE@//[3N_(<8Z3WS0J\_1G7@>?XUO==/R2=
M^&@UMUH JR9/%<G!)Q_)CE+DSGWP6@P:"#<YP+@^R3)0:27?)P.-2<SN.UVY
M:Y-_PM/:P?+^8ZY=+K,XFF<^8B9G,X:P>1P.,\*6H@I8&1DHRG;!>\%!EY+1
MI6"XZ[-K8[?-\1LEV+7CG;U:I]]6&%:GJ_/5Y6S@.QI'E+$2',5@*M4GEY3
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M2MT2$&3AL@C=NG_OB/O9QJ!C;#_;&$ET$(,\-AM7&6Z#*0DX,XK(H$3(V:C
M"A0^9$L4MBY9/\I!UZ/$/7#0]1C>=P"AMF-O-=.>20N>!015Z!>'2=9-7DYQ
M2Q3:@S0BOZA!UZ, ->N@ZQ'2[0#9#\U1-I*":\LI2N4[A4<.WFL#E%QZR9)-
MN7F=[ L?=#T&$P,&78\1T,+WX[^^?O/S)?_H8S?$TRL2!!?>Q=K!F1@=O+A
M)' -AOYY49E9YH;4ICWRXY<M05L<.ZT8WX%]NDRV;B9__5;_017C;KD!>J$8
M]\"ST9>CQS!F!T('+834-C-L;*>>.$ZO98_[!W&M9- OG*YTS3/F..D94.;$
M0#D=P14I(+/$O1/"L.8K2)X\T+(NL)G8A\%I@@P6]FU_Y/-J65^E3ZOUJN;=
ME8Q+ZJZ,;2K"QF0*Q!1*G5-@ZSY#1Q;<FRQ3S</M "_W[ =U"90I MW,Q=T.
M;,^0$HL@DQ8J:[#9>-(KG0&+=.!EB>3L7?;L<$.;?AO51K] :<K^KJVU3#J
M67W,J%> %WAZ^O7]YQQ7995OX]!Z:?T;:6K]+\6GKRCL/#W%[=?ZYU]PN\[I
MS?J7_\3= \:O=UX_[I4>G&1AI'#.@W6EU.G9%)=*5@ 50ZYB5*%YDG@8RGJ]
MC)L(R$WWZ.A 9T9//0Y9(0JI@'P;.366+80D&11E72##(XQO/=5LEJ'JB[9A
M[8/C6276,R(?F22<A,B%%0LZUV88R0NX4*<&\.BDL;7'L74N/,< Z$7K6V?!
M8P-Y=0#'?U D_]OF[.SM^NWJE!S#/_#LOW*J ]U>Q<L*BY/,I)'!!X@*#:A
M*:%C#NO*(('""(>F=?+\_*EZVBS1'G2-I;)X*?5=;N$MLR@3W%VI4MA"@OMY
M<T8!!@]%Q$*$1)[%U>PL$3+H9+0/T;)X?P7$(T7/PS^SIPGV[; T*^<[L%R/
MS>)[_ZX6;ZVV]<;B78Z;+WG[]406[ZTL&A*+EK1%4RHI30%B*A;F;>2B=4G
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M4HH^ZMB-JL[?;O_"]>I_\3+B7Y]M3E?I$O#K]/^S]Z;-32;)VO ORHC:EX]
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M@V>P*]$!P-- X!W YL><^>;RUR.7FJ@''YDE-F2=%E<RL*2-)\/P7K2>K_8
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M&K2WW%G.G.%;U?!O#X8QG_T/5M_],-A#EB,#X6/"65A,Y^\7^&TZOUB>??^
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MP#TC1K*K"EB+&!3Q8I50E.LR"YY)!2$G&8OE7-RM%=P=,5<?UM,-\="(V4O
M'1Q.O\UGG^FGG5=I?:)_<UF-H+,I03D0WM; +FEP,=4V+:REMRE8F1L?3/?1
MT1-^#@]D#I9TAVBY*E&P7AOE%0A1'"A;!Y(4;B")PG/2F6=LO83I?DK&/:,.
MU_ 3D-E#W!V YLZ#VNJJ$@6]"([215NKG51MR(AU]3H/.7!'?S;-MR'?3TE?
MH-E'QW??B X7> >P^5=83*O3K;4!:TL2!;&6PH&0GF*Q.FTY%.X@).T2CY9;
MVSJYODM#3^^)AY](!TFX,X1LS$;DHJ-C''@L%>.2,)Z)%ZN54XRB+PK%!L1(
M#Z?085I]!")[B'CLE C3!7WBNV^XF-5!UIO7O]GG=;W1N]<?-IXQD TYEAPP
MQA 4L@CT@QADE;A7$9/#.ZBY/RG:[N/Z@<<^&IT/*]X.W,I#+W3)&:O)ED!Q
M2AX5HW/9!>_!:"YU4IP.T+]MS6F[&][]Y-T=;!ZM;"R":V.#!5<G?JI:G!M#
MKH6.Q?BHO51QJX;-OU'-Z4Y@V+_F=!?-=%'#]R-OKT/"3<&7UUQQY<C+)E$%
M9@2$.C$C:&V]U_2%W+J>]"%:>KK'&0)1>TJ].Y_U,BRGRX]$2\CO9K?C!#YA
M J-V5@"SI<:0AEQ[IE12J)*3=TJ;-&R5_,.T]923#8&N1EKIM2#G%_PZ7TY7
MRX_I"^:+,YR7JZ_L7XSS],]L4HBS(^D'%N&L.X\KF<O5-(6SFWJ,U_/:X_7'
M\F9%=:* *R@)J=@*"T_8$P$AFF!0H)#.;W51\E2K]S;$'.ZA-A*=GV/]K&LF
M4PX<"W%5R*"(297 (\M@8VUD*X9EWSK3?XB6\7K:V^/A9U_40/Y=G'27?/P^
MG^'WW\/B#UQ=?6EB%4\EZ S9%TI>L"XXK(]WB:&2=45T;+[A[Q%RQHZ_6^C[
M 1 =*OR.</0Q?)O./B^OV0A9TIE+&:^508#2Q(MWR=#)GP(:HX+Q[</M>TD9
M.]H>$#^'"+T#[%QEGB\QU+*!*Q%MV'F%B]6TD"M?X?)=N;&/$ECTDIQW]=NJ
MUEO'&.D7(Z)UA7.K6K^M[D/GV%'X *@;7%T=0/+M?#:]P^8E)[?[8Z35T0MF
M2(C&DXM6$:(*"G)&E"'RR$KK563;T#7V+>@ D&NNC@X@=FT:16'F(MLZX\36
M#A<#/E'>2L[;9&ZBCJ[U=O&=O-. +3\#GHD[B75_.,Q7X:P)'&XN6]^5QSWL
M+<Q_FO_\M6LI&E=\1.N!\:) >5-W1W(///M0G%:,-P^]FC,Q3M!VG!1R7(UW
MX &W%\ -V[=SI0DO*:CZ-LO0I#H"*$ 0S())HJ0<N4#9N@?I4)K'S6)'AMS>
M!M! _Z>*]TUN-]&^B**Y!FF=JIF<AA""!!D\"ZEH[T/KIIA#Z!TWVWX&.-]'
M[Z>*\7MSQHD).H62%%@5L::,K@X*3<""*<Q:93"WKK9O1_VX>?\SP/_AF!A]
MQ><-UV_KB($M&?_Y[V[&$BPGELMDZE%'Z1%EN XC.,89*"%<M#D+^N\6]7CM
M*1OWRJ$/M'>@\XX0_ZDFQM>YN-%*"9417$W#E>7$1,D&4/*<54!32MP1N#]\
MP+CW&'WB;W\-=' ;\F^LA;.87WS#!7&S*<I]0)378D,6F6&4C4N4EF(EU."Y
M#"!$$%S)*KO6HZOV(G2<X. XMQK#:ZZ#*/=I)F^GJ;XX$YQ+8&1UX2$E<,8)
M\%H&ETNV4K5NT-F)P''O)(X F)TANJ_V3@*:5YEE]"0IGTEP3 E0W%AP(7(H
MH6XR-A1HW]TC?@18=G%]T",D]]':2<#Q_D0O*N=R?<<K @.H*#,$;PND6)).
MM7%XN[4L3<'98:;?(U0/U^C(B<P]+&[U HU:J^)% 1EUJCWM D(2N>XEL$48
M:TK89OGMGA\_;A)^/" >2T/]@? >AJ*QI4@A@)M0B^JY@E@*98HQ4;#N55%R
MFS7M6WW8N%GVZ  [4/J]-QJ\#8LZVO0;'MY?\-./:MI6\#BA1^LFR,X(96*!
M7#=M*IX-!%<TQ.!Y'9XDY';#@#KJ)K@%[0^8SL)R2<<XV<#RMWF8U2_A]%OM
MLJD=-C78Q 12"E-O)0MX- '(H6;KBM52MQ_1MQN-O7<?[(*?!XJ<AM%7!UG#
MX[>H+Q?S/[ .7I9!.%NT(_>+F5+S7"@7(D>L61+292]8\]T@VU'6>]G2(=@;
M0#<=(.[IZ.*:,RPD)L$R%%-+F4-"B-K2+PJ=Y,'JV+SR?'OJ>K]:/@1Y ^EH
MY#A_.WNZ?2.9H]%6"D8N/$I0A:3ILZ.<)GN7')(OS]LL.=_Y@\=),(?%UO :
MZ Q>/S+UZ@NF/VZ>FR<6>6+9R;J7M^;'NKX[<^(SL!1TSB):O@>T'OW0<=+*
MX\.JG>0[@]3]]O) (Q"Q1\DQ)_%9CW6 'SGE5 HP98TL%),6L<V%Q2$T; 4X
M<_J &TPOO5]E7 X@KFG1X7<9/_^LII<93Y!ZM-N,@K)$#!0PL3J7H[;,!(&4
M*NI<F/6)?-#)S$9XC75+S]D_"/\U$:X_^T7^%F8)EY=3N;221LK"(7-*4)1(
ME)M$8P M]UD79YP3C2/XIVCJ_;9B%WS<C=N;ZF/$LZ]*ZP.Y5/*<U_L8HG=T
M0'N21JQ+A44D!RJR!.NT#$E3SM'$;NY\[+@5&VWU.6\CW'YPL9D>B5PE844
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M/700-&S8^:&"]&>FM RF"*/JBGMRUHYGH&C( TJ58Q(V9M.Z_G(KPOJM_&T
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M&?<^=23\-5= LW3Q6'49M:AEEJ9GT_5'#%")<?\'#%M[L0531ZBVD-+:$*P
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M]2]O7FWVB;V9D;3K@-#W"SR?7IPO)URB-;HRCJ8VIK  SF( IEAD J5FN,T
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M_>"VPRNV?\?U27*"#%+6QU&2I)):@LL^ J??+(@B"G>,:H=!1/?RC-@.2;N
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MMR'ZZN#Z'I+GX%QG%WR ;!-Y)CXQ")DE2'2Q>.U3C*YU+4KK#&8/[W2#$')
M!G.(NOI&XM84"+J82W (TD959PK4G@[C@6>G;<C1&]/ZA?C99C '0>7 #.80
MO74 RU>+)?Z"WQ:KV5623$@=>)+DX+*:$#%90<Q6@'$8A/,A2FQ]#MZEHEMP
M':[T15,-=("AAS*N&J5.63-P*M!MP#A"'5\"ND[H32*79'K+@D\1X39'52N=
M= "OG1(#FDEF"^.0 U)\SFIFWSL)R4?,-J"3ZHC/S\.RX#V\.X_DM>VGH Y
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MH7!$D8.-CTT0?^CG3]XP-VF.HYGD.[CG[K9HG0NQCGG$Y??-;[T\*T3;SW^
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M(<Y.9^L9KBY4DM_-/V Z6];7?OH7?E_,EY?_N,DZG%?%2*U5R(P#=UR"DC:
M4U8"B\QZ$3RZV/I6;T;\M*4=S?!V^]R<1KD=W/=7C+_\<<%F/4;>+.G"PGGZ
ML2F3#2D&\E8D>&D4*&\Y!"WH[BC>2&9)K*9UGGT'LCI!XG$!<Q]L&VFO)T!N
M8^BBN)9)KHJ,&A+W%.KEVC4GR)E!&[B/082,K6LX=B"K$T"V@L)]4&NDETZA
MMKJRV(M::I>$D\KK"HDZWY8$Y]$FD-$6BMZ08KO6X_%VH:L3L+4"PPY@.T@S
M/:'MY8^K7_[7#)=$U)<?=9K"Z<9&E=(%/2M@<HRUE*1 B#J % 65L!3\Z=:9
M\=THF[9PLKO[MI4.>T+F36N[R]^%75LCBXDV@ZT38U0MYW<V2]!)HTM%&:-&
MBUYV(;"3D[$A0G8Y')NHJR<LOIU_.UNO-A+C%P>^4B:3X2)$@064B1PB)_?%
M6%ZX#*BY:-W;\P YG>"L/0CN@]N!&ND47.*"E:2UJ76:( R2B)03X)CC@$8S
M'YQT-O@C@$L, -?XE^TDX-I'(YV"2UZP4IB5AM$A;[G5H"C4@N#):0TE61UB
M$8*/E@J]2\ZTS0;3@FL?C?0 KKNI_HT?X8SCN6"@$]?4NHPBP!?NP'D?@H\1
M0_.=J/>0T@FHI@T/&FBI [!]6H;YJIR/AOF(R^^S1")Z5[8]-WVB'[G:_D<7
M!LRC$>3C%HB8JXM0-R$*XR S.L65HX.\^8R>EO1/[.6U -2=JH6)M#MQ ?=O
MB^7Z<_B,+T/Z$XES,OW-Z4!B>+?^@LOKW[FX(@0SGFZ> G5B0ETAZR D$K=(
MDBX(QFISSP[5VT._._$J@LG0L3B2JO:&X7=<QD6C(_8^#B]3F];&9"PC=\1$
M\GJ0@7<!P?I0-\?:$'/K%[>'*9H&E.-C83&:6KJ&V?E4@I<__OCXMP5];UZ-
M]N.WQ7RU("I?U\FLWY:SU;5( SE#14MPI8;YKOK)BH3KA+-,>,:Y;NUEMJ%\
MVK.T)9IV!.J(BNW ,7VU.#T-]./":6V+N)3!NW@Z^WQ>1'>9EO+>9B2ARBPL
MJ*(MQ.PY),UY2#D5GIOO&]Z-M&GS.B,"<@S5=("XQ^SL_7+VG=B^:UE.H4;B
M"'Q2-;\@ X1([J%VM8-'65^P]8:#?6F=-G*?\)!LHKP.0%J;P.^Z029*KFJ;
M=[;D!D4EP!DZZ87-&14S-C6?*KZ-CFD.O*,[C@>KH MW\8^/5RT-MWF1PFA5
MC(>$@>S0,@4N,@[%&26M8"&GUAGL^ZF9UJT[7->+4<3>P4GTF-NY570L9Y6U
M0"B9(ZA QA>E"X#HA74V1Y5=<V@-IW-:UVT$T(VLJ@[@N'D,N,>QR*:D[(0"
M)A0#)3A%/6Y3+9X+9IN0V]:H>X"<:7VPYN!J)?@.,/3;V7R69M_"Z<O%/%]%
M,2B4<(*\4A8"4$P3@4[B#,5G.I-%%*EY@+F-CFG'=35'S<&B[@ NKQ;+;XME
MG3*RF-_%OM(FF!(86"PDG> $G9\4_<8<N2K1&C2MV\T?)&C:(5K- =1.^%./
M9Z?+>/9Y_OMB?>T)IAR+S@EBM'3U&J3HI"Y52]'7K?,F<':K+GC[L/4[/WG:
M<57-,-! ;#T='Y6'.W+QP1E;"^EUTG069ED@($^@BV.,>^=),&,=']L(FG;*
MU'C'Q\'"[P!)K_]Q-EMO"2B#-T$Z!B66C7PX!.\#9&<UMYA08>LX?CLE$R]%
MG_J9NZ&:ND@=_796MU&\.9OG"PZXX<4'7<YK]I02$N@@9B"38<&H%%1N7?=S
MFX9ITT0M-'O'03Y R!V<2;_@)N,^^X[71O1AMCI?QA.R=\QF!R)22*AL)/=,
MFP2%3E9KE--JA%FS]],S;6S51SUC,WUUA;U7B_EF8$ ]V"^KC+G0K$@/MD@2
M4C8>0K$.&-<,(Y*7&%H7.#Q$S]3Y[59:OQ=.!ZJ@DZ71F^5,_PS?5H&<"/K[
MS7=NS033GEE@;I/E\A:\J*,;BTQ('-K,=PG7=OA4+V Y5*=;=D.W$G 7'M(;
MNKR7>$%]Y$4I;0MDJ>MB)!<@!+*E(K*QWA0,MG4D=_/[4[]E-,;,P2+NX'ZZ
MB?E?%^G/.K)KMMZ$&9>)\\*M+(E#C%*!2KK.M]$)I(E,YL3H-UI[U(\2-?6[
MQ4A :JN,#M!U7S'$IA+B@B43$XO9*= 4O8+B2%<[DOQ0\Y(<_:FYO7ADM)*E
M&V1-_<8Q$L):*Z0#C%UD2.I4PX0D-8H^WA.797$Z6WS$SU?-*Y&%D(2I;$42
M6]U"X72Q9$E)B\*L=J%U:=R.I$W['-)'S#>&%I\&."^LFGR$S+(4D$(1-9L7
MP&N2I?$NY""#<'$">/80&(X"C>'PVT-/G;2>_;H(\]5_X6E^LUB^G7\G!Z/R
M<YD8C+FF[2*(RI1B,9*_2N9;@O)2!9.ENY6#>+#=[*%O=0^C?52\I7^LF;S[
M/,#H5U57^9JUES\N5E%O^;<WIIER4"J+^AR*EFZ&Z"$Z<BFX+$9@9MZFYM.E
M6A ^[2-UMS?SR AX*K"_G^5+3ST';;B,Y)K7@GZG%9# $SBDRZAHX8T?:4S"
M881W=U"/#;A](-]4^QU _@.NZJZJ]2R<7EYD%U<6,IV%I3#3\<)(E"Q#T#*!
MSIF9Z(P2IO7I?2\Q3P":;8&Q&$-+$SNFFWT5JUG5VB]U.L[BV\:)G^=7B\W3
M3]I,J2<OZFKDI@JNSHY%$A8H37>8\]% B#Y:91V2]';P40=^=N)A6)-!;6P-
M30R^FE3%92VI(7;>SO,9\4/_L'':K[@I)6#6Y/$'\M$Q< @V%O"*&>E,\:R(
M'?#V^)<FGEXT*<0:ZZ&#&[2%O_[KU3X6)9(KT18H6,]SEJHU5;LR,D<A(B;7
MNE.D*0/35FEV$CM-AH@.S.&<YRV[,ZY69R@L(7#RS -7#I2P&8C! MD;E3@W
M9-ZM)ZL^2E0G\U6/#YAMO53-M-<!''^NVW[Q/<Q.JWV_62P_AE-\_5<Z/<M5
MHBDMS^H%>/X4>V*C98$%!;88BB-];<KWP@"9?8FJA*Q5ZP&M^U$Z+7 ;P^7!
M/O=1=-=%L<[MXMTWWW^?O2+3/O>]R=+3^3^<E&!#8E: +MG0I40^DC-T,V&*
MEGY+:H&M,TN[TC9MV#0N#D?13P=GXV]A^2>NJTE=\W82E&,QQ !>RCHS)Y"@
MI/00@S5:9L.X:]VSL8V.:6.D<?%TL-SWQ\YB3;%6"^S<?.VJI_$669WDN@LW
MU/8HQNI!' UX7Q1DXB[%Z)Q,K2_1'<B:ML9G7&2UUDH'A]1U4=2YZ$Y4T;P(
MAF0HC [9NM(B**.!F+(!-?UQ\_#A-@W3ENZ,[70=(.\.\'+58+<A_\7U:M(7
M7Q=G=$<3\]:9@H!2U.P2.891Q0S,T/T<G$+TK>'S"$G3/C>/BZ:6VN@ 7/<*
MZ\1*[C1G B+G$137O@ZWM"!9JITJ*@?6NJ'L7F*FS<&-"Z@V&NC!@;K.\#PD
M*^OI7J;_(UD%NJVYD,25Y1"3D3PIKO3M1XG#?:B=*.MD:<SD&;,1]-C!07?M
M!=S@[Z0D031K!X$),K%2''AN.)W67H5DT#K>>CWE5D*F37J-H?%[G;!]Q=\!
MAAZ6TTE&(YQ&"59E63<ND8>9-(?D?>:6R<2;SPQ]F*)I3[0CH*JA0II=H/__
M_[HC;3J7_]S\T>9/ZG_U <O_4__^QX>W/_W\<AH^K]9A^?^EQ=?S'W][W]/J
MP^+TE(+A?X9E7FP?JX'K,#M=_<S8:O;UV^FMI0=W'OOW_];_NF;O-N,7G[P#
MK=%8Q;_6.,^8_]]&K^#7@%I=@99<.N6S->!K9;Z20D,P0@'G+A3&F!8XVB[%
M+?0T?O'?XFYL_(L_YHNXHOBG)OHV2\%JF07IY'2VT?;Y.[-3AC'O:PD-&;5B
M=0YTL1*$"R&[F&,NK>.&AN1W\FQZ*.8>>< _FH([N+1W7"F;7<K.;9HEU&8*
M40$O P>>HQ96:&9%QXNCC_60?SS@[+<Z>H@6>\+F3LL<HV>QB!#!U.RV0B7(
M9_(ULHM>(L^UGW8LB#Z;U=&#$'+0ZN@AZNH)BUO6?0KRG;47CJ14*$Y3GAQI
MG0K%:12I:>5"XJT7:AVZ@+63U=&#0#!@ >L0C?0 KGLV,7(?+?U_ !&- >59
M75)L!&@LR4:6BE7--_L>L(#U6-F_Z:[9!GKJ &Y-YU,BR1&]0Q#>,E A6HA)
M!<B^9&5<]+QYY=SS7\$Z"%!CKF =HMU.^N"O>/XP^_SE:J2.CJX^7V?PV=7]
M.U%#K$/F=&'6I<@L%[>.T@<;X+=^Y!DM5QVD]RW-\8<KH8M*S;V7?)7@..<2
M07I=^_\S R^D!5[GP M+]TSS6?RC;FA[&K.2]T'M457=P>7_^/0Q2RZR*W4?
M1F+T%Z8=Q#K\5ZG">8B%>]XZ>]OY*+AN0-I6>1V@L8UG?_VRK[W![+4!E)$"
M/S)$<"I6[SXSETI(,H^6IVS#PL3-HKU$6A/BXMF8Q:MPFLY.-[^\\59X8BFH
MB)Z\L!(,'1&"E.-XX&"Y$D*0)(+O\PEJ.S^=Y+NF .HH1M, -3U9T(T\Y-]G
MZR]WF%_]S/W/HMH(<O-C3HQG@<3/P)9,L8M*&6*1'&1$1)M]8*KY4.7&/#P'
M2VF!SAW>+8X&E;U-Y1LN9XO\<1V6Z]X,YF_DYOZZ6*W>SFO'9NW4?!V6<_I7
M5OQ$)2N=%P)"(L=7!5:;-6L#E"U:)YY3'&_>P:B</8<,>=_&U0I6S^MV>G^V
M3%_""E<GC+/$D^-U.@\%EIH\;R=CHK\4Q;7P"5GKG-,8?#R' *AO0]H/,L_+
M;&JWY.J$2\F*K"6PMFY 5\6#R]R!0>:Y1VZ";UW@WIJ'KE9)/4MS&0Z5X:;B
MSTUECI_#&O.G+BT&U^O3\WJ.$\D$6EXB2,X<7;=U9!?* )Y;-,I(ZYH_^H[#
M25=#^9^G]>P)FV=I0U</";_C^B1)'75-T+/@24%F<_D&!=DPI3RI+L71<M5M
M6>EJ@/:SM**]@?.\O+;S_(JG<R0Y)XCAJ$'5@L&HG8/B,A97.\QEZUU"DZ3B
MCC4V\5E:S'"H')B*>SW/;<UED#)^RI!\)"AM9/>NO)VGQ5=\79N^5C/Z3W^=
MK=8GM<:V&$%7<*HO<Z5(\,8X\"'RK%U,J?E,C/&Y>@X)N,;O0'T@J-D5-';O
MZ/\^"_/U;'VQG;8LEE\WWPAQL9'5N2C/Z\RO_MN16TQ;DS1.)^JH@CM&PZJU
M,G$N$J0Z4$2QVF"-%.N+8AS'(FK+P--M6-UK6D;][\^+.3!]F<_^<887DY(5
M,];H%"!;12<3:@T^)PT24T"?Z&]L-%F-P$\GCZ*'HG*,F=1-(-!3 /)P[QMY
MBL4':R&Y1.*V.D%PUH/ F+V)N=;1_:?'=4(D[=?T.D2M/8%UMP8ZIP4+(8#(
MMHZM]QE<5)G\L)0L4Z%HT7R?Y+-K>AV$D,.:7@>HJR<L;FFQI!BD\* ,R.QK
M!* <.+J2P%L1+*)@:KPJPB?>]#H$! .:7H=HI -PW9#5AIE:.;\Q1T-GOF)*
MD3G6G6[16_".[H00LHV<%6%,Z^S$?;1TE5/HY^9MHKI.(7AAI"P6';1#B+P^
M]PI.OK>OTQ!<23)HH:UHOJ_^7FJF/=W::'L'".TA^@Y!].Y;5<Q_+VIFG$SU
MQV7O8[(>C2-AU09(532=^BDR<"2H$KDNZ/G(@-I.67_@V@<'C\"K@5(ZA-IF
M35^8K]\O\5OX47^[-H9=\9:*5(H!2E;= 7(XHB9!QAB<(E= >M9Z*LD0^J:]
M6H\$NV8*FKBW_N]8V[@QO_A.KNQG?+58K=>+\TY(?(_+&RLBF3!80LX@.0E.
M9>3@N;.;):5T.401S*WLX-8^^YT_.&VU:&,8C2?JJ6<SW#Z.E[//L_E&3>_/
M3D\_?5DNSCY_N6QA5<GIY#P4IFHM-P_@ CD8)2D1"BO9W8XLMX]J&/#-:8LH
M1T#1: +O\!;\A:S@[/3FR<IR42%1)$P64%N?A:%KW2=@/&,V9!_9MJZL>I2H
M:2L-CW3?'::*#K'U^J]OF,ZK";]>IEF"C8P;.G9-[; W2-=VIM"'*2UR,0:C
M5".#ZRY5TU;@'0E=!RJC W@]/K]!\!A1\T3VDHFA[#DX;Q X&4WP4O&L6GOM
M;89OC%:L-A*XVJIB0FRMENN3#V'^^3PG(UWFT4N*)UP];XU4Y ^F"%;1C9Y1
M66EWREO13[V!'?JG:]S\],&NNK6FSY#NKXP>$'0!?"5*J)D/,,K6&3*!S,J4
MNN522*V83WZWIYU=,#1E#NH 9=U6]QZ2FUCAO\WFLZ]GE_>H$YHYJ3*((@GK
MFL)()[, 62B*+-%*R7?J'7U$Y3]]=&*E[Z.R10OY3:WX\-<-PD-&-!3G@6?%
M@$K:D@.5.1#-)KE< M]M8-)CBK_YT6E2?\T4O[?\)E;\K<S2!0/(E<TI,#"!
M)0K0 OD[@=QHYAP7QJ>LW$ZM?(\ 8.O'IW$>6@'A<'EV$)'<*)&YX6B_62+Y
M0?/T8W,S!DR)HT2PF7P@N@@U.&TE>*6C1VV9%Z/-[+B?K*X:GZ?W/,=2:$\8
MW<;012BHZ.B5=7^VL,63]V8CA)P+\%*$-3F5T/QY=0>R.BE+:@6%'6K?#M%+
MIU!;71GQY9WO),M).@B8B2?I2%S%:,"$R7AA8C;'Z'Z_35<G8&L%AET*+0_1
M3 =HNU[[>-T$\V&V^G-CF=X(#+5Q4L1:)L@VJ<W*BQ8B\F*8N/V2>C#*'J*G
MJTD)_5RWS538%1Q?+>:;%I0;N59R:7WQNH"*=79[RG11J* AJ1BE5=);TWJ]
MTD/T3'O8M=/ZO7 Z4 4=P.GQ#'OM"Q?,,DCH:LJMKNGA:,!&XZ/).7C6.K!H
M\]AQ!& =JO_!SQU#E-$!NNY;G<)4D#IY0>96H_E@#5 @SJ$PDYW"E$O[WO8#
M=B8=:RI*/S=F"\5U@+^F.P&8UX)EKR%G1_+,0D 42$*5QA45K>6R]4'X_)<H
M#0+4F$N4AFAWZD*]!_?W"!1*.,- &V>)$<?!80A0G"^!.Z?=?Y8H[:OWG9<H
M#5%"!^?D_GMUF#>*RPPY1?)V)'H(FPT[,8J2LD7NFG?@_&>%TCZ8/:JJ.X#T
M2*[5KU?#?ZSGVB6GP6R*)GF=:^U(*):%Q*,PR,=+9H_$4U<#SSIRAGN"4@>F
M=2Z&+5-1KH:B"!LL%UE"S$R!TKI.=!,,,%$ ;(33);:.[QXEJI/,>Q<86HRI
MT X0>G7#;CA[L;Z6_M?%V7Q]DF/B.=;N_LC)/4NV #ED$EA0@O'@F<+6.YL?
M(6E:=#8&P&(\;70'KMN5SR?,>5^R),MS-:*-)4'@1M05,TS7+>?6M.YK>9BB
M:1W?8T+K(%UT@*Q?,*ZO/?(7W\/LM#HO;Q;+.M[^]5]UI4KE-:7E65VM<IXM
M/LD\A$C1.WA6%U&;7.HJ(P5%%<D"RT$T;T?8C])IZ]#'1>(1=-?%MN6'^;QC
M@;(VN<I@P01/9[MR";PCX3**59G4QJO2_D5R"(735JA-B<F#=-7!:7G#@7Y(
M@-X59>M.D&0DW0$:#7D7!2$IXUVT.;'8>GW,;I0]R[E%;0*2$53; 6"OWXUO
M\'=2%TUGQQCDH#==";[N1U-@DC;6$Q-IMZZ.O6HV;A R;00RAL;O+=O85_R=
M7,"WV?AQYR1WAC%6N *!.9%7X50=7.<AD\<KC6 87.OVYQW(FO; FP1AAZGF
MR0QE_WF>?KB.\!?S<.?6:#AY?:_OCC->_7 1'&.&NB"(!1D1I$J<+F4>(6#1
M]9E21U<=O#A:572G,]3/WP>B*P:%+% L15]*B0A>)?I+"I*<[&JL/;[F]#X=
M?0C>QGAV&:[<#OS$75I"%+?1.$3@KM8:>NXI+,P.F"W(@E>!F]8YGU;M7EV_
ML>P!F#UZNX9HKR= /M V@IGDDI@F'JJEHR1+C]X#>A^\#-99V3K1\RQZNP9!
M88_>KB%ZZ11JJYM6>E&-PIT4J102EJ]EUKZVQ 7-0-OLDLSU7CG&'NTMI'4"
MN5:0V*7#ZT#]] 2[AY<0\,R$R<%"T5%5=T:"1R<@V62LX(6I.-I:G<.WCW2=
M2VQZ\;;284_(W&EM07%&)REXO4@TJ)CKV@(;05J!Q)LU9;R]3\]FU<@@A!RT
M:F2(NGK"XHW%%OQJ4#)*&ZP'ENH>K&@S>.$2B. $FJ)B]*V?61X@IQ.<M0?!
M#JM&]M%(I^ 2%ZQDYDURR"#:0*RD4%\F>8#,E2V<R<CD:-[>77(ZN6PG =<^
M&ND47%<K>7)PG.4(9B,B$139B;$@0R%.D&<91TO][;DD:?Q9C9. :Q^-] 2N
M ]S?ZW=SGXUBB I"3KEV$9.-E5A !1&B-=E$,5IFKP4#G0"XCU#DZ(B8N#7Q
M[==OQ#I]<A'FVYY93UR1TG$AB0VD>Z/VKOO,!?DH7'HF4O:W'Z"V=B<^]IU.
M_+_CJW\QDBXZ.&;?K;_@\MZ"N1,I"N>V!."N-L5Q3Z;* PE,96FRB]+GU@'(
MPQ1UXB9.AL$1]-8!"N]G!*VQJ%D&(16KI;P1HA0,R!NV3A==V\R.U?3T]"_A
M-MAKHZW]8;=8A],CUN&\"LOECRK036--F.?7J_7L:UACOBY'V=Y8W*XFYV :
MQJG/:2N:8]3J.!L=*BP0T2904E!TE<D5Q:"YBLEGF5LWJ1VE5N?ECY?AE,2,
M'[\@KO^V7)Q]([V<.]W9)R&B<*"*I\C/10^^:+Z9S96M9\GDT59E/T!7)^[D
MH2AYX,6DC4HZN)^WO[EOKI3S6:K"&1>4@*(+R<O3#1!4MB <CUQY8PV.EJ?>
M3E(GX&J&@9WJ8?932$_XNC;&ZJ:<7RN7 SIBMKD$Z0&3)J$Q)\EYD0@J&T,\
M!23:QS^Z[]#5#=(.!\)](&NEE0Z0]GZQW*CFNI1X"Y>7<P%5TM'%#$D@L::C
MA>"Y!,Z]\:4NN&@^4&\ >9W@KADV%L=15 <8O/2:/^ W8A+SN=#N9\]PC"P+
M R0TLN&8"CA,"JR(3&DNE<'6C2<#2>PD*S,6%L=46 =XO S:WI4=;$UP+9/+
M'E@H-;.4$L3$ZDRV%+VCV\3$U@'4$/HZR=&,A<315-5%%]Z.I43>.5/JOC)R
M8FJ>W0=RG&N>/<;@4\@^XFC]-D^A8/ (04<K]71P^@U[G<=@A=,>R9*,K)D!
M!;&8 DEQYHI*A9NCE$@_Z5K 00@YJ!9PB+IZPN*6RC-'9DOGN -GA:B718$@
MI8&$D1>IE,1\C'*M)U@+. @$ VH!AVBD4W!=5IYI"I22)<&0P\#K?AH%3H<
M@7MN'(LZZM8C9Y])+6!K<.VCD4[!=5EYYEFQW*D(9"Z9[$1EB-)EP%PGU&F*
MS\4Q3JXG6 O8&ES[:*0G<&WS:Z^>%S^2%C?R?!6^577>>.W.#JVO@VK1I[KF
M."+Y&L:!#.1O%%8RA4JC10S[T=P)3,>/)8Z@TAX@O.41_.KWS@LJMDGB^DD2
MG>)(3$&I4SP5MQI<T0%T,5J&Z'7@.ZTF'P+A VGNQ$<\"L(>7_4RGKH[@/>K
ML/KR8I[KWU[_XVSV/9S^=*_=*!'2SEJAI:.+S"+Y-?420G)NF#$LAIA(Z.V3
MV3L2U]TVEQ$Q<R?%/88")RZ<?H.DL7#Z7XNO6.MU7X;YG\3CQ>]^(.TNOV/]
MS8_K1?IS*Z]<*IN- F1UU*V6=,/))($^XT)24;%PJ_IP:V'UH71,' ]-@<NC
MJZ^#0W134_X!$Y+YU8FB6SB*UBI'P@3+L0XZHSO),<7 !><"V9_#TMH+>)RJ
MB5W5*8_-QBKK (17HMMQM)]"70?9TJGG R,O26?PG,5Z,2#&'$JQK0NT!Y+8
M239I4C=T!&5V@-5?\-MB-=ONIEC.M!)"@<VY+O74$GS6##"*(J(M5KO6BP4?
M(*<3SW(,&-P9U]E&)QW Z]?%_/,G7'ZM$[^OV*E9?SKO#=DCJWVTQ65PCJX+
MEE"J.N%"Y-8SN;82THE3> 1(':Z')S/S]?>P7&YFW3;L';GS,\?I!7F8]&/T
M=A1FE9=U[:EA%E2DDR628P?%9*6<L\ZH)]G;,<;J-LQ2<(8(*!193R8Q^4BA
MD469C#$9@QBM8G\$?CI)-1Z*RB,MR1L.@0YNX]M#O^M&STTUB>/%DV?A0;M<
MQ^%J!2X6"QA<9H([X53K]J;[:.D$AI.CY?9ZU!:JZQ2"%R^U1L5,$5D!;M'7
M=6L!0E$"F!+9:^&R:KX<X'YJIH5A&VWO *$]1-\AB%[_]0W3&G/U<"^>YP-C
M0C.*DSCG%/(C(XXRR\ X*\KY31_UR&"Z2U5_H-I'_X_ ZD!E= "OD2Z!ZWQ4
M7=DAL) 5!T'^C"5_QLG"@">;6=$4S[/F#]$C\]1)AK"W:[LK*'5@6H_LQ73<
MDBMOR+/G@M$YA F"E1Z<U2;$D*,PK4.J!CM*GYHWNB=ZAJTX':+*)Y-;>O4E
MS#_C:C:_41E8%VABGLU?A^6\/HI=_=&[S3-$RPDF^W]]I-DEC<1QC,P6(5E'
M9!%,\G6(DT(@3[H.H47+1"XRJM;KCX^2V3H7ZX4FWEYKXF_DU_VZ6*WXB4A.
MYF03,&0)E,L&HM 6<@C*^\BXSZU[L'>GKI,#]E#$W'OOMU7/DSDH?YD5H@[G
M"5<O<?U/Q/F+SY^7^#FLKQ_XPSQ?_>8'K'$(G1>O%O.-],_"Z7NZP]+L6SB]
M>/9]=[9>U0%)]=%WM#-V&L+'.9X[4,(Q3G9$481'#GE32*U+)#LM 9BV"C'8
M4/(3/MG_]UF8KV?K\V>AZZ^=AR9"%D0=ZP!U@:!(#G1V()T=T6J?8D[:-Z\<
MV9V\CL_V(9AYY&QOIJ .PK,MA6";M*-A*!R+"HA<$A>Z #%NWI]S2$%CRK:Y
MB6TGI1-,M5;]X[7O@_70 9P^+<-\15^ND>M5N/ANZS3#FHQ<;?^CBQPEB:PH
ME@H%E$CR]-4=8ZDF*@/%K9F+TGQ 6DOZ.RE?.@10BTZT.W%)_*9@];_P-+]9
M+#^&TZL)2MGGY),&7W( Q4(=#.L]*",2:B$\L^P1;_3^GSXM>J;3]**IV#LX
M$M_.Z6?-P^DK^O1L75-GJ]65-3*+)<OLP7E#HDDB0S1,@\X\L^(E5Z5UC^5#
M]'22TQ_YKFVFD8[1=6%Z2OH@O4<0)J3:<LH@&!')8*SS2MJ4=6LW[F&*ICW6
MVFE^1TCMH8:)[[K?%_.0TO(LG&Z.W\O>=RVRYX51X$3'K2JE@/?9 CD3*H7J
M3P2[PU6W]8?W"8E]-+=H*<8.#I?WN"R+Y=?KGHLZS>^R;>=RY(:(B6EO(#E#
M+ 4RF"AR 6M0*IF=T:;USJH=R)KV(AL!4V.II*\1=@]>_->/F,8CDT:6FLO1
MY $6#]X)!<(1@T(S5':TV2B[D=C)((JQDQ8CZFWJ+NA;SSE;\N,W$N/GK_4G
M1A25O2X@9'W8*3)!#,:#42SZ6!)R%7>X)??Y]E/(DNT)A,41M=(7ZJX"X!>K
M"U[(0S!9$R_<* %*&N*%W 9P3$?GZRE_^TU[%X3=^<Y3B .;H^DP:?=XD=[A
MZ.KA[_JA\$2CTG4H%F1EZD"BS.@"D.2<.!\PI")C\]DB>Y#Y%"[4PQ!Y+!TV
M6R%U!)B>SX!^.[^.IFK/]]GUOY!O""%GRXMP$G2L:S)+W:.5.0.D>#[65&,N
MHVWL:<G(3E!7_U90'PT'O9;7O/[Z[73Q _$ESK',UJMW\73V>?-3#UB0ML,/
M;5*6,I3X1B4CKQ9?O^%\=6XI\_P!U[/S\M0MG=7%)EV8,R"EMJ H ()H1 9A
MF5(E*EZ:#SH80-[!-=?I"^:S4WQ7?B$%S#%?:.+]*1G8G0@P>9-29AZL8A*4
M+PH"UPD"XR9%)91N7BTXB,!I0YNQ4'6GN'HTG7602+R66F7GJK?-.J-SRA29
MA5HQGCF'D$(A\7'.F;)6Q-:O$]LIF19B(ZI^T5P/7:+ILJE-N&($SY!]HIM?
M(ODB"2T$1'2<6Q::CU6ZCY9I$=5"SX]"9P^A=P">]W28DQ;.;>LG<[O<0R2,
M,LER(->U/@.R !ZS 8JGC#<J6HZA^8/&PS3U!J9]-'_G':.A&GJ U6)%X5#U
M>ZN@KD5VZ0-?<*6P*%ZE57S-MGL;P0EC0 633"J6;+ YN':B;-J,WS@0:Z^2
M#H!VUT6X]A"NHW+%5/39(!0>:GLWB<P+DX$55S!%E)&UKBO:B;!I878\1ZN]
MEKJ$WGF7T]OYQ6]=!_H?%J>G;Q;+?X9E/HE69YE\ HDYUN=N"]&*.GG VYJ=
M< Y;5PCL1^FTU^P(D'D4E,WUUR5*[W!WPIG)@J&HP^]4+1SEX+CD= 5HR1$%
M5ZSUT+,=R.H-?^W1\2@@#U/5WNC[ALO9(G]<A^5Z) QN2H)PM7Y%3LD)\^@=
MRPBA1'(YBD9PH3"P-CL>I'?9MVYL>)BB::_E+I"WMX*Z//)>U**(Y2R<7G8=
MGQBD*)\N"$ 3+2CA-,3D#'CO4!6,.OGVHWT?)6O:9]TN@'>8JKI$WQWI789<
M[\,LGPA6C+,A@LR^;@!4=;I.%)"C4X:7;&09'XD/DCCM"VP7J&RGPN$(]><(
MG9^_['X:$:@?<;T^/5\G=]?ST$'$'$B"R%D %0-=!SDDH-#/>>F+T7K\6_HA
M"G>"J7[6,&VFP)Y1>I>S5.L9/1;P(3A0EER3&',"$JDF%FLJ?_STSGYX-,\:
MCX>IZL#XY?4\CYSGN2[8*1O795.E<U.:(B6IHZB9B;K=ER4&7G/RGAVB4<E8
MD<</K'>EMK>HYWCYGJ9Z[-(%W<KA24Y"YJ0X,,EKKK\4B+P@9/)9F%9.21S_
MW-Q*6J^YG[9(>12@AZNMXQS0)M([_8#KL^7\W?P&?T;[DI",W,AZ!QD2I(NL
M@/2)^$-FDFY=N;H[=;V=DA,ALXGRNCPJ-UTTLWBV*=!\^>.B>G-Y@NC%IH06
MI32@>,X0F&:0O1=*H)7M:R1W)J[7O-&10=E"=5UB\EIX/^4=LG9".$[>N<XD
M/6$Y\44>M2 1>E-4%*IUJ>JNM/6:,SHR(ALHKDM WD@TW#C[5=)%&1Z@.%V;
M^J,DMI(#)D2P@O/B\O@7]U;2>LT-'1F.AZNMY\30=F]92%4"9@>.:UXKYRQ$
M;RSYS4R$H .F(]S;^P<Y$R2(N@ARAJBMVT31F[/:R'/>G'7.W4EV)E'<IB#8
M%"ZF73@M %-2T0CG<O,%<[O0U9L'.7[RYT#=='DMGS<&UF72B\_SV;\POYV_
M6W_!9>W:6>*76F3\O8ZH7WR]T:5CA':&(C0F##&=)0.7%#'MHM8NZ1@-C@[(
M/0COS<,<'[%C:[<#2-_'3RT$(+Y/PVHU*[-TKN;\/V>K=75FWI!Z7KQ[]?:B
MBO[%/&]^3JUX7MZN<]X4M])%]CNN+RL,7F)9+/%3^.NDE*+I4$B@LRIUS[H'
MAU8 #SEHCT7;YGMYI^6XMSSKZ!!?/%F\]>-Y/R0T4N!R/?M7&X&])^]L>3YO
M%6LAVOD L6OQD:=9F.<6K*J/B5[4O$[2(".J0 ((3+9N<.N%]][2T#T9;K<8
M[/R"W5DR))8_YN%<RI@OC[47R]EJ-O_\RUE=O?5^$UE=B\EFYUSPB<ZW)$'5
MZM$H2>L2JY 0@VJ>&IJ(U=XBJ9XLLQ>$=6Z(#3V/:_D84JKBLH TB7R-Z&O_
M%E-U"GFR6"*%(JWK]X[-8V\A84^F-SFF.ABT=23YD&2NU,E#<BAJOT[2!I14
MNCX]6D@Y8!'*!RW\T[2Z&USV]KK2.A73.6XZN,VV%8BDLZ]GIS7RO$]\.WC7
MNC"ZPQVIR67RKK.IC6]!0M;*9J]23F[\9MDFK$R;:>D=P3O4&QT;3D_8JJJ_
MO*JJQ1MW=336<)$%%&-KY;70$(U68'P,B5N&++2>+M62_FD3'O\F]G,P</I)
M4NXE@FNF@RI%:A\@"52@=,X0G2B0A>.L))39CU]:-83B:=,._P[VL1\XFH4]
M(X]4_3TLE^=C;9L-5+WS(T<9I_HPX1,,4_7>B9AX!"UR79O-$CCM!)CBC/$B
MJRA:^ZS=#E,-A0OO+ )7R$"94.\.(4'S6,CETBR:UM/4G^DPU2&H.FR8ZA"=
M=> DWS/<T17#N&0&F+<2%'(/,:,#:540&*.THG6=U=,?ICI(];L-4QVBAR[1
M=#EZSSB?M%3@4 500B8@#\.!B"I)B<E)\6\]3'60GG<>ICI Z!V Y]$IGHRG
M8 4B9$9'-X52")'G DQ+S20+R;C6]45/=9CJ$,T/':8Z1 T=P.J1H&@KB]K;
MHCW7-<G%Z] <"<Y[ 99QY[A52C>O>M^#S%['K!X OK&5U0$>=YPDZ[PF+R(H
M$)@H0(^*@8]U@K',2(PF;FSKPN*&PWU'2Y6,<^2U5\F$0%LMUR<?:B_*QK/@
M3,:<G86D"IW66@EP@>1"?H8SR14ZQ'>:4D _]0:&Z)^N\?/3!Y_24-Y]'/;]
MI=L#)"Z0'*12(ND(QDI_GOUSR!S079Y=9@%+VLF3V@444SI*!RCKMKKWD-S$
M"O]M-I]]/?MZ07C)FA=4!4PNEK N"QU>Q(<SZ(SGQ+K9R:5Y1.4_?71BI>^C
MLD4+^4VM^/#7#<*50V<92R!\IM R.DX78\P0E+(F8):.[50[^ICB;WYTFDN@
MF>+WEE\'[N66,6(_KAI#7X4U?EXL9[C:'(@)G;:V!+"\=NQY[R J$E4.+ DL
MUC+=.J >0-ZTCN;Q4G]C::P#,&YAX\)=%\QS)4H!9@/YTJ5:E6=U(0?75GNO
M!6^=8+Z7F-[:N!JI_W:0TT07'8#JKL!>_^-LMO[Q$=/9<K8FOBY.[L0I(G1T
MZOO$1-V@)R $"@Y)2"4Y[KALOHQX5]JFA5PC*#QZCC70R\0[U+<TOL_^JI7H
MM:3A#F.9G$&K&(?DD*2'L8[G3!F<\UD09SG<GBBT=:'ZH(].&V^W1=*X$I_8
M*Z^S$C99I8\)YV$Y6VQ.=.E((('7B*(65M<)6UY)#B)C]#ZX:-Q.=86/>.=;
M/SYMP\=Q4C6'2WUJV%S0_<=\]0W3K,PP7UJ8X=ES0\<HK[O&K%+@M;&08S:^
M^&"+3"V@<Q\!TT7W#92Z:"WA3F#R9K'$%%:7;R-TTB+F( %-IO,Q:3(;:Q78
M6)(E3U)EVR+1M_WK$P*DC4JW@.0 ^7;I.F]K]C$RH(A6 SEJLDXTLR0MZX$S
MEK@H6DD<WV_>=]_?:(U24R8$#M52E] CO_'LZ[?-M-$_5IA?A=-42XAG\\]W
M!M]7_FLSZ <Z]T]R9CF;:" (<O=43!0^*&8 HY-9.:]8/$)7TW[$]Y9J.!A8
MCY>&'T'+3PS>M=5JTWX_2Q?_?NVV>OT7755K(GPQ__P)EU\OIT-?3/1+AHEL
M*9ZR0=%-HWF"$+D QCTO4>ALXQ%6;C7EJ;<I+%,:P^B8>!8V4D^&=^5FX??;
M>5IB6.%)<8DG%*4.L(B@E&+U5QQ0.J9(&EKR(XR];\9/;W-0^K.-1EAX%G9Q
M/GOVES/\M/AX%E?XCS-2\F8)Y>SK;R22L_-ZIK_C[/,7.DY>?,=E^(QW3I>-
M1+=L)6 V.2&L@1CJ+O-H,T4YWD,2B4)MY='S\3>=]"63WH:E]&>?'6&R'QN_
MN6-A,S2Z'F17 VY.&%-R4ZR "A,=7"778;H9ZGWNO9+%Y9&ZS!\F["F,*&F
M]H;:Z0!R$T_G9%RJDDR$+!*"$JJ.]O,&9$F8@V.6F9W2T_W-[CED&NP1!]*W
M-I(GA*?.K>^H(S9S*46YY(&YXD$Y6_=32 &9#C!D"JV+K9VW7GC?R2+M\[3(
M;C'6@6W>U<QV%_8$DS)9%SIN4%6^F ,O(Z,CB/Y/Y2)R;GV'[4K;3MAV3Q?;
MH^BH2^QME@$N9^'T\LX[T4XQS:($ZSSQ56=L16X#L&3HU\&;HH^P5.(V63LA
MSC\GQ!VFF2[!=AE?W[P>?L>_UF](F.'T_V!8G@B7@HHA@->VU!FJ IQ%!5%Z
M-%9)H8ZP#_QQ.G=[2F//"8^-E=<U0-^<K4F2EW\0-IV9J\KLIW_BZ7?\C4+U
M+R1?,CI=8@8;,K$KT$(L6@)FI55V6@<U_@4]B.3=8/NLGH#'4VDS!(\\'NRR
M=F11R(FYX;RLVHT+>_03HXP/&\;8!./$$K<Q)5] R-JV%[*I!5JU@<)H*;2.
M(K;.J'8[3DS;Z'Q,',A58:!8%G7&OX;B.).>K,W*UCTWSW2<V!!4'39.;(C.
M.KC/[QEOE$*,*A4/,=9F@%Q(7E$&R+Y@-BQ9V_R:?OKCQ :I?K=Q8D/TT"6:
M+JIXE66Y))XA".] <?)4(I,1F/"!H>6:V?''T_70/-A"S[N.$QLB] [ \^@<
MJRB33$XDX,'7]7$N04C9 AI7E)68V[L&3W2<V"#-#QTG-D0-'<!JMP J9X'1
M%CJL:P>*<L:!4T)#4,2M\<(ZTWI=4+L2^DZF\QQR_[774I?0VYX2OW)3@])<
M9O)+I2<F58H<HBH.(@^.BY2-9../87^8QJ=0$#\()GL^8^RELRXQN2GQPM7Y
MXTQ2UA<FZ%QW+H.2-9GCH@>;C2I%&S+Q\?>UWZ2H-[RU1,.CT-M;-5T"[3*M
MN*4X,'G4Z%2$3-9*/H4JX&2)H#$(B\P@^15'2POO63QZQ,:'HX*PD=JZWI5R
MXWWF7;FQ%N8D6A/1A R"?%M0F@7PR2#0G6*2M(S;=(3>M?O(ZZWIX*BX;*.T
MGF%Y3P&%UTZ;7#<O^T@7 29;UWH%"$6X+!BJP,=?;75 D<L1J^R/"L@&ZGHJ
MZW-N-0%<MQJT>Q][]!.CO(\-8VR"][$Z^93KE,$$INC*Y75AKBG >0R9,<-X
M>,+K=NX:U;6W<3&QZ,=YLL$SS"8R"<S5?GWEZJMS\$!NL?%6F5S$^$4O]Q#W
M=-[%AJ#I\0.PA:XZB%SNR=%'K@):C1!UK5N4WH&/=5Z6X*56S!JFPK_!F]A(
M:M_M/6R(#KI$TD6"7DOELQ<(7GI?9]0FB")[X(ISDPQ+JOG$EB?U'C9(S[N^
MAPT1>@?@>?0A)N=LO-("HE<2E*V_DMI -H)S7WAVJC6(GNA[V"#-#WT/&Z*&
M'F"UV^X,(Z.43";0=6BM(O^@"J]V42)3GG%GFW=2-%QG<OPE.@=!K+U*.@#:
M+H["]9N-]2SSS.F(3XJ#"C&"L['ZI#:QXFSP?OS"X <(["T%/(;3-9[&NH3C
MT $)/X^[BLA#3 6RY\1]W5+BO&6 @CD1!-FE[&^\4\^3S9I!K?E@C+WUWMTL
M[%=GRZJ<WY 8#*>?Z-=YPY1P13'DL6Y(J6/JLX88Z2^2FX".H<NW]TKL. ?[
MG@_V?Y@>AKWQI/\L#M)'IJ2%7 K+UD((=9*@9>1*>2W)JU8\N!1"">.[ A-,
MSCOB0UV_AVU#;'1I*W^<KF=?2>;_A>%T_>45Z:]R?748\!.I8BY)&? \"5!)
MT 4C& <N @L&A6^_:&4XE;V]\QT/STWUUR5":UOJ/=Q]P)"^X.I2!M=7F)'"
MEU@L%"EK0$I,Q_KLG@TJ[ZVA '7\PL4]".]M3M;Q<#RVEI]*I^=&VB].-X92
MTWRX3/4SG['=2_:CGQCE)7L88Q.\9"MG)(_:@2NF@-*!CLQ$_^A9%$XF8Z.T
MC<^,+E^R.=<.-5ESR8I<&A\R!,,*%*WKAHSL?',Y/,.7["%HVO\E>XBN.KC<
M[WE=4UD)KDL$;NJT@"3H)A&(%'6:R&74DIG6HY>?]DOV(+7O]I(]1 ==(NGB
MW2-Z9;A2#G*4Y.[*H,$+X2&K+(M-KA3C1\=2QR_9@_2\ZTOV$*%W )Y'GU"]
M1!Z\8Y!Y?3S#Y" 40^QE8\GEQ9Q9\^6B3_,E>Y#FA[YD#U%#![ :LH@UBHA%
MNE#= U:;9S2$.FO>EN"3<R6H,/ZV@<,V)W?PN'C(/3B6MCH XA8V+LPU.(O2
M.02M-%F4XAZBMP6"LCKQ$%AJ/ACP7F)Z<[8:J7_GK<E#=-$!J';>SLM==HEY
M!$P8R2B9J4:I@/$4N)$.F3G"^+\GM35Y$!3VW9H\1"]/ F]_K'X-R\_X*GR[
MX)#1-6"TMF!8K1Y/A8-'H6LWH.""1_)'QF^.>XS*WHZ]%F@9#,F#5/=$P/G;
M_VWORYK<N)4UW^>_8 ;[\C(1DBR=HQNVI9!DG[A/'5@ESF&S=$BV[/[WDV"S
M-S:7JB*J@?;U2UN;48G\/B0R$XG$+#R87PB6YH>E.0<GA8?@<R\4B0(&_48%
M/K2=_A3MN(RM.7V5B#D:MA="R\^7=CZ_GR%XR3 339'2N3<%UA# !0D+CQ(M
MM',X^6>XZ7Y"RM;*%2I1\PSH7@0Y?^T6O]WJ,G'B/,P)I9@TR@TED-:4H^0@
M^#<\,(E+WVX:)&!K%0=5*#D6L.8*$=_-_HSAYNV+5PNP_ZMO>:H_[#QW&+Z]
M5T$L\318A&V@,$'+D?62("\Y%Y(9'=).34'/HL0>'Z^[-Y<-7)X'@8H4R\^]
M?\IOUVV2!T131FT0*"F!06@)0DL#ZR*(:)UAS/9[D@U&?6#$X'?W!NS1!UO;
M*TOF[L9KM@4ZW)KD%"(L&X4XR2ESK1DRRA,4@N D18AT."Y%B)HAYQE@[<(]
M0G.5 ?]EMIA=7EUN!8=(-GF>')(:VVPF*1@NBD%P[:(TU/M^W1Q/0/[HHY5!
M'P-95T)_M8&W?SX0W&H.\^<>&9E??%0.(QN911HSY1(WS/%>MW). ?_PHW5\
MA6+ C]9?DR'.T0)*IZ*.WH"++, WISX@8[U%CL;(E74V/,.KR.=>,:Q:5#W%
M*6 IQ!JGXY><?]U;CWDAF,?)X B+C@;$)1A:%XA"-!C"/5/:%*]^&"=I:ZGT
M8M090-)".+Z4\NAW=K;\W<ZO8I?>+W[$FT<I"[Z"<WS\20JC!TRI0E5T@I@Z
M&F90MK&(QY"0UHD@YR/QV$MA1>E-JLFJ:*R4$2)HI&$_01QC@32E$7G"L"/8
M>1^F/UM\\5710]@TOBIZ"%8-;-,'*C698YP2;%#0&'8,KC1XT P": ]&W0L5
M>?'7EEYV5?0@V/M510_!H$DF;?.T@7B.O>$(5, @)/.@&I4X"BHQF;0-W)6^
M#_>BJJ('X=RW*GJ(TAL@S\ER7&HXMOER,R:,P_J2"N)PL. 1H/<*(G1<_"'X
M%UH5/0CYH5710V!H@%9#"BVYL($%G\\H\QEB#+FCE")(&L:%UD; E/^NBIYR
M'YP*K0:(>/@4DV)&A30)J60L*,PPI)F *;GD../<<5?ZQN-?H"IZ$/R]JZ*'
M8-%<&<%-?<1M:>,FJ+^K;Y31)1Z0"4(BGM\!,%0ZV!$H)UJJX-1.;\R>Q0,'
M/]EJK?,@@(^6#)31=N,D^L>R^V/];3LOC954# <DG :_@F&+M&#Y-D+NXD&E
MTKO/THQBT<-OMEIY,A6-1NN[<1Z]Z9:WJX.";=82W%&<0D0<)@BJ@Q_.L,1"
M=$YA4X!%]U^L6Y+R_!P:J>M&&713$/U@3I[8"#85HR05S,DYAYR$$,<2$X4D
MC*8@SN#/[O?J'D,^'WO.TG.CW+FM6'XP*ZPM9@+"$0+S0]QJF1M5.Y28M])!
MX*STN#+*0U^LVU/I^?ASIJX;95 N,?[\:%.646#FP*_SA%#$ W/(BJB19"H1
MHX6C7IU!H"<?[,4?^?+Y<YZF6Z;/P]# @U8DQQ0QQO(Y/&S-#C.-8"5X"!H4
MM;OO] QGS] H3/U%R#-6S\UQYT$Q^N;)T\L89J#!;%D_SJ]NR]%M<);(0!#A
M&B-.0GZL*!@DC,7"A1 )&1?3]_I\+V;IE\RL\B@TD(5\-*F[:H_M7'A4+B42
MD*<>YJ*C0@8BS?RR/7&,!U!LZ2/?8_+422$]&QFZB9"I;,[>=5?+];=W5XNP
M+0Y;/9T.S8UYM-/(.N-NKEMK(CFHS3@!OZ/<]DD!]/A4G?S1<W-H"KTW8*Q^
MZ9;KK_9K?&W]OV.XO_?W?K6Z LU>@[_8_8C+19[BY^_=8@6:#&^S:K\O9ZN[
M2X@B)!^\R!6/.F\$$;8$GV^)62-(#)P;7/K@N(SD=1)7M0Q@!;0;X/CI6ZYO
MNLO+;O%YW?E_;Z?(F FP7@7R6BI8QB$O:&P1%8KI1+AC=/ISZI-B]F*O>1D>
MXG.AU5PH\J:;SZ-?SW[$+\NKU7IWMOM.OXB,5M#\)H')KW&YB)'5C",&&TP^
M^S>2D%%QR7!9^GF0^&5PL I 35K(?#W[X"UMCG-7406[CT@T]X6'Y8:]0B$$
M99EF7I'I.S<<D[ ?*5_(T?@S@#2:@N LN*Y4W'Q[2^+U]=TO_SF+2Q#KV_7/
M\4><;XI2<! D6!E@2C'7/K&4KPY2) BU6B1C,"T>0?>2[*5<RS^G>&P"C!HP
M?W=3^27:?)EA$\\]G=_MNYLF7VZE&I%(?>Y1P9 QBB(*/[W3A@I;^AV^00+6
M+0N:@B&'2%@<KI:X^'[Q_6J]VFB,W'5+5CX("1-(5B"N\N5"P0EBVC,AF'0<
ME^[D=42<1GA6G@2'Z'8F(HV2B]X>YP2=U":*%_DHT :'-"<8P72BLB;E9MS/
M0"[:0E%:77*-0:11<K%;9S31H*G12"KP0SDS!.*AF.]&8X6=LY:IYR 7:Z%:
MK2ZYQB#20FNEC==@M'>2)(:DEN U,/AA'?R64YRD=\D(ROO0J&BGK0;Z8XQQ
MZ<=KM@4ZW/:+$\XJR2V2.#= "(PC:R+HP4E+@-U*]>LA^;(Z;0T"ZT"GK2&:
MJ]UPZ5&G*&4I;((REVA;@KCD'#EB+!()1Z8LC\+T>O[GY77:&@39P4Y;0_17
M&_A'G:*4]4:"NXU84N!K$PTAH_<Z]R UD3(N!"D"?'N=MD8#/UI_#;B3PYKO
M,-CJ7(@4&:)RIV2)D38AYK83D@"UE0R]^N]5[;15]=G7*6Z6ED*L23K>>=<?
MTOT\+P112C$=D4SP8Y-V-X)C1!+!B1HN=9C^;<V]HK5V[[08.4[2\'RDFCLT
MOI_'YV^@_]5%OO$HM2<HVJ# $Q02:1\%4I1+96R,CHTK5=W]4OMWY,^CT03Z
M;M)\W<_HOHCM7[/UM]EB]_CR^D''.6^3P0[V!XE=OC"@';@B"J.0.&?<2(KC
M]*_:C1*]_>.YJ<S?]$B_E-Z";ZZ6&:S[7HH%^PH>'GN2GH(]IU*AGZ -"1C#
M#'*!.B"OQ<A:FE!B(;? )%*:TJ=43?83)$(1XY5#GGO0@Q,>&<9@KTA"6:N%
ME:I7%_C_V?T$A[#IC%?6!V#5Y&Y^N(F+)Y* T6*(D-RK&^?>V@',.H[1LD2D
ML:+TT4OICDL-=!X<1) S.BX-0:L!(AZN=$L&@BEM&,+>Y<QTCJYTX,A9H3%)
MF@K[]SNTY\'?N^/2$"P:(%7OIZ^8=M@GSY%D N8%JQ Y(D0N^S9.TOSN2*_C
MP*)%^BT4QQ2BPMAW:(?@TB3??HINO9W5]7W#*<)HSHD:(Q&WU"!0F4,L84)"
M?M@T3>_-/96KU>9-97EV)AY-<NQH\39)D2EI @I>T=P8AH/Z\F.YE-/<%L;F
MD&YJMIU=85^AX5-9WA7#J $&'NB+;#6-RA*'M&+95B>*7 (7ETDC+6;<1%/Z
MYN89/<@;Z+UZ3B10 (,FF71[NT4)#8M/HP3;/.)"A7R%7J$D)>94@6&6?G(N
MM>#RE\"Y;P_R(4IO@#PGFU]SL-S4<(H49B$WG15(<PR^I,&!4A&\]*6?X7BA
M/<@'(3^T!_D0&!J@U;#S%1H4$5ESGN+<8-T0I),+2,)<-6%:)UOZL83RU2(-
M7"4KFQ4KA5B3=/Q7G'W]MH[AU8^XM%_C9IX/#F\N C:Y.PA%L'ASL3_&,,&8
MG_+B$$!K;W$J?:MLL)"MY=&*$>8D-4NB]U(.2]_^^3UZF/.[J_75,GZTUX4?
M8CL^_B2'I@.F5.'@E.M<P!T@8C5,(.YYRM?*//(Q,4H<(\&5#OJ;/#@5UGBG
M%$8*W S$#0:-4$*0XLY2&PBHHG08\1<\.!W"IO$'IT.P:F!?/A"8"4:#]&"^
MG>;Y]6D:D8O@S$C%C%)"!K-;//<__"&V0;#W2X(,P:!))FVC,HD]H<1@Q#<%
M"Y1+< 4(15$*+#45G!<O^WA129!!./=-@@Q1>@/D.1E]1Z*MY=:AF Q$WUY)
MM%EN";Q,Z6PTN/@#S2\T"3((^:%)D"$PM$"K;@6Q3W9YLZ+N57;K_MZV[Y,^
MNGR)R/D$*B.)(.-I0%9[!N&*E:'?+=HAY.HE6=TC@&DH5AZ2!H@V+!3/;76-
M]08Q'&2^4Z21"](AA0-AAKM(4Z^+>U6S;0V</)WC=$V'6)-T?!SHW_[%-M[_
M%6+[+W_$^8_X2[=8?UM=*$PM]L$B;[-+0@5!-FJ)B)6<$P]_2:=/!P\2N?TX
M82293I<<38;LRR/R?T>[_/)'=X$3[!^@2)2X@EDZ%9"C$.H'*RW!^<*WGCYW
MW$?2]BUM%=J.P?&%LA7H%R^8PA#DF82,D;EVBUED53#($P?K4MA(9 M\S;*V
M?Q)7C[&#L7R9G,U=_R^\MH$R%E"@QH"#3A6R-M_(@Q! $>64=L_0#[R/J.WW
M+*K&V,%(OCS"OIO]B.]F*V_G><*K+]_B,MJTSKD,'CC1W* 0?6X:E(N/8@Q(
M::J)3S%Z5MG)/2A[^\TSJE"Z#-8OC^.;I0QSO] \$!ZM0TE$ OZ2S%F3W,N!
M,YBS($'3Z:ND>XE:]X7!9AD\"LGF>G$<F^*%QD1HSSW"FR:>/ JD):5()6><
M\8IK._(MRR-?K?LFX?1TFQB'\0SKUG8^785.?OADMFG?8!?A3;=8SQ9?X\+/
MXNI7NUS:_$+%^/*< 8,7J<T9.YERA3G;SZ]>[7Q_3S%%,B0I[SURV&$@:93(
M*$J0]0Z,$\GD*=U>;)" Y^[ '];@/#SXXDW"V6#E-1,4,0,+DN< SSE%4*2@
M"YPL3<5GO5>0ZD4W$S%E=_<\'X4&G+G\6@X8^:6]:?1O@Q':YN/^P!/8W6"1
MU09^F&2"M5[95+ZH[:$$=<E3 -*NF'Z;8L?=X:HB/DJ&+)8<<4\QTM1M<I[*
MN11-^=*K71EJFY?Q>!ZDQ@CE-D".C8OX<1[#UQA>K>YGLSTD3XPG&C%&6$F-
M>/2@)&=R?RP0QC/%#2]=%WI<HE:(,P;M;C+5-T"D7:M['VU(K+FBUB 1<;:\
M*B%-B$24.R)%,-Z+TD</!X6I>QI6?F<JH_7JX?U=JX'<E.4'!"!9,>^ZY6<[
MCV__]/.K /[?YH'6N%J#1_CD><J;SFP7UAC+(^C.4 T19R0".3#B*%EN.8:X
MT^TF7 ]$_H4$:LL1&DF.KC92#5BW=[.%A?!C\?53]''V(T_Z;K:OO%]>Y5>$
M;R;].J8.@I/YO/L#_I>LFS<@[VS]<[=:79"@P:SG+I,J@2D/'*9M34#>1<N#
MP3S:TC=M"XG>EN4\C\HU46WU*MKAW-"'E%[;>9[UYV\QKJ=(=QWXQ,1)KSX3
MJY+ZHDP[I8)#7N6JPV YLH0)1&,*G''"%2[=T+R!U%=4/&*I.8*5%!"7^;4%
MYC2"54P#EM;9XG?07GSJ:PA3^J6^AJ#0P,:\.XF;QWH8]8+1B-+FL1[!+=(@
M.9(0D&%F I6L="/$?7*TY?V-@/<$80;KND&^;.-X\!@8PQSB>.\ACC>"(,>T
M1,Q[B8.TQ.#2-\CV2](69X8C?((R(]3= &E^6Z2K[ 3\W.67Z6\G<_M24&(^
MJ* 18PE6%$X>.>7!!!-*)3%"JN)7>X[)TQ:!QN#=3:3\REF.7Z[FZ]D[>SF;
M7V\V]LO+N/0S._\4[?PMN*SKVZ>G/.5Z\]:4,"'EQA8*&:=@^85\G!ZCHK1/
M^4+?[]4E3#ETNXE579D^'Q;Q2Y>K*6_F]7ZQDVOY!+/ZN?/_OKW>EF!B3":-
M*.@0IL8=LB%?7X*I.<))E+A/*FS@9^MF"28ATY2*K\RI5_X_5[/5+,/S4WZH
MMON>]743=D" <>7SWVRG165^#D5XI)T!$VZ%0SH&BY151"KM58JGXO^!GZQ[
M#V 2+DVE\,H\^A=H]%MW!2,]4M;MB@C6*AQ@$B'F0S)'/:P($F$Z'AL-SB79
M?0YA+W6.?Z5N#?XD;"FHUMJ;5W8+]\_"VJB3(0)%1S7B-+&<OTW($69=X"JP
MX/OL4P>_4+>2?9HMJ8PZ&XBL#N?U4^+!:TL0-MG\D<UCZ9(BZYB)V!G"8NDF
MR2_JU+AD(F><UMNCSP7GWH/#Y1"F6$"<22'BU$PA;RG6WJ<H]<1IG+;"[Y'
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MDB+8H+6BHM?-,A#G 2'A=_=D+"/IV)WPT=<?@O(YW]')J^,FDK9*T?P(>BX
MHHBG9)%QF"(1'&SXGEF6>MV'[ZN(PZ+4"18K\.EV>YP"HHJ^_G8ZJVX^"R!_
M>+M8W[2RR<=:'AM&N(S(A0@^1'Y2P7DJ$7<8_$CI!8N]&E6=IMG>[S? K5(
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MXK'7\?6)OJ%[/UZW3TFQO:F,<FNS8ROW;XO5]^AG:1;#[0O9S @3P1L#ISX
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M#3,&K$;0I1M5'!"E_KYT/LZG:W8&*[T![CRTS%?9;L)OOH%65^]7JZM<G?+
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MZDO2H:]>VZ($F+&Y76P%?G_Y?9E;G'KK9O/9^KJ,[S;NB_5J PJ18IAFVXG
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M,C,N:'1M4$L! A0#%     @ $5!N6 ^PF K.(@  W'T  !P
M ( !&@P  &5X.3<M:6)C<G!O;&EC>3(P,C-X,3%X,2YH=&U02P$"% ,4
M"  14&Y8?>7'GC4(  !2*P  '@              @ $B+P  97AH:6)I=#,Q
M,7-E8W1I;VXS,#)C97)T:68N:'1M4$L! A0#%     @ $5!N6+<R*(U%"
MGRH  !X              ( !DS<  &5X:&EB:70S,3)S96-T:6]N,S R8V5R
M=&EF+FAT;5!+ 0(4 Q0    ( !%0;EALYE2K' 4  /$:   >
M  "  11   !E>&AI8FET,S(P<V5C=&EO;CDP-F-E<G1I9BYH=&U02P$"% ,4
M    "  14&Y8S.&XW,HS!0 1T4H $               @ %L10  9F)C+3(P
M,C,Q,C,Q+FAT;5!+ 0(4 Q0    ( !%0;ECD*%3(""@  /_R 0 0
M      "  61Y!0!F8F,M,C R,S$R,S$N>'-D4$L! A0#%     @ $5!N6#L*
M$WTB5P  =+ # !0              ( !FJ$% &9B8RTR,#(S,3(S,5]C86PN
M>&UL4$L! A0#%     @ $5!N6%= 1^]R2 $ 8I(/ !0              ( !
M[O@% &9B8RTR,#(S,3(S,5]D968N>&UL4$L! A0#%     @ $5!N6$/L)J!P
M9 $ T^$! !,              ( !DD$' &9B8RTR,#(S,3(S,5]G,2YJ<&=0
M2P$"% ,4    "  14&Y8VM5JW,Z< @#MB1D %               @ $SI@@
M9F)C+3(P,C,Q,C,Q7VQA8BYX;6Q02P$"% ,4    "  14&Y88P1!VB^] 0 Z
M5Q4 %               @ $S0PL 9F)C+3(P,C,Q,C,Q7W!R92YX;6Q02P4&
2      T #0"$ P  E  -

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>181
<FILENAME>fbc-20231231_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xml:lang="en-US"
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2023"
  xmlns:ecd="http://xbrl.sec.gov/ecd/2023"
  xmlns:fbc="http://www.flagstar.com/20231231"
  xmlns:iso4217="http://www.xbrl.org/2003/iso4217"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:srt="http://fasb.org/srt/2023"
  xmlns:stpr="http://xbrl.sec.gov/stpr/2023"
  xmlns:us-gaap="http://fasb.org/us-gaap/2023"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <link:schemaRef xlink:href="fbc-20231231.xsd" xlink:type="simple"/>
    <context id="c-1">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-2">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-3">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:BifurcatedOptionNotesUnitSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-4">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:DepositarySharesEachRepresentingA140thInterestInAShareOfFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-5">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <instant>2023-06-30</instant>
        </period>
    </context>
    <context id="c-6">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <instant>2024-03-04</instant>
        </period>
    </context>
    <context id="c-7">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-8">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-9">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-10">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-11">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-12">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-13">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-14">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-15">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-16">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-17">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-18">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-19">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-20">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-21">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-22">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-23">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-24">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-25">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-26">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-27">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-28">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-29">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-30">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-31">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-32">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-33">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-34">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-35">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-36">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-37">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-38">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-39">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <instant>2020-12-31</instant>
        </period>
    </context>
    <context id="c-40">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:PreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-12-31</instant>
        </period>
    </context>
    <context id="c-41">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-12-31</instant>
        </period>
    </context>
    <context id="c-42">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-12-31</instant>
        </period>
    </context>
    <context id="c-43">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-12-31</instant>
        </period>
    </context>
    <context id="c-44">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-12-31</instant>
        </period>
    </context>
    <context id="c-45">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-12-31</instant>
        </period>
    </context>
    <context id="c-46">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AdditionalPaidInCapitalMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-47">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:TreasuryStockCommonMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-48">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:RetainedEarningsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-49">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockUnitsRSUMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-50">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockUnitsRSUMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-51">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockUnitsRSUMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-52">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-53">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <instant>1993-11-23</instant>
        </period>
    </context>
    <context id="c-54">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">us-gaap:IPOMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>1993-11-23</instant>
        </period>
    </context>
    <context id="c-55">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:UnfundedLoanCommitmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-56">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:UnfundedLoanCommitmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-57">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:ConcessionsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-58">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">fbc:FurnitureFixturesAndEquipmentBuildingImprovementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-59">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">fbc:FurnitureFixturesAndEquipmentBuildingImprovementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-60">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:BuildingMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-61">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">fbc:FurnitureFixturesAndEquipmentBuildingImprovementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-62">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">us-gaap:LeaseholdImprovementsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-63">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:PropertyPlantAndEquipmentByTypeAxis">fbc:ATMMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-64">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NY</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-65">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:CA</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-66">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NC</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-67">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:CT</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-68">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:NV</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-69">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-31</startDate>
            <endDate>2023-03-31</endDate>
        </period>
    </context>
    <context id="c-70">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-71">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-20</startDate>
            <endDate>2023-03-20</endDate>
        </period>
    </context>
    <context id="c-72">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-20</startDate>
            <endDate>2023-03-20</endDate>
        </period>
    </context>
    <context id="c-73">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RestatementAxis">srt:RestatementAdjustmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-20</startDate>
            <endDate>2023-03-20</endDate>
        </period>
    </context>
    <context id="c-74">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-75">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-76">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-20</startDate>
            <endDate>2023-03-20</endDate>
        </period>
    </context>
    <context id="c-77">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-78">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-79">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-20</startDate>
            <endDate>2023-03-20</endDate>
        </period>
    </context>
    <context id="c-80">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-81">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-82">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-20</startDate>
            <endDate>2023-03-20</endDate>
        </period>
    </context>
    <context id="c-83">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-84">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RestatementAxis">srt:RestatementAdjustmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-20</instant>
        </period>
    </context>
    <context id="c-85">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:SignatureBridgeBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CoreDepositsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-20</startDate>
            <endDate>2023-03-20</endDate>
        </period>
    </context>
    <context id="c-86">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-12-01</startDate>
            <endDate>2022-12-01</endDate>
        </period>
    </context>
    <context id="c-87">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementGeographicalAxis">stpr:IN</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-01</instant>
        </period>
    </context>
    <context id="c-88">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-01</instant>
        </period>
    </context>
    <context id="c-89">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-01</instant>
        </period>
    </context>
    <context id="c-90">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-01</instant>
        </period>
    </context>
    <context id="c-91">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:CommercialRealEstateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-01</instant>
        </period>
    </context>
    <context id="c-92">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">us-gaap:ConsumerPortfolioSegmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-01</instant>
        </period>
    </context>
    <context id="c-93">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-94">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2022-12-01</startDate>
            <endDate>2022-12-01</endDate>
        </period>
    </context>
    <context id="c-95">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-96">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BusinessAcquisitionAxis">fbc:FlagstarBancorpMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-97">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-98">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-99">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetPriorServiceCostCreditMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-100">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentNetUnamortizedGainLossMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-101">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:StatementEquityComponentsAxis">us-gaap:AccumulatedDefinedBenefitPlansAdjustmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-102">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis">us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-103">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-104">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-105">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-106">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-107">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-108">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-109">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-110">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-111">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-112">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-113">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-114">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-115">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-116">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-117">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-118">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-119">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-120">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-121">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-122">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-123">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-124">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-125">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-126">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-127">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-128">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-129">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-130">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-131">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-132">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-133">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis">srt:FederalHomeLoanBankOfNewYorkMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-134">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis">srt:FederalHomeLoanBankOfIndianapolisMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-135">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis">srt:FederalHomeLoanBankOfNewYorkMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-136">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:FederalHomeLoanBankAdvancesBranchOfFHLBBankAxis">srt:FederalHomeLoanBankOfIndianapolisMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-137">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2023-10-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-138">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasuryAndGovernmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-139">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USStatesAndPoliticalSubdivisionsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-140">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:OtherDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-141">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-142">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USTreasuryAndGovernmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-143">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-144">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">fbc:PrivateLabelCMOsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-145">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-146">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-147">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-148">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-149">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-150">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-151">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-152">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USTreasuryAndGovernmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-153">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-154">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-155">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-156">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-157">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-158">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-159">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-160">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CollateralizedDebtObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-161">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-162">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-163">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-164">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-165">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-166">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-167">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-168">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-169">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CollateralizedDebtObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-170">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-171">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-172">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-173">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:USGovernmentAgenciesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-174">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-175">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-176">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-177">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:CounterpartyNameAxis">fbc:SignatureBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-03-12</instant>
        </period>
    </context>
    <context id="c-178">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:CounterpartyNameAxis">fbc:SignatureBankMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InvestmentTypeAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-03-12</startDate>
            <endDate>2023-03-12</endDate>
        </period>
    </context>
    <context id="c-179">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-180">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-181">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-182">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-183">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-184">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-185">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-186">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-187">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-188">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-189">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-190">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-191">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:LeaseFinancingLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-192">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:LeaseFinancingLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-193">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-194">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-195">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-196">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-197">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-198">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-199">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:SpecialtyFinanceLoansAndLeasesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-200">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:SpecialtyFinanceLoansAndLeasesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-201">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-202">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-203">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-204">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-205">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-206">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-207">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-208">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-209">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-210">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-211">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-212">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-213">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-214">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-215">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-216">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-217">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-218">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-219">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-220">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-221">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-222">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-223">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-224">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-225">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-226">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-227">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-228">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-229">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-230">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-231">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-232">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-233">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-234">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-235">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-236">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-237">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-238">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-239">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-240">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-241">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-242">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-243">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-244">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-245">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-246">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-247">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-248">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-249">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-250">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-251">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-252">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-253">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-254">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-255">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-256">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-257">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-258">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-259">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-260">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-261">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-262">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-263">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-264">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-265">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-266">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-267">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-268">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-269">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-270">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-271">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-272">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-273">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-274">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-275">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:DoubtfulMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-276">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-277">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-278">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-279">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-280">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-281">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-282">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-283">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-284">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PassMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-285">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-286">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-287">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-288">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-289">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-290">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-291">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-292">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SpecialMentionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-293">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-294">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-295">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-296">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-297">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-298">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoanAndLeaseFinancingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-299">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-300">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:SubstandardMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-301">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-302">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-303">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-304">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-305">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-306">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-307">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-308">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-309">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-310">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-311">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-312">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:RealPropertyCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-313">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">fbc:OtherCollateralMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:PledgedStatusAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-314">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RelatedPartyTransactionsByRelatedPartyAxis">fbc:OfficersAndDirectorsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-315">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RelatedPartyTransactionsByRelatedPartyAxis">fbc:OfficersAndDirectorsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-316">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-317">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-318">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-319">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-320">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-321">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-322">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-323">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-324">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-325">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-326">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-327">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-328">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-329">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-330">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-331">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-332">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-333">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-334">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-335">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-336">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-337">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-338">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-339">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-340">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-341">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-342">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-343">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-344">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-345">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-346">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-347">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-348">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-349">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-350">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ContractualInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-351">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-352">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LoanRestructuringModificationAxis">us-gaap:ExtendedMaturityAndInterestRateReductionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-353">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-354">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-355">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancialAssetNotPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-356">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">fbc:FinancialAsset30To89DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-357">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-358">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-359">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablesPeriodPastDueAxis">us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-360">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:MultiFamilyLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-361">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialRealEstateLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-362">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-363">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-364">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-365">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-366">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:OtherLoansHeldForInvestmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-367">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-368">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-369">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-370">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-371">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-372">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-373">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-374">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-375">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NetLoanAdministrationIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-376">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:FirstMortgageMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NetLoanAdministrationIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-377">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:FDICServicedLoansMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NetLoanAdministrationIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-378">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">us-gaap:VariableInterestEntityNotPrimaryBeneficiaryMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-379">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-380">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-381">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalHomeLoanBankAdvancesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-382">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalHomeLoanBankAdvancesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-383">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalReserveBankAdvancesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-384">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalReserveBankAdvancesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-385">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">fbc:FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-386">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">fbc:FederalHomeLoanBankAdvancesAndFederalReserveBankFundingMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-387">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:JuniorSubordinatedDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-388">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:JuniorSubordinatedDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-389">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-390">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-391">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:FederalReserveBankAdvancesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-392">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RestatementAxis">srt:ScenarioPreviouslyReportedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-393">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:NewYorkCommunityCapitalTrustVBONUSESUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-394">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:NewYorkCommunityCapitalTrustXMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-395">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:PennFedCapitalTrustIIIMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-396">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:NewYorkCommunityCapitalTrustXIMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-397">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustIIMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-398">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustIIIMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-399">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustIVMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-400">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustVMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-401">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustVIMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-402">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustVIIMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-403">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustVIIIMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-404">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustIXMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-405">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:FlagstarStatutoryTrustXMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-406">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:ClassOfWarrantOrRightAxis">fbc:BONUSESUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2002-11-04</instant>
        </period>
    </context>
    <context id="c-407">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <instant>2002-11-04</instant>
        </period>
    </context>
    <context id="c-408">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2002-11-04</startDate>
            <endDate>2002-11-04</endDate>
        </period>
    </context>
    <context id="c-409">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2007-11-04</startDate>
            <endDate>2007-11-04</endDate>
        </period>
    </context>
    <context id="c-410">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:ClassOfWarrantOrRightAxis">fbc:BONUSESUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-411">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:SubordinatedNotesMaturingIn2028Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-412">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:SubordinatedNotesMaturingIn2030Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">fbc:SecuredOvernightFinancingRateSOFRMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-413">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:SubordinatedNotesMaturingIn2030Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-414">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DebtInstrumentAxis">fbc:SubordinatedNotesMaturingIn2028Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:LongtermDebtTypeAxis">us-gaap:SubordinatedDebtMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:VariableRateAxis">fbc:SecuredOvernightFinancingRateSOFRMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-415">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-416">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-417">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-418">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-419">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-420">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">fbc:RestrictedStockandRestrictedStockUnitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-421">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-422">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:RestrictedStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-423">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-424">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-425">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-426">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-427">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:AwardTypeAxis">us-gaap:PerformanceSharesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-428">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-429">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-430">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-431">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-432">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-433">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-434">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-435">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-436">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-437">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:FairValueHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-438">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-439">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-440">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-441">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-442">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-443">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-444">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-445">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-446">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-447">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-448">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-449">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-450">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-451">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-452">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-453">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentsGainLossByHedgingRelationshipAxis">us-gaap:CashFlowHedgingMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-454">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-455">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-456">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-457">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-458">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-459">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-460">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-461">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-462">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherAssetsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-463">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:BalanceSheetLocationAxis">us-gaap:OtherLiabilitiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-464">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-465">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapOnMultiFamilyLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-466">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-467">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwaptionMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-468">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-469">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-470">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-471">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsFHLBAdvancesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:DesignatedAsHedgingInstrumentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-472">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-473">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwaptionMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-474">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-475">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-476">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:HedgingDesignationAxis">us-gaap:NondesignatedMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-477">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:SwapFHLBMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-478">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:SwapFHLBMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-479">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:SwapFHLBMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-480">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-481">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-482">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-483">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-484">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-485">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:MortgageServicingRightsMSRImpairmentRecoveryMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-486">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:RateLockCommitmentsAndUSTreasuryFuturesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:GainLossOnSaleOfFinancingReceivableMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-487">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:RateLockCommitmentsAndUSTreasuryFuturesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:GainLossOnSaleOfFinancingReceivableMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-488">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:ForwardCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NoninterestIncomeOtherOperatingIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-489">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:ForwardCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NoninterestIncomeOtherOperatingIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-490">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NoninterestIncomeOtherOperatingIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-491">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateSwapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:IncomeStatementLocationAxis">fbc:NoninterestIncomeOtherOperatingIncomeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-492">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CoreDepositsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-493">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CoreDepositsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-494">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:OtherIntangibleAssetsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-495">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:OtherIntangibleAssetsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-496">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:CoreDepositsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-497">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FiniteLivedIntangibleAssetsByMajorClassAxis">us-gaap:OtherIntangibleAssetsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-498">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-499">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-500">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:SubsidiariesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-501">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:SubsidiariesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-502">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2017-03-17</startDate>
            <endDate>2017-03-17</endDate>
        </period>
    </context>
    <context id="c-503">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2017-03-17</instant>
        </period>
    </context>
    <context id="c-504">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <instant>2018-10-23</instant>
        </period>
    </context>
    <context id="c-505">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-506">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-507">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-508">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-509">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-510">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-511">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-512">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-513">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-514">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-515">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-516">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-517">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-518">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-519">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-520">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-521">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-522">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-523">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-524">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-525">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-526">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-527">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-528">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-529">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-530">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-531">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-532">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-533">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-534">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-535">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-536">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-537">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-538">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-539">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-540">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-541">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-542">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-543">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-544">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-545">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-546">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-547">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-548">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-549">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-550">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-551">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-552">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-553">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-554">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-555">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-556">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-557">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-558">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-559">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-560">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-561">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-562">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-563">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-564">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-565">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-566">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-567">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-568">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-569">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-570">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-571">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-572">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-573">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-574">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-575">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:AcquisitionDevelopmentAndConstructionLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-576">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-577">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-578">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-579">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">fbc:CommercialAndIndustrialLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-580">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-581">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-582">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-583">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-584">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-585">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-586">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-587">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-588">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-589">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-590">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-591">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-592">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-593">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-594">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-595">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-596">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-597">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-598">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-599">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-600">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-601">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-602">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-603">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CollateralizedMortgageObligationsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-604">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-605">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-606">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-607">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-608">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-609">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-610">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-611">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-612">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-613">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-614">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-615">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USTreasurySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-616">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-617">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-618">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-619">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-620">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-621">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-622">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-623">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:AssetBackedSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-624">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-625">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-626">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-627">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MunicipalBondsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-628">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-629">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-630">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-631">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateBondSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-632">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-633">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-634">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-635">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:ForeignNotesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-636">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-637">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-638">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-639">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:CorporateNoteSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-640">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-641">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-642">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-643">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:DebtSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-644">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-645">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-646">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-647">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageBackedSecuritiesAndOtherSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-648">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-649">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-650">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-651">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MutualFundMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-652">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-653">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-654">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-655">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:EquitySecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-656">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-657">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-658">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-659">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-660">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-661">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-662">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-663">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivablePortfolioSegmentAxis">fbc:MortgageLoansHeldForInvestmentMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis">us-gaap:ResidentialMortgageMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-664">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-665">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-666">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-667">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">fbc:InterestRateSwapsandSwaptionsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-668">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-669">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-670">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-671">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:FutureMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-672">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-673">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-674">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-675">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-676">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-677">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-678">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-679">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:MortgageBackedSecuritiesOtherMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-680">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageServicingRightsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-681">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageServicingRightsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-682">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:MortgageServicingRightsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-683">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-684">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-685">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-686">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-687">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-688">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-689">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-690">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-691">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-692">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputOptionVolatilityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-693">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputOptionVolatilityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-694">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputOptionVolatilityMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-695">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputConstantPrepaymentRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-696">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputConstantPrepaymentRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-697">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputConstantPrepaymentRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-698">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">fbc:WeightedAverageCosttoServicePerLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-699">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">fbc:WeightedAverageCosttoServicePerLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-700">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:WeightedAverageMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">fbc:WeightedAverageCosttoServicePerLoanMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-701">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-702">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputDefaultRateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-703">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputExpectedTermMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-704">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">us-gaap:MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputExpectedTermMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-705">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-706">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DerivativeInstrumentRiskAxis">us-gaap:InterestRateLockCommitmentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsRecurringMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">fbc:MeasurementInputOriginationPullThroughMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-707">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-708">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-709">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-710">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-711">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-712">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-713">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-714">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementFrequencyAxis">us-gaap:FairValueMeasurementsNonrecurringMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-715">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-716">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-717">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-718">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-719">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-720">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:CarryingReportedAmountFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-721">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-722">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-723">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-724">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByMeasurementBasisAxis">us-gaap:EstimateOfFairValueFairValueDisclosureMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-725">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:MeasurementInputTypeAxis">us-gaap:MeasurementInputExpectedTermMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-726">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">fbc:NonaccrualLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-727">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">fbc:NonaccrualLoansMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-728">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-729">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-730">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-731">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-732">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:InternalCreditAssessmentAxis">us-gaap:PerformingFinancingReceivableMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-733">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FinancialInstrumentAxis">fbc:LoansHeldForSaleMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-734">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-735">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:CollateralAxis">us-gaap:AssetPledgedAsCollateralMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-736">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:MultiFamilyAndCommercialRealEstateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-737">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:MultiFamilyAndCommercialRealEstateMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-738">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-739">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:OneToFourFamilyIncludingInterestRateLocksMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-740">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:AcquisitionDevelopmentAndConstructionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-741">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:AcquisitionDevelopmentAndConstructionMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-742">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:WarehouseLoanCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-743">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:WarehouseLoanCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-744">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-745">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">fbc:OtherLoanCommitmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-746">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">us-gaap:UnfundedLoanCommitmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-747">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:OtherCommitmentsAxis">us-gaap:UnfundedLoanCommitmentMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-748">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">us-gaap:FinancialStandbyLetterOfCreditMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-749">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">us-gaap:PerformanceGuaranteeMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-750">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:GuaranteeObligationsByNatureAxis">fbc:CommercialLettersOfCreditMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-751">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-752">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-753">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-754">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-755">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-756">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-757">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsLargeCapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-758">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsLargeCapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-759">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsLargeCapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-760">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsMidCapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-761">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsMidCapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-762">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsMidCapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-763">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsSmallCapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-764">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsSmallCapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-765">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesUsSmallCapMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-766">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-767">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-768">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesNonUsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-769">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-770">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-771">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-772">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-773">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-774">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeAndCashEquivalentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-775">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-776">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-777">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-778">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-779">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapGrowthMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-780">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapGrowthMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-781">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapGrowthMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-782">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapGrowthMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-783">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-784">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-785">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-786">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-787">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityMidCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-788">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityMidCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-789">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityMidCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-790">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityMidCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-791">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquitySmallCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-792">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquitySmallCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-793">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquitySmallCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-794">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquitySmallCapCoreMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-795">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSGrowthMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-796">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSGrowthMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-797">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSGrowthMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-798">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSGrowthMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-799">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-800">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-801">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-802">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-803">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-804">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-805">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-806">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeIntermediateCorePlusMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-807">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesCommonStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-808">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesCommonStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-809">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesCommonStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-810">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesCommonStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-811">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-812">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-813">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-814">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-815">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-816">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-817">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-818">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-819">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel1Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-820">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel2Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-821">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:FairValueByFairValueHierarchyLevelAxis">us-gaap:FairValueInputsLevel3Member</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-822">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-823">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityLargeCapValueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-824">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanEquityNonUSValueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-825">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:FixedIncomeInvestmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-826">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:FourthFundsTargetsInvestmentsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-827">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-828">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-829">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanCollectiveTrustEquitySecuritiesLargeCapValueMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-830">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-831">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanDebtSecurityMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-832">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanDebtSecurityMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-833">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanCashAndCashEquivalentsMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-834">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-835">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">us-gaap:DefinedBenefitPlanEquitySecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-836">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-837">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:DefinedBenefitPlanByPlanAssetCategoriesAxis">fbc:DefinedBenefitPlanFixedIncomeSecuritiesMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-838">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MinimumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-839">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:RangeAxis">srt:MaximumMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PensionPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-840">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-841">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-842">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-843">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-844">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-845">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2023-12-31</instant>
        </period>
    </context>
    <context id="c-846">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2022-12-31</instant>
        </period>
    </context>
    <context id="c-847">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementScenarioAxis">srt:ScenarioForecastMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-01-01</startDate>
            <endDate>2024-12-31</endDate>
        </period>
    </context>
    <context id="c-848">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-849">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:OtherPostretirementBenefitPlansDefinedBenefitMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-850">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:RetirementPlanTypeAxis">us-gaap:PostemploymentRetirementBenefitsMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-851">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2023-01-01</startDate>
            <endDate>2023-12-31</endDate>
        </period>
    </context>
    <context id="c-852">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2022-01-01</startDate>
            <endDate>2022-12-31</endDate>
        </period>
    </context>
    <context id="c-853">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-01</startDate>
            <endDate>2021-12-31</endDate>
        </period>
    </context>
    <context id="c-854">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2021-12-31</instant>
        </period>
    </context>
    <context id="c-855">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:ConsolidatedEntitiesAxis">srt:ParentCompanyMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2020-12-31</instant>
        </period>
    </context>
    <context id="c-856">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="srt:StatementScenarioAxis">srt:ScenarioForecastMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-02-08</startDate>
            <endDate>2024-03-31</endDate>
        </period>
    </context>
    <context id="c-857">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-03-07</startDate>
            <endDate>2024-03-07</endDate>
        </period>
    </context>
    <context id="c-858">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-03-07</instant>
        </period>
    </context>
    <context id="c-859">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:SeriesBNoncumulativeConvertiblePreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-03-07</startDate>
            <endDate>2024-03-07</endDate>
        </period>
    </context>
    <context id="c-860">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:SeriesBNoncumulativeConvertiblePreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-03-07</instant>
        </period>
    </context>
    <context id="c-861">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:SeriesCNoncumulativeConvertiblePreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2024-03-07</startDate>
            <endDate>2024-03-07</endDate>
        </period>
    </context>
    <context id="c-862">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">fbc:SeriesCNoncumulativeConvertiblePreferredStockMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
                <xbrldi:explicitMember dimension="us-gaap:SubsidiarySaleOfStockAxis">fbc:EquityCapitalRaiseMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-03-07</instant>
        </period>
    </context>
    <context id="c-863">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:SubsequentEventTypeAxis">us-gaap:SubsequentEventMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <instant>2024-03-07</instant>
        </period>
    </context>
    <unit id="usd">
        <measure>iso4217:USD</measure>
    </unit>
    <unit id="shares">
        <measure>shares</measure>
    </unit>
    <unit id="usdPerShare">
        <divide>
            <unitNumerator>
                <measure>iso4217:USD</measure>
            </unitNumerator>
            <unitDenominator>
                <measure>shares</measure>
            </unitDenominator>
        </divide>
    </unit>
    <unit id="branch">
        <measure>fbc:branch</measure>
    </unit>
    <unit id="state">
        <measure>fbc:state</measure>
    </unit>
    <unit id="originator">
        <measure>fbc:originator</measure>
    </unit>
    <unit id="division">
        <measure>fbc:division</measure>
    </unit>
    <unit id="number">
        <measure>pure</measure>
    </unit>
    <unit id="loan">
        <measure>fbc:loan</measure>
    </unit>
    <unit id="states">
        <measure>fbc:States</measure>
    </unit>
    <unit id="security">
        <measure>fbc:security</measure>
    </unit>
    <unit id="unit">
        <measure>fbc:unit</measure>
    </unit>
    <unit id="constant_default_rate_per_loan">
        <measure>fbc:constant_default_rate_per_loan</measure>
    </unit>
    <dei:EntityCentralIndexKey contextRef="c-1" id="f-38">0000910073</dei:EntityCentralIndexKey>
    <dei:AmendmentFlag contextRef="c-1" id="f-39">false</dei:AmendmentFlag>
    <dei:DocumentFiscalYearFocus contextRef="c-1" id="f-40">2023</dei:DocumentFiscalYearFocus>
    <dei:DocumentFiscalPeriodFocus contextRef="c-1" id="f-41">FY</dei:DocumentFiscalPeriodFocus>
    <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="c-58" id="f-618">P3Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
    <us-gaap:DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList contextRef="c-7" id="f-872">http://fasb.org/us-gaap/2023#OtherAssets</us-gaap:DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList>
    <us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList contextRef="c-8" id="f-1197">http://fasb.org/us-gaap/2023#OtherAssets</us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList>
    <us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList contextRef="c-7" id="f-1198">http://fasb.org/us-gaap/2023#OtherAssets</us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList>
    <us-gaap:OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList contextRef="c-8" id="f-1752">http://fasb.org/us-gaap/2023#OtherAssets</us-gaap:OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList>
    <us-gaap:OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList contextRef="c-7" id="f-1753">http://fasb.org/us-gaap/2023#OtherAssets</us-gaap:OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList>
    <us-gaap:OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList contextRef="c-8" id="f-1754">http://fasb.org/us-gaap/2023#OtherLiabilities</us-gaap:OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList>
    <us-gaap:OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList contextRef="c-7" id="f-1755">http://fasb.org/us-gaap/2023#OtherLiabilities</us-gaap:OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList>
    <us-gaap:ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration contextRef="c-1" id="f-1774">http://fasb.org/us-gaap/2023#MortgageServicingRightsMSRImpairmentRecovery</us-gaap:ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration>
    <us-gaap:ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration contextRef="c-9" id="f-1775">http://fasb.org/us-gaap/2023#MortgageServicingRightsMSRImpairmentRecovery</us-gaap:ServicingAssetAtFairValueOtherChangeInFairValueStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c-416" id="f-2199">P1Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
    <fbc:InterestInPreferredStock
      contextRef="c-503"
      decimals="3"
      id="f-2571"
      unitRef="number">0.025</fbc:InterestInPreferredStock>
    <us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList contextRef="c-1" id="f-2804">http://fasb.org/us-gaap/2023#NoninterestIncome</us-gaap:FairValueRecurringBasisUnobservableInputReconciliationAssetGainLossStatementOfIncomeExtensibleList>
    <dei:DocumentType contextRef="c-1" id="f-1">10-K</dei:DocumentType>
    <dei:DocumentAnnualReport contextRef="c-1" id="f-2">true</dei:DocumentAnnualReport>
    <dei:DocumentPeriodEndDate contextRef="c-1" id="f-3">2023-12-31</dei:DocumentPeriodEndDate>
    <dei:CurrentFiscalYearEndDate contextRef="c-1" id="f-4">--12-31</dei:CurrentFiscalYearEndDate>
    <dei:DocumentTransitionReport contextRef="c-1" id="f-5">false</dei:DocumentTransitionReport>
    <dei:EntityFileNumber contextRef="c-1" id="f-6">001-16577</dei:EntityFileNumber>
    <dei:EntityRegistrantName contextRef="c-1" id="f-7">NEW YORK COMMUNITY BANCORP, INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="c-1" id="f-8">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityTaxIdentificationNumber contextRef="c-1" id="f-9">06-1377322</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="c-1" id="f-10">102 Duffy Avenue,</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="c-1" id="f-11">Hicksville,</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="c-1" id="f-12">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="c-1" id="f-13">11801</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="c-1" id="f-14">516</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="c-1" id="f-15">683-4100</dei:LocalPhoneNumber>
    <dei:Security12bTitle contextRef="c-2" id="f-16">Common Stock, $0.01 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c-2" id="f-17">NYCB</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c-2" id="f-18">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c-3" id="f-19">Bifurcated Option Note Unit SecuritiESSM</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c-3" id="f-20">NYCB PU</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c-3" id="f-21">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle contextRef="c-4" id="f-22">Depositary Shares each representing a 1/40th interest in a share of Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="c-4" id="f-23">NYCB PA</dei:TradingSymbol>
    <dei:SecurityExchangeName contextRef="c-4" id="f-24">NYSE</dei:SecurityExchangeName>
    <dei:EntityWellKnownSeasonedIssuer contextRef="c-1" id="f-25">No</dei:EntityWellKnownSeasonedIssuer>
    <dei:EntityVoluntaryFilers contextRef="c-1" id="f-26">No</dei:EntityVoluntaryFilers>
    <dei:EntityCurrentReportingStatus contextRef="c-1" id="f-27">No</dei:EntityCurrentReportingStatus>
    <dei:EntityInteractiveDataCurrent contextRef="c-1" id="f-28">Yes</dei:EntityInteractiveDataCurrent>
    <dei:EntityFilerCategory contextRef="c-1" id="f-29">Large Accelerated Filer</dei:EntityFilerCategory>
    <dei:EntitySmallBusiness contextRef="c-1" id="f-30">false</dei:EntitySmallBusiness>
    <dei:EntityEmergingGrowthCompany contextRef="c-1" id="f-31">false</dei:EntityEmergingGrowthCompany>
    <dei:IcfrAuditorAttestationFlag contextRef="c-1" id="f-32">true</dei:IcfrAuditorAttestationFlag>
    <dei:DocumentFinStmtErrorCorrectionFlag contextRef="c-1" id="f-33">false</dei:DocumentFinStmtErrorCorrectionFlag>
    <dei:EntityShellCompany contextRef="c-1" id="f-34">false</dei:EntityShellCompany>
    <dei:EntityPublicFloat contextRef="c-5" decimals="-8" id="f-35" unitRef="usd">8000000000</dei:EntityPublicFloat>
    <dei:EntityCommonStockSharesOutstanding contextRef="c-6" decimals="INF" id="f-36" unitRef="shares">797921126</dei:EntityCommonStockSharesOutstanding>
    <dei:DocumentsIncorporatedByReferenceTextBlock contextRef="c-1" id="f-37">Portions of the definitive Proxy Statement for the Annual Meeting of Shareholders to be held on May&#160;17, 2024 are incorporated by reference into Part III.</dei:DocumentsIncorporatedByReferenceTextBlock>
    <dei:AuditorFirmId contextRef="c-1" id="f-42">238</dei:AuditorFirmId>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-7" decimals="-6" id="f-43" unitRef="usd">11475000000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-8" decimals="-6" id="f-44" unitRef="usd">2032000000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:DebtSecuritiesAvailableForSaleRestricted contextRef="c-7" decimals="-6" id="f-45" unitRef="usd">2822000000</us-gaap:DebtSecuritiesAvailableForSaleRestricted>
    <us-gaap:DebtSecuritiesAvailableForSaleRestricted contextRef="c-8" decimals="-6" id="f-46" unitRef="usd">434000000</us-gaap:DebtSecuritiesAvailableForSaleRestricted>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-7" decimals="-6" id="f-47" unitRef="usd">9145000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-8" decimals="-6" id="f-48" unitRef="usd">9060000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:EquitySecuritiesFvNi contextRef="c-7" decimals="-6" id="f-49" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNi>
    <us-gaap:EquitySecuritiesFvNi contextRef="c-8" decimals="-6" id="f-50" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNi>
    <fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent contextRef="c-7" decimals="-6" id="f-51" unitRef="usd">9159000000</fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent>
    <fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent contextRef="c-8" decimals="-6" id="f-52" unitRef="usd">9074000000</fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-7" decimals="-6" id="f-53" unitRef="usd">902000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-8" decimals="-6" id="f-54" unitRef="usd">1115000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansReceivableHeldForSaleAmount contextRef="c-7" decimals="-6" id="f-55" unitRef="usd">1182000000</us-gaap:LoansReceivableHeldForSaleAmount>
    <us-gaap:LoansReceivableHeldForSaleAmount contextRef="c-8" decimals="-6" id="f-56" unitRef="usd">1115000000</us-gaap:LoansReceivableHeldForSaleAmount>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-57" unitRef="usd">84619000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-8" decimals="-6" id="f-58" unitRef="usd">69001000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-7" decimals="-6" id="f-59" unitRef="usd">992000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-8" decimals="-6" id="f-60" unitRef="usd">393000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-61" unitRef="usd">83627000000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-8" decimals="-6" id="f-62" unitRef="usd">68608000000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FederalHomeLoanBankStock contextRef="c-7" decimals="-6" id="f-63" unitRef="usd">1392000000</us-gaap:FederalHomeLoanBankStock>
    <us-gaap:FederalHomeLoanBankStock contextRef="c-8" decimals="-6" id="f-64" unitRef="usd">1267000000</us-gaap:FederalHomeLoanBankStock>
    <us-gaap:PropertyPlantAndEquipmentNet contextRef="c-7" decimals="-6" id="f-65" unitRef="usd">652000000</us-gaap:PropertyPlantAndEquipmentNet>
    <us-gaap:PropertyPlantAndEquipmentNet contextRef="c-8" decimals="-6" id="f-66" unitRef="usd">491000000</us-gaap:PropertyPlantAndEquipmentNet>
    <us-gaap:IntangibleAssetsNetExcludingGoodwill contextRef="c-7" decimals="-6" id="f-67" unitRef="usd">625000000</us-gaap:IntangibleAssetsNetExcludingGoodwill>
    <us-gaap:IntangibleAssetsNetExcludingGoodwill contextRef="c-8" decimals="-6" id="f-68" unitRef="usd">287000000</us-gaap:IntangibleAssetsNetExcludingGoodwill>
    <us-gaap:Goodwill contextRef="c-7" decimals="-6" id="f-69" unitRef="usd">0</us-gaap:Goodwill>
    <us-gaap:Goodwill contextRef="c-8" decimals="-6" id="f-70" unitRef="usd">2426000000</us-gaap:Goodwill>
    <us-gaap:ServicingAsset contextRef="c-7" decimals="-6" id="f-71" unitRef="usd">1111000000</us-gaap:ServicingAsset>
    <us-gaap:ServicingAsset contextRef="c-8" decimals="-6" id="f-72" unitRef="usd">1033000000</us-gaap:ServicingAsset>
    <us-gaap:BankOwnedLifeInsurance contextRef="c-7" decimals="-6" id="f-73" unitRef="usd">1580000000</us-gaap:BankOwnedLifeInsurance>
    <us-gaap:BankOwnedLifeInsurance contextRef="c-8" decimals="-6" id="f-74" unitRef="usd">1561000000</us-gaap:BankOwnedLifeInsurance>
    <us-gaap:OtherAssets contextRef="c-7" decimals="-6" id="f-75" unitRef="usd">3254000000</us-gaap:OtherAssets>
    <us-gaap:OtherAssets contextRef="c-8" decimals="-6" id="f-76" unitRef="usd">2250000000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-7" decimals="-6" id="f-77" unitRef="usd">114057000000</us-gaap:Assets>
    <us-gaap:Assets contextRef="c-8" decimals="-6" id="f-78" unitRef="usd">90144000000</us-gaap:Assets>
    <us-gaap:InterestBearingDepositLiabilities contextRef="c-7" decimals="-6" id="f-79" unitRef="usd">30700000000</us-gaap:InterestBearingDepositLiabilities>
    <us-gaap:InterestBearingDepositLiabilities contextRef="c-8" decimals="-6" id="f-80" unitRef="usd">22511000000</us-gaap:InterestBearingDepositLiabilities>
    <us-gaap:DepositsSavingsDeposits contextRef="c-7" decimals="-6" id="f-81" unitRef="usd">8773000000</us-gaap:DepositsSavingsDeposits>
    <us-gaap:DepositsSavingsDeposits contextRef="c-8" decimals="-6" id="f-82" unitRef="usd">11645000000</us-gaap:DepositsSavingsDeposits>
    <us-gaap:TimeDeposits contextRef="c-7" decimals="-6" id="f-83" unitRef="usd">21554000000</us-gaap:TimeDeposits>
    <us-gaap:TimeDeposits contextRef="c-8" decimals="-6" id="f-84" unitRef="usd">12510000000</us-gaap:TimeDeposits>
    <us-gaap:NoninterestBearingDepositLiabilities contextRef="c-7" decimals="-6" id="f-85" unitRef="usd">20499000000</us-gaap:NoninterestBearingDepositLiabilities>
    <us-gaap:NoninterestBearingDepositLiabilities contextRef="c-8" decimals="-6" id="f-86" unitRef="usd">12055000000</us-gaap:NoninterestBearingDepositLiabilities>
    <us-gaap:Deposits contextRef="c-7" decimals="-6" id="f-87" unitRef="usd">81526000000</us-gaap:Deposits>
    <us-gaap:Deposits contextRef="c-8" decimals="-6" id="f-88" unitRef="usd">58721000000</us-gaap:Deposits>
    <fbc:FederalHomeLoanBankAndFederalReserveBankAdvances contextRef="c-7" decimals="-6" id="f-89" unitRef="usd">20250000000</fbc:FederalHomeLoanBankAndFederalReserveBankAdvances>
    <fbc:FederalHomeLoanBankAndFederalReserveBankAdvances contextRef="c-8" decimals="-6" id="f-90" unitRef="usd">20325000000</fbc:FederalHomeLoanBankAndFederalReserveBankAdvances>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-7" decimals="-6" id="f-91" unitRef="usd">579000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-8" decimals="-6" id="f-92" unitRef="usd">575000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SubordinatedDebt contextRef="c-7" decimals="-6" id="f-93" unitRef="usd">438000000</us-gaap:SubordinatedDebt>
    <us-gaap:SubordinatedDebt contextRef="c-8" decimals="-6" id="f-94" unitRef="usd">432000000</us-gaap:SubordinatedDebt>
    <us-gaap:LongTermDebt contextRef="c-7" decimals="-6" id="f-95" unitRef="usd">21267000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-8" decimals="-6" id="f-96" unitRef="usd">21332000000</us-gaap:LongTermDebt>
    <us-gaap:OtherLiabilities contextRef="c-7" decimals="-6" id="f-97" unitRef="usd">2897000000</us-gaap:OtherLiabilities>
    <us-gaap:OtherLiabilities contextRef="c-8" decimals="-6" id="f-98" unitRef="usd">1267000000</us-gaap:OtherLiabilities>
    <us-gaap:Liabilities contextRef="c-7" decimals="-6" id="f-99" unitRef="usd">105690000000</us-gaap:Liabilities>
    <us-gaap:Liabilities contextRef="c-8" decimals="-6" id="f-100" unitRef="usd">81320000000</us-gaap:Liabilities>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-8"
      decimals="INF"
      id="f-101"
      unitRef="usdPerShare">0.01</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-7"
      decimals="INF"
      id="f-102"
      unitRef="usdPerShare">0.01</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:PreferredStockSharesAuthorized contextRef="c-7" decimals="INF" id="f-103" unitRef="shares">5000000</us-gaap:PreferredStockSharesAuthorized>
    <us-gaap:PreferredStockSharesAuthorized contextRef="c-8" decimals="INF" id="f-104" unitRef="shares">5000000</us-gaap:PreferredStockSharesAuthorized>
    <us-gaap:PreferredStockSharesOutstanding contextRef="c-7" decimals="INF" id="f-105" unitRef="shares">515000</us-gaap:PreferredStockSharesOutstanding>
    <us-gaap:PreferredStockSharesIssued contextRef="c-7" decimals="INF" id="f-106" unitRef="shares">515000</us-gaap:PreferredStockSharesIssued>
    <us-gaap:PreferredStockSharesOutstanding contextRef="c-8" decimals="INF" id="f-107" unitRef="shares">515000</us-gaap:PreferredStockSharesOutstanding>
    <us-gaap:PreferredStockSharesIssued contextRef="c-8" decimals="INF" id="f-108" unitRef="shares">515000</us-gaap:PreferredStockSharesIssued>
    <us-gaap:PreferredStockValue contextRef="c-7" decimals="-6" id="f-109" unitRef="usd">503000000</us-gaap:PreferredStockValue>
    <us-gaap:PreferredStockValue contextRef="c-8" decimals="-6" id="f-110" unitRef="usd">503000000</us-gaap:PreferredStockValue>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-7"
      decimals="INF"
      id="f-111"
      unitRef="usdPerShare">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-8"
      decimals="INF"
      id="f-112"
      unitRef="usdPerShare">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:CommonStockSharesAuthorized contextRef="c-7" decimals="INF" id="f-113" unitRef="shares">900000000</us-gaap:CommonStockSharesAuthorized>
    <us-gaap:CommonStockSharesAuthorized contextRef="c-8" decimals="INF" id="f-114" unitRef="shares">900000000</us-gaap:CommonStockSharesAuthorized>
    <us-gaap:CommonStockSharesIssued contextRef="c-7" decimals="INF" id="f-115" unitRef="shares">744155791</us-gaap:CommonStockSharesIssued>
    <us-gaap:CommonStockSharesIssued contextRef="c-8" decimals="INF" id="f-116" unitRef="shares">705429386</us-gaap:CommonStockSharesIssued>
    <us-gaap:CommonStockSharesOutstanding contextRef="c-7" decimals="INF" id="f-117" unitRef="shares">722066370</us-gaap:CommonStockSharesOutstanding>
    <us-gaap:CommonStockSharesOutstanding contextRef="c-8" decimals="INF" id="f-118" unitRef="shares">681217334</us-gaap:CommonStockSharesOutstanding>
    <us-gaap:CommonStockValue contextRef="c-7" decimals="-6" id="f-119" unitRef="usd">7000000</us-gaap:CommonStockValue>
    <us-gaap:CommonStockValue contextRef="c-8" decimals="-6" id="f-120" unitRef="usd">7000000</us-gaap:CommonStockValue>
    <us-gaap:AdditionalPaidInCapital contextRef="c-7" decimals="-6" id="f-121" unitRef="usd">8231000000</us-gaap:AdditionalPaidInCapital>
    <us-gaap:AdditionalPaidInCapital contextRef="c-8" decimals="-6" id="f-122" unitRef="usd">8130000000</us-gaap:AdditionalPaidInCapital>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-7" decimals="-6" id="f-123" unitRef="usd">443000000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c-8" decimals="-6" id="f-124" unitRef="usd">1041000000</us-gaap:RetainedEarningsAccumulatedDeficit>
    <us-gaap:TreasuryStockCommonShares contextRef="c-7" decimals="INF" id="f-125" unitRef="shares">22089421</us-gaap:TreasuryStockCommonShares>
    <us-gaap:TreasuryStockCommonShares contextRef="c-8" decimals="INF" id="f-126" unitRef="shares">24212052</us-gaap:TreasuryStockCommonShares>
    <us-gaap:TreasuryStockCommonValue contextRef="c-7" decimals="-6" id="f-127" unitRef="usd">218000000</us-gaap:TreasuryStockCommonValue>
    <us-gaap:TreasuryStockCommonValue contextRef="c-8" decimals="-6" id="f-128" unitRef="usd">237000000</us-gaap:TreasuryStockCommonValue>
    <fbc:AOCIDebtSecuritiesAvailableForSaleAdjustmentTax contextRef="c-7" decimals="-6" id="f-129" unitRef="usd">225000000</fbc:AOCIDebtSecuritiesAvailableForSaleAdjustmentTax>
    <fbc:AOCIDebtSecuritiesAvailableForSaleAdjustmentTax contextRef="c-8" decimals="-6" id="f-130" unitRef="usd">240000000</fbc:AOCIDebtSecuritiesAvailableForSaleAdjustmentTax>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax contextRef="c-7" decimals="-6" id="f-131" unitRef="usd">-581000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax contextRef="c-8" decimals="-6" id="f-132" unitRef="usd">-626000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
    <fbc:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax contextRef="c-7" decimals="-6" id="f-133" unitRef="usd">12000000</fbc:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax>
    <fbc:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax contextRef="c-8" decimals="-6" id="f-134" unitRef="usd">18000000</fbc:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPlanTax>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax contextRef="c-7" decimals="-6" id="f-135" unitRef="usd">28000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax contextRef="c-8" decimals="-6" id="f-136" unitRef="usd">46000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
    <fbc:AOCICashFlowHedgeCumulativeGainLossTax contextRef="c-7" decimals="-6" id="f-137" unitRef="usd">-6000000</fbc:AOCICashFlowHedgeCumulativeGainLossTax>
    <fbc:AOCICashFlowHedgeCumulativeGainLossTax contextRef="c-8" decimals="-6" id="f-138" unitRef="usd">-20000000</fbc:AOCICashFlowHedgeCumulativeGainLossTax>
    <us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax contextRef="c-7" decimals="-6" id="f-139" unitRef="usd">10000000</us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax>
    <us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax contextRef="c-8" decimals="-6" id="f-140" unitRef="usd">52000000</us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="c-7" decimals="-6" id="f-141" unitRef="usd">-599000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="c-8" decimals="-6" id="f-142" unitRef="usd">-620000000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
    <us-gaap:StockholdersEquity contextRef="c-7" decimals="-6" id="f-143" unitRef="usd">8367000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-8" decimals="-6" id="f-144" unitRef="usd">8824000000</us-gaap:StockholdersEquity>
    <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c-7" decimals="-6" id="f-145" unitRef="usd">114057000000</us-gaap:LiabilitiesAndStockholdersEquity>
    <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c-8" decimals="-6" id="f-146" unitRef="usd">90144000000</us-gaap:LiabilitiesAndStockholdersEquity>
    <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="c-1" decimals="-6" id="f-147" unitRef="usd">4509000000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
    <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="c-9" decimals="-6" id="f-148" unitRef="usd">1848000000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
    <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="c-10" decimals="-6" id="f-149" unitRef="usd">1525000000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
    <us-gaap:InterestAndDividendIncomeSecurities contextRef="c-1" decimals="-6" id="f-150" unitRef="usd">982000000</us-gaap:InterestAndDividendIncomeSecurities>
    <us-gaap:InterestAndDividendIncomeSecurities contextRef="c-9" decimals="-6" id="f-151" unitRef="usd">244000000</us-gaap:InterestAndDividendIncomeSecurities>
    <us-gaap:InterestAndDividendIncomeSecurities contextRef="c-10" decimals="-6" id="f-152" unitRef="usd">164000000</us-gaap:InterestAndDividendIncomeSecurities>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-1" decimals="-6" id="f-153" unitRef="usd">5491000000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-9" decimals="-6" id="f-154" unitRef="usd">2092000000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-10" decimals="-6" id="f-155" unitRef="usd">1689000000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestExpenseDemandDepositAccounts contextRef="c-1" decimals="-6" id="f-156" unitRef="usd">943000000</us-gaap:InterestExpenseDemandDepositAccounts>
    <us-gaap:InterestExpenseDemandDepositAccounts contextRef="c-9" decimals="-6" id="f-157" unitRef="usd">226000000</us-gaap:InterestExpenseDemandDepositAccounts>
    <us-gaap:InterestExpenseDemandDepositAccounts contextRef="c-10" decimals="-6" id="f-158" unitRef="usd">31000000</us-gaap:InterestExpenseDemandDepositAccounts>
    <us-gaap:InterestExpenseSavingsDeposits contextRef="c-1" decimals="-6" id="f-159" unitRef="usd">169000000</us-gaap:InterestExpenseSavingsDeposits>
    <us-gaap:InterestExpenseSavingsDeposits contextRef="c-9" decimals="-6" id="f-160" unitRef="usd">60000000</us-gaap:InterestExpenseSavingsDeposits>
    <us-gaap:InterestExpenseSavingsDeposits contextRef="c-10" decimals="-6" id="f-161" unitRef="usd">28000000</us-gaap:InterestExpenseSavingsDeposits>
    <us-gaap:InterestExpenseTimeDeposits contextRef="c-1" decimals="-6" id="f-162" unitRef="usd">646000000</us-gaap:InterestExpenseTimeDeposits>
    <us-gaap:InterestExpenseTimeDeposits contextRef="c-9" decimals="-6" id="f-163" unitRef="usd">97000000</us-gaap:InterestExpenseTimeDeposits>
    <us-gaap:InterestExpenseTimeDeposits contextRef="c-10" decimals="-6" id="f-164" unitRef="usd">55000000</us-gaap:InterestExpenseTimeDeposits>
    <us-gaap:InterestExpenseLongTermDebt contextRef="c-1" decimals="-6" id="f-165" unitRef="usd">656000000</us-gaap:InterestExpenseLongTermDebt>
    <us-gaap:InterestExpenseLongTermDebt contextRef="c-9" decimals="-6" id="f-166" unitRef="usd">313000000</us-gaap:InterestExpenseLongTermDebt>
    <us-gaap:InterestExpenseLongTermDebt contextRef="c-10" decimals="-6" id="f-167" unitRef="usd">286000000</us-gaap:InterestExpenseLongTermDebt>
    <us-gaap:InterestExpense contextRef="c-1" decimals="-6" id="f-168" unitRef="usd">2414000000</us-gaap:InterestExpense>
    <us-gaap:InterestExpense contextRef="c-9" decimals="-6" id="f-169" unitRef="usd">696000000</us-gaap:InterestExpense>
    <us-gaap:InterestExpense contextRef="c-10" decimals="-6" id="f-170" unitRef="usd">400000000</us-gaap:InterestExpense>
    <us-gaap:InterestIncomeExpenseNet contextRef="c-1" decimals="-6" id="f-171" unitRef="usd">3077000000</us-gaap:InterestIncomeExpenseNet>
    <us-gaap:InterestIncomeExpenseNet contextRef="c-9" decimals="-6" id="f-172" unitRef="usd">1396000000</us-gaap:InterestIncomeExpenseNet>
    <us-gaap:InterestIncomeExpenseNet contextRef="c-10" decimals="-6" id="f-173" unitRef="usd">1289000000</us-gaap:InterestIncomeExpenseNet>
    <us-gaap:ProvisionForLoanLossesExpensed contextRef="c-1" decimals="-6" id="f-174" unitRef="usd">833000000</us-gaap:ProvisionForLoanLossesExpensed>
    <us-gaap:ProvisionForLoanLossesExpensed contextRef="c-9" decimals="-6" id="f-175" unitRef="usd">133000000</us-gaap:ProvisionForLoanLossesExpensed>
    <us-gaap:ProvisionForLoanLossesExpensed contextRef="c-10" decimals="-6" id="f-176" unitRef="usd">3000000</us-gaap:ProvisionForLoanLossesExpensed>
    <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c-1" decimals="-6" id="f-177" unitRef="usd">2244000000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
    <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c-9" decimals="-6" id="f-178" unitRef="usd">1263000000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
    <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c-10" decimals="-6" id="f-179" unitRef="usd">1286000000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
    <us-gaap:FeeIncome contextRef="c-1" decimals="-6" id="f-180" unitRef="usd">172000000</us-gaap:FeeIncome>
    <us-gaap:FeeIncome contextRef="c-9" decimals="-6" id="f-181" unitRef="usd">27000000</us-gaap:FeeIncome>
    <us-gaap:FeeIncome contextRef="c-10" decimals="-6" id="f-182" unitRef="usd">23000000</us-gaap:FeeIncome>
    <us-gaap:BankOwnedLifeInsuranceIncome contextRef="c-1" decimals="-6" id="f-183" unitRef="usd">43000000</us-gaap:BankOwnedLifeInsuranceIncome>
    <us-gaap:BankOwnedLifeInsuranceIncome contextRef="c-9" decimals="-6" id="f-184" unitRef="usd">32000000</us-gaap:BankOwnedLifeInsuranceIncome>
    <us-gaap:BankOwnedLifeInsuranceIncome contextRef="c-10" decimals="-6" id="f-185" unitRef="usd">29000000</us-gaap:BankOwnedLifeInsuranceIncome>
    <us-gaap:DebtAndEquitySecuritiesGainLoss contextRef="c-1" decimals="-6" id="f-186" unitRef="usd">-1000000</us-gaap:DebtAndEquitySecuritiesGainLoss>
    <us-gaap:DebtAndEquitySecuritiesGainLoss contextRef="c-9" decimals="-6" id="f-187" unitRef="usd">-2000000</us-gaap:DebtAndEquitySecuritiesGainLoss>
    <us-gaap:DebtAndEquitySecuritiesGainLoss contextRef="c-10" decimals="-6" id="f-188" unitRef="usd">0</us-gaap:DebtAndEquitySecuritiesGainLoss>
    <us-gaap:MortgageServicingRightsMSRImpairmentRecovery contextRef="c-1" decimals="-6" id="f-189" unitRef="usd">-103000000</us-gaap:MortgageServicingRightsMSRImpairmentRecovery>
    <us-gaap:MortgageServicingRightsMSRImpairmentRecovery contextRef="c-9" decimals="-6" id="f-190" unitRef="usd">-6000000</us-gaap:MortgageServicingRightsMSRImpairmentRecovery>
    <us-gaap:MortgageServicingRightsMSRImpairmentRecovery contextRef="c-10" decimals="-6" id="f-191" unitRef="usd">0</us-gaap:MortgageServicingRightsMSRImpairmentRecovery>
    <us-gaap:GainLossOnSaleOfNotesReceivable contextRef="c-1" decimals="-6" id="f-192" unitRef="usd">89000000</us-gaap:GainLossOnSaleOfNotesReceivable>
    <us-gaap:GainLossOnSaleOfNotesReceivable contextRef="c-9" decimals="-6" id="f-193" unitRef="usd">5000000</us-gaap:GainLossOnSaleOfNotesReceivable>
    <us-gaap:GainLossOnSaleOfNotesReceivable contextRef="c-11" decimals="-6" id="f-194" unitRef="usd">0</us-gaap:GainLossOnSaleOfNotesReceivable>
    <fbc:LoanAdministrationIncomeExpense contextRef="c-1" decimals="-6" id="f-195" unitRef="usd">82000000</fbc:LoanAdministrationIncomeExpense>
    <fbc:LoanAdministrationIncomeExpense contextRef="c-9" decimals="-6" id="f-196" unitRef="usd">3000000</fbc:LoanAdministrationIncomeExpense>
    <fbc:LoanAdministrationIncomeExpense contextRef="c-10" decimals="-6" id="f-197" unitRef="usd">0</fbc:LoanAdministrationIncomeExpense>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-1" decimals="-6" id="f-198" unitRef="usd">2131000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-9" decimals="-6" id="f-199" unitRef="usd">159000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-10" decimals="-6" id="f-200" unitRef="usd">0</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:NoninterestIncomeOtherOperatingIncome contextRef="c-1" decimals="-6" id="f-201" unitRef="usd">68000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
    <us-gaap:NoninterestIncomeOtherOperatingIncome contextRef="c-9" decimals="-6" id="f-202" unitRef="usd">17000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
    <us-gaap:NoninterestIncomeOtherOperatingIncome contextRef="c-10" decimals="-6" id="f-203" unitRef="usd">9000000</us-gaap:NoninterestIncomeOtherOperatingIncome>
    <us-gaap:NoninterestIncome contextRef="c-1" decimals="-6" id="f-204" unitRef="usd">2687000000</us-gaap:NoninterestIncome>
    <us-gaap:NoninterestIncome contextRef="c-9" decimals="-6" id="f-205" unitRef="usd">247000000</us-gaap:NoninterestIncome>
    <us-gaap:NoninterestIncome contextRef="c-10" decimals="-6" id="f-206" unitRef="usd">61000000</us-gaap:NoninterestIncome>
    <us-gaap:LaborAndRelatedExpense contextRef="c-1" decimals="-6" id="f-207" unitRef="usd">1149000000</us-gaap:LaborAndRelatedExpense>
    <us-gaap:LaborAndRelatedExpense contextRef="c-9" decimals="-6" id="f-208" unitRef="usd">354000000</us-gaap:LaborAndRelatedExpense>
    <us-gaap:LaborAndRelatedExpense contextRef="c-10" decimals="-6" id="f-209" unitRef="usd">303000000</us-gaap:LaborAndRelatedExpense>
    <us-gaap:OccupancyNet contextRef="c-1" decimals="-6" id="f-210" unitRef="usd">200000000</us-gaap:OccupancyNet>
    <us-gaap:OccupancyNet contextRef="c-9" decimals="-6" id="f-211" unitRef="usd">92000000</us-gaap:OccupancyNet>
    <us-gaap:OccupancyNet contextRef="c-10" decimals="-6" id="f-212" unitRef="usd">88000000</us-gaap:OccupancyNet>
    <us-gaap:GeneralAndAdministrativeExpense contextRef="c-1" decimals="-6" id="f-213" unitRef="usd">750000000</us-gaap:GeneralAndAdministrativeExpense>
    <us-gaap:GeneralAndAdministrativeExpense contextRef="c-9" decimals="-6" id="f-214" unitRef="usd">158000000</us-gaap:GeneralAndAdministrativeExpense>
    <us-gaap:GeneralAndAdministrativeExpense contextRef="c-10" decimals="-6" id="f-215" unitRef="usd">127000000</us-gaap:GeneralAndAdministrativeExpense>
    <us-gaap:OperatingCostsAndExpenses contextRef="c-1" decimals="-6" id="f-216" unitRef="usd">2099000000</us-gaap:OperatingCostsAndExpenses>
    <us-gaap:OperatingCostsAndExpenses contextRef="c-9" decimals="-6" id="f-217" unitRef="usd">604000000</us-gaap:OperatingCostsAndExpenses>
    <us-gaap:OperatingCostsAndExpenses contextRef="c-10" decimals="-6" id="f-218" unitRef="usd">518000000</us-gaap:OperatingCostsAndExpenses>
    <us-gaap:AmortizationOfIntangibleAssets contextRef="c-1" decimals="-6" id="f-219" unitRef="usd">126000000</us-gaap:AmortizationOfIntangibleAssets>
    <us-gaap:AmortizationOfIntangibleAssets contextRef="c-9" decimals="-6" id="f-220" unitRef="usd">5000000</us-gaap:AmortizationOfIntangibleAssets>
    <us-gaap:AmortizationOfIntangibleAssets contextRef="c-10" decimals="-6" id="f-221" unitRef="usd">0</us-gaap:AmortizationOfIntangibleAssets>
    <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c-1" decimals="-6" id="f-222" unitRef="usd">330000000</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
    <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c-9" decimals="-6" id="f-223" unitRef="usd">75000000</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
    <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c-10" decimals="-6" id="f-224" unitRef="usd">23000000</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
    <us-gaap:GoodwillImpairmentLoss contextRef="c-1" decimals="-6" id="f-225" unitRef="usd">2426000000</us-gaap:GoodwillImpairmentLoss>
    <us-gaap:GoodwillImpairmentLoss contextRef="c-9" decimals="-6" id="f-226" unitRef="usd">0</us-gaap:GoodwillImpairmentLoss>
    <us-gaap:GoodwillImpairmentLoss contextRef="c-10" decimals="-6" id="f-227" unitRef="usd">0</us-gaap:GoodwillImpairmentLoss>
    <us-gaap:NoninterestExpense contextRef="c-1" decimals="-6" id="f-228" unitRef="usd">4981000000</us-gaap:NoninterestExpense>
    <us-gaap:NoninterestExpense contextRef="c-9" decimals="-6" id="f-229" unitRef="usd">684000000</us-gaap:NoninterestExpense>
    <us-gaap:NoninterestExpense contextRef="c-10" decimals="-6" id="f-230" unitRef="usd">541000000</us-gaap:NoninterestExpense>
    <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="c-1" decimals="-6" id="f-231" unitRef="usd">-50000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
    <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="c-9" decimals="-6" id="f-232" unitRef="usd">826000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
    <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="c-10" decimals="-6" id="f-233" unitRef="usd">806000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-234" unitRef="usd">29000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-235" unitRef="usd">176000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-236" unitRef="usd">210000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:NetIncomeLoss contextRef="c-1" decimals="-6" id="f-237" unitRef="usd">-79000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-9" decimals="-6" id="f-238" unitRef="usd">650000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-10" decimals="-6" id="f-239" unitRef="usd">596000000</us-gaap:NetIncomeLoss>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-1" decimals="-6" id="f-240" unitRef="usd">33000000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-9" decimals="-6" id="f-241" unitRef="usd">33000000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:PreferredStockDividendsIncomeStatementImpact contextRef="c-10" decimals="-6" id="f-242" unitRef="usd">33000000</us-gaap:PreferredStockDividendsIncomeStatementImpact>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-1" decimals="-6" id="f-243" unitRef="usd">-112000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-9" decimals="-6" id="f-244" unitRef="usd">617000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-10" decimals="-6" id="f-245" unitRef="usd">563000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-1"
      decimals="2"
      id="f-246"
      unitRef="usdPerShare">-0.16</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-9"
      decimals="2"
      id="f-247"
      unitRef="usdPerShare">1.26</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-10"
      decimals="2"
      id="f-248"
      unitRef="usdPerShare">1.20</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-1"
      decimals="2"
      id="f-249"
      unitRef="usdPerShare">-0.16</us-gaap:EarningsPerShareDiluted>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-9"
      decimals="2"
      id="f-250"
      unitRef="usdPerShare">1.26</us-gaap:EarningsPerShareDiluted>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-10"
      decimals="2"
      id="f-251"
      unitRef="usdPerShare">1.20</us-gaap:EarningsPerShareDiluted>
    <us-gaap:NetIncomeLoss contextRef="c-1" decimals="-6" id="f-252" unitRef="usd">-79000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-9" decimals="-6" id="f-253" unitRef="usd">650000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-10" decimals="-6" id="f-254" unitRef="usd">596000000</us-gaap:NetIncomeLoss>
    <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax contextRef="c-1" decimals="-6" id="f-255" unitRef="usd">-15000000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
    <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax contextRef="c-9" decimals="-6" id="f-256" unitRef="usd">223000000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
    <us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax contextRef="c-10" decimals="-6" id="f-257" unitRef="usd">42000000</us-gaap:OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax>
    <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax contextRef="c-1" decimals="-6" id="f-258" unitRef="usd">45000000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax>
    <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax contextRef="c-9" decimals="-6" id="f-259" unitRef="usd">-581000000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax>
    <us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax contextRef="c-10" decimals="-6" id="f-260" unitRef="usd">-112000000</us-gaap:OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax contextRef="c-1" decimals="-6" id="f-261" unitRef="usd">-5000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax contextRef="c-9" decimals="-6" id="f-262" unitRef="usd">6000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax contextRef="c-10" decimals="-6" id="f-263" unitRef="usd">-8000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansBeforeReclassificationAdjustmentsTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax contextRef="c-1" decimals="-6" id="f-264" unitRef="usd">-12000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax contextRef="c-9" decimals="-6" id="f-265" unitRef="usd">17000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax contextRef="c-10" decimals="-6" id="f-266" unitRef="usd">-23000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansAdjustmentBeforeReclassificationAdjustmentsNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax contextRef="c-1" decimals="-6" id="f-267" unitRef="usd">-3000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax contextRef="c-9" decimals="-6" id="f-268" unitRef="usd">-24000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax contextRef="c-10" decimals="-6" id="f-269" unitRef="usd">-2000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent contextRef="c-1" decimals="-6" id="f-270" unitRef="usd">6000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent contextRef="c-9" decimals="-6" id="f-271" unitRef="usd">64000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent contextRef="c-10" decimals="-6" id="f-272" unitRef="usd">6000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax contextRef="c-1" decimals="-6" id="f-273" unitRef="usd">-1000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax contextRef="c-9" decimals="-6" id="f-274" unitRef="usd">0</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax contextRef="c-10" decimals="-6" id="f-275" unitRef="usd">-2000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax contextRef="c-1" decimals="-6" id="f-276" unitRef="usd">-6000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax contextRef="c-9" decimals="-6" id="f-277" unitRef="usd">-2000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax contextRef="c-10" decimals="-6" id="f-278" unitRef="usd">-5000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossNetOfTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax contextRef="c-1" decimals="-6" id="f-279" unitRef="usd">17000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax contextRef="c-9" decimals="-6" id="f-280" unitRef="usd">1000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax contextRef="c-10" decimals="-6" id="f-281" unitRef="usd">-7000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax contextRef="c-1" decimals="-6" id="f-282" unitRef="usd">48000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax contextRef="c-9" decimals="-6" id="f-283" unitRef="usd">3000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax contextRef="c-10" decimals="-6" id="f-284" unitRef="usd">-18000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationAfterTax>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent contextRef="c-1" decimals="-6" id="f-285" unitRef="usd">21000000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent contextRef="c-9" decimals="-6" id="f-286" unitRef="usd">-535000000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent contextRef="c-10" decimals="-6" id="f-287" unitRef="usd">-60000000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
    <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c-1" decimals="-6" id="f-288" unitRef="usd">-58000000</us-gaap:ComprehensiveIncomeNetOfTax>
    <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c-9" decimals="-6" id="f-289" unitRef="usd">115000000</us-gaap:ComprehensiveIncomeNetOfTax>
    <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c-10" decimals="-6" id="f-290" unitRef="usd">536000000</us-gaap:ComprehensiveIncomeNetOfTax>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-8"
      decimals="INF"
      id="f-291"
      unitRef="usdPerShare">0.01</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-7"
      decimals="INF"
      id="f-292"
      unitRef="usdPerShare">0.01</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-7"
      decimals="INF"
      id="f-293"
      unitRef="usdPerShare">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-8"
      decimals="INF"
      id="f-294"
      unitRef="usdPerShare">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:SharesOutstanding contextRef="c-8" decimals="INF" id="f-295" unitRef="shares">681217334</us-gaap:SharesOutstanding>
    <us-gaap:StockholdersEquity contextRef="c-12" decimals="-6" id="f-296" unitRef="usd">503000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-13" decimals="-6" id="f-297" unitRef="usd">7000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-14" decimals="-6" id="f-298" unitRef="usd">8130000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-15" decimals="-6" id="f-299" unitRef="usd">1041000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-16" decimals="-6" id="f-300" unitRef="usd">-237000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-17" decimals="-6" id="f-301" unitRef="usd">-620000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-8" decimals="-6" id="f-302" unitRef="usd">8824000000</us-gaap:StockholdersEquity>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues contextRef="c-1" decimals="0" id="f-303" unitRef="shares">39032006</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-18" decimals="-6" id="f-304" unitRef="usd">0</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-19" decimals="-6" id="f-305" unitRef="usd">85000000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-1" decimals="-6" id="f-306" unitRef="usd">85000000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures contextRef="c-1" decimals="0" id="f-307" unitRef="shares">3074565</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures>
    <us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures contextRef="c-19" decimals="-6" id="f-308" unitRef="usd">-31000000</us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures>
    <us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures contextRef="c-20" decimals="-6" id="f-309" unitRef="usd">31000000</us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures>
    <us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures contextRef="c-1" decimals="-6" id="f-310" unitRef="usd">0</us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-19" decimals="-6" id="f-311" unitRef="usd">47000000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-1" decimals="-6" id="f-312" unitRef="usd">47000000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:NetIncomeLoss contextRef="c-21" decimals="-6" id="f-313" unitRef="usd">-79000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-1" decimals="-6" id="f-314" unitRef="usd">-79000000</us-gaap:NetIncomeLoss>
    <us-gaap:CommonStockDividendsPerShareCashPaid
      contextRef="c-1"
      decimals="2"
      id="f-315"
      unitRef="usdPerShare">0.56</us-gaap:CommonStockDividendsPerShareCashPaid>
    <us-gaap:DividendsCommonStock contextRef="c-21" decimals="-6" id="f-316" unitRef="usd">486000000</us-gaap:DividendsCommonStock>
    <us-gaap:DividendsCommonStock contextRef="c-1" decimals="-6" id="f-317" unitRef="usd">486000000</us-gaap:DividendsCommonStock>
    <us-gaap:PreferredStockDividendsPerShareCashPaid
      contextRef="c-1"
      decimals="2"
      id="f-318"
      unitRef="usdPerShare">63.76</us-gaap:PreferredStockDividendsPerShareCashPaid>
    <us-gaap:DividendsPreferredStock contextRef="c-21" decimals="-6" id="f-319" unitRef="usd">33000000</us-gaap:DividendsPreferredStock>
    <us-gaap:DividendsPreferredStock contextRef="c-1" decimals="-6" id="f-320" unitRef="usd">33000000</us-gaap:DividendsPreferredStock>
    <us-gaap:StockRepurchasedDuringPeriodShares contextRef="c-1" decimals="0" id="f-321" unitRef="shares">1257535</us-gaap:StockRepurchasedDuringPeriodShares>
    <us-gaap:StockRepurchasedDuringPeriodValue contextRef="c-20" decimals="-6" id="f-322" unitRef="usd">12000000</us-gaap:StockRepurchasedDuringPeriodValue>
    <us-gaap:StockRepurchasedDuringPeriodValue contextRef="c-1" decimals="-6" id="f-323" unitRef="usd">12000000</us-gaap:StockRepurchasedDuringPeriodValue>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent contextRef="c-1" decimals="-6" id="f-324" unitRef="usd">21000000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent contextRef="c-1" decimals="-6" id="f-325" unitRef="usd">21000000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
    <us-gaap:SharesOutstanding contextRef="c-7" decimals="INF" id="f-326" unitRef="shares">722066370</us-gaap:SharesOutstanding>
    <us-gaap:StockholdersEquity contextRef="c-22" decimals="-6" id="f-327" unitRef="usd">503000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-23" decimals="-6" id="f-328" unitRef="usd">7000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-24" decimals="-6" id="f-329" unitRef="usd">8231000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-25" decimals="-6" id="f-330" unitRef="usd">443000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-26" decimals="-6" id="f-331" unitRef="usd">-218000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-27" decimals="-6" id="f-332" unitRef="usd">-599000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-7" decimals="-6" id="f-333" unitRef="usd">8367000000</us-gaap:StockholdersEquity>
    <us-gaap:SharesOutstanding
      contextRef="c-28"
      decimals="INF"
      id="f-334"
      unitRef="shares">465015643</us-gaap:SharesOutstanding>
    <us-gaap:StockholdersEquity contextRef="c-29" decimals="-6" id="f-335" unitRef="usd">503000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-30" decimals="-6" id="f-336" unitRef="usd">5000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-31" decimals="-6" id="f-337" unitRef="usd">6126000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-32" decimals="-6" id="f-338" unitRef="usd">741000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-33" decimals="-6" id="f-339" unitRef="usd">-246000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-34" decimals="-6" id="f-340" unitRef="usd">-85000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-28" decimals="-6" id="f-341" unitRef="usd">7044000000</us-gaap:StockholdersEquity>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues contextRef="c-9" decimals="0" id="f-342" unitRef="shares">214990316</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-35" decimals="-6" id="f-343" unitRef="usd">2000000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-36" decimals="-6" id="f-344" unitRef="usd">2008000000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodValueNewIssues contextRef="c-9" decimals="-6" id="f-345" unitRef="usd">2010000000</us-gaap:StockIssuedDuringPeriodValueNewIssues>
    <us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures contextRef="c-9" decimals="0" id="f-346" unitRef="shares">3548310</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures>
    <us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures contextRef="c-36" decimals="-6" id="f-347" unitRef="usd">-33000000</us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures>
    <us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures contextRef="c-37" decimals="-6" id="f-348" unitRef="usd">33000000</us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures>
    <us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures contextRef="c-9" decimals="-6" id="f-349" unitRef="usd">0</us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-36" decimals="-6" id="f-350" unitRef="usd">29000000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-9" decimals="-6" id="f-351" unitRef="usd">29000000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:NetIncomeLoss contextRef="c-38" decimals="-6" id="f-352" unitRef="usd">650000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-9" decimals="-6" id="f-353" unitRef="usd">650000000</us-gaap:NetIncomeLoss>
    <us-gaap:CommonStockDividendsPerShareCashPaid
      contextRef="c-9"
      decimals="2"
      id="f-354"
      unitRef="usdPerShare">0.68</us-gaap:CommonStockDividendsPerShareCashPaid>
    <us-gaap:DividendsCommonStock contextRef="c-38" decimals="-6" id="f-355" unitRef="usd">317000000</us-gaap:DividendsCommonStock>
    <us-gaap:DividendsCommonStock contextRef="c-9" decimals="-6" id="f-356" unitRef="usd">317000000</us-gaap:DividendsCommonStock>
    <us-gaap:PreferredStockDividendsPerShareCashPaid
      contextRef="c-9"
      decimals="2"
      id="f-357"
      unitRef="usdPerShare">63.76</us-gaap:PreferredStockDividendsPerShareCashPaid>
    <us-gaap:DividendsPreferredStock contextRef="c-38" decimals="-6" id="f-358" unitRef="usd">33000000</us-gaap:DividendsPreferredStock>
    <us-gaap:DividendsPreferredStock contextRef="c-9" decimals="-6" id="f-359" unitRef="usd">33000000</us-gaap:DividendsPreferredStock>
    <us-gaap:StockRepurchasedDuringPeriodShares contextRef="c-9" decimals="0" id="f-360" unitRef="shares">2336935</us-gaap:StockRepurchasedDuringPeriodShares>
    <us-gaap:StockRepurchasedDuringPeriodValue contextRef="c-37" decimals="-6" id="f-361" unitRef="usd">24000000</us-gaap:StockRepurchasedDuringPeriodValue>
    <us-gaap:StockRepurchasedDuringPeriodValue contextRef="c-9" decimals="-6" id="f-362" unitRef="usd">24000000</us-gaap:StockRepurchasedDuringPeriodValue>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent contextRef="c-9" decimals="-6" id="f-363" unitRef="usd">-535000000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent contextRef="c-9" decimals="-6" id="f-364" unitRef="usd">-535000000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
    <us-gaap:SharesOutstanding contextRef="c-8" decimals="INF" id="f-365" unitRef="shares">681217334</us-gaap:SharesOutstanding>
    <us-gaap:StockholdersEquity contextRef="c-12" decimals="-6" id="f-366" unitRef="usd">503000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-13" decimals="-6" id="f-367" unitRef="usd">7000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-14" decimals="-6" id="f-368" unitRef="usd">8130000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-15" decimals="-6" id="f-369" unitRef="usd">1041000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-16" decimals="-6" id="f-370" unitRef="usd">-237000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-17" decimals="-6" id="f-371" unitRef="usd">-620000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-8" decimals="-6" id="f-372" unitRef="usd">8824000000</us-gaap:StockholdersEquity>
    <us-gaap:SharesOutstanding
      contextRef="c-39"
      decimals="INF"
      id="f-373"
      unitRef="shares">463901808</us-gaap:SharesOutstanding>
    <us-gaap:StockholdersEquity contextRef="c-40" decimals="-6" id="f-374" unitRef="usd">503000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-41" decimals="-6" id="f-375" unitRef="usd">5000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-42" decimals="-6" id="f-376" unitRef="usd">6123000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-43" decimals="-6" id="f-377" unitRef="usd">494000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-44" decimals="-6" id="f-378" unitRef="usd">-258000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-45" decimals="-6" id="f-379" unitRef="usd">-25000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-39" decimals="-6" id="f-380" unitRef="usd">6842000000</us-gaap:StockholdersEquity>
    <us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures contextRef="c-10" decimals="0" id="f-381" unitRef="shares">2515942</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures>
    <us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures contextRef="c-46" decimals="-6" id="f-382" unitRef="usd">-28000000</us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures>
    <us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures contextRef="c-47" decimals="-6" id="f-383" unitRef="usd">28000000</us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures>
    <us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures contextRef="c-10" decimals="-6" id="f-384" unitRef="usd">0</us-gaap:StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-46" decimals="-6" id="f-385" unitRef="usd">31000000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="c-10" decimals="-6" id="f-386" unitRef="usd">31000000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
    <us-gaap:NetIncomeLoss contextRef="c-48" decimals="-6" id="f-387" unitRef="usd">596000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-10" decimals="-6" id="f-388" unitRef="usd">596000000</us-gaap:NetIncomeLoss>
    <us-gaap:CommonStockDividendsPerShareCashPaid
      contextRef="c-10"
      decimals="2"
      id="f-389"
      unitRef="usdPerShare">0.68</us-gaap:CommonStockDividendsPerShareCashPaid>
    <us-gaap:DividendsCommonStock contextRef="c-48" decimals="-6" id="f-390" unitRef="usd">316000000</us-gaap:DividendsCommonStock>
    <us-gaap:DividendsCommonStock contextRef="c-10" decimals="-6" id="f-391" unitRef="usd">316000000</us-gaap:DividendsCommonStock>
    <us-gaap:PreferredStockDividendsPerShareCashPaid
      contextRef="c-10"
      decimals="2"
      id="f-392"
      unitRef="usdPerShare">63.76</us-gaap:PreferredStockDividendsPerShareCashPaid>
    <us-gaap:DividendsPreferredStock contextRef="c-48" decimals="-6" id="f-393" unitRef="usd">33000000</us-gaap:DividendsPreferredStock>
    <us-gaap:DividendsPreferredStock contextRef="c-10" decimals="-6" id="f-394" unitRef="usd">33000000</us-gaap:DividendsPreferredStock>
    <us-gaap:StockRepurchasedDuringPeriodShares contextRef="c-10" decimals="0" id="f-395" unitRef="shares">1402107</us-gaap:StockRepurchasedDuringPeriodShares>
    <us-gaap:StockRepurchasedDuringPeriodValue contextRef="c-47" decimals="-6" id="f-396" unitRef="usd">16000000</us-gaap:StockRepurchasedDuringPeriodValue>
    <us-gaap:StockRepurchasedDuringPeriodValue contextRef="c-10" decimals="-6" id="f-397" unitRef="usd">16000000</us-gaap:StockRepurchasedDuringPeriodValue>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent contextRef="c-10" decimals="-6" id="f-398" unitRef="usd">-60000000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent contextRef="c-10" decimals="-6" id="f-399" unitRef="usd">-60000000</us-gaap:OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent>
    <us-gaap:SharesOutstanding
      contextRef="c-28"
      decimals="INF"
      id="f-400"
      unitRef="shares">465015643</us-gaap:SharesOutstanding>
    <us-gaap:StockholdersEquity contextRef="c-29" decimals="-6" id="f-401" unitRef="usd">503000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-30" decimals="-6" id="f-402" unitRef="usd">5000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-31" decimals="-6" id="f-403" unitRef="usd">6126000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-32" decimals="-6" id="f-404" unitRef="usd">741000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-33" decimals="-6" id="f-405" unitRef="usd">-246000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-34" decimals="-6" id="f-406" unitRef="usd">-85000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-28" decimals="-6" id="f-407" unitRef="usd">7044000000</us-gaap:StockholdersEquity>
    <us-gaap:NetIncomeLoss contextRef="c-1" decimals="-6" id="f-408" unitRef="usd">-79000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-9" decimals="-6" id="f-409" unitRef="usd">650000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-10" decimals="-6" id="f-410" unitRef="usd">596000000</us-gaap:NetIncomeLoss>
    <us-gaap:ProvisionForLoanLossesExpensed contextRef="c-1" decimals="-6" id="f-411" unitRef="usd">833000000</us-gaap:ProvisionForLoanLossesExpensed>
    <us-gaap:ProvisionForLoanLossesExpensed contextRef="c-9" decimals="-6" id="f-412" unitRef="usd">133000000</us-gaap:ProvisionForLoanLossesExpensed>
    <us-gaap:ProvisionForLoanLossesExpensed contextRef="c-10" decimals="-6" id="f-413" unitRef="usd">3000000</us-gaap:ProvisionForLoanLossesExpensed>
    <us-gaap:AmortizationOfIntangibleAssets contextRef="c-1" decimals="-6" id="f-414" unitRef="usd">126000000</us-gaap:AmortizationOfIntangibleAssets>
    <us-gaap:AmortizationOfIntangibleAssets contextRef="c-9" decimals="-6" id="f-415" unitRef="usd">5000000</us-gaap:AmortizationOfIntangibleAssets>
    <us-gaap:AmortizationOfIntangibleAssets contextRef="c-10" decimals="-6" id="f-416" unitRef="usd">0</us-gaap:AmortizationOfIntangibleAssets>
    <us-gaap:Depreciation contextRef="c-1" decimals="-6" id="f-417" unitRef="usd">39000000</us-gaap:Depreciation>
    <us-gaap:Depreciation contextRef="c-9" decimals="-6" id="f-418" unitRef="usd">18000000</us-gaap:Depreciation>
    <us-gaap:Depreciation contextRef="c-10" decimals="-6" id="f-419" unitRef="usd">21000000</us-gaap:Depreciation>
    <us-gaap:AmortizationOfDebtDiscountPremium contextRef="c-1" decimals="-6" id="f-420" unitRef="usd">221000000</us-gaap:AmortizationOfDebtDiscountPremium>
    <us-gaap:AmortizationOfDebtDiscountPremium contextRef="c-9" decimals="-6" id="f-421" unitRef="usd">-37000000</us-gaap:AmortizationOfDebtDiscountPremium>
    <us-gaap:AmortizationOfDebtDiscountPremium contextRef="c-10" decimals="-6" id="f-422" unitRef="usd">-5000000</us-gaap:AmortizationOfDebtDiscountPremium>
    <us-gaap:EquitySecuritiesFvNiGainLoss contextRef="c-1" decimals="-6" id="f-423" unitRef="usd">-1000000</us-gaap:EquitySecuritiesFvNiGainLoss>
    <us-gaap:EquitySecuritiesFvNiGainLoss contextRef="c-9" decimals="-6" id="f-424" unitRef="usd">-2000000</us-gaap:EquitySecuritiesFvNiGainLoss>
    <us-gaap:EquitySecuritiesFvNiGainLoss contextRef="c-10" decimals="-6" id="f-425" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiGainLoss>
    <us-gaap:GainLossOnSaleOfNotesReceivable contextRef="c-1" decimals="-6" id="f-426" unitRef="usd">89000000</us-gaap:GainLossOnSaleOfNotesReceivable>
    <us-gaap:GainLossOnSaleOfNotesReceivable contextRef="c-9" decimals="-6" id="f-427" unitRef="usd">5000000</us-gaap:GainLossOnSaleOfNotesReceivable>
    <us-gaap:GainLossOnSaleOfNotesReceivable contextRef="c-10" decimals="-6" id="f-428" unitRef="usd">1000000</us-gaap:GainLossOnSaleOfNotesReceivable>
    <us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="c-1" decimals="-6" id="f-429" unitRef="usd">0</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
    <us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="c-9" decimals="-6" id="f-430" unitRef="usd">2000000</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
    <us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="c-10" decimals="-6" id="f-431" unitRef="usd">0</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-1" decimals="-6" id="f-432" unitRef="usd">2131000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-9" decimals="-6" id="f-433" unitRef="usd">159000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-10" decimals="-6" id="f-434" unitRef="usd">0</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:GoodwillImpairmentLoss contextRef="c-1" decimals="-6" id="f-435" unitRef="usd">2426000000</us-gaap:GoodwillImpairmentLoss>
    <us-gaap:GoodwillImpairmentLoss contextRef="c-9" decimals="-6" id="f-436" unitRef="usd">0</us-gaap:GoodwillImpairmentLoss>
    <us-gaap:GoodwillImpairmentLoss contextRef="c-10" decimals="-6" id="f-437" unitRef="usd">0</us-gaap:GoodwillImpairmentLoss>
    <us-gaap:ShareBasedCompensation contextRef="c-1" decimals="-6" id="f-438" unitRef="usd">47000000</us-gaap:ShareBasedCompensation>
    <us-gaap:ShareBasedCompensation contextRef="c-9" decimals="-6" id="f-439" unitRef="usd">29000000</us-gaap:ShareBasedCompensation>
    <us-gaap:ShareBasedCompensation contextRef="c-10" decimals="-6" id="f-440" unitRef="usd">31000000</us-gaap:ShareBasedCompensation>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-441" unitRef="usd">-187000000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-442" unitRef="usd">-3000000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-443" unitRef="usd">-13000000</us-gaap:DeferredIncomeTaxExpenseBenefit>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-1" decimals="-6" id="f-444" unitRef="usd">721000000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-9" decimals="-6" id="f-445" unitRef="usd">-348000000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-10" decimals="-6" id="f-446" unitRef="usd">284000000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-1" decimals="-6" id="f-447" unitRef="usd">-255000000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-9" decimals="-6" id="f-448" unitRef="usd">-100000000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-10" decimals="-6" id="f-449" unitRef="usd">-6000000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <fbc:IncreaseInDebtSecuritiesTrading contextRef="c-1" decimals="-6" id="f-450" unitRef="usd">10000000</fbc:IncreaseInDebtSecuritiesTrading>
    <fbc:IncreaseInDebtSecuritiesTrading contextRef="c-9" decimals="-6" id="f-451" unitRef="usd">75000000</fbc:IncreaseInDebtSecuritiesTrading>
    <fbc:IncreaseInDebtSecuritiesTrading contextRef="c-10" decimals="-6" id="f-452" unitRef="usd">110000000</fbc:IncreaseInDebtSecuritiesTrading>
    <fbc:DecreaseInDebtSecuritiesTrading contextRef="c-1" decimals="-6" id="f-453" unitRef="usd">10000000</fbc:DecreaseInDebtSecuritiesTrading>
    <fbc:DecreaseInDebtSecuritiesTrading contextRef="c-9" decimals="-6" id="f-454" unitRef="usd">75000000</fbc:DecreaseInDebtSecuritiesTrading>
    <fbc:DecreaseInDebtSecuritiesTrading contextRef="c-10" decimals="-6" id="f-455" unitRef="usd">110000000</fbc:DecreaseInDebtSecuritiesTrading>
    <us-gaap:IncreaseDecreaseInLoansHeldForSale contextRef="c-1" decimals="-6" id="f-456" unitRef="usd">-32000000</us-gaap:IncreaseDecreaseInLoansHeldForSale>
    <us-gaap:IncreaseDecreaseInLoansHeldForSale contextRef="c-9" decimals="-6" id="f-457" unitRef="usd">-147000000</us-gaap:IncreaseDecreaseInLoansHeldForSale>
    <us-gaap:IncreaseDecreaseInLoansHeldForSale contextRef="c-10" decimals="-6" id="f-458" unitRef="usd">52000000</us-gaap:IncreaseDecreaseInLoansHeldForSale>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-1" decimals="-6" id="f-459" unitRef="usd">263000000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-9" decimals="-6" id="f-460" unitRef="usd">1026000000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-10" decimals="-6" id="f-461" unitRef="usd">290000000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="c-1" decimals="-6" id="f-462" unitRef="usd">1402000000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
    <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="c-9" decimals="-6" id="f-463" unitRef="usd">732000000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
    <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="c-10" decimals="-6" id="f-464" unitRef="usd">1728000000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
    <fbc:ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans contextRef="c-1" decimals="-6" id="f-465" unitRef="usd">1858000000</fbc:ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans>
    <fbc:ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans contextRef="c-9" decimals="-6" id="f-466" unitRef="usd">228000000</fbc:ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans>
    <fbc:ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans contextRef="c-10" decimals="-6" id="f-467" unitRef="usd">0</fbc:ProceedsFromSaleOfDebtSecuritiesAvailableForSaleAndSecuritizedLoans>
    <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt contextRef="c-1" decimals="-6" id="f-468" unitRef="usd">3046000000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
    <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt contextRef="c-9" decimals="-6" id="f-469" unitRef="usd">2242000000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
    <us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt contextRef="c-10" decimals="-6" id="f-470" unitRef="usd">1796000000</us-gaap:PaymentsToAcquireAvailableForSaleSecuritiesDebt>
    <us-gaap:ProceedsFromSaleOfFederalHomeLoanBankStock contextRef="c-1" decimals="-6" id="f-471" unitRef="usd">1501000000</us-gaap:ProceedsFromSaleOfFederalHomeLoanBankStock>
    <us-gaap:ProceedsFromSaleOfFederalHomeLoanBankStock contextRef="c-9" decimals="-6" id="f-472" unitRef="usd">635000000</us-gaap:ProceedsFromSaleOfFederalHomeLoanBankStock>
    <us-gaap:ProceedsFromSaleOfFederalHomeLoanBankStock contextRef="c-10" decimals="-6" id="f-473" unitRef="usd">92000000</us-gaap:ProceedsFromSaleOfFederalHomeLoanBankStock>
    <us-gaap:PaymentsToAcquireFederalHomeLoanBankStock contextRef="c-1" decimals="-6" id="f-474" unitRef="usd">1626000000</us-gaap:PaymentsToAcquireFederalHomeLoanBankStock>
    <us-gaap:PaymentsToAcquireFederalHomeLoanBankStock contextRef="c-9" decimals="-6" id="f-475" unitRef="usd">839000000</us-gaap:PaymentsToAcquireFederalHomeLoanBankStock>
    <us-gaap:PaymentsToAcquireFederalHomeLoanBankStock contextRef="c-10" decimals="-6" id="f-476" unitRef="usd">112000000</us-gaap:PaymentsToAcquireFederalHomeLoanBankStock>
    <us-gaap:ProceedsFromLifeInsurancePolicies contextRef="c-1" decimals="-6" id="f-477" unitRef="usd">30000000</us-gaap:ProceedsFromLifeInsurancePolicies>
    <us-gaap:ProceedsFromLifeInsurancePolicies contextRef="c-9" decimals="-6" id="f-478" unitRef="usd">16000000</us-gaap:ProceedsFromLifeInsurancePolicies>
    <us-gaap:ProceedsFromLifeInsurancePolicies contextRef="c-10" decimals="-6" id="f-479" unitRef="usd">12000000</us-gaap:ProceedsFromLifeInsurancePolicies>
    <us-gaap:ProceedsFromSaleOfFinanceReceivables contextRef="c-1" decimals="-6" id="f-480" unitRef="usd">0</us-gaap:ProceedsFromSaleOfFinanceReceivables>
    <us-gaap:ProceedsFromSaleOfFinanceReceivables contextRef="c-9" decimals="-6" id="f-481" unitRef="usd">0</us-gaap:ProceedsFromSaleOfFinanceReceivables>
    <us-gaap:ProceedsFromSaleOfFinanceReceivables contextRef="c-10" decimals="-6" id="f-482" unitRef="usd">37000000</us-gaap:ProceedsFromSaleOfFinanceReceivables>
    <us-gaap:PaymentsToAcquireFinanceReceivables contextRef="c-1" decimals="-6" id="f-483" unitRef="usd">0</us-gaap:PaymentsToAcquireFinanceReceivables>
    <us-gaap:PaymentsToAcquireFinanceReceivables contextRef="c-9" decimals="-6" id="f-484" unitRef="usd">162000000</us-gaap:PaymentsToAcquireFinanceReceivables>
    <us-gaap:PaymentsToAcquireFinanceReceivables contextRef="c-10" decimals="-6" id="f-485" unitRef="usd">161000000</us-gaap:PaymentsToAcquireFinanceReceivables>
    <us-gaap:ProceedsFromSaleOfMortgageServicingRightsMSR contextRef="c-1" decimals="-6" id="f-486" unitRef="usd">50000000</us-gaap:ProceedsFromSaleOfMortgageServicingRightsMSR>
    <us-gaap:ProceedsFromSaleOfMortgageServicingRightsMSR contextRef="c-9" decimals="-6" id="f-487" unitRef="usd">0</us-gaap:ProceedsFromSaleOfMortgageServicingRightsMSR>
    <us-gaap:ProceedsFromSaleOfMortgageServicingRightsMSR contextRef="c-10" decimals="-6" id="f-488" unitRef="usd">0</us-gaap:ProceedsFromSaleOfMortgageServicingRightsMSR>
    <fbc:PaymentsForProceedsFromOtherChangesInFinancingReceivables contextRef="c-1" decimals="-6" id="f-489" unitRef="usd">4331000000</fbc:PaymentsForProceedsFromOtherChangesInFinancingReceivables>
    <fbc:PaymentsForProceedsFromOtherChangesInFinancingReceivables contextRef="c-9" decimals="-6" id="f-490" unitRef="usd">5019000000</fbc:PaymentsForProceedsFromOtherChangesInFinancingReceivables>
    <fbc:PaymentsForProceedsFromOtherChangesInFinancingReceivables contextRef="c-10" decimals="-6" id="f-491" unitRef="usd">2558000000</fbc:PaymentsForProceedsFromOtherChangesInFinancingReceivables>
    <fbc:ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment contextRef="c-1" decimals="-6" id="f-492" unitRef="usd">-66000000</fbc:ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment>
    <fbc:ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment contextRef="c-9" decimals="-6" id="f-493" unitRef="usd">-3000000</fbc:ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment>
    <fbc:ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment contextRef="c-10" decimals="-6" id="f-494" unitRef="usd">-4000000</fbc:ProceedsFromSalePaymentsToAcquirePropertyPlantAndEquipment>
    <us-gaap:CashAcquiredFromAcquisition contextRef="c-1" decimals="-6" id="f-495" unitRef="usd">24901000000</us-gaap:CashAcquiredFromAcquisition>
    <us-gaap:CashAcquiredFromAcquisition contextRef="c-9" decimals="-6" id="f-496" unitRef="usd">331000000</us-gaap:CashAcquiredFromAcquisition>
    <us-gaap:CashAcquiredFromAcquisition contextRef="c-10" decimals="-6" id="f-497" unitRef="usd">0</us-gaap:CashAcquiredFromAcquisition>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-1" decimals="-6" id="f-498" unitRef="usd">20673000000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-9" decimals="-6" id="f-499" unitRef="usd">-6323000000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-10" decimals="-6" id="f-500" unitRef="usd">-2762000000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:IncreaseDecreaseInDeposits contextRef="c-1" decimals="-6" id="f-501" unitRef="usd">-10738000000</us-gaap:IncreaseDecreaseInDeposits>
    <us-gaap:IncreaseDecreaseInDeposits contextRef="c-9" decimals="-6" id="f-502" unitRef="usd">7662000000</us-gaap:IncreaseDecreaseInDeposits>
    <us-gaap:IncreaseDecreaseInDeposits contextRef="c-10" decimals="-6" id="f-503" unitRef="usd">2622000000</us-gaap:IncreaseDecreaseInDeposits>
    <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="c-1" decimals="-6" id="f-504" unitRef="usd">-550000000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
    <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="c-9" decimals="-6" id="f-505" unitRef="usd">2550000000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
    <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="c-10" decimals="-6" id="f-506" unitRef="usd">950000000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
    <us-gaap:ProceedsFromIssuanceOfLongTermDebt contextRef="c-1" decimals="-6" id="f-507" unitRef="usd">19850000000</us-gaap:ProceedsFromIssuanceOfLongTermDebt>
    <us-gaap:ProceedsFromIssuanceOfLongTermDebt contextRef="c-9" decimals="-6" id="f-508" unitRef="usd">9479000000</us-gaap:ProceedsFromIssuanceOfLongTermDebt>
    <us-gaap:ProceedsFromIssuanceOfLongTermDebt contextRef="c-10" decimals="-6" id="f-509" unitRef="usd">2072000000</us-gaap:ProceedsFromIssuanceOfLongTermDebt>
    <us-gaap:RepaymentsOfLongTermDebt contextRef="c-1" decimals="-6" id="f-510" unitRef="usd">19374000000</us-gaap:RepaymentsOfLongTermDebt>
    <us-gaap:RepaymentsOfLongTermDebt contextRef="c-9" decimals="-6" id="f-511" unitRef="usd">13960000000</us-gaap:RepaymentsOfLongTermDebt>
    <us-gaap:RepaymentsOfLongTermDebt contextRef="c-10" decimals="-6" id="f-512" unitRef="usd">2544000000</us-gaap:RepaymentsOfLongTermDebt>
    <fbc:NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities contextRef="c-1" decimals="-6" id="f-513" unitRef="usd">66000000</fbc:NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities>
    <fbc:NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities contextRef="c-9" decimals="-6" id="f-514" unitRef="usd">189000000</fbc:NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities>
    <fbc:NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities contextRef="c-10" decimals="-6" id="f-515" unitRef="usd">0</fbc:NetDisbursementOfPaymentsOfLoansServicedForOthersFinancingActivities>
    <us-gaap:PaymentsOfDividendsCommonStock contextRef="c-1" decimals="-6" id="f-516" unitRef="usd">486000000</us-gaap:PaymentsOfDividendsCommonStock>
    <us-gaap:PaymentsOfDividendsCommonStock contextRef="c-9" decimals="-6" id="f-517" unitRef="usd">317000000</us-gaap:PaymentsOfDividendsCommonStock>
    <us-gaap:PaymentsOfDividendsCommonStock contextRef="c-10" decimals="-6" id="f-518" unitRef="usd">316000000</us-gaap:PaymentsOfDividendsCommonStock>
    <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="c-1" decimals="-6" id="f-519" unitRef="usd">33000000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
    <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="c-9" decimals="-6" id="f-520" unitRef="usd">33000000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
    <us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock contextRef="c-10" decimals="-6" id="f-521" unitRef="usd">33000000</us-gaap:PaymentsOfDividendsPreferredStockAndPreferenceStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-1" decimals="-6" id="f-522" unitRef="usd">0</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-9" decimals="-6" id="f-523" unitRef="usd">7000000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-10" decimals="-6" id="f-524" unitRef="usd">0</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsRelatedToTaxWithholdingForShareBasedCompensation contextRef="c-1" decimals="-6" id="f-525" unitRef="usd">12000000</us-gaap:PaymentsRelatedToTaxWithholdingForShareBasedCompensation>
    <us-gaap:PaymentsRelatedToTaxWithholdingForShareBasedCompensation contextRef="c-9" decimals="-6" id="f-526" unitRef="usd">17000000</us-gaap:PaymentsRelatedToTaxWithholdingForShareBasedCompensation>
    <us-gaap:PaymentsRelatedToTaxWithholdingForShareBasedCompensation contextRef="c-10" decimals="-6" id="f-527" unitRef="usd">16000000</us-gaap:PaymentsRelatedToTaxWithholdingForShareBasedCompensation>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-1" decimals="-6" id="f-528" unitRef="usd">-11409000000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-9" decimals="-6" id="f-529" unitRef="usd">5168000000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-10" decimals="-6" id="f-530" unitRef="usd">2735000000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-1" decimals="-6" id="f-531" unitRef="usd">9527000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-9" decimals="-6" id="f-532" unitRef="usd">-129000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-10" decimals="-6" id="f-533" unitRef="usd">263000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-8" decimals="-6" id="f-534" unitRef="usd">2082000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-28" decimals="-6" id="f-535" unitRef="usd">2211000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-39" decimals="-6" id="f-536" unitRef="usd">1948000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-7" decimals="-6" id="f-537" unitRef="usd">11609000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-8" decimals="-6" id="f-538" unitRef="usd">2082000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-28" decimals="-6" id="f-539" unitRef="usd">2211000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:InterestPaidNet contextRef="c-1" decimals="-6" id="f-540" unitRef="usd">2290000000</us-gaap:InterestPaidNet>
    <us-gaap:InterestPaidNet contextRef="c-9" decimals="-6" id="f-541" unitRef="usd">657000000</us-gaap:InterestPaidNet>
    <us-gaap:InterestPaidNet contextRef="c-10" decimals="-6" id="f-542" unitRef="usd">402000000</us-gaap:InterestPaidNet>
    <us-gaap:IncomeTaxesPaid contextRef="c-1" decimals="-6" id="f-543" unitRef="usd">54000000</us-gaap:IncomeTaxesPaid>
    <us-gaap:IncomeTaxesPaid contextRef="c-9" decimals="-6" id="f-544" unitRef="usd">17000000</us-gaap:IncomeTaxesPaid>
    <us-gaap:IncomeTaxesPaid contextRef="c-10" decimals="-6" id="f-545" unitRef="usd">471000000</us-gaap:IncomeTaxesPaid>
    <us-gaap:TransferToOtherRealEstate contextRef="c-1" decimals="-6" id="f-546" unitRef="usd">9000000</us-gaap:TransferToOtherRealEstate>
    <us-gaap:TransferToOtherRealEstate contextRef="c-9" decimals="-6" id="f-547" unitRef="usd">0</us-gaap:TransferToOtherRealEstate>
    <us-gaap:TransferToOtherRealEstate contextRef="c-10" decimals="-6" id="f-548" unitRef="usd">1000000</us-gaap:TransferToOtherRealEstate>
    <fbc:SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale contextRef="c-1" decimals="-6" id="f-549" unitRef="usd">222000000</fbc:SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale>
    <fbc:SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale contextRef="c-9" decimals="-6" id="f-550" unitRef="usd">162000000</fbc:SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale>
    <fbc:SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale contextRef="c-10" decimals="-6" id="f-551" unitRef="usd">161000000</fbc:SecuritizationOfLoansToMortgageBackedSecuritiesAvailableForSale>
    <us-gaap:TransferOfPortfolioLoansAndLeasesToHeldForSale1 contextRef="c-1" decimals="-6" id="f-552" unitRef="usd">163000000</us-gaap:TransferOfPortfolioLoansAndLeasesToHeldForSale1>
    <us-gaap:TransferOfPortfolioLoansAndLeasesToHeldForSale1 contextRef="c-9" decimals="-6" id="f-553" unitRef="usd">0</us-gaap:TransferOfPortfolioLoansAndLeasesToHeldForSale1>
    <us-gaap:TransferOfPortfolioLoansAndLeasesToHeldForSale1 contextRef="c-10" decimals="-6" id="f-554" unitRef="usd">52000000</us-gaap:TransferOfPortfolioLoansAndLeasesToHeldForSale1>
    <us-gaap:TransferOfLoansHeldForSaleToPortfolioLoans1 contextRef="c-1" decimals="-6" id="f-555" unitRef="usd">0</us-gaap:TransferOfLoansHeldForSaleToPortfolioLoans1>
    <us-gaap:TransferOfLoansHeldForSaleToPortfolioLoans1 contextRef="c-9" decimals="-6" id="f-556" unitRef="usd">0</us-gaap:TransferOfLoansHeldForSaleToPortfolioLoans1>
    <us-gaap:TransferOfLoansHeldForSaleToPortfolioLoans1 contextRef="c-10" decimals="-6" id="f-557" unitRef="usd">94000000</us-gaap:TransferOfLoansHeldForSaleToPortfolioLoans1>
    <fbc:MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans contextRef="c-1" decimals="-6" id="f-558" unitRef="usd">0</fbc:MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans>
    <fbc:MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans contextRef="c-9" decimals="-6" id="f-559" unitRef="usd">19000000</fbc:MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans>
    <fbc:MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans contextRef="c-10" decimals="-6" id="f-560" unitRef="usd">0</fbc:MortgageServicingRightsResultingFromSaleOrSecuritizationOfLoans>
    <us-gaap:StockIssued1 contextRef="c-49" decimals="-6" id="f-561" unitRef="usd">31000000</us-gaap:StockIssued1>
    <us-gaap:StockIssued1 contextRef="c-50" decimals="-6" id="f-562" unitRef="usd">33000000</us-gaap:StockIssued1>
    <us-gaap:StockIssued1 contextRef="c-51" decimals="-6" id="f-563" unitRef="usd">28000000</us-gaap:StockIssued1>
    <us-gaap:FairValueOfAssetsAcquired contextRef="c-1" decimals="-6" id="f-564" unitRef="usd">37384000000</us-gaap:FairValueOfAssetsAcquired>
    <us-gaap:FairValueOfAssetsAcquired contextRef="c-9" decimals="-6" id="f-565" unitRef="usd">24449000000</us-gaap:FairValueOfAssetsAcquired>
    <us-gaap:FairValueOfAssetsAcquired contextRef="c-10" decimals="-6" id="f-566" unitRef="usd">0</us-gaap:FairValueOfAssetsAcquired>
    <us-gaap:NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1 contextRef="c-1" decimals="-6" id="f-567" unitRef="usd">464000000</us-gaap:NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1>
    <us-gaap:NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1 contextRef="c-9" decimals="-6" id="f-568" unitRef="usd">292000000</us-gaap:NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1>
    <us-gaap:NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1 contextRef="c-10" decimals="-6" id="f-569" unitRef="usd">0</us-gaap:NoncashOrPartNoncashAcquisitionIntangibleAssetsAcquired1>
    <fbc:NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired contextRef="c-1" decimals="-6" id="f-570" unitRef="usd">0</fbc:NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired>
    <fbc:NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired contextRef="c-9" decimals="-6" id="f-571" unitRef="usd">1012000000</fbc:NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired>
    <fbc:NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired contextRef="c-10" decimals="-6" id="f-572" unitRef="usd">0</fbc:NoncashOrPartNoncashAcquisitionMortgageServicingRightsAcquired>
    <us-gaap:NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1 contextRef="c-1" decimals="-6" id="f-573" unitRef="usd">35632000000</us-gaap:NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1>
    <us-gaap:NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1 contextRef="c-9" decimals="-6" id="f-574" unitRef="usd">23584000000</us-gaap:NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1>
    <us-gaap:NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1 contextRef="c-10" decimals="-6" id="f-575" unitRef="usd">0</us-gaap:NoncashOrPartNoncashAcquisitionValueOfLiabilitiesAssumed1>
    <us-gaap:StockIssued1 contextRef="c-52" decimals="-6" id="f-576" unitRef="usd">0</us-gaap:StockIssued1>
    <fbc:CommonStockIssuedInBusinessCombination contextRef="c-9" decimals="-6" id="f-577" unitRef="usd">2010000000</fbc:CommonStockIssuedInBusinessCombination>
    <fbc:CommonStockIssuedInBusinessCombination contextRef="c-10" decimals="-6" id="f-578" unitRef="usd">0</fbc:CommonStockIssuedInBusinessCombination>
    <fbc:EquityInstrumentFDICAppreciationIssued contextRef="c-1" decimals="-6" id="f-579" unitRef="usd">85000000</fbc:EquityInstrumentFDICAppreciationIssued>
    <fbc:EquityInstrumentFDICAppreciationIssued contextRef="c-9" decimals="-6" id="f-580" unitRef="usd">0</fbc:EquityInstrumentFDICAppreciationIssued>
    <fbc:EquityInstrumentFDICAppreciationIssued contextRef="c-10" decimals="-6" id="f-581" unitRef="usd">0</fbc:EquityInstrumentFDICAppreciationIssued>
    <us-gaap:OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock contextRef="c-1" id="f-582">Description of Business, Organization and Basis of Presentation&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Organization &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;New York Community Bancorp, Inc. (on a stand-alone basis, the &#x201c;Parent Company&#x201d; or, collectively with its subsidiaries, the &#x201c;Company&#x201d; or "we") was organized under Delaware law on July 20, 1993 and is the holding company for Flagstar Bank N.A. (hereinafter referred to as the &#x201c;Bank&#x201d;).  The Company is headquartered in Hicksville, New York with regional headquarters in Troy, Michigan. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company is subject to regulation, examination and supervision by the Federal Reserve. The Bank is a National Association, subject to federal regulation and oversight by the OCC.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On November 23, 1993, the Company issued its initial offering of common stock (par value: $0.01 per share) at a price of $25.00 per share ($0.93 per share on a split-adjusted basis, reflecting the impact of nine stock splits between 1994 and 2004).  The Company has grown organically and through a series of accretive mergers and acquisitions, culminating in its acquisition of Flagstar Bancorp, Inc., which closed on December 1, 2022 and the Signature Transaction which closed on March 20, 2023. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Flagstar Bank, N.A. currently operates 420 branches across twelve states, including strong footholds in the Northeast and Midwest and exposure to markets in the Southeast and West Coast. Flagstar Mortgage operates nationally through a wholesale network of approximately 3,600 third-party mortgage originators.  Flagstar Bank N.A. also operates through nine local divisions, each with a history of service and strength: New York Community Bank, Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio; and AmTrust Bank in Arizona and Florida. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Liquidity&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On a consolidated basis, our funding primarily stems from a combination of the following sources: retail, institutional, and brokered deposits; borrowed funds, primarily in the form of wholesale borrowings; cash flows generated through the repayment and sale of loans; and cash flows generated through the repayment and sale of securities.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We manage our liquidity to ensure that our cash flows are sufficient to support our operations, to compensate for any temporary mismatches between sources and uses of funds caused by variable loan and deposit demand, and to ensure that sufficient funds are available to meet our financial obligations. See Note 22 - Subsequent Events for further information on our recent capital raise.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Basis of Presentation &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following is a description of the significant accounting and reporting policies that the Company and its subsidiaries follow in preparing and presenting their consolidated financial statements, which conform to U.S. generally accepted accounting principles and to general practices within the banking industry. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and judgments that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. Estimates are used in connection with the determination of the allowance for credit losses, mortgage servicing rights, the Flagstar acquisition and the Signature Transaction. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The accompanying consolidated financial statements include the accounts of the Company and other entities in which the Company has a controlling financial interest. All inter-company accounts and transactions are eliminated in consolidation. The Company currently has certain unconsolidated subsidiaries in the form of wholly-owned statutory business trusts, which were formed to issue guaranteed capital securities. See Note 12 - Borrowed Funds for additional information regarding these trusts. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:36pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When necessary, certain reclassifications have been made to prior-year amounts to conform to the current-year presentation.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Loans&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Effective January 1, 2023, the Company adopted the provisions of Accounting Standards Update (ASU) No. 2022-02, "Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures" (ASU 2022-02), which eliminated the accounting for troubled debt restructurings (TDRs) while expanding loan modification and vintage disclosure requirements. Under ASU 2022-02, the Corporation assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty, regardless of whether the modified loan terms include a concession. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof (collectively referred to as Troubled Debt Modifications or TDMs).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Prior to the adoption of ASU 2022-02, the Company accounted for certain loan modifications and restructurings as TDRs. In general, a modification or restructuring of a loan constituted a TDR if the Company granted a concession to a borrower experiencing financial difficulty.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Adoption of New Accounting Standards&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.870%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.854%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Standard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Description&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Effective Date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;ASU 2022-02 eliminates prior accounting guidance for TDRs, while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. The standard also requires that an entity disclose current-period gross charge-offs by year of origination for financing receivables and net investments in leases. &lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;The Company adopted ASU 2022-02 effective January 1, 2023 using a modified retrospective transition approach for the amendments related to the recognition and measurement of TDRs. The impact of the adoption resulted in an immaterial change to the allowance for credit losses ("ACL"), thus no adjustment to retained earnings was recorded. Disclosures have been updated to reflect information on loan modifications given to borrowers experiencing financial difficulty as presented in Note 6. TDR disclosures are presented for comparative periods only and are not required to be updated in current periods. Additionally, the current year vintage disclosure included in Note 6 has been updated to reflect gross charge-offs by year of origination for the three months ended September 30, 2023.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;ASU 2023-02 Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method Issued: March 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;ASU 2023-02 permits reporting entities to elect to account for their tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;The Company adopted ASU 2023-02 effective January 1, 2023 and it did not have a significant impact on the Company's consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock>
    <us-gaap:CommonStockParOrStatedValuePerShare
      contextRef="c-53"
      decimals="2"
      id="f-583"
      unitRef="usdPerShare">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
    <us-gaap:SharesIssuedPricePerShare
      contextRef="c-54"
      decimals="2"
      id="f-584"
      unitRef="usdPerShare">25.00</us-gaap:SharesIssuedPricePerShare>
    <fbc:SharesIssuedPricePerShareSplitAdjustedBasis
      contextRef="c-53"
      decimals="2"
      id="f-585"
      unitRef="usdPerShare">0.93</fbc:SharesIssuedPricePerShareSplitAdjustedBasis>
    <fbc:NumberOfBranches contextRef="c-7" decimals="INF" id="f-586" unitRef="branch">420</fbc:NumberOfBranches>
    <us-gaap:NumberOfStatesInWhichEntityOperates contextRef="c-7" decimals="INF" id="f-587" unitRef="state">12</us-gaap:NumberOfStatesInWhichEntityOperates>
    <fbc:FinancingReceivableNumberOfThirdPartyMortgageOriginators
      contextRef="c-1"
      decimals="0"
      id="f-588"
      unitRef="originator">3600</fbc:FinancingReceivableNumberOfThirdPartyMortgageOriginators>
    <fbc:NumberOfLocalDivisions
      contextRef="c-7"
      decimals="INF"
      id="f-589"
      unitRef="division">9</fbc:NumberOfLocalDivisions>
    <us-gaap:BasisOfAccountingPolicyPolicyTextBlock contextRef="c-1" id="f-590">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following is a description of the significant accounting and reporting policies that the Company and its subsidiaries follow in preparing and presenting their consolidated financial statements, which conform to U.S. generally accepted accounting principles and to general practices within the banking industry. The preparation of financial statements in conformity with GAAP requires the Company to make estimates and judgments that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. Estimates are used in connection with the determination of the allowance for credit losses, mortgage servicing rights, the Flagstar acquisition and the Signature Transaction. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As a member of the FHLB-NY, the Company is required to hold shares of FHLB-NY stock, which is carried at cost.  In addition, in connection with the Flagstar acquisition, the Company also holds shares of FHLB-Indianapolis stock, which is carried at cost. The Company&#x2019;s holding requirement varies based on certain factors, including its outstanding borrowings from the FHLB-NY and FHLB-Indianapolis. &lt;/span&gt;&lt;/div&gt;The Company conducts a periodic review and evaluation of its FHLB-NY stock to determine if any impairment exists. The factors considered in this process include, among others, significant deterioration in FHLB-NY earnings performance, credit rating, or asset quality; significant adverse changes in the regulatory or economic environment; and other factors that could raise significant concerns about the creditworthiness and the ability of the FHLB-NY to continue as a going concern.</us-gaap:BasisOfAccountingPolicyPolicyTextBlock>
    <us-gaap:ConsolidationPolicyTextBlock contextRef="c-1" id="f-591">The accompanying consolidated financial statements include the accounts of the Company and other entities in which the Company has a controlling financial interest. All inter-company accounts and transactions are eliminated in consolidation. The Company currently has certain unconsolidated subsidiaries in the form of wholly-owned statutory business trusts, which were formed to issue guaranteed capital securities.</us-gaap:ConsolidationPolicyTextBlock>
    <us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="c-1" id="f-592">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Prior to the adoption of ASU 2022-02, the Company accounted for certain loan modifications and restructurings as TDRs. In general, a modification or restructuring of a loan constituted a TDR if the Company granted a concession to a borrower experiencing financial difficulty.&lt;/span&gt;&lt;/div&gt;</us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>
    <us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock contextRef="c-1" id="f-593">&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Adoption of New Accounting Standards&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.976%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.870%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:46.854%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Standard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Description&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:100%"&gt;Effective Date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures Issued March 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;ASU 2022-02 eliminates prior accounting guidance for TDRs, while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty. The standard also requires that an entity disclose current-period gross charge-offs by year of origination for financing receivables and net investments in leases. &lt;br/&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;The Company adopted ASU 2022-02 effective January 1, 2023 using a modified retrospective transition approach for the amendments related to the recognition and measurement of TDRs. The impact of the adoption resulted in an immaterial change to the allowance for credit losses ("ACL"), thus no adjustment to retained earnings was recorded. Disclosures have been updated to reflect information on loan modifications given to borrowers experiencing financial difficulty as presented in Note 6. TDR disclosures are presented for comparative periods only and are not required to be updated in current periods. Additionally, the current year vintage disclosure included in Note 6 has been updated to reflect gross charge-offs by year of origination for the three months ended September 30, 2023.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;ASU 2023-02 Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method Issued: March 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;ASU 2023-02 permits reporting entities to elect to account for their tax equity investments, regardless of the tax credit program from which the income tax credits are received, using the proportional amortization method if certain conditions are met.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;The Company adopted ASU 2023-02 effective January 1, 2023 and it did not have a significant impact on the Company's consolidated financial statements.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock>
    <us-gaap:SignificantAccountingPoliciesTextBlock contextRef="c-1" id="f-594">Summary of Significant Accounting Policies&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Cash and Cash Equivalents and Restricted Cash&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For cash flow reporting purposes, cash and cash equivalents include cash on hand, amounts due from banks, and money market investments, which include federal funds sold and reverse repurchase agreements, if any. At December&#160;31, 2023 and 2022, the Company&#x2019;s cash and cash equivalents totaled $11.5 billion and $2.0 billion, respectively. Included in cash and cash equivalents at those dates were $10.7&#160;billion and $837&#160;million&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;respectively, of interest-bearing deposits in other financial institutions, primarily consisting of balances due from the FRB-NY.   There were no reverse repurchase agreements outstanding as of December&#160;31, 2023 and $793&#160;million of reverse repurchase agreements were outstanding at December&#160;31, 2022. There were no federal funds sold outstanding at December&#160;31, 2023 or December&#160;31, 2022. Restricted cash totaled $134&#160;million and $50&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively and includes cash that the Bank pledges as maintenance margin on centrally cleared derivatives and is included in other assets on the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Debt Securities and Equity Investments with Readily Determinable Fair Values&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The securities portfolio primarily consists of mortgage-related securities and, to a lesser extent, debt and equity securities. Securities that are classified as &#x201c;available for sale&#x201d; are carried at their estimated fair value, with any unrealized gains or losses, net of taxes, reported as accumulated other comprehensive income or loss in stockholders&#x2019; equity. Securities that the Company has the intent and ability to hold to maturity are classified as &#x201c;held to maturity&#x201d; and carried at amortized cost. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair values of our securities&#x2014;and particularly our fixed-rate securities&#x2014;are affected by changes in market interest rates and credit spreads. In general, as interest rates rise and/or credit spreads widen, the fair value of fixed-rate securities will decline. As interest rates fall and/or credit spreads tighten, the fair value of fixed-rate securities will rise. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company evaluates available-for-sale debt securities in unrealized loss positions at least quarterly to determine if an allowance for credit losses is required. Based on an evaluation of available information about past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, the Company has concluded that it expects to receive all contractual cash flows from each security held in its available-for-sale securities portfolio. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company first assesses whether (i) it intends to sell, or (ii) it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. If either of these criteria is met, any previously recognized allowances are charged off and the security&#x2019;s amortized cost basis is written down to fair value through income. If neither of the aforementioned criteria are met, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Management has made the accounting policy election to exclude accrued interest receivable on available-for-sale securities from the estimate of credit losses. Available-for-sale debt securities are placed on non-accrual status when the Company no longer expects to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest receivable is reversed against interest income when a security is placed on non-accrual status. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Equity investments with readily determinable fair values are measured at fair value with changes in fair value recognized in net income. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Premiums and discounts on securities are amortized to expense and accreted to income over the remaining period to contractual maturity using the interest method, and are adjusted for anticipated prepayments. Dividend and interest income are recognized when earned. The cost of securities sold is based on the specific identification method. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Federal Home Loan Bank Stock&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As a member of the FHLB-NY, the Company is required to hold shares of FHLB-NY stock, which is carried at cost.  In addition, in connection with the Flagstar acquisition, the Company also holds shares of FHLB-Indianapolis stock, which is carried at cost. The Company&#x2019;s holding requirement varies based on certain factors, including its outstanding borrowings from the FHLB-NY and FHLB-Indianapolis. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company conducts a periodic review and evaluation of its FHLB-NY stock to determine if any impairment exists. The factors considered in this process include, among others, significant deterioration in FHLB-NY earnings performance, credit rating, or asset quality; significant adverse changes in the regulatory or economic environment; and other factors that could raise significant concerns about the creditworthiness and the ability of the FHLB-NY to continue as a going concern. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Loans Held-for-Sale&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company classifies loans as LHFS when we originate or purchase loans that we intend to sell. We have elected the fair value option for the majority of our LHFS. The Company estimates the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral. Changes in fair value are recorded to other noninterest income on the Consolidated Statements of Income and Comprehensive Income. LHFS that are recorded at the lower of cost or fair value may be carried at fair value on a nonrecurring basis when the fair value is less than cost. For further information, see &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Note 18 - Fair Value Measures&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans that are transferred into the LHFS portfolio from the LHFI portfolio, due to a change in intent, are recorded at the lower of cost or fair value. Gains or losses recognized upon the sale of loans are determined using the specific identification method.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Loans Held for Investment&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans and leases, net, are carried at unpaid principal balances, including unearned discounts, purchase accounting (i.e., acquisition-date fair value) adjustments, net deferred loan origination costs or fees, and the allowance for credit losses on loans and leases. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company recognizes interest income on loans using the interest method over the life of the loan. Accordingly, the Company defers certain loan origination and commitment fees, and certain loan origination costs, and amortizes the net fee or cost as an adjustment to the loan yield over the term of the related loan. When a loan is sold or repaid, the remaining net unamortized fee or cost is recognized in interest income. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Prepayment income on loans is recorded in interest income and only when cash is received. Accordingly, there are no assumptions involved in the recognition of prepayment income.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Two factors are considered in determining the amount of prepayment income: the prepayment penalty percentage set forth in the loan documents, and the principal balance of the loan at the time of prepayment. The volume of loans prepaying may vary from one period to another, often in connection with actual or perceived changes in the direction of market interest rates. When interest rates are declining, rising precipitously, or perceived to be on the verge of rising, prepayment income may increase as more borrowers opt to refinance and lock in current rates prior to further increases taking place. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A loan generally is classified as a &#x201c;non-accrual&#x201d; loan when it is 90 days or more past due or when it is deemed to be impaired because the Company no longer expects to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, management ceases the accrual of interest owed, and previously accrued interest is charged against interest income. A loan is generally returned to accrual status when the loan is current and management has reasonable assurance that the loan will be fully collectible. Interest income on non-accrual loans is recorded when received in cash. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Loans with Government Guarantees&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company originates government guaranteed loans which are pooled and sold as Ginnie Mae MBS. Pursuant to Ginnie Mae servicing guidelines, the Company has the unilateral right to repurchase loans securitized in Ginnie Mae pools that are due, but unpaid, for three consecutive months. As a result, once the delinquency criteria have been met, and regardless of whether the repurchase option has been exercised, the Company accounts for the loans as if they had been repurchased. The Company recognizes the loans and corresponding liability as loans with government guarantees and loans with government guarantees repurchase options, respectively, in the Consolidated Statements of Condition. If the loan is repurchased, the liability is cash settled and the loan with government guarantee remains. Once repurchased, the Company works to cure the outstanding loans such that they are re-eligible for sale or may begin foreclosure and recover losses through a claims process with the government agency, as an approved lender.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Allowance for Credit Losses on Loans and Leases&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The allowance for credit losses on loans and leases is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount the Company expects to collect. Amortized cost is the unpaid loan balance, net of deferred fees and expenses, and includes negative escrow. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense. Management estimates the allowance by projecting and multiplying together the probability-of-default, loss- given-default and exposure-at-default depending on economic parameters for each month of the remaining contractual term, as well as credit ratings for certain loans within the commercial and industrial portfolio. The Company loss drivers for certain loans in the commercial and industrial portfolio are derived using leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast. The Company estimates the exposure-at-default using prepayment models which forecasts prepayments over the life of the loans and leases. The economic forecast and the related economic parameters are developed using available information relating to past events, current conditions, multiple economic forecasts scenarios, including related weightings, over the reasonable and supportable forecast period and macroeconomic assumptions. The economic forecast scenarios and related economic parameters are sourced from independent third parties. The economic forecast reasonable and supportable period is 24 months, and afterwards the Company reverts to a historical average loss rate on a straight-line basis over a 12-month period. Historical credit loss experience over the historical loss observation period provides the basis for the estimation of expected credit losses, with qualitative factor adjustments made &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, current collateral valuations, delinquency levels and terms, as well as for changes in environmental conditions, such as changes in legislation, regulation, policies, administrative practices or other relevant factors. Expected credit losses are estimated over the contractual term of the loans, adjusted for forecasted prepayments when appropriate. The contractual term excludes potential extensions or renewals. The methodology used in the estimation of the allowance for credit losses on loan and leases, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality and forecasted economic conditions. Each quarter the Company reassesses the appropriateness of the economic forecasting period, the reversion period and historical mean at the portfolio segment level, considering any required adjustments for differences in underwriting standards, portfolio mix, and other relevant data shifts over time.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The allowance for credit losses on loans and leases is measured on a collective (pool) basis when similar risk characteristics exist. The portfolio segment represents the level at which a systematic methodology is applied to estimate credit losses. Management believes the products within each of the entity&#x2019;s portfolio segments exhibit similar risk characteristics. The Company leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans that do not share risk characteristics are evaluated on an individual basis. These include loans that are in nonaccrual status with balances above management determined materiality thresholds depending on loan class and also loans that are designated as TDR or &#x201c;reasonably expected TDR&#x201d; (criticized, classified, or maturing loans that will have a modification processed within the next three months).  If a loan is determined to be collateral dependent, or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company maintains an allowance for credit losses on off-balance sheet credit exposures. At December&#160;31, 2023 and December&#160;31, 2022, the allowance for credit losses on off-balance sheet exposures was $52&#160;million and $23&#160;million, respectively. The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit losses expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated life. The Company examined historical CCF trends to estimate utilization rates, and chose an appropriate mean CCF based on both management judgment and quantitative analysis. Quantitative analysis involved examination of CCFs over a range of fund-up windows (between 12 and 36 months) and comparison of the mean CCF for each fund-up window with management judgment determining whether the highest mean CCF across fund-up windows made business sense. The Company applies the same standards and estimated loss rates to the credit exposures as to the related class of loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When applying this critical accounting estimate, we incorporate several inputs and judgments that may be influenced by changes period to period. These include, but are not limited to changes in the economic environment and forecasts, changes in the credit profile and characteristics of the loan portfolio, and changes in prepayment assumptions which will result in provisions to or recoveries from the balance of the allowance for credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;While changes to the economic environment forecasts and portfolio characteristics will change from period to period, portfolio prepayments are an integral assumption in estimating the allowance for credit losses on our commercial real estate (multi-family, CRE and ADC) portfolio which comprises 60 percent of the loan portfolio at December&#160;31, 2023. Portfolio prepayments are subject to estimation uncertainty and changes in this assumption could have a material impact to our estimation process. Prepayment assumptions are sensitive to interest rates and existing loan terms and determine the weighted average life of the commercial mortgage loan portfolio. Excluding other factors, as the weighted average life of the portfolio increases or decreases, so will the required amount of the allowance for credit losses on commercial real estate.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Goodwill&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company evaluates goodwill for impairment at least annually or when triggering events are identified. We utilize a market approach to determine the fair value of our single reporting unit, which considers how a market participant would view a control premium, complemented by an income approach if deemed necessary. The resulting value is then compared to our book value and any shortfalls would be recorded as an impairment.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price, control premium for completed bank acquisitions, and an adjustment for Company-specific risk considerations based on subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of any shortfall which was calculated to be in excess of the goodwill balance. The Company&#x2019;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023, as confirmed by the Company&#x2019;s current market capitalization.  As a result, the Company recorded an impairment charge of the entire goodwill balance of $2.4 billion. Additional information on the methodologies and assumptions used in the goodwill impairment analysis can be found in Note 16 - Intangible Assets.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Mortgage Servicing Rights&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company purchases and originates mortgage loans for sale to the secondary market and sell the loans on either a servicing-retained or servicing-released basis. If the Company retains the right to service the loan, an MSR is created at the time of sale which is recorded at fair value. The Company uses an internal valuation model that utilizes an option-adjusted spread, constant prepayment speeds, costs to service and other assumptions to determine the fair value of MSRs.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Management obtains third-party valuations of the MSR portfolio on a quarterly basis from independent valuation services to assess the reasonableness of the fair value calculated by our internal valuation model. Changes in the fair value of our MSRs are reported on the Consolidated Statements of Income and Comprehensive Income in net return on mortgage servicing. For further information, see &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Note 9 - Mortgage Servicing Rights&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Note 18 - Fair Value Measures&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Premises and Equipment, Net&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Premises, furniture, fixtures, and equipment are carried at cost, less the accumulated depreciation computed on a straight-line basis over the estimated useful lives of the respective assets (generally 20 years for premises and &lt;span style="-sec-ix-hidden:f-618"&gt;three&lt;/span&gt; to ten years for furniture, fixtures, and equipment). Leasehold improvements are carried at cost less the accumulated amortization computed on a straight-line basis over the shorter of the related lease term or the estimated useful life of the improvement. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Depreciation is included in &#x201c;Occupancy and equipment expense&#x201d; in the Consolidated Statements of Income and Comprehensive Income, and amounted to $39&#160;million, $18&#160;million, and $21&#160;million, respectively, in the years ended December&#160;31, 2023, 2022, and 2021. Accumulated depreciation as of December&#160;31, 2023 and December&#160;31, 2022 was $526&#160;million and $434&#160;million. The estimated useful lives for the principal classes of assets are as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:24.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.918%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:74.334%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.792%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.474%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Premises and Equipment&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Useful Lives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Buildings&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Furniture, fixtures and equipment, and building improvements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13.5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Leasehold improvements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;ATMs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Bank-Owned Life Insurance&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company has purchased life insurance policies on certain employees. These BOLI policies are recorded in the Consolidated Statements of Condition at their cash surrender value. Income from these policies and changes in the cash surrender value are recorded in &#x201c;Non-interest income&#x201d; in the Consolidated Statements of Income and Comprehensive Income. At December&#160;31, 2023 and 2022, the Company&#x2019;s investment in BOLI was $1.6 billion. The Company&#x2019;s investment in BOLI generated income of $43 million, $32 million, and $29 million, respectively, during the years ended December&#160;31, 2023, 2022, and 2021. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Variable Interest Entities&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;An entity that has a controlling financial interest in a VIE is referred to as the primary beneficiary and consolidates the VIE. An entity is deemed to have a controlling financial interest and is the primary beneficiary of a VIE if it has both the power to direct the activities of the VIE that most significantly impact the VIE&#x2019;s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. For further information, see Note 10 - Variable Interest Entities&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Repossessed Assets and OREO&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Repossessed assets consist of any property or other assets acquired through, or in lieu of, foreclosure are sold or rented, and are recorded at fair value, less the estimated selling costs, at the date of acquisition. Following foreclosure, management periodically performs a valuation of the asset, and the assets are carried at the lower of the carrying amount or fair value, less the estimated selling costs. Expenses and revenues from operations and changes in valuation, if any, are included in &#x201c;General and administrative expense&#x201d; in the Consolidated Statements of Income and Comprehensive Income. At December&#160;31, 2023, the Company had $5&#160;million of OREO, $4&#160;million of taxi medallions and $5&#160;million of repossessed specialty equipment. At December&#160;31, 2022, the Company had $8 million of OREO and $4&#160;million of taxi medallions. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Servicing Fee Income&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Servicing fee income, late fees and ancillary fees received on loans for which the Company owns the MSR are included in net return on mortgage servicing rights on the Consolidated Statements of Income and Comprehensive Income. The fees are based on the outstanding principal and are recorded as income when earned. Subservicing fees, which are included in loan administration income on the Consolidated Statements of Income and Comprehensive Income, are based on a contractual monthly amount per loan including late fees and other ancillary income.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Income Taxes&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Income tax expense consists of income taxes that are currently payable and deferred income taxes. Deferred income tax expense is determined by recognizing deferred tax assets and liabilities for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates that are expected to apply to taxable income in years in which those temporary differences are expected to be recovered or settled. The Company assesses the deferred tax assets and establishes a valuation allowance when realization of a deferred asset is not considered to be &#x201c;more likely than not.&#x201d; The Company considers its expectation of future taxable income in evaluating the need for a valuation allowance. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company estimates income taxes payable based on the amount it expects to owe the various tax authorities (i.e., federal, state, and local). Income taxes represent the net estimated amount due to, or to be received from, such tax authorities. In estimating income taxes, management assesses the relative merits and risks of the appropriate tax treatment of transactions, taking into account statutory, judicial, and regulatory guidance in the context of the Company&#x2019;s tax position. In this process, management also relies on tax opinions, recent audits, and historical experience. Although the Company uses the best available information to record income taxes, underlying estimates and assumptions can change over time as a result of unanticipated events or circumstances such as changes in tax laws and judicial guidance influencing its overall tax position. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Derivative Instruments and Hedging Activities&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company utilizes derivative instruments to manage the fair value changes in our MSRs, interest rate lock commitments and LHFS portfolio which are exposed to price and interest rate risk; facilitate asset/liability management; minimize the variability of future cash flows on long-term debt; and to meet the needs of our customers. All derivatives are recognized on the Consolidated Statements of Condition as other assets and liabilities, as applicable, at their estimated fair value.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company uses interest rate swaps, swaptions, futures and forward loan sale commitments to mitigate the impact of fluctuations in interest rates and interest rate volatility on the fair value of the MSRs. Changes in their fair value are reflected in current period earnings under the net return on mortgage servicing asset. These derivatives are valued based on quoted prices for similar assets in an active market with inputs that are observable.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company also enters into various derivative agreements with customers and correspondents in the form of interest rate lock commitments and forward purchase contracts which are commitments to originate or purchase mortgage loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The derivatives are valued using internal models that utilize market interest rates and other unobservable inputs. Changes in the fair value of these commitments due to fluctuations in interest rates are economically hedged through the use of forward loan sale commitments of MBS. The gains and losses arising from this derivative activity are reflected in current period earnings under the net gain on loan sales. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;To assist customers in meeting their needs to manage interest rate risk, the Company enters into interest rate swap derivative contracts. To economically hedge this risk, the Company enters into offsetting derivative contracts to effectively eliminate the interest rate risk associated with these contracts. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For additional information regarding the accounting for derivatives, see &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Note 15 - Derivative and Hedging Activities&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and for additional information on recurring fair value disclosures, see &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Note 18 - Fair Value Measures&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Representation and Warranty Reserve&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When the Company sells mortgage loans into the secondary mortgage market, it makes customary representations and warranties to the purchasers about various characteristics of each loan. Upon the sale of a loan, the Company recognizes a liability for that guarantee at its fair value as a reduction of our net gain on loan sales. Subsequent to the sale, the liability is re-measured at fair value on an ongoing basis based upon an estimate of probable future losses. An estimate of the fair value of the guarantee associated with the mortgage loans is recorded in other liabilities in the Consolidated Statements of Condition, and was $12&#160;million and $10&#160;million at &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2022, respectively&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Stock-Based Compensation&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Under the New York Community Bancorp, Inc. 2020 Omnibus Incentive Plan (the &#x201c;2020 Incentive Plan&#x201d;), which was approved by the Company&#x2019;s shareholders at its Annual Meeting on June 3, 2020, shares are available for grant as restricted stock or other forms of related rights. At December&#160;31, 2023, the Company had &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;16,143,893&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; shares available for grant under the 2020 Incentive Plan. Compensation cost related to restricted stock grants is recognized on a straight-line basis over the vesting period. For a more detailed discussion of the Company&#x2019;s stock-based compensation, see Note 14 - Stock-Related Benefits Plans.  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Retirement Plans&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company&#x2019;s pension benefit obligations and post-retirement health and welfare benefit obligations, and the related costs, are calculated using actuarial concepts in accordance with GAAP. The measurement of such obligations and expenses requires that certain assumptions be made regarding several factors, most notably including the discount rate and the expected rate of return on plan assets. The Company evaluates these assumptions on an annual basis. Other factors considered by the Company in its evaluation include retirement patterns and mortality rates. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Under GAAP, actuarial gains and losses, prior service costs or credits, and any remaining transition assets or obligations that have not been recognized under previous accounting standards must be recognized in AOCL until they are amortized as a component of net periodic benefit cost. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Earnings per Common Share (Basic and Diluted) &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Basic EPS is computed by dividing the net income available to common shareholders by the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the same method as basic EPS, however, the computation reflects the potential dilution that would occur if outstanding in-the-money stock options were exercised and converted into common stock. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Unvested stock-based compensation awards containing non-forfeitable rights to dividends paid on the Company&#x2019;s common stock are considered participating securities, and therefore are included in the two-class method for calculating EPS. Under the two-class method, all earnings (distributed and undistributed) are allocated to common shares and participating securities based on their respective rights to receive dividends on the common stock. The Company grants restricted stock to certain employees under its stock-based compensation plan. Recipients receive cash dividends during the vesting periods of &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;these awards, including on the unvested portion of such awards. Since these dividends are non-forfeitable, the unvested awards are considered participating securities and therefore have earnings allocated to them. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the Company&#x2019;s computation of basic and diluted earnings per common share: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.695%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.695%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.698%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions, except share and per share amounts)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net (loss) income available to common stockholders&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: Dividends paid on and earnings allocated to participating securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(Loss) earnings applicable to common stock&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average common shares outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;713,643,550&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;483,603,395&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;463,865,661&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(Loss) basic earnings per common share&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(0.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(Loss) earnings applicable to common stock&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average common shares outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;713,643,550&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;483,603,395&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;463,865,661&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Potential dilutive common shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,530,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;767,058&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total shares for diluted (loss) earnings per common share computation&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;713,643,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;485,134,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;464,632,719&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Diluted (loss) earnings per common share and common share equivalents&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(0.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
    <us-gaap:CashAndCashEquivalentsPolicyTextBlock contextRef="c-1" id="f-595">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For cash flow reporting purposes, cash and cash equivalents include cash on hand, amounts due from banks, and money market investments, which include federal funds sold and reverse repurchase agreements, if any. At December&#160;31, 2023 and 2022, the Company&#x2019;s cash and cash equivalents totaled $11.5 billion and $2.0 billion, respectively. Included in cash and cash equivalents at those dates were $10.7&#160;billion and $837&#160;million&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;respectively, of interest-bearing deposits in other financial institutions, primarily consisting of balances due from the FRB-NY.   There were no reverse repurchase agreements outstanding as of December&#160;31, 2023 and $793&#160;million of reverse repurchase agreements were outstanding at December&#160;31, 2022. There were no federal funds sold outstanding at December&#160;31, 2023 or December&#160;31, 2022. Restricted cash totaled $134&#160;million and $50&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively and includes cash that the Bank pledges as maintenance margin on centrally cleared derivatives and is included in other assets on the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;</us-gaap:CashAndCashEquivalentsPolicyTextBlock>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-7" decimals="-8" id="f-596" unitRef="usd">11500000000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-8" decimals="-8" id="f-597" unitRef="usd">2000000000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:DepositsAssets contextRef="c-7" decimals="-7" id="f-598" unitRef="usd">10700000000</us-gaap:DepositsAssets>
    <us-gaap:DepositsAssets contextRef="c-8" decimals="-6" id="f-599" unitRef="usd">837000000</us-gaap:DepositsAssets>
    <us-gaap:SecuritiesForReverseRepurchaseAgreements contextRef="c-7" decimals="INF" id="f-600" unitRef="usd">0</us-gaap:SecuritiesForReverseRepurchaseAgreements>
    <us-gaap:SecuritiesForReverseRepurchaseAgreements contextRef="c-8" decimals="-6" id="f-601" unitRef="usd">793000000</us-gaap:SecuritiesForReverseRepurchaseAgreements>
    <us-gaap:FederalFundsSold contextRef="c-8" decimals="INF" id="f-602" unitRef="usd">0</us-gaap:FederalFundsSold>
    <us-gaap:FederalFundsSold contextRef="c-7" decimals="INF" id="f-603" unitRef="usd">0</us-gaap:FederalFundsSold>
    <us-gaap:RestrictedCash contextRef="c-7" decimals="-6" id="f-604" unitRef="usd">134000000</us-gaap:RestrictedCash>
    <us-gaap:RestrictedCash contextRef="c-8" decimals="-6" id="f-605" unitRef="usd">50000000</us-gaap:RestrictedCash>
    <us-gaap:InvestmentPolicyTextBlock contextRef="c-1" id="f-606">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The securities portfolio primarily consists of mortgage-related securities and, to a lesser extent, debt and equity securities. Securities that are classified as &#x201c;available for sale&#x201d; are carried at their estimated fair value, with any unrealized gains or losses, net of taxes, reported as accumulated other comprehensive income or loss in stockholders&#x2019; equity. Securities that the Company has the intent and ability to hold to maturity are classified as &#x201c;held to maturity&#x201d; and carried at amortized cost. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair values of our securities&#x2014;and particularly our fixed-rate securities&#x2014;are affected by changes in market interest rates and credit spreads. In general, as interest rates rise and/or credit spreads widen, the fair value of fixed-rate securities will decline. As interest rates fall and/or credit spreads tighten, the fair value of fixed-rate securities will rise. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company evaluates available-for-sale debt securities in unrealized loss positions at least quarterly to determine if an allowance for credit losses is required. Based on an evaluation of available information about past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability, the Company has concluded that it expects to receive all contractual cash flows from each security held in its available-for-sale securities portfolio. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company first assesses whether (i) it intends to sell, or (ii) it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis. If either of these criteria is met, any previously recognized allowances are charged off and the security&#x2019;s amortized cost basis is written down to fair value through income. If neither of the aforementioned criteria are met, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Management has made the accounting policy election to exclude accrued interest receivable on available-for-sale securities from the estimate of credit losses. Available-for-sale debt securities are placed on non-accrual status when the Company no longer expects to receive all contractual amounts due, which is generally at 90 days past due. Accrued interest receivable is reversed against interest income when a security is placed on non-accrual status. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Equity investments with readily determinable fair values are measured at fair value with changes in fair value recognized in net income. &lt;/span&gt;&lt;/div&gt;Premiums and discounts on securities are amortized to expense and accreted to income over the remaining period to contractual maturity using the interest method, and are adjusted for anticipated prepayments. Dividend and interest income are recognized when earned. The cost of securities sold is based on the specific identification method.</us-gaap:InvestmentPolicyTextBlock>
    <us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy contextRef="c-1" id="f-607">The Company classifies loans as LHFS when we originate or purchase loans that we intend to sell. We have elected the fair value option for the majority of our LHFS. The Company estimates the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral. Changes in fair value are recorded to other noninterest income on the Consolidated Statements of Income and Comprehensive Income. LHFS that are recorded at the lower of cost or fair value may be carried at fair value on a nonrecurring basis when the fair value is less than cost.</us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy>
    <us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy contextRef="c-1" id="f-608">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans that are transferred into the LHFS portfolio from the LHFI portfolio, due to a change in intent, are recorded at the lower of cost or fair value. Gains or losses recognized upon the sale of loans are determined using the specific identification method.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Loans Held for Investment&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans and leases, net, are carried at unpaid principal balances, including unearned discounts, purchase accounting (i.e., acquisition-date fair value) adjustments, net deferred loan origination costs or fees, and the allowance for credit losses on loans and leases. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company recognizes interest income on loans using the interest method over the life of the loan. Accordingly, the Company defers certain loan origination and commitment fees, and certain loan origination costs, and amortizes the net fee or cost as an adjustment to the loan yield over the term of the related loan. When a loan is sold or repaid, the remaining net unamortized fee or cost is recognized in interest income. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Prepayment income on loans is recorded in interest income and only when cash is received. Accordingly, there are no assumptions involved in the recognition of prepayment income.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Two factors are considered in determining the amount of prepayment income: the prepayment penalty percentage set forth in the loan documents, and the principal balance of the loan at the time of prepayment. The volume of loans prepaying may vary from one period to another, often in connection with actual or perceived changes in the direction of market interest rates. When interest rates are declining, rising precipitously, or perceived to be on the verge of rising, prepayment income may increase as more borrowers opt to refinance and lock in current rates prior to further increases taking place. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A loan generally is classified as a &#x201c;non-accrual&#x201d; loan when it is 90 days or more past due or when it is deemed to be impaired because the Company no longer expects to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, management ceases the accrual of interest owed, and previously accrued interest is charged against interest income. A loan is generally returned to accrual status when the loan is current and management has reasonable assurance that the loan will be fully collectible. Interest income on non-accrual loans is recorded when received in cash. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Loans with Government Guarantees&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company originates government guaranteed loans which are pooled and sold as Ginnie Mae MBS. Pursuant to Ginnie Mae servicing guidelines, the Company has the unilateral right to repurchase loans securitized in Ginnie Mae pools that are due, but unpaid, for three consecutive months. As a result, once the delinquency criteria have been met, and regardless of whether the repurchase option has been exercised, the Company accounts for the loans as if they had been repurchased. The Company recognizes the loans and corresponding liability as loans with government guarantees and loans with government guarantees repurchase options, respectively, in the Consolidated Statements of Condition. If the loan is repurchased, the liability is cash settled and the loan with government guarantee remains. Once repurchased, the Company works to cure the outstanding loans such that they are re-eligible for sale or may begin foreclosure and recover losses through a claims process with the government agency, as an approved lender.&lt;/span&gt;&lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy>
    <us-gaap:CreditLossFinancialInstrumentPolicyTextBlock contextRef="c-1" id="f-609">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The allowance for credit losses on loans and leases is deducted from the amortized cost basis of a financial asset or a group of financial assets so that the balance sheet reflects the net amount the Company expects to collect. Amortized cost is the unpaid loan balance, net of deferred fees and expenses, and includes negative escrow. Subsequent changes (favorable and unfavorable) in expected credit losses are recognized immediately in net income as a credit loss expense or a reversal of credit loss expense. Management estimates the allowance by projecting and multiplying together the probability-of-default, loss- given-default and exposure-at-default depending on economic parameters for each month of the remaining contractual term, as well as credit ratings for certain loans within the commercial and industrial portfolio. The Company loss drivers for certain loans in the commercial and industrial portfolio are derived using leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast. The Company estimates the exposure-at-default using prepayment models which forecasts prepayments over the life of the loans and leases. The economic forecast and the related economic parameters are developed using available information relating to past events, current conditions, multiple economic forecasts scenarios, including related weightings, over the reasonable and supportable forecast period and macroeconomic assumptions. The economic forecast scenarios and related economic parameters are sourced from independent third parties. The economic forecast reasonable and supportable period is 24 months, and afterwards the Company reverts to a historical average loss rate on a straight-line basis over a 12-month period. Historical credit loss experience over the historical loss observation period provides the basis for the estimation of expected credit losses, with qualitative factor adjustments made &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, current collateral valuations, delinquency levels and terms, as well as for changes in environmental conditions, such as changes in legislation, regulation, policies, administrative practices or other relevant factors. Expected credit losses are estimated over the contractual term of the loans, adjusted for forecasted prepayments when appropriate. The contractual term excludes potential extensions or renewals. The methodology used in the estimation of the allowance for credit losses on loan and leases, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality and forecasted economic conditions. Each quarter the Company reassesses the appropriateness of the economic forecasting period, the reversion period and historical mean at the portfolio segment level, considering any required adjustments for differences in underwriting standards, portfolio mix, and other relevant data shifts over time.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The allowance for credit losses on loans and leases is measured on a collective (pool) basis when similar risk characteristics exist. The portfolio segment represents the level at which a systematic methodology is applied to estimate credit losses. Management believes the products within each of the entity&#x2019;s portfolio segments exhibit similar risk characteristics. The Company leverages economic projections including property market and prepayment forecasts from established independent third parties, as well as credit ratings for certain loans within the commercial and industrial portfolio, to inform its loss drivers in the forecast.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans that do not share risk characteristics are evaluated on an individual basis. These include loans that are in nonaccrual status with balances above management determined materiality thresholds depending on loan class and also loans that are designated as TDR or &#x201c;reasonably expected TDR&#x201d; (criticized, classified, or maturing loans that will have a modification processed within the next three months).  If a loan is determined to be collateral dependent, or meets the criteria to apply the collateral dependent practical expedient, expected credit losses are determined based on the fair value of the collateral at the reporting date, less costs to sell as appropriate.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company maintains an allowance for credit losses on off-balance sheet credit exposures. At December&#160;31, 2023 and December&#160;31, 2022, the allowance for credit losses on off-balance sheet exposures was $52&#160;million and $23&#160;million, respectively. The Company estimates expected credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit losses expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over their estimated life. The Company examined historical CCF trends to estimate utilization rates, and chose an appropriate mean CCF based on both management judgment and quantitative analysis. Quantitative analysis involved examination of CCFs over a range of fund-up windows (between 12 and 36 months) and comparison of the mean CCF for each fund-up window with management judgment determining whether the highest mean CCF across fund-up windows made business sense. The Company applies the same standards and estimated loss rates to the credit exposures as to the related class of loans.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When applying this critical accounting estimate, we incorporate several inputs and judgments that may be influenced by changes period to period. These include, but are not limited to changes in the economic environment and forecasts, changes in the credit profile and characteristics of the loan portfolio, and changes in prepayment assumptions which will result in provisions to or recoveries from the balance of the allowance for credit losses.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;While changes to the economic environment forecasts and portfolio characteristics will change from period to period, portfolio prepayments are an integral assumption in estimating the allowance for credit losses on our commercial real estate (multi-family, CRE and ADC) portfolio which comprises 60 percent of the loan portfolio at December&#160;31, 2023. Portfolio prepayments are subject to estimation uncertainty and changes in this assumption could have a material impact to our estimation process. Prepayment assumptions are sensitive to interest rates and existing loan terms and determine the weighted average life of the commercial mortgage loan portfolio. Excluding other factors, as the weighted average life of the portfolio increases or decreases, so will the required amount of the allowance for credit losses on commercial real estate.&lt;/span&gt;&lt;/div&gt;</us-gaap:CreditLossFinancialInstrumentPolicyTextBlock>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-55" decimals="-6" id="f-610" unitRef="usd">52000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-56" decimals="-6" id="f-611" unitRef="usd">23000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent contextRef="c-55" decimals="3" id="f-612" unitRef="number">0.60</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:GoodwillAndIntangibleAssetsGoodwillPolicy contextRef="c-1" id="f-613">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company evaluates goodwill for impairment at least annually or when triggering events are identified. We utilize a market approach to determine the fair value of our single reporting unit, which considers how a market participant would view a control premium, complemented by an income approach if deemed necessary. The resulting value is then compared to our book value and any shortfalls would be recorded as an impairment.&lt;/span&gt;&lt;/div&gt;As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price, control premium for completed bank acquisitions, and an adjustment for Company-specific risk considerations based on subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of any shortfall which was calculated to be in excess of the goodwill balance. The Company&#x2019;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023, as confirmed by the Company&#x2019;s current market capitalization.</us-gaap:GoodwillAndIntangibleAssetsGoodwillPolicy>
    <us-gaap:GoodwillImpairmentLoss contextRef="c-1" decimals="-8" id="f-614" unitRef="usd">2400000000</us-gaap:GoodwillImpairmentLoss>
    <us-gaap:LoansAndLeasesReceivableMortgageBankingActivitiesPolicy contextRef="c-1" id="f-615">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company purchases and originates mortgage loans for sale to the secondary market and sell the loans on either a servicing-retained or servicing-released basis. If the Company retains the right to service the loan, an MSR is created at the time of sale which is recorded at fair value. The Company uses an internal valuation model that utilizes an option-adjusted spread, constant prepayment speeds, costs to service and other assumptions to determine the fair value of MSRs.&lt;/span&gt;&lt;/div&gt;Management obtains third-party valuations of the MSR portfolio on a quarterly basis from independent valuation services to assess the reasonableness of the fair value calculated by our internal valuation model. Changes in the fair value of our MSRs are reported on the Consolidated Statements of Income and Comprehensive Income in net return on mortgage servicing.</us-gaap:LoansAndLeasesReceivableMortgageBankingActivitiesPolicy>
    <us-gaap:PropertyPlantAndEquipmentPolicyTextBlock contextRef="c-1" id="f-616">Premises, furniture, fixtures, and equipment are carried at cost, less the accumulated depreciation computed on a straight-line basis over the estimated useful lives of the respective assets (generally 20 years for premises and &lt;span style="-sec-ix-hidden:f-618"&gt;three&lt;/span&gt; to ten years for furniture, fixtures, and equipment). Leasehold improvements are carried at cost less the accumulated amortization computed on a straight-line basis over the shorter of the related lease term or the estimated useful life of the improvement.</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
    <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="c-57" id="f-617">P20Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
    <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="c-59" id="f-619">P10Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
    <us-gaap:Depreciation contextRef="c-1" decimals="-6" id="f-620" unitRef="usd">39000000</us-gaap:Depreciation>
    <us-gaap:Depreciation contextRef="c-9" decimals="-6" id="f-621" unitRef="usd">18000000</us-gaap:Depreciation>
    <us-gaap:Depreciation contextRef="c-10" decimals="-6" id="f-622" unitRef="usd">21000000</us-gaap:Depreciation>
    <us-gaap:PropertyPlantAndEquipmentOwnedAccumulatedDepreciation contextRef="c-7" decimals="-6" id="f-623" unitRef="usd">526000000</us-gaap:PropertyPlantAndEquipmentOwnedAccumulatedDepreciation>
    <us-gaap:PropertyPlantAndEquipmentOwnedAccumulatedDepreciation contextRef="c-8" decimals="-6" id="f-624" unitRef="usd">434000000</us-gaap:PropertyPlantAndEquipmentOwnedAccumulatedDepreciation>
    <us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="c-1" id="f-625">The estimated useful lives for the principal classes of assets are as follows:&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:58.918%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:74.334%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.792%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:22.474%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Premises and Equipment&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Useful Lives&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Buildings&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Furniture, fixtures and equipment, and building improvements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13.5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Leasehold improvements&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;ATMs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
    <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="c-60" id="f-626">P30Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
    <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="c-61" id="f-627">P13Y6M</us-gaap:PropertyPlantAndEquipmentUsefulLife>
    <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="c-62" id="f-628">P10Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
    <us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="c-63" id="f-629">P7Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
    <fbc:BankOwnedLifeInsurancePolicyTextBlock contextRef="c-1" id="f-630">The Company has purchased life insurance policies on certain employees. These BOLI policies are recorded in the Consolidated Statements of Condition at their cash surrender value. Income from these policies and changes in the cash surrender value are recorded in &#x201c;Non-interest income&#x201d; in the Consolidated Statements of Income and Comprehensive Income.</fbc:BankOwnedLifeInsurancePolicyTextBlock>
    <us-gaap:BankOwnedLifeInsurance contextRef="c-7" decimals="-8" id="f-631" unitRef="usd">1600000000</us-gaap:BankOwnedLifeInsurance>
    <us-gaap:BankOwnedLifeInsuranceIncome contextRef="c-1" decimals="-6" id="f-632" unitRef="usd">43000000</us-gaap:BankOwnedLifeInsuranceIncome>
    <us-gaap:BankOwnedLifeInsuranceIncome contextRef="c-9" decimals="-6" id="f-633" unitRef="usd">32000000</us-gaap:BankOwnedLifeInsuranceIncome>
    <us-gaap:BankOwnedLifeInsuranceIncome contextRef="c-10" decimals="-6" id="f-634" unitRef="usd">29000000</us-gaap:BankOwnedLifeInsuranceIncome>
    <us-gaap:ConsolidationVariableInterestEntityPolicy contextRef="c-1" id="f-635">An entity that has a controlling financial interest in a VIE is referred to as the primary beneficiary and consolidates the VIE. An entity is deemed to have a controlling financial interest and is the primary beneficiary of a VIE if it has both the power to direct the activities of the VIE that most significantly impact the VIE&#x2019;s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE.</us-gaap:ConsolidationVariableInterestEntityPolicy>
    <us-gaap:RealEstateOwnedValuationAllowancePolicy contextRef="c-1" id="f-637">Repossessed assets consist of any property or other assets acquired through, or in lieu of, foreclosure are sold or rented, and are recorded at fair value, less the estimated selling costs, at the date of acquisition. Following foreclosure, management periodically performs a valuation of the asset, and the assets are carried at the lower of the carrying amount or fair value, less the estimated selling costs. Expenses and revenues from operations and changes in valuation, if any, are included in &#x201c;General and administrative expense&#x201d; in the Consolidated Statements of Income and Comprehensive Income.</us-gaap:RealEstateOwnedValuationAllowancePolicy>
    <us-gaap:LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy contextRef="c-1" id="f-636">Repossessed assets consist of any property or other assets acquired through, or in lieu of, foreclosure are sold or rented, and are recorded at fair value, less the estimated selling costs, at the date of acquisition. Following foreclosure, management periodically performs a valuation of the asset, and the assets are carried at the lower of the carrying amount or fair value, less the estimated selling costs. Expenses and revenues from operations and changes in valuation, if any, are included in &#x201c;General and administrative expense&#x201d; in the Consolidated Statements of Income and Comprehensive Income.</us-gaap:LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy>
    <us-gaap:OtherRealEstate contextRef="c-7" decimals="-6" id="f-638" unitRef="usd">5000000</us-gaap:OtherRealEstate>
    <fbc:IntangibleAssetsAcquiredThroughForeclosure contextRef="c-7" decimals="-6" id="f-639" unitRef="usd">4000000</fbc:IntangibleAssetsAcquiredThroughForeclosure>
    <us-gaap:OtherForeclosedAssets contextRef="c-7" decimals="-6" id="f-640" unitRef="usd">5000000</us-gaap:OtherForeclosedAssets>
    <us-gaap:OtherRealEstate contextRef="c-8" decimals="-6" id="f-641" unitRef="usd">8000000</us-gaap:OtherRealEstate>
    <fbc:IntangibleAssetsAcquiredThroughForeclosure contextRef="c-8" decimals="-6" id="f-642" unitRef="usd">4000000</fbc:IntangibleAssetsAcquiredThroughForeclosure>
    <us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy contextRef="c-1" id="f-643">&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Servicing fee income, late fees and ancillary fees received on loans for which the Company owns the MSR are included in net return on mortgage servicing rights on the Consolidated Statements of Income and Comprehensive Income. The fees are based on the outstanding principal and are recorded as income when earned. Subservicing fees, which are included in loan administration income on the Consolidated Statements of Income and Comprehensive Income, are based on a contractual monthly amount per loan including late fees and other ancillary income.&lt;/span&gt;</us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy>
    <us-gaap:IncomeTaxPolicyTextBlock contextRef="c-1" id="f-644">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Income tax expense consists of income taxes that are currently payable and deferred income taxes. Deferred income tax expense is determined by recognizing deferred tax assets and liabilities for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates that are expected to apply to taxable income in years in which those temporary differences are expected to be recovered or settled. The Company assesses the deferred tax assets and establishes a valuation allowance when realization of a deferred asset is not considered to be &#x201c;more likely than not.&#x201d; The Company considers its expectation of future taxable income in evaluating the need for a valuation allowance. &lt;/span&gt;&lt;/div&gt;The Company estimates income taxes payable based on the amount it expects to owe the various tax authorities (i.e., federal, state, and local). Income taxes represent the net estimated amount due to, or to be received from, such tax authorities. In estimating income taxes, management assesses the relative merits and risks of the appropriate tax treatment of transactions, taking into account statutory, judicial, and regulatory guidance in the context of the Company&#x2019;s tax position. In this process, management also relies on tax opinions, recent audits, and historical experience. Although the Company uses the best available information to record income taxes, underlying estimates and assumptions can change over time as a result of unanticipated events or circumstances such as changes in tax laws and judicial guidance influencing its overall tax position.</us-gaap:IncomeTaxPolicyTextBlock>
    <us-gaap:DerivativesPolicyTextBlock contextRef="c-1" id="f-645">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company records all derivatives on the balance sheet at fair value. The accounting for changes in the fair value of derivatives depends on the intended use of the derivative, whether the Company has elected to designate a derivative in a hedging relationship and apply hedge accounting and whether the hedging relationship has satisfied the criteria necessary to apply hedge accounting. Derivatives designated and qualifying as a hedge of the exposure to changes in the fair value of an asset, liability, or firm commitment attributable to a particular risk, such as interest rate risk, are considered fair value hedges. Derivatives designated and qualifying as a hedge of the exposure to variability in expected future cash flows, or other types of forecasted transactions, are considered cash flow hedges. Hedge accounting generally provides for the matching of the timing of gain or loss recognition on the hedging instrument with the recognition of the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk in a fair value hedge or the earnings effect of the hedged forecasted transactions in a cash flow hedge. The Company may enter into derivative contracts that are intended to economically hedge certain of its risks, even though hedge accounting does not apply or the Company elects not to apply hedge accounting.  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company utilizes derivative instruments to manage the fair value changes in our MSRs, interest rate lock commitments and LHFS portfolio which are exposed to price and interest rate risk; facilitate asset/liability management; minimize the variability of future cash flows on long-term debt; and to meet the needs of our customers. All derivatives are recognized on the Consolidated Statements of Condition as other assets and liabilities, as applicable, at their estimated fair value.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company uses interest rate swaps, swaptions, futures and forward loan sale commitments to mitigate the impact of fluctuations in interest rates and interest rate volatility on the fair value of the MSRs. Changes in their fair value are reflected in current period earnings under the net return on mortgage servicing asset. These derivatives are valued based on quoted prices for similar assets in an active market with inputs that are observable.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company also enters into various derivative agreements with customers and correspondents in the form of interest rate lock commitments and forward purchase contracts which are commitments to originate or purchase mortgage loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. The derivatives are valued using internal models that utilize market interest rates and other unobservable inputs. Changes in the fair value of these commitments due to fluctuations in interest rates are economically hedged through the use of forward loan sale commitments of MBS. The gains and losses arising from this derivative activity are reflected in current period earnings under the net gain on loan sales. &lt;/span&gt;&lt;/div&gt;To assist customers in meeting their needs to manage interest rate risk, the Company enters into interest rate swap derivative contracts. To economically hedge this risk, the Company enters into offsetting derivative contracts to effectively eliminate the interest rate risk associated with these contracts.</us-gaap:DerivativesPolicyTextBlock>
    <us-gaap:GuaranteesIndemnificationsAndWarrantiesPolicies contextRef="c-1" id="f-646">When the Company sells mortgage loans into the secondary mortgage market, it makes customary representations and warranties to the purchasers about various characteristics of each loan. Upon the sale of a loan, the Company recognizes a liability for that guarantee at its fair value as a reduction of our net gain on loan sales. Subsequent to the sale, the liability is re-measured at fair value on an ongoing basis based upon an estimate of probable future losses.</us-gaap:GuaranteesIndemnificationsAndWarrantiesPolicies>
    <us-gaap:GuaranteesFairValueDisclosure contextRef="c-7" decimals="-6" id="f-647" unitRef="usd">12000000</us-gaap:GuaranteesFairValueDisclosure>
    <us-gaap:GuaranteesFairValueDisclosure contextRef="c-8" decimals="-6" id="f-648" unitRef="usd">10000000</us-gaap:GuaranteesFairValueDisclosure>
    <us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy contextRef="c-1" id="f-649">&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Under the New York Community Bancorp, Inc. 2020 Omnibus Incentive Plan (the &#x201c;2020 Incentive Plan&#x201d;), which was approved by the Company&#x2019;s shareholders at its Annual Meeting on June 3, 2020, shares are available for grant as restricted stock or other forms of related rights. At December&#160;31, 2023, the Company had &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;16,143,893&lt;/span&gt; shares available for grant under the 2020 Incentive Plan. Compensation cost related to restricted stock grants is recognized on a straight-line basis over the vesting period.</us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant contextRef="c-7" decimals="0" id="f-650" unitRef="shares">16143893</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant>
    <us-gaap:AssetRetirementObligationsPolicy contextRef="c-1" id="f-651">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company&#x2019;s pension benefit obligations and post-retirement health and welfare benefit obligations, and the related costs, are calculated using actuarial concepts in accordance with GAAP. The measurement of such obligations and expenses requires that certain assumptions be made regarding several factors, most notably including the discount rate and the expected rate of return on plan assets. The Company evaluates these assumptions on an annual basis. Other factors considered by the Company in its evaluation include retirement patterns and mortality rates. &lt;/span&gt;&lt;/div&gt;Under GAAP, actuarial gains and losses, prior service costs or credits, and any remaining transition assets or obligations that have not been recognized under previous accounting standards must be recognized in AOCL until they are amortized as a component of net periodic benefit cost.</us-gaap:AssetRetirementObligationsPolicy>
    <us-gaap:EarningsPerSharePolicyTextBlock contextRef="c-1" id="f-652">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Basic EPS is computed by dividing the net income available to common shareholders by the weighted average number of common shares outstanding during the period. Diluted EPS is computed using the same method as basic EPS, however, the computation reflects the potential dilution that would occur if outstanding in-the-money stock options were exercised and converted into common stock. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Unvested stock-based compensation awards containing non-forfeitable rights to dividends paid on the Company&#x2019;s common stock are considered participating securities, and therefore are included in the two-class method for calculating EPS. Under the two-class method, all earnings (distributed and undistributed) are allocated to common shares and participating securities based on their respective rights to receive dividends on the common stock. The Company grants restricted stock to certain employees under its stock-based compensation plan. Recipients receive cash dividends during the vesting periods of &lt;/span&gt;&lt;/div&gt;these awards, including on the unvested portion of such awards. Since these dividends are non-forfeitable, the unvested awards are considered participating securities and therefore have earnings allocated to them.</us-gaap:EarningsPerSharePolicyTextBlock>
    <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock contextRef="c-1" id="f-653">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the Company&#x2019;s computation of basic and diluted earnings per common share: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.695%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.695%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.698%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions, except share and per share amounts)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net (loss) income available to common stockholders&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;617&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: Dividends paid on and earnings allocated to participating securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(Loss) earnings applicable to common stock&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average common shares outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;713,643,550&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;483,603,395&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;463,865,661&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(Loss) basic earnings per common share&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(0.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(Loss) earnings applicable to common stock&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(117)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;556&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:3pt double #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average common shares outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;713,643,550&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;483,603,395&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;463,865,661&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Potential dilutive common shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,530,950&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;767,058&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total shares for diluted (loss) earnings per common share computation&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;713,643,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;485,134,345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;464,632,719&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Diluted (loss) earnings per common share and common share equivalents&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(0.16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-1" decimals="-6" id="f-654" unitRef="usd">-112000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-9" decimals="-6" id="f-655" unitRef="usd">617000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic contextRef="c-10" decimals="-6" id="f-656" unitRef="usd">563000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersBasic>
    <us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic contextRef="c-1" decimals="-6" id="f-657" unitRef="usd">5000000</us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic>
    <us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic contextRef="c-9" decimals="-6" id="f-658" unitRef="usd">8000000</us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic>
    <us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic contextRef="c-10" decimals="-6" id="f-659" unitRef="usd">7000000</us-gaap:ParticipatingSecuritiesDistributedAndUndistributedEarningsLossBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c-1" decimals="-6" id="f-660" unitRef="usd">-117000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c-9" decimals="-6" id="f-661" unitRef="usd">609000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c-10" decimals="-6" id="f-662" unitRef="usd">556000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-1" decimals="0" id="f-663" unitRef="shares">713643550</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-9" decimals="0" id="f-664" unitRef="shares">483603395</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-10" decimals="0" id="f-665" unitRef="shares">463865661</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-1"
      decimals="2"
      id="f-666"
      unitRef="usdPerShare">-0.16</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-9"
      decimals="2"
      id="f-667"
      unitRef="usdPerShare">1.26</us-gaap:EarningsPerShareBasic>
    <us-gaap:EarningsPerShareBasic
      contextRef="c-10"
      decimals="2"
      id="f-668"
      unitRef="usdPerShare">1.20</us-gaap:EarningsPerShareBasic>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c-1" decimals="-6" id="f-669" unitRef="usd">-117000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c-9" decimals="-6" id="f-670" unitRef="usd">609000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
    <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c-10" decimals="-6" id="f-671" unitRef="usd">556000000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-1" decimals="0" id="f-672" unitRef="shares">713643550</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-9" decimals="0" id="f-673" unitRef="shares">483603395</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:WeightedAverageNumberOfSharesOutstandingBasic contextRef="c-10" decimals="0" id="f-674" unitRef="shares">463865661</us-gaap:WeightedAverageNumberOfSharesOutstandingBasic>
    <us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment contextRef="c-1" decimals="0" id="f-675" unitRef="shares">0</us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment>
    <us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment contextRef="c-9" decimals="0" id="f-676" unitRef="shares">1530950</us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment>
    <us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment contextRef="c-10" decimals="0" id="f-677" unitRef="shares">767058</us-gaap:WeightedAverageNumberDilutedSharesOutstandingAdjustment>
    <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="c-1" decimals="0" id="f-678" unitRef="shares">713643550</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
    <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="c-9" decimals="0" id="f-679" unitRef="shares">485134345</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
    <us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding contextRef="c-10" decimals="0" id="f-680" unitRef="shares">464632719</us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-1"
      decimals="2"
      id="f-681"
      unitRef="usdPerShare">-0.16</us-gaap:EarningsPerShareDiluted>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-9"
      decimals="2"
      id="f-682"
      unitRef="usdPerShare">1.26</us-gaap:EarningsPerShareDiluted>
    <us-gaap:EarningsPerShareDiluted
      contextRef="c-10"
      decimals="2"
      id="f-683"
      unitRef="usdPerShare">1.20</us-gaap:EarningsPerShareDiluted>
    <us-gaap:BusinessCombinationDisclosureTextBlock contextRef="c-1" id="f-684">Business Combinations&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Signature Bridge Bank&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On March 20, 2023, the Company&#x2019;s wholly owned bank subsidiary, Flagstar Bank N.A. (the &#x201c;Bank&#x201d;), entered into a Purchase and Assumption Agreement (the &#x201c;Agreement&#x201d;) with the Federal Deposit Insurance Corporation (&#x201c;FDIC&#x201d;), as receiver (the "FDIC Receiver") of Signature Bridge Bank, N.A. (&#x201c;Signature&#x201d;) to acquire certain assets and assume certain liabilities of Signature (the &#x201c;Signature Transaction&#x201d;). Headquartered in New York, New York, Signature Bank was a full-service commercial bank that operated 29 branches in New York, seven branches in California, two branches in North Carolina, one branch in Connecticut, and one branch in Nevada. In connection with the Signature Transaction the Bank assumed all of Signature&#x2019;s branches. The Bank acquired only certain parts of Signature it believes to be financially and strategically complementary that are intended to enhance the Company&#x2019;s future growth.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Pursuant to the terms of the Agreement, the Company was not required to make a cash payment to the FDIC on March 20, 2023 as consideration for the acquired assets and assumed liabilities. As the Company and the FDIC remain engaged in ongoing discussions which may impact the assets and liabilities acquired or assumed by the Company in the Signature Transaction. Any items identified that affect the bargain gain are recorded in the period they are identified. The Company may be required to make a payment to the FDIC or the FDIC may be required to make a payment to the Company on the Settlement Date, which will be one year after March 20, 2023, or as agreed upon by the FDIC and the Company. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In addition, as part of the consideration for the Signature Transaction, the Company granted the FDIC equity appreciation rights in the common stock of the Company under an equity appreciation instrument (the "Equity Appreciation Instrument"). On March 31, 2023, the Company issued 39,032,006 shares of Company common stock to the FDIC pursuant to the Equity Appreciation Instrument. On May 19, 2023, the FDIC completed the secondary offering of those shares. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company has determined that the Signature Transaction constitutes a business combination as defined by ASC 805, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Business Combinations&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; ("ASC 805"). ASC 805 establishes principles and requirements as to how the acquirer of a business recognizes and measures in its financial statements the identifiable assets acquired, the liabilities assumed and any non-controlling interest in the acquiree.  Accordingly, the assets acquired and liabilities assumed have been recorded based on their preliminary estimated fair values as of March 20, 2023, which have been adjusted through December&#160;31, 2023 based on changes to those preliminary estimates.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Under the Agreement, the Company is expected to provide certain services to the FDIC to assist the FDIC in its administration of certain assets and liabilities which were not assumed by the Company and which remain under the control of the FDIC (the &#x201c;Interim Servicing&#x201d;). The Interim Servicing includes activities related to the servicing of loan portfolios not acquired on behalf of the FDIC for a period of up to one year from the date of the Signature Transaction unless such loans are sold or transferred at an earlier time by the FDIC or until cancelled by the FDIC upon 60-days&#x2019; notice. The Interim Servicing &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;may include other ancillary services requested by the FDIC to assist in their administration of the remaining assets and liabilities of Signature Bank. The FDIC will reimburse the Company for costs associated with the Interim Servicing based upon an agreed upon fee which approximates the cost to provide such services. As the FDIC intends to reimburse the Company for the costs to service the loans, neither a servicing asset nor servicing liability was recognized as part of the Signature Transaction. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company did not enter into a loss sharing arrangement with the FDIC in connection with the Signature Transaction.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As the Company finalizes its analysis of the assets acquired and liabilities assumed, there may be adjustments to the recorded carrying values. In many cases, the determination of the fair value of the assets acquired and liabilities assumed required management to make estimates about discount rates, future expected cash flows, market conditions and other future events that are highly subjective in nature and subject to change. While the Company believes that the information available on December&#160;31, 2023, provided a reasonable basis for estimating fair value, the Company may obtain additional information and evidence during the measurement period that may result in changes to the estimated fair value amounts. Fair values subject to change include, but are not limited to, those related to loans and leases, certain deposits, intangibles, deferred tax assets and liabilities and certain other assets and other liabilities. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A summary of the preliminary net assets acquired and related estimated fair value adjustments resulting in the bargain purchase gain is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:27pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:88.155%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.645%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;March 20, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(preliminary)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net assets acquired before fair value adjustments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Fair value adjustments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(727)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;Core deposit and other intangibles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;Certificates of deposit &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;Other net assets and liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;FDIC Equity Appreciation Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(85)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deferred tax liability&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(690)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Bargain purchase gain on Signature Transaction, as initially reported&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Measurement period adjustments, excluding taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in deferred tax liability&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Bargain purchase gain on Signature Transaction, as adjusted&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In connection with the Signature Transaction, the Company recorded a bargain purchase gain, as adjusted, of approximately $2.1&#160;billion during the year ended December 31, 2023, which is included in non-interest income in the Company&#x2019;s Consolidated Statement of Income and Comprehensive Income.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The bargain purchase gain represents the excess of the estimated fair value of the assets acquired (including cash payments received from the FDIC) over the estimated fair value of the liabilities assumed and is influenced significantly by the FDIC-assisted transaction process. Under the FDIC-assisted transaction process, only certain assets and liabilities are transferred to the acquirer and, depending on the nature and amount of the acquirers bid, the FDIC may be required to make a cash payment to the Company and the Company may be required to make a cash payment to the FDIC.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The assets acquired and liabilities assumed and consideration paid in the Signature Transaction were initially recorded at their estimated fair values based on management&#x2019;s best estimates using information available at the date of the Signature Transaction, and are subject to adjustment for up to one year after the closing date of the Signature Transaction. The Company and the FDIC are engaged in ongoing discussions and settlement payments have been made that have impacted certain assets acquired or certain liabilities assumed by the Company on March 20, 2023 and are included as measurement period adjustments in the table below. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.253%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Preliminary as Initially Reported&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Measurement Period Adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Preliminary as Adjusted&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Purchase Price consideration&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair value of assets acquired:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash &amp;amp; cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(142)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for investment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(214)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(262)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Consumer and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(477)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,741&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CDI and other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(169)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets acquired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(788)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair value of liabilities assumed:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;33,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(61)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;33,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(857)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities assumed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(918)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of net identifiable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Bargain purchase gain&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;During the year ended December 31, 2023, the Company recorded preliminary measurement period adjustments to adjust the estimated fair value of loans and leases acquired and adjust other assets and accrued expenses and other liabilities for balances ultimately retained by the FDIC. Additionally, $449&#160;million of loans were returned to the FDIC in accordance with the purchase and sale agreement. The Company also recognized a net change in the deferred tax liability due to the measurement period adjustments and the secondary offering of shares completed by the FDIC.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company incurred $223&#160;million in acquisition costs related to the Signature Transaction primarily for legal, advisory, and other professional services.  These costs are recorded within Merger-related and restructuring expenses on the Consolidated Statements of Income and Comprehensive Income.  &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Fair Value of Assets Acquired and Liabilities Assumed&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, reflecting assumptions that a market participant would use when pricing an asset or liability. In some cases, the estimation of fair values requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and are subject to change. Described below are the methods used to determine the fair values of the significant assets acquired and liabilities assumed in the Signature Transaction.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash and Cash Equivalents&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated fair value of cash and cash equivalents approximates their stated face amounts, as these financial instruments are either due on demand or have short-term maturities.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans and leases&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair value for loans was based on a discounted cash flow methodology that considered credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions were the key factors driving credit losses which were embedded into the estimated cash flows. These assumptions were informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate was determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;discount rates do not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. Acquired loans were marked to fair value and adjusted for any PCD gross up as of the date of the Signature Transaction.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Deposit Liabilities&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair value of deposit liabilities with no stated maturity (i.e., non-interest-bearing and interest-bearing checking accounts) is equal to the carrying amounts payable on demand. The fair value of certificates of deposit represents contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Core Deposit Intangible&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Core deposit intangible (&#x201c;CDI&#x201d;) is a measure of the value of non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts that are acquired in a business combination. The fair value of the CDI was determined using a discounted cashflow methodology which considered discount rate, customer attrition rates, and other relevant market assumptions. This method estimated the fair value by discounting the present value of the expected cost savings attributable to the core deposit funding, relative to an alternative source of funding. The CDI relating to the Signature Transaction will be amortized over an estimated useful life of 10 years using the sum of years digits depreciation method. The Company evaluates such identifiable intangibles for impairment when an indication of impairment exists. CDI does not significantly impact our liquidity or capital ratios.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;PCD loans&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Purchased loans that reflect a more than insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the allowance for credit losses (&#x201c;ACL&#x201d;) on the date of acquisition using the same methodology as other loans and leases held-for-investment. The following table provides a summary of loans and leases purchased as part of the Signature Transaction with credit deterioration and the associated credit loss reserve at acquisition: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:83.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Par value (UPB)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;ACL at acquisition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-credit (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:112%"&gt;Unaudited Pro Forma Information &#x2013; Signature Transaction&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company&#x2019;s operating results for the year ended December&#160;31, 2023 include the operating results of the acquired assets and assumed liabilities of Signature subsequent to the acquisition on March 20, 2023. Due to the use of multiple systems and integration of the operating activities into those of the Company, historical reporting for the former Signature operations is impracticable and thus disclosures of the revenue from the assets acquired and income before income taxes is impracticable for the period subsequent to acquisition.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Signature was only in operation from March 12, 2023 to March 20, 2023 and does not have historical financial information on which we could base pro forma information. Additionally, we did not acquire all assets or assume all liabilities of Signature and the historical operations are not consistent with the transaction. Therefore, it is impracticable to provide pro forma information on revenues and earnings for the Signature Transaction in accordance with ASC 805-10-50-2.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:112%;text-decoration:underline"&gt;Flagstar Bancorp, Inc.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On December 1, 2022, the Company closed the acquisition of Flagstar Bancorp, Inc. (&#x201c;Flagstar&#x201d;) in an all-stock transaction (&#x201c;Flagstar Transaction&#x201d;). Flagstar was a savings and loan holding company headquartered in Troy, MI.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Pursuant to the terms of the Merger Agreement, each share of Flagstar common stock was converted into 4.0151 shares of the Company&#x2019;s common shares at the effective time of the merger. In addition, the Company received approval from the Office of the Comptroller of the Currency (the &#x201c;OCC") to convert Flagstar Bank, FSB to a national bank to be known as Flagstar Bank, N.A., and to merge New York Community Bank into Flagstar Bank, N.A. with Flagstar Bank, N.A. being the surviving entity. Flagstar Bank, FSB, provided commercial, small business, and consumer banking services through 158 branches in Michigan, Indiana, California, Wisconsin, and Ohio. It also provided home loans through a wholesale network of brokers and correspondents in all 50 states. The acquisition of Flagstar added significant scale, geographic diversification, improved funding profile, and a broader product mix to the Company.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The acquisition of Flagstar has been accounted for as a business combination. The Company recorded the preliminary estimate of fair value of the assets acquired and liabilities assumed December 1, 2022, which was subject to adjustment for up to one year after December 1, 2022. As of December&#160;31, 2023, the Company finalized its review of the assets acquired and liabilities assumed, and did not record any material adjustments.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides an allocation of consideration paid for the fair value of assets acquired and liabilities and equity assumed from Flagstar as of December 1, 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:88.155%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.645%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 1, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Purchase Price consideration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair value of assets acquired:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash &amp;amp; cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for investment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,891&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Consumer and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CDI and other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets acquired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair value of liabilities assumed:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Borrowings&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities assumed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;23,584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of net identifiable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Bargain purchase gain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In connection with the acquisition, the Company recorded a bargain purchase gain of approximately $159 million.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company incurred $99&#160;million in acquisition costs related to the Flagstar Transaction primarily for legal, advisory, and other professional services. These costs are recorded within Merger-related and restructuring expenses on the Consolidated Statements of Income and Comprehensive Income.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Fair Value of Assets Acquired and Liabilities Assumed&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, reflecting assumptions that a market participant would use when pricing an asset or liability. In some cases, the estimation of fair values requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and are subject to change. Described below are the methods used to determine the fair values of the significant assets acquired and liabilities assumed in the Flagstar acquisition.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash and Cash Equivalents&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated fair value of cash and cash equivalents approximates their stated face amounts, as these financial instruments are either due on demand or have short-term maturities.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Investment Securities and Federal Home Loan Bank Stock&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Quoted market prices for the securities acquired were used to determine their fair values. If quoted market prices were not available for a specific security, then quoted prices for similar securities in active markets were used to estimate the fair value. The fair value of FHLB-Indianapolis stock is equivalent to the redemption amount.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Fair values for loans were based on a discounted cash flow methodology that considered credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions were the key factors driving credit losses which were embedded into the estimated cash flows. These assumptions were informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate was determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The discount rates do not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. Acquired loans were marked to fair value and adjusted for any PCD gross up as of the merger date.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Core Deposit Intangible&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;CDI is a measure of the value of non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts that are acquired in a business combination. The fair value of the CDI stemming from any given business combination is based on the present value of the expected cost savings attributable to the core deposit funding, relative to an alternative source of funding. The CDI relating to the Flagstar acquisition will be amortized over an estimated useful life of 10 years using the sum of years digits depreciation method. The Company evaluates such identifiable intangibles for impairment when an indication of impairment exists.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Deposit Liabilities&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair value of deposit liabilities with no stated maturity (i.e., non-interest-bearing and interest-bearing checking accounts) is equal to the carrying amounts payable on demand. The fair value of certificates of deposit represents contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Borrowed Funds&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated fair value of borrowed funds is based on bid quotations received from securities dealers or the discounted value of contractual cash flows with interest rates currently in effect for borrowed funds with similar maturities.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;PCD loans&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Purchased loans that reflect a more than insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the ACL on the date of acquisition using the same methodology as other loans and leases held-for-investment. The following table provides a summary of loans and leases purchased as part of the Flagstar acquisition with credit deterioration and the associated credit loss reserve at acquisition:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:83.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Par value (UPB)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;ACL at acquisition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-credit (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Unaudited Pro Forma Information &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company&#x2019;s results of operations for the year-ended December&#160;31, 2022 and 2023 include the results of operations of Flagstar on and after December 1, 2022. Results for periods prior to December 1, 2022, do not include the results of operations of Flagstar.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following pro forma financial information presents the unaudited consolidated results of operations of the Company and Flagstar as if the Flagstar Transaction occurred as of January 1, 2021 with pro forma adjustments. The pro forma adjustments give effect to any change in interest income due to the accretion of the net discounts from the fair value adjustments of acquired loans, any change in interest expense due to the estimated net premium from the fair value adjustments to acquired time deposits and other debt, and the amortization of intangibles had the deposits been acquired as of January 1, 2021. The pro forma amounts for the years ended December&#160;31, 2022 and 2021 do not reflect the anticipated cost savings that have not yet been realized. Acquisition costs incurred by the Company during the years ended December&#160;31, 2022 and 2021 are reflected in the pro forma amounts. The pro forma information does not necessarily reflect the results of operations that would have occurred had the Flagstar Transaction occurred at the beginning of 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.086%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.016%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(unaudited)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net interest income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-interest income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;804&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net income available to common stockholders&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:BusinessCombinationDisclosureTextBlock>
    <fbc:NumberOfBranches
      contextRef="c-64"
      decimals="INF"
      id="f-685"
      unitRef="branch">29</fbc:NumberOfBranches>
    <fbc:NumberOfBranches
      contextRef="c-65"
      decimals="INF"
      id="f-686"
      unitRef="branch">7</fbc:NumberOfBranches>
    <fbc:NumberOfBranches
      contextRef="c-66"
      decimals="INF"
      id="f-687"
      unitRef="branch">2</fbc:NumberOfBranches>
    <fbc:NumberOfBranches
      contextRef="c-67"
      decimals="INF"
      id="f-688"
      unitRef="branch">1</fbc:NumberOfBranches>
    <fbc:NumberOfBranches
      contextRef="c-68"
      decimals="INF"
      id="f-689"
      unitRef="branch">1</fbc:NumberOfBranches>
    <us-gaap:BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued
      contextRef="c-69"
      decimals="INF"
      id="f-690"
      unitRef="shares">39032006</us-gaap:BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued>
    <us-gaap:ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock contextRef="c-1" id="f-691">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A summary of the preliminary net assets acquired and related estimated fair value adjustments resulting in the bargain purchase gain is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:27pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:88.155%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.645%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;March 20, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;(preliminary)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net assets acquired before fair value adjustments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,973&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Fair value adjustments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(727)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;Core deposit and other intangibles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;Certificates of deposit &lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;Other net assets and liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;&#160;&#160;FDIC Equity Appreciation Instrument&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(85)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deferred tax liability&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(690)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Bargain purchase gain on Signature Transaction, as initially reported&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Measurement period adjustments, excluding taxes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in deferred tax liability&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Bargain purchase gain on Signature Transaction, as adjusted&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;The Company and the FDIC are engaged in ongoing discussions and settlement payments have been made that have impacted certain assets acquired or certain liabilities assumed by the Company on March 20, 2023 and are included as measurement period adjustments in the table below. &lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:54.601%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.253%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Preliminary as Initially Reported&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Measurement Period Adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Preliminary as Adjusted&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Purchase Price consideration&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair value of assets acquired:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash &amp;amp; cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,043&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(142)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,901&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;232&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for investment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(214)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,888&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(262)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,680&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Consumer and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;173&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,218&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(477)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,741&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CDI and other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;679&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(169)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets acquired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,636&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(788)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,848&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair value of liabilities assumed:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;33,568&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(61)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;33,507&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(857)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities assumed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36,550&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(918)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35,632&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of net identifiable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,086&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Bargain purchase gain&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,131&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides an allocation of consideration paid for the fair value of assets acquired and liabilities and equity assumed from Flagstar as of December 1, 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:88.155%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.645%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 1, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Purchase Price consideration&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,010&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair value of assets acquired:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash &amp;amp; cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Securities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,695&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,257&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for investment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,891&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,523&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Consumer and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18,008&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CDI and other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets acquired&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,753&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Fair value of liabilities assumed:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Borrowings&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;889&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities assumed&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;23,584&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of net identifiable assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Bargain purchase gain&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet contextRef="c-70" decimals="-6" id="f-692" unitRef="usd">2973000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans contextRef="c-71" decimals="-6" id="f-693" unitRef="usd">-727000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoans>
    <us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles contextRef="c-71" decimals="-6" id="f-694" unitRef="usd">464000000</us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit contextRef="c-71" decimals="-6" id="f-695" unitRef="usd">27000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCertificatesOfDeposit>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities contextRef="c-71" decimals="-6" id="f-696" unitRef="usd">39000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherNetAssetsAndLiabilities>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument contextRef="c-71" decimals="-6" id="f-697" unitRef="usd">-85000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentEquityAppreciationInstrument>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability contextRef="c-71" decimals="-6" id="f-698" unitRef="usd">-690000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeferredTaxLiability>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-72" decimals="-6" id="f-699" unitRef="usd">2001000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes contextRef="c-71" decimals="-6" id="f-700" unitRef="usd">28000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentMeasurementPeriodAdjustmentsExcludingTaxes>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability contextRef="c-71" decimals="-6" id="f-701" unitRef="usd">102000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentChangeInDeferredTaxLiability>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-73" decimals="-6" id="f-702" unitRef="usd">2131000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-1" decimals="-8" id="f-703" unitRef="usd">2100000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:BusinessCombinationConsiderationTransferred1 contextRef="c-72" decimals="-6" id="f-704" unitRef="usd">85000000</us-gaap:BusinessCombinationConsiderationTransferred1>
    <us-gaap:BusinessCombinationConsiderationTransferred1 contextRef="c-71" decimals="-6" id="f-705" unitRef="usd">85000000</us-gaap:BusinessCombinationConsiderationTransferred1>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents contextRef="c-74" decimals="-6" id="f-706" unitRef="usd">25043000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents contextRef="c-1" decimals="-6" id="f-707" unitRef="usd">-142000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents contextRef="c-70" decimals="-6" id="f-708" unitRef="usd">24901000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale contextRef="c-74" decimals="-6" id="f-709" unitRef="usd">232000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale contextRef="c-70" decimals="-6" id="f-710" unitRef="usd">232000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-75" decimals="-6" id="f-711" unitRef="usd">10102000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets contextRef="c-76" decimals="-6" id="f-712" unitRef="usd">-214000000</us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-77" decimals="-6" id="f-713" unitRef="usd">9888000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-78" decimals="-6" id="f-714" unitRef="usd">1942000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets contextRef="c-79" decimals="-6" id="f-715" unitRef="usd">-262000000</us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-80" decimals="-6" id="f-716" unitRef="usd">1680000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-81" decimals="-6" id="f-717" unitRef="usd">174000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets contextRef="c-82" decimals="-6" id="f-718" unitRef="usd">-1000000</us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-83" decimals="-6" id="f-719" unitRef="usd">173000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-74" decimals="-6" id="f-720" unitRef="usd">12218000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets contextRef="c-71" decimals="-6" id="f-721" unitRef="usd">-477000000</us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialAssets>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-70" decimals="-6" id="f-722" unitRef="usd">11741000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets contextRef="c-74" decimals="-6" id="f-723" unitRef="usd">464000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets contextRef="c-70" decimals="-6" id="f-724" unitRef="usd">464000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther contextRef="c-74" decimals="-6" id="f-725" unitRef="usd">679000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets contextRef="c-71" decimals="-6" id="f-726" unitRef="usd">-169000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAssets>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther contextRef="c-70" decimals="-6" id="f-727" unitRef="usd">510000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets contextRef="c-74" decimals="-6" id="f-728" unitRef="usd">38636000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets contextRef="c-71" decimals="-6" id="f-729" unitRef="usd">-788000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets contextRef="c-70" decimals="-6" id="f-730" unitRef="usd">37848000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits contextRef="c-74" decimals="-6" id="f-731" unitRef="usd">33568000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits>
    <us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities contextRef="c-71" decimals="-6" id="f-732" unitRef="usd">-61000000</us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFinancialLiabilities>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits contextRef="c-70" decimals="-6" id="f-733" unitRef="usd">33507000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther contextRef="c-74" decimals="-6" id="f-734" unitRef="usd">2982000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities contextRef="c-71" decimals="-6" id="f-735" unitRef="usd">-857000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiabilities>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther contextRef="c-70" decimals="-6" id="f-736" unitRef="usd">2125000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities contextRef="c-74" decimals="-6" id="f-737" unitRef="usd">36550000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities contextRef="c-71" decimals="-6" id="f-738" unitRef="usd">-918000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities contextRef="c-84" decimals="-6" id="f-739" unitRef="usd">35632000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet contextRef="c-74" decimals="-6" id="f-740" unitRef="usd">2086000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet>
    <us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred contextRef="c-71" decimals="-6" id="f-741" unitRef="usd">-130000000</us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet contextRef="c-84" decimals="-6" id="f-742" unitRef="usd">2216000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-72" decimals="-6" id="f-743" unitRef="usd">2001000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain contextRef="c-71" decimals="-6" id="f-744" unitRef="usd">130000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentBargainPurchaseGain>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-73" decimals="-6" id="f-745" unitRef="usd">2131000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC contextRef="c-1" decimals="-6" id="f-746" unitRef="usd">449000000</fbc:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReturnedToTheFDIC>
    <us-gaap:RestructuringCharges contextRef="c-71" decimals="-6" id="f-747" unitRef="usd">223000000</us-gaap:RestructuringCharges>
    <us-gaap:BusinessCombinationsPolicy contextRef="c-1" id="f-748">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date, reflecting assumptions that a market participant would use when pricing an asset or liability. In some cases, the estimation of fair values requires management to make estimates about discount rates, future expected cash flows, market conditions, and other future events that are highly subjective in nature and are subject to change. Described below are the methods used to determine the fair values of the significant assets acquired and liabilities assumed in the Signature Transaction.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash and Cash Equivalents&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated fair value of cash and cash equivalents approximates their stated face amounts, as these financial instruments are either due on demand or have short-term maturities.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans and leases&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair value for loans was based on a discounted cash flow methodology that considered credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans were grouped together according to similar characteristics and were treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions were the key factors driving credit losses which were embedded into the estimated cash flows. These assumptions were informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate was determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;discount rates do not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. Acquired loans were marked to fair value and adjusted for any PCD gross up as of the date of the Signature Transaction.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Deposit Liabilities&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair value of deposit liabilities with no stated maturity (i.e., non-interest-bearing and interest-bearing checking accounts) is equal to the carrying amounts payable on demand. The fair value of certificates of deposit represents contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Core Deposit Intangible&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Core deposit intangible (&#x201c;CDI&#x201d;) is a measure of the value of non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts that are acquired in a business combination. The fair value of the CDI was determined using a discounted cashflow methodology which considered discount rate, customer attrition rates, and other relevant market assumptions. This method estimated the fair value by discounting the present value of the expected cost savings attributable to the core deposit funding, relative to an alternative source of funding. The CDI relating to the Signature Transaction will be amortized over an estimated useful life of 10 years using the sum of years digits depreciation method. The Company evaluates such identifiable intangibles for impairment when an indication of impairment exists. CDI does not significantly impact our liquidity or capital ratios.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;PCD loans&lt;/span&gt;&lt;/div&gt;Purchased loans that reflect a more than insignificant deterioration of credit from origination are considered PCD. For PCD loans and leases, the initial estimate of expected credit losses is recognized in the allowance for credit losses (&#x201c;ACL&#x201d;) on the date of acquisition using the same methodology as other loans and leases held-for-investment&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The methods and significant assumptions used to estimate fair values for the Company&#x2019;s financial instruments follow: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash and Cash Equivalents &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Cash and cash equivalents include cash and due from banks and federal funds sold. The estimated fair values of cash and cash equivalents are assumed to equal their carrying values, as these financial instruments are either due on demand or have short-term maturities. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Securities &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, pricing models also incorporate transaction details such as maturities and cash flow assumptions. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Federal Home Loan Bank Stock &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Ownership in equity securities of the FHLB is generally restricted and there is no established liquid market for their resale. The carrying amount approximates the fair value. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans and leases&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company discloses the fair value of loans measured at amortized cost using an exit price notion. The Company determined the fair value on substantially all of its loans for disclosure purposes, on an individual loan basis. The discount rates reflect current market rates for loans with similar terms to borrowers having similar credit quality on an exit price basis. For those loans where a discounted cash flow technique was not considered reliable, the Company used a quoted market price for each individual loan. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;MSRs&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The significant unobservable inputs used in the fair value measurement of the MSRs are option adjusted spreads, prepayment rates and cost to service. Significant increases (decreases) in all three assumptions in isolation result in a significantly lower (higher) fair value measurement. Weighted average life (in years) is used to determine the change in fair value of MSRs. For December&#160;31, 2023, the weighted average life (in years) for the entire  portfolio was 6.83.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Rate lock commitments&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The significant unobservable input used in the fair value measurement of the rate lock commitments is the pull through rate. The pull through rate is a statistical analysis of our actual rate lock fallout history to determine the sensitivity of the residential mortgage loan pipeline compared to interest rate changes and other deterministic values. New market prices are applied based on updated loan characteristics and new fallout ratios (i.e. the inverse of the pull through rate) are applied accordingly. Significant increases (decreases) in the pull through rate in isolation result in a significantly higher (lower) fair value measurement.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Deposits &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair values of deposit liabilities with no stated maturity (i.e., interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts) are equal to the carrying amounts payable on demand. The fair values of CDs represent contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities. These estimated fair values do not include the intangible value of core deposit relationships, which comprise a portion of the Company&#x2019;s deposit base. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Borrowed Funds &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated fair value of borrowed funds is based either on bid quotations received from securities dealers or the discounted value of contractual cash flows with interest rates currently in effect for borrowed funds with similar maturities and structures.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Off-Balance Sheet Financial Instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;The fair values of commitments to extend credit and unadvanced lines of credit are estimated based on an analysis of the interest rates and fees currently charged to enter into similar transactions, considering the remaining terms of the commitments and the creditworthiness of the potential borrowers. The estimated fair values of such off-balance sheet financial instruments were insignificant at December&#160;31, 2023 and December&#160;31, 2022.</us-gaap:BusinessCombinationsPolicy>
    <us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife contextRef="c-85" id="f-749">P10Y</us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife>
    <fbc:FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock contextRef="c-1" id="f-750">The following table provides a summary of loans and leases purchased as part of the Signature Transaction with credit deterioration and the associated credit loss reserve at acquisition: &lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:83.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Par value (UPB)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;583&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;ACL at acquisition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-credit (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;494&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;The following table provides a summary of loans and leases purchased as part of the Flagstar acquisition with credit deterioration and the associated credit loss reserve at acquisition:&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:83.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Par value (UPB)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,950&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;ACL at acquisition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-credit (discount)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,866&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fbc:FinancingReceivablePurchasedWithCreditDeteriorationTableTextBlock>
    <us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue contextRef="c-71" decimals="-6" id="f-751" unitRef="usd">583000000</us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue>
    <us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate contextRef="c-71" decimals="-6" id="f-752" unitRef="usd">13000000</us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate>
    <us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium contextRef="c-71" decimals="-6" id="f-753" unitRef="usd">76000000</us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium>
    <us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice contextRef="c-71" decimals="-6" id="f-754" unitRef="usd">494000000</us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice>
    <us-gaap:BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued contextRef="c-86" decimals="4" id="f-755" unitRef="shares">4.0151</us-gaap:BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued>
    <fbc:NumberOfBranches contextRef="c-87" decimals="INF" id="f-756" unitRef="loan">158</fbc:NumberOfBranches>
    <fbc:NumberOfStatesInWhichOfficesAreLocated
      contextRef="c-88"
      decimals="INF"
      id="f-757"
      unitRef="states">50</fbc:NumberOfStatesInWhichOfficesAreLocated>
    <us-gaap:BusinessCombinationConsiderationTransferred1 contextRef="c-86" decimals="-6" id="f-758" unitRef="usd">2010000000</us-gaap:BusinessCombinationConsiderationTransferred1>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents contextRef="c-88" decimals="-6" id="f-759" unitRef="usd">331000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities contextRef="c-88" decimals="-6" id="f-760" unitRef="usd">2695000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSecurities>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale contextRef="c-88" decimals="-6" id="f-761" unitRef="usd">1257000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-89" decimals="-6" id="f-762" unitRef="usd">5438000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-90" decimals="-6" id="f-763" unitRef="usd">3891000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-91" decimals="-6" id="f-764" unitRef="usd">6523000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-92" decimals="-6" id="f-765" unitRef="usd">2156000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment contextRef="c-88" decimals="-6" id="f-766" unitRef="usd">18008000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForInvestment>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets contextRef="c-88" decimals="-6" id="f-767" unitRef="usd">292000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCoreDepositAndOtherIntangibleAssets>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights contextRef="c-88" decimals="-6" id="f-768" unitRef="usd">1012000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedMortgageServicingRights>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther contextRef="c-88" decimals="-6" id="f-769" unitRef="usd">2158000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsOther>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets contextRef="c-88" decimals="-6" id="f-770" unitRef="usd">25753000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets>
    <fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits contextRef="c-88" decimals="-6" id="f-771" unitRef="usd">15995000000</fbc:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt contextRef="c-93" decimals="-6" id="f-772" unitRef="usd">6700000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesLongTermDebt>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther contextRef="c-93" decimals="-6" id="f-773" unitRef="usd">889000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesOther>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities contextRef="c-93" decimals="-6" id="f-774" unitRef="usd">23584000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities>
    <us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet contextRef="c-93" decimals="-6" id="f-775" unitRef="usd">2169000000</us-gaap:BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-86" decimals="-6" id="f-776" unitRef="usd">159000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount contextRef="c-94" decimals="-6" id="f-777" unitRef="usd">159000000</us-gaap:BusinessCombinationBargainPurchaseGainRecognizedAmount>
    <us-gaap:BusinessAcquisitionCostOfAcquiredEntityTransactionCosts contextRef="c-88" decimals="-6" id="f-778" unitRef="usd">99000000</us-gaap:BusinessAcquisitionCostOfAcquiredEntityTransactionCosts>
    <us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife contextRef="c-85" id="f-779">P10Y</us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife>
    <us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue contextRef="c-86" decimals="-6" id="f-780" unitRef="usd">1950000000</us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue>
    <us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate contextRef="c-86" decimals="-6" id="f-781" unitRef="usd">51000000</us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate>
    <us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium contextRef="c-86" decimals="-6" id="f-782" unitRef="usd">33000000</us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium>
    <us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice contextRef="c-86" decimals="-6" id="f-783" unitRef="usd">1866000000</us-gaap:FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice>
    <us-gaap:BusinessAcquisitionProFormaInformationTextBlock contextRef="c-1" id="f-784">&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:68.086%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.016%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.017%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(unaudited)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net interest income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,278&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-interest income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;804&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,207&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net income available to common stockholders&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;771&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:BusinessAcquisitionProFormaInformationTextBlock>
    <fbc:BusinessAcquisitionsProFormaNetIncomeInterest contextRef="c-95" decimals="-6" id="f-785" unitRef="usd">2278000000</fbc:BusinessAcquisitionsProFormaNetIncomeInterest>
    <fbc:BusinessAcquisitionsProFormaNetIncomeInterest contextRef="c-96" decimals="-6" id="f-786" unitRef="usd">2208000000</fbc:BusinessAcquisitionsProFormaNetIncomeInterest>
    <fbc:BusinessAcquisitionsProFormaNonInterestIncome contextRef="c-95" decimals="-6" id="f-787" unitRef="usd">650000000</fbc:BusinessAcquisitionsProFormaNonInterestIncome>
    <fbc:BusinessAcquisitionsProFormaNonInterestIncome contextRef="c-96" decimals="-6" id="f-788" unitRef="usd">1105000000</fbc:BusinessAcquisitionsProFormaNonInterestIncome>
    <us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss contextRef="c-95" decimals="-6" id="f-789" unitRef="usd">804000000</us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss>
    <us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss contextRef="c-96" decimals="-6" id="f-790" unitRef="usd">1207000000</us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss>
    <fbc:BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders contextRef="c-95" decimals="-6" id="f-791" unitRef="usd">771000000</fbc:BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders>
    <fbc:BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders contextRef="c-96" decimals="-6" id="f-792" unitRef="usd">1174000000</fbc:BusinessAcquisitionsProFormaNetIncomeAvailableToCommonStockholders>
    <us-gaap:ComprehensiveIncomeNoteTextBlock contextRef="c-1" id="f-793">Accumulated Other Comprehensive Income&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table sets forth the components in accumulated other comprehensive income:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Details about Accumulated Other Comprehensive Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount Reclassified out of Accumulated Other Comprehensive Loss&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Affected Line Item in the Consolidated Statements of Income and Comprehensive Income&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized gains on available-for-sale securities:&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on securities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax expense&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on securities, net of tax&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized gains on cash flow hedges:&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax benefit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on cash flow hedges, net of tax&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of defined benefit pension plan items:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Past service liability&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Included in the computation of net periodic credit&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Included in the computation of net periodic cost&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total before tax&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax benefit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of defined benefit pension plan items, net of tax&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total reclassifications for the period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Amounts in parentheses indicate expense items. &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;See Note 20 - Employee Benefits  for additional information.</us-gaap:ComprehensiveIncomeNoteTextBlock>
    <us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock contextRef="c-1" id="f-794">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table sets forth the components in accumulated other comprehensive income:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.907%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Details about Accumulated Other Comprehensive Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount Reclassified out of Accumulated Other Comprehensive Loss&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Affected Line Item in the Consolidated Statements of Income and Comprehensive Income&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized gains on available-for-sale securities:&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on securities&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax expense&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on securities, net of tax&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized gains on cash flow hedges:&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest expense&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax benefit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on cash flow hedges, net of tax&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of defined benefit pension plan items:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Past service liability&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Included in the computation of net periodic credit&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Included in the computation of net periodic cost&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total before tax&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax benefit&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of defined benefit pension plan items, net of tax&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total reclassifications for the period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Amounts in parentheses indicate expense items. &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;See Note 20 - Employee Benefits  for additional information.</us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock>
    <us-gaap:DebtAndEquitySecuritiesGainLoss contextRef="c-97" decimals="-6" id="f-795" unitRef="usd">0</us-gaap:DebtAndEquitySecuritiesGainLoss>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-97" decimals="-6" id="f-796" unitRef="usd">0</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:NetIncomeLoss contextRef="c-97" decimals="-6" id="f-797" unitRef="usd">0</us-gaap:NetIncomeLoss>
    <us-gaap:InterestExpense contextRef="c-98" decimals="-6" id="f-798" unitRef="usd">65000000</us-gaap:InterestExpense>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-98" decimals="-6" id="f-799" unitRef="usd">17000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:NetIncomeLoss contextRef="c-98" decimals="-6" id="f-800" unitRef="usd">48000000</us-gaap:NetIncomeLoss>
    <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c-99" decimals="-6" id="f-801" unitRef="usd">0</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
    <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c-100" decimals="-6" id="f-802" unitRef="usd">7000000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
    <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c-101" decimals="-6" id="f-803" unitRef="usd">7000000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-101" decimals="-6" id="f-804" unitRef="usd">-1000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:NetIncomeLoss contextRef="c-101" decimals="-6" id="f-805" unitRef="usd">6000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-102" decimals="-6" id="f-806" unitRef="usd">42000000</us-gaap:NetIncomeLoss>
    <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock contextRef="c-1" id="f-807">Investment Securities&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables summarize the Company&#x2019;s portfolio of debt securities available for sale and equity investments with readily determinable fair values: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.502%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.285%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Unrealized Gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Debt securities available-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-Related Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage-related debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total debt securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total equity securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,958&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Excludes accrued interest receivable of $38&#160;million included in &lt;span style="-sec-ix-hidden:f-872"&gt;other assets&lt;/span&gt; in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.695%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.695%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.261%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Unrealized Gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Debt securities available-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-Related Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;185&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage-related debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total equity securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Excludes accrued interest receivable of $31&#160;million included in other assets in the Consolidated Statements of Condition. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023, the Company &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;had $861&#160;million and $329&#160;million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; of FHLB-NY stock, at cost and FHLB-Indianapolis stock, at cost, respectively. At December&#160;31, 2022, the Company had $762&#160;million and $329&#160;million of FHLB-NY stock, at cost and FHLB-Indianapolis stock, at cost, respectively. The Company maintains an investment in FHLB-NY stock partly in conjunction with its membership in the FHLB and partly related to its access to the FHLB funding it utilizes.  In addition, at December&#160;31, 2023 and December&#160;31, 2022, the Company had $203&#160;million and $176&#160;million of Federal Reserve Bank stock, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the gross proceeds, gross realized gains, and gross realized losses from the sale of available-for-sale securities during the years-ended:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.955%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.264%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.414%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.959%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.414%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.194%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;( in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross proceeds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,637&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross realized gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross realized losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;There were no unrealized losses on equity securities recognized in earnings for the years ended December 31, 2023. For the years ended December&#160;31, 2022 and 2021 there were unrealized losses on equity securities of $2&#160;million and zero recognized in earnings, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes, by contractual maturity, the amortized cost of securities at December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.550%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.809%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.784%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.471%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage- Related Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Government and GSE Obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;State, County, and Municipal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;( in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Available-for-Sale Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Due within one year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;448&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Due from one to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Due from five to ten years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Due after ten years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,541&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total debt securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Includes corporate bonds, capital trust notes, foreign notes, and asset-backed securities. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of December&#160;31, 2023: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.157%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.287%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less than Twelve Months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Twelve Months or Longer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Temporarily Impaired Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Government agency and GSE obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total temporarily impaired securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of  December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.671%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.841%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less than Twelve Months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Twelve Months or Longer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Temporarily Impaired Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Government agency and GSE obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;323&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total temporarily impaired securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The investment securities designated as having a continuous loss position for twelve months or more at December&#160;31, 2023 consisted of eighty-four agency collateralized mortgage obligations, six capital trusts note, eight asset-backed securities,  twelve corporate bonds, thirty-seven US government agency bonds, three hundred two mortgage-backed securities, one mutual fund, one foreign debt, and one municipal bond . The investment securities designated as having a continuous loss position for twelve months or more at December&#160;31, 2022 consisted of twenty three agency collateralized mortgage obligations, five capital trusts notes, seven asset-backed securities, two corporate bonds, thirty three US government agency bonds, one hundred thirty three mortgage-backed securities, one mutual fund, and one municipal bond.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company evaluates available-for-sale debt securities in unrealized loss positions at least quarterly to determine if an allowance for credit losses is required. We also assess whether (i) we intend to sell, or (ii) it is more likely than not that we will be required to sell the security before recovery of its amortized cost basis. If either of these criteria is met, any previously recognized allowances are charged off and the security&#x2019;s amortized cost basis is written down to fair value through income. If neither of the aforementioned criteria are met, we evaluate whether the decline in fair value has resulted from credit losses or other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In the first quarter of 2023, the Company held a $20&#160;million corporate bond in Signature Bank which was placed into receivership on March 12, 2023. We have taken a $20&#160;million provision for credit loss and charged-off this security during the three months ended March 31, 2023. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;None of the remaining unrealized losses identified as of December&#160;31, 2023 or December&#160;31, 2022 relates to the marketability of the securities or the issuers&#x2019; ability to honor redemption obligations. Rather, the unrealized losses relate to changes in interest rates relative to when the investment securities were purchased, and do not indicate credit-related impairment. Management based this conclusion on an analysis of each issuer including a detailed credit assessment of each issuer. The Company does not intend to sell, and it is not more likely than not that the Company will be required to sell the positions before the recovery of their amortized cost basis, which may be at maturity. As such, no allowance for credit losses remains with respect to debt securities as of December&#160;31, 2023.&lt;/span&gt;&lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
    <us-gaap:TradingSecuritiesAndCertainTradingAssetsTextBlock contextRef="c-1" id="f-808">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables summarize the Company&#x2019;s portfolio of debt securities available for sale and equity investments with readily determinable fair values: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:56.502%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.285%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Unrealized Gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Debt securities available-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-Related Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,366&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage-related debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,899&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;365&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,907&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total debt securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,942&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;859&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total equity securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,958&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Excludes accrued interest receivable of $38&#160;million included in &lt;span style="-sec-ix-hidden:f-872"&gt;other assets&lt;/span&gt; in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.695%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.695%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.261%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Unrealized Gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Debt securities available-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-Related Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,457&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,301&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;185&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;191&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage-related debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,242&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;460&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,491&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,749&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;375&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;361&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;913&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;885&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign Notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,675&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;411&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,917&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mutual funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total equity securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;The underlying assets of the asset-backed securities are substantially guaranteed by the U.S. Government. &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;Excludes accrued interest receivable of $31&#160;million included in other assets in the Consolidated Statements of Condition.</us-gaap:TradingSecuritiesAndCertainTradingAssetsTextBlock>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-103" decimals="-6" id="f-809" unitRef="usd">1366000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-103" decimals="-6" id="f-810" unitRef="usd">1000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-103" decimals="-6" id="f-811" unitRef="usd">146000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-103" decimals="-6" id="f-812" unitRef="usd">1221000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-104" decimals="-6" id="f-813" unitRef="usd">5495000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-104" decimals="-6" id="f-814" unitRef="usd">48000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-104" decimals="-6" id="f-815" unitRef="usd">381000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-104" decimals="-6" id="f-816" unitRef="usd">5162000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-105" decimals="-6" id="f-817" unitRef="usd">174000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-105" decimals="-6" id="f-818" unitRef="usd">7000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-105" decimals="-6" id="f-819" unitRef="usd">1000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-105" decimals="-6" id="f-820" unitRef="usd">180000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-106" decimals="-6" id="f-821" unitRef="usd">7035000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-106" decimals="-6" id="f-822" unitRef="usd">56000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-106" decimals="-6" id="f-823" unitRef="usd">528000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-106" decimals="-6" id="f-824" unitRef="usd">6563000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-107" decimals="-6" id="f-825" unitRef="usd">198000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-107" decimals="-6" id="f-826" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-107" decimals="-6" id="f-827" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-107" decimals="-6" id="f-828" unitRef="usd">198000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-108" decimals="-6" id="f-829" unitRef="usd">1899000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-108" decimals="-6" id="f-830" unitRef="usd">1000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-108" decimals="-6" id="f-831" unitRef="usd">291000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-108" decimals="-6" id="f-832" unitRef="usd">1609000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-109" decimals="-6" id="f-833" unitRef="usd">307000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-109" decimals="-6" id="f-834" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-109" decimals="-6" id="f-835" unitRef="usd">5000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-109" decimals="-6" id="f-836" unitRef="usd">302000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-110" decimals="-6" id="f-837" unitRef="usd">6000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-110" decimals="-6" id="f-838" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-110" decimals="-6" id="f-839" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-110" decimals="-6" id="f-840" unitRef="usd">6000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-111" decimals="-6" id="f-841" unitRef="usd">365000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-111" decimals="-6" id="f-842" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-111" decimals="-6" id="f-843" unitRef="usd">22000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-111" decimals="-6" id="f-844" unitRef="usd">343000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-112" decimals="-6" id="f-845" unitRef="usd">35000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-112" decimals="-6" id="f-846" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-112" decimals="-6" id="f-847" unitRef="usd">1000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-112" decimals="-6" id="f-848" unitRef="usd">34000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-113" decimals="-6" id="f-849" unitRef="usd">97000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-113" decimals="-6" id="f-850" unitRef="usd">5000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-113" decimals="-6" id="f-851" unitRef="usd">12000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-113" decimals="-6" id="f-852" unitRef="usd">90000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-114" decimals="-6" id="f-853" unitRef="usd">2907000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-114" decimals="-6" id="f-854" unitRef="usd">6000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-114" decimals="-6" id="f-855" unitRef="usd">331000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-114" decimals="-6" id="f-856" unitRef="usd">2582000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-115" decimals="-6" id="f-857" unitRef="usd">9942000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-115" decimals="-6" id="f-858" unitRef="usd">62000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-115" decimals="-6" id="f-859" unitRef="usd">859000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-115" decimals="-6" id="f-860" unitRef="usd">9145000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:EquitySecuritiesFvNiCost contextRef="c-116" decimals="-6" id="f-861" unitRef="usd">16000000</us-gaap:EquitySecuritiesFvNiCost>
    <fbc:EquitySecuritiesUnrealizedLoss contextRef="c-116" decimals="-6" id="f-862" unitRef="usd">2000000</fbc:EquitySecuritiesUnrealizedLoss>
    <us-gaap:EquitySecuritiesFvNi contextRef="c-116" decimals="-6" id="f-863" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNi>
    <us-gaap:EquitySecuritiesFvNiCost contextRef="c-117" decimals="-6" id="f-864" unitRef="usd">16000000</us-gaap:EquitySecuritiesFvNiCost>
    <fbc:EquitySecuritiesUnrealizedLoss contextRef="c-117" decimals="-6" id="f-865" unitRef="usd">2000000</fbc:EquitySecuritiesUnrealizedLoss>
    <us-gaap:EquitySecuritiesFvNi contextRef="c-117" decimals="-6" id="f-866" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNi>
    <fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities contextRef="c-7" decimals="-6" id="f-867" unitRef="usd">9958000000</fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities>
    <fbc:MarketableSecuritiesGrossUnrealizedGain contextRef="c-7" decimals="-6" id="f-868" unitRef="usd">62000000</fbc:MarketableSecuritiesGrossUnrealizedGain>
    <fbc:MarketableSecuritiesGrossUnrealizedLoss contextRef="c-7" decimals="-6" id="f-869" unitRef="usd">861000000</fbc:MarketableSecuritiesGrossUnrealizedLoss>
    <fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent contextRef="c-7" decimals="-6" id="f-870" unitRef="usd">9159000000</fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent>
    <us-gaap:DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-871" unitRef="usd">38000000</us-gaap:DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-118" decimals="-6" id="f-873" unitRef="usd">1457000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-118" decimals="-6" id="f-874" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-118" decimals="-6" id="f-875" unitRef="usd">160000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-118" decimals="-6" id="f-876" unitRef="usd">1297000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-119" decimals="-6" id="f-877" unitRef="usd">3600000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-119" decimals="-6" id="f-878" unitRef="usd">1000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-119" decimals="-6" id="f-879" unitRef="usd">300000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-119" decimals="-6" id="f-880" unitRef="usd">3301000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-120" decimals="-6" id="f-881" unitRef="usd">185000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-120" decimals="-6" id="f-882" unitRef="usd">6000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-120" decimals="-6" id="f-883" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-120" decimals="-6" id="f-884" unitRef="usd">191000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-121" decimals="-6" id="f-885" unitRef="usd">5242000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-121" decimals="-6" id="f-886" unitRef="usd">7000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-121" decimals="-6" id="f-887" unitRef="usd">460000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-121" decimals="-6" id="f-888" unitRef="usd">4789000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-122" decimals="-6" id="f-889" unitRef="usd">1491000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-122" decimals="-6" id="f-890" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-122" decimals="-6" id="f-891" unitRef="usd">4000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-122" decimals="-6" id="f-892" unitRef="usd">1487000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-123" decimals="-6" id="f-893" unitRef="usd">1749000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-123" decimals="-6" id="f-894" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-123" decimals="-6" id="f-895" unitRef="usd">351000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-123" decimals="-6" id="f-896" unitRef="usd">1398000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-124" decimals="-6" id="f-897" unitRef="usd">375000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-124" decimals="-6" id="f-898" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-124" decimals="-6" id="f-899" unitRef="usd">14000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-124" decimals="-6" id="f-900" unitRef="usd">361000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-125" decimals="-6" id="f-901" unitRef="usd">30000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-125" decimals="-6" id="f-902" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-125" decimals="-6" id="f-903" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-125" decimals="-6" id="f-904" unitRef="usd">30000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-126" decimals="-6" id="f-905" unitRef="usd">913000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-126" decimals="-6" id="f-906" unitRef="usd">2000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-126" decimals="-6" id="f-907" unitRef="usd">30000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-126" decimals="-6" id="f-908" unitRef="usd">885000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-127" decimals="-6" id="f-909" unitRef="usd">20000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-127" decimals="-6" id="f-910" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-127" decimals="-6" id="f-911" unitRef="usd">0</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-127" decimals="-6" id="f-912" unitRef="usd">20000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-128" decimals="-6" id="f-913" unitRef="usd">97000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-128" decimals="-6" id="f-914" unitRef="usd">5000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-128" decimals="-6" id="f-915" unitRef="usd">12000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-128" decimals="-6" id="f-916" unitRef="usd">90000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-129" decimals="-6" id="f-917" unitRef="usd">4675000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-129" decimals="-6" id="f-918" unitRef="usd">7000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-129" decimals="-6" id="f-919" unitRef="usd">411000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-129" decimals="-6" id="f-920" unitRef="usd">4271000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-130" decimals="-6" id="f-921" unitRef="usd">9917000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax contextRef="c-130" decimals="-6" id="f-922" unitRef="usd">14000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax>
    <us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax contextRef="c-130" decimals="-6" id="f-923" unitRef="usd">871000000</us-gaap:AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-130" decimals="-6" id="f-924" unitRef="usd">9060000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:EquitySecuritiesFvNiCost contextRef="c-131" decimals="-6" id="f-925" unitRef="usd">16000000</us-gaap:EquitySecuritiesFvNiCost>
    <fbc:MarketableSecuritiesGrossUnrealizedLoss contextRef="c-131" decimals="-6" id="f-926" unitRef="usd">2000000</fbc:MarketableSecuritiesGrossUnrealizedLoss>
    <us-gaap:EquitySecuritiesFvNi contextRef="c-131" decimals="-6" id="f-927" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNi>
    <us-gaap:EquitySecuritiesFvNiCost contextRef="c-132" decimals="-6" id="f-928" unitRef="usd">16000000</us-gaap:EquitySecuritiesFvNiCost>
    <fbc:MarketableSecuritiesGrossUnrealizedLoss contextRef="c-132" decimals="-6" id="f-929" unitRef="usd">2000000</fbc:MarketableSecuritiesGrossUnrealizedLoss>
    <us-gaap:EquitySecuritiesFvNi contextRef="c-132" decimals="-6" id="f-930" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNi>
    <fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities contextRef="c-8" decimals="-6" id="f-931" unitRef="usd">9933000000</fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecurities>
    <fbc:MarketableSecuritiesGrossUnrealizedGain contextRef="c-8" decimals="-6" id="f-932" unitRef="usd">14000000</fbc:MarketableSecuritiesGrossUnrealizedGain>
    <fbc:MarketableSecuritiesGrossUnrealizedLoss contextRef="c-8" decimals="-6" id="f-933" unitRef="usd">873000000</fbc:MarketableSecuritiesGrossUnrealizedLoss>
    <fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent contextRef="c-8" decimals="-6" id="f-934" unitRef="usd">9074000000</fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent>
    <us-gaap:DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss contextRef="c-8" decimals="-6" id="f-935" unitRef="usd">31000000</us-gaap:DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FederalHomeLoanBankStock contextRef="c-133" decimals="-6" id="f-936" unitRef="usd">861000000</us-gaap:FederalHomeLoanBankStock>
    <us-gaap:FederalHomeLoanBankStock contextRef="c-134" decimals="-6" id="f-937" unitRef="usd">329000000</us-gaap:FederalHomeLoanBankStock>
    <us-gaap:FederalHomeLoanBankStock contextRef="c-135" decimals="-6" id="f-938" unitRef="usd">762000000</us-gaap:FederalHomeLoanBankStock>
    <us-gaap:FederalHomeLoanBankStock contextRef="c-136" decimals="-6" id="f-939" unitRef="usd">329000000</us-gaap:FederalHomeLoanBankStock>
    <us-gaap:FederalReserveBankStock contextRef="c-7" decimals="-6" id="f-940" unitRef="usd">203000000</us-gaap:FederalReserveBankStock>
    <us-gaap:FederalReserveBankStock contextRef="c-8" decimals="-6" id="f-941" unitRef="usd">176000000</us-gaap:FederalReserveBankStock>
    <us-gaap:ScheduleOfRealizedGainLossTableTextBlock contextRef="c-1" id="f-942">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the gross proceeds, gross realized gains, and gross realized losses from the sale of available-for-sale securities during the years-ended:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:95.175%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.955%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.264%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.414%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.959%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.414%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.194%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;( in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross proceeds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,637&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross realized gains&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross realized losses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfRealizedGainLossTableTextBlock>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-1" decimals="-6" id="f-943" unitRef="usd">1637000000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-9" decimals="-6" id="f-944" unitRef="usd">228000000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt contextRef="c-10" decimals="-6" id="f-945" unitRef="usd">0</us-gaap:ProceedsFromSaleOfAvailableForSaleSecuritiesDebt>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedGain contextRef="c-1" decimals="-6" id="f-946" unitRef="usd">2000000</us-gaap:DebtSecuritiesAvailableForSaleRealizedGain>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedGain contextRef="c-9" decimals="-6" id="f-947" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleRealizedGain>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedGain contextRef="c-10" decimals="-6" id="f-948" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleRealizedGain>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss contextRef="c-1" decimals="-6" id="f-949" unitRef="usd">-3000000</us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss contextRef="c-9" decimals="-6" id="f-950" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss contextRef="c-10" decimals="-6" id="f-951" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleRealizedLoss>
    <us-gaap:EquitySecuritiesFvNiUnrealizedLoss contextRef="c-137" decimals="INF" id="f-952" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiUnrealizedLoss>
    <us-gaap:EquitySecuritiesFvNiUnrealizedLoss contextRef="c-9" decimals="-6" id="f-953" unitRef="usd">2000000</us-gaap:EquitySecuritiesFvNiUnrealizedLoss>
    <us-gaap:EquitySecuritiesFvNiUnrealizedLoss contextRef="c-10" decimals="INF" id="f-954" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiUnrealizedLoss>
    <us-gaap:HeldToMaturitySecuritiesTextBlock contextRef="c-1" id="f-955">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes, by contractual maturity, the amortized cost of securities at December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.853%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.550%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.809%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.784%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.385%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.471%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage- Related Securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Government and GSE Obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;State, County, and Municipal&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;( in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Available-for-Sale Debt Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Due within one year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;448&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Due from one to five years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;353&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;560&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Due from five to ten years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;316&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,502&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,597&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Due after ten years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,541&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total debt securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,035&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,096&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;803&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;Includes corporate bonds, capital trust notes, foreign notes, and asset-backed securities.</us-gaap:HeldToMaturitySecuritiesTextBlock>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost contextRef="c-106" decimals="-6" id="f-956" unitRef="usd">0</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost contextRef="c-138" decimals="-6" id="f-957" unitRef="usd">448000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost contextRef="c-139" decimals="-6" id="f-958" unitRef="usd">0</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost contextRef="c-140" decimals="-6" id="f-959" unitRef="usd">0</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost contextRef="c-7" decimals="-6" id="f-960" unitRef="usd">446000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost contextRef="c-106" decimals="-6" id="f-961" unitRef="usd">178000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost contextRef="c-138" decimals="-6" id="f-962" unitRef="usd">50000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost contextRef="c-139" decimals="-6" id="f-963" unitRef="usd">0</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost contextRef="c-140" decimals="-6" id="f-964" unitRef="usd">353000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost contextRef="c-7" decimals="-6" id="f-965" unitRef="usd">560000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost contextRef="c-106" decimals="-6" id="f-966" unitRef="usd">316000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost contextRef="c-138" decimals="-6" id="f-967" unitRef="usd">1502000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost contextRef="c-139" decimals="-6" id="f-968" unitRef="usd">6000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost contextRef="c-140" decimals="-6" id="f-969" unitRef="usd">105000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost contextRef="c-7" decimals="-6" id="f-970" unitRef="usd">1597000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost contextRef="c-106" decimals="-6" id="f-971" unitRef="usd">6541000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost contextRef="c-138" decimals="-6" id="f-972" unitRef="usd">96000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost contextRef="c-139" decimals="-6" id="f-973" unitRef="usd">0</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost contextRef="c-140" decimals="-6" id="f-974" unitRef="usd">345000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost>
    <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost contextRef="c-7" decimals="-6" id="f-975" unitRef="usd">6542000000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-106" decimals="-6" id="f-976" unitRef="usd">7035000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-138" decimals="-6" id="f-977" unitRef="usd">2096000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-139" decimals="-6" id="f-978" unitRef="usd">6000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-140" decimals="-6" id="f-979" unitRef="usd">803000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-980" unitRef="usd">9145000000</us-gaap:DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock contextRef="c-1" id="f-981">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of December&#160;31, 2023: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.157%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.287%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less than Twelve Months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Twelve Months or Longer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Temporarily Impaired Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Government agency and GSE obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,362&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,543&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;843&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,835&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;304&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total temporarily impaired securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;777&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,555&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;861&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents securities having a continuous unrealized loss position for less than twelve months and for twelve months or longer as of  December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.671%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.841%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.996%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less than Twelve Months&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Twelve Months or Longer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unrealized Loss&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Temporarily Impaired Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Government agency and GSE obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;243&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;346&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,399&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;351&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;420&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;114&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,291&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,219&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;925&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;264&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;300&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;323&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;698&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;97&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;795&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total temporarily impaired securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,658&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;751&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,569&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;873&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-141" decimals="-6" id="f-982" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-141" decimals="-6" id="f-983" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-141" decimals="-6" id="f-984" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-141" decimals="-6" id="f-985" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-141" decimals="-6" id="f-986" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-141" decimals="-6" id="f-987" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-142" decimals="-6" id="f-988" unitRef="usd">181000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-142" decimals="-6" id="f-989" unitRef="usd">1000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-142" decimals="-6" id="f-990" unitRef="usd">1362000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-142" decimals="-6" id="f-991" unitRef="usd">290000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-142" decimals="-6" id="f-992" unitRef="usd">1543000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-142" decimals="-6" id="f-993" unitRef="usd">291000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-143" decimals="-6" id="f-994" unitRef="usd">312000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-143" decimals="-6" id="f-995" unitRef="usd">5000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-143" decimals="-6" id="f-996" unitRef="usd">843000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-143" decimals="-6" id="f-997" unitRef="usd">141000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-143" decimals="-6" id="f-998" unitRef="usd">1155000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-143" decimals="-6" id="f-999" unitRef="usd">146000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-144" decimals="-6" id="f-1000" unitRef="usd">29000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-144" decimals="-6" id="f-1001" unitRef="usd">1000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-144" decimals="-6" id="f-1002" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-144" decimals="-6" id="f-1003" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-144" decimals="-6" id="f-1004" unitRef="usd">29000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-144" decimals="-6" id="f-1005" unitRef="usd">1000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-145" decimals="-6" id="f-1006" unitRef="usd">1835000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-145" decimals="-6" id="f-1007" unitRef="usd">77000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-145" decimals="-6" id="f-1008" unitRef="usd">1312000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-145" decimals="-6" id="f-1009" unitRef="usd">304000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-145" decimals="-6" id="f-1010" unitRef="usd">3147000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-145" decimals="-6" id="f-1011" unitRef="usd">381000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-146" decimals="-6" id="f-1012" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-146" decimals="-6" id="f-1013" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-146" decimals="-6" id="f-1014" unitRef="usd">228000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-146" decimals="-6" id="f-1015" unitRef="usd">5000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-146" decimals="-6" id="f-1016" unitRef="usd">228000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-146" decimals="-6" id="f-1017" unitRef="usd">5000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-147" decimals="-6" id="f-1018" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-147" decimals="-6" id="f-1019" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-147" decimals="-6" id="f-1020" unitRef="usd">6000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-147" decimals="-6" id="f-1021" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-147" decimals="-6" id="f-1022" unitRef="usd">6000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-147" decimals="-6" id="f-1023" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-148" decimals="-6" id="f-1024" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-148" decimals="-6" id="f-1025" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-148" decimals="-6" id="f-1026" unitRef="usd">343000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-148" decimals="-6" id="f-1027" unitRef="usd">22000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-148" decimals="-6" id="f-1028" unitRef="usd">343000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-148" decimals="-6" id="f-1029" unitRef="usd">22000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-149" decimals="-6" id="f-1030" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-149" decimals="-6" id="f-1031" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-149" decimals="-6" id="f-1032" unitRef="usd">9000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-149" decimals="-6" id="f-1033" unitRef="usd">1000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-149" decimals="-6" id="f-1034" unitRef="usd">9000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-149" decimals="-6" id="f-1035" unitRef="usd">1000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-150" decimals="-6" id="f-1036" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-150" decimals="-6" id="f-1037" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-150" decimals="-6" id="f-1038" unitRef="usd">81000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-150" decimals="-6" id="f-1039" unitRef="usd">12000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-150" decimals="-6" id="f-1040" unitRef="usd">81000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-150" decimals="-6" id="f-1041" unitRef="usd">12000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-117" decimals="-6" id="f-1042" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-117" decimals="-6" id="f-1043" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-117" decimals="-6" id="f-1044" unitRef="usd">14000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-117" decimals="-6" id="f-1045" unitRef="usd">2000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-117" decimals="-6" id="f-1046" unitRef="usd">14000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-117" decimals="-6" id="f-1047" unitRef="usd">2000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-7" decimals="-6" id="f-1048" unitRef="usd">2357000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-7" decimals="-6" id="f-1049" unitRef="usd">84000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-7" decimals="-6" id="f-1050" unitRef="usd">4198000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-7" decimals="-6" id="f-1051" unitRef="usd">777000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-7" decimals="-6" id="f-1052" unitRef="usd">6555000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-7" decimals="-6" id="f-1053" unitRef="usd">861000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-151" decimals="-6" id="f-1054" unitRef="usd">1487000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-151" decimals="-6" id="f-1055" unitRef="usd">4000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-151" decimals="-6" id="f-1056" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-151" decimals="-6" id="f-1057" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-151" decimals="-6" id="f-1058" unitRef="usd">1487000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-151" decimals="-6" id="f-1059" unitRef="usd">4000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-152" decimals="-6" id="f-1060" unitRef="usd">243000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-152" decimals="-6" id="f-1061" unitRef="usd">5000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-152" decimals="-6" id="f-1062" unitRef="usd">1156000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-152" decimals="-6" id="f-1063" unitRef="usd">346000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-152" decimals="-6" id="f-1064" unitRef="usd">1399000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-152" decimals="-6" id="f-1065" unitRef="usd">351000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-153" decimals="-6" id="f-1066" unitRef="usd">871000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-153" decimals="-6" id="f-1067" unitRef="usd">46000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-153" decimals="-6" id="f-1068" unitRef="usd">420000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-153" decimals="-6" id="f-1069" unitRef="usd">114000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-153" decimals="-6" id="f-1070" unitRef="usd">1291000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-153" decimals="-6" id="f-1071" unitRef="usd">160000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-154" decimals="-6" id="f-1072" unitRef="usd">2219000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-154" decimals="-6" id="f-1073" unitRef="usd">36000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-154" decimals="-6" id="f-1074" unitRef="usd">925000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-154" decimals="-6" id="f-1075" unitRef="usd">264000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-154" decimals="-6" id="f-1076" unitRef="usd">3144000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-154" decimals="-6" id="f-1077" unitRef="usd">300000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-155" decimals="-6" id="f-1078" unitRef="usd">61000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-155" decimals="-6" id="f-1079" unitRef="usd">2000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-155" decimals="-6" id="f-1080" unitRef="usd">262000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-155" decimals="-6" id="f-1081" unitRef="usd">12000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-155" decimals="-6" id="f-1082" unitRef="usd">323000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-155" decimals="-6" id="f-1083" unitRef="usd">14000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-156" decimals="-6" id="f-1084" unitRef="usd">9000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-156" decimals="-6" id="f-1085" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-156" decimals="-6" id="f-1086" unitRef="usd">7000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-156" decimals="-6" id="f-1087" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-156" decimals="-6" id="f-1088" unitRef="usd">16000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-156" decimals="-6" id="f-1089" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-157" decimals="-6" id="f-1090" unitRef="usd">698000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-157" decimals="-6" id="f-1091" unitRef="usd">27000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-157" decimals="-6" id="f-1092" unitRef="usd">97000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-157" decimals="-6" id="f-1093" unitRef="usd">3000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-157" decimals="-6" id="f-1094" unitRef="usd">795000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-157" decimals="-6" id="f-1095" unitRef="usd">30000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-158" decimals="-6" id="f-1096" unitRef="usd">20000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-158" decimals="-6" id="f-1097" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-158" decimals="-6" id="f-1098" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-158" decimals="-6" id="f-1099" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-158" decimals="-6" id="f-1100" unitRef="usd">20000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-158" decimals="-6" id="f-1101" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-159" decimals="-6" id="f-1102" unitRef="usd">46000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-159" decimals="-6" id="f-1103" unitRef="usd">2000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-159" decimals="-6" id="f-1104" unitRef="usd">34000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-159" decimals="-6" id="f-1105" unitRef="usd">10000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-159" decimals="-6" id="f-1106" unitRef="usd">80000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-159" decimals="-6" id="f-1107" unitRef="usd">12000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-132" decimals="-6" id="f-1108" unitRef="usd">4000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-132" decimals="-6" id="f-1109" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-132" decimals="-6" id="f-1110" unitRef="usd">10000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-132" decimals="-6" id="f-1111" unitRef="usd">2000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-132" decimals="-6" id="f-1112" unitRef="usd">14000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-132" decimals="-6" id="f-1113" unitRef="usd">2000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months contextRef="c-8" decimals="-6" id="f-1114" unitRef="usd">5658000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss contextRef="c-8" decimals="-6" id="f-1115" unitRef="usd">122000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger contextRef="c-8" decimals="-6" id="f-1116" unitRef="usd">2911000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss contextRef="c-8" decimals="-6" id="f-1117" unitRef="usd">751000000</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition contextRef="c-8" decimals="-6" id="f-1118" unitRef="usd">8569000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPosition>
    <us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss contextRef="c-8" decimals="-6" id="f-1119" unitRef="usd">873000000</us-gaap:DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-160"
      decimals="INF"
      id="f-1120"
      unitRef="loan">84</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-161"
      decimals="INF"
      id="f-1121"
      unitRef="loan">6</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-162"
      decimals="INF"
      id="f-1122"
      unitRef="loan">8</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-163"
      decimals="INF"
      id="f-1123"
      unitRef="loan">12</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-164"
      decimals="INF"
      id="f-1124"
      unitRef="loan">37</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-165"
      decimals="INF"
      id="f-1125"
      unitRef="loan">302</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-166"
      decimals="INF"
      id="f-1126"
      unitRef="loan">1</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-167"
      decimals="INF"
      id="f-1127"
      unitRef="loan">1</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-168"
      decimals="INF"
      id="f-1128"
      unitRef="loan">1</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-169"
      decimals="INF"
      id="f-1129"
      unitRef="loan">23</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions
      contextRef="c-170"
      decimals="INF"
      id="f-1130"
      unitRef="security">5</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions
      contextRef="c-171"
      decimals="INF"
      id="f-1131"
      unitRef="security">7</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions
      contextRef="c-172"
      decimals="INF"
      id="f-1132"
      unitRef="security">2</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-173"
      decimals="INF"
      id="f-1133"
      unitRef="loan">33</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths
      contextRef="c-174"
      decimals="INF"
      id="f-1134"
      unitRef="loan">133</fbc:NumberOfSecuritiesContinuousUnrealizedLossPositionMoreThanTwelveMonths>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions
      contextRef="c-175"
      decimals="INF"
      id="f-1135"
      unitRef="security">1</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions>
    <us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions
      contextRef="c-176"
      decimals="INF"
      id="f-1136"
      unitRef="security">1</us-gaap:DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-177" decimals="-6" id="f-1137" unitRef="usd">20000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease contextRef="c-178" decimals="-6" id="f-1138" unitRef="usd">20000000</us-gaap:DebtSecuritiesAvailableForSaleAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease>
    <us-gaap:FinancingReceivablesTextBlock contextRef="c-1" id="f-1139">Loans and Leases&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company classifies loans that we have the intent and ability to hold for the foreseeable future or until maturity as LHFI. We report LHFI loans at their amortized cost, which includes the outstanding principal balance adjusted for any unamortized premiums, discounts, deferred fees and unamortized fair value adjustments for acquired loans:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:5.4pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.388%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.242%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.102%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.102%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.105%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of&lt;br/&gt;Loans&lt;br/&gt;Held for&lt;br/&gt;Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of&lt;br/&gt;Loans&lt;br/&gt;Held for&lt;br/&gt;Investment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans and Leases Held for Investment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;44.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;55.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,470&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage loans held for investment &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;67.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;54,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;78.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22,065&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,597&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Lease financing, net of unearned income of $258 and $85, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,679&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:10pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total commercial and industrial loans &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,254&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,276&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;33.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans and leases held for investment &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses on loans and leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(992)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(393)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans and leases held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83,627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68,608&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:10pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for sale&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans and leases, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Excludes accrued interest receivable of $423&#160;million and $292&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively, which is included in &lt;span style="-sec-ix-hidden:f-1197"&gt;&lt;span style="-sec-ix-hidden:f-1198"&gt;other assets&lt;/span&gt;&lt;/span&gt; in the Consolidated Statements of Condition. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Includes specialty finance loans and leases of $5.2&#160;billion and $4.4&#160;billion at December&#160;31, 2023 and December&#160;31, 2022, respectively.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans with Government Guarantees&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Substantially all LGG are insured or guaranteed by the FHA or the U.S. Department of Veterans Affairs. Nonperforming repurchased loans in this portfolio earn interest at a rate based upon the 10-year U.S. Treasury note rate from the time the underlying loan becomes 60 days delinquent until the loan is conveyed to HUD (if foreclosure timelines are met), which is not paid by the FHA until claimed. The Bank has a unilateral option to repurchase loans sold to GNMA if the loan is due, but unpaid, for three consecutive months (typically referred to as 90 days past due) and can recover losses through a claims process from the guarantor. These loans are recorded in loans held for investment and the liability to repurchase the loans is recorded in other liabilities on the Consolidated Statements of Condition. Certain loans within our portfolio may be subject to indemnifications and insurance limits which expose us to limited credit risk. As of December&#160;31, 2023, LGG loans totaled $541&#160;million and the repurchase liability was $456&#160;million. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Repossessed assets and the associated net claims related to government guaranteed loans are recorded in other assets and was &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;$14&#160;million &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;at December&#160;31, 2023.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans Held-for-Sale&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Loans held-for-sale at December&#160;31, 2023 totaled $1.2 billion, up from $1.1&#160;billion at December&#160;31, 2022.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:12pt;font-weight:400;line-height:120%"&gt; The &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Signature Transaction contributed $360&#160;million in Small Business Administration ("SBA") loans to this increase. We classify loans as held for sale when we originate or purchase loans that we intend to sell. We have elected the fair value option for nearly all of this portfolio, except the SBA loans. We estimate the fair value of mortgage loans based on quoted market prices for securities backed by similar types of loans, where available, or by discounting estimated cash flows using observable inputs inclusive of interest rates, prepayment speeds and loss assumptions for similar collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Asset Quality&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;All asset quality information excludes LGG that are insured by U.S government agencies.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A loan generally is classified as a non-accrual loan when it is 90 days or more past due or when it is deemed to be impaired because the Company no longer expects to collect all amounts due according to the contractual terms of the loan agreement. When a loan is placed on non-accrual status, management ceases the accrual of interest owed, and previously accrued interest is charged against interest income. A loan is generally returned to accrual status when the loan is current and management has reasonable assurance that the loan will be fully collectible. Interest income on non-accrual loans is recorded when received in cash. At December&#160;31, 2023 and December&#160;31, 2022 we had no loans that were nonperforming and still accruing.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents information regarding the quality of the Company&#x2019;s loans held for investment at December&#160;31, 2023: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.765%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.595%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.765%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.818%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.941%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans 30-89 Days Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non- Accrual Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Past Due Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current Loans &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Loans Receivable&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,006&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Includes lease financing receivables.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Includes $207&#160;million multi-family loans from one borrower that had a payment in the process of collection as of December&#160;31, 2023 and subsequently settled on January 2, 2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents information regarding the quality of the Company&#x2019;s loans held for investment at December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:35.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.765%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.941%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans 30-89 Days Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non- Accrual Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Past Due Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Loans Receivable&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Includes lease financing receivables, all of which were current. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2023: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.112%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.239%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi- Family&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial Real Estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to- Four Family&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, Development, and Construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Mortgage Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and Industrial&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Other Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Credit Quality Indicator:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pass&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,825&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;51,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,683&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Special mention&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;768&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Substandard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,327&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;733&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Doubtful&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.112%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.239%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi- Family&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial Real Estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to- Four Family&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, Development, and Construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Mortgage Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and Industrial&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Other Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Credit Quality Indicator:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pass&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;52,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Special mention&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Substandard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;54,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The preceding classifications are the most current ones available and generally have been updated within the last twelve months. In addition, they follow regulatory guidelines and can generally be described as follows: pass loans are of satisfactory quality; special mention loans have potential weaknesses that deserve management&#x2019;s close attention; substandard loans are inadequately protected by the current net worth and paying capacity of the borrower or of the collateral pledged (these loans have a well-defined weakness and there is a possibility that the Company will sustain some loss); and doubtful loans, based on existing circumstances, have weaknesses that make collection or liquidation in full highly questionable and improbable. In addition, one-to-four family loans are classified based on the duration of the delinquency.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents, by credit quality indicator, loan class, and year of origination, the amortized cost basis of the Company&#x2019;s loans and leases as of December&#160;31, 2023: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.261%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.816%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.271%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="51" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Vintage Year&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Prior To 2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Revolving Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Revolving Loans Converted to Term Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pass&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;51,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Special Mention&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Substandard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Doubtful&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current-period gross write-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(178)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pass&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,936&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,757&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Special Mention&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Substandard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Doubtful&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current-period gross write-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When management determines that foreclosure is probable, for loans that are individually evaluated the expected credit losses are based on the fair value of the collateral adjusted for selling costs. When the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, the collateral-dependent practical expedient has been elected and expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. For CRE loans, collateral properties include office buildings, warehouse/distribution buildings, shopping centers, apartment buildings, residential and commercial tract development. The primary source of repayment on these loans is expected to come from the sale, permanent financing or lease of the real property collateral. CRE loans are impacted by fluctuations in collateral values, as well as the ability of the borrower to obtain permanent financing.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the extent to which collateral secures the Company&#x2019;s collateral-dependent loans held for investment by collateral type as of December&#160;31, 2023:  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.873%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Collateral Type&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Real Property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total collateral-dependent loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Other collateral type consists of taxi medallions, cash, accounts receivable and inventory.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;There were no significant changes in the extent to which collateral secures the Company&#x2019;s collateral-dependent financial assets during the year ended December 31, 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and December&#160;31, 2022, the Company had $81&#160;million and $121&#160;million of residential mortgage loans in the process of foreclosure, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:27pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Included in loans held for investment at December&#160;31, 2023 and December&#160;31, 2022, were loans of $9&#160;million and $101&#160;million, respectively, to officers, directors, and their related interests and parties. There were no loans to principal shareholders at that date. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Modifications to Borrowers Experiencing Financial Difficulty &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Effective January 1, 2023, the Company adopted ASU 2022-02- Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures. For additional information on the adoption, refer to Note 1 - Description of Business, Organization and Basis of Presentation.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;When borrowers are experiencing financial difficulty, the Company may make certain loan modifications as part of loss mitigation strategies to maximize expected payment. Modifications in the form of principal forgiveness, an interest rate reduction, or an other-than-insignificant payment delay or a term extension that have occurred in the current reporting period to a borrower experiencing financial difficulty are disclosed along with the financial impact of the modifications.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.538%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.095%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.137%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.104%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.621%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.999%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Term Extension&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Combination - Interest Rate Reduction &amp;amp; Term Extension&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of Total Loan class&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and Industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Consumer&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.829%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.443%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.443%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.717%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Term Extension&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted-average contractual interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;From&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;To&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted-average Term (in years)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.58&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Consumer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December&#160;31, 2023, there were $4&#160;million one-to-four family first mortgages that were modified for borrowers experiencing financial difficulty that received term extension and subsequently defaulted during the period and $4&#160;million one-to-four family first mortgages that were combination modifications and subsequently defaulted during the period.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The performance of loans made to borrowers experiencing financial difficulty in which modifications were made is closely monitored to understand the effectiveness of modification efforts. Loans are considered to be in payment default at 90 or more days past due. The following table depicts the performance of loans that have been modified during the reporting period:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.798%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.668%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.827%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.991%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30 - 89 Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90+ Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Consumer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Troubled Debt Restructurings Prior to Adoption of ASU 2022-02&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Prior to the adoption of ASU 2022-02, the Company accounted for certain loan modifications and restructurings as TDRs. In general, a modification or restructuring of a loan constituted a TDR if the Company granted a concession to a borrower experiencing financial difficulty. A loan modified as a TDR was generally placed on non-accrual status until the Company determined that future collection of principal and interest is reasonably assured, which requires, among other things, that the borrower demonstrate performance according to the restructured terms for a period of at least six consecutive months. In determining the Company&#x2019;s allowance for credit losses on loans and leases, reasonably expected TDRs were individually evaluated and consist of criticized, classified, or maturing loans that will have a modification processed within the next three months. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In an effort to proactively manage delinquent loans, the Company has selectively extended to certain borrowers concessions such as rate reductions, extension of maturity dates, and forbearance agreements. As of December&#160;31, 2022, loans on which concessions were made with respect to rate reductions and/or extension of maturity dates amounted to $44&#160;million. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents information regarding the Company's TDRs as of  December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.902%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accruing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non- Accrual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan Category:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.902%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;The financial effects of the Company&#x2019;s TDRs for the twelve months ended  December&#160;31, 2022 are summarized as follows: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.970%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.864%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.671%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Number of Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pre- Modification Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Post- Modification Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pre- Modification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Post- Modification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Charge- off Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capitalized Interest&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan Category:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FinancingReceivablesTextBlock>
    <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="c-1" id="f-1140">We report LHFI loans at their amortized cost, which includes the outstanding principal balance adjusted for any unamortized premiums, discounts, deferred fees and unamortized fair value adjustments for acquired loans:&lt;div style="padding-left:5.4pt"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.388%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.242%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.102%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.102%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.105%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of&lt;br/&gt;Loans&lt;br/&gt;Held for&lt;br/&gt;Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of&lt;br/&gt;Loans&lt;br/&gt;Held for&lt;br/&gt;Investment&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans and Leases Held for Investment:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;44.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;55.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,470&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,526&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,061&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,821&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,912&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,996&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage loans held for investment &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;67.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;54,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;78.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22,065&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,597&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Lease financing, net of unearned income of $258 and $85, respectively&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,189&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,679&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:10pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total commercial and industrial loans &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,254&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,276&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17.8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,657&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,252&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,911&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;33.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14,528&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21.1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans and leases held for investment &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses on loans and leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(992)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(393)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans and leases held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83,627&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68,608&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:10pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held for sale&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1,182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans and leases, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84,809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69,723&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Excludes accrued interest receivable of $423&#160;million and $292&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively, which is included in &lt;span style="-sec-ix-hidden:f-1197"&gt;&lt;span style="-sec-ix-hidden:f-1198"&gt;other assets&lt;/span&gt;&lt;/span&gt; in the Consolidated Statements of Condition. &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Includes specialty finance loans and leases of $5.2&#160;billion and $4.4&#160;billion at December&#160;31, 2023 and December&#160;31, 2022, respectively.&lt;/span&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-179" decimals="-6" id="f-1141" unitRef="usd">37265000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-179"
      decimals="3"
      id="f-1142"
      unitRef="number">0.440</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-180" decimals="-6" id="f-1143" unitRef="usd">38130000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-180"
      decimals="3"
      id="f-1144"
      unitRef="number">0.553</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-181" decimals="-6" id="f-1145" unitRef="usd">10470000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-181"
      decimals="3"
      id="f-1146"
      unitRef="number">0.124</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-182" decimals="-6" id="f-1147" unitRef="usd">8526000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-182"
      decimals="3"
      id="f-1148"
      unitRef="number">0.124</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-183" decimals="-6" id="f-1149" unitRef="usd">6061000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-183"
      decimals="3"
      id="f-1150"
      unitRef="number">0.072</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-184" decimals="-6" id="f-1151" unitRef="usd">5821000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-184"
      decimals="3"
      id="f-1152"
      unitRef="number">0.084</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-185" decimals="-6" id="f-1153" unitRef="usd">2912000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-185"
      decimals="3"
      id="f-1154"
      unitRef="number">0.034</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-186" decimals="-6" id="f-1155" unitRef="usd">1996000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-186"
      decimals="3"
      id="f-1156"
      unitRef="number">0.028</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-187" decimals="-6" id="f-1157" unitRef="usd">56708000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-187"
      decimals="3"
      id="f-1158"
      unitRef="number">0.670</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-188" decimals="-6" id="f-1159" unitRef="usd">54473000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-188"
      decimals="3"
      id="f-1160"
      unitRef="number">0.789</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-189" decimals="-6" id="f-1161" unitRef="usd">22065000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-189"
      decimals="3"
      id="f-1162"
      unitRef="number">0.261</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-190" decimals="-6" id="f-1163" unitRef="usd">10597000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-190"
      decimals="3"
      id="f-1164"
      unitRef="number">0.154</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount contextRef="c-7" decimals="-6" id="f-1165" unitRef="usd">258000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount contextRef="c-8" decimals="-6" id="f-1166" unitRef="usd">85000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-191" decimals="-6" id="f-1167" unitRef="usd">3189000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-191"
      decimals="3"
      id="f-1168"
      unitRef="number">0.038</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-192" decimals="-6" id="f-1169" unitRef="usd">1679000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-192"
      decimals="3"
      id="f-1170"
      unitRef="number">0.024</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-193" decimals="-6" id="f-1171" unitRef="usd">25254000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-193"
      decimals="3"
      id="f-1172"
      unitRef="number">0.299</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-194" decimals="-6" id="f-1173" unitRef="usd">12276000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-194"
      decimals="3"
      id="f-1174"
      unitRef="number">0.178</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-195" decimals="-6" id="f-1175" unitRef="usd">2657000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-195"
      decimals="3"
      id="f-1176"
      unitRef="number">0.031</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-196" decimals="-6" id="f-1177" unitRef="usd">2252000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-196"
      decimals="3"
      id="f-1178"
      unitRef="number">0.033</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-197" decimals="-6" id="f-1179" unitRef="usd">27911000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-197"
      decimals="3"
      id="f-1180"
      unitRef="number">0.330</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-198" decimals="-6" id="f-1181" unitRef="usd">14528000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent
      contextRef="c-198"
      decimals="3"
      id="f-1182"
      unitRef="number">0.211</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-1183" unitRef="usd">84619000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent contextRef="c-7" decimals="3" id="f-1184" unitRef="number">1.000</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-8" decimals="-6" id="f-1185" unitRef="usd">69001000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent contextRef="c-8" decimals="3" id="f-1186" unitRef="number">1.000</srt:FinancingReceivableBeforeAllowanceForCreditLossToTotalPercent>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-7" decimals="-6" id="f-1187" unitRef="usd">992000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-8" decimals="-6" id="f-1188" unitRef="usd">393000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-1189" unitRef="usd">83627000000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-8" decimals="-6" id="f-1190" unitRef="usd">68608000000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:LoansReceivableHeldForSaleAmount contextRef="c-7" decimals="-6" id="f-1191" unitRef="usd">1182000000</us-gaap:LoansReceivableHeldForSaleAmount>
    <us-gaap:LoansReceivableHeldForSaleAmount contextRef="c-8" decimals="-6" id="f-1192" unitRef="usd">1115000000</us-gaap:LoansReceivableHeldForSaleAmount>
    <fbc:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale contextRef="c-7" decimals="-6" id="f-1193" unitRef="usd">84809000000</fbc:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale>
    <fbc:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale contextRef="c-8" decimals="-6" id="f-1194" unitRef="usd">69723000000</fbc:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAndFinancingReceivableHeldForSale>
    <us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-1195" unitRef="usd">423000000</us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss contextRef="c-8" decimals="-6" id="f-1196" unitRef="usd">292000000</us-gaap:FinancingReceivableAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-199" decimals="-8" id="f-1199" unitRef="usd">5200000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-200" decimals="-8" id="f-1200" unitRef="usd">4400000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <fbc:FinancingReceivableWithGovernmentGuaranty contextRef="c-7" decimals="-6" id="f-1201" unitRef="usd">541000000</fbc:FinancingReceivableWithGovernmentGuaranty>
    <fbc:FinancingReceivableWithGovernmentGuarantyRepurchaseLiability contextRef="c-7" decimals="-6" id="f-1202" unitRef="usd">456000000</fbc:FinancingReceivableWithGovernmentGuarantyRepurchaseLiability>
    <us-gaap:ForeclosedAssets contextRef="c-7" decimals="-6" id="f-1203" unitRef="usd">14000000</us-gaap:ForeclosedAssets>
    <us-gaap:LoansReceivableHeldForSaleAmount contextRef="c-7" decimals="-8" id="f-1204" unitRef="usd">1200000000</us-gaap:LoansReceivableHeldForSaleAmount>
    <us-gaap:LoansReceivableHeldForSaleAmount contextRef="c-8" decimals="-8" id="f-1205" unitRef="usd">1100000000</us-gaap:LoansReceivableHeldForSaleAmount>
    <us-gaap:FinancingReceivableReclassificationToHeldForSale contextRef="c-1" decimals="-6" id="f-1206" unitRef="usd">360000000</us-gaap:FinancingReceivableReclassificationToHeldForSale>
    <us-gaap:FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing contextRef="c-7" decimals="-6" id="f-1207" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing>
    <us-gaap:FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing contextRef="c-8" decimals="-6" id="f-1208" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing>
    <us-gaap:PastDueFinancingReceivablesTableTextBlock contextRef="c-1" id="f-1209">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents information regarding the quality of the Company&#x2019;s loans held for investment at December&#160;31, 2023: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:36.765%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.595%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.765%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.818%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.941%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans 30-89 Days Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non- Accrual Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Past Due Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current Loans &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Loans Receivable&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,006&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;128&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,314&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;135&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,908&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,613&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83,941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Includes lease financing receivables.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Includes $207&#160;million multi-family loans from one borrower that had a payment in the process of collection as of December&#160;31, 2023 and subsequently settled on January 2, 2024&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents information regarding the quality of the Company&#x2019;s loans held for investment at December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:35.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.180%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.765%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.941%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans 30-89 Days Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non- Accrual Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Past Due Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Loans Receivable&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,083&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,504&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;113&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68,790&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69,001&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;Includes lease financing receivables, all of which were current.</us-gaap:PastDueFinancingReceivablesTableTextBlock>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-201" decimals="-6" id="f-1210" unitRef="usd">121000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-179" decimals="-6" id="f-1211" unitRef="usd">138000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-202" decimals="-6" id="f-1212" unitRef="usd">259000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-203" decimals="-6" id="f-1213" unitRef="usd">37006000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-179" decimals="-6" id="f-1214" unitRef="usd">37265000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-204" decimals="-6" id="f-1215" unitRef="usd">28000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-181" decimals="-6" id="f-1216" unitRef="usd">128000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-205" decimals="-6" id="f-1217" unitRef="usd">156000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-206" decimals="-6" id="f-1218" unitRef="usd">10314000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-181" decimals="-6" id="f-1219" unitRef="usd">10470000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-207" decimals="-6" id="f-1220" unitRef="usd">40000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-183" decimals="-6" id="f-1221" unitRef="usd">95000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-208" decimals="-6" id="f-1222" unitRef="usd">135000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-209" decimals="-6" id="f-1223" unitRef="usd">5926000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-183" decimals="-6" id="f-1224" unitRef="usd">6061000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-210" decimals="-6" id="f-1225" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-185" decimals="-6" id="f-1226" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-211" decimals="-6" id="f-1227" unitRef="usd">4000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-212" decimals="-6" id="f-1228" unitRef="usd">2908000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-185" decimals="-6" id="f-1229" unitRef="usd">2912000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-213" decimals="-6" id="f-1230" unitRef="usd">37000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-193" decimals="-6" id="f-1231" unitRef="usd">43000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-214" decimals="-6" id="f-1232" unitRef="usd">80000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-215" decimals="-6" id="f-1233" unitRef="usd">25174000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-193" decimals="-6" id="f-1234" unitRef="usd">25254000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-216" decimals="-6" id="f-1235" unitRef="usd">22000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-195" decimals="-6" id="f-1236" unitRef="usd">22000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-217" decimals="-6" id="f-1237" unitRef="usd">44000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-218" decimals="-6" id="f-1238" unitRef="usd">2613000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-195" decimals="-6" id="f-1239" unitRef="usd">2657000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-219" decimals="-6" id="f-1240" unitRef="usd">250000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-7" decimals="-6" id="f-1241" unitRef="usd">428000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-220" decimals="-6" id="f-1242" unitRef="usd">678000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-221" decimals="-6" id="f-1243" unitRef="usd">83941000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-1244" unitRef="usd">84619000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-222" decimals="-6" id="f-1245" unitRef="usd">207000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-223" decimals="-6" id="f-1246" unitRef="usd">34000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-180" decimals="-6" id="f-1247" unitRef="usd">13000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-224" decimals="-6" id="f-1248" unitRef="usd">47000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-225" decimals="-6" id="f-1249" unitRef="usd">38083000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-180" decimals="-6" id="f-1250" unitRef="usd">38130000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-226" decimals="-6" id="f-1251" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-182" decimals="-6" id="f-1252" unitRef="usd">20000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-227" decimals="-6" id="f-1253" unitRef="usd">22000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-228" decimals="-6" id="f-1254" unitRef="usd">8504000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-182" decimals="-6" id="f-1255" unitRef="usd">8526000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-229" decimals="-6" id="f-1256" unitRef="usd">21000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-184" decimals="-6" id="f-1257" unitRef="usd">92000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-230" decimals="-6" id="f-1258" unitRef="usd">113000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-231" decimals="-6" id="f-1259" unitRef="usd">5708000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-184" decimals="-6" id="f-1260" unitRef="usd">5821000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-232" decimals="-6" id="f-1261" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-186" decimals="-6" id="f-1262" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-233" decimals="-6" id="f-1263" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-234" decimals="-6" id="f-1264" unitRef="usd">1996000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-186" decimals="-6" id="f-1265" unitRef="usd">1996000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-235" decimals="-6" id="f-1266" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-194" decimals="-6" id="f-1267" unitRef="usd">3000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-236" decimals="-6" id="f-1268" unitRef="usd">5000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-237" decimals="-6" id="f-1269" unitRef="usd">12271000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-194" decimals="-6" id="f-1270" unitRef="usd">12276000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-238" decimals="-6" id="f-1271" unitRef="usd">11000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-196" decimals="-6" id="f-1272" unitRef="usd">13000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-239" decimals="-6" id="f-1273" unitRef="usd">24000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-240" decimals="-6" id="f-1274" unitRef="usd">2228000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-196" decimals="-6" id="f-1275" unitRef="usd">2252000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-241" decimals="-6" id="f-1276" unitRef="usd">70000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual contextRef="c-8" decimals="-6" id="f-1277" unitRef="usd">141000000</us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-242" decimals="-6" id="f-1278" unitRef="usd">211000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-243" decimals="-6" id="f-1279" unitRef="usd">68790000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-8" decimals="-6" id="f-1280" unitRef="usd">69001000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock contextRef="c-1" id="f-1281">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2023: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.112%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.239%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi- Family&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial Real Estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to- Four Family&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, Development, and Construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Mortgage Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and Industrial&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Other Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Credit Quality Indicator:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pass&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34,170&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,734&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,328&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,825&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;51,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,683&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,634&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Special mention&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;768&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Substandard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,327&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,369&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;733&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Doubtful&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37,265&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,470&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,912&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25,254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,657&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s portfolio of loans held for investment by credit quality indicator at December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.112%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.656%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.229%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.239%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi- Family&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial Real Estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to- Four Family&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, Development, and Construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Mortgage Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and Industrial&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Other Loans&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Credit Quality Indicator:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pass&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36,622&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,710&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;52,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,238&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14,446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Special mention&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;864&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;230&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,106&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Substandard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;644&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;425&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,172&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38,130&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,821&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,996&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;54,473&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,276&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,252&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14,528&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents, by credit quality indicator, loan class, and year of origination, the amortized cost basis of the Company&#x2019;s loans and leases as of December&#160;31, 2023: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:21.261%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.816%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.271%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="51" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Vintage Year&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Prior To 2019&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Revolving Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Revolving Loans Converted to Term Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pass&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,532&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13,295&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,308&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,725&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,670&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,981&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;51,057&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Special Mention&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;217&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;407&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;144&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;341&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,192&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Substandard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;258&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;336&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;809&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,910&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,459&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Doubtful&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,577&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13,610&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,181&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,678&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,921&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,995&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56,708&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current-period gross write-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(112)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(64)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(178)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pass&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,709&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,598&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,936&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;941&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,757&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;324&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Special Mention&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Substandard&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;259&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Doubtful&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,720&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;999&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,905&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27,911&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current-period gross write-offs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:15pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17,429&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,359&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,635&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13,920&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,900&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;84,619&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-244" decimals="-6" id="f-1282" unitRef="usd">34170000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-245" decimals="-6" id="f-1283" unitRef="usd">8734000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-246" decimals="-6" id="f-1284" unitRef="usd">5328000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-247" decimals="-6" id="f-1285" unitRef="usd">2825000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-248" decimals="-6" id="f-1286" unitRef="usd">51057000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-249" decimals="-6" id="f-1287" unitRef="usd">24683000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-250" decimals="-6" id="f-1288" unitRef="usd">2634000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-251" decimals="-6" id="f-1289" unitRef="usd">27317000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-252" decimals="-6" id="f-1290" unitRef="usd">768000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-253" decimals="-6" id="f-1291" unitRef="usd">367000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-254" decimals="-6" id="f-1292" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-255" decimals="-6" id="f-1293" unitRef="usd">57000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-256" decimals="-6" id="f-1294" unitRef="usd">1192000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-257" decimals="-6" id="f-1295" unitRef="usd">335000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-258" decimals="-6" id="f-1296" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-259" decimals="-6" id="f-1297" unitRef="usd">335000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-260" decimals="-6" id="f-1298" unitRef="usd">2327000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-261" decimals="-6" id="f-1299" unitRef="usd">1369000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-262" decimals="-6" id="f-1300" unitRef="usd">733000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-263" decimals="-6" id="f-1301" unitRef="usd">30000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-264" decimals="-6" id="f-1302" unitRef="usd">4459000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-265" decimals="-6" id="f-1303" unitRef="usd">236000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-266" decimals="-6" id="f-1304" unitRef="usd">23000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-267" decimals="-6" id="f-1305" unitRef="usd">259000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-268" decimals="-6" id="f-1306" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-269" decimals="-6" id="f-1307" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-270" decimals="-6" id="f-1308" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-271" decimals="-6" id="f-1309" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-272" decimals="-6" id="f-1310" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-273" decimals="-6" id="f-1311" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-274" decimals="-6" id="f-1312" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-275" decimals="-6" id="f-1313" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-179" decimals="-6" id="f-1314" unitRef="usd">37265000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-181" decimals="-6" id="f-1315" unitRef="usd">10470000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-183" decimals="-6" id="f-1316" unitRef="usd">6061000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-185" decimals="-6" id="f-1317" unitRef="usd">2912000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-187" decimals="-6" id="f-1318" unitRef="usd">56708000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-193" decimals="-6" id="f-1319" unitRef="usd">25254000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-195" decimals="-6" id="f-1320" unitRef="usd">2657000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-276" decimals="-6" id="f-1321" unitRef="usd">27911000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-277" decimals="-6" id="f-1322" unitRef="usd">36622000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-278" decimals="-6" id="f-1323" unitRef="usd">7871000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-279" decimals="-6" id="f-1324" unitRef="usd">5710000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-280" decimals="-6" id="f-1325" unitRef="usd">1992000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-281" decimals="-6" id="f-1326" unitRef="usd">52195000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-282" decimals="-6" id="f-1327" unitRef="usd">12208000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-283" decimals="-6" id="f-1328" unitRef="usd">2238000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-284" decimals="-6" id="f-1329" unitRef="usd">14446000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-285" decimals="-6" id="f-1330" unitRef="usd">864000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-286" decimals="-6" id="f-1331" unitRef="usd">230000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-287" decimals="-6" id="f-1332" unitRef="usd">8000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-288" decimals="-6" id="f-1333" unitRef="usd">4000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-289" decimals="-6" id="f-1334" unitRef="usd">1106000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-290" decimals="-6" id="f-1335" unitRef="usd">18000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-291" decimals="-6" id="f-1336" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-292" decimals="-6" id="f-1337" unitRef="usd">18000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-293" decimals="-6" id="f-1338" unitRef="usd">644000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-294" decimals="-6" id="f-1339" unitRef="usd">425000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-295" decimals="-6" id="f-1340" unitRef="usd">103000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-296" decimals="-6" id="f-1341" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-297" decimals="-6" id="f-1342" unitRef="usd">1172000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-298" decimals="-6" id="f-1343" unitRef="usd">50000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-299" decimals="-6" id="f-1344" unitRef="usd">14000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-300" decimals="-6" id="f-1345" unitRef="usd">64000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-180" decimals="-6" id="f-1346" unitRef="usd">38130000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-182" decimals="-6" id="f-1347" unitRef="usd">8526000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-184" decimals="-6" id="f-1348" unitRef="usd">5821000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-186" decimals="-6" id="f-1349" unitRef="usd">1996000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-188" decimals="-6" id="f-1350" unitRef="usd">54473000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-194" decimals="-6" id="f-1351" unitRef="usd">12276000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-196" decimals="-6" id="f-1352" unitRef="usd">2252000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-301" decimals="-6" id="f-1353" unitRef="usd">14528000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-248" decimals="-6" id="f-1354" unitRef="usd">2532000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-248" decimals="-6" id="f-1355" unitRef="usd">13295000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-248" decimals="-6" id="f-1356" unitRef="usd">10308000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-248" decimals="-6" id="f-1357" unitRef="usd">8438000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-248" decimals="-6" id="f-1358" unitRef="usd">4725000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-248" decimals="-6" id="f-1359" unitRef="usd">9670000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-248" decimals="-6" id="f-1360" unitRef="usd">1981000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-248" decimals="-6" id="f-1361" unitRef="usd">108000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-248" decimals="-6" id="f-1362" unitRef="usd">51057000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-256" decimals="-6" id="f-1363" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-256" decimals="-6" id="f-1364" unitRef="usd">217000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-256" decimals="-6" id="f-1365" unitRef="usd">69000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-256" decimals="-6" id="f-1366" unitRef="usd">407000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-256" decimals="-6" id="f-1367" unitRef="usd">144000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-256" decimals="-6" id="f-1368" unitRef="usd">341000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-256" decimals="-6" id="f-1369" unitRef="usd">14000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-256" decimals="-6" id="f-1370" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-256" decimals="-6" id="f-1371" unitRef="usd">1192000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-264" decimals="-6" id="f-1372" unitRef="usd">45000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-264" decimals="-6" id="f-1373" unitRef="usd">98000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-264" decimals="-6" id="f-1374" unitRef="usd">258000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-264" decimals="-6" id="f-1375" unitRef="usd">336000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-264" decimals="-6" id="f-1376" unitRef="usd">809000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-264" decimals="-6" id="f-1377" unitRef="usd">2910000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-264" decimals="-6" id="f-1378" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-264" decimals="-6" id="f-1379" unitRef="usd">3000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-264" decimals="-6" id="f-1380" unitRef="usd">4459000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-272" decimals="-6" id="f-1381" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-272" decimals="-6" id="f-1382" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-272" decimals="-6" id="f-1383" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-272" decimals="-6" id="f-1384" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-272" decimals="-6" id="f-1385" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-272" decimals="-6" id="f-1386" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-272" decimals="-6" id="f-1387" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-272" decimals="-6" id="f-1388" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-272" decimals="-6" id="f-1389" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-187" decimals="-6" id="f-1390" unitRef="usd">2577000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-187" decimals="-6" id="f-1391" unitRef="usd">13610000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-187" decimals="-6" id="f-1392" unitRef="usd">10635000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-187" decimals="-6" id="f-1393" unitRef="usd">9181000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-187" decimals="-6" id="f-1394" unitRef="usd">5678000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-187" decimals="-6" id="f-1395" unitRef="usd">12921000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-187" decimals="-6" id="f-1396" unitRef="usd">1995000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-187" decimals="-6" id="f-1397" unitRef="usd">111000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-187" decimals="-6" id="f-1398" unitRef="usd">56708000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff contextRef="c-302" decimals="-6" id="f-1399" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff contextRef="c-302" decimals="-6" id="f-1400" unitRef="usd">112000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff contextRef="c-302" decimals="-6" id="f-1401" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff contextRef="c-302" decimals="-6" id="f-1402" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff contextRef="c-302" decimals="-6" id="f-1403" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff contextRef="c-302" decimals="-6" id="f-1404" unitRef="usd">64000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingWriteoff contextRef="c-302" decimals="-6" id="f-1405" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff contextRef="c-302" decimals="-6" id="f-1406" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-302" decimals="-6" id="f-1407" unitRef="usd">178000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-251" decimals="-6" id="f-1408" unitRef="usd">9709000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-251" decimals="-6" id="f-1409" unitRef="usd">3598000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-251" decimals="-6" id="f-1410" unitRef="usd">1936000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-251" decimals="-6" id="f-1411" unitRef="usd">1141000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-251" decimals="-6" id="f-1412" unitRef="usd">911000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-251" decimals="-6" id="f-1413" unitRef="usd">941000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-251" decimals="-6" id="f-1414" unitRef="usd">8757000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-251" decimals="-6" id="f-1415" unitRef="usd">324000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-251" decimals="-6" id="f-1416" unitRef="usd">27317000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-259" decimals="-6" id="f-1417" unitRef="usd">1000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-259" decimals="-6" id="f-1418" unitRef="usd">182000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-259" decimals="-6" id="f-1419" unitRef="usd">17000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-259" decimals="-6" id="f-1420" unitRef="usd">9000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-259" decimals="-6" id="f-1421" unitRef="usd">6000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-259" decimals="-6" id="f-1422" unitRef="usd">18000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-259" decimals="-6" id="f-1423" unitRef="usd">102000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-259" decimals="-6" id="f-1424" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-259" decimals="-6" id="f-1425" unitRef="usd">335000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-267" decimals="-6" id="f-1426" unitRef="usd">10000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-267" decimals="-6" id="f-1427" unitRef="usd">39000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-267" decimals="-6" id="f-1428" unitRef="usd">45000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-267" decimals="-6" id="f-1429" unitRef="usd">28000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-267" decimals="-6" id="f-1430" unitRef="usd">40000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-267" decimals="-6" id="f-1431" unitRef="usd">40000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-267" decimals="-6" id="f-1432" unitRef="usd">46000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-267" decimals="-6" id="f-1433" unitRef="usd">11000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-267" decimals="-6" id="f-1434" unitRef="usd">259000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-275" decimals="-6" id="f-1435" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-275" decimals="-6" id="f-1436" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-275" decimals="-6" id="f-1437" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-275" decimals="-6" id="f-1438" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-275" decimals="-6" id="f-1439" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-275" decimals="-6" id="f-1440" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-275" decimals="-6" id="f-1441" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-275" decimals="-6" id="f-1442" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-275" decimals="-6" id="f-1443" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-276" decimals="-6" id="f-1444" unitRef="usd">9720000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-276" decimals="-6" id="f-1445" unitRef="usd">3819000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-276" decimals="-6" id="f-1446" unitRef="usd">1998000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-276" decimals="-6" id="f-1447" unitRef="usd">1178000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-276" decimals="-6" id="f-1448" unitRef="usd">957000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-276" decimals="-6" id="f-1449" unitRef="usd">999000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-276" decimals="-6" id="f-1450" unitRef="usd">8905000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-276" decimals="-6" id="f-1451" unitRef="usd">335000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-276" decimals="-6" id="f-1452" unitRef="usd">27911000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff contextRef="c-303" decimals="-6" id="f-1453" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff contextRef="c-303" decimals="-6" id="f-1454" unitRef="usd">10000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff contextRef="c-303" decimals="-6" id="f-1455" unitRef="usd">5000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff contextRef="c-303" decimals="-6" id="f-1456" unitRef="usd">8000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff contextRef="c-303" decimals="-6" id="f-1457" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff contextRef="c-303" decimals="-6" id="f-1458" unitRef="usd">18000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingWriteoff contextRef="c-303" decimals="-6" id="f-1459" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff contextRef="c-303" decimals="-6" id="f-1460" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoanWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-303" decimals="-6" id="f-1461" unitRef="usd">45000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear contextRef="c-7" decimals="-6" id="f-1462" unitRef="usd">12297000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear contextRef="c-7" decimals="-6" id="f-1463" unitRef="usd">17429000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="-6" id="f-1464" unitRef="usd">12633000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="-6" id="f-1465" unitRef="usd">10359000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="-6" id="f-1466" unitRef="usd">6635000000</us-gaap:FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear contextRef="c-7" decimals="-6" id="f-1467" unitRef="usd">13920000000</us-gaap:FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolving contextRef="c-7" decimals="-6" id="f-1468" unitRef="usd">10900000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolving>
    <us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan contextRef="c-7" decimals="-6" id="f-1469" unitRef="usd">446000000</us-gaap:FinancingReceivableExcludingAccruedInterestRevolvingConvertedToTermLoan>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-1470" unitRef="usd">84619000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock contextRef="c-1" id="f-1471">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the extent to which collateral secures the Company&#x2019;s collateral-dependent loans held for investment by collateral type as of December&#160;31, 2023:  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.873%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Collateral Type&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Real Property&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;256&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;105&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total collateral-dependent loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;614&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFinancialInstrumentsOwnedAndPledgedAsCollateralTextBlock>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-304" decimals="-6" id="f-1472" unitRef="usd">253000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-305" decimals="-6" id="f-1473" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-306" decimals="-6" id="f-1474" unitRef="usd">256000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-307" decimals="-6" id="f-1475" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-308" decimals="-6" id="f-1476" unitRef="usd">105000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-309" decimals="-6" id="f-1477" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-310" decimals="-6" id="f-1478" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-311" decimals="-6" id="f-1479" unitRef="usd">120000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-312" decimals="-6" id="f-1480" unitRef="usd">614000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-313" decimals="-6" id="f-1481" unitRef="usd">120000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:MortgageLoansInProcessOfForeclosureAmount contextRef="c-7" decimals="-6" id="f-1482" unitRef="usd">81000000</us-gaap:MortgageLoansInProcessOfForeclosureAmount>
    <us-gaap:MortgageLoansInProcessOfForeclosureAmount contextRef="c-8" decimals="-6" id="f-1483" unitRef="usd">121000000</us-gaap:MortgageLoansInProcessOfForeclosureAmount>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-314" decimals="-6" id="f-1484" unitRef="usd">9000000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss contextRef="c-315" decimals="-6" id="f-1485" unitRef="usd">101000000</us-gaap:FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss>
    <us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock contextRef="c-1" id="f-1486">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the amortized cost basis of loans modified during the reporting period to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of modification:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.538%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.095%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.137%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.104%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.072%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.621%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.393%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.999%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortized Cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Term Extension&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Combination - Interest Rate Reduction &amp;amp; Term Extension&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of Total Loan class&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and Industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Consumer&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;262&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table describes the financial effect of the modification made to borrowers experiencing financial difficulty:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:center"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.829%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.443%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.443%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.717%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Rate Reduction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Term Extension&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted-average contractual interest rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;From&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;To&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted-average Term (in years)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.08&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.58&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Consumer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.09&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.82&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt; The following table depicts the performance of loans that have been modified during the reporting period:&lt;div style="text-align:center"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.798%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.668%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.827%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.379%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.991%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30 - 89 Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90+ Past Due&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Consumer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents information regarding the Company's TDRs as of  December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.902%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accruing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non- Accrual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan Category:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:67.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.902%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:112%"&gt;The financial effects of the Company&#x2019;s TDRs for the twelve months ended  December&#160;31, 2022 are summarized as follows: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:26.970%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.525%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.864%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.572%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.280%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.671%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.534%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Number of Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pre- Modification Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Post- Modification Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pre- Modification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Post- Modification&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Charge- off Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capitalized Interest&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan Category:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-316" decimals="-6" id="f-1487" unitRef="usd">122000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-317" decimals="-6" id="f-1488" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-318" decimals="-6" id="f-1489" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-319" decimals="-6" id="f-1490" unitRef="usd">122000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent
      contextRef="c-319"
      decimals="4"
      id="f-1491"
      unitRef="number">0.0117</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-320" decimals="-6" id="f-1492" unitRef="usd">102000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-321" decimals="-6" id="f-1493" unitRef="usd">1000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-322" decimals="-6" id="f-1494" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-323" decimals="-6" id="f-1495" unitRef="usd">103000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent
      contextRef="c-323"
      decimals="4"
      id="f-1496"
      unitRef="number">0.0098</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-324" decimals="-6" id="f-1497" unitRef="usd">3000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-325" decimals="-6" id="f-1498" unitRef="usd">5000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-326" decimals="-6" id="f-1499" unitRef="usd">6000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-327" decimals="-6" id="f-1500" unitRef="usd">14000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent
      contextRef="c-327"
      decimals="4"
      id="f-1501"
      unitRef="number">0.0023</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-328" decimals="-6" id="f-1502" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-329" decimals="-6" id="f-1503" unitRef="usd">19000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-330" decimals="-6" id="f-1504" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-331" decimals="-6" id="f-1505" unitRef="usd">21000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent
      contextRef="c-331"
      decimals="4"
      id="f-1506"
      unitRef="number">0.0008</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-332" decimals="-6" id="f-1507" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-333" decimals="-6" id="f-1508" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-334" decimals="-6" id="f-1509" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-335" decimals="-6" id="f-1510" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent
      contextRef="c-335"
      decimals="4"
      id="f-1511"
      unitRef="number">0.0008</us-gaap:FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-336" decimals="-6" id="f-1512" unitRef="usd">227000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-337" decimals="-6" id="f-1513" unitRef="usd">25000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-338" decimals="-6" id="f-1514" unitRef="usd">10000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-1" decimals="-6" id="f-1515" unitRef="usd">262000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-339"
      decimals="4"
      id="f-1516"
      unitRef="number">0.0745</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-340"
      decimals="4"
      id="f-1517"
      unitRef="number">0.0602</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-341"
      decimals="4"
      id="f-1518"
      unitRef="number">0.0883</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-342"
      decimals="4"
      id="f-1519"
      unitRef="number">0.0456</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-343"
      decimals="4"
      id="f-1520"
      unitRef="number">0.0608</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-344"
      decimals="4"
      id="f-1521"
      unitRef="number">0.0479</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification contextRef="c-324" id="f-1522" xsi:nil="true"/>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-345"
      decimals="4"
      id="f-1523"
      unitRef="number">0.0844</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-346"
      decimals="4"
      id="f-1524"
      unitRef="number">0.0808</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification contextRef="c-347" id="f-1525">P0Y6M29D</us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-348"
      decimals="4"
      id="f-1526"
      unitRef="number">0.0909</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification
      contextRef="c-349"
      decimals="4"
      id="f-1527"
      unitRef="number">0.0482</us-gaap:FinancingReceivableModifiedWeightedAverageInterestRateDecreaseFromModification>
    <us-gaap:FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification contextRef="c-350" id="f-1528" xsi:nil="true"/>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault contextRef="c-351" decimals="-6" id="f-1529" unitRef="usd">4000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault contextRef="c-352" decimals="-6" id="f-1530" unitRef="usd">4000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-206" decimals="-6" id="f-1531" unitRef="usd">1000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-204" decimals="-6" id="f-1532" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-353" decimals="-6" id="f-1533" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-181" decimals="-6" id="f-1534" unitRef="usd">1000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-209" decimals="-6" id="f-1535" unitRef="usd">3000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-207" decimals="-6" id="f-1536" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-354" decimals="-6" id="f-1537" unitRef="usd">8000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-183" decimals="-6" id="f-1538" unitRef="usd">11000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-355" decimals="-6" id="f-1539" unitRef="usd">3000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-356" decimals="-6" id="f-1540" unitRef="usd">9000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-357" decimals="-6" id="f-1541" unitRef="usd">1000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-189" decimals="-6" id="f-1542" unitRef="usd">13000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-218" decimals="-6" id="f-1543" unitRef="usd">1000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-216" decimals="-6" id="f-1544" unitRef="usd">1000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-358" decimals="-6" id="f-1545" unitRef="usd">0</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-195" decimals="-6" id="f-1546" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-221" decimals="-6" id="f-1547" unitRef="usd">8000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-219" decimals="-6" id="f-1548" unitRef="usd">10000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-359" decimals="-6" id="f-1549" unitRef="usd">9000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months contextRef="c-7" decimals="-6" id="f-1550" unitRef="usd">27000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPast12Months>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-9" decimals="-6" id="f-1551" unitRef="usd">44000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing contextRef="c-360" decimals="-6" id="f-1552" unitRef="usd">0</fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing>
    <fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual contextRef="c-360" decimals="-6" id="f-1553" unitRef="usd">6000000</fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-360" decimals="-6" id="f-1554" unitRef="usd">6000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing contextRef="c-361" decimals="-6" id="f-1555" unitRef="usd">16000000</fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing>
    <fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual contextRef="c-361" decimals="-6" id="f-1556" unitRef="usd">19000000</fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-361" decimals="-6" id="f-1557" unitRef="usd">35000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing contextRef="c-362" decimals="-6" id="f-1558" unitRef="usd">0</fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing>
    <fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual contextRef="c-362" decimals="-6" id="f-1559" unitRef="usd">3000000</fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-362" decimals="-6" id="f-1560" unitRef="usd">3000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing contextRef="c-9" decimals="-6" id="f-1561" unitRef="usd">16000000</fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodAccruing>
    <fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual contextRef="c-9" decimals="-6" id="f-1562" unitRef="usd">28000000</fbc:FinancingReceivableExcludingAccruedInterestModifiedInPeriodNonAccrual>
    <us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod contextRef="c-9" decimals="-6" id="f-1563" unitRef="usd">44000000</us-gaap:FinancingReceivableExcludingAccruedInterestModifiedPeriod>
    <us-gaap:FinancingReceivableModificationsNumberOfContracts2
      contextRef="c-361"
      decimals="INF"
      id="f-1564"
      unitRef="loan">2</us-gaap:FinancingReceivableModificationsNumberOfContracts2>
    <us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2 contextRef="c-361" decimals="-6" id="f-1565" unitRef="usd">22000000</us-gaap:FinancingReceivableModificationsPreModificationRecordedInvestment2>
    <us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2 contextRef="c-361" decimals="-6" id="f-1566" unitRef="usd">19000000</us-gaap:FinancingReceivableModificationsPostModificationRecordedInvestment2>
    <fbc:FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification
      contextRef="c-361"
      decimals="4"
      id="f-1567"
      unitRef="number">0.0600</fbc:FinancingReceivableModifiedWeightedAverageInterestRatePriorToModification>
    <fbc:FinancingReceivableModifiedWeightedAverageInterestRateAfterModification
      contextRef="c-361"
      decimals="4"
      id="f-1568"
      unitRef="number">0.0402</fbc:FinancingReceivableModifiedWeightedAverageInterestRateAfterModification>
    <us-gaap:FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown contextRef="c-361" decimals="-6" id="f-1569" unitRef="usd">3000000</us-gaap:FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown>
    <fbc:FinancingReceivableTroubledDebtRestructuringCapitalizedInterest contextRef="c-361" decimals="-6" id="f-1570" unitRef="usd">0</fbc:FinancingReceivableTroubledDebtRestructuringCapitalizedInterest>
    <us-gaap:AllowanceForCreditLossesTextBlock contextRef="c-1" id="f-1571">Allowance for Credit Losses on Loans and Leases&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Allowance for Credit Losses on Loans and Leases&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes activity in the allowance for credit losses for the periods indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.205%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.205%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.350%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance, beginning of period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Adjustment for Purchased PCD Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(178)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(223)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Provision for (recovery of) credit losses on loans and leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;644&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;794&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance, end of period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December&#160;31, 2023, the allowance for credit losses on loans and leases totaled $992&#160;million, up $599&#160;million compared to December&#160;31, 2022. The increase in the allowance for credit losses on loans and leases was primarily driven by an increase in reserves to address weakness in the office sector, potential repricing risk in the multifamily portfolio and an increase in classified assets. Also contributing to the increase in the allowance for credit losses on loans and leases was the day 1 impact of the Signature Transaction that closed on March 20, 2023, which added $141&#160;million to the reserve.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December&#160;31, 2023 and December&#160;31, 2022, the allowance for unfunded commitments totaled $52&#160;million and $23&#160;million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company charges off loans, or portions of loans, in the period that such loans, or portions thereof, are deemed uncollectible. The collectability of individual loans is determined through an assessment of the financial condition and repayment capacity of the borrower and/or through an estimate of the fair value of any underlying collateral. For non-real estate-related consumer credits, the following past-due time periods determine when charge-offs are typically recorded: (1) closed-end credits are charged off in the quarter that the loan becomes 120 days past due; (2) open-end credits are charged off in the quarter that the loan becomes 180 days past due; and (3) both closed-end and open-end credits are typically charged off in the quarter that the credit is 60 days past the date the Company received notification that the borrower has filed for bankruptcy. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents additional information about the Company&#x2019;s nonaccrual loans at December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.368%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.368%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Related Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans with no related allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans with no related allowance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans with an allowance recorded:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans with an allowance recorded&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;128&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents additional information about the Company&#x2019;s nonaccrual loans at December&#160;31, 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.597%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Related Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans with no related allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans with no related allowance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans with an allowance recorded:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans with an allowance recorded&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:AllowanceForCreditLossesTextBlock>
    <us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="c-1" id="f-1572">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes activity in the allowance for credit losses for the periods indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.205%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.205%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.350%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance, beginning of period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;178&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;199&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Adjustment for Purchased PCD Loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;51&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Charge-offs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(178)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(223)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Recoveries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Provision for (recovery of) credit losses on loans and leases&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;644&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;794&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;47&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;139&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance, end of period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;236&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;393&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-188" decimals="-6" id="f-1573" unitRef="usd">290000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-301" decimals="-6" id="f-1574" unitRef="usd">103000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-8" decimals="-6" id="f-1575" unitRef="usd">393000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-363" decimals="-6" id="f-1576" unitRef="usd">178000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-364" decimals="-6" id="f-1577" unitRef="usd">21000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-28" decimals="-6" id="f-1578" unitRef="usd">199000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate contextRef="c-302" id="f-1579" unitRef="usd" xsi:nil="true"/>
    <us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate contextRef="c-303" decimals="-6" id="f-1580" unitRef="usd">13000000</us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate>
    <us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate contextRef="c-1" decimals="-6" id="f-1581" unitRef="usd">13000000</us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate>
    <us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate contextRef="c-365" decimals="-6" id="f-1582" unitRef="usd">21000000</us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate>
    <us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate contextRef="c-366" decimals="-6" id="f-1583" unitRef="usd">30000000</us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate>
    <us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate contextRef="c-9" decimals="-6" id="f-1584" unitRef="usd">51000000</us-gaap:FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-302" decimals="-6" id="f-1585" unitRef="usd">178000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-303" decimals="-6" id="f-1586" unitRef="usd">45000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-1" decimals="-6" id="f-1587" unitRef="usd">223000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-365" decimals="-6" id="f-1588" unitRef="usd">5000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-366" decimals="-6" id="f-1589" unitRef="usd">2000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff contextRef="c-9" decimals="-6" id="f-1590" unitRef="usd">7000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-302" id="f-1591" unitRef="usd" xsi:nil="true"/>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-303" decimals="-6" id="f-1592" unitRef="usd">15000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-1" decimals="-6" id="f-1593" unitRef="usd">15000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-365" decimals="-6" id="f-1594" unitRef="usd">4000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-366" decimals="-6" id="f-1595" unitRef="usd">7000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery contextRef="c-9" decimals="-6" id="f-1596" unitRef="usd">11000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-302" decimals="-6" id="f-1597" unitRef="usd">644000000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-303" decimals="-6" id="f-1598" unitRef="usd">150000000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-1" decimals="-6" id="f-1599" unitRef="usd">794000000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-365" decimals="-6" id="f-1600" unitRef="usd">92000000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-366" decimals="-6" id="f-1601" unitRef="usd">47000000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal contextRef="c-9" decimals="-6" id="f-1602" unitRef="usd">139000000</us-gaap:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-187" decimals="-6" id="f-1603" unitRef="usd">756000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-276" decimals="-6" id="f-1604" unitRef="usd">236000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-7" decimals="-6" id="f-1605" unitRef="usd">992000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-188" decimals="-6" id="f-1606" unitRef="usd">290000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-301" decimals="-6" id="f-1607" unitRef="usd">103000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-8" decimals="-6" id="f-1608" unitRef="usd">393000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-7" decimals="-6" id="f-1609" unitRef="usd">992000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease contextRef="c-1" decimals="-6" id="f-1610" unitRef="usd">599000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease>
    <us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease contextRef="c-71" decimals="-6" id="f-1611" unitRef="usd">141000000</us-gaap:FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-55" decimals="-6" id="f-1612" unitRef="usd">52000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest contextRef="c-56" decimals="-6" id="f-1613" unitRef="usd">23000000</us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest>
    <us-gaap:ImpairedFinancingReceivablesTableTextBlock contextRef="c-1" id="f-1614">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents additional information about the Company&#x2019;s nonaccrual loans at December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:49.610%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.368%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.951%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.368%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.952%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Related Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans with no related allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;53&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;85&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans with no related allowance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;294&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans with an allowance recorded:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;75&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;44&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans with an allowance recorded&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;134&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;128&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;96&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;428&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;47&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents additional information about the Company&#x2019;s nonaccrual loans at December&#160;31, 2022:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:50.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.597%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Recorded Investment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Related Allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Income Recognized&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans with no related allowance:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans with no related allowance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;125&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans with an allowance recorded:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans with an allowance recorded&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family first mortgage&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other (includes C&amp;amp;I)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total nonaccrual loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-179" decimals="-6" id="f-1615" unitRef="usd">134000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-319" decimals="-6" id="f-1616" unitRef="usd">5000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-181" decimals="-6" id="f-1617" unitRef="usd">53000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-323" decimals="-6" id="f-1618" unitRef="usd">2000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-183" decimals="-6" id="f-1619" unitRef="usd">85000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-327" decimals="-6" id="f-1620" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-185" decimals="-6" id="f-1621" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-367" decimals="-6" id="f-1622" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-276" decimals="-6" id="f-1623" unitRef="usd">22000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-303" decimals="-6" id="f-1624" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-7" decimals="-6" id="f-1625" unitRef="usd">294000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-1" decimals="-6" id="f-1626" unitRef="usd">7000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-179" decimals="-6" id="f-1627" unitRef="usd">4000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-179" decimals="-6" id="f-1628" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-319" decimals="-6" id="f-1629" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-181" decimals="-6" id="f-1630" unitRef="usd">75000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-181" decimals="-6" id="f-1631" unitRef="usd">17000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-323" decimals="-6" id="f-1632" unitRef="usd">3000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-183" decimals="-6" id="f-1633" unitRef="usd">11000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-183" decimals="-6" id="f-1634" unitRef="usd">2000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-327" decimals="-6" id="f-1635" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-185" decimals="-6" id="f-1636" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-185" decimals="-6" id="f-1637" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-367" decimals="-6" id="f-1638" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-276" decimals="-6" id="f-1639" unitRef="usd">44000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-276" decimals="-6" id="f-1640" unitRef="usd">28000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-303" decimals="-6" id="f-1641" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-7" decimals="-6" id="f-1642" unitRef="usd">134000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-7" decimals="-6" id="f-1643" unitRef="usd">47000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-1" decimals="-6" id="f-1644" unitRef="usd">3000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-179" decimals="-6" id="f-1645" unitRef="usd">138000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-179" decimals="-6" id="f-1646" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-319" decimals="-6" id="f-1647" unitRef="usd">5000000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-181" decimals="-6" id="f-1648" unitRef="usd">128000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-181" decimals="-6" id="f-1649" unitRef="usd">17000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-323" decimals="-6" id="f-1650" unitRef="usd">5000000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-183" decimals="-6" id="f-1651" unitRef="usd">96000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-183" decimals="-6" id="f-1652" unitRef="usd">2000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-327" decimals="-6" id="f-1653" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-185" decimals="-6" id="f-1654" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-185" decimals="-6" id="f-1655" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-367" decimals="-6" id="f-1656" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-276" decimals="-6" id="f-1657" unitRef="usd">66000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-276" decimals="-6" id="f-1658" unitRef="usd">28000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-303" decimals="-6" id="f-1659" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-7" decimals="-6" id="f-1660" unitRef="usd">428000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-7" decimals="-6" id="f-1661" unitRef="usd">47000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-1" decimals="-6" id="f-1662" unitRef="usd">10000000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-180" decimals="-6" id="f-1663" unitRef="usd">13000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-360" decimals="-6" id="f-1664" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-182" decimals="-6" id="f-1665" unitRef="usd">19000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-361" decimals="-6" id="f-1666" unitRef="usd">1000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-184" decimals="-6" id="f-1667" unitRef="usd">90000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-368" decimals="-6" id="f-1668" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-301" decimals="-6" id="f-1669" unitRef="usd">3000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-366" decimals="-6" id="f-1670" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment contextRef="c-8" decimals="-6" id="f-1671" unitRef="usd">125000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-9" decimals="-6" id="f-1672" unitRef="usd">1000000</us-gaap:ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-182" decimals="-6" id="f-1673" unitRef="usd">1000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-182" decimals="-6" id="f-1674" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-361" decimals="-6" id="f-1675" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-184" decimals="-6" id="f-1676" unitRef="usd">2000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-184" decimals="-6" id="f-1677" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-368" decimals="-6" id="f-1678" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-301" decimals="-6" id="f-1679" unitRef="usd">13000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-301" decimals="-6" id="f-1680" unitRef="usd">14000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-366" decimals="-6" id="f-1681" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment contextRef="c-8" decimals="-6" id="f-1682" unitRef="usd">16000000</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-8" decimals="-6" id="f-1683" unitRef="usd">14000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod contextRef="c-9" decimals="-6" id="f-1684" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-180" decimals="-6" id="f-1685" unitRef="usd">13000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-180" decimals="-6" id="f-1686" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-360" decimals="-6" id="f-1687" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-182" decimals="-6" id="f-1688" unitRef="usd">20000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-182" decimals="-6" id="f-1689" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-361" decimals="-6" id="f-1690" unitRef="usd">1000000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-184" decimals="-6" id="f-1691" unitRef="usd">92000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-184" decimals="-6" id="f-1692" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-368" decimals="-6" id="f-1693" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-301" decimals="-6" id="f-1694" unitRef="usd">16000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-301" decimals="-6" id="f-1695" unitRef="usd">14000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-366" decimals="-6" id="f-1696" unitRef="usd">0</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:ImpairedFinancingReceivableRecordedInvestment contextRef="c-8" decimals="-6" id="f-1697" unitRef="usd">141000000</us-gaap:ImpairedFinancingReceivableRecordedInvestment>
    <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c-8" decimals="-6" id="f-1698" unitRef="usd">14000000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
    <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="c-9" decimals="-6" id="f-1699" unitRef="usd">1000000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
    <us-gaap:LessorDirectFinancingLeasesTextBlock contextRef="c-1" id="f-1701">Leases&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Lessor Arrangements&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company is a lessor in the equipment finance business where it has executed direct financing leases (&#x201c;lease finance receivables&#x201d;). The Company produces lease finance receivables through a specialty finance subsidiary that participates in syndicated loans that are brought to them, and equipment loans and leases that are assigned to them, by a select group of &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;nationally recognized sources, and are generally made to large corporate obligors, many of which are publicly traded, carry investment grade or near-investment grade ratings, and participate in stable industries nationwide. Lease finance receivables are carried at the aggregate of lease payments receivable plus the estimated residual value of the leased assets and any initial direct costs incurred to originate these leases, less unearned income, which is accreted to interest income over the lease term using the interest method.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The standard leases are typically repayable on a level monthly basis with terms ranging from 24 to 120 months. At the end of the lease term, the lessee usually has the option to return the equipment, to renew the lease or purchase the equipment at the then fair market value (&#x201c;FMV&#x201d;) price. For leases with a FMV renewal/purchase option, the relevant residual value assumptions are based on the estimated value of the leased asset at the end of the lease term, including evaluation of key factors, such as, the estimated remaining useful life of the leased asset, its historical secondary market value including history of the lessee executing the FMV option, overall credit evaluation and return provisions. The Company acquires the leased asset at fair market value and provides funding to the respective lessee at acquisition cost, less any volume or trade discounts, as applicable. Therefore, there is generally no selling profit or loss to recognize or defer at inception of a lease.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The residual value component of a lease financing receivable represents the estimated fair value of the leased equipment at the end of the lease term. In establishing residual value estimates, the Company may rely on industry data, historical experience, and independent appraisals and, where appropriate, information regarding product life cycle, product upgrades and competing products. Upon expiration of a lease, residual assets are remarketed, resulting in either an extension of the lease by the lessee, a lease to a new customer or purchase of the residual asset by the lessee or another party. Impairment of residual values arises if the expected fair value is less than the carrying amount. The Company assesses its net investment in lease financing receivables (including residual values) for impairment on an annual basis with any impairment losses recognized in accordance with the impairment guidance for financial instruments. As such, net investment in lease financing receivables may be reduced by an allowance for credit losses with changes recognized as provision expense. On certain lease financings, the Company obtains residual value insurance from third parties to manage and reduce the risk associated with the residual value of the leased assets. At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of residual assets with third-party residual value insurance for at least a portion of the asset value was $280&#160;million and $32&#160;million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company uses the interest rate implicit in the lease to determine the present value of its lease financing receivables.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The components of lease income were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.204%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.742%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.452%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest income on lease financing&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Included in Interest Income &#x2013; Loans and leases in the Consolidated Statements of Income and Comprehensive Income. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of net investment in leases, excluding purchase accounting adjustments was $3.5&#160;billion and $1.7&#160;billion, respectively. The components of net investment in direct financing leases, including the carrying amount of the lease receivables, as well as the unguaranteed residual asset were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.288%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net investment in the lease - lease payments receivable&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net investment in the lease - unguaranteed residual assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease payments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the remaining maturity analysis of the undiscounted lease receivables, as well as the reconciliation to the total amount of receivables recognized in the Consolidated Statements of Condition: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.428%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;549&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease payments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Plus: deferred origination costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: unearned income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(258)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: purchase accounting adjustment&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease finance receivables, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Lessee Arrangements&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company has operating leases for corporate offices, branch locations, and certain equipment. These leases generally have terms of 20 years or less, determined based on the contractual maturity of the lease, and include periods covered by options to extend or terminate the lease when the Company is reasonably certain that it will exercise those options. For the vast majority of the Company&#x2019;s leases, we are not reasonably certain we will exercise our options to renew to the end of all renewal option periods. The Company determines if an arrangement is a lease at inception. Operating leases are included in other assets and other liabilities in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;ROU assets represent the Company&#x2019;s right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As the vast majority of the leases do not provide an implicit rate, the incremental borrowing rate (FHLB borrowing rate) is used based on the information available at commencement date in determining the present value of lease payments. The implicit rate is used when readily determinable. The operating lease ROU asset is measured at cost, which includes the initial measurement of the lease liability, prepaid rent and initial direct costs incurred by the Company, less incentives received.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Variable costs such as the proportionate share of actual costs for utilities, common area maintenance, property taxes and insurance are not included in the lease liability and are recognized in the period in which they are incurred.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The components of lease expense were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.469%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.923%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.815%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating lease cost&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease cost&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Supplemental cash flow information related to the leases for the following periods: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.414%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.958%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.744%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash paid for amounts included in the measurement of lease liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating cash flows from operating leases&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Supplemental balance sheet information related to the leases for the following periods: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.541%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions, except lease term and discount rate)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating Leases:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating lease right-of-use assets &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating lease liabilities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average remaining lease term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6 years&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average discount rate percent&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Included in &lt;span style="-sec-ix-hidden:f-1752"&gt;&lt;span style="-sec-ix-hidden:f-1753"&gt;Other assets&lt;/span&gt;&lt;/span&gt; in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Included in &lt;span style="-sec-ix-hidden:f-1754"&gt;&lt;span style="-sec-ix-hidden:f-1755"&gt;Other liabilities&lt;/span&gt;&lt;/span&gt; in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.012%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Maturities of lease liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease payments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: imputed interest&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(141)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total present value of lease liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:LessorDirectFinancingLeasesTextBlock>
    <us-gaap:LesseeOperatingLeasesTextBlock contextRef="c-1" id="f-1700">Leases&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Lessor Arrangements&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company is a lessor in the equipment finance business where it has executed direct financing leases (&#x201c;lease finance receivables&#x201d;). The Company produces lease finance receivables through a specialty finance subsidiary that participates in syndicated loans that are brought to them, and equipment loans and leases that are assigned to them, by a select group of &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;nationally recognized sources, and are generally made to large corporate obligors, many of which are publicly traded, carry investment grade or near-investment grade ratings, and participate in stable industries nationwide. Lease finance receivables are carried at the aggregate of lease payments receivable plus the estimated residual value of the leased assets and any initial direct costs incurred to originate these leases, less unearned income, which is accreted to interest income over the lease term using the interest method.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The standard leases are typically repayable on a level monthly basis with terms ranging from 24 to 120 months. At the end of the lease term, the lessee usually has the option to return the equipment, to renew the lease or purchase the equipment at the then fair market value (&#x201c;FMV&#x201d;) price. For leases with a FMV renewal/purchase option, the relevant residual value assumptions are based on the estimated value of the leased asset at the end of the lease term, including evaluation of key factors, such as, the estimated remaining useful life of the leased asset, its historical secondary market value including history of the lessee executing the FMV option, overall credit evaluation and return provisions. The Company acquires the leased asset at fair market value and provides funding to the respective lessee at acquisition cost, less any volume or trade discounts, as applicable. Therefore, there is generally no selling profit or loss to recognize or defer at inception of a lease.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The residual value component of a lease financing receivable represents the estimated fair value of the leased equipment at the end of the lease term. In establishing residual value estimates, the Company may rely on industry data, historical experience, and independent appraisals and, where appropriate, information regarding product life cycle, product upgrades and competing products. Upon expiration of a lease, residual assets are remarketed, resulting in either an extension of the lease by the lessee, a lease to a new customer or purchase of the residual asset by the lessee or another party. Impairment of residual values arises if the expected fair value is less than the carrying amount. The Company assesses its net investment in lease financing receivables (including residual values) for impairment on an annual basis with any impairment losses recognized in accordance with the impairment guidance for financial instruments. As such, net investment in lease financing receivables may be reduced by an allowance for credit losses with changes recognized as provision expense. On certain lease financings, the Company obtains residual value insurance from third parties to manage and reduce the risk associated with the residual value of the leased assets. At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of residual assets with third-party residual value insurance for at least a portion of the asset value was $280&#160;million and $32&#160;million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company uses the interest rate implicit in the lease to determine the present value of its lease financing receivables.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The components of lease income were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.204%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.742%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.452%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest income on lease financing&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Included in Interest Income &#x2013; Loans and leases in the Consolidated Statements of Income and Comprehensive Income. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and December&#160;31, 2022, the carrying value of net investment in leases, excluding purchase accounting adjustments was $3.5&#160;billion and $1.7&#160;billion, respectively. The components of net investment in direct financing leases, including the carrying amount of the lease receivables, as well as the unguaranteed residual asset were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.288%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net investment in the lease - lease payments receivable&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net investment in the lease - unguaranteed residual assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease payments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the remaining maturity analysis of the undiscounted lease receivables, as well as the reconciliation to the total amount of receivables recognized in the Consolidated Statements of Condition: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.428%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;549&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease payments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Plus: deferred origination costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: unearned income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(258)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: purchase accounting adjustment&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease finance receivables, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Lessee Arrangements&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company has operating leases for corporate offices, branch locations, and certain equipment. These leases generally have terms of 20 years or less, determined based on the contractual maturity of the lease, and include periods covered by options to extend or terminate the lease when the Company is reasonably certain that it will exercise those options. For the vast majority of the Company&#x2019;s leases, we are not reasonably certain we will exercise our options to renew to the end of all renewal option periods. The Company determines if an arrangement is a lease at inception. Operating leases are included in other assets and other liabilities in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;ROU assets represent the Company&#x2019;s right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As the vast majority of the leases do not provide an implicit rate, the incremental borrowing rate (FHLB borrowing rate) is used based on the information available at commencement date in determining the present value of lease payments. The implicit rate is used when readily determinable. The operating lease ROU asset is measured at cost, which includes the initial measurement of the lease liability, prepaid rent and initial direct costs incurred by the Company, less incentives received.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Variable costs such as the proportionate share of actual costs for utilities, common area maintenance, property taxes and insurance are not included in the lease liability and are recognized in the period in which they are incurred.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The components of lease expense were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.469%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.923%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.815%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating lease cost&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease cost&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Supplemental cash flow information related to the leases for the following periods: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.414%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.958%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.744%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash paid for amounts included in the measurement of lease liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating cash flows from operating leases&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Supplemental balance sheet information related to the leases for the following periods: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.541%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions, except lease term and discount rate)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating Leases:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating lease right-of-use assets &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating lease liabilities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average remaining lease term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6 years&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average discount rate percent&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Included in &lt;span style="-sec-ix-hidden:f-1752"&gt;&lt;span style="-sec-ix-hidden:f-1753"&gt;Other assets&lt;/span&gt;&lt;/span&gt; in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Included in &lt;span style="-sec-ix-hidden:f-1754"&gt;&lt;span style="-sec-ix-hidden:f-1755"&gt;Other liabilities&lt;/span&gt;&lt;/span&gt; in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.012%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Maturities of lease liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease payments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: imputed interest&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(141)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total present value of lease liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:LesseeOperatingLeasesTextBlock>
    <us-gaap:LessorLeasesPolicyTextBlock contextRef="c-1" id="f-1702">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company is a lessor in the equipment finance business where it has executed direct financing leases (&#x201c;lease finance receivables&#x201d;). The Company produces lease finance receivables through a specialty finance subsidiary that participates in syndicated loans that are brought to them, and equipment loans and leases that are assigned to them, by a select group of &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;nationally recognized sources, and are generally made to large corporate obligors, many of which are publicly traded, carry investment grade or near-investment grade ratings, and participate in stable industries nationwide. Lease finance receivables are carried at the aggregate of lease payments receivable plus the estimated residual value of the leased assets and any initial direct costs incurred to originate these leases, less unearned income, which is accreted to interest income over the lease term using the interest method.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The standard leases are typically repayable on a level monthly basis with terms ranging from 24 to 120 months. At the end of the lease term, the lessee usually has the option to return the equipment, to renew the lease or purchase the equipment at the then fair market value (&#x201c;FMV&#x201d;) price. For leases with a FMV renewal/purchase option, the relevant residual value assumptions are based on the estimated value of the leased asset at the end of the lease term, including evaluation of key factors, such as, the estimated remaining useful life of the leased asset, its historical secondary market value including history of the lessee executing the FMV option, overall credit evaluation and return provisions. The Company acquires the leased asset at fair market value and provides funding to the respective lessee at acquisition cost, less any volume or trade discounts, as applicable. Therefore, there is generally no selling profit or loss to recognize or defer at inception of a lease.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;The residual value component of a lease financing receivable represents the estimated fair value of the leased equipment at the end of the lease term. In establishing residual value estimates, the Company may rely on industry data, historical experience, and independent appraisals and, where appropriate, information regarding product life cycle, product upgrades and competing products. Upon expiration of a lease, residual assets are remarketed, resulting in either an extension of the lease by the lessee, a lease to a new customer or purchase of the residual asset by the lessee or another party. Impairment of residual values arises if the expected fair value is less than the carrying amount. The Company assesses its net investment in lease financing receivables (including residual values) for impairment on an annual basis with any impairment losses recognized in accordance with the impairment guidance for financial instruments. As such, net investment in lease financing receivables may be reduced by an allowance for credit losses with changes recognized as provision expense. On certain lease financings, the Company obtains residual value insurance from third parties to manage and reduce the risk associated with the residual value of the leased assets.</us-gaap:LessorLeasesPolicyTextBlock>
    <us-gaap:LessorDirectFinancingLeaseTermOfContract1 contextRef="c-369" id="f-1703">P24M</us-gaap:LessorDirectFinancingLeaseTermOfContract1>
    <us-gaap:LessorDirectFinancingLeaseTermOfContract1 contextRef="c-370" id="f-1704">P120M</us-gaap:LessorDirectFinancingLeaseTermOfContract1>
    <us-gaap:DirectFinancingLeaseResidualValueOfLeasedAsset contextRef="c-7" decimals="-6" id="f-1705" unitRef="usd">280000000</us-gaap:DirectFinancingLeaseResidualValueOfLeasedAsset>
    <us-gaap:DirectFinancingLeaseResidualValueOfLeasedAsset contextRef="c-8" decimals="-6" id="f-1706" unitRef="usd">32000000</us-gaap:DirectFinancingLeaseResidualValueOfLeasedAsset>
    <us-gaap:DirectFinancingLeaseLeaseIncomeTableTextBlock contextRef="c-1" id="f-1707">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company uses the interest rate implicit in the lease to determine the present value of its lease financing receivables.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The components of lease income were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.204%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.742%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.452%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest income on lease financing&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;Included in Interest Income &#x2013; Loans and leases in the Consolidated Statements of Income and Comprehensive Income.</us-gaap:DirectFinancingLeaseLeaseIncomeTableTextBlock>
    <us-gaap:DirectFinancingLeaseInterestIncome contextRef="c-1" decimals="-6" id="f-1708" unitRef="usd">119000000</us-gaap:DirectFinancingLeaseInterestIncome>
    <us-gaap:DirectFinancingLeaseInterestIncome contextRef="c-9" decimals="-6" id="f-1709" unitRef="usd">53000000</us-gaap:DirectFinancingLeaseInterestIncome>
    <us-gaap:DirectFinancingLeaseInterestIncome contextRef="c-10" decimals="-6" id="f-1710" unitRef="usd">53000000</us-gaap:DirectFinancingLeaseInterestIncome>
    <us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss contextRef="c-7" decimals="-8" id="f-1711" unitRef="usd">3500000000</us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss>
    <us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss contextRef="c-8" decimals="-8" id="f-1712" unitRef="usd">1700000000</us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss>
    <us-gaap:NetInvestmentInLeasePastDueTableTextBlock contextRef="c-1" id="f-1713">The components of net investment in direct financing leases, including the carrying amount of the lease receivables, as well as the unguaranteed residual asset were as follows: &lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:60.288%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net investment in the lease - lease payments receivable&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,685&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net investment in the lease - unguaranteed residual assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease payments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,745&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:NetInvestmentInLeasePastDueTableTextBlock>
    <us-gaap:DirectFinancingLeaseLeaseReceivable contextRef="c-7" decimals="-6" id="f-1714" unitRef="usd">3187000000</us-gaap:DirectFinancingLeaseLeaseReceivable>
    <us-gaap:DirectFinancingLeaseLeaseReceivable contextRef="c-8" decimals="-6" id="f-1715" unitRef="usd">1685000000</us-gaap:DirectFinancingLeaseLeaseReceivable>
    <us-gaap:DirectFinancingLeaseUnguaranteedResidualAsset contextRef="c-7" decimals="-6" id="f-1716" unitRef="usd">321000000</us-gaap:DirectFinancingLeaseUnguaranteedResidualAsset>
    <us-gaap:DirectFinancingLeaseUnguaranteedResidualAsset contextRef="c-8" decimals="-6" id="f-1717" unitRef="usd">60000000</us-gaap:DirectFinancingLeaseUnguaranteedResidualAsset>
    <us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss contextRef="c-7" decimals="-6" id="f-1718" unitRef="usd">3508000000</us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss>
    <us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss contextRef="c-8" decimals="-6" id="f-1719" unitRef="usd">1745000000</us-gaap:DirectFinancingLeaseNetInvestmentInLeaseAfterAllowanceForCreditLoss>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock contextRef="c-1" id="f-1720">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the remaining maturity analysis of the undiscounted lease receivables, as well as the reconciliation to the total amount of receivables recognized in the Consolidated Statements of Condition: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.428%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;549&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;602&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;874&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;521&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;293&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;669&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease payments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,508&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Plus: deferred origination costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: unearned income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(258)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: purchase accounting adjustment&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(76)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease finance receivables, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableMaturityTableTextBlock>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths contextRef="c-7" decimals="-6" id="f-1721" unitRef="usd">549000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedNextTwelveMonths>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears contextRef="c-7" decimals="-6" id="f-1722" unitRef="usd">602000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedTwoYears>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears contextRef="c-7" decimals="-6" id="f-1723" unitRef="usd">874000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThreeYears>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears contextRef="c-7" decimals="-6" id="f-1724" unitRef="usd">521000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFourYears>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears contextRef="c-7" decimals="-6" id="f-1725" unitRef="usd">293000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedFiveYears>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter contextRef="c-7" decimals="-6" id="f-1726" unitRef="usd">669000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceivedThereafter>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived contextRef="c-7" decimals="-6" id="f-1727" unitRef="usd">3508000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivablePaymentsToBeReceived>
    <fbc:SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts contextRef="c-7" decimals="-6" id="f-1728" unitRef="usd">15000000</fbc:SalesTypeAndDirectFinancingLeasesLeaseReceivableDeferredOriginationCosts>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount contextRef="c-7" decimals="-6" id="f-1729" unitRef="usd">258000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivableUndiscountedExcessAmount>
    <fbc:SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment contextRef="c-7" decimals="-6" id="f-1730" unitRef="usd">76000000</fbc:SalesTypeAndDirectFinancingLeasesLeaseReceivablePurchaseAccountingAdjustment>
    <us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivable contextRef="c-7" decimals="-6" id="f-1731" unitRef="usd">3189000000</us-gaap:SalesTypeAndDirectFinancingLeasesLeaseReceivable>
    <us-gaap:LesseeLeasesPolicyTextBlock contextRef="c-1" id="f-1732">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company has operating leases for corporate offices, branch locations, and certain equipment. These leases generally have terms of 20 years or less, determined based on the contractual maturity of the lease, and include periods covered by options to extend or terminate the lease when the Company is reasonably certain that it will exercise those options. For the vast majority of the Company&#x2019;s leases, we are not reasonably certain we will exercise our options to renew to the end of all renewal option periods. The Company determines if an arrangement is a lease at inception. Operating leases are included in other assets and other liabilities in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;ROU assets represent the Company&#x2019;s right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As the vast majority of the leases do not provide an implicit rate, the incremental borrowing rate (FHLB borrowing rate) is used based on the information available at commencement date in determining the present value of lease payments. The implicit rate is used when readily determinable. The operating lease ROU asset is measured at cost, which includes the initial measurement of the lease liability, prepaid rent and initial direct costs incurred by the Company, less incentives received.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Variable costs such as the proportionate share of actual costs for utilities, common area maintenance, property taxes and insurance are not included in the lease liability and are recognized in the period in which they are incurred.&lt;/span&gt;&lt;/div&gt;</us-gaap:LesseeLeasesPolicyTextBlock>
    <us-gaap:LesseeOperatingLeaseTermOfContract contextRef="c-7" id="f-1733">P20Y</us-gaap:LesseeOperatingLeaseTermOfContract>
    <us-gaap:LeaseCostTableTextBlock contextRef="c-1" id="f-1734">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The components of lease expense were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:40.469%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.231%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.923%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.815%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating lease cost&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease cost&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;86&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Supplemental cash flow information related to the leases for the following periods: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.414%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.958%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.744%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash paid for amounts included in the measurement of lease liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating cash flows from operating leases&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;64&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:LeaseCostTableTextBlock>
    <us-gaap:OperatingLeaseCost contextRef="c-1" decimals="-6" id="f-1735" unitRef="usd">86000000</us-gaap:OperatingLeaseCost>
    <us-gaap:OperatingLeaseCost contextRef="c-9" decimals="-6" id="f-1736" unitRef="usd">28000000</us-gaap:OperatingLeaseCost>
    <us-gaap:OperatingLeaseCost contextRef="c-10" decimals="-6" id="f-1737" unitRef="usd">27000000</us-gaap:OperatingLeaseCost>
    <us-gaap:LeaseCost contextRef="c-1" decimals="-6" id="f-1738" unitRef="usd">86000000</us-gaap:LeaseCost>
    <us-gaap:LeaseCost contextRef="c-9" decimals="-6" id="f-1739" unitRef="usd">28000000</us-gaap:LeaseCost>
    <us-gaap:LeaseCost contextRef="c-10" decimals="-6" id="f-1740" unitRef="usd">27000000</us-gaap:LeaseCost>
    <us-gaap:OperatingLeasePayments contextRef="c-1" decimals="-6" id="f-1741" unitRef="usd">64000000</us-gaap:OperatingLeasePayments>
    <us-gaap:OperatingLeasePayments contextRef="c-9" decimals="-6" id="f-1742" unitRef="usd">28000000</us-gaap:OperatingLeasePayments>
    <fbc:AssetsAndLiabilitiesLesseeTableTextBlock contextRef="c-1" id="f-1743">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Supplemental balance sheet information related to the leases for the following periods: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:63.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.541%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions, except lease term and discount rate)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating Leases:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating lease right-of-use assets &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;119&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating lease liabilities &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;122&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average remaining lease term&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6 years&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average discount rate percent&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Included in &lt;span style="-sec-ix-hidden:f-1752"&gt;&lt;span style="-sec-ix-hidden:f-1753"&gt;Other assets&lt;/span&gt;&lt;/span&gt; in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Included in &lt;span style="-sec-ix-hidden:f-1754"&gt;&lt;span style="-sec-ix-hidden:f-1755"&gt;Other liabilities&lt;/span&gt;&lt;/span&gt; in the Consolidated Statements of Condition.&lt;/span&gt;&lt;/div&gt;</fbc:AssetsAndLiabilitiesLesseeTableTextBlock>
    <us-gaap:OperatingLeaseRightOfUseAsset contextRef="c-7" decimals="-6" id="f-1744" unitRef="usd">426000000</us-gaap:OperatingLeaseRightOfUseAsset>
    <us-gaap:OperatingLeaseRightOfUseAsset contextRef="c-8" decimals="-6" id="f-1745" unitRef="usd">119000000</us-gaap:OperatingLeaseRightOfUseAsset>
    <us-gaap:OperatingLeaseLiability contextRef="c-7" decimals="-6" id="f-1746" unitRef="usd">446000000</us-gaap:OperatingLeaseLiability>
    <us-gaap:OperatingLeaseLiability contextRef="c-8" decimals="-6" id="f-1747" unitRef="usd">122000000</us-gaap:OperatingLeaseLiability>
    <us-gaap:OperatingLeaseWeightedAverageRemainingLeaseTerm1 contextRef="c-7" id="f-1748">P11Y2M12D</us-gaap:OperatingLeaseWeightedAverageRemainingLeaseTerm1>
    <us-gaap:OperatingLeaseWeightedAverageRemainingLeaseTerm1 contextRef="c-8" id="f-1749">P6Y</us-gaap:OperatingLeaseWeightedAverageRemainingLeaseTerm1>
    <us-gaap:OperatingLeaseWeightedAverageDiscountRatePercent contextRef="c-7" decimals="4" id="f-1750" unitRef="number">0.0471</us-gaap:OperatingLeaseWeightedAverageDiscountRatePercent>
    <us-gaap:OperatingLeaseWeightedAverageDiscountRatePercent contextRef="c-8" decimals="4" id="f-1751" unitRef="number">0.0385</us-gaap:OperatingLeaseWeightedAverageDiscountRatePercent>
    <us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock contextRef="c-1" id="f-1756">&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.012%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Maturities of lease liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;296&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total lease payments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Less: imputed interest&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(141)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total present value of lease liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;446&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:LesseeOperatingLeaseLiabilityMaturityTableTextBlock>
    <us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths contextRef="c-7" decimals="-6" id="f-1757" unitRef="usd">71000000</us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths>
    <us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearTwo contextRef="c-7" decimals="-6" id="f-1758" unitRef="usd">65000000</us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearTwo>
    <us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearThree contextRef="c-7" decimals="-6" id="f-1759" unitRef="usd">58000000</us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearThree>
    <us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearFour contextRef="c-7" decimals="-6" id="f-1760" unitRef="usd">52000000</us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearFour>
    <us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearFive contextRef="c-7" decimals="-6" id="f-1761" unitRef="usd">45000000</us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueYearFive>
    <us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive contextRef="c-7" decimals="-6" id="f-1762" unitRef="usd">296000000</us-gaap:LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive>
    <us-gaap:LesseeOperatingLeaseLiabilityPaymentsDue contextRef="c-7" decimals="-6" id="f-1763" unitRef="usd">587000000</us-gaap:LesseeOperatingLeaseLiabilityPaymentsDue>
    <us-gaap:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount contextRef="c-7" decimals="-6" id="f-1764" unitRef="usd">141000000</us-gaap:LesseeOperatingLeaseLiabilityUndiscountedExcessAmount>
    <us-gaap:OperatingLeaseLiability contextRef="c-7" decimals="-6" id="f-1765" unitRef="usd">446000000</us-gaap:OperatingLeaseLiability>
    <us-gaap:TransfersAndServicingOfFinancialAssetsTextBlock contextRef="c-1" id="f-1766">Mortgage Servicing Rights&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company has investments in MSRs that result from the sale of loans to the secondary market for which we retain the servicing. The Company accounts for MSRs at their fair value. A primary risk associated with MSRs is the potential reduction in fair value as a result of higher than anticipated prepayments due to loan refinancing prompted, in part, by declining interest rates or government intervention. Conversely, these assets generally increase in value in a rising interest rate environment to the extent that prepayments are slower than anticipated. The Company utilizes derivatives as economic hedges to offset changes in the fair value of the MSRs resulting from the actual or anticipated changes in prepayments stemming from changing interest rate environments. There is also a risk of valuation decline due to higher than expected default rates, which we do not believe can be effectively managed using derivatives. For further information regarding the derivative instruments utilized to manage our MSR risks, see Note 15 - Derivative and Hedging Activities.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Changes in the fair value of residential first mortgage MSRs were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.635%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.165%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at beginning of period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Additions from loans sold with servicing retained&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Reductions from sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes, and other &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Changes in estimates of fair value due to interest rate risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1) (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of MSRs at end of period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Changes in fair value are included within &lt;span style="-sec-ix-hidden:f-1774"&gt;&lt;span style="-sec-ix-hidden:f-1775"&gt;net return on mortgage servicing rights&lt;/span&gt;&lt;/span&gt; on the Consolidated Statements of Income and Comprehensive Income.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents estimated MSR value change resulting primarily from market-driven changes which we manage through the use of derivatives.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the hypothetical effect on the fair value of servicing rights using adverse changes of 10 percent and 20 percent to the weighted average of certain significant assumptions used in valuing these assets:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.650%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10% adverse change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20% adverse change&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Option adjusted spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,091&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Constant prepayment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,073&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average cost to service per loan&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.650%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.873%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10% adverse change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20% adverse change&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Option adjusted spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Constant prepayment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average cost to service per loan&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The sensitivity calculations above are hypothetical and should not be considered to be predictive of future performance. Changes in fair value based on adverse changes in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. To isolate the effect of the specified change, the fair value shock analysis is consistent with the identified adverse change, while holding all other assumptions constant. In practice, a change in one assumption generally impacts other assumptions, which may either magnify or counteract the effect of the change. For further information on the fair value of MSRs&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, see Note 18 - Fair Value Measures&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Contractual servicing and subservicing fees, including late fees and other ancillary income are presented below. Contractual servicing fees are included within net return on mortgage servicing rights on the Consolidated Statements of Income and Comprehensive Income. Contractual subservicing fees including late fees and other ancillary income are included within loan administration income on the Consolidated Statements of Income and Comprehensive Income. Subservicing fee income is recorded for fees earned on subserviced loans, net of third-party subservicing costs.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes income and fees associated with owned MSRs:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.099%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.252%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Month Ended December 31, 2022&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net return on mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Servicing fees, ancillary income and late fees&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Changes in fair value due to interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gain on MSR derivatives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net transaction costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:10pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total return included in net return on mortgage servicing rights&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Changes in the derivatives utilized as economic hedges to offset changes in fair value of the MSRs.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes income and fees associated with our mortgage loans subserviced for others: &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:70.118%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.732%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan administration income on mortgage loans subserviced&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Servicing fees, ancillary income and late fees &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Charges on subserviced custodial balances &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(168)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other servicing charges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total (loss) income on mortgage loans subserviced, included in loan administration income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Charges on subserviced custodial balances represent interest due to MSR owner.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We also earned approximately $95&#160;million in service fee income for loans being serviced for the FDIC related to the Signature transaction.&lt;/span&gt;&lt;/div&gt;</us-gaap:TransfersAndServicingOfFinancialAssetsTextBlock>
    <us-gaap:ScheduleOfServicingAssetsAtFairValueTextBlock contextRef="c-1" id="f-1767">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Changes in the fair value of residential first mortgage MSRs were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:84.635%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.165%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at beginning of period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Additions from loans sold with servicing retained&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Reductions from sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes, and other &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Changes in estimates of fair value due to interest rate risk&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1) (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of MSRs at end of period&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Changes in fair value are included within &lt;span style="-sec-ix-hidden:f-1774"&gt;&lt;span style="-sec-ix-hidden:f-1775"&gt;net return on mortgage servicing rights&lt;/span&gt;&lt;/span&gt; on the Consolidated Statements of Income and Comprehensive Income.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents estimated MSR value change resulting primarily from market-driven changes which we manage through the use of derivatives.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfServicingAssetsAtFairValueTextBlock>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-371" decimals="-6" id="f-1768" unitRef="usd">1033000000</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:ServicingAssetAtFairValueAdditions contextRef="c-372" decimals="-6" id="f-1769" unitRef="usd">208000000</us-gaap:ServicingAssetAtFairValueAdditions>
    <us-gaap:ServicingAssetAtFairValueDisposals contextRef="c-372" decimals="-6" id="f-1770" unitRef="usd">51000000</us-gaap:ServicingAssetAtFairValueDisposals>
    <us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue contextRef="c-1" decimals="-6" id="f-1771" unitRef="usd">-80000000</us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue>
    <us-gaap:ServicingAssetAtFairValuePeriodIncreaseDecrease contextRef="c-1" decimals="-6" id="f-1772" unitRef="usd">1000000</us-gaap:ServicingAssetAtFairValuePeriodIncreaseDecrease>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-373" decimals="-6" id="f-1773" unitRef="usd">1111000000</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock contextRef="c-1" id="f-1776">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the hypothetical effect on the fair value of servicing rights using adverse changes of 10 percent and 20 percent to the weighted average of certain significant assumptions used in valuing these assets:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.650%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.929%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10% adverse change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20% adverse change&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Option adjusted spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,091&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,072&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Constant prepayment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,073&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,040&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average cost to service per loan&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,090&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:58.066%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.650%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.873%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actual&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10% adverse change&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20% adverse change&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Option adjusted spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;992&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Constant prepayment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;970&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average cost to service per loan&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,023&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,013&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfSensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock>
    <fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent contextRef="c-1" decimals="4" id="f-1777" unitRef="number">0.054</fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent>
    <fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread contextRef="c-7" decimals="-6" id="f-1778" unitRef="usd">1091000000</fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread>
    <fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread contextRef="c-7" decimals="-6" id="f-1779" unitRef="usd">1072000000</fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent contextRef="c-1" decimals="4" id="f-1780" unitRef="number">0.079</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed contextRef="c-7" decimals="-6" id="f-1781" unitRef="usd">1073000000</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed contextRef="c-7" decimals="-6" id="f-1782" unitRef="usd">1040000000</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed>
    <fbc:SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan contextRef="c-1" decimals="0" id="f-1783" unitRef="usd">69</fbc:SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption contextRef="c-7" decimals="-6" id="f-1784" unitRef="usd">1100000000</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption contextRef="c-7" decimals="-6" id="f-1785" unitRef="usd">1090000000</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption>
    <fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent contextRef="c-9" decimals="4" id="f-1786" unitRef="number">0.059</fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactofOtherthan10or20PercentAdverseChangeinOptionAdjustedSpreadPercent>
    <fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread contextRef="c-8" decimals="-6" id="f-1787" unitRef="usd">1012000000</fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof10PercentAdverseChangeinOptionAdjustedSpread>
    <fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread contextRef="c-8" decimals="-6" id="f-1788" unitRef="usd">992000000</fbc:SensitivityAnalysisofFairValueTransferorsInterestsinTransferredFinancialAssetsImpactof20PercentAdverseChangeinOptionAdjustedSpread>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent contextRef="c-9" decimals="4" id="f-1789" unitRef="number">0.079</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfOtherThan10Or20PercentAdverseChangeInPrepaymentSpeedPercent>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed contextRef="c-8" decimals="-6" id="f-1790" unitRef="usd">1000000000</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed contextRef="c-8" decimals="-6" id="f-1791" unitRef="usd">970000000</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed>
    <fbc:SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan contextRef="c-9" decimals="0" id="f-1792" unitRef="usd">68</fbc:SensitivityAnalysisOfFairValuesTransferorsInterestsInTransferredFinancialAssetsImpactOfOtherThan10Or20PercentAdverseChangeInOtherAssumptionPerLoan>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption contextRef="c-8" decimals="-6" id="f-1793" unitRef="usd">1023000000</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInOtherAssumption>
    <us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption contextRef="c-8" decimals="-6" id="f-1794" unitRef="usd">1013000000</us-gaap:SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInOtherAssumption>
    <fbc:ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock contextRef="c-1" id="f-1795">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes income and fees associated with owned MSRs:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.099%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.987%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.461%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.252%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Month Ended December 31, 2022&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net return on mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Servicing fees, ancillary income and late fees&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Decrease in MSR fair value due to pay-offs, pay-downs, run-off, model changes and other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(80)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Changes in fair value due to interest rate risk&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;Gain on MSR derivatives&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net transaction costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:10pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total return included in net return on mortgage servicing rights&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;103&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Changes in the derivatives utilized as economic hedges to offset changes in fair value of the MSRs.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes income and fees associated with our mortgage loans subserviced for others: &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:70.118%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.850%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.732%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loan administration income on mortgage loans subserviced&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Servicing fees, ancillary income and late fees &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Charges on subserviced custodial balances &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(168)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other servicing charges&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total (loss) income on mortgage loans subserviced, included in loan administration income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(17)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Servicing fees are recorded on an accrual basis. Ancillary income and late fees are recorded on a cash basis.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Charges on subserviced custodial balances represent interest due to MSR owner.&lt;/span&gt;&lt;/div&gt;</fbc:ScheduleOfServicingAssetsAtFairValueServicingFeesTableTextBlock>
    <us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets contextRef="c-372" decimals="-6" id="f-1796" unitRef="usd">227000000</us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets>
    <us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets contextRef="c-374" decimals="-6" id="f-1797" unitRef="usd">20000000</us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets>
    <us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue contextRef="c-372" decimals="-6" id="f-1798" unitRef="usd">-80000000</us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue>
    <us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue contextRef="c-374" decimals="-6" id="f-1799" unitRef="usd">-8000000</us-gaap:ServicingAssetAtFairValueOtherChangesInFairValue>
    <us-gaap:ServicingAssetAtFairValuePeriodIncreaseDecrease contextRef="c-372" decimals="-6" id="f-1800" unitRef="usd">1000000</us-gaap:ServicingAssetAtFairValuePeriodIncreaseDecrease>
    <us-gaap:ServicingAssetAtFairValuePeriodIncreaseDecrease contextRef="c-374" decimals="-6" id="f-1801" unitRef="usd">10000000</us-gaap:ServicingAssetAtFairValuePeriodIncreaseDecrease>
    <us-gaap:GainLossOnOilAndGasHedgingActivity contextRef="c-372" decimals="-6" id="f-1802" unitRef="usd">-47000000</us-gaap:GainLossOnOilAndGasHedgingActivity>
    <us-gaap:GainLossOnOilAndGasHedgingActivity contextRef="c-374" decimals="-6" id="f-1803" unitRef="usd">-16000000</us-gaap:GainLossOnOilAndGasHedgingActivity>
    <fbc:ServicingAssetatFairValueNetTransactionCosts contextRef="c-372" decimals="-6" id="f-1804" unitRef="usd">2000000</fbc:ServicingAssetatFairValueNetTransactionCosts>
    <fbc:ServicingAssetatFairValueNetTransactionCosts contextRef="c-374" decimals="-6" id="f-1805" unitRef="usd">0</fbc:ServicingAssetatFairValueNetTransactionCosts>
    <us-gaap:MortgageServicingRightsMSRImpairmentRecovery contextRef="c-1" decimals="-6" id="f-1806" unitRef="usd">-103000000</us-gaap:MortgageServicingRightsMSRImpairmentRecovery>
    <us-gaap:MortgageServicingRightsMSRImpairmentRecovery contextRef="c-9" decimals="-6" id="f-1807" unitRef="usd">-6000000</us-gaap:MortgageServicingRightsMSRImpairmentRecovery>
    <us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets contextRef="c-375" decimals="-6" id="f-1808" unitRef="usd">154000000</us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets>
    <us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets contextRef="c-376" decimals="-6" id="f-1809" unitRef="usd">11000000</us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets>
    <fbc:SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances contextRef="c-375" decimals="-6" id="f-1810" unitRef="usd">168000000</fbc:SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances>
    <fbc:SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances contextRef="c-376" decimals="-6" id="f-1811" unitRef="usd">8000000</fbc:SubservicingAssetAtFairValueChargesOnSubservicedEscrowBalances>
    <fbc:OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount contextRef="c-375" decimals="-6" id="f-1812" unitRef="usd">3000000</fbc:OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount>
    <fbc:OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount contextRef="c-376" decimals="-6" id="f-1813" unitRef="usd">0</fbc:OtherServicingChargesGeneratedbyServicingFinancialAssetsAmount>
    <fbc:SubservicingAssetatFairValueIncomeAmount contextRef="c-1" decimals="-6" id="f-1814" unitRef="usd">-17000000</fbc:SubservicingAssetatFairValueIncomeAmount>
    <fbc:SubservicingAssetatFairValueIncomeAmount contextRef="c-9" decimals="-6" id="f-1815" unitRef="usd">3000000</fbc:SubservicingAssetatFairValueIncomeAmount>
    <us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets contextRef="c-377" decimals="-6" id="f-1816" unitRef="usd">95000000</us-gaap:ContractuallySpecifiedServicingFeesLateFeesAndAncillaryFeesEarnedInExchangeForServicingFinancialAssets>
    <us-gaap:VariableInterestEntityDisclosureTextBlock contextRef="c-1" id="f-1817">Variable Interest Entities&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We have no consolidated VIEs as of December&#160;31, 2023 and December&#160;31, 2022.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;In connection with our non-qualified mortgage securitization activities, we have retained a five percent interest in the investment securities of certain trusts ("other MBS") and are contracted as the subservicer of the underlying loans, compensated based on market rates, which constitutes a continuing involvement in these trusts. Although we have a variable interest in these securitization trusts, we are not their primary beneficiary due to the relative size of our investment in comparison to the total amount of securities issued by the VIE and our inability to direct activities that most significantly impact the VIE&#x2019;s economic performance. As a result, we have not consolidated the assets and liabilities of the VIE in our Consolidated Statements of Condition. The Bank&#x2019;s maximum exposure to loss is limited to our five percent retained interest in the investment securities that had a fair value of $180&#160;million as of December&#160;31, 2023 as well as the standard representations and warranties made in conjunction with the loan transfers.</us-gaap:VariableInterestEntityDisclosureTextBlock>
    <fbc:VariableInterestEntityNumberofEntities contextRef="c-7" decimals="INF" id="f-1818" unitRef="unit">0</fbc:VariableInterestEntityNumberofEntities>
    <fbc:VariableInterestEntityNumberofEntities contextRef="c-8" decimals="INF" id="f-1819" unitRef="unit">0</fbc:VariableInterestEntityNumberofEntities>
    <us-gaap:VariableInterestEntityOwnershipPercentage
      contextRef="c-378"
      decimals="INF"
      id="f-1820"
      unitRef="number">0.05</us-gaap:VariableInterestEntityOwnershipPercentage>
    <us-gaap:VariableInterestEntityOwnershipPercentage
      contextRef="c-378"
      decimals="INF"
      id="f-1821"
      unitRef="number">0.05</us-gaap:VariableInterestEntityOwnershipPercentage>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-379" decimals="-6" id="f-1822" unitRef="usd">180000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="c-1" id="f-1823">Deposits&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table sets forth the weighted average interest rates for each type of deposit at December&#160;31, 2023 and 2022: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.205%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.177%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest-bearing checking and money market accounts&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38.34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Savings accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Certificates of deposit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-interest-bearing accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,055&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20.53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total deposits&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:36pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and 2022, the aggregate amount of time deposit accounts (including certificates of deposit) that meet or exceed the insured limit was $7.9 billion and $3.7 billion, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:36pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and 2022, the aggregate amount of deposits that had been reclassified as loan balances (i.e., overdrafts) was $121&#160;million and $4&#160;million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The scheduled maturities of certificates of deposit at December&#160;31, 2023 were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.269%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.405%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.395%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1 year or less&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;More than 1 year through 2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;More than 2 years through 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;More than 3 years through 4 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;More than 4 years through 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total CDs &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1) Excludes PAA&lt;/span&gt;&lt;/div&gt;Included in total deposits at both December&#160;31, 2023 and 2022 were brokered deposits of $9.5&#160;billion and $5.1&#160;billion with weighted average interest rates of 3.72 percent and .49 percent at the respective year-ends. Brokered money market accounts represented $1.3&#160;billion and $2.8&#160;billion of the December&#160;31, 2023 and 2022 totals, and brokered interest-bearing checking accounts represented $1.6&#160;billion and $1.0&#160;billion, respectively. Brokered CDs represented $6.6&#160;billion and $1.3&#160;billion of brokered deposits at December&#160;31, 2023 and 2022, respectively.</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
    <us-gaap:DepositLiabilitiesTypeTableTextBlock contextRef="c-1" id="f-1824">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table sets forth the weighted average interest rates for each type of deposit at December&#160;31, 2023 and 2022: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.205%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.177%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Percent of Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest-bearing checking and money market accounts&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30,700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38.34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Savings accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,773&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.76&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.67&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,645&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19.83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Certificates of deposit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,554&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26.44&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,510&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21.30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.04&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-interest-bearing accounts&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20,499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25.14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,055&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20.53&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total deposits&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.79&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1.71&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DepositLiabilitiesTypeTableTextBlock>
    <us-gaap:DepositsMoneyMarketDeposits contextRef="c-7" decimals="-6" id="f-1825" unitRef="usd">30700000000</us-gaap:DepositsMoneyMarketDeposits>
    <us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket contextRef="c-7" decimals="4" id="f-1826" unitRef="number">0.3766</us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket>
    <us-gaap:WeightedAverageRateDomesticDepositMoneyMarket contextRef="c-7" decimals="4" id="f-1827" unitRef="number">0.0351</us-gaap:WeightedAverageRateDomesticDepositMoneyMarket>
    <us-gaap:DepositsMoneyMarketDeposits contextRef="c-8" decimals="-6" id="f-1828" unitRef="usd">22511000000</us-gaap:DepositsMoneyMarketDeposits>
    <us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket contextRef="c-8" decimals="4" id="f-1829" unitRef="number">0.3834</us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsMoneyMarket>
    <us-gaap:WeightedAverageRateDomesticDepositMoneyMarket contextRef="c-8" decimals="4" id="f-1830" unitRef="number">0.0266</us-gaap:WeightedAverageRateDomesticDepositMoneyMarket>
    <us-gaap:DepositsSavingsDeposits contextRef="c-7" decimals="-6" id="f-1831" unitRef="usd">8773000000</us-gaap:DepositsSavingsDeposits>
    <us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsSavings contextRef="c-7" decimals="4" id="f-1832" unitRef="number">0.1076</us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsSavings>
    <us-gaap:WeightedAverageRateDomesticDepositSavings contextRef="c-7" decimals="4" id="f-1833" unitRef="number">0.0267</us-gaap:WeightedAverageRateDomesticDepositSavings>
    <us-gaap:DepositsSavingsDeposits contextRef="c-8" decimals="-6" id="f-1834" unitRef="usd">11645000000</us-gaap:DepositsSavingsDeposits>
    <us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsSavings contextRef="c-8" decimals="4" id="f-1835" unitRef="number">0.1983</us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsSavings>
    <us-gaap:WeightedAverageRateDomesticDepositSavings contextRef="c-8" decimals="4" id="f-1836" unitRef="number">0.0130</us-gaap:WeightedAverageRateDomesticDepositSavings>
    <us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits contextRef="c-7" decimals="-6" id="f-1837" unitRef="usd">21554000000</us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits>
    <us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit contextRef="c-7" decimals="4" id="f-1838" unitRef="number">0.2644</us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit>
    <us-gaap:WeightedAverageRateDomesticDepositCertificatesOfDeposit contextRef="c-7" decimals="4" id="f-1839" unitRef="number">0.0442</us-gaap:WeightedAverageRateDomesticDepositCertificatesOfDeposit>
    <us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits contextRef="c-8" decimals="-6" id="f-1840" unitRef="usd">12510000000</us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits>
    <us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit contextRef="c-8" decimals="4" id="f-1841" unitRef="number">0.2130</us-gaap:PercentageOfInterestBearingDomesticDepositsToDepositsCertificatesOfDeposit>
    <us-gaap:WeightedAverageRateDomesticDepositCertificatesOfDeposit contextRef="c-8" decimals="4" id="f-1842" unitRef="number">0.0204</us-gaap:WeightedAverageRateDomesticDepositCertificatesOfDeposit>
    <us-gaap:NoninterestBearingDepositLiabilities contextRef="c-7" decimals="-6" id="f-1843" unitRef="usd">20499000000</us-gaap:NoninterestBearingDepositLiabilities>
    <fbc:PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts contextRef="c-7" decimals="4" id="f-1844" unitRef="number">0.2514</fbc:PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts>
    <fbc:WeightedAverageRateNoninterestBearingDepositLiabilities contextRef="c-7" decimals="4" id="f-1845" unitRef="number">0</fbc:WeightedAverageRateNoninterestBearingDepositLiabilities>
    <us-gaap:NoninterestBearingDepositLiabilities contextRef="c-8" decimals="-6" id="f-1846" unitRef="usd">12055000000</us-gaap:NoninterestBearingDepositLiabilities>
    <fbc:PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts contextRef="c-8" decimals="4" id="f-1847" unitRef="number">0.2053</fbc:PercentageOfNonInterestBearingDomesticDepositsToDepositsNonInterestBearingAccounts>
    <fbc:WeightedAverageRateNoninterestBearingDepositLiabilities contextRef="c-8" decimals="4" id="f-1848" unitRef="number">0</fbc:WeightedAverageRateNoninterestBearingDepositLiabilities>
    <us-gaap:Deposits contextRef="c-7" decimals="-6" id="f-1849" unitRef="usd">81526000000</us-gaap:Deposits>
    <fbc:PercentageOfTotalDeposits contextRef="c-7" decimals="3" id="f-1850" unitRef="number">1.0000</fbc:PercentageOfTotalDeposits>
    <fbc:WeightedAverageRateDepositLiabilities contextRef="c-7" decimals="4" id="f-1851" unitRef="number">0.0279</fbc:WeightedAverageRateDepositLiabilities>
    <us-gaap:Deposits contextRef="c-8" decimals="-6" id="f-1852" unitRef="usd">58721000000</us-gaap:Deposits>
    <fbc:PercentageOfTotalDeposits contextRef="c-8" decimals="4" id="f-1853" unitRef="number">1.0000</fbc:PercentageOfTotalDeposits>
    <fbc:WeightedAverageRateDepositLiabilities contextRef="c-8" decimals="4" id="f-1854" unitRef="number">0.0171</fbc:WeightedAverageRateDepositLiabilities>
    <us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1 contextRef="c-7" decimals="-6" id="f-1855" unitRef="usd">121000000</us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1>
    <us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1 contextRef="c-8" decimals="-6" id="f-1856" unitRef="usd">4000000</us-gaap:DepositLiabilitiesReclassifiedAsLoansReceivable1>
    <us-gaap:TimeDepositMaturitiesTableTextBlock contextRef="c-1" id="f-1857">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The scheduled maturities of certificates of deposit at December&#160;31, 2023 were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.269%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.405%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.395%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1 year or less&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17,321&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;More than 1 year through 2 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,879&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;More than 2 years through 3 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;More than 3 years through 4 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;More than 4 years through 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Over 5 years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total CDs &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,581&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%"&gt;(1) Excludes PAA&lt;/span&gt;&lt;/div&gt;</us-gaap:TimeDepositMaturitiesTableTextBlock>
    <us-gaap:TimeDepositMaturitiesYearOne contextRef="c-380" decimals="-6" id="f-1858" unitRef="usd">17321000000</us-gaap:TimeDepositMaturitiesYearOne>
    <us-gaap:TimeDepositMaturitiesYearTwo contextRef="c-380" decimals="-6" id="f-1859" unitRef="usd">3879000000</us-gaap:TimeDepositMaturitiesYearTwo>
    <us-gaap:TimeDepositMaturitiesYearThree contextRef="c-380" decimals="-6" id="f-1860" unitRef="usd">229000000</us-gaap:TimeDepositMaturitiesYearThree>
    <us-gaap:TimeDepositMaturitiesYearFour contextRef="c-380" decimals="-6" id="f-1861" unitRef="usd">142000000</us-gaap:TimeDepositMaturitiesYearFour>
    <us-gaap:TimeDepositMaturitiesYearFive contextRef="c-380" decimals="-6" id="f-1862" unitRef="usd">7000000</us-gaap:TimeDepositMaturitiesYearFive>
    <us-gaap:TimeDepositMaturitiesAfterYearFive contextRef="c-380" decimals="-6" id="f-1863" unitRef="usd">3000000</us-gaap:TimeDepositMaturitiesAfterYearFive>
    <us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits contextRef="c-380" decimals="-6" id="f-1864" unitRef="usd">21581000000</us-gaap:InterestBearingDomesticDepositCertificatesOfDeposits>
    <us-gaap:InterestBearingDomesticDepositBrokered contextRef="c-7" decimals="-7" id="f-1865" unitRef="usd">9500000000</us-gaap:InterestBearingDomesticDepositBrokered>
    <us-gaap:InterestBearingDomesticDepositBrokered contextRef="c-8" decimals="-7" id="f-1866" unitRef="usd">5100000000</us-gaap:InterestBearingDomesticDepositBrokered>
    <us-gaap:WeightedAverageRateDomesticDepositBrokered contextRef="c-7" decimals="4" id="f-1867" unitRef="number">0.0372</us-gaap:WeightedAverageRateDomesticDepositBrokered>
    <us-gaap:WeightedAverageRateDomesticDepositBrokered contextRef="c-8" decimals="0" id="f-1868" unitRef="number">49</us-gaap:WeightedAverageRateDomesticDepositBrokered>
    <fbc:InterestBearingDomesticDepositBrokeredMoneyMarket contextRef="c-7" decimals="-7" id="f-1869" unitRef="usd">1300000000</fbc:InterestBearingDomesticDepositBrokeredMoneyMarket>
    <fbc:InterestBearingDomesticDepositBrokeredMoneyMarket contextRef="c-8" decimals="-7" id="f-1870" unitRef="usd">2800000000</fbc:InterestBearingDomesticDepositBrokeredMoneyMarket>
    <fbc:InterestBearingDepositBrokeredCheckingAccount contextRef="c-7" decimals="-7" id="f-1871" unitRef="usd">1600000000</fbc:InterestBearingDepositBrokeredCheckingAccount>
    <fbc:InterestBearingDepositBrokeredCheckingAccount contextRef="c-8" decimals="-7" id="f-1872" unitRef="usd">1000000000</fbc:InterestBearingDepositBrokeredCheckingAccount>
    <fbc:InterestBearingDomesticDepositBrokeredCertificatesOfDeposits contextRef="c-7" decimals="-7" id="f-1873" unitRef="usd">6600000000</fbc:InterestBearingDomesticDepositBrokeredCertificatesOfDeposits>
    <fbc:InterestBearingDomesticDepositBrokeredCertificatesOfDeposits contextRef="c-8" decimals="-7" id="f-1874" unitRef="usd">1300000000</fbc:InterestBearingDomesticDepositBrokeredCertificatesOfDeposits>
    <us-gaap:DebtDisclosureTextBlock contextRef="c-1" id="f-1875">Borrowed Funds&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s borrowed funds: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:72.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.816%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.494%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.818%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Wholesale borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;FHLB advances&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:10pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;FRB term funding&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total wholesale borrowings&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Junior subordinated debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;575&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Subordinated notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;432&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total borrowed funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Accrued interest on borrowed funds is included in &#x201c;Other liabilities&#x201d; in the Consolidated Statements of Condition and amounted to&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; $50&#160;million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and $37&#160;million, respectively, at December&#160;31, 2023, December&#160;31, 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;FHLB Advances&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The contractual maturities and the next call dates of FHLB advances outstanding at December&#160;31, 2023 were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.150%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.844%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.320%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Contractual Maturity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Earlier of Contractual Maturity or Next Call Date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions) Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate (1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate (1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2032&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total FHLB advances&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Does not included the effect interest rate swap agreements.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;FHLB advances include both straight fixed-rate advances and advances under the FHLB convertible advance program, which gives the FHLB the option of either calling the advance after an initial lock-out period of up to five years  and quarterly thereafter until maturity, or a one-time call at the initial call date.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and 2022, respectively, the Bank had unused lines of available credit with the FHLB-NY of up to $8.4&#160;billion and $11.3&#160;billion. The Company did not have any overnight advances at December&#160;31, 2023 and $2.8&#160;billion at December&#160;31, 2022. During the year ended December&#160;31, 2023, the average balance of overnight advances amounted to $624 million, with a weighted average interest rate of 5.08 percent. During the year ended December&#160;31, 2022, the average balance of overnight advances amounted to $318 million, with a weighted average interest rate of 3.48 percent.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Total FHLB advances generated interest expense of $564&#160;million, $251&#160;million and $233&#160;million, in the years ended December&#160;31, 2023, 2022, and 2021, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Federal Reserve Bank (FRB) Term Funding Program&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023, the Company had $1.0&#160;billion in outstanding borrowings under the FRB Term Funding program. There were no such borrowings outstanding during the years ended 2022 or 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Repurchase Agreements&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company had no outstanding repurchase agreements as of December&#160;31, 2023 and 2022. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company had no short-term repurchase agreements outstanding at December&#160;31, 2023 and 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;There was no accrued interest on repurchase agreements amounted at December&#160;31, 2023. The interest expense on repurchase agreements was $14&#160;million and $18&#160;million for the years ended December&#160;31, 2022 and 2021, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Federal Funds Purchased&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;There were no federal funds purchased outstanding at December&#160;31, 2023 and December&#160;31, 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In 2023 and 2022, respectively, the average balances of federal funds purchased were $196 million and $466 million, with weighted average interest rates of 5.01 percent and 1.65 percent. The interest expense produced by federal funds purchased was $10 million, $8 million and $0&#160;million for the years ended December&#160;31, 2023, 2022 and 2021, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Junior Subordinated Debentures&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and December&#160;31, 2022, the Company had $609&#160;million and $608&#160;million, respectively, of outstanding junior subordinated deferrable interest debentures (&#x201c;junior subordinated debentures&#x201d;) held by statutory business trusts (the &#x201c;Trusts&#x201d;) that issued guaranteed capital securities, excluding purchase accounting adjustments.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents contractual terms of the junior subordinated debentures outstanding at December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.073%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.013%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.723%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.153%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Issuer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Rate of Capital Securities and Debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Junior Subordinated Debentures Amount Outstanding &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital Securities Amount Outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Date of Original Issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Stated Maturity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;New York Community Capital Trust V (BONUSES Units) (1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nov. 4, 2002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nov. 1, 2051&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;New York Community Capital Trust X (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec. 14, 2006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec. 15, 2036&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;PennFed Capital Trust III (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 2, 2003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 15, 2033&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;New York Community Capital Trust XI (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;April 16, 2007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 30, 2037&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust II (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.87&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec. 26, 2002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec. 26, 2032&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust III (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Feb. 19, 2003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;April 7, 2033&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust IV (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.84&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mar. 19, 2003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mar 19, 2033&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust V (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec 29, 2004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Jan. 7, 2035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust VI (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mar. 30, 2005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;April 7, 2035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust VII (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mar. 29, 2005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 15, 2035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust VIII (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Sept. 22, 2005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Oct. 7, 2035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust IX (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 28, 2007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Sept. 15, 2037&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust X (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Aug. 31, 2007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Sept 15, 2037&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total junior subordinated debentures&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Callable subject to certain conditions as described in the prospectus filed with the SEC on November 4, 2002. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Callable at any time. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Excludes Flagstar Acquisition fair value adjustments of $30&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:36pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Bifurcated Option Note Unit SecuritiES&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:6.5pt;font-weight:400;line-height:120%;position:relative;top:-3.5pt;vertical-align:baseline"&gt;SM&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; (&#x201c;BONUSES units&#x201d;) included in the preceding table were issued by the Company on November 4, 2002 at a public offering price of $50.00 per share. Each of the 5,500,000 BONUSES units offered consisted of a capital security issued by New York Community Capital Trust V, a trust formed by the Company, and a warrant to purchase 2.4953 shares of the common stock of the Company (for a total of approximately 14&#160;million common shares) at an effective exercise price of $20.04 per share. Each capital security has a maturity of 49 years, with a coupon, or distribution rate, of 6.00 percent on the $50.00 per share liquidation amount. The warrants and capital securities were non-callable for five years from the date of issuance and were not called by the Company when the five-year period passed on November 4, 2007.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The gross proceeds of the BONUSES units totaled $275&#160;million and were allocated between the capital security and the warrant comprising such units in proportion to their relative values at the time of issuance. The value assigned to the warrants, $92.4&#160;million, was recorded as a component of additional &#x201c;paid-in capital&#x201d; in the Company&#x2019;s Consolidated Statements of Condition. The value assigned to the capital security component was $182.6&#160;million. The $92.4&#160;million difference between the assigned value and the stated liquidation amount of the capital securities was treated as an original issue discount, and is being amortized to interest expense over the 49-year life of the capital securities on a level-yield basis. At &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, this discount totaled $64&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The other remaining trust preferred securities noted in the preceding table were formed for the purpose of issuing Company Obligated Mandatorily Redeemable Capital Securities of Subsidiary Trusts Holding Solely Junior Subordinated Debentures (collectively, the &#x201c;Capital Securities&#x201d;). Dividends on the Capital Securities are payable either quarterly or semi-annually and are deferrable, at the Company&#x2019;s option, for up to five years. As of &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, all dividends were current.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Interest expense on junior subordinated debentures was $48&#160;million, $22&#160;million, and $18&#160;million, respectively, for the years ended &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, 2022, and 2021. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Subordinated Notes&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and December&#160;31, 2022, the Company had a total of $438&#160;million and $432&#160;million subordinated notes outstanding; respectively, of fixed-to-floating rate subordinated notes outstanding:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.209%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Date of Original Issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Stated Maturity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Original Issue Amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;November 6, 2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;November 6, 2028 (1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.900%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;300&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;October 28, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;November 1, 2030 (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.125%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;From and including the date of original issuance to, but excluding November 6, 2023, the Notes will bear interest at an initial rate of 5.90 percent per annum payable semi-annually. Unless redeemed, from and including November 6, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023 to but excluding the maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then-current three-month SOFR rate plus 304.16 b&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;asis points payable quarterly. &lt;/span&gt;&lt;/div&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;From and including the date of original issuance, the Notes will bear interest at a fixed rate of 4.13 percent through October 31, 2025, and a variable rate tied to SOFR thereafter until maturity. The Company has the option to redeem all or a part of the Notes beginning on November 1, 2025, and on any subsequent interest payment date.</us-gaap:DebtDisclosureTextBlock>
    <us-gaap:ScheduleOfDebtTableTextBlock contextRef="c-1" id="f-1876">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s borrowed funds: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:72.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.816%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.494%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.818%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Wholesale borrowings:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;FHLB advances&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:10pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;FRB term funding&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total wholesale borrowings&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Junior subordinated debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;575&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 10.37pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Subordinated notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;432&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total borrowed funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDebtTableTextBlock>
    <us-gaap:LongTermDebt contextRef="c-381" decimals="-6" id="f-1877" unitRef="usd">19250000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-382" decimals="-6" id="f-1878" unitRef="usd">20325000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-383" decimals="-6" id="f-1879" unitRef="usd">1000000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-384" decimals="-6" id="f-1880" unitRef="usd">0</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-385" decimals="-6" id="f-1881" unitRef="usd">20250000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-386" decimals="-6" id="f-1882" unitRef="usd">20325000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-387" decimals="-6" id="f-1883" unitRef="usd">579000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-388" decimals="-6" id="f-1884" unitRef="usd">575000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-389" decimals="-6" id="f-1885" unitRef="usd">438000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-390" decimals="-6" id="f-1886" unitRef="usd">432000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-7" decimals="-6" id="f-1887" unitRef="usd">21267000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-8" decimals="-6" id="f-1888" unitRef="usd">21332000000</us-gaap:LongTermDebt>
    <us-gaap:InterestPayableCurrentAndNoncurrent contextRef="c-7" decimals="-6" id="f-1889" unitRef="usd">50000000</us-gaap:InterestPayableCurrentAndNoncurrent>
    <us-gaap:InterestPayableCurrentAndNoncurrent contextRef="c-8" decimals="-6" id="f-1890" unitRef="usd">37000000</us-gaap:InterestPayableCurrentAndNoncurrent>
    <us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock contextRef="c-1" id="f-1891">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The contractual maturities and the next call dates of FHLB advances outstanding at December&#160;31, 2023 were as follows:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.150%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.983%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.844%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.320%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Contractual Maturity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Earlier of Contractual Maturity or Next Call Date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions) Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate (1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Interest Rate (1)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,350&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,400&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2032&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total FHLB advances&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19,250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Does not included the effect interest rate swap agreements.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTextBlock>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate contextRef="c-7" decimals="-6" id="f-1892" unitRef="usd">7350000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate contextRef="c-7" decimals="4" id="f-1893" unitRef="number">0.0457</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths contextRef="c-7" decimals="-6" id="f-1894" unitRef="usd">9100000000</us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextCallDateInNextRollingTwelveMonths>
    <us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths contextRef="c-7" decimals="4" id="f-1895" unitRef="number">0.0437</us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInNextTwelveRollingMonths>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate contextRef="c-7" decimals="-6" id="f-1896" unitRef="usd">1500000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate contextRef="c-7" decimals="4" id="f-1897" unitRef="number">0.0538</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOneToTwoYearsFromBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo contextRef="c-7" decimals="-6" id="f-1898" unitRef="usd">1750000000</us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearTwo>
    <us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo contextRef="c-7" decimals="4" id="f-1899" unitRef="number">0.0511</us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearTwo>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate contextRef="c-7" decimals="-6" id="f-1900" unitRef="usd">2500000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate contextRef="c-7" decimals="4" id="f-1901" unitRef="number">0.0537</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree contextRef="c-7" decimals="-6" id="f-1902" unitRef="usd">2500000000</us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearThree>
    <us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree contextRef="c-7" decimals="4" id="f-1903" unitRef="number">0.0537</us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearThree>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate contextRef="c-7" decimals="-6" id="f-1904" unitRef="usd">4000000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate contextRef="c-7" decimals="4" id="f-1905" unitRef="number">0.0462</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateThreeToFourYearsFromBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour contextRef="c-7" decimals="-6" id="f-1906" unitRef="usd">3500000000</us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFour>
    <us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour contextRef="c-7" decimals="4" id="f-1907" unitRef="number">0.0475</us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFour>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate contextRef="c-7" decimals="-6" id="f-1908" unitRef="usd">2400000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate contextRef="c-7" decimals="4" id="f-1909" unitRef="number">0.0517</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateFourToFiveYearsFromBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive contextRef="c-7" decimals="-6" id="f-1910" unitRef="usd">2400000000</us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateInRollingYearFive>
    <us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive contextRef="c-7" decimals="4" id="f-1911" unitRef="number">0.0517</us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingInRollingYearFive>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate contextRef="c-7" decimals="-6" id="f-1912" unitRef="usd">1500000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate contextRef="c-7" decimals="4" id="f-1913" unitRef="number">0.0343</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate>
    <us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive contextRef="c-7" decimals="-6" id="f-1914" unitRef="usd">0</us-gaap:FederalHomeLoanBankAdvancesEarlierOfContractualMaturityOrNextPutOrConvertDateAfterRollingYearFive>
    <us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive contextRef="c-7" decimals="4" id="f-1915" unitRef="number">0</us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRateMaturingAfterRollingYearFive>
    <us-gaap:AdvancesFromFederalHomeLoanBanks contextRef="c-7" decimals="-6" id="f-1916" unitRef="usd">19250000000</us-gaap:AdvancesFromFederalHomeLoanBanks>
    <us-gaap:FederalHomeLoanBankAdvancesParValue contextRef="c-7" decimals="-6" id="f-1917" unitRef="usd">19250000000</us-gaap:FederalHomeLoanBankAdvancesParValue>
    <us-gaap:FederalHomeLoanBankAdvancesMaturityPeriodFixedRate contextRef="c-7" id="f-1918">P5Y</us-gaap:FederalHomeLoanBankAdvancesMaturityPeriodFixedRate>
    <us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity contextRef="c-385" decimals="-7" id="f-1919" unitRef="usd">8400000000</us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity>
    <us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity contextRef="c-386" decimals="-7" id="f-1920" unitRef="usd">11300000000</us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity>
    <us-gaap:FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd contextRef="c-381" decimals="INF" id="f-1921" unitRef="usd">0</us-gaap:FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd>
    <us-gaap:FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd contextRef="c-382" decimals="-7" id="f-1922" unitRef="usd">2800000000</us-gaap:FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd>
    <us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding contextRef="c-1" decimals="-6" id="f-1923" unitRef="usd">624000000</us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding>
    <us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear contextRef="c-1" decimals="4" id="f-1924" unitRef="number">5.08</us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear>
    <us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding contextRef="c-9" decimals="-6" id="f-1925" unitRef="usd">318000000</us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding>
    <us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear contextRef="c-9" decimals="3" id="f-1926" unitRef="number">3.48</us-gaap:FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear>
    <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm contextRef="c-1" decimals="-6" id="f-1927" unitRef="usd">564000000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm>
    <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm contextRef="c-9" decimals="-6" id="f-1928" unitRef="usd">251000000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm>
    <us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm contextRef="c-10" decimals="-6" id="f-1929" unitRef="usd">233000000</us-gaap:InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm>
    <us-gaap:LongTermDebt contextRef="c-383" decimals="-7" id="f-1930" unitRef="usd">1000000000</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-391" decimals="INF" id="f-1931" unitRef="usd">0</us-gaap:LongTermDebt>
    <us-gaap:LongTermDebt contextRef="c-384" decimals="INF" id="f-1932" unitRef="usd">0</us-gaap:LongTermDebt>
    <us-gaap:RepurchaseAgreementsInterestExpenseAmount contextRef="c-1" decimals="INF" id="f-1933" unitRef="usd">0</us-gaap:RepurchaseAgreementsInterestExpenseAmount>
    <us-gaap:RepurchaseAgreementsInterestExpenseAmount contextRef="c-9" decimals="-6" id="f-1934" unitRef="usd">14000000</us-gaap:RepurchaseAgreementsInterestExpenseAmount>
    <us-gaap:RepurchaseAgreementsInterestExpenseAmount contextRef="c-10" decimals="-6" id="f-1935" unitRef="usd">18000000</us-gaap:RepurchaseAgreementsInterestExpenseAmount>
    <us-gaap:FederalFundsPurchasedAverageAmountOutstanding contextRef="c-1" decimals="-6" id="f-1936" unitRef="usd">196000000</us-gaap:FederalFundsPurchasedAverageAmountOutstanding>
    <us-gaap:FederalFundsPurchasedAverageAmountOutstanding contextRef="c-9" decimals="-6" id="f-1937" unitRef="usd">466000000</us-gaap:FederalFundsPurchasedAverageAmountOutstanding>
    <srt:FederalFundsPurchasedAverageRatePaid contextRef="c-1" decimals="3" id="f-1938" unitRef="number">5.01</srt:FederalFundsPurchasedAverageRatePaid>
    <srt:FederalFundsPurchasedAverageRatePaid contextRef="c-9" decimals="3" id="f-1939" unitRef="number">1.65</srt:FederalFundsPurchasedAverageRatePaid>
    <us-gaap:InterestExpenseFederalFundsPurchased contextRef="c-1" decimals="-6" id="f-1940" unitRef="usd">10000000</us-gaap:InterestExpenseFederalFundsPurchased>
    <us-gaap:InterestExpenseFederalFundsPurchased contextRef="c-9" decimals="-6" id="f-1941" unitRef="usd">8000000</us-gaap:InterestExpenseFederalFundsPurchased>
    <us-gaap:InterestExpenseFederalFundsPurchased contextRef="c-10" decimals="-6" id="f-1942" unitRef="usd">0</us-gaap:InterestExpenseFederalFundsPurchased>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-380" decimals="-6" id="f-1943" unitRef="usd">609000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-392" decimals="-6" id="f-1944" unitRef="usd">608000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:ScheduleOfSubordinatedBorrowingTextBlock contextRef="c-1" id="f-1945">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents contractual terms of the junior subordinated debentures outstanding at December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:38.073%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.013%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.723%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.153%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.862%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.369%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.300%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Issuer&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Rate of Capital Securities and Debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Junior Subordinated Debentures Amount Outstanding &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital Securities Amount Outstanding&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Date of Original Issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Stated Maturity&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;New York Community Capital Trust V (BONUSES Units) (1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;141&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nov. 4, 2002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nov. 1, 2051&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;New York Community Capital Trust X (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.25&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;124&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec. 14, 2006&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec. 15, 2036&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;PennFed Capital Trust III (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 2, 2003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 15, 2033&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;New York Community Capital Trust XI (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.24&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;April 16, 2007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 30, 2037&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust II (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.87&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec. 26, 2002&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec. 26, 2032&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust III (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.91&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Feb. 19, 2003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;April 7, 2033&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust IV (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.84&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mar. 19, 2003&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mar 19, 2033&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust V (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dec 29, 2004&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Jan. 7, 2035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust VI (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.66&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mar. 30, 2005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;April 7, 2035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust VII (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.40&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;51&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mar. 29, 2005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 15, 2035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust VIII (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.16&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Sept. 22, 2005&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Oct. 7, 2035&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust IX (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;June 28, 2007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Sept. 15, 2037&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Flagstar Statutory Trust X (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.15&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Aug. 31, 2007&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Sept 15, 2037&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total junior subordinated debentures&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;589&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Callable subject to certain conditions as described in the prospectus filed with the SEC on November 4, 2002. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Callable at any time. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Excludes Flagstar Acquisition fair value adjustments of $30&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and December&#160;31, 2022, the Company had a total of $438&#160;million and $432&#160;million subordinated notes outstanding; respectively, of fixed-to-floating rate subordinated notes outstanding:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.538%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.209%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Date of Original Issue&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Stated Maturity&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest Rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Original Issue Amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;November 6, 2018&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;November 6, 2028 (1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.900%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;300&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;October 28, 2020&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;November 1, 2030 (2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.125%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 13pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;150&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;From and including the date of original issuance to, but excluding November 6, 2023, the Notes will bear interest at an initial rate of 5.90 percent per annum payable semi-annually. Unless redeemed, from and including November 6, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;2023 to but excluding the maturity date, the interest rate will reset quarterly to an annual interest rate equal to the then-current three-month SOFR rate plus 304.16 b&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;asis points payable quarterly. &lt;/span&gt;&lt;/div&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;From and including the date of original issuance, the Notes will bear interest at a fixed rate of 4.13 percent through October 31, 2025, and a variable rate tied to SOFR thereafter until maturity. The Company has the option to redeem all or a part of the Notes beginning on November 1, 2025, and on any subsequent interest payment date.</us-gaap:ScheduleOfSubordinatedBorrowingTextBlock>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-393"
      decimals="2"
      id="f-1946"
      unitRef="number">6.00</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-393" decimals="-6" id="f-1947" unitRef="usd">147000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-393" decimals="-6" id="f-1948" unitRef="usd">141000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-394"
      decimals="2"
      id="f-1949"
      unitRef="number">7.25</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-394" decimals="-6" id="f-1950" unitRef="usd">124000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-394" decimals="-6" id="f-1951" unitRef="usd">120000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-395"
      decimals="2"
      id="f-1952"
      unitRef="number">8.90</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-395" decimals="-6" id="f-1953" unitRef="usd">31000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-395" decimals="-6" id="f-1954" unitRef="usd">30000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-396"
      decimals="2"
      id="f-1955"
      unitRef="number">7.24</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-396" decimals="-6" id="f-1956" unitRef="usd">59000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-396" decimals="-6" id="f-1957" unitRef="usd">58000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-397"
      decimals="2"
      id="f-1958"
      unitRef="number">8.87</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-397" decimals="-6" id="f-1959" unitRef="usd">26000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-397" decimals="-6" id="f-1960" unitRef="usd">25000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-398"
      decimals="2"
      id="f-1961"
      unitRef="number">8.91</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-398" decimals="-6" id="f-1962" unitRef="usd">26000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-398" decimals="-6" id="f-1963" unitRef="usd">25000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-399"
      decimals="2"
      id="f-1964"
      unitRef="number">8.84</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-399" decimals="-6" id="f-1965" unitRef="usd">26000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-399" decimals="-6" id="f-1966" unitRef="usd">25000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-400"
      decimals="2"
      id="f-1967"
      unitRef="number">7.66</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-400" decimals="-6" id="f-1968" unitRef="usd">26000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-400" decimals="-6" id="f-1969" unitRef="usd">25000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-401"
      decimals="2"
      id="f-1970"
      unitRef="number">7.66</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-401" decimals="-6" id="f-1971" unitRef="usd">26000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-401" decimals="-6" id="f-1972" unitRef="usd">25000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-402"
      decimals="2"
      id="f-1973"
      unitRef="number">7.40</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-402" decimals="-6" id="f-1974" unitRef="usd">51000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-402" decimals="-6" id="f-1975" unitRef="usd">50000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-403"
      decimals="2"
      id="f-1976"
      unitRef="number">7.16</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-403" decimals="-6" id="f-1977" unitRef="usd">26000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-403" decimals="-6" id="f-1978" unitRef="usd">25000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-404"
      decimals="2"
      id="f-1979"
      unitRef="number">7.10</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-404" decimals="-6" id="f-1980" unitRef="usd">26000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-404" decimals="-6" id="f-1981" unitRef="usd">25000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-405"
      decimals="2"
      id="f-1982"
      unitRef="number">8.15</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-405" decimals="-6" id="f-1983" unitRef="usd">15000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-405" decimals="-6" id="f-1984" unitRef="usd">15000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-380" decimals="-6" id="f-1985" unitRef="usd">609000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount contextRef="c-7" decimals="-6" id="f-1986" unitRef="usd">589000000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsAmount>
    <us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred contextRef="c-52" decimals="-6" id="f-1987" unitRef="usd">-30000000</us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred>
    <us-gaap:ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1
      contextRef="c-406"
      decimals="2"
      id="f-1988"
      unitRef="usdPerShare">50.00</us-gaap:ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1>
    <us-gaap:ClassOfWarrantOrRightOutstanding
      contextRef="c-406"
      decimals="0"
      id="f-1989"
      unitRef="shares">5500000</us-gaap:ClassOfWarrantOrRightOutstanding>
    <us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight
      contextRef="c-407"
      decimals="4"
      id="f-1990"
      unitRef="shares">2.4953</us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight>
    <us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights
      contextRef="c-407"
      decimals="0"
      id="f-1991"
      unitRef="shares">14000000</us-gaap:ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights>
    <us-gaap:ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1
      contextRef="c-407"
      decimals="2"
      id="f-1992"
      unitRef="usdPerShare">20.04</us-gaap:ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1>
    <us-gaap:WarrantsAndRightsOutstandingTerm contextRef="c-407" id="f-1993">P49Y</us-gaap:WarrantsAndRightsOutstandingTerm>
    <fbc:WarrantOrRightCouponRate
      contextRef="c-407"
      decimals="3"
      id="f-1994"
      unitRef="number">6</fbc:WarrantOrRightCouponRate>
    <us-gaap:FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare
      contextRef="c-407"
      decimals="2"
      id="f-1995"
      unitRef="usdPerShare">50.00</us-gaap:FinancialInstrumentSubjectToMandatoryRedemptionParValuePerShare>
    <fbc:WarrantsAndRightsOutstandingNoncallableTerm contextRef="c-408" id="f-1996">P5Y</fbc:WarrantsAndRightsOutstandingNoncallableTerm>
    <fbc:WarrantsAndRightsOutstandingNoncallableTerm contextRef="c-409" id="f-1997">P5Y</fbc:WarrantsAndRightsOutstandingNoncallableTerm>
    <us-gaap:WarrantsAndRightsOutstanding contextRef="c-410" decimals="-6" id="f-1998" unitRef="usd">275000000</us-gaap:WarrantsAndRightsOutstanding>
    <us-gaap:AdjustmentsToAdditionalPaidInCapitalWarrantIssued contextRef="c-19" decimals="-5" id="f-1999" unitRef="usd">92400000</us-gaap:AdjustmentsToAdditionalPaidInCapitalWarrantIssued>
    <us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares contextRef="c-7" decimals="-5" id="f-2000" unitRef="usd">182600000</us-gaap:SharesSubjectToMandatoryRedemptionSettlementTermsFairValueOfShares>
    <us-gaap:DebtInstrumentUnamortizedDiscount contextRef="c-393" decimals="-5" id="f-2001" unitRef="usd">92400000</us-gaap:DebtInstrumentUnamortizedDiscount>
    <fbc:FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm contextRef="c-1" id="f-2002">P49Y</fbc:FinancialInstrumentsSubjectToMandatoryRedemptionBySettlementTermsTerm>
    <us-gaap:DebtInstrumentUnamortizedDiscount contextRef="c-7" decimals="-6" id="f-2003" unitRef="usd">64000000</us-gaap:DebtInstrumentUnamortizedDiscount>
    <fbc:JuniorSubordinatedDebenturesDividendsTerm contextRef="c-1" id="f-2004">P5Y</fbc:JuniorSubordinatedDebenturesDividendsTerm>
    <us-gaap:InterestExpenseJuniorSubordinatedDebentures contextRef="c-1" decimals="-6" id="f-2005" unitRef="usd">48000000</us-gaap:InterestExpenseJuniorSubordinatedDebentures>
    <us-gaap:InterestExpenseJuniorSubordinatedDebentures contextRef="c-9" decimals="-6" id="f-2006" unitRef="usd">22000000</us-gaap:InterestExpenseJuniorSubordinatedDebentures>
    <us-gaap:InterestExpenseJuniorSubordinatedDebentures contextRef="c-10" decimals="-6" id="f-2007" unitRef="usd">18000000</us-gaap:InterestExpenseJuniorSubordinatedDebentures>
    <us-gaap:SubordinatedDebt contextRef="c-7" decimals="-6" id="f-2008" unitRef="usd">438000000</us-gaap:SubordinatedDebt>
    <us-gaap:SubordinatedDebt contextRef="c-8" decimals="-6" id="f-2009" unitRef="usd">432000000</us-gaap:SubordinatedDebt>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-411"
      decimals="5"
      id="f-2010"
      unitRef="number">0.05900</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-411" decimals="-6" id="f-2011" unitRef="usd">300000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-412"
      decimals="5"
      id="f-2012"
      unitRef="number">0.04125</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:DebtInstrumentFaceAmount contextRef="c-413" decimals="-6" id="f-2013" unitRef="usd">150000000</us-gaap:DebtInstrumentFaceAmount>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-411"
      decimals="5"
      id="f-2014"
      unitRef="number">0.059</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:DebtInstrumentBasisSpreadOnVariableRate1
      contextRef="c-414"
      decimals="INF"
      id="f-2015"
      unitRef="number">0.030416</us-gaap:DebtInstrumentBasisSpreadOnVariableRate1>
    <us-gaap:DebtInstrumentInterestRateStatedPercentage
      contextRef="c-412"
      decimals="4"
      id="f-2016"
      unitRef="number">0.0413</us-gaap:DebtInstrumentInterestRateStatedPercentage>
    <us-gaap:IncomeTaxDisclosureTextBlock contextRef="c-1" id="f-2017">Federal, State, and Local Taxes&lt;div&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#160;&#160;&#160;&#160;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the components of the Company&#x2019;s net deferred tax asset (liability) at December&#160;31, 2023 and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.179%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.979%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.981%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deferred Tax Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses on loans and leases&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition accounting and fair value adjustments on securities (including OTTI)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition accounting and fair value adjustments on loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capitalized loan costs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Right of Use Liability&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Compensation and related benefit obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capitalized research and development costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accrued Expenses&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net operating loss carryforwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Valuation allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net deferred tax asset after valuation allowance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deferred Tax Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Leases&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(492)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(328)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(105)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Premises and equipment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Prepaid pension cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value adjustments on loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(210)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortizable intangibles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition accounting and fair value adjustments on deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Right of Use Asset&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deferred Loan fees&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition accounting and fair value adjustments on debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(579)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net deferred tax liability&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(517)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The deferred tax liability represents the anticipated federal, state, and local tax expenses or benefits that are expected to be realized in future years upon the utilization of the underlying tax attributes comprising said balances. The net deferred tax liability is included in &#x201c;Other liabilities&#x201d; in the Consolidated Statements of Condition at &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company evaluates the need for a deferred tax asset valuation allowances based on a more likely than not standard. The Company&#x2019;s evaluation is based on its history of reporting positive taxable income in all relevant tax jurisdictions, the length of time available to utilize the net operating loss carryforwards, and the recognition of taxable income in future periods from taxable temporary differences.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023 and December&#160;31, 2022,&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; the Company had a state deferred tax asset for net operating losses (&#x201c;NOL&#x201d;) of $8&#160;million and $15&#160;million, &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;respectively&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; (net of federal tax impact) which includes total state net operating loss carryforwards o&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;f $185&#160;million at December&#160;31, 2023, that e&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;xpire if unused in calendar years through 2033. In connection with our ongoing assessment of deferred taxes, we analyzed each state net operating loss separately, determined the amount of net operating loss available and estimated the amount which we expected to expire unused. Based on that assessment, we recorded a valuation allowance of $5&#160;million at &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and 2022 to reduce the DTA to the amount which is more likely than not to be realized. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s income tax expense for the years ended December&#160;31, 2023&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2021: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:65.844%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.327%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.327%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.902%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Federal &#x2013; current&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;State and local &#x2013; current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Federal &#x2013; deferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(137)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;State and local &#x2013; deferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total deferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(186)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax expense reported in net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax expense reported in stockholders&#x2019; equity related to:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Securities available-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(223)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pension liability adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash flow hedge&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total income taxes&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents a reconciliation of statutory federal income tax expense (benefit) to combined actual income tax expense (benefit) reported in net income for the years ended &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Statutory federal income tax at 21%&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;State and local income taxes, net of federal income tax effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Tax Exempt income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-taxable bargain gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(447)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-deductible goodwill impairment&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-deductible FDIC deposit insurance premiums&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Effect of tax deductibility of deferred compensation&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-taxable income and expense of BOLI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-deductible merger expenses&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-deductible compensation expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Federal tax credits&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Adjustments relating to prior tax years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total income tax expense&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company invests in affordable housing projects through limited partnerships that generate federal Low Income Housing Tax Credits. The balances of these investments, which are included in &#x201c;Other assets&#x201d; in the Consolidated Statements of Condition, were &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;$372&#160;million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and $304&#160;million, respectively, at &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and 2022, and included commitments of $210&#160;million and $183&#160;million that are expected to be funded over the next 5 years. The Company elected to apply the proportional amortization method to these investments. Recognized in the determination of income tax (benefit) expense from operations for the years ended &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, 2022, and 2021 were &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;$34&#160;million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, $11&#160;million, and $9&#160;million, respectively, &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;of affordable housing tax credits and other tax benefits, and an offsetting $30&#160;million, $10&#160;million, and $9&#160;million, respectively, for the amortization of the related investments. No impairment losses were recognized in relation to these investments for the years ended &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, 2022, and 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; GAAP prescribes a recognition threshold and measurement attribute for use in connection with the obligation of a company to recognize, measure, present, and disclose in its financial statements uncertain tax positions that the Company has taken or expects to take on a tax return. As of &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and 2022, the Company had &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;$42&#160;million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and $40&#160;million of unrecognized gross tax benefits, respectively. Gross tax benefits do not reflect the federal tax effect associated with state tax amounts. The total amount of net unrecognized tax benefits at &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and 2022 that would have affected the effective tax rate, if recognized, was &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;$34&#160;million a&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;nd $32&#160;million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Interest and penalties (if any) related to the underpayment of income taxes are classified as a component of income tax expense in the Consolidated Statements of Income and Comprehensive Income. During the years ended &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, 2022, and 2021, the Company recognized income tax expense attributed to interest and penalties of &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;$8&#160;million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, $4&#160;million, and $4&#160;million, respectively. Accrued interest and penalties on tax liabilities were $34&#160;million and $26&#160;million, respectively, at &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and 2022. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes changes in the liability for unrecognized gross tax benefits for the years ended December&#160;31, 2023, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:65.288%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.733%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.733%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Uncertain tax positions at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Additions for tax positions relating to current-year operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Additions for tax positions relating to prior tax years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Subtractions for tax positions relating to prior tax years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Uncertain tax positions at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company and its subsidiaries have filed tax returns in many states. The following are the more significant tax filings that are open for examination: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Federal tax filings for tax years 2019 through the present;  &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;New York State tax filings for tax years 2010 through the present; &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;New York City tax filings for tax years 2011 through the present; and &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;New Jersey tax filings for tax years 2018 through the present. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In addition to other state audits, the Company is currently under examination by the following taxing jurisdictions of significance to the Company: &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Federal 2019-2020&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;New York State for the tax years 2010 through 2016; and&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;New York City for the tax years 2011 and 2014. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;It is reasonably possible that there will be developments within the next twelve months that would necessitate an adjustment to the balance of unrecognized tax benefits, including decreases of up to &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;$21&#160;million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; due to completion of tax authorities&#x2019; exams and the expiration of statutes of limitations.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Bank is subject to a special federal tax provision regarding its frozen tax bad debt reserve. At &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, the Bank&#x2019;s federal tax bad debt base-year reserve was &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;$62&#160;million&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, with a related federal deferred tax liability of&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; $13&#160;million&lt;/span&gt;, which has not been recognized since the Bank does not expect that this reserve will become taxable in the foreseeable future. Events that would result in taxation of this reserve include redemptions of the Bank&#x2019;s stock or certain excess distributions by the Bank to the Company.</us-gaap:IncomeTaxDisclosureTextBlock>
    <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock contextRef="c-1" id="f-2018">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the components of the Company&#x2019;s net deferred tax asset (liability) at December&#160;31, 2023 and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.179%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.979%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.981%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deferred Tax Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Allowance for credit losses on loans and leases&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition accounting and fair value adjustments on securities (including OTTI)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;188&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;227&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition accounting and fair value adjustments on loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capitalized loan costs&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Right of Use Liability&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Compensation and related benefit obligations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capitalized research and development costs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accrued Expenses&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;19&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net operating loss carryforwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross deferred tax assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;552&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;477&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Valuation allowance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net deferred tax asset after valuation allowance&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;547&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;472&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deferred Tax Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Leases&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(492)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(328)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(105)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Premises and equipment&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Prepaid pension cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(29)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value adjustments on loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(210)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortizable intangibles&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(127)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(71)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition accounting and fair value adjustments on deposits&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Right of Use Asset&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deferred Loan fees&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition accounting and fair value adjustments on debt&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(21)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross deferred tax liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1,064)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(579)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net deferred tax liability&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(517)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(107)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="c-7" decimals="-6" id="f-2019" unitRef="usd">253000000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="c-8" decimals="-6" id="f-2020" unitRef="usd">102000000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
    <fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities contextRef="c-7" decimals="-6" id="f-2021" unitRef="usd">188000000</fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities>
    <fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities contextRef="c-8" decimals="-6" id="f-2022" unitRef="usd">227000000</fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnSecurities>
    <fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans contextRef="c-7" decimals="-6" id="f-2023" unitRef="usd">0</fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans>
    <fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans contextRef="c-8" decimals="-6" id="f-2024" unitRef="usd">36000000</fbc:DeferredTaxAssetsAcquisitionAccountingAndFairValueAdjustmentsOnLoans>
    <fbc:DeferredTaxAssetsCapitalizedLoanCosts contextRef="c-7" id="f-2025" unitRef="usd" xsi:nil="true"/>
    <fbc:DeferredTaxAssetsCapitalizedLoanCosts contextRef="c-8" decimals="-6" id="f-2026" unitRef="usd">46000000</fbc:DeferredTaxAssetsCapitalizedLoanCosts>
    <fbc:DeferredTaxAssetsRightOfUseLiability contextRef="c-7" decimals="-6" id="f-2027" unitRef="usd">32000000</fbc:DeferredTaxAssetsRightOfUseLiability>
    <fbc:DeferredTaxAssetsRightOfUseLiability contextRef="c-8" decimals="-6" id="f-2028" unitRef="usd">0</fbc:DeferredTaxAssetsRightOfUseLiability>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits contextRef="c-7" decimals="-6" id="f-2029" unitRef="usd">30000000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits>
    <us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits contextRef="c-8" decimals="-6" id="f-2030" unitRef="usd">23000000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits>
    <fbc:DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts contextRef="c-7" decimals="-6" id="f-2031" unitRef="usd">0</fbc:DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts>
    <fbc:DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts contextRef="c-8" decimals="-6" id="f-2032" unitRef="usd">10000000</fbc:DeferredTaxAssetsDeferredExpenseCapitalizedResearchAndDevelopmentCosts>
    <fbc:DeferredTaxAssetsAccruedExpenses contextRef="c-7" decimals="-6" id="f-2033" unitRef="usd">19000000</fbc:DeferredTaxAssetsAccruedExpenses>
    <fbc:DeferredTaxAssetsAccruedExpenses contextRef="c-8" decimals="-6" id="f-2034" unitRef="usd">0</fbc:DeferredTaxAssetsAccruedExpenses>
    <us-gaap:DeferredTaxAssetsOperatingLossCarryforwards contextRef="c-7" decimals="-6" id="f-2035" unitRef="usd">8000000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
    <us-gaap:DeferredTaxAssetsOperatingLossCarryforwards contextRef="c-8" decimals="-6" id="f-2036" unitRef="usd">15000000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
    <us-gaap:DeferredTaxAssetsOther contextRef="c-7" decimals="-6" id="f-2037" unitRef="usd">22000000</us-gaap:DeferredTaxAssetsOther>
    <us-gaap:DeferredTaxAssetsOther contextRef="c-8" decimals="-6" id="f-2038" unitRef="usd">18000000</us-gaap:DeferredTaxAssetsOther>
    <us-gaap:DeferredTaxAssetsGross contextRef="c-7" decimals="-6" id="f-2039" unitRef="usd">552000000</us-gaap:DeferredTaxAssetsGross>
    <us-gaap:DeferredTaxAssetsGross contextRef="c-8" decimals="-6" id="f-2040" unitRef="usd">477000000</us-gaap:DeferredTaxAssetsGross>
    <us-gaap:DeferredTaxAssetsValuationAllowance contextRef="c-7" decimals="-6" id="f-2041" unitRef="usd">5000000</us-gaap:DeferredTaxAssetsValuationAllowance>
    <us-gaap:DeferredTaxAssetsValuationAllowance contextRef="c-8" decimals="-6" id="f-2042" unitRef="usd">5000000</us-gaap:DeferredTaxAssetsValuationAllowance>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-7" decimals="-6" id="f-2043" unitRef="usd">547000000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c-8" decimals="-6" id="f-2044" unitRef="usd">472000000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
    <us-gaap:DeferredTaxLiabilitiesLeasingArrangements contextRef="c-7" decimals="-6" id="f-2045" unitRef="usd">492000000</us-gaap:DeferredTaxLiabilitiesLeasingArrangements>
    <us-gaap:DeferredTaxLiabilitiesLeasingArrangements contextRef="c-8" decimals="-6" id="f-2046" unitRef="usd">328000000</us-gaap:DeferredTaxLiabilitiesLeasingArrangements>
    <us-gaap:DeferredTaxLiabilitiesMortgageServicingRights contextRef="c-7" decimals="-6" id="f-2047" unitRef="usd">79000000</us-gaap:DeferredTaxLiabilitiesMortgageServicingRights>
    <us-gaap:DeferredTaxLiabilitiesMortgageServicingRights contextRef="c-8" decimals="-6" id="f-2048" unitRef="usd">105000000</us-gaap:DeferredTaxLiabilitiesMortgageServicingRights>
    <us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment contextRef="c-7" decimals="-6" id="f-2049" unitRef="usd">44000000</us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment>
    <us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment contextRef="c-8" decimals="-6" id="f-2050" unitRef="usd">18000000</us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment>
    <us-gaap:DeferredTaxLiabilitiesPrepaidExpenses contextRef="c-7" decimals="-6" id="f-2051" unitRef="usd">35000000</us-gaap:DeferredTaxLiabilitiesPrepaidExpenses>
    <us-gaap:DeferredTaxLiabilitiesPrepaidExpenses contextRef="c-8" decimals="-6" id="f-2052" unitRef="usd">29000000</us-gaap:DeferredTaxLiabilitiesPrepaidExpenses>
    <fbc:DeferredTaxLiabilitiesFairValueAdjustmentOnLoans contextRef="c-7" decimals="-6" id="f-2053" unitRef="usd">210000000</fbc:DeferredTaxLiabilitiesFairValueAdjustmentOnLoans>
    <fbc:DeferredTaxLiabilitiesFairValueAdjustmentOnLoans contextRef="c-8" decimals="-6" id="f-2054" unitRef="usd">0</fbc:DeferredTaxLiabilitiesFairValueAdjustmentOnLoans>
    <us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets contextRef="c-7" decimals="-6" id="f-2055" unitRef="usd">127000000</us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets>
    <us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets contextRef="c-8" decimals="-6" id="f-2056" unitRef="usd">71000000</us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets>
    <fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits contextRef="c-7" decimals="-6" id="f-2057" unitRef="usd">2000000</fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits>
    <fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits contextRef="c-8" decimals="-6" id="f-2058" unitRef="usd">9000000</fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDeposits>
    <fbc:DeferredTaxLiabilitiesRightOfUseAsset contextRef="c-7" decimals="-6" id="f-2059" unitRef="usd">32000000</fbc:DeferredTaxLiabilitiesRightOfUseAsset>
    <fbc:DeferredTaxLiabilitiesRightOfUseAsset contextRef="c-8" decimals="-6" id="f-2060" unitRef="usd">0</fbc:DeferredTaxLiabilitiesRightOfUseAsset>
    <fbc:DeferredTaxLiabilitiesDeferredLoanFees contextRef="c-7" decimals="-6" id="f-2061" unitRef="usd">13000000</fbc:DeferredTaxLiabilitiesDeferredLoanFees>
    <fbc:DeferredTaxLiabilitiesDeferredLoanFees contextRef="c-8" decimals="-6" id="f-2062" unitRef="usd">0</fbc:DeferredTaxLiabilitiesDeferredLoanFees>
    <fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt contextRef="c-7" decimals="-6" id="f-2063" unitRef="usd">9000000</fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt>
    <fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt contextRef="c-8" decimals="-6" id="f-2064" unitRef="usd">10000000</fbc:DeferredTaxLiabilitiesAcquisitionAccountingAndFairValueAdjustmentsOnDebt>
    <us-gaap:DeferredTaxLiabilitiesOther contextRef="c-7" decimals="-6" id="f-2065" unitRef="usd">21000000</us-gaap:DeferredTaxLiabilitiesOther>
    <us-gaap:DeferredTaxLiabilitiesOther contextRef="c-8" decimals="-6" id="f-2066" unitRef="usd">9000000</us-gaap:DeferredTaxLiabilitiesOther>
    <us-gaap:DeferredIncomeTaxLiabilities contextRef="c-7" decimals="-6" id="f-2067" unitRef="usd">1064000000</us-gaap:DeferredIncomeTaxLiabilities>
    <us-gaap:DeferredIncomeTaxLiabilities contextRef="c-8" decimals="-6" id="f-2068" unitRef="usd">579000000</us-gaap:DeferredIncomeTaxLiabilities>
    <us-gaap:DeferredTaxLiabilities contextRef="c-7" decimals="-3" id="f-2069" unitRef="usd">517000000</us-gaap:DeferredTaxLiabilities>
    <us-gaap:DeferredTaxLiabilities contextRef="c-8" decimals="-3" id="f-2070" unitRef="usd">107000000</us-gaap:DeferredTaxLiabilities>
    <us-gaap:DeferredTaxAssetsOperatingLossCarryforwards contextRef="c-7" decimals="-6" id="f-2071" unitRef="usd">8000000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
    <us-gaap:DeferredTaxAssetsOperatingLossCarryforwards contextRef="c-8" decimals="-6" id="f-2072" unitRef="usd">15000000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwards>
    <us-gaap:DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal contextRef="c-8" decimals="-6" id="f-2073" unitRef="usd">185000000</us-gaap:DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal>
    <us-gaap:DeferredTaxAssetsValuationAllowance contextRef="c-7" decimals="-6" id="f-2074" unitRef="usd">5000000</us-gaap:DeferredTaxAssetsValuationAllowance>
    <us-gaap:DeferredTaxAssetsValuationAllowance contextRef="c-8" decimals="-6" id="f-2075" unitRef="usd">5000000</us-gaap:DeferredTaxAssetsValuationAllowance>
    <us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock contextRef="c-1" id="f-2076">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s income tax expense for the years ended December&#160;31, 2023&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2021: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:65.844%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.327%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.900%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.327%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.902%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Federal &#x2013; current&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;156&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;147&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;188&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;State and local &#x2013; current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total current&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;215&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;179&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;223&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Federal &#x2013; deferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(137)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(28)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;State and local &#x2013; deferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total deferred&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(186)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax expense reported in net income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax expense reported in stockholders&#x2019; equity related to:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Securities available-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(223)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(42)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Pension liability adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash flow hedge&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;23&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total income taxes&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(30)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;187&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
    <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-2077" unitRef="usd">156000000</us-gaap:CurrentFederalTaxExpenseBenefit>
    <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-2078" unitRef="usd">147000000</us-gaap:CurrentFederalTaxExpenseBenefit>
    <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-2079" unitRef="usd">188000000</us-gaap:CurrentFederalTaxExpenseBenefit>
    <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-2080" unitRef="usd">59000000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
    <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-2081" unitRef="usd">32000000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
    <us-gaap:CurrentStateAndLocalTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-2082" unitRef="usd">35000000</us-gaap:CurrentStateAndLocalTaxExpenseBenefit>
    <us-gaap:CurrentFederalStateAndLocalTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-2083" unitRef="usd">215000000</us-gaap:CurrentFederalStateAndLocalTaxExpenseBenefit>
    <us-gaap:CurrentFederalStateAndLocalTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-2084" unitRef="usd">179000000</us-gaap:CurrentFederalStateAndLocalTaxExpenseBenefit>
    <us-gaap:CurrentFederalStateAndLocalTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-2085" unitRef="usd">223000000</us-gaap:CurrentFederalStateAndLocalTaxExpenseBenefit>
    <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-2086" unitRef="usd">-137000000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-2087" unitRef="usd">-10000000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-2088" unitRef="usd">-28000000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-2089" unitRef="usd">-49000000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-2090" unitRef="usd">7000000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-2091" unitRef="usd">15000000</us-gaap:DeferredStateAndLocalIncomeTaxExpenseBenefit>
    <us-gaap:DeferredFederalStateAndLocalTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-2092" unitRef="usd">-186000000</us-gaap:DeferredFederalStateAndLocalTaxExpenseBenefit>
    <us-gaap:DeferredFederalStateAndLocalTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-2093" unitRef="usd">-3000000</us-gaap:DeferredFederalStateAndLocalTaxExpenseBenefit>
    <us-gaap:DeferredFederalStateAndLocalTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-2094" unitRef="usd">-13000000</us-gaap:DeferredFederalStateAndLocalTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-2095" unitRef="usd">29000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-2096" unitRef="usd">176000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-2097" unitRef="usd">210000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent contextRef="c-1" decimals="-6" id="f-2098" unitRef="usd">15000000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent contextRef="c-9" decimals="-6" id="f-2099" unitRef="usd">-223000000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent contextRef="c-10" decimals="-6" id="f-2100" unitRef="usd">-42000000</us-gaap:OtherComprehensiveIncomeAvailableforsaleSecuritiesTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent contextRef="c-1" decimals="-6" id="f-2101" unitRef="usd">-6000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent contextRef="c-9" decimals="-6" id="f-2102" unitRef="usd">6000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent contextRef="c-10" decimals="-6" id="f-2103" unitRef="usd">-10000000</us-gaap:OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent contextRef="c-1" decimals="-6" id="f-2104" unitRef="usd">-14000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent contextRef="c-9" decimals="-6" id="f-2105" unitRef="usd">23000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent contextRef="c-10" decimals="-6" id="f-2106" unitRef="usd">9000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationTaxParent>
    <fbc:ComprehensiveIncomeLossTaxParent contextRef="c-1" decimals="-6" id="f-2107" unitRef="usd">36000000</fbc:ComprehensiveIncomeLossTaxParent>
    <fbc:ComprehensiveIncomeLossTaxParent contextRef="c-9" decimals="-6" id="f-2108" unitRef="usd">-30000000</fbc:ComprehensiveIncomeLossTaxParent>
    <fbc:ComprehensiveIncomeLossTaxParent contextRef="c-10" decimals="-6" id="f-2109" unitRef="usd">187000000</fbc:ComprehensiveIncomeLossTaxParent>
    <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock contextRef="c-1" id="f-2110">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents a reconciliation of statutory federal income tax expense (benefit) to combined actual income tax expense (benefit) reported in net income for the years ended &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:55.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.094%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.930%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Statutory federal income tax at 21%&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;169&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;State and local income taxes, net of federal income tax effect&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Tax Exempt income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-taxable bargain gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(447)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(33)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-deductible goodwill impairment&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;509&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-deductible FDIC deposit insurance premiums&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Effect of tax deductibility of deferred compensation&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-taxable income and expense of BOLI&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(6)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-deductible merger expenses&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-deductible compensation expense&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Federal tax credits&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(31)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cff0fc;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cff0fc;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Adjustments relating to prior tax years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total income tax expense&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;176&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;210&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
    <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="c-1" decimals="-6" id="f-2111" unitRef="usd">-10000000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
    <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="c-9" decimals="-6" id="f-2112" unitRef="usd">174000000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
    <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="c-10" decimals="-6" id="f-2113" unitRef="usd">169000000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
    <us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="c-1" decimals="-6" id="f-2114" unitRef="usd">8000000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
    <us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="c-9" decimals="-6" id="f-2115" unitRef="usd">31000000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
    <us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="c-10" decimals="-6" id="f-2116" unitRef="usd">40000000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
    <us-gaap:IncomeTaxReconciliationTaxExemptIncome contextRef="c-1" decimals="-6" id="f-2117" unitRef="usd">6000000</us-gaap:IncomeTaxReconciliationTaxExemptIncome>
    <us-gaap:IncomeTaxReconciliationTaxExemptIncome contextRef="c-9" decimals="-6" id="f-2118" unitRef="usd">0</us-gaap:IncomeTaxReconciliationTaxExemptIncome>
    <us-gaap:IncomeTaxReconciliationTaxExemptIncome contextRef="c-10" decimals="-6" id="f-2119" unitRef="usd">0</us-gaap:IncomeTaxReconciliationTaxExemptIncome>
    <fbc:EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain contextRef="c-1" decimals="-6" id="f-2120" unitRef="usd">447000000</fbc:EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain>
    <fbc:EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain contextRef="c-9" decimals="-6" id="f-2121" unitRef="usd">33000000</fbc:EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain>
    <fbc:EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain contextRef="c-10" decimals="-6" id="f-2122" unitRef="usd">0</fbc:EffectiveIncomeTaxRateReconciliationNonTaxableBargainGain>
    <us-gaap:IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses contextRef="c-1" decimals="-6" id="f-2123" unitRef="usd">509000000</us-gaap:IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses>
    <us-gaap:IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses contextRef="c-9" decimals="-6" id="f-2124" unitRef="usd">0</us-gaap:IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses>
    <us-gaap:IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses contextRef="c-10" decimals="-6" id="f-2125" unitRef="usd">0</us-gaap:IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses>
    <fbc:EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums contextRef="c-1" decimals="-6" id="f-2126" unitRef="usd">-16000000</fbc:EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums>
    <fbc:EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums contextRef="c-9" decimals="-6" id="f-2127" unitRef="usd">-10000000</fbc:EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums>
    <fbc:EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums contextRef="c-10" decimals="-6" id="f-2128" unitRef="usd">-9000000</fbc:EffectiveIncomeTaxRateReconciliationNondeductibleFDICDepositInsurancePremiums>
    <us-gaap:EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount contextRef="c-1" decimals="-6" id="f-2129" unitRef="usd">-3000000</us-gaap:EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount>
    <us-gaap:EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount contextRef="c-9" decimals="-6" id="f-2130" unitRef="usd">-3000000</us-gaap:EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount>
    <us-gaap:EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount contextRef="c-10" decimals="-6" id="f-2131" unitRef="usd">-3000000</us-gaap:EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount>
    <fbc:EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance contextRef="c-1" decimals="-6" id="f-2132" unitRef="usd">-9000000</fbc:EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance>
    <fbc:EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance contextRef="c-9" decimals="-6" id="f-2133" unitRef="usd">-7000000</fbc:EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance>
    <fbc:EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance contextRef="c-10" decimals="-6" id="f-2134" unitRef="usd">-6000000</fbc:EffectiveIncomeTaxRateReconciliationNonTaxableIncomeAndExpenseOfBankOwnedLifeInsurance>
    <fbc:EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses contextRef="c-1" decimals="-6" id="f-2135" unitRef="usd">0</fbc:EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses>
    <fbc:EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses contextRef="c-9" decimals="-6" id="f-2136" unitRef="usd">-3000000</fbc:EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses>
    <fbc:EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses contextRef="c-10" decimals="-6" id="f-2137" unitRef="usd">-3000000</fbc:EffectiveIncomeTaxRateReconciliationNondeductibleMergerExpenses>
    <fbc:EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense contextRef="c-1" decimals="-6" id="f-2138" unitRef="usd">-1000000</fbc:EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense>
    <fbc:EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense contextRef="c-9" decimals="-6" id="f-2139" unitRef="usd">-4000000</fbc:EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense>
    <fbc:EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense contextRef="c-10" decimals="-6" id="f-2140" unitRef="usd">0</fbc:EffectiveIncomeTaxRateReconciliationNondeductibleCompensationExpense>
    <us-gaap:IncomeTaxReconciliationTaxCredits contextRef="c-1" decimals="-6" id="f-2141" unitRef="usd">31000000</us-gaap:IncomeTaxReconciliationTaxCredits>
    <us-gaap:IncomeTaxReconciliationTaxCredits contextRef="c-9" decimals="-6" id="f-2142" unitRef="usd">1000000</us-gaap:IncomeTaxReconciliationTaxCredits>
    <us-gaap:IncomeTaxReconciliationTaxCredits contextRef="c-10" decimals="-6" id="f-2143" unitRef="usd">0</us-gaap:IncomeTaxReconciliationTaxCredits>
    <us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes contextRef="c-1" decimals="-6" id="f-2144" unitRef="usd">2000000</us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes>
    <us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes contextRef="c-9" decimals="-6" id="f-2145" unitRef="usd">-1000000</us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes>
    <us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes contextRef="c-10" decimals="-6" id="f-2146" unitRef="usd">-1000000</us-gaap:IncomeTaxReconciliationPriorYearIncomeTaxes>
    <us-gaap:IncomeTaxReconciliationOtherAdjustments contextRef="c-1" decimals="-6" id="f-2147" unitRef="usd">-1000000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
    <us-gaap:IncomeTaxReconciliationOtherAdjustments contextRef="c-9" decimals="-6" id="f-2148" unitRef="usd">-1000000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
    <us-gaap:IncomeTaxReconciliationOtherAdjustments contextRef="c-10" decimals="-6" id="f-2149" unitRef="usd">-1000000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-1" decimals="-6" id="f-2150" unitRef="usd">29000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-9" decimals="-6" id="f-2151" unitRef="usd">176000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-10" decimals="-6" id="f-2152" unitRef="usd">210000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments contextRef="c-7" decimals="-6" id="f-2153" unitRef="usd">372000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments contextRef="c-8" decimals="-6" id="f-2154" unitRef="usd">304000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestments>
    <us-gaap:AffordableHousingProgramObligation contextRef="c-7" decimals="-6" id="f-2155" unitRef="usd">210000000</us-gaap:AffordableHousingProgramObligation>
    <us-gaap:AffordableHousingProgramObligation contextRef="c-8" decimals="-6" id="f-2156" unitRef="usd">183000000</us-gaap:AffordableHousingProgramObligation>
    <fbc:AffordableHousingProgramObligationPeriod contextRef="c-1" id="f-2157">P5Y</fbc:AffordableHousingProgramObligationPeriod>
    <us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount contextRef="c-1" decimals="-6" id="f-2158" unitRef="usd">34000000</us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount>
    <us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount contextRef="c-9" decimals="-6" id="f-2159" unitRef="usd">11000000</us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount>
    <us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount contextRef="c-10" decimals="-6" id="f-2160" unitRef="usd">9000000</us-gaap:AffordableHousingTaxCreditsAndOtherTaxBenefitsAmount>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization contextRef="c-1" decimals="-6" id="f-2161" unitRef="usd">30000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization contextRef="c-9" decimals="-6" id="f-2162" unitRef="usd">10000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization>
    <us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization contextRef="c-10" decimals="-6" id="f-2163" unitRef="usd">9000000</us-gaap:AmortizationMethodQualifiedAffordableHousingProjectInvestmentsAmortization>
    <us-gaap:AffordableHousingProjectInvestmentWriteDownAmount contextRef="c-1" decimals="INF" id="f-2164" unitRef="usd">0</us-gaap:AffordableHousingProjectInvestmentWriteDownAmount>
    <us-gaap:AffordableHousingProjectInvestmentWriteDownAmount contextRef="c-9" decimals="INF" id="f-2165" unitRef="usd">0</us-gaap:AffordableHousingProjectInvestmentWriteDownAmount>
    <us-gaap:AffordableHousingProjectInvestmentWriteDownAmount contextRef="c-10" decimals="INF" id="f-2166" unitRef="usd">0</us-gaap:AffordableHousingProjectInvestmentWriteDownAmount>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-7" decimals="-6" id="f-2167" unitRef="usd">42000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-8" decimals="-6" id="f-2168" unitRef="usd">40000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate contextRef="c-7" decimals="-6" id="f-2169" unitRef="usd">34000000</us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate>
    <us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate contextRef="c-8" decimals="-6" id="f-2170" unitRef="usd">32000000</us-gaap:UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate>
    <us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense contextRef="c-1" decimals="-6" id="f-2171" unitRef="usd">8000000</us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense>
    <us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense contextRef="c-9" decimals="-6" id="f-2172" unitRef="usd">4000000</us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense>
    <us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense contextRef="c-10" decimals="-6" id="f-2173" unitRef="usd">4000000</us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense>
    <us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued contextRef="c-7" decimals="-6" id="f-2174" unitRef="usd">34000000</us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued>
    <us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued contextRef="c-8" decimals="-6" id="f-2175" unitRef="usd">26000000</us-gaap:UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued>
    <us-gaap:SummaryOfIncomeTaxContingenciesTextBlock contextRef="c-1" id="f-2176">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes changes in the liability for unrecognized gross tax benefits for the years ended December&#160;31, 2023, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, and &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2021&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:65.288%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.733%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.733%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Uncertain tax positions at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Additions for tax positions relating to current-year operations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Additions for tax positions relating to prior tax years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Subtractions for tax positions relating to prior tax years&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Uncertain tax positions at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;40&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:SummaryOfIncomeTaxContingenciesTextBlock>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-8" decimals="-6" id="f-2177" unitRef="usd">40000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-28" decimals="-6" id="f-2178" unitRef="usd">39000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-39" decimals="-6" id="f-2179" unitRef="usd">38000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions contextRef="c-1" decimals="-6" id="f-2180" unitRef="usd">1000000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions contextRef="c-9" decimals="-6" id="f-2181" unitRef="usd">1000000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions contextRef="c-10" decimals="-6" id="f-2182" unitRef="usd">2000000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions contextRef="c-1" decimals="-6" id="f-2183" unitRef="usd">2000000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions contextRef="c-9" decimals="-6" id="f-2184" unitRef="usd">0</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions contextRef="c-10" decimals="-6" id="f-2185" unitRef="usd">1000000</us-gaap:UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions contextRef="c-1" decimals="-6" id="f-2186" unitRef="usd">1000000</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions contextRef="c-9" decimals="-6" id="f-2187" unitRef="usd">0</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions contextRef="c-10" decimals="-6" id="f-2188" unitRef="usd">2000000</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-7" decimals="-6" id="f-2189" unitRef="usd">42000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-8" decimals="-6" id="f-2190" unitRef="usd">40000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefits contextRef="c-28" decimals="-6" id="f-2191" unitRef="usd">39000000</us-gaap:UnrecognizedTaxBenefits>
    <us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities contextRef="c-1" decimals="-6" id="f-2192" unitRef="usd">21000000</us-gaap:UnrecognizedTaxBenefitsDecreasesResultingFromSettlementsWithTaxingAuthorities>
    <us-gaap:BadDebtReserveForTaxPurposesOfQualifiedLender contextRef="c-7" decimals="-6" id="f-2193" unitRef="usd">62000000</us-gaap:BadDebtReserveForTaxPurposesOfQualifiedLender>
    <us-gaap:DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender contextRef="c-7" decimals="-6" id="f-2194" unitRef="usd">13000000</us-gaap:DeferredTaxLiabilityNotRecognizedAmountOfUnrecognizedDeferredTaxLiabilityBadDebtReserveForTaxPurposesOfQualifiedLender>
    <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="c-1" id="f-2195">Stock-Related Benefits Plans &lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Stock Based Compensation&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023, the Company had a total of &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;16,143,893&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; shares available for grants as restricted stock, options, or other forms of related rights under the 2020 Incentive Plan, which includes the remaining shares available, converted at the merger conversion factor from the legacy Flagstar Bancorp, Inc. 2016 Stock Plan. The Company granted &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;9,995,495&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; shares of restricted stock, with an average fair value of $10.24 per share on the date of grant, during the year ended December 31, 2023. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The shares of restricted stock that were granted during the year ended December 31, 2023 and 2022, vest over a &lt;span style="-sec-ix-hidden:f-2199"&gt;one&lt;/span&gt; to five years period. Compensation and benefits expense related to the RSAs grants is recognized on a straight-line basis over the vesting period and totaled $44&#160;million, $25&#160;million and $27&#160;million  for the years ended &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; 2022 and 2021.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides a summary of activity with regard to restricted stock awards (RSAs): &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.012%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Number of Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Grant Date Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unvested at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,576,602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,995,495&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Vested&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3,105,582)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Forfeited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1,292,574)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unvested at end of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,173,941&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December&#160;31, 2023, unrecognized compensation cost relating to unvested restricted stock totaled $119&#160;million. This amount will be recognized over a remaining weighted average period of 2.7 years.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides a summary of activity with regard to Performance-Based Restricted Stock Units ("PSUs") in the year ended December 31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.844%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.955%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.959%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Number&#160;of&lt;br/&gt;Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted&lt;br/&gt;Average&lt;br/&gt;Grant Date&lt;br/&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Performance&lt;br/&gt;Period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expected&lt;br/&gt;Vesting&lt;br/&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Outstanding at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;794,984&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;566,656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Released&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(143,352)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Forfeited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Outstanding at end of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,218,288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;January 1, 2022 - December 31, 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;March 31, 2023 - 2026&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;PSUs are subject to adjustment or forfeiture, based upon the achievement by the Company of certain performance standards.  Compensation and benefits expense related to PSUs is recognized using the fair value as of the date the units were approved, on a straight-line basis over the vesting period and totaled $4&#160;million, $3&#160;million and $5&#160;million for the &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;for the years ended December 31, 2023, &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; 2022 and 2021. As of December&#160;31, 2023, unrecognized compensation cost relating to unvested restricted stock totaled $5&#160;million. This amount will be recognized over a remaining weighted average period of 1.53 years. As of December&#160;31, 2023, the Company believes it is probable that the performance conditions will be met. &lt;/span&gt;&lt;/div&gt;Forfeitures of RSAs and PSUs are accounted for as they occur.</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant contextRef="c-7" decimals="0" id="f-2196" unitRef="shares">16143893</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod
      contextRef="c-415"
      decimals="0"
      id="f-2197"
      unitRef="shares">9995495</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-415"
      decimals="2"
      id="f-2198"
      unitRef="usdPerShare">10.24</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c-417" id="f-2200">P5Y</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
    <us-gaap:AllocatedShareBasedCompensationExpense contextRef="c-418" decimals="-6" id="f-2201" unitRef="usd">44000000</us-gaap:AllocatedShareBasedCompensationExpense>
    <us-gaap:AllocatedShareBasedCompensationExpense contextRef="c-419" decimals="-6" id="f-2202" unitRef="usd">25000000</us-gaap:AllocatedShareBasedCompensationExpense>
    <us-gaap:AllocatedShareBasedCompensationExpense contextRef="c-420" decimals="-6" id="f-2203" unitRef="usd">27000000</us-gaap:AllocatedShareBasedCompensationExpense>
    <us-gaap:NonvestedRestrictedStockSharesActivityTableTextBlock contextRef="c-1" id="f-2204">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides a summary of activity with regard to restricted stock awards (RSAs): &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.012%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Number of Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted Average Grant Date Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unvested at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,576,602&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,995,495&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Vested&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3,105,582)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.99&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Forfeited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1,292,574)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unvested at end of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15,173,941&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.49&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:NonvestedRestrictedStockSharesActivityTableTextBlock>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
      contextRef="c-421"
      decimals="0"
      id="f-2205"
      unitRef="shares">9576602</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
      contextRef="c-421"
      decimals="2"
      id="f-2206"
      unitRef="usdPerShare">10.92</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod
      contextRef="c-415"
      decimals="0"
      id="f-2207"
      unitRef="shares">9995495</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-415"
      decimals="2"
      id="f-2208"
      unitRef="usdPerShare">10.24</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod
      contextRef="c-415"
      decimals="0"
      id="f-2209"
      unitRef="shares">3105582</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-415"
      decimals="2"
      id="f-2210"
      unitRef="usdPerShare">10.99</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod
      contextRef="c-415"
      decimals="0"
      id="f-2211"
      unitRef="shares">1292574</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue
      contextRef="c-415"
      decimals="2"
      id="f-2212"
      unitRef="usdPerShare">10.62</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
      contextRef="c-422"
      decimals="0"
      id="f-2213"
      unitRef="shares">15173941</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
      contextRef="c-422"
      decimals="2"
      id="f-2214"
      unitRef="usdPerShare">10.49</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions contextRef="c-422" decimals="-6" id="f-2215" unitRef="usd">119000000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="c-415" id="f-2216">P2Y8M12D</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
    <us-gaap:ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock contextRef="c-1" id="f-2217">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table provides a summary of activity with regard to Performance-Based Restricted Stock Units ("PSUs") in the year ended December 31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.844%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.955%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.622%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.959%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Number&#160;of&lt;br/&gt;Shares&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted&lt;br/&gt;Average&lt;br/&gt;Grant Date&lt;br/&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Performance&lt;br/&gt;Period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expected&lt;br/&gt;Vesting&lt;br/&gt;Date&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Outstanding at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;794,984&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.73&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Granted&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;566,656&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Released&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(143,352)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Forfeited&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Outstanding at end of period&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,218,288&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;January 1, 2022 - December 31, 2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;March 31, 2023 - 2026&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ShareBasedCompensationPerformanceSharesAwardUnvestedActivityTableTextBlock>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
      contextRef="c-423"
      decimals="0"
      id="f-2218"
      unitRef="shares">794984</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
      contextRef="c-423"
      decimals="2"
      id="f-2219"
      unitRef="usdPerShare">10.73</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod
      contextRef="c-424"
      decimals="0"
      id="f-2220"
      unitRef="shares">566656</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-424"
      decimals="2"
      id="f-2221"
      unitRef="usdPerShare">8.95</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod
      contextRef="c-424"
      decimals="0"
      id="f-2222"
      unitRef="shares">143352</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue
      contextRef="c-424"
      decimals="2"
      id="f-2223"
      unitRef="usdPerShare">10.34</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod
      contextRef="c-424"
      decimals="0"
      id="f-2224"
      unitRef="shares">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue
      contextRef="c-424"
      decimals="2"
      id="f-2225"
      unitRef="usdPerShare">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
      contextRef="c-425"
      decimals="0"
      id="f-2226"
      unitRef="shares">1218288</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
    <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
      contextRef="c-425"
      decimals="2"
      id="f-2227"
      unitRef="usdPerShare">9.95</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
    <us-gaap:AllocatedShareBasedCompensationExpense contextRef="c-424" decimals="-6" id="f-2228" unitRef="usd">4000000</us-gaap:AllocatedShareBasedCompensationExpense>
    <us-gaap:AllocatedShareBasedCompensationExpense contextRef="c-426" decimals="-6" id="f-2229" unitRef="usd">3000000</us-gaap:AllocatedShareBasedCompensationExpense>
    <us-gaap:AllocatedShareBasedCompensationExpense contextRef="c-427" decimals="-6" id="f-2230" unitRef="usd">5000000</us-gaap:AllocatedShareBasedCompensationExpense>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions contextRef="c-425" decimals="-6" id="f-2231" unitRef="usd">5000000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedShareBasedAwardsOtherThanOptions>
    <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="c-424" id="f-2232">P1Y6M10D</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
    <us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock contextRef="c-1" id="f-2233">Derivative and Hedging Activities&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposure to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate and liquidity risks, primarily by managing the amount, sources, and duration of its assets and liabilities and, the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the payment of future known and uncertain cash amounts, the value of which are determined by interest rates. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Derivative financial instruments are recorded at fair value in other assets and other liabilities on the Consolidated Statements of Condition. The Company's policy is to present our derivative assets and derivative liabilities on the Consolidated Statement of Condition on a gross basis, even when provisions allowing for set-off are in place. However, for derivative contracts cleared through certain central clearing parties, variation margin payments are recognized as settlements. We are exposed to non-performance risk by the counterparties to our various derivative financial instruments. A majority of our derivatives are centrally cleared through a Central Counterparty Clearing House or consist of residential mortgage interest rate lock commitments further limiting our exposure to non-performance risk. We believe that the non-performance risk inherent in our remaining derivative contracts is minimal based on credit standards and the collateral provisions of the derivative agreements.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Derivatives not designated as hedging instruments.&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; The Company maintains a derivative portfolio of interest rate swaps, foreign currency swaps, futures, swaptions and forward commitments used to manage exposure to changes in interest rates and MSR asset values and to meet the needs of customers. The Company also enters into interest rate lock commitments, which are commitments to originate mortgage loans whereby the interest rate on the loan is determined prior to funding and the customers have locked into that interest rate. Market risk on interest rate lock commitments and mortgage LHFS is managed using corresponding forward sale commitments and US Treasury futures. Changes in the fair value of derivatives not designated as hedging instruments are recognized on the Consolidated Statements of Income and Comprehensive Income.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Derivatives designated as hedging instruments&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;. The Company has designated certain interest rate swaps as cash flow hedges on overnight SOFR-based variable interest payments on federal home loan bank advances. Changes in the fair value of derivatives designated as cash flow hedges are recorded in other comprehensive income on the Consolidated Statements of Condition and reclassified into interest expense in the same period in which the hedged transaction is recognized in earnings. At December&#160;31, 2023, the Company had&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; $10&#160;million (net-of-tax) of unrealized gains on derivatives classified as cash flow hedges recorded in accumulated other comprehensive loss. &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company had&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; $52&#160;million (&lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;net-of-tax) of unrealized gains on derivatives classified as cash flow hedges recorded in accumulated other comprehensive loss at December&#160;31, 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Derivatives that are designated in hedging relationships are assessed for effectiveness using regression analysis at inception and qualitatively thereafter, unless regression analysis is deemed necessary. All designated hedge relationships were, and are expected to be, highly effective as of December&#160;31, 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Fair Value of Hedges of Interest Rate Risk&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company is exposed to changes in the fair value of certain of its fixed-rate assets due to changes in interest rates. The Company uses interest rate swaps to manage its exposure to changes in fair value on these instruments attributable to changes in the designated benchmark interest rate. Interest rate swaps designated as fair value hedges involve the payment of fixed-rate amounts to a counterparty in exchange for the Company receiving variable-rate payments over the life of the agreements without the exchange of the underlying notional amount. Such derivatives were used to hedge the changes in fair value of certain of its pools of prepayable fixed rate assets. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in interest income. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company has interest rate swaps with a notional amounts of $2.0&#160;billion to hedge certain multi-family loans using the portfolio layer method. For the year ended December&#160;31, 2023, the floating rate received related to the net settlement of these interest rate swaps was greater than the fixed rate payments. As such, interest income from loans and leases in the accompanying Consolidated Statements of Income and Comprehensive Income was increased by $24&#160;million for the year ended December&#160;31, 2023 and decreased by $6&#160;million for the year ended  December&#160;31, 2022, respectively. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair value basis adjustment on our hedged real estate loans is included in loans and leases held for investment on our Consolidated Statements of Condition. The carrying amount of our hedged loans was $6.1&#160;billion at &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, of which unrealized gains of $9&#160;million were due to the fair value hedge relationship. We have designated $2.0&#160;billion of this portfolio of loans in a hedging relationship as of &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables set forth information regarding the Company&#x2019;s derivative financial instruments:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.701%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.110%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.454%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Notional Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expiration Dates&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated as cash flow hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on FHLB advances&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025-2028&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated as fair value hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on multi-family loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025-2027&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024-2041&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;77&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024-2054&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivatives not designated as hedging instruments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.497%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.387%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.387%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.500%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.387%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.504%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Notional Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expiration Date&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated as cash flow hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023-2027&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,065&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,594&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023-2032&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;527&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023-2053&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivatives not designated as hedging instruments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Not Offset in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Netted in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Amount Presented in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash Collateral Pledged (Received)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on FHLB advances &lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on multi-family loans held for investment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Not Offset in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Netted in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Amount Presented in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash Collateral Pledged (Received)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on FHLB advances &lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash Flow Hedges of Interest Rate Risk&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company&#x2019;s objectives in using interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. Interest rate swaps designated as cash flow hedges involve the receipt of amounts subject to variability caused by changes in interest rates from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. Changes in the fair value of derivatives designated and that qualify as cash flow hedges are initially recorded in other comprehensive income and are subsequently reclassified into earnings in the period that the hedged transaction affects earnings.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Interest rate swaps with notional amounts totaling $5.5&#160;billion and $3.8&#160;billion as of December&#160;31, 2023 and December&#160;31, 2022, were designated as cash flow hedges of certain FHLB borrowings.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the effect of the Company&#x2019;s cash flow derivative instruments on AOCL:  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.514%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.613%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.274%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.031%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount of gain (loss) recognized in AOCL&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount of reclassified from AOCL to interest expense&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(65)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Amounts reported in AOCL related to derivatives will be reclassified to interest expense as interest payments are made on the Company&#x2019;s variable-rate borrowings. During the next twelve months, additional interest expense reduction of $98&#160;million is expected to be reclassified out of AOCL.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Derivatives not Designated as Hedging Instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the net gain (loss) recognized in income on derivatives not designated as hedging  instruments, net of the impact of offsetting positions:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.514%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Location of Gain (Loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net return on mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net return on mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net return on mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments and US Treasury futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on loan sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Forward commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other noninterest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other non-interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative (loss) gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt; Includes customer-initiated commercial interest rate swaps.&lt;/span&gt;&lt;/div&gt;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
    <us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax contextRef="c-7" decimals="-6" id="f-2234" unitRef="usd">10000000</us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax>
    <us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax contextRef="c-8" decimals="-6" id="f-2235" unitRef="usd">52000000</us-gaap:AociLossCashFlowHedgeCumulativeGainLossAfterTax>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-428" decimals="-8" id="f-2236" unitRef="usd">2000000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:InterestAndFeeIncomeLoansAndLeasesHeldForSale contextRef="c-1" decimals="-6" id="f-2237" unitRef="usd">24000000</us-gaap:InterestAndFeeIncomeLoansAndLeasesHeldForSale>
    <us-gaap:InterestAndFeeIncomeLoansAndLeasesHeldForSale contextRef="c-9" decimals="-6" id="f-2238" unitRef="usd">6000000</us-gaap:InterestAndFeeIncomeLoansAndLeasesHeldForSale>
    <us-gaap:DerivativeAmountOfHedgedItem contextRef="c-7" decimals="-6" id="f-2239" unitRef="usd">6100000000</us-gaap:DerivativeAmountOfHedgedItem>
    <us-gaap:IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1 contextRef="c-1" decimals="-6" id="f-2240" unitRef="usd">9000000</us-gaap:IncreaseDecreaseInFairValueOfInterestRateFairValueHedgingInstruments1>
    <us-gaap:DerivativeAmountOfHedgedItem contextRef="c-428" decimals="-8" id="f-2241" unitRef="usd">2000000000</us-gaap:DerivativeAmountOfHedgedItem>
    <us-gaap:ScheduleOfDerivativeInstrumentsTextBlock contextRef="c-1" id="f-2242">&lt;div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables set forth information regarding the Company&#x2019;s derivative financial instruments:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.701%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.034%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.110%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.454%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Notional Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expiration Dates&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated as cash flow hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on FHLB advances&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025-2028&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,500&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated as fair value hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on multi-family loans held for investment&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,000&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025-2027&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,012&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,490&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,431&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024-2041&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,933&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;2,235&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,048&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;77&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,720&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024-2054&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivatives not designated as hedging instruments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,080&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.561%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:52.497%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.087%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.387%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.151%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.387%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.500%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.387%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.504%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Notional Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:right"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expiration Date&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated as cash flow hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023-2027&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,750&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,205&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,065&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,539&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,594&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023-2032&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,403&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;229&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;739&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;527&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,445&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023-2053&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivatives not designated as hedging instruments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,711&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDerivativeInstrumentsTextBlock>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-429" decimals="-6" id="f-2243" unitRef="usd">5500000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-430" decimals="-6" id="f-2244" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-431" decimals="-6" id="f-2245" unitRef="usd">2000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-432" decimals="-6" id="f-2246" unitRef="usd">5500000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-433" decimals="-6" id="f-2247" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-434" decimals="-6" id="f-2248" unitRef="usd">2000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-435" decimals="-6" id="f-2249" unitRef="usd">2000000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-436" decimals="-6" id="f-2250" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-437" decimals="-6" id="f-2251" unitRef="usd">1000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-438" decimals="-6" id="f-2252" unitRef="usd">1012000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-438" decimals="-6" id="f-2253" unitRef="usd">11000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-439" decimals="-6" id="f-2254" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-440" decimals="-6" id="f-2255" unitRef="usd">1490000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-440" decimals="-6" id="f-2256" unitRef="usd">12000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-441" decimals="-6" id="f-2257" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-442" decimals="-6" id="f-2258" unitRef="usd">5431000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-442" decimals="-6" id="f-2259" unitRef="usd">115000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-443" decimals="-6" id="f-2260" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-444" decimals="-6" id="f-2261" unitRef="usd">7933000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-444" decimals="-6" id="f-2262" unitRef="usd">138000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-445" decimals="-6" id="f-2263" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-446" decimals="-6" id="f-2264" unitRef="usd">2235000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-447" decimals="-6" id="f-2265" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-446" decimals="-6" id="f-2266" unitRef="usd">1000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-439" decimals="-6" id="f-2267" unitRef="usd">1048000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-438" decimals="-6" id="f-2268" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-439" decimals="-6" id="f-2269" unitRef="usd">32000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-441" decimals="-6" id="f-2270" unitRef="usd">77000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-440" decimals="-6" id="f-2271" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-441" decimals="-6" id="f-2272" unitRef="usd">3000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-443" decimals="-6" id="f-2273" unitRef="usd">2720000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-442" decimals="-6" id="f-2274" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-443" decimals="-6" id="f-2275" unitRef="usd">59000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-445" decimals="-6" id="f-2276" unitRef="usd">6080000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-444" decimals="-6" id="f-2277" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-445" decimals="-6" id="f-2278" unitRef="usd">95000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-448" decimals="-6" id="f-2279" unitRef="usd">3750000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-449" decimals="-6" id="f-2280" unitRef="usd">5000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-450" decimals="-6" id="f-2281" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-451" decimals="-6" id="f-2282" unitRef="usd">3750000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-452" decimals="-6" id="f-2283" unitRef="usd">5000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-453" decimals="-6" id="f-2284" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-454" decimals="-6" id="f-2285" unitRef="usd">1205000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-454" decimals="-6" id="f-2286" unitRef="usd">2000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-455" decimals="-6" id="f-2287" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-456" decimals="-6" id="f-2288" unitRef="usd">1065000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-456" decimals="-6" id="f-2289" unitRef="usd">36000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-457" decimals="-6" id="f-2290" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-458" decimals="-6" id="f-2291" unitRef="usd">1539000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-458" decimals="-6" id="f-2292" unitRef="usd">9000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-459" decimals="-6" id="f-2293" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-460" decimals="-6" id="f-2294" unitRef="usd">7594000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-460" decimals="-6" id="f-2295" unitRef="usd">182000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-461" decimals="-6" id="f-2296" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetNotionalAmount contextRef="c-462" decimals="-6" id="f-2297" unitRef="usd">11403000000</us-gaap:DerivativeAssetNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-462" decimals="-6" id="f-2298" unitRef="usd">229000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-463" decimals="-6" id="f-2299" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-457" decimals="-6" id="f-2300" unitRef="usd">739000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-456" decimals="-6" id="f-2301" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-457" decimals="-6" id="f-2302" unitRef="usd">61000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-459" decimals="-6" id="f-2303" unitRef="usd">527000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-458" decimals="-6" id="f-2304" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-459" decimals="-6" id="f-2305" unitRef="usd">10000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-461" decimals="-6" id="f-2306" unitRef="usd">2445000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-460" decimals="-6" id="f-2307" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-461" decimals="-6" id="f-2308" unitRef="usd">65000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityNotionalAmount contextRef="c-463" decimals="-6" id="f-2309" unitRef="usd">3711000000</us-gaap:DerivativeLiabilityNotionalAmount>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-462" decimals="-6" id="f-2310" unitRef="usd">0</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-463" decimals="-6" id="f-2311" unitRef="usd">136000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:OffsettingAssetsTableTextBlock contextRef="c-1" id="f-2313">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Not Offset in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Netted in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Amount Presented in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash Collateral Pledged (Received)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on FHLB advances &lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on multi-family loans held for investment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Not Offset in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Netted in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Amount Presented in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash Collateral Pledged (Received)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on FHLB advances &lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.&lt;/span&gt;&lt;/div&gt;</us-gaap:OffsettingAssetsTableTextBlock>
    <us-gaap:OffsettingLiabilitiesTableTextBlock contextRef="c-1" id="f-2312">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Not Offset in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Netted in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Amount Presented in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash Collateral Pledged (Received)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on FHLB advances &lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on multi-family loans held for investment&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(35)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;57&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="padding-left:12pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;42&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the derivatives subject to a master netting agreement, including the cash pledged as collateral:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.594%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.677%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.761%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.377%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Not Offset in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Amounts Netted in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Amount Presented in the Statements of Condition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash Collateral Pledged (Received)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives designated hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps on FHLB advances &lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(9)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(36)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;220&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(44)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;54&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;29&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Variation margin pledged to, or received from, a Central Counterparty Clearing House to cover the prior days fair value of open positions is considered settlement of the derivative position for accounting purposes.&lt;/span&gt;&lt;/div&gt;</us-gaap:OffsettingLiabilitiesTableTextBlock>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-464" decimals="-6" id="f-2314" unitRef="usd">2000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-464" decimals="-6" id="f-2315" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-464" decimals="-6" id="f-2316" unitRef="usd">2000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-464" decimals="-6" id="f-2317" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-464" decimals="-6" id="f-2318" unitRef="usd">75000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-465" decimals="-6" id="f-2319" unitRef="usd">1000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-465" decimals="-6" id="f-2320" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-465" decimals="-6" id="f-2321" unitRef="usd">1000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-465" decimals="-6" id="f-2322" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-465" decimals="-6" id="f-2323" unitRef="usd">27000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-466" decimals="-6" id="f-2324" unitRef="usd">11000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetFairValueGrossLiability contextRef="c-466" decimals="-6" id="f-2325" unitRef="usd">0</us-gaap:DerivativeAssetFairValueGrossLiability>
    <us-gaap:DerivativeAssets contextRef="c-466" decimals="-6" id="f-2326" unitRef="usd">11000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeCollateralObligationToReturnSecurities contextRef="c-466" decimals="-6" id="f-2327" unitRef="usd">0</us-gaap:DerivativeCollateralObligationToReturnSecurities>
    <us-gaap:DerivativeCollateralObligationToReturnCash contextRef="c-466" decimals="-6" id="f-2328" unitRef="usd">-1000000</us-gaap:DerivativeCollateralObligationToReturnCash>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-467" decimals="-6" id="f-2329" unitRef="usd">115000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetFairValueGrossLiability contextRef="c-467" decimals="-6" id="f-2330" unitRef="usd">0</us-gaap:DerivativeAssetFairValueGrossLiability>
    <us-gaap:DerivativeAssets contextRef="c-467" decimals="-6" id="f-2331" unitRef="usd">115000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeCollateralObligationToReturnSecurities contextRef="c-467" decimals="-6" id="f-2332" unitRef="usd">0</us-gaap:DerivativeCollateralObligationToReturnSecurities>
    <us-gaap:DerivativeCollateralObligationToReturnCash contextRef="c-467" decimals="-6" id="f-2333" unitRef="usd">-34000000</us-gaap:DerivativeCollateralObligationToReturnCash>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-468" decimals="-6" id="f-2334" unitRef="usd">126000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetFairValueGrossLiability contextRef="c-468" decimals="-6" id="f-2335" unitRef="usd">0</us-gaap:DerivativeAssetFairValueGrossLiability>
    <us-gaap:DerivativeAssets contextRef="c-468" decimals="-6" id="f-2336" unitRef="usd">126000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeCollateralObligationToReturnSecurities contextRef="c-468" decimals="-6" id="f-2337" unitRef="usd">0</us-gaap:DerivativeCollateralObligationToReturnSecurities>
    <us-gaap:DerivativeCollateralObligationToReturnCash contextRef="c-468" decimals="-6" id="f-2338" unitRef="usd">-35000000</us-gaap:DerivativeCollateralObligationToReturnCash>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-469" decimals="-6" id="f-2339" unitRef="usd">1000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-469" decimals="-6" id="f-2340" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-469" decimals="-6" id="f-2341" unitRef="usd">1000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-469" decimals="-6" id="f-2342" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-469" decimals="-6" id="f-2343" unitRef="usd">3000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-466" decimals="-6" id="f-2344" unitRef="usd">32000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-466" decimals="-6" id="f-2345" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-466" decimals="-6" id="f-2346" unitRef="usd">32000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-466" decimals="-6" id="f-2347" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-466" decimals="-6" id="f-2348" unitRef="usd">57000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-470" decimals="-6" id="f-2349" unitRef="usd">59000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-470" decimals="-6" id="f-2350" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-470" decimals="-6" id="f-2351" unitRef="usd">59000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-470" decimals="-6" id="f-2352" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-470" decimals="-6" id="f-2353" unitRef="usd">42000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-468" decimals="-6" id="f-2354" unitRef="usd">92000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-468" decimals="-6" id="f-2355" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-468" decimals="-6" id="f-2356" unitRef="usd">92000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-468" decimals="-6" id="f-2357" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-468" decimals="-6" id="f-2358" unitRef="usd">102000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-471" decimals="-6" id="f-2359" unitRef="usd">5000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-471" decimals="-6" id="f-2360" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-471" decimals="-6" id="f-2361" unitRef="usd">5000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-471" decimals="-6" id="f-2362" unitRef="usd">4000000</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-471" decimals="-6" id="f-2363" unitRef="usd">27000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-472" decimals="-6" id="f-2364" unitRef="usd">36000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetFairValueGrossLiability contextRef="c-472" decimals="-6" id="f-2365" unitRef="usd">0</us-gaap:DerivativeAssetFairValueGrossLiability>
    <us-gaap:DerivativeAssets contextRef="c-472" decimals="-6" id="f-2366" unitRef="usd">36000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeCollateralObligationToReturnSecurities contextRef="c-472" decimals="-6" id="f-2367" unitRef="usd">0</us-gaap:DerivativeCollateralObligationToReturnSecurities>
    <us-gaap:DerivativeCollateralObligationToReturnCash contextRef="c-472" decimals="-6" id="f-2368" unitRef="usd">-9000000</us-gaap:DerivativeCollateralObligationToReturnCash>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-473" decimals="-6" id="f-2369" unitRef="usd">182000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetFairValueGrossLiability contextRef="c-473" decimals="-6" id="f-2370" unitRef="usd">0</us-gaap:DerivativeAssetFairValueGrossLiability>
    <us-gaap:DerivativeAssets contextRef="c-473" decimals="-6" id="f-2371" unitRef="usd">182000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeCollateralObligationToReturnSecurities contextRef="c-473" decimals="-6" id="f-2372" unitRef="usd">0</us-gaap:DerivativeCollateralObligationToReturnSecurities>
    <us-gaap:DerivativeCollateralObligationToReturnCash contextRef="c-473" decimals="-6" id="f-2373" unitRef="usd">-36000000</us-gaap:DerivativeCollateralObligationToReturnCash>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-474" decimals="-6" id="f-2374" unitRef="usd">2000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetFairValueGrossLiability contextRef="c-474" id="f-2375" unitRef="usd" xsi:nil="true"/>
    <us-gaap:DerivativeAssets contextRef="c-474" decimals="-6" id="f-2376" unitRef="usd">2000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeCollateralObligationToReturnSecurities contextRef="c-474" id="f-2377" unitRef="usd" xsi:nil="true"/>
    <us-gaap:DerivativeCollateralObligationToReturnCash contextRef="c-474" decimals="-6" id="f-2378" unitRef="usd">1000000</us-gaap:DerivativeCollateralObligationToReturnCash>
    <us-gaap:DerivativeFairValueOfDerivativeAsset contextRef="c-475" decimals="-6" id="f-2379" unitRef="usd">220000000</us-gaap:DerivativeFairValueOfDerivativeAsset>
    <us-gaap:DerivativeAssetFairValueGrossLiability contextRef="c-475" decimals="-6" id="f-2380" unitRef="usd">0</us-gaap:DerivativeAssetFairValueGrossLiability>
    <us-gaap:DerivativeAssets contextRef="c-475" decimals="-6" id="f-2381" unitRef="usd">220000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeCollateralObligationToReturnSecurities contextRef="c-475" decimals="-6" id="f-2382" unitRef="usd">0</us-gaap:DerivativeCollateralObligationToReturnSecurities>
    <us-gaap:DerivativeCollateralObligationToReturnCash contextRef="c-475" decimals="-6" id="f-2383" unitRef="usd">-44000000</us-gaap:DerivativeCollateralObligationToReturnCash>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-472" decimals="-6" id="f-2384" unitRef="usd">61000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-472" decimals="-6" id="f-2385" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-472" decimals="-6" id="f-2386" unitRef="usd">61000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-472" decimals="-6" id="f-2387" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-472" decimals="-6" id="f-2388" unitRef="usd">54000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-476" decimals="-6" id="f-2389" unitRef="usd">65000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-476" decimals="-6" id="f-2390" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-476" decimals="-6" id="f-2391" unitRef="usd">65000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-476" decimals="-6" id="f-2392" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-476" decimals="-6" id="f-2393" unitRef="usd">29000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:DerivativeFairValueOfDerivativeLiability contextRef="c-475" decimals="-6" id="f-2394" unitRef="usd">126000000</us-gaap:DerivativeFairValueOfDerivativeLiability>
    <us-gaap:DerivativeLiabilityFairValueGrossAsset contextRef="c-475" decimals="-6" id="f-2395" unitRef="usd">0</us-gaap:DerivativeLiabilityFairValueGrossAsset>
    <us-gaap:DerivativeLiabilities contextRef="c-475" decimals="-6" id="f-2396" unitRef="usd">126000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeCollateralRightToReclaimSecurities contextRef="c-475" decimals="-6" id="f-2397" unitRef="usd">0</us-gaap:DerivativeCollateralRightToReclaimSecurities>
    <us-gaap:DerivativeCollateralRightToReclaimCash contextRef="c-475" decimals="-6" id="f-2398" unitRef="usd">83000000</us-gaap:DerivativeCollateralRightToReclaimCash>
    <us-gaap:ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock contextRef="c-1" id="f-2399">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Interest rate swaps with notional amounts totaling $5.5&#160;billion and $3.8&#160;billion as of December&#160;31, 2023 and December&#160;31, 2022, were designated as cash flow hedges of certain FHLB borrowings.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the effect of the Company&#x2019;s cash flow derivative instruments on AOCL:  &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.514%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.613%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.274%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.031%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount of gain (loss) recognized in AOCL&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;88&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount of reclassified from AOCL to interest expense&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(65)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock>
    <us-gaap:DerivativeNotionalAmount contextRef="c-429" decimals="-8" id="f-2400" unitRef="usd">5500000000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:DerivativeNotionalAmount contextRef="c-448" decimals="-8" id="f-2401" unitRef="usd">3800000000</us-gaap:DerivativeNotionalAmount>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax contextRef="c-477" decimals="-6" id="f-2402" unitRef="usd">9000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax contextRef="c-478" decimals="-6" id="f-2403" unitRef="usd">88000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax contextRef="c-479" decimals="-6" id="f-2404" unitRef="usd">8000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax contextRef="c-477" decimals="-6" id="f-2405" unitRef="usd">-65000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax contextRef="c-478" decimals="-6" id="f-2406" unitRef="usd">-4000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax contextRef="c-479" decimals="-6" id="f-2407" unitRef="usd">25000000</us-gaap:OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax>
    <us-gaap:InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet contextRef="c-7" decimals="-6" id="f-2408" unitRef="usd">-98000000</us-gaap:InterestRateCashFlowHedgeGainLossToBeReclassifiedDuringNext12MonthsNet>
    <us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock contextRef="c-1" id="f-2409">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the net gain (loss) recognized in income on derivatives not designated as hedging  instruments, net of the impact of offsetting positions:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:44.514%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:25.946%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.768%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivatives not designated as hedging instruments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Location of Gain (Loss)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net return on mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net return on mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(34)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(11)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net return on mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(15)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments and US Treasury futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on loan sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Forward commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other noninterest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other non-interest income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 6pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total derivative (loss) gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt; Includes customer-initiated commercial interest rate swaps.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-480" decimals="-6" id="f-2410" unitRef="usd">1000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-481" decimals="-6" id="f-2411" unitRef="usd">-1000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-482" decimals="-6" id="f-2412" unitRef="usd">-34000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-483" decimals="-6" id="f-2413" unitRef="usd">-11000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-484" decimals="-6" id="f-2414" unitRef="usd">-15000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-485" decimals="-6" id="f-2415" unitRef="usd">-4000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-486" decimals="-6" id="f-2416" unitRef="usd">2000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-487" decimals="-6" id="f-2417" unitRef="usd">28000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-488" decimals="-6" id="f-2418" unitRef="usd">0</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-489" decimals="-6" id="f-2419" unitRef="usd">-1000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-490" decimals="-6" id="f-2420" unitRef="usd">-1000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-491" decimals="-6" id="f-2421" unitRef="usd">0</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-1" decimals="-6" id="f-2422" unitRef="usd">-47000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet contextRef="c-9" decimals="-6" id="f-2423" unitRef="usd">11000000</us-gaap:DerivativeInstrumentsNotDesignatedAsHedgingInstrumentsGainLossNet>
    <us-gaap:IntangibleAssetsDisclosureTextBlock contextRef="c-1" id="f-2424">Intangible Assets&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Goodwill&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:22.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We record goodwill in our consolidated statements of condition in connection with certain of our business combinations. Goodwill, which is tested at least annually for impairment, refers to the difference between the purchase price and the fair value of an acquired company&#x2019;s assets, net of the liabilities assumed. As of December&#160;31, 2023, the Company identified a triggering event and applied a market approach using the end of day stock price. We evaluated those conditions known and knowable by the company and how a market participant would view the control premium as confirmed by the subsequent confirming market evidence. This adjusted market capitalization was then compared to the carrying value to determine the extent of the shortfall which was calculated to be in excess of the goodwill balance. The Company&#x2019;s assessment concluded that goodwill from historical transactions (2007 and prior) was fully impaired as of December&#160;31, 2023. As a result, the Company recorded an impairment charge of the entire goodwill balance of $2.4&#160;billion.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Goodwill and related changes in the carrying amount during the year ended December 31, 2023 are as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:86.326%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.474%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Carrying Amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at December 31, 2022&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Impairment&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2,426)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at December 31, 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Finite-lived Intangible Assets&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As a result of the Signature Transaction, the Company recorded&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; $464 million of &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;core deposit intangible and other intangible assets that are amortizable.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, intangible assets consisted of the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.037%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.698%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Carrying Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accumulated Amortization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Carrying Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Carrying Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accumulated Amortization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Carrying Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Core deposit intangible&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(131)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:22.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;As of December 31, 2023 the weighted average amortization period for core deposit intangible and other intangible assets is 10 years and 5.1 years, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated amortization expense of CDI and other intangible assets for the next five years is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:77.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.567%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization Expense&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:IntangibleAssetsDisclosureTextBlock>
    <us-gaap:GoodwillImpairmentLoss contextRef="c-1" decimals="-8" id="f-2425" unitRef="usd">2400000000</us-gaap:GoodwillImpairmentLoss>
    <us-gaap:ScheduleOfGoodwillTextBlock contextRef="c-1" id="f-2426">&lt;div style="text-align:justify;text-indent:18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Goodwill and related changes in the carrying amount during the year ended December 31, 2023 are as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:86.326%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.474%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Carrying Amount&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at December 31, 2022&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,426&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Impairment&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2,426)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at December 31, 2023&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfGoodwillTextBlock>
    <us-gaap:Goodwill contextRef="c-8" decimals="-6" id="f-2427" unitRef="usd">2426000000</us-gaap:Goodwill>
    <us-gaap:GoodwillImpairmentLoss contextRef="c-1" decimals="-6" id="f-2428" unitRef="usd">2426000000</us-gaap:GoodwillImpairmentLoss>
    <us-gaap:Goodwill contextRef="c-7" decimals="-6" id="f-2429" unitRef="usd">0</us-gaap:Goodwill>
    <us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles contextRef="c-71" decimals="-6" id="f-2430" unitRef="usd">464000000</us-gaap:BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles>
    <us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock contextRef="c-1" id="f-2431">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, intangible assets consisted of the following:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.037%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.351%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.698%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Carrying Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accumulated Amortization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Carrying Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross Carrying Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accumulated Amortization&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net Carrying Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Core deposit intangible&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;700&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(113)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;250&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;246&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;56&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;42&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other intangible assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;756&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(131)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;625&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;292&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;287&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock>
    <us-gaap:IntangibleAssetsGrossExcludingGoodwill contextRef="c-492" decimals="-6" id="f-2432" unitRef="usd">700000000</us-gaap:IntangibleAssetsGrossExcludingGoodwill>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-492" decimals="-6" id="f-2433" unitRef="usd">113000000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:IntangibleAssetsNetExcludingGoodwill contextRef="c-492" decimals="-6" id="f-2434" unitRef="usd">587000000</us-gaap:IntangibleAssetsNetExcludingGoodwill>
    <us-gaap:IntangibleAssetsGrossExcludingGoodwill contextRef="c-493" decimals="-6" id="f-2435" unitRef="usd">250000000</us-gaap:IntangibleAssetsGrossExcludingGoodwill>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-493" decimals="-6" id="f-2436" unitRef="usd">4000000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:IntangibleAssetsNetExcludingGoodwill contextRef="c-493" decimals="-6" id="f-2437" unitRef="usd">246000000</us-gaap:IntangibleAssetsNetExcludingGoodwill>
    <us-gaap:IntangibleAssetsGrossExcludingGoodwill contextRef="c-494" decimals="-6" id="f-2438" unitRef="usd">56000000</us-gaap:IntangibleAssetsGrossExcludingGoodwill>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-494" decimals="-6" id="f-2439" unitRef="usd">18000000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:IntangibleAssetsNetExcludingGoodwill contextRef="c-494" decimals="-6" id="f-2440" unitRef="usd">38000000</us-gaap:IntangibleAssetsNetExcludingGoodwill>
    <us-gaap:IntangibleAssetsGrossExcludingGoodwill contextRef="c-495" decimals="-6" id="f-2441" unitRef="usd">42000000</us-gaap:IntangibleAssetsGrossExcludingGoodwill>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-495" decimals="-6" id="f-2442" unitRef="usd">1000000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:IntangibleAssetsNetExcludingGoodwill contextRef="c-495" decimals="-6" id="f-2443" unitRef="usd">41000000</us-gaap:IntangibleAssetsNetExcludingGoodwill>
    <us-gaap:IntangibleAssetsGrossExcludingGoodwill contextRef="c-7" decimals="-6" id="f-2444" unitRef="usd">756000000</us-gaap:IntangibleAssetsGrossExcludingGoodwill>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-7" decimals="-6" id="f-2445" unitRef="usd">131000000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:IntangibleAssetsNetExcludingGoodwill contextRef="c-7" decimals="-6" id="f-2446" unitRef="usd">625000000</us-gaap:IntangibleAssetsNetExcludingGoodwill>
    <us-gaap:IntangibleAssetsGrossExcludingGoodwill contextRef="c-8" decimals="-6" id="f-2447" unitRef="usd">292000000</us-gaap:IntangibleAssetsGrossExcludingGoodwill>
    <us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization contextRef="c-8" decimals="-6" id="f-2448" unitRef="usd">5000000</us-gaap:FiniteLivedIntangibleAssetsAccumulatedAmortization>
    <us-gaap:IntangibleAssetsNetExcludingGoodwill contextRef="c-8" decimals="-6" id="f-2449" unitRef="usd">287000000</us-gaap:IntangibleAssetsNetExcludingGoodwill>
    <us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife contextRef="c-496" id="f-2450">P10Y</us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife>
    <us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife contextRef="c-497" id="f-2451">P5Y1M6D</us-gaap:AcquiredFiniteLivedIntangibleAssetsWeightedAverageUsefulLife>
    <us-gaap:ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock contextRef="c-1" id="f-2452">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated amortization expense of CDI and other intangible assets for the next five years is as follows:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:77.233%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:20.567%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization Expense&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;132&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;107&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;94&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;482&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock>
    <us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths contextRef="c-7" decimals="-6" id="f-2453" unitRef="usd">132000000</us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths>
    <us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo contextRef="c-7" decimals="-6" id="f-2454" unitRef="usd">107000000</us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo>
    <us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearThree contextRef="c-7" decimals="-6" id="f-2455" unitRef="usd">94000000</us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearThree>
    <us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearFour contextRef="c-7" decimals="-6" id="f-2456" unitRef="usd">81000000</us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearFour>
    <us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearFive contextRef="c-7" decimals="-6" id="f-2457" unitRef="usd">68000000</us-gaap:FiniteLivedIntangibleAssetsAmortizationExpenseYearFive>
    <us-gaap:FiniteLivedIntangibleAssetsNet contextRef="c-7" decimals="-6" id="f-2458" unitRef="usd">482000000</us-gaap:FiniteLivedIntangibleAssetsNet>
    <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="c-1" id="f-2459">Capital&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Bank is subject to regulation, examination, and supervision by the OCC and the Federal Reserve (the &#x201c;Regulators&#x201d;). The Bank is also governed by numerous federal and state laws and regulations, including the FDIC Improvement Act of 1991, which established five categories of capital adequacy ranging from &#x201c;well capitalized&#x201d; to &#x201c;critically undercapitalized.&#x201d; Such classifications are used by the FDIC to determine various matters, including prompt corrective action and each institution&#x2019;s FDIC deposit insurance premium assessments. Capital amounts and classifications are also subject to the Regulators&#x2019; qualitative judgments about the components of capital and risk weightings, among other factors. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The quantitative measures established to ensure capital adequacy require that banks maintain minimum amounts and ratios of leverage capital to average assets and of common equity tier 1 capital, tier 1 capital, and total capital to risk-weighted assets (as such measures are defined in the regulations).  At December&#160;31, 2023, our capital measures continued to exceed the minimum federal requirements for a bank holding company and for a bank. The following tables sets forth our common equity tier 1, tier 1 risk-based, total risk-based, and leverage capital amounts and ratios on a consolidated basis and for the Bank on a stand-alone basis, as well as the respective minimum regulatory capital requirements, at that date:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the actual capital amounts and ratios for the Company: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.976%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.362%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.728%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.728%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.728%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Risk-Based Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Common Equity Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Leverage Capital&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total capital&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,009&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.05&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum for capital adequacy purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,081&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Excess&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total capital&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.06&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum for capital adequacy purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Excess&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,561&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the actual capital amounts and ratios for the Bank: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.164%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.723%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.694%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.388%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.723%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.694%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.388%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.723%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.105%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.388%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.752%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Risk-Based Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Common Equity Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Leverage Capital&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total capital&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum for capital adequacy purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Excess&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total capital&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum for capital adequacy purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Excess&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023, our total risk-based capital ratio exceeded the minimum requirement for capital adequacy purposes by 377 basis points and the fully phased-in capital conservation buffer by 127 basis points.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Bank also exceeded the minimum capital requirements to be categorized as &#x201c;Well Capitalized.&#x201d; To be categorized as well capitalized, a bank must maintain a minimum common equity tier 1 ratio of 6.50 percent; a minimum tier 1 risk-based capital ratio of 8 percent; a minimum total risk-based capital ratio of 10 percent; and a minimum leverage capital ratio of 5 percent.  &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:6pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Preferred Stock&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On March 17, 2017, the Company issued 20,600,000 depositary shares, each representing a 1/40th interest in a share of the Company&#x2019;s Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, par value $0.01 per share, with a liquidation preference of $1.00 per share (equivalent to $25 per depositary share). Dividends will accrue on the depositary shares at a fixed rate equal to 6.375 percent per annum until March 17, 2027, and a floating rate equal to Three-month LIBOR plus 382.1 basis points per annum beginning on March 17, 2027. Dividends will be payable in arrears on March 17, June 17, September 17, and December 17 of each year, which commenced on June 17, 2017.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Treasury Stock Repurchases&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On October 23, 2018, the Board of Directors approved the repurchase of up to $300&#160;million of the Company&#x2019;s outstanding common stock. As of December&#160;31, 2023, the Company has repurchased a total of 30&#160;million shares at an average price of $9.61 or an aggregate purchase of $286&#160;million. The Company had no repurchases during 2023. During the year ended December&#160;31, 2022, the Company repurchased 871,710 shares, at a cost of $8&#160;million.&lt;/span&gt;&lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
    <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="c-1" id="f-2460">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the actual capital amounts and ratios for the Company: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.976%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:30.362%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.728%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.728%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.728%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.390%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.762%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.736%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Risk-Based Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Common Equity Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Leverage Capital&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total capital&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,009&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.05&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,415&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,512&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum for capital adequacy purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,983&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,081&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Excess&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,026&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,202&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.62&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,334&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.77&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,120&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.75&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total capital&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.06&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,154&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,838&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9.70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum for capital adequacy purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,146&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,593&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,819&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Excess&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.56&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,643&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.78&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,561&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,019&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.70&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the actual capital amounts and ratios for the Bank: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.415%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:28.164%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.723%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.694%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.388%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.723%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.694%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.388%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.723%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.105%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.388%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.752%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.758%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="24" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Risk-Based Capital&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Common Equity Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Tier 1&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Leverage Capital&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ratio&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total capital&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,305&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum for capital adequacy purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,980&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,307&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,076&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,389&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Excess&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,325&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.02&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,998&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,195&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,916&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.48&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total capital&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,982&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,653&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10.87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum for capital adequacy purposes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,142&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,189&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,585&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,817&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.00&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Excess&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,511&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.46&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,464&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.96&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,397&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3.43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,836&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.87&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
    <us-gaap:CommonEquityTierOneCapital contextRef="c-498" decimals="-6" id="f-2461" unitRef="usd">8009000000</us-gaap:CommonEquityTierOneCapital>
    <us-gaap:CommonEquityTierOneCapitalRatio
      contextRef="c-498"
      decimals="4"
      id="f-2462"
      unitRef="number">0.0905</us-gaap:CommonEquityTierOneCapitalRatio>
    <us-gaap:TierOneRiskBasedCapital contextRef="c-498" decimals="-6" id="f-2463" unitRef="usd">8512000000</us-gaap:TierOneRiskBasedCapital>
    <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets
      contextRef="c-498"
      decimals="4"
      id="f-2464"
      unitRef="number">0.0962</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
    <us-gaap:Capital contextRef="c-498" decimals="-6" id="f-2465" unitRef="usd">10415000000</us-gaap:Capital>
    <us-gaap:CapitalToRiskWeightedAssets
      contextRef="c-498"
      decimals="4"
      id="f-2466"
      unitRef="number">0.1177</us-gaap:CapitalToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapital contextRef="c-498" decimals="4" id="f-2467" unitRef="usd">8512000000</us-gaap:TierOneLeverageCapital>
    <us-gaap:TierOneLeverageCapitalToAverageAssets
      contextRef="c-498"
      decimals="4"
      id="f-2468"
      unitRef="number">0.0775</us-gaap:TierOneLeverageCapitalToAverageAssets>
    <us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy contextRef="c-498" decimals="-6" id="f-2469" unitRef="usd">3983000000</us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy>
    <us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum
      contextRef="c-498"
      decimals="4"
      id="f-2470"
      unitRef="number">0.0450</us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum>
    <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy contextRef="c-498" decimals="-6" id="f-2471" unitRef="usd">5310000000</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy>
    <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
      contextRef="c-498"
      decimals="4"
      id="f-2472"
      unitRef="number">0.0600</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
    <us-gaap:CapitalRequiredForCapitalAdequacy contextRef="c-498" decimals="-6" id="f-2473" unitRef="usd">7081000000</us-gaap:CapitalRequiredForCapitalAdequacy>
    <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
      contextRef="c-498"
      decimals="4"
      id="f-2474"
      unitRef="number">0.0800</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy contextRef="c-498" decimals="-6" id="f-2475" unitRef="usd">4392000000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
    <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
      contextRef="c-498"
      decimals="4"
      id="f-2476"
      unitRef="number">0.0400</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
    <fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess contextRef="c-498" decimals="-6" id="f-2477" unitRef="usd">4026000000</fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess>
    <fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio
      contextRef="c-498"
      decimals="4"
      id="f-2478"
      unitRef="number">0.0455</fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio>
    <us-gaap:ExcessTierOneRiskBasedCapital contextRef="c-498" decimals="-6" id="f-2479" unitRef="usd">3202000000</us-gaap:ExcessTierOneRiskBasedCapital>
    <us-gaap:ExcessTierOneLeverageCapitalToAverageAssets
      contextRef="c-498"
      decimals="4"
      id="f-2480"
      unitRef="number">0.0362</us-gaap:ExcessTierOneLeverageCapitalToAverageAssets>
    <us-gaap:ExcessCapital contextRef="c-498" decimals="-6" id="f-2481" unitRef="usd">3334000000</us-gaap:ExcessCapital>
    <us-gaap:ExcessCapitalToRiskWeightedAssets
      contextRef="c-498"
      decimals="4"
      id="f-2482"
      unitRef="number">0.0377</us-gaap:ExcessCapitalToRiskWeightedAssets>
    <us-gaap:ExcessTierOneLeverageCapital contextRef="c-498" decimals="-6" id="f-2483" unitRef="usd">4120000000</us-gaap:ExcessTierOneLeverageCapital>
    <fbc:BankingRegulationTier1LeverageCapitalExcessRatio
      contextRef="c-498"
      decimals="4"
      id="f-2484"
      unitRef="number">0.0375</fbc:BankingRegulationTier1LeverageCapitalExcessRatio>
    <us-gaap:CommonEquityTierOneCapital contextRef="c-499" decimals="-6" id="f-2485" unitRef="usd">6335000000</us-gaap:CommonEquityTierOneCapital>
    <us-gaap:CommonEquityTierOneCapitalRatio
      contextRef="c-499"
      decimals="4"
      id="f-2486"
      unitRef="number">0.0906</us-gaap:CommonEquityTierOneCapitalRatio>
    <us-gaap:TierOneRiskBasedCapital contextRef="c-499" decimals="-6" id="f-2487" unitRef="usd">6838000000</us-gaap:TierOneRiskBasedCapital>
    <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets
      contextRef="c-499"
      decimals="4"
      id="f-2488"
      unitRef="number">0.0978</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
    <us-gaap:Capital contextRef="c-499" decimals="-6" id="f-2489" unitRef="usd">8154000000</us-gaap:Capital>
    <us-gaap:CapitalToRiskWeightedAssets
      contextRef="c-499"
      decimals="4"
      id="f-2490"
      unitRef="number">0.1166</us-gaap:CapitalToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapital contextRef="c-499" decimals="4" id="f-2491" unitRef="usd">6838000000</us-gaap:TierOneLeverageCapital>
    <us-gaap:TierOneLeverageCapitalToAverageAssets
      contextRef="c-499"
      decimals="4"
      id="f-2492"
      unitRef="number">0.0970</us-gaap:TierOneLeverageCapitalToAverageAssets>
    <us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy contextRef="c-499" decimals="-6" id="f-2493" unitRef="usd">3146000000</us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy>
    <us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum
      contextRef="c-499"
      decimals="4"
      id="f-2494"
      unitRef="number">0.0450</us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum>
    <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy contextRef="c-499" decimals="-6" id="f-2495" unitRef="usd">4195000000</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy>
    <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
      contextRef="c-499"
      decimals="4"
      id="f-2496"
      unitRef="number">0.0600</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
    <us-gaap:CapitalRequiredForCapitalAdequacy contextRef="c-499" decimals="-6" id="f-2497" unitRef="usd">5593000000</us-gaap:CapitalRequiredForCapitalAdequacy>
    <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
      contextRef="c-499"
      decimals="4"
      id="f-2498"
      unitRef="number">0.0800</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy contextRef="c-499" decimals="4" id="f-2499" unitRef="usd">2819000000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
    <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
      contextRef="c-499"
      decimals="4"
      id="f-2500"
      unitRef="number">0.0400</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
    <fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess contextRef="c-499" decimals="-6" id="f-2501" unitRef="usd">3189000000</fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess>
    <fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio
      contextRef="c-499"
      decimals="4"
      id="f-2502"
      unitRef="number">0.0456</fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio>
    <us-gaap:ExcessTierOneRiskBasedCapital contextRef="c-499" decimals="-6" id="f-2503" unitRef="usd">2643000000</us-gaap:ExcessTierOneRiskBasedCapital>
    <us-gaap:ExcessTierOneLeverageCapitalToAverageAssets
      contextRef="c-499"
      decimals="4"
      id="f-2504"
      unitRef="number">0.0378</us-gaap:ExcessTierOneLeverageCapitalToAverageAssets>
    <us-gaap:ExcessCapital contextRef="c-499" decimals="-6" id="f-2505" unitRef="usd">2561000000</us-gaap:ExcessCapital>
    <us-gaap:ExcessCapitalToRiskWeightedAssets
      contextRef="c-499"
      decimals="4"
      id="f-2506"
      unitRef="number">0.0366</us-gaap:ExcessCapitalToRiskWeightedAssets>
    <us-gaap:ExcessTierOneLeverageCapital contextRef="c-499" decimals="-6" id="f-2507" unitRef="usd">4019000000</us-gaap:ExcessTierOneLeverageCapital>
    <fbc:BankingRegulationTier1LeverageCapitalExcessRatio
      contextRef="c-499"
      decimals="4"
      id="f-2508"
      unitRef="number">0.0570</fbc:BankingRegulationTier1LeverageCapitalExcessRatio>
    <us-gaap:CommonEquityTierOneCapital contextRef="c-500" decimals="-6" id="f-2509" unitRef="usd">9305000000</us-gaap:CommonEquityTierOneCapital>
    <us-gaap:CommonEquityTierOneCapitalRatio
      contextRef="c-500"
      decimals="4"
      id="f-2510"
      unitRef="number">0.1052</us-gaap:CommonEquityTierOneCapitalRatio>
    <us-gaap:TierOneRiskBasedCapital contextRef="c-500" decimals="-6" id="f-2511" unitRef="usd">9305000000</us-gaap:TierOneRiskBasedCapital>
    <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets
      contextRef="c-500"
      decimals="4"
      id="f-2512"
      unitRef="number">0.1052</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
    <us-gaap:Capital contextRef="c-500" decimals="-6" id="f-2513" unitRef="usd">10271000000</us-gaap:Capital>
    <us-gaap:CapitalToRiskWeightedAssets
      contextRef="c-500"
      decimals="4"
      id="f-2514"
      unitRef="number">0.1161</us-gaap:CapitalToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapital contextRef="c-500" decimals="4" id="f-2515" unitRef="usd">9305000000</us-gaap:TierOneLeverageCapital>
    <us-gaap:TierOneLeverageCapitalToAverageAssets
      contextRef="c-500"
      decimals="4"
      id="f-2516"
      unitRef="number">0.0848</us-gaap:TierOneLeverageCapitalToAverageAssets>
    <us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy contextRef="c-500" decimals="-6" id="f-2517" unitRef="usd">3980000000</us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy>
    <us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum
      contextRef="c-500"
      decimals="4"
      id="f-2518"
      unitRef="number">0.0450</us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum>
    <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy contextRef="c-500" decimals="-6" id="f-2519" unitRef="usd">5307000000</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy>
    <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
      contextRef="c-500"
      decimals="4"
      id="f-2520"
      unitRef="number">0.0600</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
    <us-gaap:CapitalRequiredForCapitalAdequacy contextRef="c-500" decimals="-6" id="f-2521" unitRef="usd">7076000000</us-gaap:CapitalRequiredForCapitalAdequacy>
    <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
      contextRef="c-500"
      decimals="4"
      id="f-2522"
      unitRef="number">0.0800</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy contextRef="c-500" decimals="-6" id="f-2523" unitRef="usd">4389000000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
    <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
      contextRef="c-500"
      decimals="4"
      id="f-2524"
      unitRef="number">0.0400</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
    <fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess contextRef="c-500" decimals="-6" id="f-2525" unitRef="usd">5325000000</fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess>
    <fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio
      contextRef="c-500"
      decimals="4"
      id="f-2526"
      unitRef="number">0.0602</fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio>
    <us-gaap:ExcessTierOneRiskBasedCapital contextRef="c-500" decimals="-6" id="f-2527" unitRef="usd">3998000000</us-gaap:ExcessTierOneRiskBasedCapital>
    <us-gaap:ExcessTierOneLeverageCapitalToAverageAssets
      contextRef="c-500"
      decimals="4"
      id="f-2528"
      unitRef="number">0.0452</us-gaap:ExcessTierOneLeverageCapitalToAverageAssets>
    <us-gaap:ExcessCapital contextRef="c-500" decimals="-6" id="f-2529" unitRef="usd">3195000000</us-gaap:ExcessCapital>
    <us-gaap:ExcessCapitalToRiskWeightedAssets
      contextRef="c-500"
      decimals="4"
      id="f-2530"
      unitRef="number">0.0361</us-gaap:ExcessCapitalToRiskWeightedAssets>
    <us-gaap:ExcessTierOneLeverageCapital contextRef="c-500" decimals="-6" id="f-2531" unitRef="usd">4916000000</us-gaap:ExcessTierOneLeverageCapital>
    <fbc:BankingRegulationTier1LeverageCapitalExcessRatio
      contextRef="c-500"
      decimals="4"
      id="f-2532"
      unitRef="number">0.0448</fbc:BankingRegulationTier1LeverageCapitalExcessRatio>
    <us-gaap:CommonEquityTierOneCapital contextRef="c-501" decimals="-6" id="f-2533" unitRef="usd">7653000000</us-gaap:CommonEquityTierOneCapital>
    <us-gaap:CommonEquityTierOneCapitalRatio
      contextRef="c-501"
      decimals="4"
      id="f-2534"
      unitRef="number">0.1096</us-gaap:CommonEquityTierOneCapitalRatio>
    <us-gaap:TierOneRiskBasedCapital contextRef="c-501" decimals="-6" id="f-2535" unitRef="usd">7653000000</us-gaap:TierOneRiskBasedCapital>
    <us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets
      contextRef="c-501"
      decimals="4"
      id="f-2536"
      unitRef="number">0.1096</us-gaap:TierOneRiskBasedCapitalToRiskWeightedAssets>
    <us-gaap:Capital contextRef="c-501" decimals="-6" id="f-2537" unitRef="usd">7982000000</us-gaap:Capital>
    <us-gaap:CapitalToRiskWeightedAssets
      contextRef="c-501"
      decimals="4"
      id="f-2538"
      unitRef="number">0.1143</us-gaap:CapitalToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapital contextRef="c-501" decimals="4" id="f-2539" unitRef="usd">7653000000</us-gaap:TierOneLeverageCapital>
    <us-gaap:TierOneLeverageCapitalToAverageAssets
      contextRef="c-501"
      decimals="4"
      id="f-2540"
      unitRef="number">0.1087</us-gaap:TierOneLeverageCapitalToAverageAssets>
    <us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy contextRef="c-501" decimals="-6" id="f-2541" unitRef="usd">3142000000</us-gaap:CommonEquityTierOneCapitalRequiredForCapitalAdequacy>
    <us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum
      contextRef="c-501"
      decimals="4"
      id="f-2542"
      unitRef="number">0.0450</us-gaap:BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum>
    <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy contextRef="c-501" decimals="-6" id="f-2543" unitRef="usd">4189000000</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacy>
    <us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
      contextRef="c-501"
      decimals="4"
      id="f-2544"
      unitRef="number">0.0600</us-gaap:TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
    <us-gaap:CapitalRequiredForCapitalAdequacy contextRef="c-501" decimals="-6" id="f-2545" unitRef="usd">5585000000</us-gaap:CapitalRequiredForCapitalAdequacy>
    <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
      contextRef="c-501"
      decimals="4"
      id="f-2546"
      unitRef="number">0.0800</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
    <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy contextRef="c-501" decimals="4" id="f-2547" unitRef="usd">2817000000</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacy>
    <us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
      contextRef="c-501"
      decimals="4"
      id="f-2548"
      unitRef="number">0.0400</us-gaap:TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets>
    <fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess contextRef="c-501" decimals="-6" id="f-2549" unitRef="usd">4511000000</fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcess>
    <fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio
      contextRef="c-501"
      decimals="4"
      id="f-2550"
      unitRef="number">0.0646</fbc:BankingRegulationCommonEquityTier1RiskBasedCapitalExcessRatio>
    <us-gaap:ExcessTierOneRiskBasedCapital contextRef="c-501" decimals="-6" id="f-2551" unitRef="usd">3464000000</us-gaap:ExcessTierOneRiskBasedCapital>
    <us-gaap:ExcessTierOneLeverageCapitalToAverageAssets
      contextRef="c-501"
      decimals="4"
      id="f-2552"
      unitRef="number">0.0496</us-gaap:ExcessTierOneLeverageCapitalToAverageAssets>
    <us-gaap:ExcessCapital contextRef="c-501" decimals="-6" id="f-2553" unitRef="usd">2397000000</us-gaap:ExcessCapital>
    <us-gaap:ExcessCapitalToRiskWeightedAssets
      contextRef="c-501"
      decimals="4"
      id="f-2554"
      unitRef="number">0.0343</us-gaap:ExcessCapitalToRiskWeightedAssets>
    <us-gaap:ExcessTierOneLeverageCapital contextRef="c-501" decimals="-6" id="f-2555" unitRef="usd">4836000000</us-gaap:ExcessTierOneLeverageCapital>
    <fbc:BankingRegulationTier1LeverageCapitalExcessRatio
      contextRef="c-501"
      decimals="4"
      id="f-2556"
      unitRef="number">0.0687</fbc:BankingRegulationTier1LeverageCapitalExcessRatio>
    <us-gaap:ExcessCapitalToRiskWeightedAssets
      contextRef="c-7"
      decimals="INF"
      id="f-2557"
      unitRef="number">0.0377</us-gaap:ExcessCapitalToRiskWeightedAssets>
    <us-gaap:BankingRegulationCapitalConservationBufferCapitalConservedMinimum
      contextRef="c-7"
      decimals="INF"
      id="f-2558"
      unitRef="number">0.0127</us-gaap:BankingRegulationCapitalConservationBufferCapitalConservedMinimum>
    <us-gaap:StockIssuedDuringPeriodSharesNewIssues
      contextRef="c-502"
      decimals="INF"
      id="f-2559"
      unitRef="shares">20600000</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-503"
      decimals="2"
      id="f-2560"
      unitRef="usdPerShare">0.01</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:PreferredStockLiquidationPreference
      contextRef="c-503"
      decimals="INF"
      id="f-2561"
      unitRef="usdPerShare">1.00</us-gaap:PreferredStockLiquidationPreference>
    <fbc:PreferredStockLiquidationPreferencePerDepositaryShare
      contextRef="c-502"
      decimals="INF"
      id="f-2562"
      unitRef="usdPerShare">25</fbc:PreferredStockLiquidationPreferencePerDepositaryShare>
    <us-gaap:PreferredStockDividendRatePercentage
      contextRef="c-502"
      decimals="3"
      id="f-2563"
      unitRef="number">6.375</us-gaap:PreferredStockDividendRatePercentage>
    <fbc:PreferredStockDividendRateBasisSpreadOnVariableRate
      contextRef="c-502"
      decimals="INF"
      id="f-2564"
      unitRef="number">0.03821</fbc:PreferredStockDividendRateBasisSpreadOnVariableRate>
    <us-gaap:StockRepurchaseProgramAuthorizedAmount1 contextRef="c-504" decimals="-6" id="f-2565" unitRef="usd">300000000</us-gaap:StockRepurchaseProgramAuthorizedAmount1>
    <us-gaap:TreasuryStockSharesAcquired contextRef="c-1" decimals="0" id="f-2566" unitRef="shares">30000000</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockAcquiredAverageCostPerShare
      contextRef="c-1"
      decimals="2"
      id="f-2567"
      unitRef="usdPerShare">9.61</us-gaap:TreasuryStockAcquiredAverageCostPerShare>
    <us-gaap:TreasuryStockValueAcquiredCostMethod contextRef="c-1" decimals="-6" id="f-2568" unitRef="usd">286000000</us-gaap:TreasuryStockValueAcquiredCostMethod>
    <us-gaap:TreasuryStockSharesAcquired contextRef="c-9" decimals="0" id="f-2569" unitRef="shares">871710000000</us-gaap:TreasuryStockSharesAcquired>
    <us-gaap:TreasuryStockValueAcquiredCostMethod contextRef="c-9" decimals="-6" id="f-2570" unitRef="usd">8000000</us-gaap:TreasuryStockValueAcquiredCostMethod>
    <us-gaap:FairValueDisclosuresTextBlock contextRef="c-1" id="f-2572">Fair Value Measures&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;GAAP sets forth a definition of fair value, establishes a consistent framework for measuring fair value, and requires disclosure for each major asset and liability category measured at fair value on either a recurring or non-recurring basis. GAAP also clarifies that fair value is an &#x201c;exit&#x201d; price, representing the amount that would be received when selling an asset, or paid when transferring a liability, in an orderly transaction between market participants. Fair value is thus a market-based measurement that should be determined based on assumptions that market participants would use in pricing an asset or liability. As a basis for considering such assumptions, GAAP establishes a three-tier fair value hierarchy, which prioritizes the inputs used in measuring fair value as follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Level 1 &#x2013; Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Level 2 &#x2013; Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt;Level 3 &#x2013; Inputs to the valuation methodology are significant unobservable inputs that reflect a company&#x2019;s own assumptions about the assumptions that market participants use in pricing an asset or liability.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:42.5pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;&#x2022;&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%;padding-left:14.5pt"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A financial instrument&#x2019;s categorization within this valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables present assets and liabilities that were measured at fair value on a recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#x2019;s Consolidated Statements of Condition at those dates: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.099%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets &lt;br/&gt;(Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs&lt;br/&gt;(Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs &lt;br/&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Netting Adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-related Debt Securities Available for Sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage-related debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities Available for Sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total debt securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mutual funds and common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,929&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Residential first mortgage loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (fallout-adjusted)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets at fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (fallout-adjusted)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities at fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.099%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets &lt;br/&gt;(Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs&lt;br/&gt;(Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs &lt;br/&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Netting Adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-related Debt Securities Available for Sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,301&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,301&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage-related debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities Available for Sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,398&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,398&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;361&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;361&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;885&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;885&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total debt securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,573&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mutual funds and common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Residential first mortgage loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (fallout-adjusted)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets at fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (fallout-adjusted)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities at fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company reviews and updates the fair value hierarchy classifications for its assets on a quarterly basis. Changes from one quarter to the next that are related to the observability of inputs for a fair value measurement may result in a reclassification from one hierarchy level to another. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A description of the methods and significant assumptions utilized in estimating the fair values of securities follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government securities and exchange-traded securities. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, models incorporate transaction details such as maturity and cash flow assumptions. Securities valued in this manner would generally be classified within Level 2 of the valuation hierarchy, and primarily include such instruments as mortgage-related and corporate debt securities. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Periodically, the Company uses fair values supplied by independent pricing services to corroborate the fair values derived from the pricing models. In addition, the Company reviews the fair values supplied by independent pricing services, as well as their underlying pricing methodologies, for reasonableness. The Company challenges pricing service valuations that appear to be unusual or unexpected. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;While the Company believes its valuation methods are appropriate, and consistent with those of other market participants, the use of different methodologies or assumptions to determine the fair values of certain financial instruments could result in different estimates of fair values at a reporting date. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Fair Value Measurements Using Significant Unobservable Inputs&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables include a roll forward of the Consolidated Statements of Condition amounts (including the change in fair value) for financial instruments classified by us within Level 3 of the valuation hierarchy:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.016%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.888%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.549%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.110%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.256%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.265%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at Beginning of Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&lt;span style="-sec-ix-hidden:f-2804"&gt;Total Gains / (Losses) Recorded in Earnings (1)&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Purchases / Originations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Settlement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Transfers In (Out)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at End of Year&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014; &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014; &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (net)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Totals&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(128)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;We utilized swaptions, futures, forward agency and loan sales and interest rate swaps to manage the risk associated with mortgage servicing rights and rate lock commitments. Gains and losses for individual lines do not reflect the effect of our risk management activities related to such Level 3 instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Rate lock commitments are reported on a fallout-adjusted basis. Transfers out of Level 3 represent the settlement value of the commitments that are transferred to LHFS, which are classified as Level 2 assets.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables present the quantitative information about recurring Level 3 fair value financial instruments and the fair value measurements as of December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.209%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.747%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.739%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Valuation Technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unobservable Input &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Range &lt;br/&gt;(Weighted Average)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$1,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Option adjusted spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.0% - 21.7% 5.4%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Constant prepayment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;% - 10.0% 7.9%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average cost to service per loan&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$65.0 - $90.0 $69.0&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Constant default rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.10% - 0.30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.2 - 11.8&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Consensus pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Origination pull-through rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;64.30%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:48.95pt;text-indent:-24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.18pt"&gt;Unobservable inputs were weighted by their relative fair value of the instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Assets Measured at Fair Value on a Non-Recurring Basis &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Certain assets are measured at fair value on a non-recurring basis. Such instruments are subject to fair value adjustments under certain circumstances (e.g., when there is evidence of impairment). The following tables present assets that were measured at fair value on a non-recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#x2019;s Consolidated Statements of Condition at those dates: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.209%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.613%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.666%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.128%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.132%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Measurements at December&#160;31, 2023 Using&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Certain impaired loans&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents the fair value of impaired loans, based on the value of the collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.818%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.274%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.062%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Measurements at December&#160;31, 2022 Using&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Certain impaired loans&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents the fair value of impaired loans, based on the value of the collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair values of collateral-dependent impaired loans are determined using various valuation techniques, including consideration of appraised values and other pertinent real estate and other market data. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Other Fair Value Disclosures &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;For the disclosure of fair value information about the Company&#x2019;s on- and off-balance sheet financial instruments, when available, quoted market prices are used as the measure of fair value. In cases where quoted market prices are not available, fair values are based on present-value estimates or other valuation techniques. Such fair values are significantly affected by the assumptions used, the timing of future cash flows, and the discount rate. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Because assumptions are inherently subjective in nature, estimated fair values cannot be substantiated by comparison to independent market quotes. Furthermore, in many cases, the estimated fair values provided would not necessarily be realized in an immediate sale or settlement of such instruments. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables summarize the carrying values, estimated fair values, and fair value measurement levels of financial instruments that were not carried at fair value on the Company&#x2019;s Consolidated Statements of Condition at December&#160;31, 2023 and December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.135%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.749%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.671%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Measurement Using&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Carrying Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;FHLB and FRB stock &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans and leases held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;79,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;79,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59,972&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Borrowed funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Carrying value and estimated fair value are at cost. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Certificates of deposit.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.038%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.022%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Measurement Using&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Carrying Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;FHLB and FRB stock &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans and leases held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65,673&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65,673&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46,211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Borrowed funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Carrying value and estimated fair value are at cost. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Certificates of deposit.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The methods and significant assumptions used to estimate fair values for the Company&#x2019;s financial instruments follow: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Cash and Cash Equivalents &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Cash and cash equivalents include cash and due from banks and federal funds sold. The estimated fair values of cash and cash equivalents are assumed to equal their carrying values, as these financial instruments are either due on demand or have short-term maturities. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Securities &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, pricing models also incorporate transaction details such as maturities and cash flow assumptions. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Federal Home Loan Bank Stock &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Ownership in equity securities of the FHLB is generally restricted and there is no established liquid market for their resale. The carrying amount approximates the fair value. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loans and leases&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company discloses the fair value of loans measured at amortized cost using an exit price notion. The Company determined the fair value on substantially all of its loans for disclosure purposes, on an individual loan basis. The discount rates reflect current market rates for loans with similar terms to borrowers having similar credit quality on an exit price basis. For those loans where a discounted cash flow technique was not considered reliable, the Company used a quoted market price for each individual loan. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;MSRs&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The significant unobservable inputs used in the fair value measurement of the MSRs are option adjusted spreads, prepayment rates and cost to service. Significant increases (decreases) in all three assumptions in isolation result in a significantly lower (higher) fair value measurement. Weighted average life (in years) is used to determine the change in fair value of MSRs. For December&#160;31, 2023, the weighted average life (in years) for the entire  portfolio was 6.83.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Rate lock commitments&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The significant unobservable input used in the fair value measurement of the rate lock commitments is the pull through rate. The pull through rate is a statistical analysis of our actual rate lock fallout history to determine the sensitivity of the residential mortgage loan pipeline compared to interest rate changes and other deterministic values. New market prices are applied based on updated loan characteristics and new fallout ratios (i.e. the inverse of the pull through rate) are applied accordingly. Significant increases (decreases) in the pull through rate in isolation result in a significantly higher (lower) fair value measurement.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Deposits &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair values of deposit liabilities with no stated maturity (i.e., interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts) are equal to the carrying amounts payable on demand. The fair values of CDs represent contractual cash flows, discounted using interest rates currently offered on deposits with similar characteristics and remaining maturities. These estimated fair values do not include the intangible value of core deposit relationships, which comprise a portion of the Company&#x2019;s deposit base. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Borrowed Funds &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated fair value of borrowed funds is based either on bid quotations received from securities dealers or the discounted value of contractual cash flows with interest rates currently in effect for borrowed funds with similar maturities and structures.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Off-Balance Sheet Financial Instruments&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The fair values of commitments to extend credit and unadvanced lines of credit are estimated based on an analysis of the interest rates and fees currently charged to enter into similar transactions, considering the remaining terms of the commitments and the creditworthiness of the potential borrowers. The estimated fair values of such off-balance sheet financial instruments were insignificant at December&#160;31, 2023 and December&#160;31, 2022. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Fair Value Option &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;We elected the fair value option for certain items as discussed throughout the Notes to the Consolidated Financial Statements to more closely align the accounting method with the underlying economic exposure. Interest income on LHFS is accrued on the principal outstanding primarily using the "simple-interest" method.&lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table reflects the change in fair value included in earnings of financial instruments for which the fair value option has been elected:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:72.730%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.619%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on loan sales&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table reflects the difference between the aggregate fair value and aggregate remaining contractual principal balance outstanding for assets and liabilities for which the fair value option has been elected:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.650%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.901%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unpaid Principal Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Over / (Under) UPB&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total non-accrual loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other performing loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other performing loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.902%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unpaid Principal Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Over / (Under) UPB&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other performing loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other performing loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
    <us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock contextRef="c-1" id="f-2573">&lt;div style="margin-top:12pt;text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables present assets and liabilities that were measured at fair value on a recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#x2019;s Consolidated Statements of Condition at those dates: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.099%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets &lt;br/&gt;(Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs&lt;br/&gt;(Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs &lt;br/&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Netting Adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-related Debt Securities Available for Sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,221&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5,162&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;148&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;180&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage-related debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,531&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6,563&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities Available for Sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,609&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;302&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;343&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,384&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total debt securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,145&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mutual funds and common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,929&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,159&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Residential first mortgage loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;770&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;123&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial and industrial loans&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (fallout-adjusted)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets at fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;198&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,957&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,155&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,310&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="padding-left:6pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (fallout-adjusted)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities at fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;92&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;95&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:42.372%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.705%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.427%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:7.099%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="27" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets &lt;br/&gt;(Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs&lt;br/&gt;(Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs &lt;br/&gt;(Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Netting Adjustments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-related Debt Securities Available for Sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE certificates&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,297&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,301&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,301&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;191&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total mortgage-related debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,789&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other Debt Securities Available for Sale:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U. S. Treasury obligations&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;GSE debentures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,398&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,398&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Asset-backed securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;361&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;361&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Municipal bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Corporate bonds&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;885&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;885&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Foreign notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Capital trust notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;90&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other debt securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,784&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4,271&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total debt securities available for sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,573&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,060&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mutual funds and common stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total securities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,587&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Residential first mortgage loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivative assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;182&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Futures&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (fallout-adjusted)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;36&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets at fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,487&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,922&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,451&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Derivative liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage-backed securities forwards&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest rate swaps and swaptions&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (fallout-adjusted)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities at fair value&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;126&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;136&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-505" decimals="-6" id="f-2574" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-506" decimals="-6" id="f-2575" unitRef="usd">1221000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-507" decimals="-6" id="f-2576" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-508" decimals="-6" id="f-2577" unitRef="usd">1221000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-509" decimals="-6" id="f-2578" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-510" decimals="-6" id="f-2579" unitRef="usd">5162000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-511" decimals="-6" id="f-2580" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-512" decimals="-6" id="f-2581" unitRef="usd">5162000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-513" decimals="-6" id="f-2582" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-514" decimals="-6" id="f-2583" unitRef="usd">148000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-515" decimals="-6" id="f-2584" unitRef="usd">32000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-379" decimals="-6" id="f-2585" unitRef="usd">180000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-516" decimals="-6" id="f-2586" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-517" decimals="-6" id="f-2587" unitRef="usd">6531000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-518" decimals="-6" id="f-2588" unitRef="usd">32000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-519" decimals="-6" id="f-2589" unitRef="usd">6563000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-520" decimals="-6" id="f-2590" unitRef="usd">198000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-521" decimals="-6" id="f-2591" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-522" decimals="-6" id="f-2592" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-523" decimals="-6" id="f-2593" unitRef="usd">198000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-524" decimals="-6" id="f-2594" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-525" decimals="-6" id="f-2595" unitRef="usd">1609000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-526" decimals="-6" id="f-2596" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-527" decimals="-6" id="f-2597" unitRef="usd">1609000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-528" decimals="-6" id="f-2598" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-529" decimals="-6" id="f-2599" unitRef="usd">302000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-530" decimals="-6" id="f-2600" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-531" decimals="-6" id="f-2601" unitRef="usd">302000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-532" decimals="-6" id="f-2602" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-533" decimals="-6" id="f-2603" unitRef="usd">6000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-534" decimals="-6" id="f-2604" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-535" decimals="-6" id="f-2605" unitRef="usd">6000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-536" decimals="-6" id="f-2606" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-537" decimals="-6" id="f-2607" unitRef="usd">343000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-538" decimals="-6" id="f-2608" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-539" decimals="-6" id="f-2609" unitRef="usd">343000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-540" decimals="-6" id="f-2610" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-541" decimals="-6" id="f-2611" unitRef="usd">34000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-542" decimals="-6" id="f-2612" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-543" decimals="-6" id="f-2613" unitRef="usd">34000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-544" decimals="-6" id="f-2614" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-545" decimals="-6" id="f-2615" unitRef="usd">90000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-546" decimals="-6" id="f-2616" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-547" decimals="-6" id="f-2617" unitRef="usd">90000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-548" decimals="-6" id="f-2618" unitRef="usd">198000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-549" decimals="-6" id="f-2619" unitRef="usd">2384000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-550" decimals="-6" id="f-2620" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-551" decimals="-6" id="f-2621" unitRef="usd">2582000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-552" decimals="-6" id="f-2622" unitRef="usd">198000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-553" decimals="-6" id="f-2623" unitRef="usd">8915000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-554" decimals="-6" id="f-2624" unitRef="usd">32000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-555" decimals="-6" id="f-2625" unitRef="usd">9145000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-556" decimals="-6" id="f-2626" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-557" decimals="-6" id="f-2627" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-558" decimals="-6" id="f-2628" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-559" decimals="-6" id="f-2629" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-560" decimals="-6" id="f-2630" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-561" decimals="-6" id="f-2631" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-562" decimals="-6" id="f-2632" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-563" decimals="-6" id="f-2633" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:MarketableSecurities contextRef="c-564" decimals="-6" id="f-2634" unitRef="usd">198000000</us-gaap:MarketableSecurities>
    <us-gaap:MarketableSecurities contextRef="c-565" decimals="-6" id="f-2635" unitRef="usd">8929000000</us-gaap:MarketableSecurities>
    <us-gaap:MarketableSecurities contextRef="c-566" decimals="-6" id="f-2636" unitRef="usd">32000000</us-gaap:MarketableSecurities>
    <us-gaap:MarketableSecurities contextRef="c-567" decimals="-6" id="f-2637" unitRef="usd">9159000000</us-gaap:MarketableSecurities>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-568" decimals="-6" id="f-2638" unitRef="usd">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-569" decimals="-6" id="f-2639" unitRef="usd">770000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-570" decimals="-6" id="f-2640" unitRef="usd">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-571" decimals="-6" id="f-2641" unitRef="usd">770000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-572" decimals="-6" id="f-2642" unitRef="usd">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-573" decimals="-6" id="f-2643" unitRef="usd">123000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-574" decimals="-6" id="f-2644" unitRef="usd">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-575" decimals="-6" id="f-2645" unitRef="usd">123000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-576" decimals="-6" id="f-2646" unitRef="usd">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-577" decimals="-6" id="f-2647" unitRef="usd">9000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-578" decimals="-6" id="f-2648" unitRef="usd">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-579" decimals="-6" id="f-2649" unitRef="usd">9000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:DerivativeAssets contextRef="c-580" decimals="-6" id="f-2650" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-581" decimals="-6" id="f-2651" unitRef="usd">115000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-582" decimals="-6" id="f-2652" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-583" decimals="-6" id="f-2653" unitRef="usd">115000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-584" decimals="-6" id="f-2654" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-585" decimals="-6" id="f-2655" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-586" decimals="-6" id="f-2656" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-587" decimals="-6" id="f-2657" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-588" decimals="-6" id="f-2658" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-589" decimals="-6" id="f-2659" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-590" decimals="-6" id="f-2660" unitRef="usd">12000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-591" decimals="-6" id="f-2661" unitRef="usd">12000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-592" decimals="-6" id="f-2662" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-593" decimals="-6" id="f-2663" unitRef="usd">11000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-594" decimals="-6" id="f-2664" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-595" decimals="-6" id="f-2665" unitRef="usd">11000000</us-gaap:DerivativeAssets>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-564" decimals="-6" id="f-2666" unitRef="usd">0</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-565" decimals="-6" id="f-2667" unitRef="usd">0</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-566" decimals="-6" id="f-2668" unitRef="usd">1111000000</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-567" decimals="-6" id="f-2669" unitRef="usd">1111000000</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-564" decimals="-6" id="f-2670" unitRef="usd">198000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-565" decimals="-6" id="f-2671" unitRef="usd">9957000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-566" decimals="-6" id="f-2672" unitRef="usd">1155000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-567" decimals="-6" id="f-2673" unitRef="usd">11310000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:DerivativeLiabilities contextRef="c-592" decimals="-6" id="f-2674" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-593" decimals="-6" id="f-2675" unitRef="usd">32000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-594" decimals="-6" id="f-2676" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-595" decimals="-6" id="f-2677" unitRef="usd">32000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-584" decimals="-6" id="f-2678" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-585" decimals="-6" id="f-2679" unitRef="usd">1000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-586" decimals="-6" id="f-2680" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-587" decimals="-6" id="f-2681" unitRef="usd">1000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-580" decimals="-6" id="f-2682" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-581" decimals="-6" id="f-2683" unitRef="usd">59000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-582" decimals="-6" id="f-2684" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-583" decimals="-6" id="f-2685" unitRef="usd">59000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-588" decimals="-6" id="f-2686" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-589" decimals="-6" id="f-2687" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-590" decimals="-6" id="f-2688" unitRef="usd">3000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-591" decimals="-6" id="f-2689" unitRef="usd">3000000</us-gaap:DerivativeLiabilities>
    <us-gaap:LiabilitiesFairValueDisclosure contextRef="c-564" decimals="-6" id="f-2690" unitRef="usd">0</us-gaap:LiabilitiesFairValueDisclosure>
    <us-gaap:LiabilitiesFairValueDisclosure contextRef="c-565" decimals="-6" id="f-2691" unitRef="usd">92000000</us-gaap:LiabilitiesFairValueDisclosure>
    <us-gaap:LiabilitiesFairValueDisclosure contextRef="c-566" decimals="-6" id="f-2692" unitRef="usd">3000000</us-gaap:LiabilitiesFairValueDisclosure>
    <us-gaap:LiabilitiesFairValueDisclosure contextRef="c-567" decimals="-6" id="f-2693" unitRef="usd">95000000</us-gaap:LiabilitiesFairValueDisclosure>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-596" decimals="-6" id="f-2694" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-597" decimals="-6" id="f-2695" unitRef="usd">1297000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-598" decimals="-6" id="f-2696" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-599" decimals="-6" id="f-2697" unitRef="usd">1297000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-600" decimals="-6" id="f-2698" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-601" decimals="-6" id="f-2699" unitRef="usd">3301000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-602" decimals="-6" id="f-2700" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-603" decimals="-6" id="f-2701" unitRef="usd">3301000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-604" decimals="-6" id="f-2702" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-605" decimals="-6" id="f-2703" unitRef="usd">191000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-606" decimals="-6" id="f-2704" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-607" decimals="-6" id="f-2705" unitRef="usd">191000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-608" decimals="-6" id="f-2706" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-609" decimals="-6" id="f-2707" unitRef="usd">4789000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-610" decimals="-6" id="f-2708" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-611" decimals="-6" id="f-2709" unitRef="usd">4789000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-612" decimals="-6" id="f-2710" unitRef="usd">1487000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-613" decimals="-6" id="f-2711" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-614" decimals="-6" id="f-2712" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-615" decimals="-6" id="f-2713" unitRef="usd">1487000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-616" decimals="-6" id="f-2714" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-617" decimals="-6" id="f-2715" unitRef="usd">1398000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-618" decimals="-6" id="f-2716" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-619" decimals="-6" id="f-2717" unitRef="usd">1398000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-620" decimals="-6" id="f-2718" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-621" decimals="-6" id="f-2719" unitRef="usd">361000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-622" decimals="-6" id="f-2720" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-623" decimals="-6" id="f-2721" unitRef="usd">361000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-624" decimals="-6" id="f-2722" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-625" decimals="-6" id="f-2723" unitRef="usd">30000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-626" decimals="-6" id="f-2724" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-627" decimals="-6" id="f-2725" unitRef="usd">30000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-628" decimals="-6" id="f-2726" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-629" decimals="-6" id="f-2727" unitRef="usd">885000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-630" decimals="-6" id="f-2728" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-631" decimals="-6" id="f-2729" unitRef="usd">885000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-632" decimals="-6" id="f-2730" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-633" decimals="-6" id="f-2731" unitRef="usd">20000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-634" decimals="-6" id="f-2732" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-635" decimals="-6" id="f-2733" unitRef="usd">20000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-636" decimals="-6" id="f-2734" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-637" decimals="-6" id="f-2735" unitRef="usd">90000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-638" decimals="-6" id="f-2736" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-639" decimals="-6" id="f-2737" unitRef="usd">90000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-640" decimals="-6" id="f-2738" unitRef="usd">1487000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-641" decimals="-6" id="f-2739" unitRef="usd">2784000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-642" decimals="-6" id="f-2740" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-643" decimals="-6" id="f-2741" unitRef="usd">4271000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-644" decimals="-6" id="f-2742" unitRef="usd">1487000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-645" decimals="-6" id="f-2743" unitRef="usd">7573000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-646" decimals="-6" id="f-2744" unitRef="usd">0</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-647" decimals="-6" id="f-2745" unitRef="usd">9060000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-648" decimals="-6" id="f-2746" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-649" decimals="-6" id="f-2747" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-650" decimals="-6" id="f-2748" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-651" decimals="-6" id="f-2749" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-652" decimals="-6" id="f-2750" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-653" decimals="-6" id="f-2751" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-654" decimals="-6" id="f-2752" unitRef="usd">0</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent contextRef="c-655" decimals="-6" id="f-2753" unitRef="usd">14000000</us-gaap:EquitySecuritiesFvNiCurrentAndNoncurrent>
    <us-gaap:MarketableSecurities contextRef="c-656" decimals="-6" id="f-2754" unitRef="usd">1487000000</us-gaap:MarketableSecurities>
    <us-gaap:MarketableSecurities contextRef="c-657" decimals="-6" id="f-2755" unitRef="usd">7587000000</us-gaap:MarketableSecurities>
    <us-gaap:MarketableSecurities contextRef="c-658" decimals="-6" id="f-2756" unitRef="usd">0</us-gaap:MarketableSecurities>
    <us-gaap:MarketableSecurities contextRef="c-659" decimals="-6" id="f-2757" unitRef="usd">9074000000</us-gaap:MarketableSecurities>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-660" decimals="-6" id="f-2758" unitRef="usd">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-661" decimals="-6" id="f-2759" unitRef="usd">1115000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-662" decimals="-6" id="f-2760" unitRef="usd">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c-663" decimals="-6" id="f-2761" unitRef="usd">1115000000</us-gaap:LoansHeldForSaleFairValueDisclosure>
    <us-gaap:DerivativeAssets contextRef="c-664" decimals="-6" id="f-2762" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-665" decimals="-6" id="f-2763" unitRef="usd">182000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-666" decimals="-6" id="f-2764" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-667" decimals="-6" id="f-2765" unitRef="usd">182000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-668" decimals="-6" id="f-2766" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-669" decimals="-6" id="f-2767" unitRef="usd">2000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-670" decimals="-6" id="f-2768" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-671" decimals="-6" id="f-2769" unitRef="usd">2000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-672" decimals="-6" id="f-2770" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-673" decimals="-6" id="f-2771" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-674" decimals="-6" id="f-2772" unitRef="usd">9000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-675" decimals="-6" id="f-2773" unitRef="usd">9000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-676" decimals="-6" id="f-2774" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-677" decimals="-6" id="f-2775" unitRef="usd">36000000</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-678" decimals="-6" id="f-2776" unitRef="usd">0</us-gaap:DerivativeAssets>
    <us-gaap:DerivativeAssets contextRef="c-679" decimals="-6" id="f-2777" unitRef="usd">36000000</us-gaap:DerivativeAssets>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-656" decimals="-6" id="f-2778" unitRef="usd">0</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-657" decimals="-6" id="f-2779" unitRef="usd">0</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-658" decimals="-6" id="f-2780" unitRef="usd">1033000000</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-659" decimals="-6" id="f-2781" unitRef="usd">1033000000</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-656" decimals="-6" id="f-2782" unitRef="usd">1487000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-657" decimals="-6" id="f-2783" unitRef="usd">8922000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-658" decimals="-6" id="f-2784" unitRef="usd">1042000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-659" decimals="-6" id="f-2785" unitRef="usd">11451000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:DerivativeLiabilities contextRef="c-676" decimals="-6" id="f-2786" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-677" decimals="-6" id="f-2787" unitRef="usd">61000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-678" decimals="-6" id="f-2788" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-679" decimals="-6" id="f-2789" unitRef="usd">61000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-664" decimals="-6" id="f-2790" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-665" decimals="-6" id="f-2791" unitRef="usd">65000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-666" decimals="-6" id="f-2792" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-667" decimals="-6" id="f-2793" unitRef="usd">65000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-672" decimals="-6" id="f-2794" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-673" decimals="-6" id="f-2795" unitRef="usd">0</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-674" decimals="-6" id="f-2796" unitRef="usd">10000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilities contextRef="c-675" decimals="-6" id="f-2797" unitRef="usd">10000000</us-gaap:DerivativeLiabilities>
    <us-gaap:LiabilitiesFairValueDisclosure contextRef="c-656" decimals="-6" id="f-2798" unitRef="usd">0</us-gaap:LiabilitiesFairValueDisclosure>
    <us-gaap:LiabilitiesFairValueDisclosure contextRef="c-657" decimals="-6" id="f-2799" unitRef="usd">126000000</us-gaap:LiabilitiesFairValueDisclosure>
    <us-gaap:LiabilitiesFairValueDisclosure contextRef="c-658" decimals="-6" id="f-2800" unitRef="usd">10000000</us-gaap:LiabilitiesFairValueDisclosure>
    <us-gaap:LiabilitiesFairValueDisclosure contextRef="c-659" decimals="-6" id="f-2801" unitRef="usd">136000000</us-gaap:LiabilitiesFairValueDisclosure>
    <us-gaap:FairValueMeasurementPolicyPolicyTextBlock contextRef="c-1" id="f-2802">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company reviews and updates the fair value hierarchy classifications for its assets on a quarterly basis. Changes from one quarter to the next that are related to the observability of inputs for a fair value measurement may result in a reclassification from one hierarchy level to another. &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;A description of the methods and significant assumptions utilized in estimating the fair values of securities follows: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities include highly liquid government securities and exchange-traded securities. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;If quoted market prices are not available for a specific security, then fair values are estimated by using pricing models. These pricing models primarily use market-based or independently sourced market parameters as inputs, including, but not limited to, yield curves, interest rates, equity or debt prices, and credit spreads. In addition to observable market information, models incorporate transaction details such as maturity and cash flow assumptions. Securities valued in this manner would generally be classified within Level 2 of the valuation hierarchy, and primarily include such instruments as mortgage-related and corporate debt securities. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Periodically, the Company uses fair values supplied by independent pricing services to corroborate the fair values derived from the pricing models. In addition, the Company reviews the fair values supplied by independent pricing services, as well as their underlying pricing methodologies, for reasonableness. The Company challenges pricing service valuations that appear to be unusual or unexpected. &lt;/span&gt;&lt;/div&gt;While the Company believes its valuation methods are appropriate, and consistent with those of other market participants, the use of different methodologies or assumptions to determine the fair values of certain financial instruments could result in different estimates of fair values at a reporting date.</us-gaap:FairValueMeasurementPolicyPolicyTextBlock>
    <us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock contextRef="c-1" id="f-2803">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables include a roll forward of the Consolidated Statements of Condition amounts (including the change in fair value) for financial instruments classified by us within Level 3 of the valuation hierarchy:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.016%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.888%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.549%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:5.186%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.110%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.256%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:8.265%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at Beginning of Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&lt;span style="-sec-ix-hidden:f-2804"&gt;Total Gains / (Losses) Recorded in Earnings (1)&lt;/span&gt;&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Purchases / Originations&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Sales&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Settlement&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Transfers In (Out)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Balance at End of Year&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Year Ended December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,033&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;208&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014; &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014; &lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,111&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (net)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(49)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;104&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(45)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Totals&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(128)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;312&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(51)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(13)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,152&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;We utilized swaptions, futures, forward agency and loan sales and interest rate swaps to manage the risk associated with mortgage servicing rights and rate lock commitments. Gains and losses for individual lines do not reflect the effect of our risk management activities related to such Level 3 instruments.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Rate lock commitments are reported on a fallout-adjusted basis. Transfers out of Level 3 represent the settlement value of the commitments that are transferred to LHFS, which are classified as Level 2 assets.&lt;/span&gt;&lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-680" decimals="-6" id="f-2805" unitRef="usd">1033000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-681" decimals="-6" id="f-2806" unitRef="usd">-79000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases contextRef="c-681" decimals="-6" id="f-2807" unitRef="usd">208000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales contextRef="c-681" decimals="-6" id="f-2808" unitRef="usd">51000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-681" decimals="-6" id="f-2809" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet contextRef="c-681" decimals="-6" id="f-2810" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-682" decimals="-6" id="f-2811" unitRef="usd">1111000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-683" decimals="-6" id="f-2812" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-684" decimals="-6" id="f-2813" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases contextRef="c-684" decimals="-6" id="f-2814" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales contextRef="c-684" decimals="-6" id="f-2815" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-684" decimals="-6" id="f-2816" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet contextRef="c-684" decimals="-6" id="f-2817" unitRef="usd">32000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-685" decimals="-6" id="f-2818" unitRef="usd">32000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-686" decimals="-6" id="f-2819" unitRef="usd">-1000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-687" decimals="-6" id="f-2820" unitRef="usd">-49000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases contextRef="c-687" decimals="-6" id="f-2821" unitRef="usd">104000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales contextRef="c-687" decimals="-6" id="f-2822" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-687" decimals="-6" id="f-2823" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet contextRef="c-687" decimals="-6" id="f-2824" unitRef="usd">-45000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-688" decimals="-6" id="f-2825" unitRef="usd">9000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-689" decimals="-6" id="f-2826" unitRef="usd">1032000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 contextRef="c-690" decimals="-6" id="f-2827" unitRef="usd">-128000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases contextRef="c-690" decimals="-6" id="f-2828" unitRef="usd">312000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales contextRef="c-690" decimals="-6" id="f-2829" unitRef="usd">51000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements contextRef="c-690" decimals="-6" id="f-2830" unitRef="usd">0</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet contextRef="c-690" decimals="-6" id="f-2831" unitRef="usd">-13000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet>
    <us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue contextRef="c-691" decimals="-6" id="f-2832" unitRef="usd">1152000000</us-gaap:FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue>
    <us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock contextRef="c-1" id="f-2833">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables present the quantitative information about recurring Level 3 fair value financial instruments and the fair value measurements as of December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:23.607%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:6.209%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.198%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:29.747%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:16.739%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Valuation Technique&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unobservable Input &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Range &lt;br/&gt;(Weighted Average)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Mortgage servicing rights&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$1,111&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Option adjusted spread&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.0% - 21.7% 5.4%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Constant prepayment rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;% - 10.0% 7.9%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average cost to service per loan&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$65.0 - $90.0 $69.0&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:21pt"&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Private Label CMOs&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$32&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" rowspan="2" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Discounted cash flows&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Constant default rates&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;0.10% - 0.30%&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Weighted average life&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8.2 - 11.8&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:3pt"&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Rate lock commitments (net)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:right;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$9&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Consensus pricing&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Origination pull-through rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;64.30%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="margin-top:6pt;padding-left:48.95pt;text-indent:-24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:15.18pt"&gt;Unobservable inputs were weighted by their relative fair value of the instruments.&lt;/span&gt;&lt;/div&gt;</us-gaap:FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock>
    <us-gaap:ServicingAssetAtFairValueAmount contextRef="c-566" decimals="-6" id="f-2834" unitRef="usd">1111000000</us-gaap:ServicingAssetAtFairValueAmount>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-692"
      decimals="3"
      id="f-2835"
      unitRef="constant_default_rate_per_loan">0.050</us-gaap:ServicingAssetMeasurementInput>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-693"
      decimals="3"
      id="f-2836"
      unitRef="constant_default_rate_per_loan">0.217</us-gaap:ServicingAssetMeasurementInput>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-694"
      decimals="3"
      id="f-2837"
      unitRef="constant_default_rate_per_loan">0.054</us-gaap:ServicingAssetMeasurementInput>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-695"
      decimals="3"
      id="f-2838"
      unitRef="constant_default_rate_per_loan">0</us-gaap:ServicingAssetMeasurementInput>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-696"
      decimals="3"
      id="f-2839"
      unitRef="constant_default_rate_per_loan">0.100</us-gaap:ServicingAssetMeasurementInput>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-697"
      decimals="3"
      id="f-2840"
      unitRef="constant_default_rate_per_loan">0.079</us-gaap:ServicingAssetMeasurementInput>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-698"
      decimals="3"
      id="f-2841"
      unitRef="constant_default_rate_per_loan">65.0</us-gaap:ServicingAssetMeasurementInput>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-699"
      decimals="3"
      id="f-2842"
      unitRef="constant_default_rate_per_loan">90.0</us-gaap:ServicingAssetMeasurementInput>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-700"
      decimals="3"
      id="f-2843"
      unitRef="constant_default_rate_per_loan">69.0</us-gaap:ServicingAssetMeasurementInput>
    <us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest contextRef="c-515" decimals="-6" id="f-2844" unitRef="usd">32000000</us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-701"
      decimals="3"
      id="f-2845"
      unitRef="constant_default_rate_per_loan">0.0010</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-702"
      decimals="3"
      id="f-2846"
      unitRef="constant_default_rate_per_loan">0.0030</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-703"
      decimals="3"
      id="f-2847"
      unitRef="constant_default_rate_per_loan">0.082</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput
      contextRef="c-704"
      decimals="3"
      id="f-2848"
      unitRef="constant_default_rate_per_loan">0.118</us-gaap:DebtSecuritiesAvailableForSaleMeasurementInput>
    <us-gaap:DerivativeLiabilities contextRef="c-705" decimals="-6" id="f-2849" unitRef="usd">9000000</us-gaap:DerivativeLiabilities>
    <us-gaap:DerivativeLiabilityMeasurementInput
      contextRef="c-706"
      decimals="3"
      id="f-2850"
      unitRef="constant_default_rate_per_loan">0.6430</us-gaap:DerivativeLiabilityMeasurementInput>
    <us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock contextRef="c-1" id="f-2851">The following tables present assets that were measured at fair value on a non-recurring basis as of December&#160;31, 2023 and December&#160;31, 2022, and that were included in the Company&#x2019;s Consolidated Statements of Condition at those dates: &lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:31.209%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:17.613%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.666%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.128%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.132%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Measurements at December&#160;31, 2023 Using&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Certain impaired loans&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;197&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents the fair value of impaired loans, based on the value of the collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:32.818%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.344%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.274%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.062%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Measurements at December&#160;31, 2022 Using&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Fair Value&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Certain impaired loans&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;28&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;69&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents the fair value of impaired loans, based on the value of the collateral.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Represents the fair value of repossessed assets, based on the appraised value of the collateral subsequent to its initial classification as repossessed assets and equity securities without readily determinable fair values.  These equity securities are classified as Level 3 due to the infrequency of the observable prices and/or the restrictions on the shares.&lt;/span&gt;&lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock>
    <fbc:ImpairedLoansFairValueDisclosure contextRef="c-707" decimals="-6" id="f-2852" unitRef="usd">0</fbc:ImpairedLoansFairValueDisclosure>
    <fbc:ImpairedLoansFairValueDisclosure contextRef="c-708" decimals="-6" id="f-2853" unitRef="usd">0</fbc:ImpairedLoansFairValueDisclosure>
    <fbc:ImpairedLoansFairValueDisclosure contextRef="c-709" decimals="-6" id="f-2854" unitRef="usd">197000000</fbc:ImpairedLoansFairValueDisclosure>
    <fbc:ImpairedLoansFairValueDisclosure contextRef="c-710" decimals="-6" id="f-2855" unitRef="usd">197000000</fbc:ImpairedLoansFairValueDisclosure>
    <us-gaap:OtherAssetsFairValueDisclosure contextRef="c-707" decimals="-6" id="f-2856" unitRef="usd">0</us-gaap:OtherAssetsFairValueDisclosure>
    <us-gaap:OtherAssetsFairValueDisclosure contextRef="c-708" decimals="-6" id="f-2857" unitRef="usd">0</us-gaap:OtherAssetsFairValueDisclosure>
    <us-gaap:OtherAssetsFairValueDisclosure contextRef="c-709" decimals="-6" id="f-2858" unitRef="usd">50000000</us-gaap:OtherAssetsFairValueDisclosure>
    <us-gaap:OtherAssetsFairValueDisclosure contextRef="c-710" decimals="-6" id="f-2859" unitRef="usd">50000000</us-gaap:OtherAssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-707" decimals="-6" id="f-2860" unitRef="usd">0</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-708" decimals="-6" id="f-2861" unitRef="usd">0</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-709" decimals="-6" id="f-2862" unitRef="usd">247000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-710" decimals="-6" id="f-2863" unitRef="usd">247000000</us-gaap:AssetsFairValueDisclosure>
    <fbc:ImpairedLoansFairValueDisclosure contextRef="c-711" decimals="-6" id="f-2864" unitRef="usd">0</fbc:ImpairedLoansFairValueDisclosure>
    <fbc:ImpairedLoansFairValueDisclosure contextRef="c-712" decimals="-6" id="f-2865" unitRef="usd">0</fbc:ImpairedLoansFairValueDisclosure>
    <fbc:ImpairedLoansFairValueDisclosure contextRef="c-713" decimals="-6" id="f-2866" unitRef="usd">28000000</fbc:ImpairedLoansFairValueDisclosure>
    <fbc:ImpairedLoansFairValueDisclosure contextRef="c-714" decimals="-6" id="f-2867" unitRef="usd">28000000</fbc:ImpairedLoansFairValueDisclosure>
    <us-gaap:OtherAssetsFairValueDisclosure contextRef="c-711" decimals="-6" id="f-2868" unitRef="usd">0</us-gaap:OtherAssetsFairValueDisclosure>
    <us-gaap:OtherAssetsFairValueDisclosure contextRef="c-712" decimals="-6" id="f-2869" unitRef="usd">0</us-gaap:OtherAssetsFairValueDisclosure>
    <us-gaap:OtherAssetsFairValueDisclosure contextRef="c-713" decimals="-6" id="f-2870" unitRef="usd">41000000</us-gaap:OtherAssetsFairValueDisclosure>
    <us-gaap:OtherAssetsFairValueDisclosure contextRef="c-714" decimals="-6" id="f-2871" unitRef="usd">41000000</us-gaap:OtherAssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-712" decimals="-6" id="f-2872" unitRef="usd">0</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-712" decimals="-6" id="f-2873" unitRef="usd">0</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-713" decimals="-6" id="f-2874" unitRef="usd">69000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:AssetsFairValueDisclosure contextRef="c-714" decimals="-6" id="f-2875" unitRef="usd">69000000</us-gaap:AssetsFairValueDisclosure>
    <us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="c-1" id="f-2876">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables summarize the carrying values, estimated fair values, and fair value measurement levels of financial instruments that were not carried at fair value on the Company&#x2019;s Consolidated Statements of Condition at December&#160;31, 2023 and December&#160;31, 2022: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:33.310%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.135%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.906%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.995%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.749%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.361%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.671%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Measurement Using&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Carrying Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,475&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;FHLB and FRB stock &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,392&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans and leases held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83,627&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;79,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;79,333&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81,526&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;81,247&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;59,972&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,275&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Borrowed funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,082&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Carrying value and estimated fair value are at cost. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Certificates of deposit.&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:34.038%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.022%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:2.438%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.516%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="33" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Measurement Using&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Carrying Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Estimated Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,032&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;FHLB and FRB stock &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,267&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans and leases held for investment, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;68,608&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65,673&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65,673&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial Liabilities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Deposits&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58,721&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;58,479&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;46,211&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12,268&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div style="margin-top:2pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:4.55pt;font-weight:400;line-height:100%;position:relative;top:-2.44pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Borrowed funds&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,332&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,231&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Carrying value and estimated fair value are at cost. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:36pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Interest-bearing checking and money market accounts, savings accounts, and non-interest-bearing accounts. &lt;/span&gt;&lt;/div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;Certificates of deposit.&lt;/span&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-715" decimals="-6" id="f-2877" unitRef="usd">11475000000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-716" decimals="-6" id="f-2878" unitRef="usd">11475000000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-717" decimals="-6" id="f-2879" unitRef="usd">11475000000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-718" decimals="-6" id="f-2880" unitRef="usd">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-719" decimals="-6" id="f-2881" unitRef="usd">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-715" decimals="-6" id="f-2882" unitRef="usd">1392000000</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-716" decimals="-6" id="f-2883" unitRef="usd">1392000000</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-717" decimals="-6" id="f-2884" unitRef="usd">0</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-718" decimals="-6" id="f-2885" unitRef="usd">1392000000</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-719" decimals="-6" id="f-2886" unitRef="usd">0</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-715" decimals="-6" id="f-2887" unitRef="usd">83627000000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-716" decimals="-6" id="f-2888" unitRef="usd">79333000000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-717" decimals="-6" id="f-2889" unitRef="usd">0</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-718" decimals="-6" id="f-2890" unitRef="usd">0</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-719" decimals="-6" id="f-2891" unitRef="usd">79333000000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-715" decimals="-6" id="f-2892" unitRef="usd">81526000000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-716" decimals="-6" id="f-2893" unitRef="usd">81247000000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-717" decimals="-6" id="f-2894" unitRef="usd">59972000000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-718" decimals="-6" id="f-2895" unitRef="usd">21275000000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-719" decimals="-6" id="f-2896" unitRef="usd">0</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:LongTermDebtFairValue contextRef="c-715" decimals="-6" id="f-2897" unitRef="usd">21267000000</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-716" decimals="-6" id="f-2898" unitRef="usd">21082000000</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-717" decimals="-6" id="f-2899" unitRef="usd">0</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-718" decimals="-6" id="f-2900" unitRef="usd">21082000000</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-719" decimals="-6" id="f-2901" unitRef="usd">0</us-gaap:LongTermDebtFairValue>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-720" decimals="-6" id="f-2902" unitRef="usd">2032000000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-721" decimals="-6" id="f-2903" unitRef="usd">2032000000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-722" decimals="-6" id="f-2904" unitRef="usd">2032000000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-723" decimals="-6" id="f-2905" unitRef="usd">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c-724" decimals="-6" id="f-2906" unitRef="usd">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-720" decimals="-6" id="f-2907" unitRef="usd">1267000000</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-721" decimals="-6" id="f-2908" unitRef="usd">1267000000</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-722" decimals="-6" id="f-2909" unitRef="usd">0</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-723" decimals="-6" id="f-2910" unitRef="usd">1267000000</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure contextRef="c-724" decimals="-6" id="f-2911" unitRef="usd">0</fbc:FederalHomeLoanBankAndFederalReserveBankStockFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-720" decimals="-6" id="f-2912" unitRef="usd">68608000000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-721" decimals="-6" id="f-2913" unitRef="usd">65673000000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-722" decimals="-6" id="f-2914" unitRef="usd">0</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-723" decimals="-6" id="f-2915" unitRef="usd">0</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:LoansReceivableFairValueDisclosure contextRef="c-724" decimals="-6" id="f-2916" unitRef="usd">65673000000</us-gaap:LoansReceivableFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-720" decimals="-6" id="f-2917" unitRef="usd">58721000000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-721" decimals="-6" id="f-2918" unitRef="usd">58479000000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-722" decimals="-6" id="f-2919" unitRef="usd">46211000000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-723" decimals="-6" id="f-2920" unitRef="usd">12268000000</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:DepositsFairValueDisclosure contextRef="c-724" decimals="-6" id="f-2921" unitRef="usd">0</us-gaap:DepositsFairValueDisclosure>
    <us-gaap:LongTermDebtFairValue contextRef="c-720" decimals="-6" id="f-2922" unitRef="usd">21332000000</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-721" decimals="-6" id="f-2923" unitRef="usd">21231000000</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-722" decimals="-6" id="f-2924" unitRef="usd">0</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-723" decimals="-6" id="f-2925" unitRef="usd">21231000000</us-gaap:LongTermDebtFairValue>
    <us-gaap:LongTermDebtFairValue contextRef="c-724" decimals="-6" id="f-2926" unitRef="usd">0</us-gaap:LongTermDebtFairValue>
    <us-gaap:ServicingAssetMeasurementInput
      contextRef="c-725"
      decimals="3"
      id="f-2927"
      unitRef="constant_default_rate_per_loan">6.83</us-gaap:ServicingAssetMeasurementInput>
    <fbc:ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock contextRef="c-1" id="f-2928">&lt;div style="margin-top:12pt;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table reflects the change in fair value included in earnings of financial instruments for which the fair value option has been elected:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:72.730%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.619%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.767%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;For the Years Ended December 31, &lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 4.37pt;text-align:left;vertical-align:middle"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net gain on loan sales&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fbc:ScheduleofChangesinFairValueIncludedinEarningsTableTextBlock>
    <us-gaap:FairValueOptionChangesInFairValueGainLoss1 contextRef="c-1" decimals="-6" id="f-2929" unitRef="usd">43000000</us-gaap:FairValueOptionChangesInFairValueGainLoss1>
    <us-gaap:FairValueOptionChangesInFairValueGainLoss1 contextRef="c-137" decimals="-6" id="f-2930" unitRef="usd">8000000</us-gaap:FairValueOptionChangesInFairValueGainLoss1>
    <us-gaap:FairValueOptionQuantitativeDisclosuresTextBlock contextRef="c-1" id="f-2931">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table reflects the difference between the aggregate fair value and aggregate remaining contractual principal balance outstanding for assets and liabilities for which the fair value option has been elected:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.650%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.927%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.901%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2023&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unpaid Principal Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Over / (Under) UPB&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Nonaccrual loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total non-accrual loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other performing loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other performing loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;869&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;894&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;871&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;896&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:57.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.122%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.902%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31, 2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(dollars in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Unpaid Principal Balance&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair Value Over / (Under) UPB&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other performing loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total other performing loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Loans held-for-sale&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loans&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,095&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;20&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FairValueOptionQuantitativeDisclosuresTextBlock>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-726" decimals="-6" id="f-2932" unitRef="usd">2000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-726" decimals="-6" id="f-2933" unitRef="usd">2000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference contextRef="c-726" decimals="-6" id="f-2934" unitRef="usd">0</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-727" decimals="-6" id="f-2935" unitRef="usd">2000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-727" decimals="-6" id="f-2936" unitRef="usd">2000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference contextRef="c-727" decimals="-6" id="f-2937" unitRef="usd">0</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-728" decimals="-6" id="f-2938" unitRef="usd">869000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-728" decimals="-6" id="f-2939" unitRef="usd">894000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference contextRef="c-728" decimals="-6" id="f-2940" unitRef="usd">25000000</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-729" decimals="-6" id="f-2941" unitRef="usd">869000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-729" decimals="-6" id="f-2942" unitRef="usd">894000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference contextRef="c-729" decimals="-6" id="f-2943" unitRef="usd">25000000</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateAmountInNonaccrualStatusAggregatedDifference>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-730" decimals="-6" id="f-2944" unitRef="usd">871000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-730" decimals="-6" id="f-2945" unitRef="usd">896000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference contextRef="c-730" decimals="-6" id="f-2946" unitRef="usd">25000000</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-7" decimals="-6" id="f-2947" unitRef="usd">871000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-7" decimals="-6" id="f-2948" unitRef="usd">871000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-7" decimals="-6" id="f-2949" unitRef="usd">896000000</fbc:FairValueOptionLoansHeldAsAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-7" decimals="-6" id="f-2950" unitRef="usd">896000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference contextRef="c-7" decimals="-6" id="f-2951" unitRef="usd">25000000</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-731" decimals="-6" id="f-2952" unitRef="usd">1095000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-731" decimals="-6" id="f-2953" unitRef="usd">1115000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference contextRef="c-731" decimals="-6" id="f-2954" unitRef="usd">20000000</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-732" decimals="-6" id="f-2955" unitRef="usd">1095000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-732" decimals="-6" id="f-2956" unitRef="usd">1115000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference contextRef="c-732" decimals="-6" id="f-2957" unitRef="usd">20000000</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-733" decimals="-6" id="f-2958" unitRef="usd">1095000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-733" decimals="-6" id="f-2959" unitRef="usd">1115000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference contextRef="c-733" decimals="-6" id="f-2960" unitRef="usd">20000000</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference>
    <fbc:FairValueOptionContractualPrincipalOutstandingAssets contextRef="c-8" decimals="-6" id="f-2961" unitRef="usd">1095000000</fbc:FairValueOptionContractualPrincipalOutstandingAssets>
    <fbc:FairValueOptionLoansHeldAsAssets contextRef="c-8" decimals="-6" id="f-2962" unitRef="usd">1115000000</fbc:FairValueOptionLoansHeldAsAssets>
    <us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference contextRef="c-8" decimals="-6" id="f-2963" unitRef="usd">20000000</us-gaap:FairValueOptionLoansHeldAsAssetsAggregateDifference>
    <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="c-1" id="f-2964">Commitments and Contingencies&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Pledged Assets&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company pledges securities to serve as collateral for its repurchase agreements, among other purposes. We had pledged investment securities of $2.8&#160;billion and $434&#160;million at December&#160;31, 2023 and December&#160;31, 2022, respectively. In addition, the Company had $43.1&#160;billion and $44.5&#160;billion of loans pledged to the FHLB-NY to serve as collateral for its wholesale borrowings at the respective year-ends. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Loan Commitments and Letters of Credit&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In the normal course of business, we have various commitments outstanding which are not included on our Consolidated Statements of Financial Condition. The majority of the outstanding loan commitments were expected to close within 90 days.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s off-balance sheet commitments to originate loans and letters of credit: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.632%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.615%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family and commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family including interest rate locks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,694&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Warehouse loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,964&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial, performance stand-by, and financial stand-by letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;541&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total commitments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Financial Guarantees&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company provides guarantees and indemnifications to its customers to enable them to complete a variety of business transactions and to enhance their credit standings. These guarantees are recorded at their respective fair values in &#x201c;Other liabilities&#x201d; in the Consolidated Statements of Condition. The Company deems the fair value of the guarantees to equal the consideration received.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s guarantees and indemnifications at December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.391%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.350%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.595%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expires Within One Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expires After One Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Outstanding Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Maximum Potential Amount of Future Payments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial stand-by letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;639&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Performance stand-by letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The maximum potential amount of future payments represents the notional amounts that could be funded under the guarantees and indemnifications if there were a total default by the guaranteed parties or if indemnification provisions were triggered, as applicable, without consideration of possible recoveries under recourse provisions or from collateral held or pledged.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company collects fees upon the issuance of commercial and stand-by letters of credit. Stand-by letters of credit fees are initially recorded by the Company as a liability and are recognized as income periodically through the respective expiration dates. Fees for commercial letters of credit are collected and recognized as income at the time that they are issued and upon payment of each set of documents presented. In addition, the Company requires adequate collateral, typically in the form of cash, real property, and/or personal guarantees upon its issuance of irrevocable stand-by letters of credit. Commercial letters of credit are primarily secured by the goods being purchased in the underlying transaction and are also personally guaranteed by the owner(s) of the applicant company.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;At December&#160;31, 2023, the Company had no commitments to purchase securities.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Legal Proceedings&lt;/span&gt;&lt;/div&gt;The Company is involved in various legal actions arising in the ordinary course of its business, including stockholder class and derivative actions. All such actions in the aggregate involve amounts that are believed by management to be immaterial to the financial condition and results of operations of the Company. The outcome of any pending litigation is uncertain. There can be no assurance (i) that we will not incur material losses due to damages, penalties, costs and/or expenses as a result of such litigation, (ii) that the reserves we have established will be sufficient to cover such losses, or (iii) that such losses will not materially exceed such reserves and have a material impact on our financial condition or results of operations. The Company may incur significant legal expenses in defending the litigation described above during the pendency of these matters, and in connection with any other potential cases, including expenses for the potential reimbursement of legal fees of officers and directors under indemnification obligations.</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
    <fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent contextRef="c-734" decimals="-7" id="f-2965" unitRef="usd">2800000000</fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent>
    <fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent contextRef="c-735" decimals="-6" id="f-2966" unitRef="usd">434000000</fbc:DebtSecuritiesAvailableForSaleExcludingInterestAndEquitySecuritiesCurrent>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-734" decimals="-7" id="f-2967" unitRef="usd">43100000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss contextRef="c-735" decimals="-7" id="f-2968" unitRef="usd">44500000000</us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss>
    <us-gaap:OtherCommitmentsTableTextBlock contextRef="c-1" id="f-2969">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s off-balance sheet commitments to originate loans and letters of credit: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:66.632%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.615%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.381%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Multi-family and commercial real estate&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;52&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;216&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;One-to-four family including interest rate locks&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,694&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2,066&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Acquisition, development, and construction&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,926&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3,539&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Warehouse loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,074&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,042&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;11,315&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7,964&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total loan commitments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,061&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;21,827&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial, performance stand-by, and financial stand-by letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;541&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total commitments&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24,976&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22,368&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:OtherCommitmentsTableTextBlock>
    <us-gaap:OtherCommitment contextRef="c-736" decimals="-6" id="f-2970" unitRef="usd">52000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-737" decimals="-6" id="f-2971" unitRef="usd">216000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-738" decimals="-6" id="f-2972" unitRef="usd">1694000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-739" decimals="-6" id="f-2973" unitRef="usd">2066000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-740" decimals="-6" id="f-2974" unitRef="usd">3926000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-741" decimals="-6" id="f-2975" unitRef="usd">3539000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-742" decimals="-6" id="f-2976" unitRef="usd">7074000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-743" decimals="-6" id="f-2977" unitRef="usd">8042000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-744" decimals="-6" id="f-2978" unitRef="usd">11315000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-745" decimals="-6" id="f-2979" unitRef="usd">7964000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-746" decimals="-6" id="f-2980" unitRef="usd">24061000000</us-gaap:OtherCommitment>
    <us-gaap:OtherCommitment contextRef="c-747" decimals="-6" id="f-2981" unitRef="usd">21827000000</us-gaap:OtherCommitment>
    <us-gaap:GuaranteeObligationsMaximumExposure contextRef="c-7" decimals="-6" id="f-2982" unitRef="usd">915000000</us-gaap:GuaranteeObligationsMaximumExposure>
    <us-gaap:GuaranteeObligationsMaximumExposure contextRef="c-8" decimals="-6" id="f-2983" unitRef="usd">541000000</us-gaap:GuaranteeObligationsMaximumExposure>
    <fbc:OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted contextRef="c-7" decimals="-6" id="f-2984" unitRef="usd">24976000000</fbc:OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted>
    <fbc:OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted contextRef="c-8" decimals="-6" id="f-2985" unitRef="usd">22368000000</fbc:OtherCommitmentsAndGuarantorObligationsMaximumExposureUndiscounted>
    <us-gaap:ScheduleOfGuaranteeObligationsTextBlock contextRef="c-1" id="f-2986">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table summarizes the Company&#x2019;s guarantees and indemnifications at December&#160;31, 2023:&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:45.391%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.350%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.595%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.963%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expires Within One Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expires After One Year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total Outstanding Amount&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Maximum Potential Amount of Future Payments&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Financial stand-by letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;254&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;288&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;542&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;639&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Performance stand-by letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;102&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Commercial letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;174&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total letters of credit&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;357&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;290&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;647&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;915&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfGuaranteeObligationsTextBlock>
    <fbc:GuarantorObligationsCurrentCarryingValueCurrent contextRef="c-748" decimals="-6" id="f-2987" unitRef="usd">254000000</fbc:GuarantorObligationsCurrentCarryingValueCurrent>
    <fbc:GuarantorObligationsCurrentCarryingValueNoncurrent contextRef="c-748" decimals="-6" id="f-2988" unitRef="usd">288000000</fbc:GuarantorObligationsCurrentCarryingValueNoncurrent>
    <us-gaap:GuaranteeObligationsCurrentCarryingValue contextRef="c-748" decimals="-6" id="f-2989" unitRef="usd">542000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
    <us-gaap:GuaranteeObligationsMaximumExposure contextRef="c-748" decimals="-6" id="f-2990" unitRef="usd">639000000</us-gaap:GuaranteeObligationsMaximumExposure>
    <fbc:GuarantorObligationsCurrentCarryingValueCurrent contextRef="c-749" decimals="-6" id="f-2991" unitRef="usd">100000000</fbc:GuarantorObligationsCurrentCarryingValueCurrent>
    <fbc:GuarantorObligationsCurrentCarryingValueNoncurrent contextRef="c-749" decimals="-6" id="f-2992" unitRef="usd">2000000</fbc:GuarantorObligationsCurrentCarryingValueNoncurrent>
    <us-gaap:GuaranteeObligationsCurrentCarryingValue contextRef="c-749" decimals="-6" id="f-2993" unitRef="usd">102000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
    <us-gaap:GuaranteeObligationsMaximumExposure contextRef="c-749" decimals="-6" id="f-2994" unitRef="usd">102000000</us-gaap:GuaranteeObligationsMaximumExposure>
    <fbc:GuarantorObligationsCurrentCarryingValueCurrent contextRef="c-750" decimals="-6" id="f-2995" unitRef="usd">3000000</fbc:GuarantorObligationsCurrentCarryingValueCurrent>
    <fbc:GuarantorObligationsCurrentCarryingValueNoncurrent contextRef="c-750" decimals="-6" id="f-2996" unitRef="usd">0</fbc:GuarantorObligationsCurrentCarryingValueNoncurrent>
    <us-gaap:GuaranteeObligationsCurrentCarryingValue contextRef="c-750" decimals="-6" id="f-2997" unitRef="usd">3000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
    <us-gaap:GuaranteeObligationsMaximumExposure contextRef="c-750" decimals="-6" id="f-2998" unitRef="usd">174000000</us-gaap:GuaranteeObligationsMaximumExposure>
    <fbc:GuarantorObligationsCurrentCarryingValueCurrent contextRef="c-7" decimals="-6" id="f-2999" unitRef="usd">357000000</fbc:GuarantorObligationsCurrentCarryingValueCurrent>
    <fbc:GuarantorObligationsCurrentCarryingValueNoncurrent contextRef="c-7" decimals="-6" id="f-3000" unitRef="usd">290000000</fbc:GuarantorObligationsCurrentCarryingValueNoncurrent>
    <us-gaap:GuaranteeObligationsCurrentCarryingValue contextRef="c-7" decimals="-6" id="f-3001" unitRef="usd">647000000</us-gaap:GuaranteeObligationsCurrentCarryingValue>
    <us-gaap:GuaranteeObligationsMaximumExposure contextRef="c-7" decimals="-6" id="f-3002" unitRef="usd">915000000</us-gaap:GuaranteeObligationsMaximumExposure>
    <us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock contextRef="c-1" id="f-3003">Employee Benefits &lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Retirement Plan  &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The New York Community Bancorp, Inc. Retirement Plan (the &#x201c;Retirement Plan&#x201d;) covers substantially all employees who had attained minimum age, service, and employment status requirements prior to the date when the individual plans were frozen by the banks of origin. Once frozen, the individual plans ceased to accrue additional benefits, service, and compensation factors, and became closed to employees who would otherwise have met eligibility requirements after the &#x201c;freeze&#x201d; date.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table sets forth certain information regarding the Retirement Plan as of the dates indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.873%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in Benefit Obligation:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Benefit obligation at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Annuity payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Benefit obligation at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in Plan Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of assets at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actual return (loss) on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Annuity payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of assets at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Funded status (included in &#x201c;Other assets&#x201d;)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Changes recognized in other comprehensive income for the year ended December 31:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of actuarial loss&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net actuarial (gain) loss arising during the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total recognized in other comprehensive income for the year (pre-tax)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accumulated other comprehensive loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial loss, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total accumulated other comprehensive loss (pre-tax)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;In 2024 $3&#160;million of unrecognized net actuarial loss for the Retirement Plan will be amortized from AOCL into net periodic benefit cost, respectively. The comparable amount recognized as net actuarial loss for the Retirement Plan in 2023 was $7&#160;million and no prior service cost was amortized in 2022.  The discount rates used to determine the benefit obligation at &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and 2022 were 4.7 percent and 4.9 percent, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The discount rate reflects rates at which the benefit obligation could be effectively settled. To determine this rate, the Company considers rates of return on high-quality fixed-income investments that are currently available and are expected to be available during the period until the pension benefits are paid. The expected future payments are discounted based on a portfolio of high-quality rated bonds (AA or better) for which the Company relies on the Financial Times Stock Exchange (&#x201c;FTSE&#x201d;) Pension Liability Index that is published as of the measurement date.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The components of net periodic pension (credit) expense were as follows for the years indicated: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.874%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Components of net periodic pension expense (credit):&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expected return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of net actuarial loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net periodic pension credit&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table indicates the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.746%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expected rate of return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The primary long-term objective for the Plan is to maintain assets at a level that will sufficiently cover future beneficiary obligations. A secondary long-term objective is to achieve long-term growth in assets. The Plan will be structured to include a volatility reducing component (the fixed income commitment) and a growth component (the equity commitment).&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;To achieve the Companies (in this context, the "Plan Sponsor") long-term investment objectives, the Trustee will invest the assets of the Plan in a diversified combination of asset classes, investment strategies, and pooled vehicles. The asset allocation guidelines in the table below reflect the plan sponsor&#x2019;s risk tolerance and long-term objectives for the Plan. These parameters will be reviewed on a regular basis and subject to change following discussions between the plan sponsor and the Trustee.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Initially, the following asset allocation targets and ranges will guide the Trustee in structuring the overall allocation in the Plan&#x2019;s investment portfolio. The plan sponsor or the Trustee may amend these allocations to reflect the most appropriate standards consistent with changing circumstances. Any such fundamental amendments in strategy will be discussed between the&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;plan sponsor and the Trustee prior to implementation.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Based on the above considerations, the following asset allocation ranges will be implemented:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;                      &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:39.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.784%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Asset Allocation Parameters by Asset Class&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;Equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Target&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Maximum&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Large-Cap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Mid-Cap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Small-Cap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-U.S.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total - Equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;55%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total - Fixed Income/Cash Equivalents&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;55%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The parameters for each asset class provide the Trustee with the latitude for managing the Plan within a minimum and maximum range. The Trustee will have full discretion to buy, sell, invest and reinvest in these asset segments based on these guidelines which includes allowing the underlying investments to fluctuate within the stated policy ranges. The Plan will maintain a cash equivalents component (not to exceed 3 percent under normal circumstances) within the fixed income allocation for liquidity purposes.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Trustee will monitor the actual asset segment exposures of the Plan on a regular basis and, periodically, may adjust the asset allocation within the ranges set forth above as it deems appropriate. Periodic reallocation of assets will be based on the Trustee&#x2019;s perception of the changing risk/return opportunities of the respective asset classes.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents information about the fair value measurements of the investments held by the Retirement Plan as of &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.350%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.911%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.835%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.279%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Large-cap value &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Large-cap growth&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Large-cap core &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Mid-cap core &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Small-cap core&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;International growth &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(6)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;International value &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(7)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fixed Income Funds:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Intermediate - Core Plus&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (8)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Company common stock&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Common/Collective Trusts-Equity:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Large cap value &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(9)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash Equivalents:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Money market &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(10)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category consists of a mutual fund holding 100-160 stocks, designed to track and outperform the Russell 1000 Value Index. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category consists of two mutual funds which invest primarily in large-cap U.S. - based growth companies, one concentrating on long-term capital growth, the other in long-term capital appreciation and current income.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category contains stocks of the S&amp;amp;P 500 Index. The stocks are maintained in approximately the same weightings as the index. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category contains stocks of the CRSP U.S. Mid Cap Index, a broadly diversified index of stocks of medium-size U.S. companies. The stocks are maintained.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category seeks long-term capital appreciation through investment primarily in common stock of small-capitalization companies, with similar risk levels and characteristics to the Russell 2000 Index.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed and emerging markets.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category invests primarily in medium to large well-established non-US companies. Under normal circumstances, at least 80 percent of total assets will be invested in equity securities, including common stocks, preferred stocks, and convertible securities.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category currently includes equal investments in four mutual funds, seeking to outperform the Bloomberg Barclays U.S. Aggregate Bond Index. Two of the funds hold at least 80 percent in investment grade fixed-income securities while one other holds at least 65 percent; the fourth fund targets investments of 50 percent or more in mortgage-backed securities guaranteed by the US government and its agencies.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:4.68pt"&gt;This category consists of a money market fund and is used for liquidity purposes.&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Current Asset Allocation&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The asset allocations for the Retirement Plan were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.357%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.411%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Determination of Long-Term Rate of Return&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The long-term rate of return on Retirement Plan assets assumption was based on historical returns earned by equities and fixed income securities, and adjusted to reflect expectations of future returns as applied to the Retirement Plan&#x2019;s target allocation of asset classes. Equities and fixed income securities were assumed to earn long-term rates of return in the ranges of 6 percent to 8 percent and 3 percent to 5 percent, respectively, with an assumed long-term inflation rate of 2.5 percent reflected within these ranges. When these overall return expectations are applied to the Retirement Plan&#x2019;s target allocations, the result is an expected rate of return of 5 percent to 7 percent.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Expected Contributions&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company does not expect to contribute to the Retirement Plan in 2023.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Expected Future Annuity Payments&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following annuity payments, which reflect expected future service, as appropriate, are expected to be paid by the Retirement Plan during the years indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:83.402%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.398%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2029 and thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Qualified Savings Plan (401(k) Plan)&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company maintains a defined contribution qualified savings plan in the form of a 401(k) plan in which all salaried employees are able to participate after one month of service and having attained age 21. The Company instituted a safe harbor matching contribution program during the year ended December 31, 2020, and accordingly, the Company matches a portion of employee 401(k) plan contributions. Such expense totaled $21&#160;million and $7&#160;million for the year ended &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;2022&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;, respectively. Flagstar also maintains a defined contribution qualified savings plan in the form of a 401(k) plan in which certain employees are able to participate.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%;text-decoration:underline"&gt;Post-Retirement Health and Welfare Benefits&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company offers certain post-retirement benefits, including medical, dental, and life insurance (the &#x201c;Health &amp;amp; Welfare Plan&#x201d;) to retired employees, depending on age and years of service at the time of retirement. The costs of such benefits are accrued during the years that an employee renders the necessary service.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Health &amp;amp; Welfare Plan is an unfunded plan and is not expected to hold assets for investment at any time. Any contributions made to the Health &amp;amp; Welfare Plan are used to immediately pay plan premiums and claims as they come due. &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table sets forth certain information regarding the Health &amp;amp; Welfare Plan as of the dates indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.689%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.712%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.715%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in benefit obligation:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Benefit obligation at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Premiums and claims paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Benefit obligation at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in plan assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of assets at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Employer contribution&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Premiums and claims paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of assets at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Funded status (included in &#x201c;Other liabilities&#x201d;)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Changes recognized in other comprehensive income for the year ended December 31:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of prior service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of actuarial gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net actuarial (gain) loss arising during the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total recognized in other comprehensive income for the year (pre-tax)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accumulated other comprehensive (gain) loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Prior service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial (gain) loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total accumulated other comprehensive income (pre-tax)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The discount rates used in the preceding table were 4.6 percent at &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and 4.8 percent at December&#160;31, 2022.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The estimated net actuarial loss and the prior service liability that will be amortized from AOCL into net periodic benefit cost in 2024 are less than $1&#160;million, respectively.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The net periodic benefit costs and all components thereof for the years-ended &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; and 2022 were less than $1&#160;million.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.038%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.8%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.3%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current medical trend rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ultimate trend rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year when ultimate trend rate will be reached&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Expected Contributions&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The Company expects to contribute $1&#160;million to the Health &amp;amp; Welfare Plan to pay premiums and claims in the fiscal year ending &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;. &lt;/span&gt;&lt;/div&gt;&lt;div style="margin-top:12pt;text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt;Expected Future Payments for Premiums and Claims&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:700;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following amounts are currently expected to be paid for premiums and claims during the years indicated under the Health &amp;amp; Welfare Plan: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2029 and thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
    <us-gaap:ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock contextRef="c-1" id="f-3004">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table sets forth certain information regarding the Retirement Plan as of the dates indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:76.400%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.873%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in Benefit Obligation:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Benefit obligation at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(38)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Annuity payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Benefit obligation at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;115&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;116&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in Plan Assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of assets at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;283&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actual return (loss) on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;33&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(47)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Annuity payments&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Settlements&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of assets at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;228&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Funded status (included in &#x201c;Other assets&#x201d;)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;138&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;112&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Changes recognized in other comprehensive income for the year ended December 31:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of actuarial loss&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net actuarial (gain) loss arising during the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;26&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total recognized in other comprehensive income for the year (pre-tax)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(25)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;24&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accumulated other comprehensive loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial loss, net&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total accumulated other comprehensive loss (pre-tax)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;41&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;66&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ChangesInProjectedBenefitObligationsFairValueOfPlanAssetsAndFundedStatusOfPlanTableTextBlock>
    <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c-751" decimals="-6" id="f-3005" unitRef="usd">116000000</us-gaap:DefinedBenefitPlanBenefitObligation>
    <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c-752" decimals="-6" id="f-3006" unitRef="usd">158000000</us-gaap:DefinedBenefitPlanBenefitObligation>
    <us-gaap:DefinedBenefitPlanInterestCost contextRef="c-753" decimals="-6" id="f-3007" unitRef="usd">5000000</us-gaap:DefinedBenefitPlanInterestCost>
    <us-gaap:DefinedBenefitPlanInterestCost contextRef="c-754" decimals="-6" id="f-3008" unitRef="usd">4000000</us-gaap:DefinedBenefitPlanInterestCost>
    <us-gaap:DefinedBenefitPlanActuarialGainLoss contextRef="c-753" decimals="-6" id="f-3009" unitRef="usd">2000000</us-gaap:DefinedBenefitPlanActuarialGainLoss>
    <us-gaap:DefinedBenefitPlanActuarialGainLoss contextRef="c-754" decimals="-6" id="f-3010" unitRef="usd">-38000000</us-gaap:DefinedBenefitPlanActuarialGainLoss>
    <us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid contextRef="c-753" decimals="-6" id="f-3011" unitRef="usd">7000000</us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid>
    <us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid contextRef="c-754" decimals="-6" id="f-3012" unitRef="usd">7000000</us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid>
    <us-gaap:DefinedBenefitPlanSettlementsBenefitObligation contextRef="c-753" decimals="-6" id="f-3013" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanSettlementsBenefitObligation>
    <us-gaap:DefinedBenefitPlanSettlementsBenefitObligation contextRef="c-754" decimals="-6" id="f-3014" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanSettlementsBenefitObligation>
    <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c-755" decimals="-6" id="f-3015" unitRef="usd">115000000</us-gaap:DefinedBenefitPlanBenefitObligation>
    <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c-751" decimals="-6" id="f-3016" unitRef="usd">116000000</us-gaap:DefinedBenefitPlanBenefitObligation>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-751" decimals="-6" id="f-3017" unitRef="usd">228000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-752" decimals="-6" id="f-3018" unitRef="usd">283000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets contextRef="c-753" decimals="-6" id="f-3019" unitRef="usd">33000000</us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets>
    <us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets contextRef="c-754" decimals="-6" id="f-3020" unitRef="usd">-47000000</us-gaap:DefinedBenefitPlanActualReturnOnPlanAssets>
    <us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid contextRef="c-753" decimals="-6" id="f-3021" unitRef="usd">7000000</us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid>
    <us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid contextRef="c-754" decimals="-6" id="f-3022" unitRef="usd">7000000</us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid>
    <us-gaap:DefinedBenefitPlanSettlementsPlanAssets contextRef="c-753" decimals="-6" id="f-3023" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanSettlementsPlanAssets>
    <us-gaap:DefinedBenefitPlanSettlementsPlanAssets contextRef="c-754" decimals="-6" id="f-3024" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanSettlementsPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-755" decimals="-6" id="f-3025" unitRef="usd">253000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-751" decimals="-6" id="f-3026" unitRef="usd">228000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFundedStatusOfPlan contextRef="c-755" decimals="-6" id="f-3027" unitRef="usd">138000000</us-gaap:DefinedBenefitPlanFundedStatusOfPlan>
    <us-gaap:DefinedBenefitPlanFundedStatusOfPlan contextRef="c-751" decimals="-6" id="f-3028" unitRef="usd">112000000</us-gaap:DefinedBenefitPlanFundedStatusOfPlan>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax contextRef="c-753" decimals="-6" id="f-3029" unitRef="usd">7000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax contextRef="c-754" decimals="-6" id="f-3030" unitRef="usd">2000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax contextRef="c-753" decimals="-6" id="f-3031" unitRef="usd">-18000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax contextRef="c-754" decimals="-6" id="f-3032" unitRef="usd">26000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax contextRef="c-753" decimals="-6" id="f-3033" unitRef="usd">-25000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax contextRef="c-754" decimals="-6" id="f-3034" unitRef="usd">24000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax contextRef="c-755" decimals="-6" id="f-3035" unitRef="usd">41000000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax contextRef="c-751" decimals="-6" id="f-3036" unitRef="usd">66000000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax contextRef="c-755" decimals="-6" id="f-3037" unitRef="usd">41000000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax contextRef="c-751" decimals="-6" id="f-3038" unitRef="usd">66000000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax>
    <us-gaap:DefinedBenefitPlanExpectedAmortizationNextFiscalYear contextRef="c-755" decimals="-6" id="f-3039" unitRef="usd">3000000</us-gaap:DefinedBenefitPlanExpectedAmortizationNextFiscalYear>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax contextRef="c-753" decimals="-6" id="f-3040" unitRef="usd">7000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax contextRef="c-754" decimals="INF" id="f-3041" unitRef="usd">0</us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
      contextRef="c-755"
      decimals="3"
      id="f-3042"
      unitRef="number">4.7</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
      contextRef="c-751"
      decimals="4"
      id="f-3043"
      unitRef="number">4.9</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate>
    <us-gaap:ScheduleOfNetBenefitCostsTableTextBlock contextRef="c-1" id="f-3044">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The components of net periodic pension (credit) expense were as follows for the years indicated: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.872%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.355%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.874%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Components of net periodic pension expense (credit):&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expected return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(14)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt 2px 11pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of net actuarial loss&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net periodic pension credit&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(10)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(5)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfNetBenefitCostsTableTextBlock>
    <us-gaap:DefinedBenefitPlanInterestCost contextRef="c-753" decimals="-6" id="f-3045" unitRef="usd">5000000</us-gaap:DefinedBenefitPlanInterestCost>
    <us-gaap:DefinedBenefitPlanInterestCost contextRef="c-754" decimals="-6" id="f-3046" unitRef="usd">4000000</us-gaap:DefinedBenefitPlanInterestCost>
    <us-gaap:DefinedBenefitPlanInterestCost contextRef="c-756" decimals="-6" id="f-3047" unitRef="usd">4000000</us-gaap:DefinedBenefitPlanInterestCost>
    <us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets contextRef="c-753" decimals="-6" id="f-3048" unitRef="usd">14000000</us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets>
    <us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets contextRef="c-754" decimals="-6" id="f-3049" unitRef="usd">16000000</us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets>
    <us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets contextRef="c-756" decimals="-6" id="f-3050" unitRef="usd">16000000</us-gaap:DefinedBenefitPlanExpectedReturnOnPlanAssets>
    <us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses contextRef="c-753" decimals="-6" id="f-3051" unitRef="usd">-7000000</us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses>
    <us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses contextRef="c-754" decimals="-6" id="f-3052" unitRef="usd">-2000000</us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses>
    <us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses contextRef="c-756" decimals="-6" id="f-3053" unitRef="usd">-7000000</us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses>
    <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c-753" decimals="-6" id="f-3054" unitRef="usd">-2000000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
    <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c-754" decimals="-6" id="f-3055" unitRef="usd">-10000000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
    <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c-756" decimals="-6" id="f-3056" unitRef="usd">-5000000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
    <us-gaap:ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock contextRef="c-1" id="f-3057">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table indicates the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:62.788%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.449%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.746%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.9&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Expected rate of return on plan assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.0&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.3&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table sets forth certain information regarding the Health &amp;amp; Welfare Plan as of the dates indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.689%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.712%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.715%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in benefit obligation:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Benefit obligation at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Interest cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Premiums and claims paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Benefit obligation at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in plan assets:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of assets at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Employer contribution&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Premiums and claims paid&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fair value of assets at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Funded status (included in &#x201c;Other liabilities&#x201d;)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(8)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(7)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Changes recognized in other comprehensive income for the year ended December 31:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of prior service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Amortization of actuarial gain&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net actuarial (gain) loss arising during the year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total recognized in other comprehensive income for the year (pre-tax)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Accumulated other comprehensive (gain) loss (pre-tax) not yet recognized in net periodic benefit cost at December 31:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Prior service cost&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Actuarial (gain) loss, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total accumulated other comprehensive income (pre-tax)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(1)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(2)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents the weighted average assumptions used in determining the net periodic benefit cost for the years indicated: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.038%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.152%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Discount rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;4.8%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.3%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2.0%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Current medical trend rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.5&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6.5&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Ultimate trend rate&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5.0&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Year when ultimate trend rate will be reached&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2029&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 4.37pt 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfBenefitObligationsInExcessOfFairValueOfPlanAssetsTableTextBlock>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
      contextRef="c-753"
      decimals="3"
      id="f-3058"
      unitRef="number">0.049</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
      contextRef="c-754"
      decimals="3"
      id="f-3059"
      unitRef="number">0.026</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
      contextRef="c-756"
      decimals="3"
      id="f-3060"
      unitRef="number">0.022</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
      contextRef="c-753"
      decimals="3"
      id="f-3061"
      unitRef="number">0.063</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
      contextRef="c-754"
      decimals="3"
      id="f-3062"
      unitRef="number">0.060</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
      contextRef="c-756"
      decimals="3"
      id="f-3063"
      unitRef="number">0.063</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
    <us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock contextRef="c-1" id="f-3064">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;Based on the above considerations, the following asset allocation ranges will be implemented:&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;                      &lt;/span&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:39.250%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.783%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:18.784%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:700;line-height:100%"&gt;Asset Allocation Parameters by Asset Class&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline"&gt;Equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Minimum&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Target&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div style="text-align:center"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Maximum&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Large-Cap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;27%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Mid-Cap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;U.S. Small-Cap&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Non-U.S.&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total - Equity&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;55%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="height:12pt"&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total - Fixed Income/Cash Equivalents&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;35%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;45%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-bottom:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;55%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following table presents information about the fair value measurements of the investments held by the Retirement Plan as of &lt;/span&gt;&lt;span style="background-color:#ffffff;color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;December&#160;31, 2023&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:37.350%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:11.911%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.835%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.373%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.384%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.279%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Quoted Prices in Active Markets for Identical Assets (Level 1)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Other Observable Inputs (Level 2)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Significant Unobservable Inputs (Level 3)&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Large-cap value &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(1)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;12&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Large-cap growth&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (2)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;22&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Large-cap core &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(3)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;17&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Mid-cap core &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(4)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;15&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Small-cap core&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (5)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;16&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;International growth &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(6)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;18&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;International value &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(7)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;10&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Fixed Income Funds:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;td colspan="3" style="display:none"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Intermediate - Core Plus&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt; (8)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;98&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity Securities:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Company common stock&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;31&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Common/Collective Trusts-Equity:&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Large cap value &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(9)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash Equivalents:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#160;&#160;Money market &lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline"&gt;(10)&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;253&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;240&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;13&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:top"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(1)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category consists of a mutual fund holding 100-160 stocks, designed to track and outperform the Russell 1000 Value Index. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(2)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category consists of two mutual funds which invest primarily in large-cap U.S. - based growth companies, one concentrating on long-term capital growth, the other in long-term capital appreciation and current income.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(3)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category contains stocks of the S&amp;amp;P 500 Index. The stocks are maintained in approximately the same weightings as the index. &lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(4)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category contains stocks of the CRSP U.S. Mid Cap Index, a broadly diversified index of stocks of medium-size U.S. companies. The stocks are maintained.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(5)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category seeks long-term capital appreciation through investment primarily in common stock of small-capitalization companies, with similar risk levels and characteristics to the Russell 2000 Index.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(6)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category consists of investments with long-term growth potential located primarily in Europe, the Pacific Basin, and other developed and emerging markets.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(7)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category invests primarily in medium to large well-established non-US companies. Under normal circumstances, at least 80 percent of total assets will be invested in equity securities, including common stocks, preferred stocks, and convertible securities.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(8)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category currently includes equal investments in four mutual funds, seeking to outperform the Bloomberg Barclays U.S. Aggregate Bond Index. Two of the funds hold at least 80 percent in investment grade fixed-income securities while one other holds at least 65 percent; the fourth fund targets investments of 50 percent or more in mortgage-backed securities guaranteed by the US government and its agencies.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(9)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8.68pt"&gt;This category contains large-cap stocks with above-average yield. The portfolio typically holds between 60 and 70 stocks.&lt;/span&gt;&lt;/div&gt;&lt;div style="padding-left:18pt;text-align:justify;text-indent:-18pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%"&gt;(10)&lt;/span&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:4.68pt"&gt;This category consists of a money market fund and is used for liquidity purposes.&lt;/span&gt;&lt;/div&gt;</us-gaap:ScheduleOfAllocationOfPlanAssetsTableTextBlock>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-757"
      id="f-3065"
      unitRef="number"
      xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-758"
      decimals="INF"
      id="f-3066"
      unitRef="number">0.27</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-759"
      id="f-3067"
      unitRef="number"
      xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-760"
      id="f-3068"
      unitRef="number"
      xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-761"
      decimals="INF"
      id="f-3069"
      unitRef="number">0.07</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-762"
      id="f-3070"
      unitRef="number"
      xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-763"
      id="f-3071"
      unitRef="number"
      xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-764"
      decimals="INF"
      id="f-3072"
      unitRef="number">0.07</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-765"
      id="f-3073"
      unitRef="number"
      xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-766"
      id="f-3074"
      unitRef="number"
      xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-767"
      decimals="INF"
      id="f-3075"
      unitRef="number">0.14</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-768"
      id="f-3076"
      unitRef="number"
      xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-769"
      decimals="INF"
      id="f-3077"
      unitRef="number">0.45</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-770"
      decimals="INF"
      id="f-3078"
      unitRef="number">0.55</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-771"
      decimals="INF"
      id="f-3079"
      unitRef="number">0.65</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-772"
      decimals="INF"
      id="f-3080"
      unitRef="number">0.35</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-773"
      decimals="INF"
      id="f-3081"
      unitRef="number">0.45</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage
      contextRef="c-774"
      decimals="INF"
      id="f-3082"
      unitRef="number">0.55</us-gaap:DefinedBenefitPlanPlanAssetsTargetAllocationPercentage>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-775" decimals="-6" id="f-3083" unitRef="usd">12000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-776" decimals="-6" id="f-3084" unitRef="usd">12000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-777" decimals="-6" id="f-3085" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-778" decimals="-6" id="f-3086" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-779" decimals="-6" id="f-3087" unitRef="usd">22000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-780" decimals="-6" id="f-3088" unitRef="usd">22000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-781" decimals="-6" id="f-3089" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-782" decimals="-6" id="f-3090" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-783" decimals="-6" id="f-3091" unitRef="usd">17000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-784" decimals="-6" id="f-3092" unitRef="usd">17000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-785" decimals="-6" id="f-3093" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-786" decimals="-6" id="f-3094" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-787" decimals="-6" id="f-3095" unitRef="usd">15000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-788" decimals="-6" id="f-3096" unitRef="usd">15000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-789" decimals="-6" id="f-3097" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-790" decimals="-6" id="f-3098" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-791" decimals="-6" id="f-3099" unitRef="usd">16000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-792" decimals="-6" id="f-3100" unitRef="usd">16000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-793" decimals="-6" id="f-3101" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-794" decimals="-6" id="f-3102" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-795" decimals="-6" id="f-3103" unitRef="usd">18000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-796" decimals="-6" id="f-3104" unitRef="usd">18000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-797" decimals="-6" id="f-3105" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-798" decimals="-6" id="f-3106" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-799" decimals="-6" id="f-3107" unitRef="usd">10000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-800" decimals="-6" id="f-3108" unitRef="usd">10000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-801" decimals="-6" id="f-3109" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-802" decimals="-6" id="f-3110" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-803" decimals="-6" id="f-3111" unitRef="usd">98000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-804" decimals="-6" id="f-3112" unitRef="usd">98000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-805" decimals="-6" id="f-3113" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-806" decimals="-6" id="f-3114" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-807" decimals="-6" id="f-3115" unitRef="usd">31000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-808" decimals="-6" id="f-3116" unitRef="usd">31000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-809" decimals="-6" id="f-3117" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-810" decimals="-6" id="f-3118" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-811" decimals="-6" id="f-3119" unitRef="usd">13000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-812" decimals="-6" id="f-3120" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-813" decimals="-6" id="f-3121" unitRef="usd">13000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-814" decimals="-6" id="f-3122" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-815" decimals="-6" id="f-3123" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-816" decimals="-6" id="f-3124" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-817" id="f-3125" unitRef="usd" xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-818" decimals="-6" id="f-3126" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-755" decimals="-6" id="f-3127" unitRef="usd">253000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-819" decimals="-6" id="f-3128" unitRef="usd">240000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-820" decimals="-6" id="f-3129" unitRef="usd">13000000</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-821" decimals="-6" id="f-3130" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <fbc:DefinedBenefitPlanPlanAssetsShares
      contextRef="c-822"
      decimals="0"
      id="f-3131"
      unitRef="shares">100</fbc:DefinedBenefitPlanPlanAssetsShares>
    <fbc:DefinedBenefitPlanPlanAssetsShares
      contextRef="c-823"
      decimals="0"
      id="f-3132"
      unitRef="shares">160</fbc:DefinedBenefitPlanPlanAssetsShares>
    <us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage
      contextRef="c-824"
      decimals="2"
      id="f-3133"
      unitRef="number">80</us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage
      contextRef="c-825"
      decimals="2"
      id="f-3134"
      unitRef="number">80</us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage
      contextRef="c-826"
      decimals="2"
      id="f-3135"
      unitRef="number">65</us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage>
    <us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage
      contextRef="c-827"
      decimals="3"
      id="f-3136"
      unitRef="number">50</us-gaap:DefinedBenefitPlanPlanAssetsInvestmentWithinPlanAssetCategoryPercentage>
    <fbc:DefinedBenefitPlanPlanAssetsShares
      contextRef="c-828"
      decimals="0"
      id="f-3137"
      unitRef="shares">60</fbc:DefinedBenefitPlanPlanAssetsShares>
    <fbc:DefinedBenefitPlanPlanAssetsShares
      contextRef="c-829"
      decimals="0"
      id="f-3138"
      unitRef="shares">70</fbc:DefinedBenefitPlanPlanAssetsShares>
    <us-gaap:DefinedBenefitPlanPlanAssetsAllocationTableTextBlock contextRef="c-1" id="f-3139">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The asset allocations for the Retirement Plan were as follows: &lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:71.462%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.270%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.357%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:12.411%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="background-color:#ffffff;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;61&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;60&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Debt securities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;38&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;100&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;%&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DefinedBenefitPlanPlanAssetsAllocationTableTextBlock>
    <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations
      contextRef="c-770"
      decimals="3"
      id="f-3140"
      unitRef="number">0.61</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
    <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations
      contextRef="c-830"
      decimals="4"
      id="f-3141"
      unitRef="number">0.60</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
    <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations
      contextRef="c-831"
      decimals="3"
      id="f-3142"
      unitRef="number">0.39</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
    <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations
      contextRef="c-832"
      decimals="4"
      id="f-3143"
      unitRef="number">0.38</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
    <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations
      contextRef="c-815"
      decimals="3"
      id="f-3144"
      unitRef="number">0</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
    <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations
      contextRef="c-833"
      decimals="4"
      id="f-3145"
      unitRef="number">0.02</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
    <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations
      contextRef="c-755"
      decimals="3"
      id="f-3146"
      unitRef="number">1</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
    <us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations
      contextRef="c-751"
      decimals="1"
      id="f-3147"
      unitRef="number">1</us-gaap:DefinedBenefitPlanWeightedAverageAssetAllocations>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
      contextRef="c-834"
      decimals="2"
      id="f-3148"
      unitRef="number">0.06</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
      contextRef="c-835"
      decimals="2"
      id="f-3149"
      unitRef="number">0.08</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
      contextRef="c-836"
      decimals="2"
      id="f-3150"
      unitRef="number">0.03</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets
      contextRef="c-837"
      decimals="2"
      id="f-3151"
      unitRef="number">0.05</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostExpectedLongTermReturnOnAssets>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease
      contextRef="c-753"
      decimals="3"
      id="f-3152"
      unitRef="number">0.025</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostRateOfCompensationIncrease>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets
      contextRef="c-838"
      decimals="2"
      id="f-3153"
      unitRef="number">0.05</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets
      contextRef="c-839"
      decimals="2"
      id="f-3154"
      unitRef="number">0.07</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostChangeDueToSubsequentInterimMeasurementWeightedAverageExpectedLongTermRateOfReturnOnPlanAssets>
    <us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock contextRef="c-1" id="f-3155">&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following annuity payments, which reflect expected future service, as appropriate, are expected to be paid by the Retirement Plan during the years indicated: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:83.402%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:14.398%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2029 and thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;43&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;83&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify;text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following amounts are currently expected to be paid for premiums and claims during the years indicated under the Health &amp;amp; Welfare Plan: &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:82.426%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:15.374%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2024&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2025&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2026&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2027&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2028&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2029 and thereafter&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;7&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:2.5pt double #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfExpectedBenefitPaymentsTableTextBlock>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths contextRef="c-755" decimals="-6" id="f-3156" unitRef="usd">8000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo contextRef="c-755" decimals="-6" id="f-3157" unitRef="usd">8000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree contextRef="c-755" decimals="-6" id="f-3158" unitRef="usd">8000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour contextRef="c-755" decimals="-6" id="f-3159" unitRef="usd">8000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive contextRef="c-755" decimals="-6" id="f-3160" unitRef="usd">8000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter contextRef="c-755" decimals="-6" id="f-3161" unitRef="usd">43000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter>
    <fbc:DefinedBenefitPlanExpectedFutureBenefitPayment contextRef="c-755" decimals="-6" id="f-3162" unitRef="usd">83000000</fbc:DefinedBenefitPlanExpectedFutureBenefitPayment>
    <us-gaap:DefinedContributionPlanCostRecognized contextRef="c-1" decimals="-6" id="f-3163" unitRef="usd">21000000</us-gaap:DefinedContributionPlanCostRecognized>
    <us-gaap:DefinedContributionPlanCostRecognized contextRef="c-9" decimals="-6" id="f-3164" unitRef="usd">7000000</us-gaap:DefinedContributionPlanCostRecognized>
    <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c-840" decimals="-6" id="f-3165" unitRef="usd">7000000</us-gaap:DefinedBenefitPlanBenefitObligation>
    <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c-841" decimals="-6" id="f-3166" unitRef="usd">10000000</us-gaap:DefinedBenefitPlanBenefitObligation>
    <us-gaap:DefinedBenefitPlanInterestCost contextRef="c-842" decimals="-6" id="f-3167" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanInterestCost>
    <us-gaap:DefinedBenefitPlanInterestCost contextRef="c-843" decimals="-6" id="f-3168" unitRef="usd">0</us-gaap:DefinedBenefitPlanInterestCost>
    <us-gaap:DefinedBenefitPlanActuarialGainLoss contextRef="c-842" decimals="-6" id="f-3169" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanActuarialGainLoss>
    <us-gaap:DefinedBenefitPlanActuarialGainLoss contextRef="c-843" decimals="-6" id="f-3170" unitRef="usd">-2000000</us-gaap:DefinedBenefitPlanActuarialGainLoss>
    <us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid contextRef="c-842" decimals="-6" id="f-3171" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid>
    <us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid contextRef="c-843" decimals="-6" id="f-3172" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanBenefitObligationBenefitsPaid>
    <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c-844" decimals="-6" id="f-3173" unitRef="usd">8000000</us-gaap:DefinedBenefitPlanBenefitObligation>
    <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c-840" decimals="-6" id="f-3174" unitRef="usd">7000000</us-gaap:DefinedBenefitPlanBenefitObligation>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-840" decimals="-6" id="f-3175" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-841" decimals="-6" id="f-3176" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanContributionsByEmployer contextRef="c-842" decimals="-6" id="f-3177" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanContributionsByEmployer>
    <us-gaap:DefinedBenefitPlanContributionsByEmployer contextRef="c-843" decimals="-6" id="f-3178" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanContributionsByEmployer>
    <us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid contextRef="c-842" decimals="-6" id="f-3179" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid>
    <us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid contextRef="c-843" decimals="-6" id="f-3180" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanPlanAssetsBenefitsPaid>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-844" decimals="-6" id="f-3181" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFairValueOfPlanAssets contextRef="c-840" decimals="-6" id="f-3182" unitRef="usd">0</us-gaap:DefinedBenefitPlanFairValueOfPlanAssets>
    <us-gaap:DefinedBenefitPlanFundedStatusOfPlan contextRef="c-844" decimals="-6" id="f-3183" unitRef="usd">-8000000</us-gaap:DefinedBenefitPlanFundedStatusOfPlan>
    <us-gaap:DefinedBenefitPlanFundedStatusOfPlan contextRef="c-840" decimals="-6" id="f-3184" unitRef="usd">-7000000</us-gaap:DefinedBenefitPlanFundedStatusOfPlan>
    <us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax contextRef="c-842" id="f-3185" unitRef="usd" xsi:nil="true"/>
    <us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax contextRef="c-843" decimals="-6" id="f-3186" unitRef="usd">0</us-gaap:OtherComprehensiveIncomeLossAmortizationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetPriorServiceCostCreditBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax contextRef="c-842" id="f-3187" unitRef="usd" xsi:nil="true"/>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax contextRef="c-843" decimals="-6" id="f-3188" unitRef="usd">0</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansForNetGainLossBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax contextRef="c-842" decimals="-6" id="f-3189" unitRef="usd">1000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax contextRef="c-843" decimals="-6" id="f-3190" unitRef="usd">-2000000</us-gaap:OtherComprehensiveIncomeLossPensionAndOtherPostretirementBenefitPlansNetUnamortizedGainLossArisingDuringPeriodBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax contextRef="c-842" decimals="-6" id="f-3191" unitRef="usd">1000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax>
    <us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax contextRef="c-843" decimals="-6" id="f-3192" unitRef="usd">-2000000</us-gaap:OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIPensionAndOtherPostretirementBenefitPlansBeforeTax>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax contextRef="c-844" id="f-3193" unitRef="usd" xsi:nil="true"/>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax contextRef="c-840" decimals="-6" id="f-3194" unitRef="usd">0</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetPriorServiceCostCreditBeforeTax>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax contextRef="c-844" decimals="-6" id="f-3195" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax contextRef="c-840" decimals="-6" id="f-3196" unitRef="usd">2000000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax contextRef="c-844" decimals="-6" id="f-3197" unitRef="usd">-1000000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax>
    <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax contextRef="c-840" decimals="-6" id="f-3198" unitRef="usd">-2000000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
      contextRef="c-845"
      decimals="3"
      id="f-3199"
      unitRef="number">0.046</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate
      contextRef="c-846"
      decimals="3"
      id="f-3200"
      unitRef="number">4.8</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingBenefitObligationDiscountRate>
    <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c-847" decimals="-6" id="f-3201" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
    <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c-848" decimals="-6" id="f-3202" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
    <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c-849" decimals="-6" id="f-3203" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
      contextRef="c-842"
      decimals="3"
      id="f-3204"
      unitRef="number">0.048</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
      contextRef="c-843"
      decimals="3"
      id="f-3205"
      unitRef="number">0.023</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate>
    <us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate
      contextRef="c-850"
      decimals="3"
      id="f-3206"
      unitRef="number">0.020</us-gaap:DefinedBenefitPlanAssumptionsUsedCalculatingNetPeriodicBenefitCostDiscountRate>
    <fbc:DefinedBenefitPlanCurrentMedicalTrendRate
      contextRef="c-844"
      decimals="3"
      id="f-3207"
      unitRef="number">6.5</fbc:DefinedBenefitPlanCurrentMedicalTrendRate>
    <fbc:DefinedBenefitPlanCurrentMedicalTrendRate
      contextRef="c-840"
      decimals="3"
      id="f-3208"
      unitRef="number">6.5</fbc:DefinedBenefitPlanCurrentMedicalTrendRate>
    <fbc:DefinedBenefitPlanCurrentMedicalTrendRate
      contextRef="c-841"
      decimals="3"
      id="f-3209"
      unitRef="number">6.5</fbc:DefinedBenefitPlanCurrentMedicalTrendRate>
    <us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1
      contextRef="c-844"
      decimals="3"
      id="f-3210"
      unitRef="number">5.0</us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1>
    <us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1
      contextRef="c-840"
      decimals="3"
      id="f-3211"
      unitRef="number">5.0</us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1>
    <us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1
      contextRef="c-841"
      decimals="3"
      id="f-3212"
      unitRef="number">5.0</us-gaap:DefinedBenefitPlanUltimateHealthCareCostTrendRate1>
    <us-gaap:DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate contextRef="c-842" id="f-3213">2029</us-gaap:DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate>
    <us-gaap:DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate contextRef="c-843" id="f-3214">2028</us-gaap:DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate>
    <us-gaap:DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate contextRef="c-850" id="f-3215">2027</us-gaap:DefinedBenefitPlanYearHealthCareCostTrendRateReachesUltimateTrendRate>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths contextRef="c-844" decimals="-6" id="f-3216" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths contextRef="c-844" decimals="-6" id="f-3217" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsNextTwelveMonths>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo contextRef="c-844" decimals="-6" id="f-3218" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearTwo>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree contextRef="c-844" decimals="-6" id="f-3219" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearThree>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour contextRef="c-844" decimals="-6" id="f-3220" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFour>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive contextRef="c-844" decimals="-6" id="f-3221" unitRef="usd">1000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsYearFive>
    <us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter contextRef="c-844" decimals="-6" id="f-3222" unitRef="usd">2000000</us-gaap:DefinedBenefitPlanExpectedFutureBenefitPaymentsFiveFiscalYearsThereafter>
    <fbc:DefinedBenefitPlanExpectedFutureBenefitPayment contextRef="c-844" decimals="-6" id="f-3223" unitRef="usd">7000000</fbc:DefinedBenefitPlanExpectedFutureBenefitPayment>
    <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="c-1" id="f-3224">Parent Company-Only Financial Information&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables present the condensed financial statements for New York Community Bancorp, Inc. (Parent Company only):&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Condensed Statements of Condition &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.015%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.988%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.018%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;ASSETS:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Investments in subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;LIABILITIES AND STOCKHOLDERS&#x2019; EQUITY:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Junior subordinated debentures&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Subordinated notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,031&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Stockholders&#x2019; equity&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities and stockholders&#x2019; equity&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"&gt;Condensed Statements of Income &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.733%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dividends received from subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income before income tax benefit and equity in undistributed&lt;br/&gt;   (loss) earnings of subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax benefit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income before equity in undistributed (loss) earnings of subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity in undistributed (loss) earnings of subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(578)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;251&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net (loss) income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"&gt;Condensed Statements of Cash Flows &lt;/span&gt;&lt;/div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.733%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CASH FLOWS FROM OPERATING ACTIVITIES:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net (loss) income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity in undistributed (loss) earnings of subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(196)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(251)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net cash provided by operating activities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CASH FLOWS FROM INVESTING ACTIVITIES:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash acquired in business acquisition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in receivable from subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net cash (used in) provided by investing activities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CASH FLOWS FROM FINANCING ACTIVITIES:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Treasury stock repurchased&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash dividends paid on common and preferred stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(519)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net cash used in financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(531)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(374)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(365)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net increase (decrease) in cash and cash equivalents&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
    <srt:ScheduleOfCondensedBalanceSheetTableTextBlock contextRef="c-1" id="f-3225">&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;The following tables present the condensed financial statements for New York Community Bancorp, Inc. (Parent Company only):&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt; &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:120%"&gt;Condensed Statements of Condition &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.391%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:69.479%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.015%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.988%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:13.018%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;ASSETS:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Investments in subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,633&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;80&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;85&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total assets&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;LIABILITIES AND STOCKHOLDERS&#x2019; EQUITY:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:3pt double #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Junior subordinated debentures&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;579&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;575&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Subordinated notes&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;438&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;432&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,031&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1,015&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Stockholders&#x2019; equity&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,367&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;8,824&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Total liabilities and stockholders&#x2019; equity&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,398&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;9,839&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</srt:ScheduleOfCondensedBalanceSheetTableTextBlock>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-498" decimals="-6" id="f-3226" unitRef="usd">158000000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c-499" decimals="-6" id="f-3227" unitRef="usd">121000000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
    <us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures contextRef="c-498" decimals="-6" id="f-3228" unitRef="usd">9160000000</us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures>
    <us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures contextRef="c-499" decimals="-6" id="f-3229" unitRef="usd">9633000000</us-gaap:InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures>
    <us-gaap:OtherAssets contextRef="c-498" decimals="-6" id="f-3230" unitRef="usd">80000000</us-gaap:OtherAssets>
    <us-gaap:OtherAssets contextRef="c-499" decimals="-6" id="f-3231" unitRef="usd">85000000</us-gaap:OtherAssets>
    <us-gaap:Assets contextRef="c-498" decimals="-6" id="f-3232" unitRef="usd">9398000000</us-gaap:Assets>
    <us-gaap:Assets contextRef="c-499" decimals="-6" id="f-3233" unitRef="usd">9839000000</us-gaap:Assets>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-498" decimals="-6" id="f-3234" unitRef="usd">579000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust contextRef="c-499" decimals="-6" id="f-3235" unitRef="usd">575000000</us-gaap:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust>
    <us-gaap:SubordinatedDebt contextRef="c-498" decimals="-6" id="f-3236" unitRef="usd">438000000</us-gaap:SubordinatedDebt>
    <us-gaap:SubordinatedDebt contextRef="c-499" decimals="-6" id="f-3237" unitRef="usd">432000000</us-gaap:SubordinatedDebt>
    <us-gaap:OtherLiabilities contextRef="c-498" decimals="-6" id="f-3238" unitRef="usd">14000000</us-gaap:OtherLiabilities>
    <us-gaap:OtherLiabilities contextRef="c-499" decimals="-6" id="f-3239" unitRef="usd">8000000</us-gaap:OtherLiabilities>
    <us-gaap:Liabilities contextRef="c-498" decimals="-6" id="f-3240" unitRef="usd">1031000000</us-gaap:Liabilities>
    <us-gaap:Liabilities contextRef="c-499" decimals="-6" id="f-3241" unitRef="usd">1015000000</us-gaap:Liabilities>
    <us-gaap:StockholdersEquity contextRef="c-498" decimals="-6" id="f-3242" unitRef="usd">8367000000</us-gaap:StockholdersEquity>
    <us-gaap:StockholdersEquity contextRef="c-499" decimals="-6" id="f-3243" unitRef="usd">8824000000</us-gaap:StockholdersEquity>
    <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c-498" decimals="-6" id="f-3244" unitRef="usd">9398000000</us-gaap:LiabilitiesAndStockholdersEquity>
    <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c-499" decimals="-6" id="f-3245" unitRef="usd">9839000000</us-gaap:LiabilitiesAndStockholdersEquity>
    <srt:ScheduleOfCondensedIncomeStatementTableTextBlock contextRef="c-1" id="f-3246">&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"&gt;Condensed Statements of Income &lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.733%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Dividends received from subsidiaries&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;580&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;335&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;380&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;160&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Gross income&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;582&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;495&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;381&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Operating expenses&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;108&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;55&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;50&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income before income tax benefit and equity in undistributed&lt;br/&gt;   (loss) earnings of subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;474&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;440&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;331&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income tax benefit&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;25&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;14&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Income before equity in undistributed (loss) earnings of subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;499&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;454&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;345&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity in undistributed (loss) earnings of subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(578)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;196&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;251&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net (loss) income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</srt:ScheduleOfCondensedIncomeStatementTableTextBlock>
    <us-gaap:DividendIncomeOperating contextRef="c-851" decimals="-6" id="f-3247" unitRef="usd">580000000</us-gaap:DividendIncomeOperating>
    <us-gaap:DividendIncomeOperating contextRef="c-852" decimals="-6" id="f-3248" unitRef="usd">335000000</us-gaap:DividendIncomeOperating>
    <us-gaap:DividendIncomeOperating contextRef="c-853" decimals="-6" id="f-3249" unitRef="usd">380000000</us-gaap:DividendIncomeOperating>
    <us-gaap:OtherIncome contextRef="c-851" decimals="-6" id="f-3250" unitRef="usd">2000000</us-gaap:OtherIncome>
    <us-gaap:OtherIncome contextRef="c-852" decimals="-6" id="f-3251" unitRef="usd">160000000</us-gaap:OtherIncome>
    <us-gaap:OtherIncome contextRef="c-853" decimals="-6" id="f-3252" unitRef="usd">1000000</us-gaap:OtherIncome>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-851" decimals="-6" id="f-3253" unitRef="usd">582000000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-852" decimals="-6" id="f-3254" unitRef="usd">495000000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:InterestAndDividendIncomeOperating contextRef="c-853" decimals="-6" id="f-3255" unitRef="usd">381000000</us-gaap:InterestAndDividendIncomeOperating>
    <us-gaap:OperatingCostsAndExpenses contextRef="c-851" decimals="-6" id="f-3256" unitRef="usd">108000000</us-gaap:OperatingCostsAndExpenses>
    <us-gaap:OperatingCostsAndExpenses contextRef="c-852" decimals="-6" id="f-3257" unitRef="usd">55000000</us-gaap:OperatingCostsAndExpenses>
    <us-gaap:OperatingCostsAndExpenses contextRef="c-853" decimals="-6" id="f-3258" unitRef="usd">50000000</us-gaap:OperatingCostsAndExpenses>
    <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="c-851" decimals="-6" id="f-3259" unitRef="usd">474000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
    <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="c-852" decimals="-6" id="f-3260" unitRef="usd">440000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
    <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest contextRef="c-853" decimals="-6" id="f-3261" unitRef="usd">331000000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-851" decimals="-6" id="f-3262" unitRef="usd">-25000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-852" decimals="-6" id="f-3263" unitRef="usd">-14000000</us-gaap:IncomeTaxExpenseBenefit>
    <us-gaap:IncomeTaxExpenseBenefit contextRef="c-853" decimals="-6" id="f-3264" unitRef="usd">-14000000</us-gaap:IncomeTaxExpenseBenefit>
    <fbc:NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries contextRef="c-851" decimals="-6" id="f-3265" unitRef="usd">499000000</fbc:NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries>
    <fbc:NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries contextRef="c-852" decimals="-6" id="f-3266" unitRef="usd">454000000</fbc:NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries>
    <fbc:NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries contextRef="c-853" decimals="-6" id="f-3267" unitRef="usd">345000000</fbc:NetIncomeLossBeforeUndistributedIncomeLossOfSubsidiaries>
    <us-gaap:IncomeLossFromSubsidiariesNetOfTax contextRef="c-851" decimals="-6" id="f-3268" unitRef="usd">-578000000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
    <us-gaap:IncomeLossFromSubsidiariesNetOfTax contextRef="c-852" decimals="-6" id="f-3269" unitRef="usd">196000000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
    <us-gaap:IncomeLossFromSubsidiariesNetOfTax contextRef="c-853" decimals="-6" id="f-3270" unitRef="usd">251000000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
    <us-gaap:NetIncomeLoss contextRef="c-851" decimals="-6" id="f-3271" unitRef="usd">-79000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-852" decimals="-6" id="f-3272" unitRef="usd">650000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-853" decimals="-6" id="f-3273" unitRef="usd">596000000</us-gaap:NetIncomeLoss>
    <srt:ScheduleOfCondensedCashFlowStatementTableTextBlock contextRef="c-1" id="f-3274">&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:700;line-height:100%"&gt;Condensed Statements of Cash Flows &lt;/span&gt;&lt;/div&gt;&lt;table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"&gt;&lt;tr&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:64.733%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:10.011%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.455%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:0.772%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;td style="width:1.0%"&gt;&lt;/td&gt;&lt;td style="width:9.457%"&gt;&lt;/td&gt;&lt;td style="width:0.1%"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Years Ended December 31,&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%"&gt;(in millions)&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2023&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2022&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;2021&lt;/span&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CASH FLOWS FROM OPERATING ACTIVITIES:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net (loss) income&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(79)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;650&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;596&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in other assets&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;30&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(22)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in other liabilities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;6&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(4)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;1&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Other, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;65&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(130)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;32&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Equity in undistributed (loss) earnings of subsidiaries&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;578&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(196)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(251)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net cash provided by operating activities&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;600&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;317&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;356&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CASH FLOWS FROM INVESTING ACTIVITIES:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash acquired in business acquisition&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;34&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;&#x2014;&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Change in receivable from subsidiaries, net&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;5&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net cash (used in) provided by investing activities&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(32)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;39&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(3)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;CASH FLOWS FROM FINANCING ACTIVITIES:&lt;/span&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:0 1pt"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Treasury stock repurchased&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(24)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(16)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash dividends paid on common and preferred stock&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(519)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(350)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(349)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net cash used in financing activities&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(531)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(374)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(365)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Net increase (decrease) in cash and cash equivalents&lt;/span&gt;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;37&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(18)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;(12)&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents at beginning of year&lt;/span&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#ffffff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td colspan="2" style="background-color:#ffffff;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;151&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#ffffff;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:2px 1pt;text-align:left;vertical-align:top"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;Cash and cash equivalents at end of year&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;158&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;121&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;td colspan="3" style="background-color:#cceeff;padding:0 1pt"&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;$&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:8pt;font-weight:400;line-height:100%"&gt;139&#160;&lt;/span&gt;&lt;/td&gt;&lt;td style="background-color:#cceeff;border-bottom:3pt double #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;</srt:ScheduleOfCondensedCashFlowStatementTableTextBlock>
    <us-gaap:NetIncomeLoss contextRef="c-851" decimals="-6" id="f-3275" unitRef="usd">-79000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-852" decimals="-6" id="f-3276" unitRef="usd">650000000</us-gaap:NetIncomeLoss>
    <us-gaap:NetIncomeLoss contextRef="c-853" decimals="-6" id="f-3277" unitRef="usd">596000000</us-gaap:NetIncomeLoss>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-851" decimals="-6" id="f-3278" unitRef="usd">-30000000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-852" decimals="-6" id="f-3279" unitRef="usd">3000000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c-853" decimals="-6" id="f-3280" unitRef="usd">22000000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-851" decimals="-6" id="f-3281" unitRef="usd">6000000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-852" decimals="-6" id="f-3282" unitRef="usd">-4000000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:IncreaseDecreaseInOtherOperatingLiabilities contextRef="c-853" decimals="-6" id="f-3283" unitRef="usd">1000000</us-gaap:IncreaseDecreaseInOtherOperatingLiabilities>
    <us-gaap:IncreaseDecreaseInOtherOperatingCapitalNet contextRef="c-851" decimals="-6" id="f-3284" unitRef="usd">-65000000</us-gaap:IncreaseDecreaseInOtherOperatingCapitalNet>
    <us-gaap:IncreaseDecreaseInOtherOperatingCapitalNet contextRef="c-852" decimals="-6" id="f-3285" unitRef="usd">130000000</us-gaap:IncreaseDecreaseInOtherOperatingCapitalNet>
    <us-gaap:IncreaseDecreaseInOtherOperatingCapitalNet contextRef="c-853" decimals="-6" id="f-3286" unitRef="usd">-32000000</us-gaap:IncreaseDecreaseInOtherOperatingCapitalNet>
    <us-gaap:IncomeLossFromSubsidiariesNetOfTax contextRef="c-851" decimals="-6" id="f-3287" unitRef="usd">-578000000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
    <us-gaap:IncomeLossFromSubsidiariesNetOfTax contextRef="c-852" decimals="-6" id="f-3288" unitRef="usd">196000000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
    <us-gaap:IncomeLossFromSubsidiariesNetOfTax contextRef="c-853" decimals="-6" id="f-3289" unitRef="usd">251000000</us-gaap:IncomeLossFromSubsidiariesNetOfTax>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-851" decimals="-6" id="f-3290" unitRef="usd">600000000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-852" decimals="-6" id="f-3291" unitRef="usd">317000000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c-853" decimals="-6" id="f-3292" unitRef="usd">356000000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
    <us-gaap:CashAcquiredFromAcquisition contextRef="c-851" decimals="-6" id="f-3293" unitRef="usd">0</us-gaap:CashAcquiredFromAcquisition>
    <us-gaap:CashAcquiredFromAcquisition contextRef="c-852" decimals="-6" id="f-3294" unitRef="usd">34000000</us-gaap:CashAcquiredFromAcquisition>
    <us-gaap:CashAcquiredFromAcquisition contextRef="c-853" decimals="-6" id="f-3295" unitRef="usd">0</us-gaap:CashAcquiredFromAcquisition>
    <fbc:NetChangeInReceivableFromSubsidiaries contextRef="c-851" decimals="-6" id="f-3296" unitRef="usd">32000000</fbc:NetChangeInReceivableFromSubsidiaries>
    <fbc:NetChangeInReceivableFromSubsidiaries contextRef="c-852" decimals="-6" id="f-3297" unitRef="usd">-5000000</fbc:NetChangeInReceivableFromSubsidiaries>
    <fbc:NetChangeInReceivableFromSubsidiaries contextRef="c-853" decimals="-6" id="f-3298" unitRef="usd">3000000</fbc:NetChangeInReceivableFromSubsidiaries>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-851" decimals="-6" id="f-3299" unitRef="usd">-32000000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-852" decimals="-6" id="f-3300" unitRef="usd">39000000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="c-853" decimals="-6" id="f-3301" unitRef="usd">-3000000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-851" decimals="-6" id="f-3302" unitRef="usd">12000000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-852" decimals="-6" id="f-3303" unitRef="usd">24000000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="c-853" decimals="-6" id="f-3304" unitRef="usd">16000000</us-gaap:PaymentsForRepurchaseOfCommonStock>
    <us-gaap:PaymentsOfOrdinaryDividends contextRef="c-851" decimals="-6" id="f-3305" unitRef="usd">519000000</us-gaap:PaymentsOfOrdinaryDividends>
    <us-gaap:PaymentsOfOrdinaryDividends contextRef="c-852" decimals="-6" id="f-3306" unitRef="usd">350000000</us-gaap:PaymentsOfOrdinaryDividends>
    <us-gaap:PaymentsOfOrdinaryDividends contextRef="c-853" decimals="-6" id="f-3307" unitRef="usd">349000000</us-gaap:PaymentsOfOrdinaryDividends>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-851" decimals="-6" id="f-3308" unitRef="usd">-531000000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-852" decimals="-6" id="f-3309" unitRef="usd">-374000000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c-853" decimals="-6" id="f-3310" unitRef="usd">-365000000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-851" decimals="-6" id="f-3311" unitRef="usd">37000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-852" decimals="-6" id="f-3312" unitRef="usd">-18000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect contextRef="c-853" decimals="-6" id="f-3313" unitRef="usd">-12000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-499" decimals="-6" id="f-3314" unitRef="usd">121000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-854" decimals="-6" id="f-3315" unitRef="usd">139000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-855" decimals="-6" id="f-3316" unitRef="usd">151000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-498" decimals="-6" id="f-3317" unitRef="usd">158000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-499" decimals="-6" id="f-3318" unitRef="usd">121000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents contextRef="c-854" decimals="-6" id="f-3319" unitRef="usd">139000000</us-gaap:CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents>
    <us-gaap:SubsequentEventsTextBlock contextRef="c-1" id="f-3320">Subsequent Events&lt;div&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Loan Sales&lt;/span&gt;&lt;/div&gt;&lt;div&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On February 29, 2024, the Company sold the commercial co-operative loan classified as held for sale at a gain. Additionally, on March 13, 2024 the Company completed a sale of consumer loans with a net book value of  $899&#160;million. These two sales will be recorded in the quarter ended March 31, 2024 and will result in a net gain.&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:24.5pt"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-style:italic;font-weight:400;line-height:120%"&gt;Equity Capital Raise&lt;/span&gt;&lt;/div&gt;&lt;div style="text-align:justify"&gt;&lt;span&gt;&lt;br/&gt;&lt;/span&gt;&lt;/div&gt;&lt;div style="text-indent:36pt"&gt;&lt;span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%"&gt;On March 7, 2024, we entered into separate investment agreements with affiliates of funds managed by Liberty and certain other investors. The Investors invested an aggregate of approximately $1.05&#160;billion in the Company in exchange for the sale and issuance by the Company of (a) 76,630,965 shares of our common stock, at a purchase price per share of $2.00, (b) 192,062 shares of a new series of our preferred stock, par value  $0.01 per share, designated as Series B Preferred Stock, at a price per share of $2,000, each share of which is convertible into 1,000 shares of common stock (or, in certain limited circumstances, one share of Series C Preferred Stock), (c) 256,307 shares of a new series of our preferred stock, par value $0.01 per share, designated as Series C Preferred Stock, at a price per share of $2,000, each share of which is convertible into 1,000 shares of common stock, and (d) warrants affording the holder thereof the right, until the seven-year anniversary of the issuance of such warrant, to purchase for $2,500 per share, shares of Series D NVCE Stock, each share of Series D NVCE Stock  is convertible into 1,000 shares of common stock (or, in certain limited circumstances, one share of Series C Preferred Stock), and all of which shares of Series D NVCE Stock, upon issuance, will represent the right (on an as converted basis) to receive 315,000,000 shares of common stock. The transaction closed on March 11, 2024.&lt;/span&gt;&lt;/div&gt;</us-gaap:SubsequentEventsTextBlock>
    <us-gaap:FinancingReceivableSale contextRef="c-856" decimals="-6" id="f-3321" unitRef="usd">899000000</us-gaap:FinancingReceivableSale>
    <us-gaap:FinancingReceivableSale contextRef="c-857" decimals="-6" id="f-3322" unitRef="usd">1050000000.00</us-gaap:FinancingReceivableSale>
    <us-gaap:SaleOfStockNumberOfSharesIssuedInTransaction
      contextRef="c-857"
      decimals="0"
      id="f-3323"
      unitRef="shares">76630965</us-gaap:SaleOfStockNumberOfSharesIssuedInTransaction>
    <us-gaap:SaleOfStockPricePerShare
      contextRef="c-858"
      decimals="2"
      id="f-3324"
      unitRef="usdPerShare">2.00</us-gaap:SaleOfStockPricePerShare>
    <us-gaap:SaleOfStockNumberOfSharesIssuedInTransaction
      contextRef="c-859"
      decimals="0"
      id="f-3325"
      unitRef="shares">192062</us-gaap:SaleOfStockNumberOfSharesIssuedInTransaction>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-860"
      decimals="2"
      id="f-3326"
      unitRef="usdPerShare">0.01</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:SaleOfStockPricePerShare
      contextRef="c-860"
      decimals="2"
      id="f-3327"
      unitRef="usdPerShare">2000</us-gaap:SaleOfStockPricePerShare>
    <us-gaap:SaleOfStockNumberOfSharesIssuedInTransaction
      contextRef="c-861"
      decimals="0"
      id="f-3328"
      unitRef="shares">256307</us-gaap:SaleOfStockNumberOfSharesIssuedInTransaction>
    <us-gaap:PreferredStockParOrStatedValuePerShare
      contextRef="c-862"
      decimals="2"
      id="f-3329"
      unitRef="usdPerShare">0.01</us-gaap:PreferredStockParOrStatedValuePerShare>
    <us-gaap:SaleOfStockPricePerShare
      contextRef="c-862"
      decimals="2"
      id="f-3330"
      unitRef="usdPerShare">2000</us-gaap:SaleOfStockPricePerShare>
    <us-gaap:ConvertiblePreferredStockSharesIssuedUponConversion
      contextRef="c-862"
      decimals="INF"
      id="f-3331"
      unitRef="shares">1000</us-gaap:ConvertiblePreferredStockSharesIssuedUponConversion>
    <us-gaap:PreferredStockConvertibleConversionPrice
      contextRef="c-862"
      decimals="2"
      id="f-3332"
      unitRef="usdPerShare">2500</us-gaap:PreferredStockConvertibleConversionPrice>
    <us-gaap:ConvertiblePreferredStockSharesIssuedUponConversion
      contextRef="c-862"
      decimals="INF"
      id="f-3333"
      unitRef="shares">1000</us-gaap:ConvertiblePreferredStockSharesIssuedUponConversion>
    <us-gaap:WarrantsAndRightsOutstanding contextRef="c-863" decimals="-6" id="f-3334" unitRef="usd">315000000</us-gaap:WarrantsAndRightsOutstanding>
    <dei:AuditorLocation contextRef="c-1" id="f-3335">New York, New York</dei:AuditorLocation>
    <dei:AuditorName contextRef="c-1" id="f-3336">KPMG LLP</dei:AuditorName>
    <dei:AuditorLocation contextRef="c-1" id="f-3337">New York, New York</dei:AuditorLocation>
    <ecd:Rule10b51ArrAdoptedFlag contextRef="c-137" id="f-3338">false</ecd:Rule10b51ArrAdoptedFlag>
    <ecd:NonRule10b51ArrAdoptedFlag contextRef="c-137" id="f-3339">false</ecd:NonRule10b51ArrAdoptedFlag>
    <ecd:Rule10b51ArrTrmntdFlag contextRef="c-137" id="f-3340">false</ecd:Rule10b51ArrTrmntdFlag>
    <ecd:NonRule10b51ArrTrmntdFlag contextRef="c-137" id="f-3341">false</ecd:NonRule10b51ArrTrmntdFlag>
    <link:footnoteLink
      xlink:role="http://www.xbrl.org/2003/role/link"
      xlink:type="extended">
        <link:loc
          xlink:href="#f-531"
          xlink:label="f-531"
          xlink:type="locator"/>
        <link:loc
          xlink:href="#f-538"
          xlink:label="f-538"
          xlink:type="locator"/>
        <link:loc
          xlink:href="#f-539"
          xlink:label="f-539"
          xlink:type="locator"/>
        <link:loc
          xlink:href="#f-537"
          xlink:label="f-537"
          xlink:type="locator"/>
        <link:loc
          xlink:href="#f-536"
          xlink:label="f-536"
          xlink:type="locator"/>
        <link:loc
          xlink:href="#f-535"
          xlink:label="f-535"
          xlink:type="locator"/>
        <link:loc
          xlink:href="#f-533"
          xlink:label="f-533"
          xlink:type="locator"/>
        <link:loc
          xlink:href="#f-532"
          xlink:label="f-532"
          xlink:type="locator"/>
        <link:loc
          xlink:href="#f-534"
          xlink:label="f-534"
          xlink:type="locator"/>
        <link:footnote id="fn-1" xlink:label="fn-1" xlink:role="http://www.xbrl.org/2003/role/footnote" xlink:type="resource" xml:lang="en-US">For further information on restricted cash, see Note 2 - Summary of Significant Accounting Policies</link:footnote>
        <link:footnoteArc
          xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote"
          xlink:from="f-531"
          xlink:to="fn-1"
          xlink:type="arc"/>
        <link:footnoteArc
          xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote"
          xlink:from="f-538"
          xlink:to="fn-1"
          xlink:type="arc"/>
        <link:footnoteArc
          xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote"
          xlink:from="f-539"
          xlink:to="fn-1"
          xlink:type="arc"/>
        <link:footnoteArc
          xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote"
          xlink:from="f-537"
          xlink:to="fn-1"
          xlink:type="arc"/>
        <link:footnoteArc
          xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote"
          xlink:from="f-536"
          xlink:to="fn-1"
          xlink:type="arc"/>
        <link:footnoteArc
          xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote"
          xlink:from="f-535"
          xlink:to="fn-1"
          xlink:type="arc"/>
        <link:footnoteArc
          xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote"
          xlink:from="f-533"
          xlink:to="fn-1"
          xlink:type="arc"/>
        <link:footnoteArc
          xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote"
          xlink:from="f-532"
          xlink:to="fn-1"
          xlink:type="arc"/>
        <link:footnoteArc
          xlink:arcrole="http://www.xbrl.org/2003/arcrole/fact-footnote"
          xlink:from="f-534"
          xlink:to="fn-1"
          xlink:type="arc"/>
    </link:footnoteLink>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
